davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

Please refer to complaint number XXXX. Please be advised that Resurgent Capital is hereby put on notice. Resurgent Capital Services L.P. whose business ID number is XXXX ( state of Mississippi ) and was incorporated in Delaware XX/XX/year>, whose general partner is XXXX XXXX XXXX at the address of XXXX XXXX # XXXX, XXXX, XXXX XXXX, who is a subsidiary of the Sherman Financial Group, XXXX. This entity ( or whatever living person ) states in fact that the account was originally with Capital XXXX and NOT with LVNV Funding or Resurgent Capital Services. The entity or living person also states that the account was previously charged off and states charge off does not satisfy a debt. What debt? The alleged debt was charged off with XXXX XXXX. This entity claim that the NEW OWNER has a right to collect the debt. There is NO AGREEMENT/CONTRACT between XXXX XXXX XXXX LVNV Funding or Resurgent Capital Services. As a matter of fact, XXXX uploaded a card member agreement that clearly stated XXXX XXXX on the agreement. The entity or living person states that with the PUCHASE of the Account that it obtained all the rights to collect and report the information to the consumer reporting agencies. No where in the agreement it states that XXXX XXXX WILL furnish my information to the consumer reporting agencies ( they assumed they had my permission ) nor does XXXX XXXX, XXXX XXXX, or Resurgent Capital Services have my written permission to furnish any information to a consumer reporting agency about me. Neither entity has provided a specific statute or code that states a consumer 's nonpublic personal information MUST BE FURNISHED TO A CONSUMER REPORTING AGENCY. The entity or living person states that bill statements are proof of verification in accordance with the FDCPA. The FDCPA clearly states that the debt collector must obtain verification of the debt or a judgement. the legal definition of VERIFICATION is a formal declaration ( affidavit of verification ) made in the presence of an authorized officer. No such VERIFICATION has been provided by XXXX XXXX. Bill statements ARE NOT proof of debt, refer to case law ( XXXX XXXX XXXX XXXX XXXX XXXX ). Please provide the audit trail as defined by 15 USC 44 between XXXX XXXX and XXXX XXXX, XXXX XXXX and Resurgent Capital Services, and XXXX XXXX and XXXX XXXX. Please provide the purchase agreement/forward flow agreement between XXXX XXXX and XXXX XXXX and assignment agreement/purchase agreement/forward flow agreement between LVNV Funding and Resurgent Capital Services XXXX Not only was this false information furnished without my written consent, but it was also furnished without my knowledge which is direct violation of 15 USC 1692g ( a ). Again, THIS ALLEGED DEBT IS DISPUTED. The furnishing of this FALSE and INACCURATE information to my consumer report is an attempt to collect a debt which is a direct violation of 15 USC 1692g ( b ). I have been emotionally distressed and was recently denied a line of credit.
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (CA)

Unauthorized inquiries need to be deleted and removed from my consumer reports Experian : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (OR)

I recently obtained a copy of my credit report and noticed that I have some hard inquires that I did not authorize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Mr Cooper has NOT applied funds they received on XX/XX/23 from the NY Homeowners Assistance Fund to my mortgage. They did the same thing in XXXX of last year. Kept the money ( accruing interest for themselves ) and then sent it back to NY in XXXX of last year. It has been 8 months of my life trying to get this mess resolved. I have pages and pages of notes to both Mr Cooper and Homeowners Assistance Fund. The gross unprofessionalism and inefficiencies of Mr Cooper is unacceptable. It is truly a shame that we are all held XXXX to these companies. Mr Cooper has so many complaints on various sites including the XXXX.
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year>, My son and I applied for a mortgage loan through XXXX. XXXX advised me that they would pull all XXXX  credit bureaus to assess my creditworthiness. 

Within XXXX minutes of XXXX accessing my credit report, I was inundated with unsolicited mortgage offers from a multitude of people trying to solicit me for a mortgage loan. In less than 24 hours, I have had 16 unsolicited nuisance calls, and the calls keep coming.

It was never disclosed to me that once my credit report was pulled, I would be swamped with calls from obnoxious salespeople, nor was I offered an opt-out option. If I had known I would get call after call, I would have said I wanted NOT to be contacted. 

My complaint is not with XXXX but rather with the credit bureaus. Consumers should be advised that they will immediately begin receiving calls from mortgage lenders buying our information from the credit bureaus or be given an option to opt-out.
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

The company name PHOENIX FINANCIAL SERVICE is trying to collect a debt from a person who is not me. They have consistently reported it on my credit report since XXXX. I have disputed this several times and the debt has been removed from my record, but it keeps showing up again. I have explained multiple times that I am not XXXX XXXX, but they are still pushing the debt on my credit report.
Consumer complaint received 2024-07-11
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. (FL)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Consumer complaint received 2023-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (CA)

Have been asking for written confirmation of their payment of property taxes from escrow. They called once, said they would send confirmation and have not, nor paid the taxes. I have sent XXXX requests in the past month. I have received a past due notice from the county tax collector.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} this process is will be considered a follow-up complaint
Consumer complaint received 2024-05-18
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. (AL)

XX/XX/2024 Contacted Expeeian regarding an XXXX account thats reporting on mt redkt report. The account does nir belong to me yet each time I contact theey respond furnisher verified. This account does not belong to me!
Consumer complaint received 2024-07-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

I lost my job late last year, and so i worked with my mortgage company ( Penny Mac ) to enter unemployment protection forbearance around XXXX of XXXX. My payments would be suspended, and the account would be delinquent but NOT reported, pending completion of the forbearance or finding a resolution. 

Fast forward to XXXX of XXXX, I found a job, and am now able to resume my payments. I reached out to PennyMac to figure out how to go about this and they said my payments will resume in XXXX of XXXX, and the outstanding balance from the forbearance would be made due in XXXX at the end of my mortgage. As well as that this would move my account move to good status and everything would be fine, and sent me a mortgage modification packet outlining this, to which i agreed. 

HOWEVER they then retracted the forbearance protection and reported my account as massively delinquent, causing my score to plummet to the XXXX. 

I have reached out a few times trying to figure out what went wrong, and they continue to hide behind saying 'well you were told this process MAY affect your credit '. However they never once stated that by agreeing to this loan modification I would have my credit destroyed. They were unbelievably deceptive by not being up front and transparent about what they knew WOULD happen if I took the path they offered me. Had they said I would loose all my years of hard earned credit, i would never have accepted. They KNEW this would happen, they KNEW that my acceptance would result in them turning around and hurting my credit while im trying to get back on my feet after loosing my job.
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Absolute Resolutions Corp. (CO)

The collection went to Absolute Resolutions. Since the beginning of the year Ive been harassed with phone calls and they sent someone to try to serve me and weve repeatedly told him to stop and get off our property. He came weekly for a little while until around spring time. Now hes been back multiple times. When we got a camera doorbell he showed up again and was a little nicer than he was before but still we told him to get off our property. Now the company is sending police who are coming really early in the morning. One morning they came at XXXX in the morning, according to our camera. Weve asked repeatedly for it to stop and it just gets worse.
Consumer complaint received 2023-04-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (PA)

i feel behind on my morgage and tried to get a modifcation and emailed and faxed many times and still was not able to get anything done. Made many phone calls still nothing..And on the pphone they said 4 times they would have a manager call me back and never did..I have all the emails and paper work and am afraid of loosing my home and need help..I explained this and still no one has reached back out to me..I have copies and emails of eveything please help me..Thank you
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MN)

I paid LVNV Funding LLC debt collection agency on XX/XX/XXXX for 3 credit card accounts with balances of {$340.00}, {$250.00} and {$170.00}. The debt collection accounts is still currently listed and showing on my XXXX, XXXX and XXXX XXXX credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
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: JPMORGAN CHASE & CO. (IN)

This company has violated my right to privacy, provided my private, nonpublic personal information to third parties, never conspicuously disclosed to me the consumer that my information would be shared, never conspicuously disclosed to me that i have the right and ability to opt out, never got permissible purpose nor my written or expressed instruction to furnish my consumer report in the first place. 
These are violations of 15 USC 1681 : Your company failed to obtain my permissible purpose or written instruction before furnishing my consumer report.

15 USC 6802-6805 : You violated my right to privacy by providing my non-public personal information to third parties without my conspicuous disclosure and opportunity to opt-out.

16 CFR 313 : You failed to conspicuously disclose to me that my information would be shared with third parties.

12 CFR 1016.7 : You failed to inform me of my right to opt-out of such information sharing.

The Privacy Act of 1974 : Disclosing my personal information without my consent.

This has caused so much damage and difficulty on my consumer report, financial reputation, my mental/emotional well being, my privacy, my family 's privacy safety and well being.

Per the fcra, and the above laws, as a federally protected consumer, i am now opting out of any and all authorization i the consumer, may have given you, written, unwritten, verbal, nonverbal, or otherwise communicated.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (VA)

In accordance with the Fair Credit Reporting act, this creditor had violated my rights under 15 U.S.Code 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 B a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (VA)

In accordance with the Fair Credit Reporting act, this creditor had violated my rights under 15 U.S.Code 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 B a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (CA)

I started receiving texts messages from National Recovery Agency on XX/XX/XXXX about a medical bill from the XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) from XX/XX/XXXX which I have records of having paid. I thought it was a scam until I received a second message. I contacted XXXX on XX/XX/XXXX who said in an email that I had the debt and it wasn't an error and they sent me the billing summaries from a different set of dates ( XX/XX/XXXX, XX/XX/XXXX which was billed twice XXXX as XXXX  and XXXX as in office ; and XX/XX/XXXX ). 

This contradict the information from the collections agency which shows a date of XX/XX/XXXX for the supposedly unpaid bills. The bill which states that I received services on XX/XX/XXXX is for services I was provided on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have screenshots and downloads of the summaries and credit card statements that match up with the payment amounts where I paid the amounts in full for the services provided on XX/XX/XXXX. I am not sure why the visit on XX/XX/XXXX that was covered by my insurance is billed twice for an in person visit and a XXXX visit, when it was only a XXXX  visit. This bill also does not show up on the regular part of my patient health portal and had to be specially generated when requested on XX/XX/XXXX. 

This is not the first time something like this has happened with XXXX. In XXXX I was charged twice on the same invoice and they refused to revise the charges till I reported them to my credit card company, at which time they removed the charges. XXXX when they overcharged on my deductible, they refused to revise the charges till I reported them to the insurance company who required them to charge the negotiated rate for the visit after a XXXX hour long phone call. I can provide the bills and email documentation on these incidents as well if it will help.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I went into my Citi bank location to withdrawal money I had deposited into the account. I attempted to withdrawal around XXXX dollars, and was told by the financial center manager that theres a problem getting the money, and then theres an issue with my account and it was terminated, and a check would be issued in 60 days. Theres no wrong doing in the account, and all of my deposits and transactions are legitimate. I need my money as soon as possible, and have asked for information to which nothing is given.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (AL)

I received a text message with loan amounts, payment amount and term. I chose the {$5000.00}, 36 month term at $ XXXX. I went through the process to get the loan and several times it was stated to to me that the funds would be available in my account in 5 - 10 minutes. This didn't happen after I paid {$120.00} federal insurance and {$170.00} state tax on the loan. i contacted the accounting department and they said they needed my XXXX XXXX sign in name and password, I told them they weren't getting in and all conversations ended at that point.
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (SC)

On XX/XX/year> and XX/XX/year> voicemails were left on my cell phone that stated my name and that I was behind on my payment and that it was going to be escalated. The person left their name as well as the company they worked for ( they were from the same company )
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (DC)

The Amex agent I was working with iterated an offer to me saying they would I can redeem XXXX points for the total eligible charges of {$700.00} and statement credit for it will be applied to account within 24-48 hrs. 

After agreeing to this offer, the agent then took over XXXX points from my account for {$700.00}. They had no plans to bring up this mistake until I brought it up with the agent.
Consumer complaint received 2023-09-21
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NV)

I am filing for bankruptcy and XXXX XXXX continues to contact both myself and my wife. I have given them my lawyers contact information and told them that any further communication should go through them. When they call I tell them again that all communication needs to go though my lawyer, they say they wont be able to continue the call until they verify my information and keep saying that over and over.