davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (AL)

I was attempting to buy a house and noticed these inaccuracies on my credit report : XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXXXXXX XXXX $ XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 
. 

COVINGTON CREDIT- No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXX XXXX $ XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 


COVINGTON CREDIT ( 2 ) - No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt.. 

XXXX XXXX ( 2 ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXXXXXX XXXX and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 


XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

COVINGTON CREDIT- {$1000.00} No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

XXXX XXXX ( 2 ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXXXXXX XXXX and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 

XXXX XXXX XXXX $ XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I have been working for months to resolve an incorrect late payment on my credit report. XXXX says to dispute it with the credit bureaus, they say XXXX needs to correctly report the account as never late. As usual the consumer gets XXXX by these negligent companies that make you go through 30 min. of security hoops and hold times every time you try to contact them. 

In XXXXXXXX XXXX  an unauthorized {$2.00} charge was made on my mom 's XXXX card without her knowledge and went unnoticed. She was subsequently in and out of the hospital and did not check her statement, since the account balance ( as far as she knew ) was XXXX. XXXX reported this as 2 late payments, 60 days and 30 days. 

My mom called XXXX when she learned of the issue and replaced the card, and added me as an authorized signer to try to help resolve the problem. The 60 day late payment was removed, but not the 30 day late payment, which is still on there damaging my mom 's and my credit score. 

XXXX continues, month after month, to claim that they have fixed the issue and are not reporting the late payment any more, and that I should dispute with the credit bureaus it if I want it resolved quickly. The credit bureaus insist that they are accurately reporting it and that XXXX is still reporting a late payment. The last time I contacted them, XXXX completely deleted the account altogether then denied any knowledge of it. I was able to get it restored but the late payment is once again on both credit reports. 

This applies to XXXX and Equifax. XXXX stubbornly refuses to list the account at all.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX we paid XXXX XXXX and XXXX {$2500.00} with our Capital One credit card ... XXXX for a rental vacation home in XXXX XXXX, rental to be used XXXX XXXX XXXX XXXX XXXX upon arrival, the home was filthy, no clean linen, towels, dirty dishes stacked full in the sink. We called their support people, and they came with apologies next day and cleaned up. 
We complained and XXXX XXXX and XXXX assigned us compensation for {$200.00}, credited to our card on XXXX XXXX. 
XXXX XXXX we had no power nor water, a pump had broken and the owner kept the pump locked in a garage, nobody had keys. It took 2 days, with us driving around hunting for the people who could fix the problem. 
We sent complaints to XXXX XXXX and XXXX, via their online message system, w/o ever receiving a reply. 
We then filed a dispute w Capital One, they based on the reasonable dispute, credited our account {$250.00} on XXXX XXXX XXXX. They requested details, so we sent their filled out complaint form, on XXXX XXXX XXXX On XXXX XXXX XXXX Capital One billed our account for {$2500.00} again w/o any basis for the charge. Upon my complaint they discovered the error and offered to correct it They corrected it XXXX XXXX by crediting us w {$2200.00}, not {$2500.00}. 
I contacted them twice, and they are firm in that {$2200.00} is the correct reimbursement, their last letter ( enclosed ) stating that they meant to bill us for {$250.00}, not {$2500.00}, and that was the reason for the {$2200.00}. 
There was no reason for them to state that the " correct bill '' was for {$250.00}. There was no item we ever purchased for {$250.00}. 
If they are withdrawing the credit for {$250.00} which they made on XXXX XXXX, they can only do this if they have information, which they have not shared with us, from XXXX XXXX and XXXX, proving that our dispute had no merit. If had plenty of merit. 2 days in a rental beach home w/o power or water is fairly good cause for dispute/redress. 
The {$2500.00} bill of XXXX XXXX was an error, and it should be credited to our account in completeness. Very simple math, and very simple principle of honest trade policy. 

Let me state clearly : I do n't care about the {$250.00}, I just want XXXX XXXX  and XXXX to provide compensation for a bad service rendered under one of their contracts. 

Capital One claimed that our dispute ( XXXX XXXX XXXX ) was filed outside of the window for claims ( original bill was XXXX XXXX XXXX ) The service was not rendered until XXXX XXXX XXXX, and we have been complaining since then. On XXXX XXXX XXXX we had no way of knowing that the house facilities would be so broken down Capital One disputes address : XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX XXXX, Utah XXXX
Consumer complaint received 2023-05-16
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: JPMORGAN CHASE & CO. (SC)

in XXXX  apparently I was added a co signor on a credit card. I was a XXXX, the card owner kept me on without my knowledge until I discovered it on XXXX! I filed a dispute and turns out it was my father. No contact. It was on my credit report every time he was late or something changed on the account. I never knew about this card since day one. After XXXX until I was XXXX never knew about it. How can that be legal? Especially when it impacted my credit report.
Consumer complaint received 2024-04-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (GA)

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. The address and license for which this account was opened do not match.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Prince Parker & Associates (MI)

I called to inquire about a debt that appears on my XXXX XXXX credit report, I asked for an investigation and XXXX XXXX sent me a letter stating that the account and the amount of this XXXX XXXX amount of XXXX was accurate. I contacted XXXX XXXXXXXX XXXX XXXXXXXX after speaking to XXXX of their Rep, he was not able to find any information about the account, or the amount under my name or SS number
Consumer complaint received 2023-10-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (TX)

I was contacted by XXXX XXXX XXXX XXXX on I believe XX/XX/XXXX about a debt from XX/XX/XXXX from the Cash Store. When I answered the phone I was asked if I was available and if I would be at my location to receive documents. I was transferred over and spoke with XXXX who told me that I owed for the Cash Store. We spoke for a few minutes and after I contacted the Cash Store and was told that my debt was with another Collection agency. Called the Collection agency that the Cash Store Corporate office referred me to and was unable to get anyone. On XX/XX/XXXX I received a call again from XXXX XXXX XXXXXXXX XXXX processing center and was transferred to a rep name XXXX and after going back and forth about this debt and if their collection practices of this debt was legal. I was told that the debt was {$1100.00} and that they could in fact collect that amount if the debt went into ligation. The {$1100.00} was the interest and ligation fees. XXXX wanted to settle but did not confirm the original amount. After I ended the call with her she called back from a different number and I ended the call. I contacted the Cash Store Corporate office again and I spoke to someone in the Admin office and was told that the debt was sent to XXXX XXXX XXXX years ago and the amount was incorrect. The amount was only {$190.00}. I called XXXX XXXX XXXX and the agency is now closed, you can still leave a message as they still do check messages. I called back XXXXXXXX XXXX  XXXX and this time XXXX answered, he remembered me and to make a long story short. After going back and forth about the debt, the {$1100.00}, and etc, he wanted to see if he could settle with me before they moved on to ligation process. I asked to speak with the legal team and was referred to a manager name XXXX. I let her know that I wanted to speak to the legal department and we went right back and forth about the debt and their legal practice of collecting this debt. I let XXXX know that XXXX let me know that they used to be XXXX XXXX XXXX. XXXX told me she did not know why he would say that. Again we went back and forth about the debt. I let her know, like I let the previous reps know, that I will be contacting the FTC and filing a complaint. I read XXXX the article where last year in XX/XX/XXXX CFPB sued XXXX XXXX and its affiliates for Illegal Debt Practices. She disregarded the article and said that I could email to her and wanted to talk about the debt. Basically the same as the previous reps if they can not settle it then they will have to move forward with ligation process. I ended the call. She called back and I let her know that I would be filing a complaint to protect myself and looking into legal counsel since they are moving forward with the next stage of suing me.
Consumer complaint received 2023-01-10
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: Sessoms & Rogers, P.A. (NC)

sessoms and rogers and XXXX XXXX XXXXXXXX are trying to sue me for an old credit card debt. i already explained to sessoms and rogers and XXXX XXXX XXXX that i will not pay this debt. XXXX XXXX XXXX will not answer their phones for me to even communicate to them about this debt. i am a XXXX veteran so there is no way for me to pay anything because i do not work. so good luck trying to get money from me not owed
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

Refinanced mortgage XX/XX/XXXX to remove PMI. XXXX XXXXSLS deliberately undercalculated my insurance premium ( which I didn't notice, of course ) and tacked the shortage onto my mortgage in XX/XX/XXXX. I opted to purchase cheaper coverage to try to get my mortgage closer to what it had been. I purchased a replacement policy XX/XX/XXXX to be effective XX/XX/XXXX. Somehow my existing insurance carrier cancelled my policy on XX/XX/XXXX, in spite of my request to continue coverage until XX/XX/XXXX. 
I sent the refund check I received from my previous carrier to SLS upon receipt using the letter sent to me by SLS ( which DOES NOT indicate endorsement is needed ) on XX/XX/XXXX to be delivered on XX/XX/XXXX via First Class mail. I received the check back with a letter saying that I needed to endorse the check on XX/XX/XXXX. This could have been avoided if those instructions were INCLUDED with the letter requesting the check. I received another letter the same date saying that I would be charged {$260.00} for insurance premium ( that was actually {$160.00} ) if I didn't provide proof of coverage from Branch and XXXX 's mishandling of the replacement policy and cancellation. Overall, SLS has been a nightmare and I regret ever doing business with them.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an 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 2023-10-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

ERC ( XXXX XXXX XXXXXXXX ) sent a debt collection notice for XXXX for XXXX XXXX XXXXXXXX. I wrote and said it was not mine and requested documentation relating to the account and debt. It was not sent. I received a fraud packet requiring I submit a police report which I can not possibly do without info on the account. I also provided proof of residency during the time the account was opened. I live in IL and the account was opened in PA. I wrote them and explained this. They won't respond and keep threatening to report this on my credit. I am a XXXX and this seems very shady and harassing. XXXX also has dubious fraud prevention measures. Finally, I froze my credit last year so not sure how this happened at all!
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (WA)

I submitted a letter to Equifax ( attached to this complaint ) that my student loan totaling XXXX had been forgiven for making necessary payments. I asked Equifax to remove this from my credit report. I just checked my credit report from XXXX XXXX which shows that Equifax dropped my credit score XXXX points by placing a comment to effect reinvestigating previously disputed. First i don't recall previously disputing this account a comment should not cause your credit score to dropped XXXX points after spending 7 years rebuilding it. Furhtermore there is nothing to investigate you have legal documentation stating that i know longer owe XXXX and is should be reflecting XXXX. That doesn't cause your credit score to drop. In fact also attached is my XXXX report what just went up XXXX point due to this being reported as XXXX. Equifax has history of being reported by the Media for wrongfully impacting people credit scores by coding errors including a XXXX XXXX '' Equifax issued wrong credit scores for millions of consumers. '' XX/XX/2022. This has even made it to congress.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (AL)

I was attempting to buy a house and noticed these inaccuracies on my credit report : XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXX XXXX XXXX XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 
. 

XXXX XXXX- No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXX XXXX XXXX XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved. 


XXXX XXXX ( XXXX ) - No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt.. 

LVNV FUNDING ( XXXX ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXX XXXX and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 


XXXX : Multiple letters sent and phones calls were made to remove improper address/names from XX/XX/2023 to current and they still remain. 

XXXX XXXX {$1000.00} No knowledge of this creditor and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested proof of the alleged debt. 

LVNV FUNDING ( XXXX ) - {$2700.00} & {$1100.00} Refusal on multiple dates letter/calls to provide me with the purchase agreement from XXXX XXXX and all signed documents regarding this alleged debt in order for me properly dispute the amount ( s ) dates and alleged second card info but was ignored. 

XXXX XXXX XXXX XXXX  XXXX incorrect dates/amount on this charged-off account and despite multiple attempts from both the creditor and the reporting agency I was not provided with the requested reason for the amount/dates changes or the contract/collection information including but not limited to the signatures of all involved.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hello my name is XXXX XXXX I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Transunion, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items i have identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution.

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above
Consumer complaint received 2023-01-10
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. (TX)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX  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
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (AZ)

XXXX XXXX promised payment minutes its been 3 days and still no transfer transfer to XXXX XXXX XX/XX/24 for XXXX XXXX in XXXX from XXXX XXXX XXXX would not cancel transaction XXXX stopped sending another transaction because 1st transaction we still processing.