davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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: Resurgent Capital Services L.P. (FL)

Dear LVNV FUNDINGXXXX I am writing to dispute the LVNV FUNDING account ( Account number : XXXX ) that is listed on my XXXX credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with LVNV FUNDING.

I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b.

I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. 

Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. 

Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by LVNV FUNDING is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. 

In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : XXXX
Consumer complaint received 2023-07-24
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: SUNCOAST CREDIT UNION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-08
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. (TX)

This is one of my multiple attempts to notify Experian and XXXX credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I had received a letter from state, three years after my brother XXXX, who owned 50 % of the home, passed away. Due to mortgage company error, he was not owner of 50 % and if something were to happen to me, that 50 % would go into probate that my heirs would need to figure out. I contacted my trust attorney and paid her {$4000.00} to straighten this out. The following is the issue all stepped out. 

On XX/XX/XXXX, the real property at issue known as XXXX XXXX XXXX, XXXX, California XXXX ( Real Property ) was owned by XXXX XXXX XXXX as to an undivided one-half ( ) interest, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX, as to an undivided one-half ( ) interest, as Joint Tenants with rights of survivorship. This document was recorded on XX/XX/XXXX with document number XXXX. The legal description of the Real Property is as follows : Lot 20 of Tract 18692 as per map recorded in Book XXXX, Pages 21 to 25 of Maps, in the office of the County Recorder of XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX created the XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. A Quitclaim Deed was prepared in regards to his fifty percent ( 50 % ) interest in the Real Property being transferred into his trust. This document was recorded on XX/XX/XXXX with document number XXXX. 

On or about XX/XX/XXXX, a representative of XXXX XXXX XXXX  XXXX prepared a Quitclaim Deed transferring his fifty percent ( 50 % ) of the real property out of his trust to " XXXX XXXX XXXX AS TO AN UNDIVIDED ONE-HALF INTEREST and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, as to an undivided one-half ( ) interest, as Tenants in Common. 

At the time of his death ( XX/XX/XXXX ), the fifty percent ( 50 % ) interest of the real property was held and is still held as " XXXX XXXX XXXX ''. A deed was never prepared by the mortgage company transferring this asset back into his living trust. 

XXXX XXXX XXXX died on XX/XX/XXXX. 

Petitioner requests this Court confirm that the additional FIFTY PERCENT ( 50 % ) interest in this Real Property asset is subject to THE XXXX XXXX XXXX XXXX XXXX  and under the control of XXXX XXXX XXXX as Successor Trustee. Petitioner believes that this asset is subject to her control as Successor Trustee.
Consumer complaint received 2023-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2023 I had received proof of service that a transfer fund from my wife had come into my bank. The bank provided proof of receipt and later remissed that proof and have not given me the funds " not found ''. The funds were published as complete on the end of XXXX pay.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hi, On both dates XX/XX/XXXX and XX/XX/XXXX I received an email from XXXX saying Thanks for requesting a new credit card, also received an Hard inquiry on XX/XX/XXXX. This was NOT me requesting any credit cards. I immediately called XXXX at XXXX reported the following and they " solve it '' on there end and closed the account and send me some mail with a reference number saying that they apparently solve it. On XX/XX/XXXX I called XXXX, XXXX and XXXX to make sure that they can solve anything and to take out the hard inquiries out of my credit. They all told me that they were going to put a freeze for 1 year of fraud alert. But now today XX/XX/XXXX I received a other notification from XXXX XXXX notifying me of another hard inquiry from Capital One which I DID NOT request. I will be calling Capital One on XX/XX/XXXX to make sure this is not an problem again because I did not request anything with them today. I just want to get to the bottom of this because its getting to out of control in a small amount of time.
Consumer complaint received 2024-06-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Arivo Acceptance, LLC (TN)

I'm not sure of the exact dates there has been several calls about this situation since around the middle of XXXX or so. I expressed concerns over the monthly payment. The couple of representatives that I spoke with clearly told my wife they don't revise interest rates or payments. This is a used XXXX XXXXXXXX XXXX for {$810.00} a month for 72 months 19.5 % interest rate. Tennessee has usury laws and I didn't know that this is potentially in violation of the usury until it was shown to us here recently. No my credit is not great. I'm XXXX XXXX  and my wife is on XXXX we are not business people we did not realize half of what was done that day we thought it was because of the poor credit. Now my wifes XXXX XXXX XXXX XXXX and I can not let that continue.I reached out to Arivo and come short of begging them to assist in a revision or my only other option is to surrender the car in a XXXX XXXX I'm hoping there better way. This car is barely worth {$14000.00} and definitely not worth {$34000.00}. I hate to label this company as predatory as I would like to give them the benefit of the doubt. It was said at some point that I signed the paperwork work. Yes I did it should have been explained that the interest rate wasn't normal.
Consumer complaint received 2023-10-08
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: WELLS FARGO & COMPANY (CA)

I reported identity theft on this account back in XX/XX/22 the card was issued thru choice rewards not Wells Fargo at the time I open the account, I was waiting on the resolution for my account I stop receiving information I was never given information about my account weather the issue was resolved or not nor that my account was sold to Wells Fargo nobody ever contacted me. Now its closed for non payment??
Consumer complaint received 2023-10-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Onity Group Inc. (CA)

I had a XXXX XXXX and ended up having XXXX. I had to move out of my home and into a XXXX home. I was unable to pay the mortgage company and so they started foreclosure proceedings. I obtained a real estate agent who, after showing the house over 40 times was finally able to find a buyer for my house, I notified the mortgage company and they told me that I would have to pay to have an appraisal of the property done which I did. They then told me I would have to provide them with a cost to cure with a list of areas that need repairs in the approximate cost of those repairs, I provided that to them as well. Every time I would call them to check on the progress of the requested short sale and acceptance from them they put me off they kept saying they needed more time call back in two days. Call back in two days this went on for over three months now the appraisal which I paid {$600.00} for has expired and they are telling me Im going to have to pay for another appraisal, because they have not yet made a decision. They told me the rationale for that was because they did not get the cost to cure document before the appraisal expired. However, I have proof that I sent that cost to cure to this company seven times before the date the appraisal expired, I dont know what else to do. Im afraid my buyer is going to walk away can you please help me?
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is 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.
Consumer complaint received 2023-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

ATTENTION to the INDENTURED TRUSTEE : presenting exclusive equity, and its your duty. 

Notice of subrogation, Back in XXXX, I " purchased '' a XXXX XXXXXXXX XXXX, I was approved for the extension of my own credit from my cestui que vie account for the vehicle. A promissory note was presented to me and executed by me the " surety '' who is secondarily liable if the legal entity XXXX XXXX debtor/principal which is primarily liable don't take care of the obligation. 
The PROMISSORY NOTE is a financial asset/collateral which holds actual cash value which currently being securitized among other investors which was not fully disclosed.. I as the surety since the obligation was taken care of and the car " payment '' was satisfied. I am pleading for whats rightfully mine, I am entitled to receive in exclusive equity the collateral that the corporation took to hold as security. I am recouping the funds. It is unjust enrichment and not fair and just under equity. I look forward to the check to be sent to XXXX XXXX XXXX XXXX XXXX, XXXX ny XXXX. Do what's right BY GOD, THE ALMIGHTY, THE CREATOR.

I PUT ON THE RECORD NOTICE OF SUBROGATION.
Consumer complaint received 2023-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KEYCORP (NY)

I went bankrupt on a Key bank account for a mortgage on my house in XXXX. In XXXX, my son was XXXX XXXX XXXX and I signed up to have a joint bank account with my son at a Key bank. Key bank withdrew {$300.00} from my son 's checking account that had my name attached to the joint account through Key bank. Initially, I have contacted the bank institution in Iowa for unfair bank business transactions. Within the past 4 years, reached out to Key bank to resolve the issue and get a refund from Key bank. Key bank representatives tell me that they can't find the account in their system from XXXX to correct this error of stealing the money out of my son 's Key bank account in XXXX for a Key bank bankruptcy account. I sent all information to Key bank to show the account number associated with the issue. I had to reimburse my son for the money that Key bank illegally took from my son back then!
Consumer complaint received 2023-10-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (OR)

On XX/XX/2022, I was hospitalized due to severe illness. Since then, I have been in and out of hospitals and on long-term XXXX from work. Upon move-out from The XXXX XXXX in XXXX, we were never asked for a forwarding address. As such, they notice of our move-out costs was sent to the address they had on file, which was the same address at XXXX XXXX. Essentially, they mailed the notice to our previous address with them. We called XXXX XXXXXXXX and they confirmed this over the phone, and confirmed they do not have our new address and to expect a callback once they spoke to management. We never received a callback. 

The first notice of the debt received was from National Credit Systems , Inc. and due to being on Long Term XXXX, I am receiving care out of state. So I was first made aware of the " Debt '' from my credit report. We have never had an issue with a past landlord as per our history, and it is clearly evident that The XXXX failed to properly notify us of our move-out fees by failing to acquire our updated address. It is evident that National Credit Systems , Inc. was only able to locate our new address using their capabilities as a debt collection agency. 

Due to the nature of my XXXX, I contacted National Credit Systems , Inc. via email to no response and thus have come to CFPB for resolution.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TX)

Hello, This account is being reported by IC System , Inc from XXXX XXXX. I did not choose Auto-renew on this account and did not receive services for my pet that were not paid for. My pet has not been to any of their facilities for well over a year as I called in and cancelled the services. I have made several calls to speak with a supervisor and get this resolved and I've been told by phone XXXX XXXXXXXX XXXX XXXX # XXXX ) that I would get a call from a supervisor, and I have not received any responses. This is causing me great harm with my credit score having dropped significantly. I did not receive anything from anyone prior to me getting a notice that my score had dropped and then me seeing it on the credit report.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

XXXX XX/XX/2023, I learned of Community Capital Bank ( CCCB ) presenting a negative report and contacted the Company. The alleged debt evolved from an interest fee applied 12 days after the account was paid in full. 
When I informed the agent, I was not informed of any past or present charges ; she looked deeper into the account and realized my email address was incorrect and since my statements are paperless, I could not have been informed. 
The Agent then reversed all fees and penalties and allowed me to pay the alleged {$6.00} interest charged after my attempt to pay the balance in full. The payment was cleared and posted XX/XX/2023. On XX/XX/2023 CCCB again reported I had a balance of {$58.00} over 60 days past due. 
In response to my dispute XXXX updated the report on XX/XX/2023. Not only does it still show Im over 60 days past due ; the CCB reported {$28.00} due as of XX/XX/2023 yet a balance of {$58.00}. A result of CCBs action my credit score has plummeted from XXXX in XXXX to XXXX today. With the evidence I have presented and when you see in your own files, all my creditors report never late, I pray you will take appropriate action to remove Community Capital Banks false report and ramifications caused by it, from my report. 
Community Capital blames XXXX. XXXX Blames Community Capital. Neither will take the effort to resolve it inspite of information I have supplied
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (DC)

Signup is clearly broken, and there is clearly an error in my account, but they will not admit this is going on, just saying " try again later '' - customer service puts me on interminable hold over and over again, has had me try all the browsers, and clearly is just waiting for me to go away.
Consumer complaint received 2024-06-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

The issue is with Comenity Bank for an XXXXXXXX credit card. I paid the full balance of {$40.00} and the next month I had a bill for {$2.00}. I called and spoke with a representative and they said they would remove the {$2.00} but that never happened and they charged a late fee of {$4.00}. I called and they agreed to waive the {$4.00} but not the {$2.00}. I understand this amount is small but if this is happening as a normal practice of paying interest the month after you pay off a card in full that is wrong and they are collecting a lot of funds. Also this better not have affected my credit over a fee that is not valid.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (MI)

XXXX, XXXX, and XXXX are reporting incorrect information on the consumer report they are furnishing. My name is XXXX XXXX and my address is po box XXXX XXXX XXXX MI XXXX there should be no other personal information being release failure to address concerns I will pursue legal action.
Consumer complaint received 2023-04-07
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: SANTANDER HOLDINGS USA, INC. (NJ)

I have made several attempts to inform this company I am a victim of identity theft I have provided this company with a FTC report, police report and their own internal identity theft report and they failed to remove this information from my credit report. They have certified this account but have not shown me any certificate of certification as i requested this company continues to harass me by calling multiple times a day leaving threatening voicemails
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe that this limitation has been imposed in error, as I have always strived to adhere to PayPal 's policies and guidelines.

I want to emphasize the following key points : Mistaken Limitation : I strongly believe that the limitation on my account is the result of a mistake or misunderstanding. I have consistently used my PayPal account responsibly and have not engaged in any activities that would warrant such action. 

Policy Compliance : Throughout my time as a PayPal user, I have diligently followed PayPal 's terms of service and acceptable use policies. I have not violated any of these policies knowingly or unknowingly.

Request for Re-investigation : I kindly request that PayPal conducts a thorough review of my account activity and the circumstances leading to its limitation. I am confident that this review will reveal no wrongdoing on my part, and I earnestly ask for the reinstatement of my account if deemed appropriate. 

I understand the importance of maintaining the security and integrity of the PayPal platform, and I fully support these efforts. However, I am convinced that my account has been incorrectly targeted, and I am eager to resolve this matter promptly.

I kindly ask for your immediate attention to this appeal and a prompt re-evaluation of my account status. Restoring access to my PayPal account would greatly assist me in conducting my online financial transactions smoothly and securely.

Thank you for your understanding and assistance in this matter. I look forward to a positive resolution of this issue. 

Sincerely, XXXX XXXX