davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IA)

PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX XXXX XXXX XXXX Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I opened Citibank account in XXXX  and successfully use it for long time. On XXXX XXXX, I received an email from Citibank that my account will be closed within 60 days. The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I contacted Citi twice on XX/XX/XXXX and XX/XX/XXXX, both Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get the remaining funds back, they said I will be receiving a mail with detailed statement and a check of the remaining balance, which is around {$19000.00}. 
But after patiently waited for 3 months, I still have not received anything from Citibank as of XX/XX/XXXX, so I called them again and only been told that after a further review, they were able to confirm a {$15000.00} refund check will be mailed to me under separate cover for your receipt in 7-10 business days. And release funds that have been verified as belonging to you. What it means? Money on my account not my money? Citi never ask me to prove transaction and never request any additional documents. I dont know about Citi investigation result. I know its XXXX XXXX XXXX  still hold. 
If I need to open Hold Harmless Claim in order to return the remaining balance to the original account. Again, there were no explanation from Citi representatives as to why they changed the disposition and why they can`t return the remaining funds directly to me. 
In the following days, I made numerous calls to Citibank again, but I ' ve faced resistance and indifference. And nobody from Citibank Deposit Risk team care to provide adequate information as to why a hold harmless claim is needed for me to get my own money back from a closed account, and nobody from Citi is willing to work with sort this out. The Citibank agents I talked to either find excuses to disconnect me or tried to transfer me somewhere else nobody understands what I was talking about and then transferred me again. Its been a nightmare dealing with Citibank customer service. As a consumer, Ive diligently pursued all avenues to rectify this situation. I had waited more than 80 days and spent tons of hours working with Citibank trying to get my money back, but ended up being put into a hopeless position as where I am now. Its ridiculous and beyond frustration. 
When I called Citi and asked them is this the reason they closed my account, they said no, yet can not provide more info. 

However, lack of cooperation from Citi and their unwillingness to even request proof from me or other party is a complete disregard for customer service. 

I ask that you provide me with the results of the investigation and return my rightfully owned money. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Cell XXXX XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ;
Consumer complaint received 2021-02-18
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2020-04-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (FL)

In relation to Hurricane Irma, the federal government decreed relief for the families who were victims of Hurricane Irma, which said that the months of XXXX, XXXX and XX/XX/XXXX would not be reported to the credit bureau agencies, so they would be protected. However, the Quicken Loans company made these three payments late, circumventing the presidential decree for a state of emergency by Hurricane Irma. In  XX/XX/XXXX we were eligible for the fourbance program by making a minimum payment and the minimum payments were made correctly. However, the company Quicken Loans reported late payments to federal credit bureau agencies.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

They refuse to open up My business account bc they were not trained to look for certain documents that I used at XXXX, XXXX, XXXX, and XXXX They told me But I didnt have the right documentation that the 5 biggest banks let me use to open a business account. 
I XXXX year business owner it has been opening up business accounts since 2001 with some green peas that dont even know what a documentation looks like and they had the audacity to kick me out of their bank because I told them that they werent knowledgeable in their profession.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/XXXX, I called Kohl 's Credit Card Co. because I didn't receive my bill. I told them I had been ill and was not able to call sooner. I was told they would waive the late fee. The following month I received my statement with the late fee charge, I called and explained waive of late fee in XX/XX/XXXX, but was told I was required to pay it in order to be removed. I explained I had a tight budget because of medical bills and was told i had I believe 10 days to pay it or it would be added again. I paid that fee in a few days to avoid that additional charge. In XX/XX/XXXX, I received my statement and there was a late fee again. I called and once again I was told I had to pay it, to not get another one. I explained I had paid XX/XX/XXXX 's before time allowed but it came upon deaf ears. I called XXXX explaining problem and was told to file a complaint. I did and it was forwarded to the XXXX in the area of the credit card company. I received an email 30 days later from a Kohl 's representative who didn't even address the issue, or even seemed to care about their errors and instead told me I did have to pay. I was allowed to accept or reject this response. I rejected and soon after submitting it, I received an email from XXXX saying the case was considered closed.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

I filed a complaint for a card that was opened fraudulently from XXXX. I provided the company with all the information supporting the fraudulent charges and opening of the account. 
I closed the account and after the investigations teamed reviewed it they marked the card valid. 
This is wrong and I would like to dispute this decision.
Consumer complaint received 2019-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2019 at XXXX XXXX I purchased three baseball tickets for {$180.00} using Zelle thinking there was some sort of protection for the purchase. Ultimately I was being scammed and there was no recourse available to prevent other consumers from being scammed. Zelle does not even provide an opportunity for the consumer to report fraudulent activity that their service is helping perpetuate. Their automated system hangs up on callers that were not using the app for their service. Even if I was unable to get my money back I wan na do prevent the same fate befalling others. It does not make sense for there not to be a system in place to report fraudulent activity occurring using their service. If an account is flagged they should freeze the account until it can be determined that the person is not performing criminal activities. My XXXX  XXXX directed me to contact zelle claiming an inability to do anything. Both companies claim that they are unable to act anf equate the transaction to cash. The problem becomes that you can report cash thefts to the authorities whereas XXXX and zelle claim to not be the authorities.
Consumer complaint received 2019-07-25
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: Experian Information Solutions Inc. (MA)

CREDITOR CONTACT INFORMATION : NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX This account has been closed with the state of New York for several years. The account was finalized in the state of New Hampshire. The account starts XXXX XXXX. However, the state of New York has a standing policy that all paid child support matters bring an automatic deletion on credit bureaus. Accordingly, this account has no standing on my credit report, and it was not even on my credit bureau until XXXX 2018, when it mysteriously appeared on my credit bureau. Now after extensive research I have proved that there was no collection action in the state of New York. Accordingly, this negative item appearing on my Experian report is erroneous and should be deleted permanently. '' DELETE THIS ITEM PERMANENTLY!!!
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, 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)

On XX/XX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX  that was advertised as a free soft check. I was alerted immediately that a hard check went through on XXXX. I spent the rest of the night being bounced around to voicemails and various companies including XXXX XXXX to report the error with no response. I found later that my Transunion report had also been hit. XXXX was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " loan officer '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from XXXX XXXX  about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! 

I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX that was advertised as a free soft check. I was alerted immediately that a hard check went through on Experian. I spent the rest of the night being bounced around to voicemails and various companies including XXXX XXXX to report the error with no response. I found later that my XXXX report had also been hit. Experian was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " XXXX XXXX '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from XXXX XXXX about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! 

I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (TX)

I divorced XXXX XXXX in XXXX. I was awarded the home located at XXXX XXXX XXXX XXXX TX XXXX. 
I filed for bancruptcy in XXXX and it was discharged in XXXX. 
I attempted to refinance my home in XXXX and was informed Citibank placed a lien against my title in XXXX for a debt owed by my ex-husband. 
For the past 4 weeks I have been attempting to have this lien removed to no avail. 
I contacted the collection agency who placed the lien on behalf of Citibank but they will no speak, negotiate with me or allow me to pay off the debt as I am not the account holder. I am unable to proceed in refinancing my mortgage and was informed this title lien will also prevent me from any legal transactions such as future sale.
Consumer complaint received 2019-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

I have been on an income based repayment plan since 2012 after my graduation. My loans were originally with XXXX XXXX then they were transferred to Fed loan. I have submitted my qualifications for working for non-for profit organizations every year. I have not missed any monthly payments at any time. 

3-4 years into my payments, I was told I did not consolidate correctly and that all of my loans that aren't " direct '' would not be forgiven. This information was not given to me initially when I consolidated my loans. I have made extra payments towards these loans ( nearly $ XXXX ). I have contacted Fed-loans to make sure this would not interfere with my normal monthly payments which I have continued. 

I have requested multiple times for an up to date manual count. I have been given different conflicting information multiple times upon these requests ( none were manual counts but estimates ). More recently I was told that only 5 of the 7 years of payments would count.

I am still working at non-profit organization but have had job offers at private organizations. I am staying at my non-profit currently in the hopes of loan forgiveness in 3 years.

Please help me get accurate information on my loans as Fedloans has told me in e-mail that they currently do not have the resources to give me this information.
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

After my accident and left XXXX my apt evicted me and said I would only owe the last three months left in lease totaling {$2700.00} and Rent Debt Collections reported inaccurately to all three credit bureaus that my balance Id {$5800.00} and thats not true
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. ()

On XX/XX/2019 my wallet was stolen out of my purse at my workplace. I didn't recognize until hours after and as soon as I saw it missing I called Chase Bank to freeze my account. Then I told them which transactions were fraudulent and reported a claim with them early the next day ( the banks were closed by the time I found my wallet missing ). It's been a week and I haven't heard about the status of the claim or the funds so I called Chase this morning. To my dismay, the representative said that my claims have been denied because the person who withdrew the money had my PIN. I am not sure how the person would've gotten my PIN but I can still prove the charges are not me. There is video surveillance of the person taking my wallet, photos of them at another store, and video of them withdrawing the money. The withdrawals totaled {$4700.00}. This person is clearly not me, but I'm finding Chase to be very difficult to work with to find another way of proving these transactions were NOT authorized by me.
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (IN)

Incorrect billing at doctor 's office in XXXX. Called office and they realized/admitted mistake over the phone ( attempting to charge for two XXXX when I only had one ). I thought it was cleared up until I started getting collections notices from AR Resources for another {$1300.00}. This is when it began to snowball, fueled primarily by AR Resources illegally re-aging my account. What's worse, at some point, they created a duplicate charge on a different date, so it looks like two charges for {$1300.00} ( currently using dates in XXXX to keep the account active ). Billing errors are bad enough -- I never owed this money to begin with -- I should not have to deal with blatant fraud from disreputable collections agencies like AR Resources. While I can not find the original bills or letter, I was able to find a letter from XXXX, proving the accounts have been illegally re-aged. AR Resources is known for their illegal collections activities. This copy-pasted from a law-firm that deals with them frequently : " As of XX/XX/XXXX, the XXXX has closed 125 complaints against AR Resources in the past 3 years, with 42 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections, although 11 complaints also cited problems with customer service. Since XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has closed 184 complaints involving ARR. Justia lists at least 6 cases of civil litigation involving ARR. ''