davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC {$510.00} {$550.00} {$560.00} I sent letters requesting validation of debt. These are not my debs. i sent the letters to XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX XXXX XXXX ) I sent the letters XXXX XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/year>, I received an email from Experian stating my credit score had been reduced by XXXX ( from XXXX to XXXX ) points without explanation. I logged into my Experian account, but there was no explanation for the reduction in my credit score. I called Experian on XX/XX/XXXX to find out why, but the representative was unable to find any reason. They told me they were referring the matter to a supervisor who would email their findings to me. I never received that email. I called back on XX/XX/XXXX, and was told it wasn't Experian who lowered my credit score, but XXXX. The representative told me to refer the matter to XXXX. XXXX referred me to CFPB. I also feel Experian is excessively sending emails to me. I have received XXXX emails from Experian during the month of XXXX alone, inviting me to apply for product ( s ).
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I was utilizing my Bethpage Federal Credit Union account to pay my XXXX XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX. Loan # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 

My mortgage payment was rejected and no explanation provided about this transaction, see pic. Not only did this transaction get rejected, other bill payments I made went to the wrong parties. It seemed that my account was being manipulated to cause me to pay fees by redirection and transaction disruption which was out of my control. I would like the technological explanation of what Bethpage and XXXX XXXX were doing in this transaction by their programming? 

In addition, Bethpage Federal Credit Union did a soft inquiry during my ongoing security freeze on my XXXX Credit Report in 2023? I have not applied for any loan or credit directly with Bethpage and do not want to do business with them ever again after my account bill payment disruptions. By what authority did Bethpage get permission to violate the FCRA to go into my financial affairs without my consent or permission?
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Dispute of Charge-Off on Credit Report Lack of Form 1

099-C To Whom It May Concern : I am writing to dispute the information reported on my credit report related to a charge-off account with [ Creditors Name ]. I have reviewed my credit report and found that the charge-off account, [ Account Number ], is inaccurately reported.

According to the Fair Credit Reporting Act ( FCRA ) and IRS guidelines, a creditor is required to issue a Form 1099-C for any canceled debt of {$600.00} or more. I have not received a Form 1099-C from [ Creditors Name ] for the charge-off account in question. The failure to issue this form suggests that the debt may not have been properly canceled, and therefore, the charge-off may not be valid.

Additionally, the lack of a 1099-C may indicate non-compliance with federal regulations, and it could imply that the debt is still legally collectible, contradicting the charge-off status reported to you. 

I am requesting that the charge-off be thoroughly investigated and removed from my credit report if it can not be substantiated with proper documentation, including the issuance of a Form 1099-C. Please verify this information with the creditor and correct the inaccurate information on my credit report.

In accordance with the FCRA, I request that you : 1. Investigate the disputed information with the creditor.

2. Remove or delete the inaccurate information on my credit report.

3. Provide me with an updated copy of my credit report once the investigation is complete.

Enclosed, please find a copy of my credit report with the disputed account highlighted, as well as a copy of my identification for verification purposes. 

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

Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed account highlighted XXXX. XXXX XXXX XXXX XXXX XXXX-ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX XXXX. XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia XXXX Copy of identification
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (OH)

I contacted cash app app on XX/XX/year> because my account was being hacked at XXXX in the morning. They told me the would freeze my account to investigate. My taxes were deposited in my account in XX/XX/year> XXXX. During there investigation they closed my account and I have asked for ALL DEPOSITS BE RETURNED TO SENDER. Cash app credited my account the money the was stole from my account I just havent received access to the account. They told me make a new account and I can receive funds but I cant make a new account because it tells me my account was closed.
Consumer complaint received 2018-03-28
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: WELLS FARGO & COMPANY (FL)

In Early XXXX my daughter notice charges to her checking account that she had not authorized. I am also on the her account. I am her mother. We went into the bank and they sat down with us and had us highlight all the charges we felt were not ours. This was the checking account and someone had been taking money out of her account out of New York. We have never been to New York. XXXX said we had to give the person permission to use the card, although my daughter had her card, but he was also using a card in New York, which is very baffling. Then the next day we realized they had also done a cash advance of XXXX from her credit card. The bank said they invested and there were charges months back from the same individual and said we never reported it so we had to have given permission for this. We were not aware of any charges previously and told them if there were charges we did not authorize them either. After much back and forth they said we needed to file a police report, which we did. They have footage of the person which we do not know at the atm in New York withdrawing money. They still are saying there is nothing they can do. There were also XXXX from our checking account taken. I am so frustrated with this. I have been with them since about 2012. Our accounts are not overdrawn and things of the nature. This just does not make sense to not be reimbursed for the money that was taken from our account and credit card. A total of about XXXX. Please help.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS (FL)

There is somebody that has my same first name same last name. He has a middle name drivers license the same only off by XXXX number and I was trying to renew my insurance. My insurance company, which is XXXX stated that I have a bunch of violations on my record, which is not me I was able to find the person due to an investigation that was done I have tried to get a hold of the third-party company that does verifications for the insurance company to let them know that thats not me and show them the police report and paperwork that I have to support. It have not been able to get a hold of them or get a response from them.
Consumer complaint received 2024-06-27
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: U.S. BANCORP (MA)

I have received a handful ( 4-5 new ) hard credit inquiries over the past two weeks. All of these are fraudulent. These are the ones that I have been notified on, but there may be some I've missed. I have not performed any hard inquiry in the last year. 

XXXX XXXX XXXX XXXX XXXX ( spoken with company and will be removed next 72 hours ) Inquiry date : XX/XX/year> Reported by XXXX XXXX XXXX XXXX XXXX XXXX  ( spoken with company and will be removed next 72 hours ) Inquiry date : XX/XX/year> Reported by XXXX XXXX XXXX XXXX XXXX Inquiry date : Notified by XXXX XX/XX/year> but could be up to a few days before then Reported by XXXX XXXX XXXX XXXX  XXXX Inquiry date : Notified by XXXX XX/XX/year> but could be up to a few days before then Reported by XXXX
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (PA)

my deceased partner opened a credit card in my name that i had no knowledge of at the time. the account was not opened by me. ive tried working with this creditor multiple times explaining the situation and he is deceased. i would like this removed from my credit report because my personal information was used to open this account fraudulently. my credit has been significantly impacted this and has caused alot of financial strain and account has been charged off and company refuses to remove fraudulent account.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I am the administrator of my late sister 's estate. My sister died in XX/XX/XXXX. Eight months elapsed from the date of her death until my petition for probate was granted by the XXXX XXXX XXXX XXXX XXXX, CA. I did not receive my letters of administration for another month. During that time, 10 monthly mortgage payments were missed, and my sister 's home went into foreclosure. On XXXX XX/XX/XXXX, I received a reinstatement calculation from the mortgage / lien holder, Bank of America, for the amount, {$12000.00}, which was wired to Bank of America the same day. Since that date, Bank of America has failed to apply the funds toward reinstating the mortgage though they acknowledge the money was received.
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: Nelnet, Inc. (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I called XXXX about mid day or early afternoon and was told that they hadn't yet received the loan payoff check from XXXX. I found out that in fact they got that check yesterday Tuesday XX/XX/year> at XXXX XXXX. So it wasn't recorded for at least one full day. When I tried calling back today I couldn't get thru to speak to anyone because after giving them my member ID, my SS #, and my phone password, and my phone number on file that wasn't enough. I'm sorry they weren't able to verify my finger prints. 

Here 's the deal. I can't make phone payments on my credit card anymore and I can't find out why they didn't process my equity loan payment in full to pay off that loan. 

I've wasted hours of my time now trying to pay this company and determine if my home equity loan has been paid off and all I get is being railroaded. I want compensation for all the time I've wasted today in the amount of {$100.00}. That's in addition to the amount I requested for the time I've spent trying to make a credit card payment in a prior recent complaint. 

Also I want your agency to investigate why payments being made to USAA aren't being recorded on the same day they come in. If this is happening with mailed in credit card payments, is this being done to collect late payment fees?. 

Anyone reading this complaint be aware you need to avoid doing business with this company like the plague. You can find a better local bank, a better insurance company thru a reputable agency, and better investment advisors from referrals and people you know and trust.
Consumer complaint received 2024-06-30
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: Experian Information Solutions Inc. (NJ)

I bought the complaint with consumer protection in XX/XX/year>, XX/XX/year>, XX/XX/year> in XX/XX/year> and to no avail I have not had XXXX, experience, XXXX XXXX, those credit reporting agencies took from XX/XX/year> until today, XX/XX/year> and they have not resolved my issues. They should take those negative items off my credit report according to the fair federal fair credit credit app and they have not done so and consumer protection has not Done anything to help out?
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (TX)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1988 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (VA)

This is not my debt, I would like this investigated. They have been calling repeatedly from several different numbers then I've asked them not to contact me at all. It's been going on way longer than XXXX months which is illegal.
Consumer complaint received 2024-06-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (VA)

I financed my XXXX XXXX XXXXXXXX through XXXX XXXX making regular payments from XX/XX/XXXX, until the final payment on XX/XX/XXXX. The total amount paid, including a {$5000.00} down payment, was {$30000.00}. Despite completing all payments, there was a significant delay in processing the release of the electronic lien and title for the vehicle. 

This delay caused substantial financial and personal inconvenience. I lost a potential sale of {$15000.00} due to the inability to transfer the title to the buyer. Additionally, I incurred continued costs for insurance, maintenance, and other expenses related to the vehicle during this period. 

On multiple occasions, I contacted XXXX XXXX to resolve this issue and formally requested compensation for the financial loss, additional costs, and stress incurred. Despite acknowledging the internal error, XXXXXXXX XXXX declined my compensation request for {$22000.00}. 

Under the Virginia Consumer Protection Act, I believe this delay and the resulting financial impact constitute a violation of fair and ethical standards of dealings between suppliers and consumers. I am seeking a resolution that includes compensation for the lost sale value, additional incurred costs, and the stress caused by this situation. 

This description provides a clear, detailed account of your issue without including personal information. You can adjust the wording as needed to fit the forms requirements.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP (NJ)

I paid XXXX then pressler took XXXX so why would u send me A XXXX check your short XXXXXXXX XXXX Its not my fault u took it to court when it was paid already. XXXX not paying for court cost u owe me what you garnished. XXXX doesnt cover what u took. Im done playing games with your XXXX XXXX companies. You owe me for emotionally distress all the work i missed because you 2 companies are unprofessional. Send me my XXXX XXXX XXXX you didnt do your job and check to see if it was paid before court. Give me my XXXX money back.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Creditors Bureau Associates (FL)

XXXX my identity was stolen, taxes was filed fraudulently in my name, from then until now i use a XXXX XXXX to file taxes. plus more charges have been made on my credit report that i know nothing about. all need prove for the credit bureau stating these are false charges all debts and liens.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (CA)

I received an indigo credit card in the mail that I did not apply for. It had a credit limit of {$700.00}. I immediately called the company Concora credit to inform them that I had not applied for an indigo card. They tried to extract my social security number from me but I did not give it to them. The card was never activated and I told them to close the account. The said that there was a balance on the card of the annual fee, which I told them I would not pay.
Consumer complaint received 2024-07-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Someone used my information to try and rent two apartments in my name last year one was at the XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX for the amount of {$240.00}, and the other one is the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ for the amount of {$220.00}, the name of the collection agency is Columbia Debt Recovery XXXX XXXX  XXXX XXXX XXXX XXXX XXXX WA XXXX and these collections were placed on my credit report withouth my knowledge until I got an alert from one of my credit monitoring companies and it sits there and is accruing interest every month. 


I have never tried to rent any apartment in NJ I own a home a home in XXXX Georgia
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. ()

I had made a transaction to transfer money of XXXX AED to XXXX over Remitly app. 

But the transaction was cancelled and money was debited from my account on XX/XX/year> But the amount has still not refunded Upon contacting them they said they didn't received money at first place and I also provided them with reference number for this. 

They are not agreeing to refund money
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (SC)

This company is in violation of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and also this company is not authorize to collect debt in the state of South Carolina see attached documents.