davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt because I have never done business with your company. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 



Please attach the following documents : Agreement that you have authority to collect this alleged debt Assignment contract that bears signature of the alleged debtor with promises to pay the original creditor Complete payment history on this account, to prove that the amount you wish to collect is correct
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (CA)

My family wants to build a home so we engaged US Bank to get a construction loan. 
we got approved for $ XXXX and later upgraded to $ XXXX as the scope of the house cost increased. it is taking more time than I expected ( my first built home ) because of County regulations and issues with the general contractor and house seller. 
Despite the XXXX approvals, XX/XX/XXXX I got a Statement of Credit Denial stating " unable to verify residence '' as excuse. I wrote the loan officer, he did n't answer so I called him. he said I was taking too long to meet the loan conditions ( producing a General Contractor ). I wrote the bank a letter and they did n't respond either. I believe that they did n't act in good faith, and in fact they denied my loan with no good cause. I have lived in the same residence for 4 years in XXXX XXXX. All my correspondence with the bank has been from this address. the other apparent reason for the denial is adverse credit. this is a bogus statement because my credit is close to XXXX the loan to value is about 60 %. the loan officer said I could qualify for much higher loan based on my ratios.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (PA)

Halsted Financial Services subjected me to Harrasment, false and misleading language/tactics, deceptive practices, and lies in unlawful attempts to collect information from me under the pretense of a business opportunity saying things like this is a business opportunity for XXXX XXXX but we need to verify that we are speaking with the right person so we need to collect information, we looking for a XXXX XXXX but can not disclose information until we verify your identity, we need you to verify who you are before we go further etc Halsted Financial Services employees tried to collect personal data from me including my social security number, mailing address name etc without informing me of the nature of the call or telling me if they are a debt collection agency even when i envoke my rights as a consumer and made them aware of specific UCC, XXXX, TILA, CFR, FCRA, FDCPA, CFPB, sections, guidlines, laws, and Regulation. They denied those laws saying they dont have to follow them, that I, the consumer is misinformed, thats not how this work, That i dont know the law etc. Ultimately their legal department agreed that i was correct after i entered contractual terms after expressing my lack of consent.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (VA)

I contacted this creditor last week and questioned about them being reported on my credit. they stated that they no longer have the account and that the account was sold to XXXX XXXX. I advised them about removing they stated it that XXXX XXXX  the account now and that I would need to call XXXX XXXX. I reached out to XXXX XXXX  and they told me hey had until XX/XX/2024 to respond. 

am writing to dispute the inaccurate reporting of an account on my credit report. Specifically, the original creditor is still reporting the account even though it was sold to a third party. This issue is causing confusion and may negatively impact my credit score.

1. Account Information : Original Creditor Name : COMENITYBANK/VICTORIA Original Account Number : [ XXXX ] Original Creditor Name : COMENITYBANK/VICTORIA Original Account Number : [ XXXX ] Date of Sale : [ unknown ] New Creditor Name : [ XXXX XXXX XXXX ] New Account Number : [ XXXX ] 2. Description of Dispute : My credit report shows the account being reported by both the original creditor and the third-party creditor. Specifically, [ comenity bank/Victoria the original creditor is reporting the account as active and closed, even though it was sold to [ XXXX XXXX XXXX XXXX This is incorrect as the account should no longer be reported by the original creditor.This account needs to be removed immediately. 

3. Supporting Documentation : Below I will provide the two Victoria secret accounts reporting as well as XXXX XXXX  reporting as well. Also the letter I mailed to XXXX XXXX  that I inquired about and they stated that they could not provide me the information when I called I also have video reposes to that as well. There is a recorded conversation as well as to I mailed. letter and did not get a response to. 

Im also requesting : Documentation from the Original Creditor, a letter or statement from the third-party creditor, a final statement from the original creditor, proof of sale, or correspondence Please investigate this matter and update my credit report to reflect the accurate status of the account. Specifically, I request that the original creditor 's reporting be removed Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputes within 30 days. I would appreciate written confirmation once this issue has been addressed and my credit report has been corrected. To keep in mind I have also reported this information to where they were importing inaccurate and all they did was update it instead of removing. the needs to be a thorough investigation. 

I give permission for this account to be investigated.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am writing because Equifax is in violation of their code of ethics regarding credit reporting. I am a victim of Identity Theft. I have tried to send all the information and have also tried to call them. Their computer system hangs up when including multiple disputes. Their answering system says that due to high call they can not answer. They put me on hold which takes more than two hours to get someone to answer via a text message. I am very upset. I can not send my dispute to this company which only cares about reporting people instead of trying to show correct data and not have their information stolen. They have wrong information that must be removed.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TX)

I am filing a formal complaint against LVNV Funding, XXXX and Resurgent Capital Services for reporting invalid and unlawful accounts on my credit report. These accounts are in clear violation of the XXXX XXXX XXXX, as they exceed the Texas XXXX of Limitations for debt collection. Texas law prohibits any collection activity on debts beyond XXXX years from the date of first delinquency. Despite this, LVNV Funding and Resurgent continue to list these accounts as open collections, which is both inaccurate and unlawful. 

Furthermore, it is unclear who actually owns these debtswhether it is LVNV Funding or Resurgent Capital Services. Neither party has provided any proof of legal authority to collect on these debts. I am formally requesting documentation, including all signed contracts, demonstrating their legal interest or assignment of these accounts. 

Additionally, LVNV Funding and Resurgent have a history of falsely claiming ownership or interest in debts, as demonstrated by previous court cases : - XXXX XXXX LVNV Funding, LLC ( XXXX ), where LVNV falsely claimed ownership of a debt they did not possess. 
XXXX XXXX v. LVNV Funding, LLC ( XXXX ), where similar false claims were made. 

Given this history, I am concerned that such practices XXXX be occurring in my case. Therefore, I am requesting the immediate removal of these accounts from my credit report. If this issue is not resolved promptly, I will pursue legal action under both the XXXX XXXX XXXX and the Fair Credit Reporting Act ( FCRA ), which provides additional protection for consumers against inaccurate credit reporting and provides damages of up to {$1000.00} per violation.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Subject : Urgent : Discrepancy in Interest Charges Date : XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to you concerning a recent issue with my Capital One account. I was charged {$16.00} in interest, which was bewildering since I always pay the last statement balance to avoid any interest. I have done this for over XXXX years. After advocating for myself, Capital One refunded me the interest charge of {$16.00} on XX/XX/year>. They reported it will take XXXX business days to show up on my account. 

The reason for this letter is to illustrate XXXX problems. 

I paid off my last statement balance of {$1000.00}, but somehow it changed after the cycle date to {$1100.00}. This is the first problem. The second problem is that the {$16.00} was calculated from a fictitious balance of {$700.00} and not {$90.00} ( the difference between what I paid and the mysterious new payoff of {$1100.00} ). Using their own calculation XXXX XXXX XXXX XXXX XXXX XXXX XXXX per month or XXXX XXXX XXXX XXXX My actual published XXXX from Capital One is XXXX XXXX 

They literally calculated interest off a fictitious balance and changed my last statement balance to charge me {$16.00}. 

This is clearly unethical, if not illegal, under current XXXX regulations. 

Please correct this for the average consumer. There could be millions of consumers being swindled right now.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC (FL)

TO WHOM IT MAY CONCERN IM A VICTIM OF IDENTITY THEFT SOMEONE HAS MADE PURCHASES USING MY PERSONAL INFORMATION AND ITS BEEN A ON GOING BATTLE FOR OVER 10 YEARS
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 15 U.S Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NV)

I HAVE CHASE XXXX XXXX CARD WHICH IVE NEVER BEEN LATE PAYING BUT THE LAST FEW MONTHS, EVEN THOUGH I PAY ON THE DUE DATE, THEY'VE STOPPED CREDITING MY ACCOUNT SO NEXT MONTH 'S STATEMENTS SHOWS A BALANCE. THIS IS WHAT HAPPENED AGAIN TODAY XX/XX/XXXX. I HAD A PAYMENT SCHEDULED TO PAY THE FULL BALANCE ON XX/XX/XXXX {$900.00} THE CHASE PORTAL, WHICH IS WHAT I NORMALLY DO EACH MONTH. NOW, THEIR SYSTEM SHOWS RECEIPT OF THE PAYMENT ON XX/XX/XXXX, BUT THEIR SYSTEM AND MY NEW BILL STILL SHOWS THE TOTAL BALANCE OF {$900.00}. THE REP THAT I SPOKE TO TOLD ME I NEED TO PAY THEM AT LEAST 5 DAYS PRIOR LOL, I MENTIONED THAT NO OTHER CREDIT CARD THAT I PAY WORKS THIS WAY, PAYMENT SHOWS RECEIPT ON THE XXXX SO MY BALANCE SHOULD REFLECT THIS.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NCB Management Services Inc. (ME)

I have filed disputes to XXXX concerning incorrect personal information. I called in to follow up on my disputes requesting incorrect addresses posted under personal information. XXXX stated that they were not able to delete theses incorrect addresses because they were associated with XXXX negative accounts from XXXX XXXX and NCB Management Services. I contacted these to companies to submit disputes on these accounts via certified mail and did not receive responses after 30 days. 

On XX/XX/year> I called XXXX to have them dispute these accounts. They were unable to verify the accounts because they did not have my birth day on file and they were not provided by any of my accounts. I submitted my ID, birthday, XXXX, address, phone number, and employer via certified mail which they received on XX/XX/year>. XXXX has not removed these harmful accounts from my report. XXXX has also denied me access to my credit report through there XXXX XXXX because my birthday is not on file despite having received it. 

I am confused on the direction I should pursue to resolve this issue. Please investigate how XXXX can report negative information on my credit report without the ability to confirm my identity. Thank you for your efforts in resolving this matter.
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stride Funding, Inc. (CA)

My credit report says XXXX XXXX XXXX XXXX XXXX reported a new account with late payments of {$10000.00} that I don't believe I have. They reported that on XX/XX/year>, and didn't say how much total is owed in the account, just that I'm late on {$10000.00}. It honestly all sounds pretty fishy. I will also note that I had my wallet stolen with a copy of my social security number in it and all my credit cards back in XXXX of 2021. I called the police and knew who did it, a XXXX driver, but no one could help me recover it. They used my credit cards and I canceled and disputed those charges. I've already made this consumer statement with XXXX '**CONSUMER STATEMENT** I HAVE NO KNOWLEDGE OF THIS ACCOUNT. '' but they didn't remove it from my credit report. 

They also haven't provided any proof, they're just stating I owe them this money that I don't know about.
Consumer complaint received 2024-07-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: NCB Management Services Inc. (FL)

As per the guidance from the consumer financial protection bureau ( CFPB ), The documents needed are a picture ID, a bill and a letter from the advocacy group helping me do to XXXX  XXXX  debt bondage, which falls under trafficking according to XXXX- debt final rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you blocked this information from my credit report within four business days, pursuant to section 605C of Fair credit reporting act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (AR)

I was seen at the XXXX for a injury ( XX/XX/year> ) I received on the job with the XXXX. XXXX and XXXX paid in full for the bill. I verified this with the hospital and they said I owed no debt, and they never sold any debt of mine. I called UCB asking why I owed XXXX dollars which is now XXXX dollars and all they told me it was from a physician group from XXXX and so I traced back the day the debt was made and found out it was the exact visit to the ER I had that had been paid. I sent them all the documents and asked for them to provide any evidence I owed it and all they provided was their statement of charges.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This account was charged unauthorized without my permission. XXXX XXXX is aware that this account was a result of unauthorized charges. XXXX had admitted that this account is incorrectly reporting on my credit report via email. Email enclosed. Experian failed to investigate the accuracy of this account. The account has listed a total of XXXX charge off under this same account ending in XXXX. The account has late payments on a charge of account. These repeated derogatories have been damaging to me. I settled for a payment to XXXX even though I did not make the Purchases on this account. I was promised by a XXXX rep in XX/XX/XXXX that if I paid the account the account will be removed. This 6 year old account is still on my credit report and its hurting my score. Experian failed to correct and update this account. I have disputed this account 5 times to both the creditor and the bureau. For the sake of years of incorrect reporting with I kindly ask that this 6 year old account be completely removed from my experian report
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (MD)

I received a XXXXXXXX XXXX XXXX  that I did not request. It says that it is from XXXX, XXXX. When I went to XXXX 's website, it indicates that all of its products are issued by a XXXX party. In the tiny print, it says ( XXXX ) I did not apply for the card, ( XXXX ) my information name and address were provided by a XXXX party and I can email XXXX to cancel the card and opt out. However, opting out seems like another opportunity to capture my information for the next XXXX party partner.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Please see attached documents for review. 

On XX/XX/XXXX, I spoke with an Equifax Representative and she informed there is an internal block on my credit profile preventing me from accessing lines of credit and to open a business checking account. 

I was declined due to the block placed and was informed I needed to submit identity verification along with a letter requesting the removal of the internal block. Please update my address on file and remove the block immediately so I can move forward with my business checking application. Thank you!