davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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. (MD)

On or around XX/XX/year>, I noticed a discrepancy in how my XXXX XXXX XXXX account was being reported to the credit reporting agencies. The inaccurate reporting has negatively impacted my credit score. I reached out to XXXX through the CFPB, and Case # XXXX was opened. XXXX responded to that inquiry, but the issue remains unresolved as the incorrect information continues to appear on my credit reports. 

I filed a second inquiry through the CFPB ( Case # XXXX ) to address the ongoing errors, but XXXX has again failed to correct the reporting issue. Despite their assertion that they regularly provide information to the credit reporting agencies, the information being reported does not accurately reflect the status of my account. Additionally, XXXX has declined my request for compensation for the financial harm caused by this incorrect reporting, which has affected my creditworthiness. 

I am seeking a resolution to this matter, which includes correcting the inaccurate credit reporting and compensating me for the financial harm incurred as a result of these discrepancies.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I PURCHASED A JACKET FOR {$100.00} FROM MACY 'S ( ORDER # XXXX ) ON XX/XX/year> AND RETURNED IT IN STORE ON XX/XX/year> BECAUSE IT WAS TOO SMALL AND I RE-ORDERED IT IN A BIGGER SIZE ONLINE. I AM INITIATING THIS COMPLAINT BECAUSE AS OF TODAY XX/XX/year>, I HAVE NOT RECEIVED MY REFUND OF {$100.00}. I CALLED MACY 'S ON XX/XX/year> AND WAS TOLD BY A REPRESENTATIVE THAT MY REFUND WAS PUT ON A GIFT CARD IN WHICH IT SHOULD NOT HAVE BEEN BECAUSE I MADE THE PURCHASE WITH MY DEBIT CARD ; THEREFORE, THE REFUND SHOULD HAVE BEEN RETURNED TO THE ORIGINAL FORM OF PAYMENT. THE REPRESENTATIVE FURTHER STATED THAT SHE WOULD TRANSFER THE REFUND FROM THE GIFT CARD TO MY DEBIT CARD. I WAITED A FEW DAYS AND WHEN THE REFUND HAD NOT BEEN CREDITED BACK TO MY DEBIT CARD BY XX/XX/year>, I CALLED MACY 'S AGAIN AND WAS TOLD BY A SUPERVISOR NAMED " XXXX '' THAT THE REFUND SHOULD POST TO MY ACCOUNT BY FRIDAY XX/XX/year> AND THAT HE WOULD CALL ME TO VERIFY THAT IT WAS. ON XX/XX/year>, I WAITED UNTIL XXXXXXXX XXXX FOR XXXX 'S CALL AND WHEN HE DIDN'T CALL ME, I CALLED MACY 'S AGAIN AND SPOKE WITH ANOTHER SUPERVISOR NAMED " XXXX '' WHO DID NOTHING TO HELP ME. HE TOLD ME TO WAIT UNTIL THE END OF THE DAY FOR THE REFUND TO BE POSTED TO MY DEBIT CARD, BUT HE COULD NOT STATE WHAT HE CONSIDERED TO BE THE END OF THE DAY. HE OFFERED NO RESOLUTIONS OTHER THAN FOR ME TO WAIT AND IF I DIDN'T GET THE REFUND, CALL MACY 'S BACK THE FOLLOWING DAY. I AM APALLED AT THE FACT THAT I RETURNED AN ITEM TO THEM 2 WEEKS AGO AND I STILL DON'T HAVE MY REFUND WHICH SHOULD HAVE BEEN POSTED TO MY ACCOUNT WITHIN 2-3 DAYS AS IT USUALLY IS.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital Services L.P., LVNV Funding, LLC, and XXXX XXXX XXXX XXXXXXXX. are violating a standing cease and desist order. All three companies continue to contact me and communicate with me via phone and email.
Consumer complaint received 2024-06-11
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and h
ave a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eagle Financial Services, Inc. (IN)

I got a loan with Eagle finance in XXXX which was paid in full never late. At some point someone other than me renewed the loan. The address, signature, employer were not mine, and I do not recognize them. They attempted to get a default judgement in a different jurisdiction with out me being aware. When I found out I got the default judgement set aside. They refilled where I actually live with a bogus contract. The signature does not even resemble mine. Im unsure if it is contract fraud or identity theft. I provided a notarized FTC identity theft affidavit and a police report. I offered to pay stating the debt wasnt mine but Id rather pay them the {$2000.00} and change they claim I owe than pay it to an attorney and potentially have to pay them both. They explained they already had a default judgement and would make more collecting off of that. They served an employer that isnt even mine with wage garnishment paperwork. They should have had my real information from when I actually applied for a loan, but they used whatever the identity thief provided instead. The default judgement was set aside and they moved to the county I actually reside in and they started the process of trying to get a default judgement. Incorrectly, citing trial rules that do not apply. We will go to court XX/XX/XXXX to try and resolve this. At this point they are trying to collect on a debt not owed, that they have been notified was fraud. They are negatively reporting. What they are doing is abusive, and from XXXX reports looks like a common practice. It is their responsibility to validate the debt, and report accurately. So far they have provided chicken scratches on one of their contract forms that dont even come close to resembling my authentic signature.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

Additional notice to Navy Federal Credit Union, I do not have a debit card for my account ending in XXXX, you have deprived me of my right to use my credit card, credit is my right granted. Please see attachments. Thank you for your attention to this serious matter. XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-29
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Central Portfolio Control Inc. (FL)

as of XX/XX/year> spoke to XXXX XXXX XXXXXXXX XXXX XXXXXXXX CENTRAL PORTFOLIO CONT XXXX XXXX XXXX  XXXX I have requested a purchase agreement and asked him what was this collection for he said a from a Hospital Bill ( XXXX XXXX ) the amount in question is {$1100.00}. then i asked him will he send me the purchase agreement and in his words " i can see what i can do ''.
Consumer complaint received 2024-09-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: KEYCORP (OH)

On XX/XX/XXXX, I spoke in person with Assistant Manager XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Keybank National Association Branch. I requested XXXX XXXX to liquidate my corporate Certificate of Deposit held in the name of XXXX XXXX XXXX, which is incorporated within the State of XXXX. I am the 100 % owner and I, in person, purchased the CD on XX/XX/XXXX account number XXXX. See the attached copy of the CD and receipt for the purchase of {$50000.00}. Assistant ManageXXXX XXXX XXXX did not explain to me why the hold was on my CD which is stopping me from cashing it out and who placed the hold on my CD. I am being denied my {$50000.00} without just cause. I would like a written explanation of why I am being denied my {$50000.00} and who is responsible for placing the hold on my account.
Consumer complaint received 2024-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has repeatedly denied taking my payment. Were are in litigation and have been for over a year. Payments are still due yet they refuse to take my payment when I call. They revoked my online access to make payments. My hands are tied here and requesting help. This is insanity.
Consumer complaint received 2024-09-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (NJ)

Someone had used my identity to open an account with XXXX and never paid. The account eventually went to collections and this is how I came to find out about the identity theft. I explained this to the debt collecting agency but they were still requesting payment from me. I reached out to the credit bureaus, disputed the mess and it was cleared from my account. Now, on XX/XX/year>, the same XXXX account with a debt of {$3100.00} was back on my credit. After speaking with an agent from XXXX, I am following the steps to rectify the matter. I have disputed the debt on my credit. I will be reaching out to SOURCE RECEIVABLES MNG. to explain to them that I am not connected to this debt as well. I was advised to file a police report to handle the matter. Once again, this is not my debt. I have never had an account with XXXX. I am a victim from identity theft and would like to have this removed from my credit and name.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

XXXX ref : XXXX Company : Fair Collections and out Negative comment on my credit and I have no knowleged nor do I know or owe this comapany. But they call me almost every day and I would very much like this to stop and for them to stop ruining my credit. This is totally wrong. I will appreciate your help. Thanks
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

My son opened several lines of credit including a XXXX XXXX Credit Card using my social, name and DOB in XXXX. ( I believe ) and had the card mailed to a property my husband owned. He passed away in XXXX of XXXX and I was not aware of these collection items on my credit bureau until my daughter made me aware this year. My husband and I are XXXX XXXX and we do not use technology normally. We went to our credit union and the assistant branch manager is helping me file disputes on these debts and is helping me file this report. 

The complaint is regarding XXXXXXXX XXXX XXXX & LVNV Funding. We filed the dispute with the credit bureau, provided the police report, FTC identity theft report, called and filed a dispute with the company and faxed them all of this information. I also sent back a letter for them with a notarized statement that said I was disputing this debt. They are continuing to send documentation on multiple occasions asking for the same information over and over. This has not been resolved. I would like for the company to discontinue contacting me regarding this debt and will send a cease and desist letter if necessary.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (IL)

XXXX XXXX XXXX XXXX ceases any further unauthorized access to my credit report. 2 credence resource management compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (OH)

XXXX dismissed without prejudice, for lack of prosecution and cost to plaintiff but still they sold to another company. This company also send me letter stating they have requested consumer reporting agencies to report to the account as disputed.
Consumer complaint received 2024-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (ME)

This is a complaint against MOHELA. I applied for permanent and XXXX  XXXX discharge due to my VA rating. I received an email I was approved on XX/XX/XXXX. The email from XXXX stated to allow my loan servicer 150 days to process. I contacted my loan servicer several times via phone and the online chat function over the next 150 days to get a status on my forgiveness. I made contact via chat on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At no point was my inquiry answered. When I called they would refuse to answer what my status was and would only transfer me to XXXX. When I talked to XXXX I was informed my status was still approved and to allow MOHELA the 150 days to process the forgiveness. The 150 days based on my calculation would have been XX/XX/XXXX. 

While processing MOHELA did place my loans in forbearance. Today I looked and my loan is out of forbearance it states I missed a payment and I am passed due. My loans are on auto pay and the portal reflected a planned payment to be withdrawn XX/XX/XXXX. 

There are two complaints. First I am still unable to verify my XXXX discharge status with MOHELA and second not drafting a planned auto pay casing me to appear to have a late payment. I have had issues with MOHELA not providing billing statements in the past. This is just another story showing MOHELA is incapable of the administration requirements associated with student loans.
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC (FL)

The change date for the interest is XX/XX/XXXX every year the Shell point has sent a letter stating the change is XX/XX/year>. Shellpoint has changed the date to beat the federal reserves rate cuts. 

Shellpoint has failed to provide a new amortization schedule. The payment was reduced when the interest rate increased makes no sense. The mortgage loan number is XXXX.
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

I started receiving relentless calls to collect debt owed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not have a choice to drive myself to the appointment. They did not tell me it was going to cost {$950.00}. I could have cancelled the appointment. But no instead blindside me. So on XX/XX/XXXX of XXXX, I agreed to and paid {$400.00} to settle the debt. I needed documentation of this for my employer, so I reached out multiple times to try to request a letter with proof of settlement. After hours on hold, I finally got someone to send me a letter stating the account balance is {$0.00}. This was able to satisfy my employer requirement. Now, 6 months later they are again calling me relentlessly to demand I pay this debt again. And they must have reported it as a collection on my credit report because my score went down over XXXX points. This is with Phoenix Financial Services. They are fraudsters. They XXXX up my credit for a debt I already paid. They are XXXX.
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Finance Company, Inc. (ME)

the company is Professional Finance Company Inc, tel. XXXX profess to be a debt collection agency and offer a settlement fee for hospital debt but actually have no working relationship with the hospital. They collect the payment and just keep it for themselves with no actual resolution of the debt for the payee. I've talked with both the hospital and PFC Inc and am left holding the {$500.00} debt and the initial {$1400.00} hospital cost. They sent an email receipt to me dated for a XXXX supposed debt not related to the present XXXX hospital bill. They are a scam company and I don't know how the had the correct figures for my initial bill and the remaining balance but something is seriously wrong here. The hospital is XXXX XXXX   XXXX XXXX in XXXX XXXX.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

My account went into overdraft for an XXXX XXXX  charge, a charge that I deposited into my account. As I was in negative because of an overdraft fee Wells Fargo placed on me, a recurring payment of XXXX XXXX  debited my account. My account was then about XXXX dollars negative. XXXX of which came from an initial overdraft fee I was trying to get reversed. While this charge debited my account, the same day the charge was refunded to Wells Fargo bank. I recieved a notice which I am attaching below that had I not brung my account to positive I would be charged another overdraft fee. I called Wells Fargo and explained to them that the charge from XXXX XXXX had already been refunded to them, and asked how could I get an overdraft fee from a charge that they already recieved their money back from. The Representative told me I was correct the money did refund but I would still be charged an overdraft fee of XXXX dollars if I dont pay my initial overdraft fee. I asked her again how can I be charged an overdraft FEE FOR A CHARGE THEY RECIEVED THEIR MONEY BACK FOR. I did not pay the overdraft fee and they charged my account another XXXX dollar fee for a transaction they recieved their money back for. I am attaching images of the charge that debited being refunded back to Wells Fargo. The message they sent me stating I would get an over draft fee, and the trasaction in which I recieved an overdraft fee from. I have already made a complain to the occ about my initial overdraft charge and will be making two more as I have incurred about XXXX now in overdraft fees from 2 transactions that we refunded to Wells Fargo bank
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Ive recently received a copy of my credit report and noticed several inaccuracies in unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (FL)

I have a hard inquiry on my XXXX credit report that i noticed through XXXX XXXX. The hard inquiry is from ComenityCapital/Sephora and i never applied for any credit from them. The date of the inquiry is XXXX XXXX and when i contacted Comenity Capital they did not have any of my information or knowledge of me in their system so they told me to reach out to the Credit Bureau. When I contacted XXXX, I was told to fill out this form and file a dispute. I think someone did it fraudulently and accessed my credit to attempt to open a line of credit through sephora. None of the other Credit Bureau 's show any hard inquiries on my credit report as of XX/XX/year>.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC. (WV)

Hello I have received a response from XXXX dispute team Im responding to this portion of the letter. 

Im extremely confused why XX/XX/XXXX was brought up because the card was reported lost on XX/XX/XXXX NOT XX/XX/XXXX. 

Transactions after XX/XX/XXXX of course they are not disputed because I didnt report the card lost then. 
The merchant that I have had history with during that time are valid ( before XX/XX/XXXX ) so I do not understand why XX/XX/XXXX were brought up. The charges that were occurred after XX/XX/XXXX that were valid are XXXX XXXX and XXXX ( those are subscriptions so they are already existing subscriptions before this date - i dont understand how Sofi do not understand this ). Those are not manual charges, they can see this on their end. 

Clearly Sofi is extremely confused and unorganized. Please do some research and not assume. 

This is my likelihood and my family, I know this case like the back of my hand. I have had to deal with you guys for over 6 months of XXXX. 

Manual payments are made because you guys are charging me insane amount of interest and also anything before XX/XX/XXXX are valid so why would I not pay those? Can you please explain that to me. 

If I didnt report my card lost until XX/XX/XXXX, there are interests accrued before this date of course I need to pay them down. But I will NEVER pay for things that I did not authorize. The interests I accrued before fraudulent charges I still need to pay, so Im baffled to your point in bullet point XXXX. Are you serious? If you guys would halt the interest when there is a fraudulent case going on like honest business then you would understand this. 

The charges in question are during XX/XX/XXXX to XX/XX/XXXX. Again, please do not be confused get the dates correctly. This case is not going away until what is right is done right. 

If you need a refresher, here is the initial dispute case attached as well as well as the letter you sent to me. 

If you are a mother of 3 and struggling with current economy you would understand why Im extremely upset. And nobody is going to help me, and I know Sofi knows that and taken advantage of this case. 

Im not giving up on this.