davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Resurgent Capital Services L.P. (TX)

I am writing to formally file a complaint against LVNV Funding, LLC regarding an unresolved issue with a financial transaction. Specifically, I have not received funds that were supposedly credited to my bank account by LVNV Funding, LLC. Below are the details of the complaint : Issue : I was informed by LVNV Funding that they would deposit funds into my bank account, but I have yet to receive any money. 

Account Information : The bank account information I provided is correct and has been verified multiple times. Despite this, the funds were never credited to my account. 

Attempts to Resolve : I have contacted LVNV Funding several times regarding this issue. Each time, they have either failed to provide a satisfactory explanation or have not responded adequately. The lack of transparency and failure to resolve the matter is unacceptable. 

Financial Impact : The funds were expected to settle an outstanding balance or other financial obligations, and the failure to receive them has created undue stress and complications with my financial planning. 

I would appreciate the CFPB 's assistance in resolving this issue, as LVNV Fundings actions appear to be in violation of my consumer rights. I am requesting an investigation into the matter and appropriate action to ensure that the funds are deposited into my account as originally promised.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

I have sent removal letters to each credit reporting agency for the last six months asking them to remove o hard inquiries from reports. In those letters I have explained that there are items that contains data taken directly from my credit report. Asked them t please delete the unconfirmed inquiries lacking certification evidence unless physically certified verified proof is demonstrated per US code 15 usc 1681 ET SEQ. section 604 of Fair Credit Reporting Act
Consumer complaint received 2023-09-22
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: Chime Financial Inc (PA)

I had 2 fraudulent charges on my account with Chime Financial. I filed a dispute in XXXX and at the time I filed the dispute. The company had closed my account and both transactions were for {$2500.00}. I got credit back on my debit card and they never credit me back the other {$2500.00} at the time they closed the account tied to my debit card.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, my wife died and XXXX days later I went to the bank where we have bank accounts to present the death certificate and my wife 's signed and notarized Will in my favor. 
The official who assisted me gave me bank documents to fill out and told me that I had to present a Probate Case in Family Court. 
I proceeded to complete them and paid the Court the sum of {$340.00}. 
When the Court was about to give me the decision, the Clerk told me that the Bank had to first give me a Letter to release the funds, but the Bank denied me the Letter, arguing that my wife had a debt on her VISA Credit card. 
Then I asked the officer who attended me, why did they ask me to open a case in the Probation Court if they were not going to authorize the Release Letter later? 
On several occasions I made claims to the Bank asking them to return me the cost I paid to the XXXX and the remaining money of the checking account of my wife but they always denied to give me the funds. 
The accounts are like this : Money in my wife 's checking account : {$1800.00} Payment to Probate Court : {$340.00} Credit Card Debt : {$1700.00} In the month of XX/XX/XXXX, I received a document from the Bank where they withdrew the sum of {$1700.00} from my wife 's account without my consent and did not mention the balance in my favor of the will left by my wife nor did they recognize the payment I made to the Court on instructions from the same bank. 
After receiving that letter from the bank, I requested an appointment and spoke with a bank official who denied me the delivery of funds and only told me that I should open another case in the Court of Probate, which seemed like a joke to me. 
I have all the Documents of this case to submit.
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (CA)

I am writing to file a complaint against Allied Collection Services for violating my consumer rights, as protected by the Consumer Financial Protection Allied Collection Services has not provided validation information under 12 CFR 1006 .34 ( b ) ( 5 ) but yet they went ahead and placed a collection on my consumer report. 

Furthermore they are violating my consumer rights by using false, misleading, misrepresenting, and deceptive means. 
They have no right and authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and therefore they are clearly in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681- S2 ( 7 ) ( A ). 

XXXX XXXX XXXX have not given me a chance to dispute the account in respect to 12CFR 1006.34 ( c ) ( 4 ) ( I ).
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

On Tuesday, XX/XX/2023 at XXXX, I received an email message from " XXXX '', stating that I won a prize. The email stated : " XXXX XXXX XXXXXXXX ''. The message stated to contact the shipper XXXX XXXX Delivery, at : XXXX XXXX XXXX XXXX XXXX', using XXXX XXXX XXXX XXXX XXXX XXXX She " XXXX '' stated that I won an XXXX and an XXXX laptop. I texted the " shipper '' and he requested that I send {$50.00} for expedited shipping fee from XXXX. He said to use phone number XXXX ( Under the name XXXX XXXXXXXX XXXX Delivery ). Then he texted & said I would get an email from XXXX. I ended up getting an email from " XXXX '' requesting that I send {$100.00} for insurance. I thought this was odd because the email did not come from XXXX. I asked the " shipper '' why this email did not come from XXXX, & gave me some fishy excuse. I asked the person/shipper to refund my money. They asked for my phone number so they could refund my money back to my bank account. They said they did, but I NEVER received a refund!!! The Zelle confirmation of the money I sent is # XXXX. I filed a fraud complaint with my bank XXXX XXXX XXXX and also filed a fraud complaint personally with Zelle. My bank filed their own complaint directly to Zelle. I was denied a refund. Please see attached supporting documents.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX my score was dropped by XXXX points. I havent opened any new accounts, havent closed any, have never ever been late on any payments whatsoever. Contacted credit reporting agencies, they had no idea why.. ever since I signed up for XXXX XXXX with my XXXX a count, funky stuff keeps happening. They lowered my credit score by XXXX points out of nowhere just a few months ago. 
Not sure who is reporting wrong information. The previous drop was corrected, not sure where this XXXX point drop is coming from. XXXX XXXX is such a FRAUD
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

my name is XXXX XXXX, i have sent multiple complaints in regards to multiple accounts with the supporting documents to show XXXX XXXX XXXX XXXX - XXXX this account is in direct violation under the FCRA 15 U.S. Code 1681-2 - a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to beleive that the information is inaccurate. as shows in the supporting documents all three credit bureaus are showing inaccurate missed payments as well as ( account type and Date Last Active ) this account should state paid never late. 
XXXX XXXX account - XXXX this account is also inaccurate ( date last active, Date of last payment, date opened and account type ) are all inaccurate and are ina complete violation of the FCRA under 15 U.S. Code 1681-2 as well as 15 U.S. Code 1681 Section 604 ( a ) A consumer reporting agency can not furnish an account without my written consent. 
XXXX account XXXX XXXX this account has the following inaccuracies ( account type, date opened, high credit, credit limit, comments to my account without my consent, date last active and date of last payment showing no payments made ) this account is in direct violation under the FCRA 15 U.S. Code 1681-2 as well as 15 U.S. Code 1681 Section 604 ( a ) A consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 section 602 which i have right to privacy. 15 USC 1681b -required under this law this title is to be mailed or delivered to the consumer not later than 21 days before the payment due date. i received nothing. i am a blocked caller to the customer care line in which this agency has been taking money out of my bank account this account is under violation FDCPA 15 U.S.C 1692e- which prohibits tge use of false, deceptive and or misleading representation in connection with the collection of debt. and is to be deleted from my credit report also under the FCRA all these account are under violation of my federal rights. under all codes named 623 ( a ) ( 1 ) ( a ), U.S.C 1681s-2 ( a ) ( 1 ) ( a ), 15 U.S.C 1681b.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There are MULTIPLE fraudulent items on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent items and they're still reporting on my credit report.

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2024-03-01
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: SUNRISE CREDIT SERVICES, INC (FL)

I checked my credit report and Sunrise Credit credit has reported a {$180.00}. Debt. I have no idea what company it's from and I have not received any notices of a debt for {$180.00}. I pay my bills on time or early. Also, there is no other information such as acct # or except for their company contact information.
Consumer complaint received 2024-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On all of my credit reports for XXXX, XXXX and XXXX XXXX. Ive seen that I have a derogatory report stating that I owe a debit of {$5200.00}. I do not know these company and do not know what loan they are talking about nor I am getting any information from this company when I called to find out what is going on. I want a copy of the original contract with my signature, a copy of the original payment history, and proof of collection authorization as I was unable to get this information. I did file dispute with with the three credit bureaus and waiting for a resolution. Since this debt is disputed pursuant to the fair Debt Collection practices act, I require that the company cease all collection of this alleged debt and that I do not want any contact with this company along with using my information illegally to report to the credit bureau as I will then file for fraud and identity theft.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am urgently seeking the removal of this inaccurate late payment from my account. Given my history of timely payments, this entry is causing me undue stress and worry. I request that you promptly rectify this mistake by updating my account accordingly.
Consumer complaint received 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (IN)

I took a line of credit out for {$1400.00} and I have to pay every single week {$120.00} and then it decreases but I also have to charge an {$80.00} reoccurring fee that goes straightly to them so Im only paying {$43.00} of my principal and {$80.00} in interest that just sounds to me like I watch this XXXX XXXX over the payday loans and that just sounds just like this I thought I was paying like a monthly payment and only {$40.00} a month it is gon na go {$1400.00}
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (FL)

They told me they were trying to collect a 12-year-old debt for Providian Bank and they were preparing a summons for service of process on a lawsuit for a 12-year-old debt that is actually more like 20 years old. They told me that Providian Bank had been acquired by some other party and when I inquired for the name they got nasty and started arguing immediately. I asked them to repeat the name of the acquiring bank and of their organization however they didn't respond to that they just insisted that I make payment arrangements or told me they were going to garnish me. It ended up with a shouting match with the f word and them telling me that they were recording my phone call and they'd be turning a phone call recording over to a law enforcement agency because I used four letter words with them and allegedly threatened them.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

When I discovered the collection on my credit in XXXX and have disputed this collection at least 7 times since then with both XXXX and XXXXI have tried to make contact with the company several times to dispute this debt and they keep using aggressive tactics and threats stating that they will take my XXXX money and that I will pay no matter what. They also state they will continue to ruin my credit if I don't pay up. II told them I was XXXX. I told them I was covered by a different auto insurance and I was told to submit documents proving that and they would remove the debt. So I faxed another dispute with the documentation requested on XX/XX/XXXX and I complained to CFPB and the company lied to CFPB stating this debt was legitimate and never disputed it before. My second dispute was faxed AWA on XX/XX/XXXX and they again have not contacted me or sent me any correspondence. So since they can not prove that this debt is mine and I can not verify the debt as valid. I want this debt removed from my credit report.
Consumer complaint received 2016-10-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Mobiloans, LLC (CA)

I requested and got approved for a {$600.00} loan from a company called Mobiloans. I told them I got paid once a month and they said that would be ok and would take out payments on the XXXX of each month. Now they want me to make XXXX payments a month. I can not do this. I called them and they said all customers were required to make XXXX payments ( minimum payments ) every month. When I tried to log in to mu account I could not because my login information was not correct. I requested a link to change my password and did not receive an email with a link for the password change. This happened 3 times in a 45 m, inute period. I called the customer service number and the representative said that I could change my payment options, but had to do this 4 days before payment was due. This is 2 days before payment is due on the XXXX of XXXX Payment has already been submitted to my bank which will not go through because I have no money in my account. I will also get charged bank fees for the returned payment and overdraft fees. I then read consumer complaints about Mobiloans, and I only wished I had done this before I trusted this company. I was in a financial bind and just took their loan. I am going to see if my bank can do anything about this, but I do n't know. 
Other information that was not made clear to me was that my minimum payment only covered their fee and would not go towards my loan unless I made more than the minimum payment. I can not do this and so will probably be paying this company forever, unless I suddenly win a lot of money which is not likely because the extent of my gambling is to enter the XXXX. I am XXXX and on a very low fixed income and can not work due to XXXX.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. On or about XX/XX/2022, XXXX purportedly sold account number XXXX to XXXX XXXX. XXXX indicated that the account was charged off, and {$1900.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX. XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. Including the tradeline on consumer reports makes it Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized twice for one offense, which is tantamount to Double Jeopardy in criminal law.
Consumer complaint received 2024-02-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fairway Independent Mortgage Corporation (GA)

I was in a payment arrangement with my mortgage company that ended XX/XX/year>. My XXXX mortgage payment was posted to my mortgage account on XX/XX/XXXX. On XX/XX/XXXX someone left a door knock on my front door. When I left the house on the XXXX at XXXX I saw the door knock. When I thought about it someone had knocked on my door between XXXX for about XXXX minutes on the XXXX. This door knock is from XXXX Mortgage which seems to be working with XXXX XXXX which services my XXXX Mortgage. I called the number on the door knock XXXX XXXX but was on hold for XXXX minutes and then disconnected, XXXX XXXX XXXX is on XXXX and was now open I then called them at XXXX. The XXXX that answered my call advised me that they have the right to come to my property any time they want to confirm I live there and I asked is that why they came without an appointment or phone call? This XXXX could not tell me why they came to my home. How and why am I expected to open my door to a complete stranger??? I have not received any calls from my mortgage company nor has any mail been returned, but they are going to send someone to my home. Is XXXX Mortgage the strong arm of XXXX? Why all of a sudden are people being sent to my home? Was it because I did not pay my XXXX mortgage until XX/XX/XXXX? What other XXXX customers that were in arrears as of XX/XX/XXXX had a door knock with or without an appointment? What are the zip codes of those in arrears because this seems like another form of relining. This is bullying and intimidation. What was this person knocking on my door going to say if I had opened it?? I don't know many single women or people in general who answer the door to a random door knock when they are not expecting someone.? As of today, no one from the mortgage company has called to explain why they came to my home.