davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-16
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (NV)

There is a certain debt collector known as XXXX XXXX XXXX that is repeatedly calling and harassing my poor old XXXX year old grandmother on the basis of a debt I DO NOT legally owe. I am a resident of XXXX, where the debt should have expired last year, yet they call her at her number in XXXX, where I do not know how they got that number, as I have had no communications with them. What actions should I take to assert my rights and my grandmother 's privacy?
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

Hi, I am requesting a copy of the original purchasing agreement which involves LVNV FUNDING LLC and the company the alleged debt was purchased from in order the verify the following items. Correct amount alleged owed, the original amount alleged owed to original creditor, account transfer date, legal document bearing my signature authorizing the sharing of my personal and private information, required correspondence from LVNV FUNDING LLC informing me of my consumer rights prior to illegally entering possible false and inaccurate information to my personal consumer report and verification that the alleged debt was sold for less to LVNV FUNDING LLC.
Consumer complaint received 2022-09-23
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. (NC)

According to 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. 

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXX, 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 : 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 with 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.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (AR)

I connected Affirm on XXXX about a collection that they have on my credit report. The agent stated to me that I have a loan from them through XXXX. I advised the agent that Ive never had affirm. He advised me to contact XXXX. I did. I called XXXX and the agent stated that they have no records of me purchasing anything. I have on a recorded stated from XXXX saying this. I also have a recorded stated by Affirm stating that XXXX is who I have an account with. I would like Affirm to delete and remove this from my credit profile immediately
Consumer complaint received 2019-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (VA)

Our attachments have all necessary and pertinent contact information for employees mentioned. 

In XXXX, XXXX, we owed Sears/Citi {$10000.00} for a credit card that was issued to me. We could not make monthly payments due to a serious injury, almost fatal fall, and caring for my mother and a mother-in-law with XXXX. The amount was referred to XXXX XXXX XXXX XXXX who sent a letter to me dated XX/XX/XXXX asking for the balance due. 

I called the company and was told by XXXX, XXXX, ext. XXXX, that we could work out a payment settlement. XXXX XXXX XXXX XXXX would automatically withdraw 35 payments of {$280.00} and a 36th payment of {$260.00} that would pay this debt off in three years. We kept our part of the agreement. 

XXXX XXXX, XXXX and Sears/Citi then sent a bill and collection letter for an additional {$5200.00} that they said had accrued in interest since XXXX and that we were still liable for this money. We called XXXX XXXX and spoke Mr. XXXX XXXX, Senior Recovery Manager, and explained this. Mr. XXXX said he would file a complaint for us with his company and Sears/Citi. We called Mr. XXXX, Internal Recovery Unit, Citibank, explained the situation to him and have been afforded no solution. We also wrote to both companies XX/XX/XXXX and have received no resolution. We believe XXXX XXXX and Sears/Citibank are working together to collect more money that is not fairly owed them. We keep receiving bills from Sears/Citibank and a new collection letter dated XX/XX/XXXX from Client Services asking for {$4400.00}. 

Not wanting to hurt our credit rating any further, we have since paid an additional {$940.00} for which we are asking to be refunded to us. 

We received a letter from Citi, dated XX/XX/XXXX, asking us to call them at XXXX because they " require more information regarding your recent inquiry '' and when I did, I was told Mr. XXXX XXXX, Vice President, Citibank, N.A., does not take calls. We spoke to Mr. XXXX, again, who said our complaint was denied but we never received anything in writing. If we were denied, then why ask for more information. We have still not received any written correspondence in reply to our letters and phone calls. 

We have been fair to XXXX XXXX XXXX XXXX and Sears/Citibank but we strongly feel they are working together to charge us more than others in the same situation. They have told us how their process works and it is anything but fair.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

It started after i received a collection letter from Southwest Credit Systems on XXXX, it was in reference to an unpaid XXXX XXXX bill in Illinois in the amount of {$230.00}. I immediately contacted the collection company and told them this is not my bill, and that i have not resided in Illinois since XX/XX/XXXX. Then i contacted my local police dept and filed a police report on XXXX for identity theft/fraud. Then i contacted XXXX XXXX and fought with them as they stated the name on the XXXX XXXX account was the same as mine, and that the ss # which they made me verify, was the same as mine. They explained the gentleman 's name was also the same as mine, and told me the acct was opened XXXX, and a women called and closed the XXXX acct out on XXXX. To make a long story short, XXXX XXXX verified the information that i had given to them, they also stated the acct holder had auto debit, and the bills were going to a women in Illinois, but yet they would not clear it. They said to wait 45 days for them to do the investigation, and within less then 30 days, they had already turned this acct over to the collection agency. I did receive a call from XXXX XXXX on XXXX from a man who said he had verified all the info we had given him, and that he had credited the acct, and was going to clear the remaining balance, even though he believes it should not be done, but someone told him to. I was also told they would send me an activity statement, and that they would send documentation to the collection agency that the acct was paid. As of XXXX i called Southwest Credit Agency and they have not received any documentation from XXXX XXXX to Clear this acct. On XXXX, i contacted XXXX XXXX customer service to ask once again for an activity statement, proof its paid off, and for them to notify the credit agency. They refuse to notify the collection agency that this is not our acct, i have also tried to dispute this charge in my credit bureaus and they stated they will not remove it. What happened to the saying, your innocent until proven guilty??? How do i get this off my credit, when it is not my acct. Any help you can give me in this matter would be greatly appreciated. I can not send any documentation since all i have is a collection letter. I do have notes, dates, and people i have spoken to since this has begun back on XXXX.
Consumer complaint received 2019-08-06
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. (GA)

This is regarding an account listed on my credit report byXXXXL  XXXX XXXX XXXXunder  account # XXXX**** I sent a dispute letter regarding the information that Transunion and XXXX reported re : this account on XX/XX/XXXX and XX/XX/XXXX and both times Transunion and XXXX  responded by stating that they full verified the information on the account as 100 % accurately reported. However this is completely untrue. 

This account is being reported as a balance of {$8300.00} on my credit report however I have documentation ( attached ) from XXXX XXXX showing a balance of {$7600.00} since XXXX of XXXX. As a matter of fact, you can see via ledger that a balance of {$8300.00} was NEVER owed by me to this company. 

What this means is there is absolutely NO WAY that Transunion and XXXX  could have legally verified the information they claim they did and my rights as a consumer were flagrantly violated. 

Also, enclosed documentation also shows the account was opened AFTER the date XXXX has reported on my credit report. Another violation. They also continue to report payment history despite this account being in a charge off status. More violations. 

Also I respectfully demanded proof from XXXX XXXX XXXX  XXXX  that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL No such proof was provided within 15 days from their receipt of my certified mail notice, which means the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a violation of the FDCPA and FCRA.
Consumer complaint received 2022-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (TN)

On XX/XX/22, I received XXXX as a loan from this company, Upgrade.com. It was deposited directly to my XXXX XXXX bank account. On XX/XX/22, I made my first monthly payment of XXXX via autopay, and then made that same monthly payment in XXXX, XXXX, and XXXX. 

On XX/XX/22, I paid the loan off in full on their site. I have attached a screenshot that shows the payoff page, which includes the payoff amount of XXXX, the payoff date of XX/XX/22, and the form of payment, which was my bank account ( the same account into which they deposited the loan, and from which every payment had been automatically drafted ). I have also attached a screenshot of the confirmation I received immediately after I clicked " Continue. '' It clearly says at the top, " Payoff Scheduled, '' which is followed by a green checkmark and the words, " Congratulations! We've sent a confirmation ... '' I monitored my bank account daily to make sure they withdrew the funds, but as of XX/XX/22 -- three business days after I and they scheduled the payment -- the funds had not been drafted. I called them on XX/XX/22 to inquire about it and to make sure there wasn't a problem. After I gave the man every detail of why I was calling, he put me on hold to look up my account, then came back and said it showed a zero balance. I asked why the money was still showing in my bank account and he said the process can take up to 10 business days. I asked him whether I had anything to worry about, and he assured me that I did not. 

On XX/XX/22, I received an email notifying me of an upcoming payment -- the same monthly payment I had been making. So I immediately signed into Upgrade.com and pulled up my account. It still showed the loan as not paid, plus additional interest accrued. I immediately contacted them to rectify the situation, and even sent them the screenshots that prove the payoff was scheduled. However, even in the face of that incontrovertible proof -- the screenshot from their website that says " Payoff Scheduled '' -- they have continued to respond that I didn't schedule a payoff. Now, in order to pay off the loan, they are demanding that I pay an amount that includes the interest they have charged since XXXX, which as of this writing is an additional XXXX, and growing daily. As can be seen in the screenshots I have attached of their email response, they are lying about the nature of the confirmation I received from them -- confirmation that is clearly labelled " Payoff scheduled '' -- and then they proceed to tell me to go through the exact same process I went through on XXXX to pay off the loan. 

I have clearly demonstrated through the screenshots that I did everything required to pay off my loan in full, and that I have acted in good faith every step of the way. Upgrade is trying to defraud me and has refused to resolve this issue. If they are doing this to me in this manner, they are likely doing this as a systematic matter of course to other unsuspecting customers.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (MD)

On XX/XX/2022, CAPIO PARTNERS opened a collection. 
{$940.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureau 's. 

XXXX XXXX
Consumer complaint received 2022-07-05
Product: Credit card or prepaid 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: U.S. BANCORP (OH)

XX/XX/XXXX {$260.00} at XXXX. I told them I did not make this purchase on XX/XX/XXXX They did research the dispute. They did not think it was a valid dispute. Same day XX/XX/XXXX a charge was added {$49.00}, XXXX. I disputed the purchase, I did not make this charge at XXXX. I told them I paid cash for XXXX. XXXX I purchased on my debit card for {$140.00}. They did not give me credit back. U.S. Bank XXXX card.
Consumer complaint received 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (IA)

My mortgage company is PHH mortgage there address is XXXX XXXX XXXX XXXX, NJ,XXXX.My payment have went through my bank and cleared yet they have no record of this for my XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and show no payment for XX/XX/XXXX. Now they want to foreclose on my home I have sent proof of checks.
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (LA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cherry Creek Corporate, LLC (CA)

I did a refinance on my home through XXXX mortgage which is cherry creek mortgage, all went went I made my first payment to them and immediately after that they sold my mortgage to XXXX bank, it has been over 70 days since payment was made and cherry creek will not transfer payment to new servicer, I have called about 5 times and sent several emails and in every attempt the answer was we are sending payment today and never did, I am reaching out to solve this issue
Consumer complaint received 2021-12-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2018-03-28
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. (MN)

I am a victim of identity theft. The following credit hard inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, I never applied for credit with the above creditors. The credit hard inquiries are all fraudulent and unauthorized.
Consumer complaint received 2021-12-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I had opened my new account at Citibank on XX/XX/2021 @ XXXX AM CST and made the required deposits. I then started to move my money over from XXXX XXXX to start the transition to Citibank. The following day XX/XX/2021 or so I needed access to my funds to get food for my children and was greeted with a message that my account had been restricted for security reasons and for assistance to call and provide the error code XXXX never receiving an email in regards to this issue. When speaking to the agent and providing security information I was told that I could not be helped and needed to be transferred to another department after being on the phone for over 30 minutes. I then escalated to a manager for assistance just to be transferred to another department. When the agent picked up the line and reviewed account I was told that she could not assist me and that I needed to dial another number and press options 2 then 5. After spending over a day to get in touch with a department that was supposed to be able to resolve the issue I was told yet again that there is nothing they can do and I have to wait for 1 to 2 hours to receive a callback. No phone call received and I call again on Monday XX/XX/2021 @ XXXX AM CST spending yet another pointless 33 minutes on the phone I still not get the help that I should be getting. This bank should not be in business if this is how they are going to treat their customers. All I want to do at this point is put it on record how I have been treated with Citibank and I want my account closed and money refunded back to me.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America # XXXX is reporting inaccurately on my credit report. This was included in my bankruptcy and should not be on there as an active collection. Not to mention the last activity on said account was back in 2012 putting it past the statute.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FirstPoint Collection Resources (LA)

First Point Collection Resources is a third party company and trying to collect funds on a account that was not with this company I ask for a debt verification and they cant get me that information this company reporting on my credit report and the fair credit act gives me the right to request it
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (DC)

Hello my credit card was stolen in XXXX XXXX and M & t will not reimburse me for charges. I have filed police report, also was not in XXXX XXXX at the time of the charges and have documents to support these claims. I will attach documents It is over XXXX in charges .I have been a customer with XXXX for 22 years - I was not aware the card was stolen at the time of charges XXXX 2021. I was not on the Island when these charges occurred and we clearly fraud.