davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC (MA)

For the past XXXX months, I have been receiving and taking calls from Source Receivable Management. I notify the representative each time that this is a false delinquency and ask to resolve the issue. They ask for my home address to send me a form to fill out and a letter to remove the false account from XXXX. However, I have never received any form or instructions to initiate the process. I made several attempts to contact XXXX customer service to resolve the issue, but they always referred me to the collection agency. 

The amount is {$200.00} from the original creditor, XXXX XXXX XXXX XXXX and is now with the collection agency, Source Receivable Management. 

All of my attempts have been disregarded by XXXX, and I have stopped taking calls from the collection agency because they won't provide written communication to resolve the issue.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (PA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I am formally disputing the inclusion of the credit card delinquencies from Bank of America and XXXX XXXX on my credit score, citing violations of the CARES Act provisions. These delinquencies arose during the COVID-19 pandemic, a time of significant hardship for many, including myself. Despite communicating my late payments to the creditors and explaining that they were due to circumstances beyond my control, such as a natural disaster, these delinquencies were still reported on my credit report. I believe that under the CARES Act provisions, which aim to protect consumers facing financial difficulties during the pandemic, these delinquencies should be removed from my credit report. It is essential that my credit report accurately reflects the challenges I faced during this unprecedented time and does not unfairly penalize me for circumstances that were beyond my control.
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC (IN)

My bank Flagstar/XXXX is wanting me to pay {$2600.00} since XX/XX/2023. 
Last year We did a Loss Mitigation or a Forbearance in 2023 due to my wife loosing her job due to covid-19. They took my payments put them at the end of my loan with the State of Indian ( XXXX ) stepped in to pay maybe XXXX months they said they could not pay the rest of it then the bank put the remaining amount at the end of our loan. Now out of no where they want {$2600.00} with my regular house payment of {$820.00}. I am asking for myself to the bank with no lawyers involved.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MI)

-CITI checking account opened on XXXX XXXX XXXX XXXX Paycheck Direct Deposited on XXXX XX/XX/year> -Due to being in the middle of transferring banks and having auto bill pay setup at old bank, setup a wire transfer on XXXX XX/XX/year> to send the money from my new account at Citi to my XXXX account. 
-Notified on XXXX XX/XX/year> that the wire transfer did not complete -Called customer service over XXXX times with over XXXX hours on hold on XXXX XX/XX/year>. Was informed my account was closed, not given a reason, and that my funds would be mailed to me within 60 days. I asked why my account was closed with no answer. I asked if I could visit a branch ( closest is XXXX hours away ) to receive my funds in person and was not given an answer.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (RI)

XX/XX/year> I submitted XXXX or so disputes through CashApp for fraudulent transactions charged by XXXX. I included extensive documentation of my attempts to contact the merchant directly as well as my correspondence with the Wyoming State Attorney General ( where the business is registered ). These transactions were illegal as the company should not have been taking payments from customers within the state of Rhode Island. I had another similar company refund me for all purchases so I know the claim to be legitimate. The Attorny General also agreed and suggested disputing these purchases. CashApp has said the disputes are denied and their canned response says I can ask for documentation at any point. When I ask for documentation I am told the case is closed and no further information can be provided.
Consumer complaint received 2024-06-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc. (TX)

Hello, I hope this message finds you well. I am writing to address an issue regarding a debt from XXXX that I recently received a notification about. This debt has already been paid with collection agency. However, it seems to be negatively impacting my credit rating, which is of great concern to me. I have been working for years on credit rating and I am on process of purchasing a house next year but it has affect me a lot. 

I have diligently maintained a good credit rating over the years, with no previous debts or late payments. The situation with XXXX appears to be a result of a mistake on their part, which has unfortunately affected my credit score. 

Allow me to explain the circumstances surrounding this issue. This was my last month 's bill with XXXX, and for me it was impossible to be paid because their system blocked my access to it. XXXX, failed to include my last monthly bill when I requested to transfer my number to another carrier. Additionally, they deleted my account, never sent an email or sms to notify me that I haven't paid last month 's bill. 

After a couple of months, the outstanding amount was sent to a collection agency, and I promptly responded by paying it off. I was able to resolve the matter with XXXX, as they understood the circumstances. However, I am encountering difficulties with XXXX and XXXX in removing this erroneous entry from my credit report. 

I kindly request your assistance in rectifying this situation by deleting the account from my credit report. It is evident that this issue stems from a mistake, and I was never properly notified about the outstanding amount. 

If there are any further details or documentation needed from my end to facilitate the resolution of this matter, please do not hesitate to let me know. Your understanding and cooperation in this regard are greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (AZ)

Company never provided contract according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) or provide who they spoke to in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

I disputed these 2 accounts with LVNV funding. they were unable to validate the debt therefor they deleted the accounts. However it was only deleted from my XXXX report an is still reporting to my XXXX consumer report.
Consumer complaint received 2024-06-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Solar Mosaic LLC (SC)

This company opened up a loan fraudulently in my name without verifying proper documentation. We have all proper documentation to support this matter. The company opened almost XXXX in loans back in XX/XX/year> and we received the first paper bill XXXX months later.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax I am writing to update/correct my personal information on file with your company. 
Please update my address to : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Please update my name to : [ XXXX XXXX XXXX XXXX My only social security number is : [ XXXX ] My only and correct date of birth is : [ XXXX ] I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Request for Removal of Unauthorized Inquiries Under Section 1681b of the FCRA Dear : My name is [ your full name ]. I am filing a complaint regarding unauthorized credit inquiries appearing on my credit report in violation of Section 1681b of the Fair Credit Reporting Act ( FCRA ). 

The inquiries that I do not recognize or authorize are : XXXX XXXX transunion XX/XX/XXXX XXXXXXXX XXXX transunion XX/XX/XXXXXXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting removal of these inquiries and an investigation into their legitimacy. 

Thank you for your prompt attention
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I am writing to file a formal complaint against LVNV, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
LVNV, with contact information at C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX, Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations. 

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that LVNV has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against LVNV to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold LVNV accountable for their unlawful conduct. 
Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.
Consumer complaint received 2024-06-03
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: Resurgent Capital Services L.P. (FL)

1. Incorrect credit reporting regarding LVNV Funding LLC ( original creditor : XXXX XXXX 2. Incorrect credit reporting : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) Note : Both were disputed but the credit bureaus failed to put that it was disputed under FCRA laws. They reported disputed by individual therefore this was incorrectly disputed and after contacting them they would not provide any further explanation nor information.
Consumer complaint received 2024-06-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (CA)

This debt does not belong to me infact, the name and socal security numbers are mine in any shape of form. Someone is using my credit profile. I have asked for verifiable information and informed them that I am a victim of identity theft
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following accounts were charged-off by the creditors & filed on my personal taxes ( 1099 C ) as income. Income is not credit. Therefore, the information is inaccurate/no longer valid and needs to be removed. According to the IRS, any charge-off reported by a creditor and filed as a loss, becomes income that the consumer must file as income ( 1099 C ). Income is not credit. Therefore, it is no longer accurate information. Any inaccurate information must be removed according to the FCRA.
Consumer complaint received 2024-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

While I was traveling in XXXX, I received three  fraudulent charge from XXXX. Two on XX/XX/XXXX charged to my XXXX XXXX ( {$260.00} and {$220.00} ), and one charged around on XX/XX/XXXX to my Capital One XXXX ( {$230.00} ). XXXX reached out to me immediately noting the charges as fraud. It took me a day or two to realize there was also a charge on my Capital One debit XXXX. I reached out to both XXXX and Capital One, explained the situation, logged fraud investigations, and both accounts were closed and new credit cards issued. I also filed complaints with XXXX. Through much back and forth with XXXX, the charges of {$260.00} and {$220.00} on my XXXX XXXX were credited. The amount charged to my Capital One debit card was not. Last week I received an email from Capital One that XXXX provided all the necessary paperwork to prove the charges were valid. I called Capital One and explained that the charges were not valid. I was told that I had to provide more information from XXXX - like copies of my conversations with XXXX. I explained to Capital One that XXXX doesn't provide access to " closed communications '' and my previous XXXX to XXXX support cases were closed. XXXX does not provide a phone number, only a chat/email option in their app. I opened a new case with XXXX. XXXX saying the can not resolve the issue without my first XXXX digits, last XXXX, and the expiration date of the card used. I called Capital One and asked for this information. I was told this is not information Capital One will provide. I asked what I should do since XXXX is saying that can't resolve this issue without that information and Capital One is saying they won't provide it. I was told that I need to get " more info from XXXX. '' I asked what additional info I can provide and again I was asked to provide my previous chats with XXXX- which is something XXXX won't provide. I explained the predicament - both Capital One and XXXX are asking me to get information that neither organization will provide. I have opened another case with XXXX. XXXX is giving me automated messages and still asking for the first XXXX, last XXXX, and expiry of my debit card. I can't get any help from XXXX. I have sent this same information to Capital One via email and they have not responded. I am at an impasse with being able to resolve this.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NY)

On XX/XX/2024, I purchased a dress from the website XXXX using my Cash App debit card ( CashApp ) for {$53.00}. After several weeks of waiting and numerous attempts to contact the vendor, I realized I had been scammed. 

I promptly initiated a chargeback request through Cash Apps support feature within the app. After a week without a response, I contacted Cash App support directly to file a dispute, which was officially opened on XX/XX/2024. 

As more weeks passed without an update, I reached out again on XX/XX/2024, to inquire about the status of my claim. Cash App support informed me that I would need to wait up to 45 days for a resolution. I requested a provisional credit during this period, as outlined on Cash Apps official website, but no such credit was provided. 

Nearly 10 days later, I received an email stating my dispute was denied on the grounds that no error had occurred, despite the clear evidence I provided showing I had been scammed. Since then, I have repeatedly contacted Cash App via email and phone, requesting documentation on their decision process and urging them to reopen the case, as it was evident that my claim was not thoroughly investigated. 

Cash Apps refusal to fully investigate and resolve my claim has left me without the product and out {$53.00}. As a result, I am deeply dissatisfied and feel unprotected as a customer of Cash App. I urge the CFPB to intervene in this matter to ensure proper resolution and prevent similar issues for other customers.
Consumer complaint received 2024-06-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Charge was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Kohls is stating that it will investigate but I still am responsible for that balance
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (DE)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (FL)

On XX/XX/year> a Credit Card was opened in my name that I didn't apply for or have possession of. I have since then disputed the account and put a credit freeze on my XXXX. On XX/XX/XXXX I got a letter from a XXXX XXXX XXXX XXXX 's for a late Rental Charge. The name on the letter is XXXX XXXX who I have found online is using my name and birthday because she has my name listed as a Aka. The creditor is Fortiva I have not been able to contact because they are only by mail.