davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

im having trouble with american express cards first, the decreased XXXX  card suddenly then i appealed ( XX/XX/year> ) then they said 7-10 days, then 30 days, now making me start the process over again the responsible lending department is off shore and quite dysfunctional then while i was trying to fix this card they demanded payment on another card with two days notice for {$2700.00} they sent me this notice on thursday for sunday payment XXXX these are bully tactics and they have terrible runaround useless customer service
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (FL)

Name LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Attempted to contact the agency above to request a purchase agreement and proof of ownership-
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IA)

I have made several attempts to contact XXXX to validate this debt, request debt be removed for inaccuracy due to my credit report reporting this account is open. My last failed attempt was a certified letter sent on XX/XX/XXXX, it was signed for but the signature is illegible. I have not gotten any response as of XX/XX/XXXX. I was able to have XXXX remove this collection from my credit report but XXXX and XXXX have refused to remove this from my credit report.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (WY)

The company only allowed check, or a bank draft check to be a form of payment and I tried to send checks and they kept getting misplaced, I attempted to use there method of payment that would do a bank draft from my account it would not work also. I spoke with an computer engineer for there billpay service and he said it was an issue with there banks system.or mine I did not know.
Consumer complaint received 2022-10-31
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. (VA)

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. 

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 They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I have attached a consumer report as evidence.
Consumer complaint received 2021-06-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

On XX/XX/2021, through the online portal at Flagstarbank.com, I filled out a short question survey, informing the bank that I am able to continue making payments on the loan. Due to COVID-19, I was forced to enter forbearance due to being laid off work. The representative at that time, told me that I will be receiving a letter- that letter never came. Therefore, on XX/XX/2021 I called Flagstar Bank customer service again. The representative told me that for some reason, the letter is " stuck in the queue '' but that she will request a second letter to be sent out via USPS, since the first letter has already expired. The representative also informed me that the forbearance has been extended to XXXX, in order to buy time to receive, sign, and send back any documents requested. I was also informed that should I not receive a letter by XXXX XXXX XXXX, to call back. Today is XX/XX/2021 and no letter has been received. I called Flagstar Bank customer service and requested to speak to a supervisor, the representative said that underwriter has declined the request for a " partial '' due to the past-due amount exceeding FHA guidelines. That my file was sent back to underwriter for a possible loan modification, and should take anywhere from 4-6 weeks. I am owner-occupying the home for the record. Meanwhile, we wait once again for Flagstar Bank to reconsider my claim.
Consumer complaint received 2024-03-22
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX va, XXXX LVNV Funding LLC XXXX XXXX Pl, XXXX, SC XXXX Last XXXX of SSN : XXXX Dear LVNV : I am responding to your contact about a debt you are trying to collect. This appeared on my credit report and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original credi-tor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Regards, XXXX XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (GA)

XXXX. Introduction : I, XXXX XXXX, am writing to formally dispute the debt referenced below that your agency has contacted me about. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you validate the alleged debt as I do not acknowledge or recognize it. 
2. Debt Details : o Account XXXX : XXXX XXXX Amount of Debt : {$410.00} XXXX. Request for Validation : Under the FDCPA, I request the following information to validate the debt : o Name and Address of the Original Creditor. 
o A Copy of the Signed Agreement that initiated the debt obligation.

o Detailed Breakdown of the amount owed, including principal, interest, fees, and charges.

o Proof of Authorization to collect this debt on behalf of the original creditor.

o Chain of Custody Documentation showing the transfer of the debt from the original creditor to your agency ( if applicable ).

4. Legal Notice : According to Section 809 ( b ) of the FDCPA, you are required to cease all collection efforts until this debt is validated. If this debt can not be validated, I request that : o All Collection Efforts Stop Immediately.

o Corrections are made to my Credit Report, removing any reference to this collection.

5. Expected Response Time : I expect to receive a response within 30 days. If you fail to respond within this time frame, I will assume the debt is invalid.

6. Compliance Notice : Failure to comply may result in complaints being filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), or my state 's Attorney Generals office. 
________________________________________
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

My mortgage loan was sold to Carrington Mortgage Services LLC around XXXX or XX/XX/XXXX. On XX/XX/XXXX, an escrow disclosure statement was sent to us stating that there was a shortage of {$230.00} for XXXX. I paid this amount on top of our regular payment on XX/XX/XXXX. However, as of todays date, our escrow and monthly payment has not been recalculated. We have been paying the additional monthly escrow amounts that are included in the new monthly payment as if they escrow shortage was not paid. I called Carrington on XX/XX/XXXX, asking why our payment amounts were not reconciled and have not been notified since, and my amounts due have not changed. 

Also, as of XX/XX/XXXX, Carrington is now charging a {$5.00} convenience fee for making a payment online through their app or through their website for normal, timely ACH payments. I attempted to instead make a payment through their online automated phone system, and was notified that there is a {$10.00} fee for using that automated ACH system. On XX/XX/XXXX, after being notified of the fees, I spoke with an agent and was told that the fees are from Corporate and that my only options are to sign up for automated deduction to bypass any fees or set up bill pay through my bank, or send a check in the mail. When I tried to set up bill pay through my bank, my account number could not be found in Carringtons bill pay and I copied the number exactly. I was not notified of any fees for making a payment and do not understand why a fee would be charged for simply making a payment.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US) (CA)

Collection letter sent to former address. XXXX is not owed money on my account. XXXX was contacted, requested letter sent to their fraud/legal dept. I 've faxed AIC to contest debt and request all information via fax and not mailed ( all copies attached ). One of AIC 's search results netted a long list of complaints by consumers receiving similar letters and or calls. This is a fraudulent scheme on behalf of AIC to collect money on debts not owed ( certainly not in my case )
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My case relates to bankruptcy that was disputed. 

On XX/XX/XXXX, I requested verification from the courts on how information is reported to agencies. In response, they sent a written notification on XX/XX/XXXX stating that courts do not provide information to credit reporting agencies. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) on XX/XX/XXXX and in violation of the Fair Credit Reporting Act. 

In response, TransUnion stated the information was verified on XX/XX/XXXX, XXXX, However, this is false because courts don't report to agencies/credit bureau. 

As a result, I would like for CFPB to investigate this matter.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

I inquired of the US Federal Court if they provided the XXXX credit reporting agencies my financial information without my consent. They state they have not provided the information. I sent a letter to XXXX, XXXX, XXXX and Lexis Nexis. They all stated they validated the debt and the information remained on my report. I received a letter from the Court they had not validated any such information. This is incorrect reporting without my consent nor the Courts consent. This violates 15 USC 1681 ( b ). 
None of the companies have sent me any documentation of validations or consent from the originating party.
Consumer complaint received 2021-06-18
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: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX of this year I applied for a loan from XXXX XXXX XXXX  XXXX because I wanted to purchase a home in Florida. It was then that I realized that Synchony Bank which is affiliated with Amazon Store Credit has sent the wrong information to the three credit bureaus ( XXXX, XXXX XXXX and XXXX ) stating that I am 120 days past due with this store account. This left a negative impact on my credit score and for the bank to give me the amount of money that I need to purchase a home. I have never taken out an account with Amazon.com store. After I got in contact with Synchony bank, I was sent a form to fill out my request and send back to the credit bureau specialisr ( XXXX XXXX ) This department received my letter of request on XX/XX/XXXX. Today, XX/XX/XXXX, I called Synchony bank at XXXX XXXX  to inquire about my request. A representative of the bank ( XXXX XXXX XXXX ) said that I should dispute my concerns with the Credit Bureaus. All credit bureaus said that I do not have an account with this bank. I am requesting your help in resolving this matter.
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted the credit company about the false information that they were reporting on my reports. I feel that I am being taken advantage of and being bullied. The law clearly states that any false or inaccurate information must be removed immediately. I was never notified of any investigation. I will be forced to seek litigation if this can not be handled appropriately
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NJ)

I have four store cards under Comenity Bank and everytime I turn around they are lowering my credit limit. They send you an email alerting you to check your message on the store card website of important changes. I have XXXX XXXX which was {$600.00} is now at {$200.00}, Roamans {$300.00} is now {$100.00}, XXXX XXXX {$250.00} is now {$100.00}. I can see if I was struggling to pay the bill, but they constantly doing this whenever there is a change in your credit score, I.m getting sick of this. I also have a Bonton which the store closed and went into bankruptcy and the interest rate is still high. They should not be charging interest rate if the store went under.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Seeking assistance and intervention regarding a hold placed on my funds by Bank of America, and the difficulties I have encountered in attempting to resolve this matter. 

I recently started working for XXXX XXXX on XX/XX/XXXX after a prolonged period of unemployment. It has been a challenging time for me, as I have fallen behind on my bills and financial obligations. The recent hold on my funds has exacerbated my situation, making it even more difficult to meet my immediate financial needs. 

I have made numerous attempts to contact Bank of America to inquire about the hold on my account and seek a resolution. However, despite my persistent efforts, I have been unable to reach a representative who can provide me with the necessary information or assistance. The bank 's customer service line directs me to the same number repeatedly, resulting in no response or resolution. This lack of accessibility has left me feeling frustrated and helpless. 

Given the urgency of my situation, I kindly request your intervention to help facilitate communication between myself and Bank of America. I believe that with your involvement, we can bring attention to my predicament and prompt a timely resolution. 

Enclosed with this letter, you will find detailed documentation of my attempts to contact Bank of America, including dates, times, and phone numbers called. I have also included relevant information regarding my employment with XXXX XXXX and the impact this hold has had on my financial well-being. 

I sincerely hope that you will consider my complaint and take appropriate action to address this matter. Any assistance you can provide will be greatly appreciated, as it will enable me to regain access to my funds and meet my financial obligations. 

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

Bank of America only gives me this phone # that no one answers- XXXX
Consumer complaint received 2023-07-31
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. (OH)

I am a victim of identity theft, these accounts below need to be removed, I went to the police station and gave them all the account numbers to these accounts someone opened in my name, I have talked to the vendors and they advised to file a police report By law these accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I ALREADY FILED A COMPLAINT AGAINST HOME DEPOT ON XX/XX/2021 BUT SOME XXXX WHO FAILED TO PROVIDE THEIR NAME AND DIRECT PHONE NUMBER SENT A LETTER TELLING ME TO FAX BACK MORE INFORMATION WITHIN 10 DAYS. THE LETTER DID NOT SAY WITHIN 10 DAYS OF WHAT DATE AND MORE IMPORTANTLY I DO NOT HAVE A FAX MACHINE BECAUSE I DO NOT HAVE A LANDLINE IN MY HOUSE ( AS MOST PEOPLE DON'T ANYMORE )!!!!! WHY ARE YOU ALL SO IXXXX????? WHY WOULD YOU ONLY PROVIDE ONE WAY FOR ME TO PROVIDE INFORMATION????? WHY WAS THERE NO DIRECT POINT OF CONTACT WITH A NAME????? CUSTOMER SERVICE XXXX!!!!!!
Consumer complaint received 2022-10-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (IL)

US bank, I just received I owed XXXX dollars, I never use US bank CARD AT ALL. .. Im not aware of it until I I received note, ..I had US BANK BEFORE XXXX or XXXX when I was working but I never use it at all, I left it, when I moved XXXX, in my bf. 
My XXXX XXXX Im using it, but they keep charging it till it gets to points its higher than I owe them..I dont have work for almost 4 years but they keep charging me on it.. Im full time mom,
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.