davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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: Resurgent Capital Services L.P. (FL)

Complaint against LVNV Funding LLC for their blatant violation of the Fair Credit Reporting Act ( FCRA ), as evidenced by their inaccurate and incomplete reporting on my credit report. This violation has caused significant harm to my financial well-being and has infringed upon my rights as a consumer. 

Upon reviewing my credit report, I have discovered numerous discrepancies and inaccuracies within the information provided by LVNV Funding LLC. Moreover, the information differs and is incomplete across the three major credit reporting agenciesXXXX, XXXX, and XXXX. Despite my efforts to rectify these errors by sending dispute letters to both LVNV Funding LLC and the credit reporting agencies, I have yet to receive a satisfactory response from LVNV Funding LLC. Meanwhile, they have updated and verified the inaccurate information with the credit agencies, further exacerbating the damage to my credit profile. 

The violations committed by LVNV Funding LLC include, but are not limited to : Inconsistent Date of Last Payment : LVNV Funding LLC has inconsistently reported the date of the last payment, which has the effect of illegally re-aging the account and misleading potential creditors about the actual status of the debt. 

Misreported Date Accounts Opened : LVNV Funding LLC has inaccurately reported the date accounts were opened, which again constitutes re-aging the account and violates the provisions of the FCRA. 

Incorrect Account Status : LVNV Funding LLC has falsely reported accounts as open when they are, in fact, in collections. This misrepresentation of the account status is a violation of the FCRA and has a detrimental impact on my creditworthiness. 

Incorrect Payment History Reporting : Collections accounts should not report a payment history, yet LVNV Funding LLC has inaccurately reported payment history information on these accounts, further damaging my credit report. 

Additionally, LVNV Funding LLC has included three false derogatory accounts on my Equifax credit profile, further impacting my creditworthiness and violating my consumer rights. 


Furthermore, LVNV Funding LLC has failed to provide me with a written response detailing the methods used to verify the disputed information, as required by the FCRA. This lack of response demonstrates their disregard for consumer rights and their obligations under federal law. 

The FCRA mandates that consumer reporting agencies and furnishers of information, such as LVNV Funding LLC, ensure the accuracy and completeness of the information they report. By failing to adhere to these requirements, LVNV Funding LLC has violated the following sections of the FCRA : Section 623 : Responsibilities of furnishers of information to consumer reporting agencies. 
Section 616 : Civil liability for willful noncompliance. 
Section 617 : Civil liability for negligent noncompliance.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3600.00} XX/XX/2023 15 U.S.C , 1681section 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-12
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: All State Credit Bureau, Inc. (CA)

On XX/XX/XXXX, Allstate Credit Bureau added a derogatory mark on my credit reports per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection as requested on XX/XX/XXXX XXXX attached ). Also there was no written form of communication, contract or signature for this accused debt at all. A copy of a bill without a signed signature does not validate the debt, anyone can make a copy and send a bill claiming it's mine. According to FCRA, Allstate Credit Bureau, had violated my rights as a consumer and I'm requesting legal action to remove this account from all three bureaus immediately.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2024 I logged into my capital one accounts. I have 3 of them they were all closed. I called was told due to unusual activity. I asked what activity he could not tell me. I pay my card every time on time never late. There was no reason to close all 3 cards. Then I log into Experience credit says odds are good for capital one. I apply for Quick Sliver got approved with a virtual card. So Capital One approve me. This makes no sense. How can they close 3 accounts down. But approve you for a new one. This has hurt my credit score. This is not right when you have paid every time on time. And I was a victim of identity theft. I did the identity theft report and police report. I also had my cards set up to alert me. I did everything I could to protect my card. I am not sure if that is why the cards were closed. They dont say. I feel they have hurt my credit with all these accounts they closed and no explanation. But approve you for a new card with a fee now makes no sense.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

my mother past away several months ago and her apartment was willed to me. After numerous attempts to resolve the transfer of mortgage to my name and a complaint being filed with this bureau. Bank of america had not reached out to me to state that the problem was resolved. I submitted the paperwork that XXXX XXXX told me to submit. After numerous attempts to contact Ms XXXX to see if paperwork was submitted properly I received no call back or any written corespondence. I was advised I had 60 days to submit the paperwork.After staying on hold for hours in order to reach someone at Bank of America no one was able to help me. Ms XXXX was left several voice mail that she never responded to.I am seeking to finally resolve this issue to have the mortgage transferred to my name which is legal right.
Consumer complaint received 2020-10-12
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. (NY)

I initially contacted the credit bureau by mail XX/XX/20 to inform them that there were inquiries on my credit report that did not belong. I have not received any information as to why they are still reporting but I am being negatively impacted by these inquiries. I have sent another letter to the bureaus on XX/XX/20 to dispute these inquires again to have them removed.
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (FL)

I received conditional approval from XXXX XXXX ( Builder ) to build a new home several months ago for a certain loan amount ( XXXX XXXX ) based on a variety of factors, most of which are variable including the down payment and interest rate just to name a few. Long story short, I put down a good faith deposit of XXXX XXXX  and provided the builder with documentation that I divorced and will now be responsible for child support of {$1000.00} per month. The builder failed to take this into account and re-calculate to see if I still qualify for the loan. XXXX ahead several more months in XX/XX/XXXX where I then went to the design center to select options for the home. These selections then increased the total price of the home to XXXX XXXX without taking into consideration other monthly fees associated with the home such as insurance, PMI, CDD fees, HOA, etc. XXXX XXXX again failed to re-calculate the adjusted loan amount to see if again, I would still qualify for this loan. A month or more goes by and I inquire with the finance specialist who I've been working with them to see if the calculations have been made to which she says know and hasn't received the design center spend amount. The finance person and I spoke on the phone and discussed that I obviously could no longer afford this home based on the updated numbers and current interest rates. She suggested that I speak to the sales person to see if they can ask management what my options would be at this point. Two weeks go by and I finally heard back from the sales person stating management would allow me to purchase a lower priced home, but would not return my XXXX XXXX deposit even though I clearly could not qualify. I spoke with the finance person ago over the last few days where she requested more pay documentation from me, inclusive of my last pay stub from XXXX and my last 2 pay stubs. On XX/XX/XXXX, she sends me an email stating they have re-calculated everything and I'm now approved for this loan and send me the new calculations. The new monthly loan amount is {$6000.00} with taxes and all fees included based on an interest rate of 6.375 %. My take home pay is ~ {$7400.00} per month. The loan amount ( {$6000.00} ) + my monthly child support payment ( {$1000.00} per month ) totals to ~ {$7000.00}, leaving me with about {$300.00} for other bills. I have a monthly car payment of {$600.00} and an individual loan with a monthly payment of ~ {$740.00}, both of which they're aware of much less all of the other normal bills a person would have including electric bill, food, etc. I clearly do not qualify for this home purchase, but it appears XXXX XXXX is trying to force a loan approval when the consumer can not afford it. They refuse to return my XXXX XXXX deposit and are trying to either a ) push me to cancel the agreement and keep my XXXX XXXX deposit or b ) are trying to force a sale when the buyer does not have the means to pay for such a loan. Please help!
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

On or about XX/XX/XXXX I filed a complaint against Amex for fraudulent hidden fees in connection with a 'Rewards Card '' issued by AMEX on behalf of XXXX . 

Without getting into the specifics of my original complaint, Amex agreed with CFPB to reverse the charges in the amount of {$13.00}. 

AMEX NEVER CORRESPONDED WITH ME TO ADVISE OF THEIR DECISION TO DO SO EVEN THOUGH, I NOW FIND THAT AMEX SENT AN ELECTRONIC FACSIMILE OF A LETTER ADDRESSED TO ME TO THE CFPB. 

I was unaware of the AMEX letter until just recently. I now have it. 

I went to use the card today, only to find that they have once again started the assess monthly fees. Fees were assessed on XX/XX/XXXX and XX/XX/XXXX beginning only days after they advised CFPB that they were reversing the charged. 

The letter says " we recommend using the balance of the card '' but fails to say that fees would be assessed even BEFORE I WAS AWARE OF THE FEE REVESAL Had American Express sent the letter to me in the mail for the price of a stamp, I would know that AMEX had taken action. 

Had American Express said in their XX/XX/XXXX letter ( which I now have from CFPB ) that fees would commence again in ONE WEEK, I would have immediately used the card It is apparent, from their lack of direct correspondence with me, that their end game was to just continue to assess fees of {$2.00} a month and once again XXXX out the balance and pocket the money. 

How dishonest can one company be?

To tell the CFPB ( not me ) that they were providing compensation, and then start, within seven ( 7 ) days of their notice, assessing fees once again. 

This is unconscionable and ought to be punished as a matter of law.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

I am trying to do several things, but online chat can't help, no online message center, and calling Citi billing XXXX when I don't know my old credit card number leads to Citi automatically hanging up on me. 

I replaced my old Citi card XXXX with a new one XXXX. I need information about recent purchases on the old XXXX card. Citi does not provide that information in a pdf format and I can't access the XXXX or XXXX formats on my computer. 

I want to : - pdf file of everything on my old XXXX card, so I can see why I owe XXXX - re-dispute the XXXX charge from XXXX. This dispute was resolved in XXXX 's favor - this is WRONG. 
- Was there a recent charge of XXXX, and if so, was the entire XXXX reversed, or was XXXX of it reversed?
Consumer complaint received 2018-09-20
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: EQUIFAX, INC. (GA)

I called into the agency to dispute fraudulent inquires on my report. My purse was lost with my information inside and I made a police report and sent it into Equifax along with the other 2 credit agencies. I got a notification from XXXX that my information as listed on the black market this morning XX/XX/XXXX. 

I called equifax and they said they can not dispute the inquires even after me providing my police report. This is against the law. 

I contacted each company, who conducted the inquiry and asked them to remove their credit inquiries from my credit profile. They have no information for me and have no records of these inquiries. 

I have attached my police report as well. Please remove the unauthorized inquires XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Dba XXXX   Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

To Whom This May Concern : On XX/XX/XXXX I pulled my credit report on XXXX XXXX and noticed that there was an account for XXXX XXXX  that did not belong to me. I disputed this account with both the collection agency and Equifax, and subsequently it was removed. Proof of its removal is on the attached credit report from XX/XX/XXXX ; there are no collection accounts listed on my report. Upon pulling my report again on XX/XX/XXXX I noticed that this same account was reinserted into my credit report. FCRA requires that the CRA sends written notice of the reinsertion of an item within 5 days, and this was not done. Furthermore, I'm concerned as to how this company was able to reinsert this item into my credit report after previously deleting it after determining that this account does not belong to me.
Consumer complaint received 2023-01-31
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 XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B- A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (KY)

I have a collection from the Enhanced Recovery Corp with XXXX XXXX XXXX. I have paid the debt to {$0.00} balance and it is marked as closed but I was told it would be removed from my credit report. Thank you for the awesome work you all do!
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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

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 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-12
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: EQUIFAX, INC. (VA)

I have order my new credit report from equifax and i have came across some inquires that i have not approve any one to run my credit, also i have contacted equifax about this matter and i have got no answer from them, i have mail out a FTC police report on this matter and still no answer and i have been doing my resreach because iam in the process on rebuilding my credit that when i send a FTC report in to equifax they to follow the rules and they have not here are all the inquires capital on date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX these are all the inquires i have no idea why they are on my credit report and dont forget i mail my FTC police report to u all and u all still havent remove nothing u all are breaking the law plz fix this matter ASAP
Consumer complaint received 2022-08-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 623 ( a ) ( 5 )
Consumer complaint received 2019-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

I sent in an application to Flagstar Bank to establish an escrow account, they sent me an approval letter stating that I needed to send them a check or money order for {$4200.00} and sign the two included documents and as long as I had them sent before XX/XX/XXXX, my new monthly payment would be {$1400.00}. 

I sent them the check and the signed documents on XX/XX/XXXX. The {$4200.00} was taken out of my account XX/XX/XXXX. When I went to check my account today ( XX/XX/XXXX ) to make sure the new amount of {$1400.00} was taken out I saw that they were still taking out the previous amount ( XXXX ) which is only my mortgage and not my property tax. 

Furthermore, the same amount of {$950.00} is due to be billed at the beginning of XXXX as well meaning they have not set up my escrow account even though they took my {$4200.00}. 

When I called them to confirm that they did indeed receive my check and signed documents the woman I spoke to said that, yes they got my check/documents, but she needed to send a request to the escrow department which would reply in 3-5 business days to make sure they actually did set up my account. 

When I asked how I was supposed to proceed from there regarding payments since there is about {$400.00} that needs to be accounted for she had no answers an just said we needed to wait to hear from their Escrow department. 

It should not be taking this long to sent up an escrow account, especially considering they already had the time to cash my check - they should have had the time to set up my account as well.