davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Evergreen Recovery Solutions, LLC (TX)

When the original debt occured in XX/XX/XXXX, I closed an account with XXXX in which the balance was in dispute. I hadn't had full cell service in three months and kept calling to have the problem fixed. We lost out on a rental that we were trying to get because I didn't receive the call or the message till almost 5 days later. After I closed the account in XX/XX/XXXX ( only owed one month at that time ), as far as I knew the balance was in dispute with XXXX and would be taken care of since I wasn't able to access service on four phones. 

I received a bill in the mail the first week of XX/XX/XXXX. I called the collection agency and explained that the original debt is 5 years old and too old to be collected upon. They said they would list my account as too old to collect and remove from my credit. As of XX/XX/XXXX, they were not listed on my credit report per XXXX XXXX. We applied for a mortgage on XX/XX/XXXX and the collection agency shows up on my credit with an open date of XXXX. I called XXXX, the original debtor to try to resolve the problem and they said that I would need to work with the collection agency. I disputed the account with the Credit Bureaus and lost the dispute. The credit bureaus stated that this account is valid and will remain on the credit report. This account was posted on my credit after a police report was filed for identity theft. The police report number is XXXX XXXX.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

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 15 USC 1681.

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 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (MI)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-26
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. (TX)

I spoke with the XXXX, which said it did not hire or authorize LVNV/ResurgenXXXX XXXX XXXX XXXX XXXX XXXX on its behalf. The XXXX also said there was no purchase agreement between them. 

I am not liable for the debt for {$16000.00} ( reference # XXXX ), {$16000.00} ( reference # XXXX ) and {$7900.00} ( reference number XXXX I DO NOT HAVE A CONTRACT WITH LVNV/Resurgent/XX/XX/XXXXl ; THEY XXXX NOT PROVIDE ME WITH THE ORIGINAL CONTRACT OR PURCHASE AGREEMENT AS I REQUESTED WITH MY WET SIGNATURE AND ID VERIFICATION.
Consumer complaint received 2022-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

II first I like to explain what is going on on this Pandemic days I as independent home office working from home we need to deal with make transactions online business so I am facing dealing with people who offer services and TRUST them I have 'no choice ' and have to pay at front since they require payments at front to deliver services, to keep going our home business I sent XXXX payments via zelle thinking since zelle is bank to bank transfering money I was protected in case the people dont deliver services I paid {$2900.00} plus {$2000.00} plus {$500.00}, guess what was scam in less than a month I sent money to people i do not know or trust. also they tricked & persuaded me into sending the money, or promised that I would receive something in return that they did not provide after 3 weeks I did not receive services I paid. i file a claim with XXXX XXXXXXXX XXXX but they did not t fix the problem I am very sure more people is having my same issues I had with this people,, I wan to protect other people from been scam like me the worse think is I found out one of this person XXXX XXXX she wet to other bank open a new account and open a new Zelle account she is now using zelle again without no problem she is getting away from the situation easy way she did not provide me services she offered to me she kept the {$2900.00} she went to openened a new account with other bank she is using ZELLE WITHOUT NO PROBLEMS wow wow she get way to play with the finanancial system right>? Im here as a victim no money I have no funds to eve pay my rent because Im broke now due to this lost... total is {$5400.00} zelle coudnt get my money back I like to know the legal reason why zelle coudtn refund me my money from scammers we are dealing with a lot scammers this pandemic days please please Im asking to you to do something asap so XXXX XXXX & the others do not get away from this case, thank you in advance
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/year>, a number showed on my called ID as being from XXXX XXXX. When I answered the lady stated my name and then without any other verification proceeded to tell me that her company, which she didnt state the name of, will be taking legal action against me. I hung up and XXXX  the number because XXXX XXXX, which I am a XXXX  at, has no reason to tell me that they are pursuing legal action against me, and it stated that this number belongs to Midland Credit Management.
Consumer complaint received 2024-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc. (TX)

On XXXX XXXXXXXX at XXXX, I received an email from First Collection Services XXXX a Debt Collector. I am writing to dispute the validity of the alleged debt referenced above this company claims I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you provide validation of this debt. I demand that you cease all communication with me regarding this matter, as required by law. Furthermore, I would like to bring to your attention Section 605B of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies must block the reporting of information that results from identity theft or fraud. As such, it is imperative that you conduct a thorough investigation to ensure that this alleged debt is accurate and that it is not a result of identity theft or fraud. I have not given this company any authorization to contact me or have any of my personal ( non public ) information. Please provide the following information to validate the debt : XXXX. The original creditor 's name and contact information. XXXX. A copy of the original signed contract or agreement related to the debt. XXXX. Verification of the amount of the debt and how it was calculated. XXXX. Proof that you are licensed to collect debts in my state.
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Over 30 Days today since Ive sent documentation on XX/XX/XXXX regarding to those unknown and inaccurate accounts on my credit report but I haven't received any reply. I was a victim of XXXX  Data Breach. I want all those account will be remove to my credit report or I will file a litigation.
Consumer complaint received 2023-07-17
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. (VA)

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 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 2020-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

I share an account with my grandmother. On XX/XX/2020 my grandmother called me and stated someone called her and told her she won XXXX ' XXXX and he had a lot of her personal information. I immediately called SunTrust Fraud department and told them I felt someone was phishing and her information could be compromised. I told them I suspected potential fraud and please put an alert on the account. I told them we only bank in person and would never use electronic banking. On XX/XX/2020 Sun Trust allowed a check for {$100000.00} and {$14000.00} to be created and sent out from a an online profile that we did not create. I have hired an attorney and we were able to get {$95000.00} of the funds, but no one from the corporate level will return my calls regarding the the remainder of the funds.
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: EQUIFAX, INC. (OH)

I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of XXXX of this year showing I was LATE as I have NEVER been late. XXXX XXXX Account # XXXX Please correct XXXX payment history as it not reporting correctly. 

Please PYSICAL VERIFICATION OF LATE PAYMENTS.
Consumer complaint received 2023-04-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been dealing with this company portfolio recovery for several years disputing these accounts with all credit bureaus that they have reported errors, false incorrect balances and dates for these 3 accounts on my credit report and to immediately removed from all 3 credit bureaus for using these illegal tactics. The 3 accounts was eventually removed from my credit report but just recently one of my credit financing websites that monitors my credit sent me a alert that portfolio recovery had reopened 2 of the old accounts and added them back to my credit report and to immediately look into this because they say this is fraudulent and unusual for a closed account to be reopened. This has also damaged my credit score extremely bad causing me to also pause on purchasing my first home until i get this fixed. This situation has been extremely stressful dealing with this company.
Consumer complaint received 2022-07-17
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. (GA)

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions
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: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-07-17
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. (AZ)

Transunion stated my account was properly investigated, however, how is that possible when the following items are incorrect : In accordance with the Fair Credit Reporting Act, Transunion has violated my rights. 
15 U.S.C., 1681 Section 602 A. States I have the right to privacy.

15 U.S.C., 1681 Section 604 A. Section 2. It, also, states a consumer reporting agency can not furnish an account without written instructions. 

The following items are violations : Transunion XXXX XXXX XXXX Account #, account type, account type-detail, bureau code, account status, monthly payment, date opened, balance, no. of months, high credit, credit limit, past due, payment status, last reported comments, date last active, date of last payment Transunion XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Account #, account type, account type-detail, bureau code, account status, date opened, balance, high credit, payment status, last reported comments
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (TX)

XXXX and XXXX XXXX Account # XXXX {$260.00} I have no knowledge of the account above and currently have a fraud protection on my credit report.. I reached out to the debt collector and tried to dispute the unknown item and did not get any validation stating that I owed the account above.. I received no help item was not removed or verified
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
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: Experian Information Solutions Inc. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I called Loan Depot on XX/XX/XXXX to refinance my mortgage. I spoke to XXXX XXXX @ XXXX XXXX XXXX XXXX. He ran my credit report on XX/XX/XXXX and it was XXXX. I provided him with necessary documents in order to proceed with the loan. I also mentioned to him that I have solar panels and he said it would not be a problem. 

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX ( Production Analyst- Loan Depot ) informing me that my loan has been conditionally approved. 

On XX/XX/XXXX, I received a voicemail and a message from XXXX XXXX informing me that there is a solar lien that is tied up to the property so they can't process the refinance. She sent the file back to the loan officer XXXX XXXX. I have been trying to contact XXXX but he was not returning my calls or answering my emails and text messages. 

On XX/XX/XXXX, I called Loan Depot. Their representative was able to find XXXX XXXX ( XXXX ) who is a Production Manager and supervisor of XXXX XXXX. She sent an email to XXXX XXXX regarding my request for update on the refinance and other concerns. 

On XX/XX/XXXX, XXXX XXXX called me saying that they were unable to roll in the cost of solar panel loan into the refinancing. He added that they were unable to continue with the refinance loan as written. 

On XX/XX/XXXX, I texted XXXX XXXX to remove the hard inquiries from my credit score since they're not going to proceed with the loan.They have not done anything. He refused to remove the hard inquiries on my credit score and all he did was argue with me thru texts. 

I called XXXX on XX/XX/XXXX inquiring about their lien on my property. The representative said it is under UCC1 - Uniform Commercial Code 1 financing statement. He said the lien can be temporary lifted, just send authorization letter. Loan Depot could have just called XXXX to temporary lift the lien. But they have not done anything. I have to research this myself. I haven't heard from XXXX XXXX since XX/XX/XXXX. They don't follow up and were not competent. 

All I am requesting is for them to " remove the hard inquiries on my credit report ''. It dented my credit score. I do not know if I can refinance anymore or have a better chance of refinancing.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XXXX, 2020 I noticed the payment I made to Capital One Credit did not clear my bank. I was not charged any return fees at my bank so I do not know what caused this. I immediately called Capital One Credit. I explained this to an agent of Capital One, and voiced to them I wanted to pay by my debit card to make sure the payment was made, so my credit report would not be effected. The agent then told me to not be concerned, because of the covid-19 situation it would not reflect badly on my credit report, she said she could not access all information on my account, but would put a note in my account that I called. I again tried to pay a payment however she convinced me to not make one, saying that I could pay it next month. 
XXXX I made a payment for XXXX and XXXX payment. 
I looked at my credit report and Capital One Credit had reported me being 30 past due. This caused my credit score to fall XXXX points! I filled a complaint through XXXX XXXX to dispute the derogatory mark. About 30-40 days later it showed that this mark was acknowledged by creditor but not cleared. 
I have called Capital One Credit every month trying to clear this and everyone I have talked to ( supervisors, managers ) have told me they can do nothing, that I can only dispute this through a reporting agency. 
I feel this is unfair and underhanded to tell someone that It will not be reported as a bad mark and then turn around and do that very thing, especially with me trying my best to pay the payment at that time. 
I am in the process of refinancing my mortgage and am having difficulty due to this one discrepancy one my credit report. I have not been late on any other payments on this account. I am being penalized for something not of my doing.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

I received the marital residence in my divorce. I went to the title company to find out what had been going on with my house as the payment had went up substantially since we built it, closing in XXXX. I found out my now ex husband had refinanced our house multiple times without my knowledge. Then he started hardship letters, and loan modifications. In XXXX of XXXX he refinanced and somehow got my name off the mortgage loan. Because of this the loan servicing company wouldnt even talk to me. One modification that stood out to me the most was one done in XXXX of XXXX. The notary I knew personally. I was out of the country when the modification was signed, notarized and stamped. When I questioned the notary about it she denied doing the notary, but after turning it over to the sheriffs department when they questioned her she told them I signed in front of her. How can that be? I was in XXXX with my sister on XX/XX/XXXX. I had proof. The detective  didnt care. He said she said I signed in front of her so the investigation was at a standstill? I contacted Wells Fargo and they sent me what they had on file for my home. What they have and what XXXX county has on record do not match, and the loan modification that was signed and stamped in XXXX of XXXX, they sent me a copy of that modification. They have a different notary that signed and stamped then what is on file. Not only a different notary, but they show the notary signing on XX/XX/XXXX, and we supposedly signed the papers on XX/XX/XXXX. What happened to XX/XX/XXXX? And how can a notary sign and stamp papers that we didnt even sign until XX/XX/XXXX? I did not sign any papers! Now I am fighting to keep my home because of illegal actions of others. I had a mortgage on my home. Now Im not even on the loan? And my now ex took so much money from our house without any consequences? I am confused as to how nobody noticed any of this, and I want justice.