davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

Hello, I sent LVNV a letter certified stating I needed a validation of the debt that they claimed I owed them. They claimed that I owed them money through the original creditor of XXXX  XXXX XXXX. LVNV funding has been reporting that the account in question is a open account. They have failed to provide me with a list of items that I requested they send back to me : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor Prove the statue of limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service Please help me resolve this matter as it hurting my credit score
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (MN)

I am a customer of U.S Bank I recently gained a substantial amount of money from trading stocks on XXXX after I made some winnings I transferred XXXX back to my U.S bank account on XX/XX/2021. I noticed a few days later that my XXXX account was warning me that my password was leaked. I then went on to my U.S Bank account and saw the same notification and when I looked at my balance all my money had been taken, I then went to my settings and got a notification that all my bank passwords had been stolen and that my accounts where involved in a data leak. I reported to XXXX and told them I have proof of a data leak and when I explained the situation to them they helped me get all my money back I also contacted U.S Bank i tryd explaining to them but they didnt seem to care to much about the details they give me provisional credit in the same amount that I had lost but I asked myself shouldnt they be concerned about why this was happening but they just shrugged me off as if I was a pest as if they just wanted to end the phone call, by the time I got the credit it was soon taken again leaving me with a bill of over XXXX XXXX dollars. They denied my claims and said I was irresponsible with my passwords even though I have evidence that there was a data leak on there end I should not be held responsible for there poor security system. Ive been getting harassed by U.S Bank constantly by there employees with harsh language and terms like nobodys going to believe someone like you I asked what that meant but they declined to answer, the worker continued to verbally attack me by saying you owe this and you have no choice but to pay without listening to a single thing I had to say. I just feel like this company is really abusive to there customers and they need to be held responsible. I would never be treated this way if my name was American or if my skin wasnt XXXX this has been one of the worst experiences of my life, I had no issues getting help from XXXX because they respect there customers enough not to harass and assume certain people are at fault because they look a certain way I love XXXX and how they treat everyone with dignity, I will inform all my friends and family about the way Im being treated by US Bank if this disrespect continues US Bank is a organization that has no respect for its customers especially if they are XXXX!!!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-07-02
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. (PA)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-07-01
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. (MS)

I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ATTORNEYS FOR PLAINTIFF XXXX XXXX, XXXX. 
STATE BAR NUMBER : XXXX The above mentioned law firm filed for final judgement XX/XX/2021 during the the mortgage foreclosure moratorium which is still in effect. 

We are currently residing in our property, and dealing with ongoing effects of the COVID-19 pandemic.
Consumer complaint received 2021-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I am writing this due to non-compliance with the XXXX XXXX and Equifax They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law by failing to maintain the accuracy of my personal information. 

I have made several attempts at correcting this matter. They have ignored my request to investigate.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (MS)

I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

After a reinvestigation I was looking over my report and I noticed this accounts listed below is not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

This account was charged off on the following date : XX/XX/year> since then, the account has repeatedly been updated as charged off every month since XX/XX/year>. This is an update in the payment history. A charged off account should not include an active payment history. since then the account has repeatedly been updated as charged off every month. This is an update in the payment history a charged off account should not include an active payment history this inaccurate information falsely manipulates the statue of limitations you failed to investigate this account properly after I asked you to do it twice and your neglect has violated my rights. I am demanding a deletion of the following account The dates last active are inconsistent across all XXXX credit bureaus. 

XXXX XXXX  XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. The dates last active are inconsistent across all 3 credit bureaus. - Delete Account Immediately for violation of 15 USC 1681e ( b )
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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.
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted Transunion numerous times about removing the fraudulent accounts and inquiries on my credit report. At this point they are acting willfully and negligently and violating my right to privacy as well. I did not give my written consent to furnish the accounts nor inquiries mentioned below pursuant to 15 USC 1681b. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

An escrow refund check was issued to me on XXXX and sent to an old address. I did not receive that check in a timely manner. Once I received the refund check, it was void because it had been more than 90 days since it was issued. I called Dovenmuehle mortgage on XX/XX/2021 to let them know that I needed the check reissued. They took down the information, including the correct mailing address and told me that a request for the check to be reissued was submitted and that it would take 30 days to receive. On XX/XX/2021 I called back letting them know I hadn't received the reissued check. They said the check was still in process and it could take 30-60 days total and to keep waiting. I called back on XX/XX/2021 to inquire about the check and was told that it still hadn't been reissued and that the manager would escalate the issue, email the escrow department directly and get back to me within 5 days. This did not happen. I called again on XX/XX/2021 and continue to receive conflicting or incomplete information regarding the funds owed to me. The latest I'm being told by them is that the funds have been sent to the state as unclaimed property. I've contacted the state controllers office and confirmed with them that is not the case and they do no have any unclaimed funds in my name. Dovenmuehle mortgage company is unable to provide me proof of delivery to the state as required by law and continues to give me the runaround. I've invested a lot of time and energy in an attempt to be paid the money owed to me and they are now either unwilling or unable to provide that service of locating and returning that money to me and keep referring me to the state. The state again has confirmed that the legal process would be for the company to hold the property for 3 years in an attempt to contact me for delivery before sending it to the state.
Consumer complaint received 2022-03-21
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)

XX/XX/2022 RE : FRAUD DEPT/ Identify Theft Update Credit files To : The Consumer Fraud Complaint Dept .

I have contacted Experian, XXXX, XXXX, XXXX, XXXX, and XXXX company several times regarding these unauthorized fraudulent identity theft accounts on my credit files. I have submitted several complaints about identity theft and have issued proof of identity to these companies including : federal commission trade report police report, Passport utility bills, A signed Rental Lease Agreement The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX Date : XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$30000.00} XXXX Finance # XXXX Date : XXXX Amount : {$1700.00} XXXX XXXX XXXX 
# XXXX Date : XXXX Amount : {$240.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$430.00} XXXX # XXXX Date : XXXX Amount : {$440.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$530.00} XXXX XXXX # XXXX Date : XXXX Amount : {$19000.00} XXXX # XXXX Date : XXXX Amount : {$17000.00} I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX Sheriff Department, and Federal Commissions Trade Report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I feel that this accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall this account. I need this problem fixed ASAP! I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. 
I am very stressed about this and it effects me daily. PLEASE HELP ME AND DELETE THE FOLLOWING ACCOUNT FROM MY REPORT XXXXXXXX XXXX XXXX - ACCOUNT # XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has come to our attention that XXXXXXXX XXXX XXXXXXXX XXXX XXXX has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

Long story short : My sister initially opened an account for me at Navy Federal XX/XX/XXXX. I was told told that the teller that my sister can depsit my check into her account and she can send it to my account because they said my REAL ID from the USVI was not good enough and that I needed a FL ID. I got my FL ID then they needed to verify my social. I verified my social over 9 times ( SSA-89 form ) and Navy Federal still refuse to give me my deposited stimulus check after they closed my account in XX/XX/XXXX for whatever reason. They told me to come in person to get my money to no avail even after the manager told me that everything will be fixed that time. He even called me to come back to the bank to sign another paper that he forgot to give me to still no success there. I spoke to customer service several times and no help there. I even called the social security administration and they said my file is not flagged and there are no issues and still I'm not able to even get answers as to why I am having such a hard time REopening my account and getting my money back. I am not sure if when my sister opened the account she made an error with my social ( this is my only guess left ) but they would not tell me anything. My name is unique and they can still verify my Identity so why won't they release my funds. Lastly, my account is closed and I unable to access my money, but I still get my bank statements!
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (IA)

I called destiny and made a payment for {$260.00} and closed my account. I received a confirmation email. I woke up this morning to see the payment was processed XXXX!! The representative said its my fault and I could possibly get the money back if they approved it. Ive had both but issues with this company. I have a son who has a XXXXXXXX XXXX XXXX XXXX XXXX and Im financially struggling.
Consumer complaint received 2022-06-30
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. (FL)

My Equifax Credit report contains an unauthorized inquiry from XXXXXXXX XXXX XXXX  DATED XX/XX/2022. I have been a victim of Identity theft, this has been reported to equifax and this needs to be taken off my credit report. I have called Equifax to dispute this and i am also reaching out to the consumer financial bureau.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX account # XXXX and account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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