davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (OH)

I have received various and multiple collection attempts from LVNV funding originating as a civil complaint filed in the XXXX  Municipal Court ( Case XXXX ) on XX/XX/XXXX. 

The creditor violated my rights under the Fair Debt Collections Practices Act ( FDCPA ) by failing to send me a notification of debt prior to the civil filing and furthermore failed to comply with a validation of debt request as stated in my Answer and Subsequent Motion to Dismiss filing with the court. The case was dismissed at the request of the attorney representing LVNV Funding, XXXX XXXX XXXX on XX/XX/XXXX. 

My request for validation of debt was sent to LVNV Funding XX/XX/XXXX in conjunction with a cease and desist of communications the same day I filed an Answer with the court in accordance with my right under the FDCPA. Verified XXXX delivery on XX/XX/XXXX. 

LVNV Funding failed to supply a validation of debt or ask for additional time within the confines of the FDCPA and should have, by law, expunged the debt from all credit bureaus. 

On XX/XX/XXXX I received an email from a XXXX XXXX from XXXX attempting to collect on a debt on behalf of LVNV Funding. XXXX XXXX XXXX either sold this account to XXXX XXXX or LVNV Funding may have churned this account to a different agency. In either case I had documented verification that LVNV Funding received my request for a cessation in communications. I consider XXXX 's emails a violation of that request and in violation of my rights under the FDCPA. 

On XX/XX/XXXX I sent a similar cease communications request to XXXX. This is the second such request I had made and consider the original failure of validation on LVNV Funding 's behalf to obligate them to expunge this record from all credit bureaus. 

Om XX/XX/XXXX I received a letter from Resurgent Capital Solutions attempting to collect on the same account as the previous 2 companies did. 
Once more violating my rights under the FDCPA.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to you with the purpose of explaining the request for dispute for the charge of {$790.00} from XXXX on XXXX of this year. 
I originally signed up for a promotional offer of one month free towards the end of XX/XX/2018 in which they promised me a 40 % share of voice advertising on zip code XXXX, then, by XXXX the calls stopped coming in, when I called them they explained that other realtors bought in the zip code and now my percentage had dropped to 18 % when they had promised that the zip code was locked in and that nobody else would be able to buy in, I immediately requested cancellation of the service and asked that they dont charge my card because this was bait and switch which is an illegal practice in the United States, however, they never acknowledged or accepted my cancellation and said that a my representative XXXX XXXX would call me back, he never did and they charged my card without my permission. I continued to call and write emails requesting immediate cancellation and left several voicemails, and XXXX never acknowledged or accepted my cancellation. In view of my endless efforts I contacted Capital One to request a dispute of the charge, after six months of sending supporting documents to my credit card, they denied my request. 
I humbly ask that you review these facts and help me with this situation. Please feel free to call me anytime if you need anything further. 
Kindly, XXXX XXXX XXXX.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (RI)

My personal data was breached by Equifax. They put a freeze on my credit report. In order to lift the freeze they require me to send my SS card and DL. 

I have requested a copy of my report. 
I would like to set up a fraud alert. 
I am very upset. 

Thank you.
Consumer complaint received 2022-12-14
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. (IL)

Notice to agent is noticed the principal notice the principal is notice to agent. 
I just received my reinvestigation back from TransUnion LLC. ld 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 date of last payment is NOT 100 % accurate. 
Account name : 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 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 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 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 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 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 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 XXXXXXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX 15 Usc 1691 15USC 1692 15USC 1681 ( m ) .1 They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( AXi ). 
I attached a consumer report as evidence.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (NH)

My loan was transferred from XXXX to Shellpoint in XX/XX/2019. XXXX immediately reported to the agencies my loan as closed/transferred XX/XX/2019. 

Currently Shellpoint is reporting to XXXX, but has not reported to XXXX. I have called Shellpoint 6-7 times, they tell me that credit reporting issues must be sent via email. I have sent 4 emails to Shellpoint, they have not responded once. CUstomer service is terrible.

I have called Transunion multiple times to ensure the issue isnt on their end, they confirmed nothing is coming in from Shellpoint.

My credit score is now negatively impacted and causing issues.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (MI)

Jefferson Capital continues to mail collection letters to my home for someone that does not live here, despite my repeated requests to stop. I have written, return to sender on all first class communications sent to my home, in addition to contacting them over the phone ( didnt record date because I didnt think I needed to but will do so next time for future complaints ) to advise that this person does not live here and requested for it to stop. Ive even offered an address over the phone during this conversation and the rep refused to take it ( which is weird because a third party CAN provide location information to a debt collector regarding a debtor ). They completely disregarded my request and continues to harass me and it needs to stop. Lettering is expensive so I dont even understand why they continue to waste money on letters to my home when they can easily send these letters to this persons actual home. Its almost as if they prefer to send initial debt val letters and subsequent letters to the wrong address to avoid a consumer from disputing it in a timely manner.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (CO)

XX/XX/XXXX was contacted by email that I had an outstanding account with XXXX XXXX, I have not had a XXXX XXXX account since one was closed in the XXXX. 

XX/XX/XXXX received mail with the details stating an account with XXXX XXXX was opened in XX/XX/XXXX XX/XX/XXXX spoke with XXXX XXXX and they do not have a record of the debt. Attempt to collect a fraudulent debt was from XXXX XXXX XXXX Address on mail was XXXX XXXX XXXX XXXX MI XXXX Email originated from a company claiming to be TrueAccord account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - Friday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord Corp . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

Hello. On XX/XX/XXXX - XXXX, there was several unauthorized charges from XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX. these charges are as follows {$230.00} {$70.00} {$40.00} These three are from XXXX XXXX, then the following is from XXXX XXXX : {$200.00} {$100.00} {$10.00} {$10.00} Then the XXXX transactions : {$130.00} {$95.00} These transactions are unauthorized and has caused me stress and loss of money. I just want reassurance that I am able to regain the lost funds and be able to prevent another situation from happening again. I have contacted each company, but to no avail.
Consumer complaint received 2019-11-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I had a mortgage through Ocwen and instead of having them for lose on my home before I moved out of state, I started the short sale process back in XX/XX/2018. I listed my house with a real estate company and my agent started the process of marketing my house. The mortgage company then went to inspect my house and put a lock box on my house without telling me or my real estate agent the combination. I proceeded to call numerous times to get the combination until after the 4 or 5th time was transferred to an associate who finally gave me the combination. I then gave permission numerous times for my real estate agent to speak to the bank on my behalf and was given the run around for the appropriate paperwork that needed to be filled out. My real estate agent then presented an offer to the mortgage company which they explained that all of this paperwork had to be filled out, which I filled out and my real estate agent did also. Needless to say, the mortgage company made it very difficult to present and accept this offer for someone to buy my house that they buyers changed their mind. The offer was for {$25000.00} more than an offer I have now for my house. I again had to list my house and again my mortgage company is making it very difficult to complete a very simple transaction. My mortgage has now been bought out by yet another company. I have a cash offer for my house and I just want this to be completed as soon as possible.
Consumer complaint received 2019-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I move from XXXX XXXX XXXX to XXXX, I phone XXXX   to move my service they talked me into XXXX XXXX they opened the ticket to have a tech to come and set up service a month after I moved. in the mean time what i was tols was my last bill with XXXX was paid and I waited for my serivce visit for XXXX XXXX. The tech came looked around asked me a few questions and said sorry I can't do anything there is a tree in the way the dish won't get service. So he said he canceling my service ticket and I would have to call XXXX to get my service started. I was upset about the horrible service that I received my sister in-law who lives with me called and had comcast come out and provide us with servie and we have had that service for the last 4 years. I never heard a word from XXXX XXXX until i started to build my credit so I can buy my car. Then I seen on my credit report that I have an outstanding bill for XXXX XXXX when i asked for copies of the statements or evidice of my dispute. they won't provide me with any information they just say they have proof. why should I pay for an employees mistake and not properly taking care of the close of my account or not providing me with proper information on my account. why wouldn't they follow up and see that I have never turned on a box or the fact my service request was cancelled. where is there dudligence. this not the first I have heard of the poor service by XXXX. my fiance wasn't getting service for over a year and paid her bill and XXXX didn't even bother to address her wasted money or try and offer her a discount. they brushed it under the rug and accepted no resposiblitiy just as they are once again. They need to stop outsourcing their call centers to the XXXX so that there American clients can get their issues resolved or is that part of their whole fat cat plan. cause confusion and get the consumer in the end with faulty informaition, errors, language barriers, frustration, and deniablity.
Consumer complaint received 2019-07-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: DISCOVER BANK (FL)

On XXXX of XXXX, after hurricane Irma my house suffered some damage and Discover Bank gave 6 month forbearance program to use that money and fix the house. On XX/XX/XXXX I was contacted by XXXX XXXX to start a Lost and Mitigation Application. I submitted the first application on XXXX of XXXX. I mentioned that I was able to keep my monthly payment, but I need help to distribute the missing payment. On XXXX I started my regular monthly payment after the forbearance program finished. I pay my loan for 4 month, until XXXX payment was returned to the bank. I was paying with direct deposit, because my access to online banking was denied. 
Since then I have submitted more than 10 applications and more than 2 years worth of financial records. On XX/XX/XXXX I was served with foreclosure documents, my application has been completed with the lost and mitigation department as XXXX XX/XX/XXXX. No answer from the service about the results. The amount of service fee and attorney fee exceed the $ XXXX. It is very sad. I also mentioned that I have a son with XXXX and the stress that this situation has put on myself and my family has been beyond control. I am paying my first mortgage, my taxes and insurance. They know that since the beginning.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (AL)

Friday XX/XX/XXXX they cashed an unauthorized check for XXXX. They frooze my account and have added numerous nsf fees. The check that was cashed did not have a legitimate signature on it.
Consumer complaint received 2019-07-01
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. (NC)

I have disputed this account with the credit bureaus to no avail. This account is no longer open, nor does XXXX hold this debt anymore. It was sold to a collection agency. However this account is being reported by both XXXX and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (CT)

I applied for a card with Avant in XXXX of XXXX  they approved and mailed the card - my mailing address was originally wrong as I never received the card. They have since updated my address and I still to date have not received the card I have since called every month and they reissue I never receive the card. They escalated it and still nothing not sure what more to do - I recently received an email they were going to cancel the account for inactivity. I just called again today filed a third complaint and they reissued the card again. I can not give you the card number as it not been delivered the last 4 are XXXX last 4 SS XXXX
Consumer complaint received 2020-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

LVNV funding never provided me a dunning letter. I tried several times to get them to provide proof of the debt with them and they have not been able to provide proper proof. I also recently had dispute comments removed from my credit report and LVNV funding has placed them back on there without my consent. I demand that this account be removed from my credit reports asap
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC (FL)

On Tuesday XX/XX/year>, I received a letter from the " Loan Depot '' stating that my private credit information was subject to a data breach. The four-page letter continued as to what remedies I can do to fix, repair, and protect my data. I NEVER EVER PERMITTED LOAN DEPOT TO POSSESS MY PERSONAL DATA OF ANY TYPE TO BE IN THEIR POSSESSION. The blatant admission of their possession is CRIMINAL as Loan Depot must have obtained it without my permission or consent directly or otherwise. 
As such my data being in their possession illegally is now breached and they forward letters to victims of whom will respond and will now be in their data base with consent. Such a scam! 

Problem : 1. Possession of my data without permission.

2. Improper safeguards allowing my data to be exposed to everyone. 

Logically there seems to be some back-channeling of personal data from business to business possibly buying and selling illegally of data bases of which have been stolen, sold, circulated and purchased. I do not do business with LOAN DEPOT, address on letter below, and have never provided them permission or submitted a credit application. 

Loan Depot XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-04-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FMA Alliance, Ltd. (TX)

FMA Alliance called a coworker on her personal work phone and told her to tell me to contact them. This is totally inappropriate and I have asked them to cease and desist contacting any phone number associated with myself, place of work, relatives, and friends but to no avail.
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.