davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Resurgent/LVNV Funding is reporting inaccurate information to the credit bureaus. 

I believe this information is erroneous for the following reasons : I have never incurred a debt with this company. 
I have no record of receiving any communication from LV regarding this alleged debt. 
Upon contacting LV to dispute this, I was unable to obtain any validation of the debt. 

This inaccurate reporting has adversely affected my credit score, which in turn has caused me difficulty in obtaining credit and has led to higher interest rates on existing accounts. This is not only unfair but also contrary to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require accurate and fair reporting of credit information. 

In an effort to resolve this matter, I have taken the following steps : Disputed the incorrect information with the credit bureaus. XX/XX/year> Contacted Resurgent/LVNV Funding directly to request validation of the debt. 

However, despite these efforts, the incorrect information remains on my credit report. I am therefore seeking the CFPB 's assistance to rectify this situation. I request the CFPB to : Investigate the reporting practices of Resurgent/LVNV Funding, LLC. 
Mandate the removal of the inaccurate information from my credit report since the information can not be validated.
Consumer complaint received 2024-05-29
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. (PA)

Hi, XXXX XXXX XXXX is accusing me of a debt owed that i never opened..no knowledge of this credit card company until i received letters of owing and threats from collection agency.. 
the reporting company is reporting false/inaccurate information is LVNV Funding LLC
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have approved for burrowers defense case. I have been approved to have all my loans discharged. XXXX XXXX XXXX sent me a letter XX/XX/2023. Verifying all my student loans have been discharged. In the letter they indicated they need 60-90 days to delete ALL STUDENT LOANS FROM ALL XXXX CREDIT BUREAUS. I HAVE MULTIPLE DIRECT DISPUTES WITH THEM YET THEY ARE REFUSING TO FOLLOW THE LAW. I NEED THE TOTAL OF {$14.00} DELETED FROM ALL XXXX CREDIT REPORTS. XXXX LOANS NEED TO BE DELETED FROM MY CREDIT FILES.
Consumer complaint received 2024-02-07
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. (NV)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (TX)

XXXX I contacted Regions Bank regarding XXXXwo fraudulent ATM charges and two ACH fraudulent charges. Regions immediately canceled my card and advise me to go into their XXXX XXXX TX branch to close my account, open a new account and obtain a new ATM card. On XXXX it took me 1 hour to drive there and advised the bank in XXXX XXXX. *I was told that my account would be closed on XXXX. On XXXX, I called XXXX XXXX XXXX XXXX in the XXXX branch and advised my account was not closed. He advised it would be closed that evening. On XXXX, I spoke with XXXX XXXX inquiring as to why my account was not closed as another charge was on my account. He assured me that the old account would be closed immediately. On XX/XX/year>, a check for {$700.00} was submitted to the OLD account and XXXX XXXX advised he would transfer {$810.00} from my NEW account to cover the check/charges and confirmed he would close the account. *This was never done. On XXXX I called XXXX XXXX as I noticed he did not* transfer the funds as indicated and the check was RETURNED. XXXX XXXX said he doesn't know why the check was returned and he did not follow through on the transfer until the XX/XX/year>. Thus, the check " bounced ''. Regions Bank is charging me excessive fees ( checks, NSF, and other fees ) and failing to perform what was promised. I feel that Regions owe me for the costs of the checks as well as the frustration and illegal withdrawal of funds via ACH that I never authorized. As of XXXX the account is not closed. There are continuous bank fees that are not mine. I can not get anyone else from Regions to call me -- I've even made a complaint at the corporate level with no response as of XX/XX/year>.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (TX)

I sent in information that this is account was opened without my consent ( fraud ). This is a fraud account. I have tried reaching out to the this company multiple times with police report and FTC and they still have been in ignoring this situation.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

In XXXX XXXX, I noticed a collection account of my credit report from Jefferson Capital Systems. 

I never did business with this company and asked for proof they are legal owner of the alleged account. After waiting several weeks for their response, I have not received a reply.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I do not have an account with PORTFOLIO RECOVERY, the original debt was a secure credit card and paid, yet they continue to put the debt of {$480.00} on my credit report. They removed it once and then added it again.
Consumer complaint received 2023-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I received a billing today from XXXX XXXX XXXX XXXX that indicates a bill for {$470.00} is past due. I have never applied for a credit card and the name that XXXX told me was XXXX XXXX that took out the card in my name and with my information. I do not owe this debt and I would also appreciate knowing how I can report credit card fraud on this individual.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (NE)

In XXXX of 2022 I closed my citi card after one month because Citi could not figure out how to add my wife to my card and required my cell phone for 2FA. I logged in to the account and verified the account had a XXXX balance and considered the matter closed. 

Months later Citi started sending me late notices about remaining balances and started charging me fees for things I confirmed were resolved on XX/XX/scrub> 2022 when I closed the account. 

Since then, Citi has sent me to collections for their egregious fees through the years and every time I received a notice, I disputed it accordingly to protect my credit rating. 

Recently I was made aware of a decrease in my credit score from XXXX. I have found that Citi has been able to adversely affect my credit score because I am not willing to pay their fees for charges I am not responsible for. 

I have now found that my insurance rates have gone up because of my poor credit rating because of Citi banks report. 

Yesterday and today I tried to call Citi Bank, XXXX and CFPB to try to resolve this matter over the phone but am told they are closed or get disconnected. Today I tried to create an account at XXXX to resolve the issue their portal did not accept the information I used to sign up for the account. 

In summary, I have not carried a balance on a credit card for the last 30+ years. I have not been late on payments to mortgages during the same time and have paid off all of them but for one HELOC. I value and protect my personal information as much as I protect my credit score. In this instance, it is now literally costing me money to try to protect myself from FRAUD.

Today, I also called my House of Representative to explain the issue to try to raise awareness of the irony.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (AZ)

This is the third time I have received a different collection company appear on my three credit reports stating I owe a debt of {$160.00} ( Always this same amount ) I have contacted the collection company and it get deleted as they can not verify the account but a few months later a NEW or Different collection company appears on my three credit reports stating Account Closed/ Delinquent in the magic amount of {$160.00}. I have contacted the company US BANK CACS CC as it states the account closed on XX/XX/year> which is not true, they say this so they can keep the account active, I have been asking for Verification of the debt : Date, how old is account, amount and for what services or product and I do not receive a response. I am now in the middle of purchasing a home and this {$160.00} delinquent account is really effecting my credit score.
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WA)

I feel that this company is predatory. 36 for overdraft fees. They cover something thats over 7 dollars thats cleared and Im charged 36 but my rent gets returned. They dont care about middle class people the corporate teams are dismissive, rude. I feel that these banks need to be gone. Something predatory about a supposed company that gouges its middle class with no soul and they dont even have a real dept that controls the overdrafts. Its automated every time I tried to talk to someone I get blown off or told we dont know how it works. Really??
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (KY)

Borrowed XXXX dollars on XX/XX/year> since then have paid company {$1100.00} as of XX/XX/year> and they want XXXX more in payments. This seems highly illegal and loanshark interest rates. They we highly dubious in explaining this.
Consumer complaint received 2024-05-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.T.R. Financial Services, Inc. (NY)

It's a fraudulent debt collector claiming I owe the XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$690.00} XXXX XXXX = {$4800.00} because the exact same notice came in XXXX envelopes with consecutive reference # XXXX These notices dated XX/XX/year> are from XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I phoned and emailed the notices to the XXXXXXXX XXXX and asked if I owe them. The XXXX XXXX replied that my balance is XXXX because XXXX and XXXX paid all my expenses. 

I got the exact same debt collection notice dated XX/XX/year> in XXXX envelopes with XXXX consecutive reference # XXXX from RTR Financial Services Inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX - and toll free XXXX. This notice said my payment deadline was XX/XX/year>. 
This company phoned me in XX/XX/year> to get my Date of Birth. When I refused to give it to them the caller said : " OK then we will remove you from our list. '' So I am surprised to get the same notices from this " other '' debt collector XXXX XXXX. 

The XXXX consecutive Ref # XXXX on the notices from both the companies are from XXXX to XXXX.
Consumer complaint received 2024-07-02
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: CAINE & WEINER COMPANY, INC. (SC)

XXXX hasnt sent proof of investigation! Also the companies disputed ( XXXX XXXX XXXX XXXX, Canes and Weiner, XXXX XXXX and XXXX ) have committed Identity Theft and these companies do not have a valid contract with XXXX XXXX. XXXX has taken 60 days for this false information to come back verified they have cause emotional damage and reputation harm to me and I will have to seek legal action if this is not taken care of within 15days of this notice! XXXX are not investigating these companies correctly they have been removed from XXXX and XXXX do not being verified! How can trans union verify them and what sour e did they use to verify them! I have the most difficult time with XXXX and disputing and it been 180 days they take the most time to dispute and never investigate to come back verified!
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

On XX/XX/XXXX at XXXX I spoke to an employee at MOHELA for 23 minutes who advised me my loan would be in forebearance for 12 months. I then started getting past due bills from MOHELA. I spoke to a representative today XX/XX/year> for 28 minutes who stated she was in training and could not see a forebearance in the system. She then gave me the run around and stated I needed to pay. She then said she would transfer me to a supervisor and hung up the phone. And supposedly ALL calls are recorded so I hope they listen
Consumer complaint received 2023-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

RoundPoint 's failure to address ethnic names in its computer systems and its corporate policies fail to address Diversity, Equity, and Inclusion resulting in clearly discriminatory practices to its borrowers and I expect to be treated with respect and professionalism without having my name botched and distorted, regardless of my ethnic background or cultural identity. 

RoundPoint 's computer systems inability to recognize or properly display certain ethnic names can lead to incorrect data entry and documentation and can cause significant inconvenience and even financial harm to its customers, as it can result in delays or errors in processing important mortgage-related documents. 

I believe that as a company, RoundPoint has a responsibility to ensure that its systems are designed to accommodate the diverse range of names that exist within our society. It is unacceptable that customers have to endure such issues due to the limitations of its computer systems. In addition to it, the customers do not have the ability to call and have this problem resolved but have to spend the time sending a letter to address something that the company should have addressed when they decided to take on the servicing of loans from a wide range of ethnic groups. It is absolutely appalling that its ability to enter customer names still follows the XXXX naming convention.

I believe it is important for CFPB to take immediate action to address this issue and ensure that RoundPoint 's computer systems can properly recognize and handle all ethnic names. It is essential that its systems are designed with inclusivity and sensitivity to the diverse backgrounds of its customers.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S (CA)

XXXX I started with XXXX XXXX XXXX ( XXXX ) to help with credit card debt. XXXX of the requirements was that I had to go past due on my credit card debt. Which I did, but didn't feel comfortable with. XXXX tried to sue me then, but it was not completed because I had legal counsel through XXXX. 

On XXXX I retired and my income was substantially reduced and I couldn't afford my payments to XXXX so I dropped out of the program. 

Then on XX/XX/XXXX out if the blue I received a packet from Suttell & Hammer with judgement papers. I have no recall of receiving any prior communication from them. This debt is old and I should not be sued
Consumer complaint received 2024-06-07
Product: Credit card — Store credit 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. (PA)

On XX/XX/XXXX a fraudulent charge was made on my Home Depot credit card for {$3500.00} I contacted the company to file fraudulent charge on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that I was found to be responsible for the charges. I again disputed the charge On XX/XX/XXXX they asked me to fax drivers license to them which i did and they claim to never receive it although i have proof of transmission. I then mailed this proof along with my wife 's license and signature and again they claim they didn't receive it. On XX/XX/XXXX they claimed again I'm responsible for fraudulent charges. On XX/XX/XXXX I filed a fraudulent charges police report and submitted it to the credit card company. I was in contact with the company several more times to check on status and was always told it was still under review. On XX/XX/XXXX i was again told they didn't receive my drivers license information and I again faxed it to them again on XX/XX/XXXX. I received 3 more letters from company stating I'm responsible for the fraudulent charges and also received 2 letters stating that attorney placement is pending. Every time i called there the story about the charge changed and they always asked me the same questions over and over. According to the credit card company an increase in credit was requested days before the charge was made which again I did not request and they allowed .I asked them to check video surveillance which was denied. I have been cooperating fully to try and resolve this but they are still finding me responsible for this fraudulent charge.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-07
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

On XXXX XXXX this company notified me that I owed this debt to them. I responded to their letter on XX/XX/XXXX to ask them to verify the debt and that I owed them, they are not the original creditor and I never received a letter from them, informing me that they were going to place this account in collection status. 
They responded to my letter on XX/XX/XXXX via email with the same collection letter and an itemized list of things. I responded on XX/XX/XXXX informing them that an itemized list of charges is not validating the debt. 

This company continues to attempt to collect debt from me, although they are not legally licensed in the state of Florida and therefore should not be attempting to can not collect any debt from me in the first place. They have damaged my credit and this has caused me to be homeless because I can not lease a place to live because of this collection.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

I went on vacation tried to call my bank to let them know I was going on vacation adn they will soon see fund in a differetn area being used. The bank said I had to go into my local branch in person to fix any issues and never would tell me anything but this. 

I came home and I am having the same issue. I havebeen at work constantly and dont have time to go in person. I have called and they will not tell me anything only that I have to go in in person. 

I have had numerous issues with this bank and once this is fixed I will be fully leaving this bank.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.