davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
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: CITIBANK, N.A. (NY)

Subject : XXXX XXXX Best Buy/Citi Bank Regarding Inaccurate Reporting of Late Payment and Request for Goodwill Adjustment I am writing to file a formal complaint against Best Buy/Citi Bank regarding their inaccurate and harmful reporting of a late payment on my account, which has severely impacted my credit score and overall financial well-being.

Despite my continuous efforts to resolve this matter directly with Best Buy/Citi Bank , they have failed to properly address my concerns. This negligent reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant distress and financial damage. 

# # # Background 1. **Account Information : ** - Account Name : Best Buy/Citi Bank - Account XXXX : XXXX XXXX. **Issue : ** - The late payment reported on my account was inaccurately reported and has adversely affected my credit score.

- I have already paid off the account in full. 
- I have repeatedly requested a Goodwill adjustment, acknowledging that while it is not obligatory for the creditor, Best Buy/Citi Bank did not take the proper steps in handling my situation.

Violations of the FCRA Section 623 ( a ) ( 7 ) : This section requires furnishers to notify consumers if they report negative information to a credit reporting agency within 30 days. Best Buy/Citi Bank did not notify me of the reported late payment within the required timeframe, leaving me unaware of the negative impact on my credit score until it was too late to address it proactively.

Impact on My Life The inaccurate reporting of this late payment has had devastating effects on my credit score, which in turn has affected various aspects of my life, including : - Denial of credit applications- Higher interest rates on loans and credit cards- Difficulty in securing housing - Emotional distress and anxiety due to financial instability Attempts to Resolve the Issue I have contacted Best Buy/Citi Bank multiple times , providing all necessary documentation to support my case and requesting a Goodwill adjustment. Despite acknowledging receipt of my documentation and understanding my situation, they have refused to make the necessary corrections or adjustments to my account. Their lack of cooperation and failure to act in accordance with the FCRA has left me with no choice but to seek assistance through the FCRA Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-19
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: CITIBANK, N.A. (NY)

Subject : Complaint Against Best Buy/Citi Bank Regarding Inaccurate Reporting of Late Payment and Request for Goodwill Adjustment I am writing to file a formal complaint against Best Buy/Citi Bank regarding their inaccurate and harmful reporting of a late payment on my account, which has severely impacted my credit score and overall financial well-being.

Despite my continuous efforts to resolve this matter directly with Best Buy/Citi Bank , they have failed to properly address my concerns. This negligent reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant distress and financial damage. 

XXXX XXXX XXXX  Background 1. **Account Information : ** - Account Name : Best Buy/Citi Bank - Account Number : XXXX 2. **Issue : ** - The late payment reported on my account was inaccurately reported and has adversely affected my credit score. 
- I have already paid off the account in full. 
- I have repeatedly requested a Goodwill adjustment, acknowledging that while it is not obligatory for the creditor, Best Buy/Citi Bank did not take the proper steps in handling my situation.

Violations of the FCRA Section 623 ( a ) ( 7 ) : This section requires furnishers to notify consumers if they report negative information to a credit reporting agency within 30 days. Best Buy/Citi Bank did not notify me of the reported late payment within the required timeframe, leaving me unaware of the negative impact on my credit score until it was too late to address it proactively.

Impact on My Life The inaccurate reporting of this late payment has had devastating effects on my credit score, which in turn has affected various aspects of my life, including : - Denial of credit applications- Higher interest rates on loans and credit cards- Difficulty in securing housing - Emotional distress and anxiety due to financial instability Attempts to Resolve the Issue I have contacted Best Buy/Citi Bank multiple times , providing all necessary documentation to support my case and requesting a Goodwill adjustment. Despite acknowledging receipt of my documentation and understanding my situation, they have refused to make the necessary corrections or adjustments to my account. Their lack of cooperation and failure to act in accordance with the FCRA has left me with no choice but to seek assistance through the FCRA Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-19
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: CITIBANK, N.A. (NY)

Subject : Complaint Against Best Buy/Citi Bank Regarding Inaccurate Reporting of Late Payment and Request for Goodwill Adjustment I am writing to file a formal complaint against Best Buy/Citi Bank regarding their inaccurate and harmful reporting of a late payment on my account, which has severely impacted my credit score and overall financial well-being. 

Despite my continuous efforts to resolve this matter directly with Best Buy/Citi Bank , they have failed to properly address my concerns. This negligent reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant distress and financial damage. 

XXXX XXXX XXXX XXXX 1. **Account Information : ** - Account Name : Best Buy/Citi Bank - Account Number : XXXX 2. **Issue : ** - The late payment reported on my account was inaccurately reported and has adversely affected my credit score.

- I have already paid off the account in full.

- I have repeatedly requested a Goodwill adjustment, acknowledging that while it is not obligatory for the creditor, Best Buy/Citi Bank did not take the proper steps in handling my situation. 

Violations of the FCRA Section 623 ( a ) ( 7 ) : This section requires furnishers to notify consumers if they report negative information to a credit reporting agency within 30 days. Best Buy/Citi Bank did not notify me of the reported late payment within the required timeframe, leaving me unaware of the negative impact on my credit score until it was too late to address it proactively.

Impact on My Life The inaccurate reporting of this late payment has had devastating effects on my credit score, which in turn has affected various aspects of my life, including : - Denial of credit applications- Higher interest rates on loans and credit cards- Difficulty in securing housing - Emotional distress and anxiety due to financial instability Attempts to Resolve the Issue I have contacted Best Buy/Citi Bank multiple times , providing all necessary documentation to support my case and requesting a Goodwill adjustment. Despite acknowledging receipt of my documentation and understanding my situation, they have refused to make the necessary corrections or adjustments to my account. Their lack of cooperation and failure to act in accordance with the FCRA has left me with no choice but to seek assistance through the FCRA Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/year> I opened a credit card from Victoria secrets, managed by bread financial. 
My initial credit was around {$200.00}. 
I never received my card. But when I opened the account and I was approved, I used my credit. 
Then I got online and set they payment of {$160.00}, by mistake I left a balance without paying, because I thought I set the monthly automated payment. 
Then, the debt reached almost {$700.00}. 
I called and made a payment plan with their customer care center, my intention was to leave the account on {$0.00}. And asked the guy that attended my call to update my mail, so I can stay aware of any notification ; thing that was never done. 
Then I received a notification from my bank that they had marked me as a delinquent, I called because the debt was supposed to be fully paid. And they told me, the guy left {$14.00} that were not paid in all the months I set the payments and it had generated now some new interest and I had a {$180.00} debt, again! 
Now I asked them to reduce the interests because it was never my intention to keep on debt and I am XXXX and had a lot to pay, so they asked me to pay {$110.00}, and days later, I had to pay {$660.00} and wait til to receive my {$000.00} balance to close my account. 
I called to close the account and they told I had a refound of {$210.00}. And that they will give it back to my account, and close my account. 
I though this problem has finally come to an end, and now, I received a {$000.00} statement and that they will continue sending me statements till I pay. 
The problem its not the XXXX, the real problem is the abuse I had suffered all this time. 
I want them to really close my account! I want nothing to do with them. 
I even want my {$110.00} and the {$6.00} back because I had to pay that because of a mistake made by the person that attended my call!
Consumer complaint received 2024-05-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

In XXXX  I filed a police report after receiving mail from a debt collector regarding a XXXX account opened under my name. Ive never been a XXXX customer. I explained this to the police and they generated a police report to share with XXXX. The account should have been shut down, but I received a new piece of mail from a debt collector trying to secure payment for the XXXX account.
Consumer complaint received 2024-05-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (AL)

I used Moneylions instacash services starting in XXXX and stopped in XXXX after I lost my purse during a night out which contained my debit card, ID, phone, and some other items. I was able to recover my ID and applied for a new debit card which I activated on XX/XX/year>. I had an outstanding balance of {$100.00} on Moneylion which I paid back on XX/XX/year> after receiving my check. I deleted the Moneylion app and removed my banking and card information, except for my old debit card since the app doesnt let you remove all forms of payment in case you have an outstanding balance ( I did not have a balance ) and so I thought that was the end of the situation. Fast forward to XX/XX/year> and I am charged {$220.00} for a Moneylion instacash repayment the day after I got paid when I havent used the service since XXXX. Im not sure if someone used my stolen phone to request funds in the app or what. I immediately called Moneylions customer service and explained the situation and they said that they were sorry but that they couldnt refund me since the money was already taken out of my account ( it was not, the charge is still pending ). After a lot of back and forth with them she just said that she would block my banking information so that I wouldnt get charged again and to dispute through my bank. I then called my bank, XXXX, to dispute the charge and put a stop payment on my account for Moneylion instacash services and was told that the token on my bank account was probably still saved by this predatory company despite me removing my current banking and card information and that that was how they were able to charge me. They then told me I would be provided a credit on my bank account once the charge was done pending while they investigated the issue. I redownloaded the app and can see multiple requests to borrow money after I stopped using their services. I am not sure if my money will be fully refunded.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : portfolio recovery associates XXXX XXXX : portfolio recovery associates XXXX XXXX : portfolio recovery associates XXXX
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (NC)

what this debt is for. Who it is from. Why does it say " original debtor '' when was this debt.made why are you entering this on my credit report when I've never seen a bill for this amount what is your address and phone number so i can dispute directly
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. LIST OUT INACCURATE ACCOUNTS HERE The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. 
Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. 

I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 

Best regards, XXXX XXXX
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I booked the XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX on the XXXX  platform. However, the hotel charged me again when I was checking out because they had an error with their system that didnt recognize my XXXX reservation. I filed for a refund on XXXX due to incidental charge but I have noticed that charge of {$600.00} has not been refunded to my bank account. I have contacted XXXX  customer service through phone call and they have said they had already repaid the amount but I have never seen that happening on my checking account. I had phoned XXXX for more than 10 times but every time they repeat with the words their financial department had already paid I am writing to request the refund.
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The CBE Group, Inc. (OR)

A person called XXXX called a third party that I used to know and tried to get information about me this person XXXX called is not a spouse has never been a spouse never will be a spouse. This person should not have been called he has nothing to do with me. XXXX could potentially put me in danger without any regard or any contact with me. Giving information to a third party to collect a debt, which is being collected. Wrong and dangerous for some.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I do not know this company nor do h own them anything. this company has violated it several State and Federal Laws and causing harm to my life with false and damaging information. they can not and have not validated the fraudulent debt but put negative and misleading information on my report they have Placed for collection an account that does not belong to me Creditor Name : LVNV FUNDING Creditor Contact C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Consumer complaint received 2024-06-12
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. (TX)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-05-22
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: Resurgent Capital Services L.P. (NC)

I have requested validation of debt on two occasions and the company failed to provide requested information. I have attached documents as proof of request and information that was given. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NJ)

My Venmo Account was Frozen with a positive balance for no reason, closed that account transferred the balance to my primary account. Then I opened a New Account and Venmo decided that they no longer support my primary bank account anymore so they decided after I tried to link my debit card they froze my account again I have dealt with venmo for over 5 years and never encountered this problem before I have customers, Family and Friends that send me money through venmo. I had a payment sent to me from a customer on Friday and he couldn't send it, so I had the customer send it to my friends Venmo Account and the same thing happened they froze his account as he was told they were going to expedite the issue and the money would be available for withdrawal later that day, they lied and his account is still frozen, so basically I am still waiting for the account to be unfrozen.
Consumer complaint received 2024-05-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEMS , LLC. 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 2024-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (OH)

After I requested a refund of escrow surplus due to a 2023 statement on the account. Mr. Cooper, debit/credited the account to avoid paying me. When I continued to complain and request explanation, Mr. Cooper has since then deleted the entire year of XXXX  ( i have kept the printed account information-thank XXXX ) and has continued to l ie, redact and edit the account information to avoid explaning and paying the surplus which is {$18000.00} plus dollars. Your records will reflect an earlier complaint wherein Mr. Cooper acknowledges this 2023 record and yet as of today it has been deleted in a cover up. See the attached screenshots and refer to XXXX complaint admission by Mr. Cooper. I wrote the below email and have not gotten a response. 

Subject : Request for Explanation Regarding Deletion of XX/XX/year> Posting and Issuance of Surplus Payment Dear Mr. Cooper, I am writing to seek clarification and a formal explanation regarding a recent discrepancy noted on my account. It has come to my attention that a posting from XX/XX/year>, which was previously reflected in my account statements, has now been deleted. This unexpected change has raised concerns, and I am requesting a detailed explanation for this deletion. 

Under the Real Estate Settlement Procedures Act ( RESPA ), I am entitled to receive clear and accurate information about my account transactions [ 2 ]. The sudden removal of the aforementioned posting without prior notification or explanation appears to be inconsistent with these requirements. As such, I am exercising my rights under RESPA to demand a prompt and thorough explanation for this action.

Furthermore, if this deletion has resulted in a surplus in my account, I hereby request that the surplus payment be issued to me without delay. RESPA mandates that any overcharges or discrepancies in the account must be addressed and rectified promptly [ 2 ].

Please provide the following information as part of your response : 1. A detailed account of the reasons behind the deletion of the XX/XX/year> posting.

2. Confirmation of whether this deletion has led to a surplus in my account.

3. If a surplus is confirmed, the amount of the surplus and the expected timeline for the issuance of the payment to me.

I trust that you will address this matter with the urgency and seriousness it deserves. I expect to receive a response within the statutory time frame as stipulated by RESPA regulations.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEMS , LLC. 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.