davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Opened a checking/savings account with my daughter and power of attorney for capital one banking. Capital one flagged my account for fraud my daughter and I went in person to the bank to verify it was me and valid. NOTHING has happened since its been months capital one is not closing my account or lifting the restriction gaining money and interest in my money deposited while refusing to release my funds and close my accounts! I want to close my accounts and my money back.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I am writing to formally report an issue with National Credit Systems ( NCS ) regarding inaccurate reporting of debts on my credit report. Despite multiple attempts to resolve these discrepancies directly with NCS and through the major credit bureaus, I have been unsuccessful in obtaining verification or resolution.

I discovered several debts listed on my credit report from NCS that do not belong to me and were inaccurately attributed to my credit history. These debts were reported by NCS without any validation or proof that I am responsible for them. I promptly submitted disputes through XXXX XXXX and directly to the three major credit bureaus ( XXXX, XXXX, and XXXX ), requesting verification of these debts and removal if unable to provide sufficient proof. 

The original creditor and account numbers are unknown, but the open balances are {$17000.00} ( opened XX/XX/XXXX ) and {$11000.00} ( opened XX/XX/XXXX ). 

In my communications with NCS, I have explicitly stated that I do not recognize these debts and have requested validation documents, including proof of my signature agreeing to these debts. Despite my requests, NCS has failed to provide any documentation verifying these debts as mine or proving that I am legally obligated to pay them. Furthermore, NCS has repeatedly refused to remove these inaccurate entries from my credit report, which has severely impacted my creditworthiness and financial standing.

These unresolved discrepancies have caused significant distress and uncertainty regarding my credit profile. I have diligently followed all proper procedures, including providing documentation and communicating directly with NCS, to no avail. Enclosed with this complaint are copies of all relevant documentation, including my credit report highlighting the disputed items and records of communication with NCS and the credit bureaus.

I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that National Credit Systems complies with federal regulations concerning fair and accurate credit reporting. Please contact me at [ your phone number ] or [ your email address ] if additional information is required.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: WSFS FINANCIAL CORPORATION (PA)

On XX/XX/2024 I made a payment of scheduled monthly payment of {$530.00} ( Confirmation Number : XXXX ) to WSFS Bank. I was in the process of selling my home and requested a loan payoff amount through the title company. The final payoff amount was XXXX and was wired on XX/XX/2024 at XXXX central time to Wilmington Savings Fund Society, FS. 

As of XX/XX/XXXX I haven't received documentation stating the loan has been paid in full or refund for over payment. I was informed both were mailed to old address but I never received via mail forwarding despite all other mail from entities have been forwarded properly. 

I went to bank branch to update mail address and requested case to be open to investigate if account has been actually closed and how to request refund.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: McCarthy, Burgess & Wolff, Inc. (PA)

XXXX, XXXX and McCarthy, Burgess, and Wolff keeps reporting an account that does not belong to me. I have disputed and informed XXXX that this is not my account and they fail to remove it and keeps reporting this as an accurate account.
Consumer complaint received 2024-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MO)

This company LVNV Funding LLC is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to prove ownership and validate the debt. I have yet to receive any information pertaining to my request.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (NY)

After reviewing my EWS report I notice a XXXX account I am not familiar with. I notice a XXXX account that I do not have access to. Please find attached the letter of me sending to EWS requesting validation in which I did not receive it.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

This account was opened XX/XX/2022 and closed due to inactivity but was reported as late for 120 days. Ive tried to solve it with the company but I got no help and hung up on. The credit amount was {$1000.00}. Id need this resolved soon please. It would be best to just resolve the entire account
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (NY)

After reviewing my EWS report I notice a chase account I am not familiar with. I notice a XXXX XXXX XXXX XXXX account that I do not have access to. Please find attached the letter of me sending to EWS requesting validation in which I did not receive it.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

I am not liable for this debt of {$290.00} with LVNV FUNDING LLC, LVNV FUNDING LCC Account Number : XXXX I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2024-07-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (NV)

Per XXXX Department of Education Subject : Student Loan Discharge Based on Borrower Defense Evidence You have been approved for debt relief under the XXXX XXXX XXXX This is part of the XXXX XXXX commitment to delivering relief to borrowers whose schools engaged in unlawful conduct. 

The XXXX Department of Education ( XXXX ) has determined that the federal student loan ( XXXX ) you received to attend The XXXX XXXX on or after XXXX XXXX, XXXX, and on or before XXXX XXXX, XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( XXXX ) will be forgiven. You do not have to make any more payments on the loan ( XXXX ). 

Your loan ( XXXX ) will be discharged based on an XXXX finding that The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at XXXX  XXXX XXXX  from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by The XXXX XXXX, XXXX has determined that it is appropriate to discharge the loans made to all students who attended The XXXX XXXX during the time period described above.
Consumer complaint received 2024-07-08
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: Mid-Atlantic Finance Co., Inc. (SC)

I checked my credit and saw that i had new hard inquiries on my credit report. Dates are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not do this and want them removed. I did an dispute but was not removed. I told the companies that it wasnt me and they said there wasnt anything they could do.
Consumer complaint received 2024-07-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AR)

I am writing to inform the CFPB that RESURGENT RECEIVABLES, a debt collector/debt buyer has been furnishing inaccurate information on my credit reports. I have disputed the errors in my reports, and they keep verifying it. I provided evidence that they have been misreporting a tradeline that is incomplete. It does not meet account level documentation yet the fail to update the alleged debt account with accurate information. This company has not even verified the debt they reported to my consumer reports. This company has violated my rights under the Fair Credit Reporting Act for verifying incomplete and inaccurate information and they have triggered FDCPA violations for deceptive debt collection practices. I have disputed this company multiple times to no avail.
Consumer complaint received 2024-07-13
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. (FL)

My XXXX XXXX XXXX XXXX was used by thieves.i did not authorize the charges, and was unaware until i received my statement.when i received my statement it was for $ XXXX called the man and told them and they said i would have to pay the {$100.00} i was not disputing.i paid the {$100.00} asper the XXXX XXXX rep.he told me i was not responsible for the {$490.00} and they would issue me a new card.one week later i received a collection call from Resurgent Receivables. i told the rep the story and i was told that i had to pay or it would sting my credit.I said no way was i paying for something that was not mine.They told me i could pay half and settle but that too was bad for my credit, i said no.This has been going on for almost 2 years to no avail.Please help me..i have excellent credit and always pay my bills.Thank you in advance.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (WA)

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974. See attachment for further details on the creditor and account details.
Consumer complaint received 2024-05-25
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

Placed for collections on : XX/XX/2023 Original Creditor : XXXX XXXX XXXX COLUMBIA DEBT RECOVERY LLC DBA GENESIS I have knowledge of this collection nor is this collection mine ; I was looking over my rental history.so that I may be able to purchase a home, and this came about. Which is ow putting me in jeopardy in my process.
Consumer complaint received 2024-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Someone gained unauthorized access to my PayPal account. They added their own email address, phone number, and bank account to my PayPal and then initiated a transfer from my bank to theirs for the amount of {$830.00} on XXXX XX/XX/year>. I saw this transaction on my bank account on XXXX XX/XX/year>. I notified my bank and PayPal that this transaction was fraudulent. My bank determined the transaction was fraud and refunded me the money. PayPal is insisting that it was a legitimate transaction, adjusted my PayPal balance to - {$830.00} and is trying to make me pay the {$830.00}. I disputed this with PayPal. They have repeatedly denied my claim and have now sent my account to a collections agent. PayPal has provided conflicting information about the status of my account and the status of my cases. They have not responded to my request for additional information about their investigation and how they supposedly determined that the transaction was legitimate. Their latest claim is that the changes made to my account ( the addition of the new email, phone number and bank account ) were unauthorized, but the transfer of {$830.00} to the individual who made the unauthorized changes is legitimate.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX My Citibank double cash card credit limit was decreased from {$4000.00} to {$300.00}. I called customer service and they directed me to a finance specialist that gave me the reason that they did a random review of my account and found that there was derogatory information on my credit report. I explained to them that I was disputing some items with another financial institution and also I was never late in paying citibank. They did another review of my report and told me that they will inform me of the results of their review to reinstate my credit limit. It took them a week to respond after I called on XXXX/XXXX/19 to follow up. The agent stated the haven't done the review and will forward my information to a credit analyst and they will review my information and will send me an email of their findings within 72 hours. I received a response on XXXX/XXXX/19 that they decided not to reinstate my credit line to {$4000.00} based on their original reasons. My complaint is that this may be a violation Fair Credit Reporting Act because my credit utilization went up and affected negatively on my credit score.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid 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: U.S. BANCORP (MO)

I sent two notices to US Bank dispute department on XX/XX/2023 saying : Attn : Dispute department US Bank I have not seen on my US BANK XXXX credit card account the credit for {$100.00} proof enclosed on You just went ahead after faxing this proof before to charge me for this amount. I am filing a complaint with the federal government against your bank for denying my legal credit and other forms of complaints. They keep ignoring my refund sent to them by XXXX for an item I never received. The bank keeps ignoring me! I want my money due me. XXXX XXXX # XXXX. 
I hope you do more than just file the complaint in your database making your federal division totally worthless to all concerned, and letting banks rip customers off?
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC (CA)

I applied for a Revvii Card. I never recieved the card and called to see why? they informed me the card was sent and had been used. the investigation was started and completed and found that i was not Liable with acct # XXXX ending. the letter dated XXXX/XXXX/XXXX a month after, however they wanted to still charged me for a late fee, annual fee of XXXX broke in half {$41.00} a piece that was never used yet after a month of investigation. i had no problem paying the {$41.00} the problem was they also wanted me to pay the late fee of {$70.00}. i explained i never used the new card you sent me with a available balance of {$180.00}. so until i paid these fees the card could not be access because doing the investigation the fees ( 30 days ) and interest was accured. I explained this card should start from the begining by me never using the card, investigation and the new card was never activated. i already paid {$95.00} to start the card. this is terriable and this is not right and i am wanting to do a formal complaint with these credit card practices. can you please assist Best, XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FCI Lender Services Inc. (CA)

I am a veteran and wanted a VA loan they pulled my credit it was not shown to me I was told I didn't qualify but I did not receive the letter of denial they told us only loan we could get was a commercial loan and we were force to put down 30 % down which was {$110000.00} I am XXXX  veteran I am XXXX XXXX XXXX and lost my job and the commercial loan wont allow me to rent a room cause according to the contract any rent automatically belongs to them even though I live I a retirement, XXXX plus community, they took advantage of me as XXXX  and and veteran that served my country and all I doing is asking for your help I have nowhere to turn to don't know who to trust I am trying to save my home and the court date is on the XXXX of XXXX and the auction to sell our is on the XXXX of XX/XX/year> which at this time will leave me and wife completely homeless. 
please help us
Consumer complaint received 2024-05-25
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-05-25
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. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Check for {$89.00} was deposited on XX/XX/XXXX, check for {$290.00} was deposited XX/XX/XXXX. Check issuer submitted check fraud/scam complaint on XX/XX/XXXX, Bank of America did not reach out through email or physical mail or Bank of America app inbox, to collect evidence about complaint. Bank of America withdrew funds from my account on XX/XX/XXXX which was the only reason I knew there was a complaint. When calling Bank of America they provided me with cost information saying I could still submit evidence, this was false. Check issuer is a XXXX XXXX customer which is why they took their side. Check was deposited and cleared for several weeks. This should not have happened without gathering evidence from both sides