davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

LVNV has been harrassing me thru emails, calls, texts and letters thru the mail 15 USC 1692. I have asked them to show a contract showing I did business with them and they were unable to provide any contract of any debt and has been contacting me relentlessly 15 USC 1692 b ( 2 ) ( 3 ) ( 4 ) ( 5 ). They will not stop harrasing me, I spoke to a lady over the phone and she said they will stop the harassment bt they never did 15 USC 1692 ( d ) ( 5 ). They are slandering my credit with false information and is crippling me from other credit that I could really use now15 USC 1692 ( g ). 15 USC 6802 ( b ) ( 1 ), 15 USC 1692 ( k ), 15 USC 1681 ( c ) ( 2 ) I never gave these people permission to contact me and harass me or slander my credit.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MoneyLion Inc. (FL)

I opened a loan that was supposed to help repair my credit. It was a {$1000.00} loan but they gave me {$250.00} up front and then i was to pay XXXX every two weeks to a credit reserve. Once i paid the {$1000.00} i should be able to withdraw the funds. I paid back {$310.00} over the first 12 weeks and then asked to close the loan since i repaid the {$250.00} they gave me plus interest. On multiple times they refused to close the loan. They are charging me interest on money i do not have and they did not give me. The only interest i should be paying is the interest on the actual funs they gave me which was {$250.00}. They refuse to close the account and tell me we can close it in 3 days and then 3 days comes they have closed the accoutn and instead keep asking me to pay more money. It never ends.
Consumer complaint received 2022-07-13
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. (VA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$120.00}
Consumer complaint received 2022-09-12
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (GA)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2023-02-15
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. (CA)

I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX , PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (GA)

Upon Reviewing XXXX XXXX I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. Due to this apparent oversight, I insist on the immediate removal or " XXXX '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. I appreciate your prompt attention to this crucial matter.
Consumer complaint received 2024-09-03
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. (AL)

XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$490.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$830.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$460.00}, XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$130.00}. I HAVE NO CONTRACTS WITH THESE COMPANIES AND THEY HAVE AFFECTED MY CREDIT SEVERELY. I WOULD LIKE THEM REMOVED IMMEDIATELY.
Consumer complaint received 2022-10-23
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. (MD)

Equifax continues to have a fraudulent business account from XXXX XXXX XXXX  on my personal credit profile. I have tried to have them correct it, but they refused to remove it without a valid explanation. 

Equifax also have a wrong address on my credit report. They Also have not corrected that error also. 

Equifax also allows companies to run my credit without proper authorization, and also refuses to removed them. They are the ones also responsible for the breach of my credit from years ago and no resolution have been made to me.
Consumer complaint received 2022-12-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

My father had passed away on XXXX XXXX, XXXX. The payments to his house were not being paid because of probate and the house went into foreclosure. I had been living in the house since XXXX. In XXXX I tried to get the mortgage into my name but was denied for not enough credit. My dad told my uncle to pay the house off through his medical settlement but my uncle never paid it. Instead he " accidentally '' paid off my dad 's ex-wifes ' car. So my dad had instructed my uncle to make the monthly payments on the house. When my dad passed in XXXX my sister and I had to go through probate. She didn't want the house so it went to me. However I was not able to mortgage the loan in my name because my dad 's ex-wifes ' name was still on the loan. My dad did try to get her name off during the divorce which was in the divorce settlement but for some reason she remained on the loan. When I contacted the mortgage company in XXXX to switch over ownership and do a home modification in my name after the probate I was told that they could not do that until my dad 's ex-wife was off the loan. However they did do the loan modification in mine and my dad 's ex-wifes ' name. Without her signature. I had no idea where she was so I searched for her and found her in XXXX a year after the modification was done. At first she was willing to sign off on the house but she never did the paperwork and claimed that she didn't know who to talk to .. She also insulted my family and in XXXX said that she was not going to sign the house over and to thank my uncle for this because he repossessed her car from her when she refused to pay him the money he paid for her car loan. She said to me " thank you for my good credit all these years ". I called the mortgage company and asked if there was any other way to put the mortgage in my name and they said not without her signing off on the house. Even though the loan modification that was done 2 years earlier had put me as a co-borrower with my signature but not her signature. I was the only one with interest in my house and could not get the loan so I decided to not pay for somebody else 's good credit. I let the payments slip. I felt like my hands were tied. I had received a notice of default in XXXX and then a notice of foreclosure intent to sell by auction on XXXX XXXX. I had contacted the mortgage company again for a home modification and they didn't even know who I was. They had taken me off as co-borrower and couldn't give me any details about my house. However I had received notice after notice to contact another company for the full amount of the house. I have all documents that may be needed to prove my case. This house was all that was left of my dad.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

My mortgage was transferred from Community Loan Servicing in XX/XX/2022 to XXXX XXXX. On my credit report, it's showing that I have XXXX loans and it's giving a balance of {$99000.00} which is affecting my credit score. Community Loan Servicing should be updated on my credit report. I've tried calling them, but I'm getting an automated system saying that they don't have a record of my account and it's not allowing me an opportunity to speak to a representative.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-12-17
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: Experian Information Solutions Inc. (AR)

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. 

XXXX account # : XXXX, XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. 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 items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has responsibility caused to believe that the information is inaccurate.
Consumer complaint received 2024-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (CA)

THIS IS ANOTHER EXAMPLE OF PONTENTIAL FRAUD : ON XX/XX/XXXX Shellpoint claims that this is the note holder as XX/XX/XXXX. is XXXX XXXX XXXXXXXX is the note holder, accoring to the documents on XX/XX/XXXX the note holder was XXXX XXXX XXXX. 

ATTACHED DOCUMENTS : Nevertheless on XX/XX/XXXX a CORPORATION ASSIGNMENT OF DEED OF TRUST was recored stading that BONY CWABS XXXX all interest was transfered from XXXX XXXX  XXXX XXXX XXXX this is fraudulent because on XX/XX/XXXX " accoring to this documents the note holder was not XXXX XXXX XXXXXXXX, the note holder was XXXX XXXX XXXXXXXX. 
These documents where TAMPERING including the dates. 
on XX/XX/XXXX another CORPORATION ASSIGNMENT OF DEED OF TRUST was recored stading that XXXX XXXX XXXXXXXX trasfered all interest to XXXX XXXX XXXX 
the fraudulent information XXXX document was fraudulent or changed to make it looked as if the document was executed on XX/XX/XXXX but it was notirized on XX/XX/XXXX. 
please find attachements for your review. 

please this is an addition to the pending complaint.
Consumer complaint received 2023-06-22
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. (CA)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX  XXXX, XXXX XXXX, XXXX OF XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2024-12-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Mortgage said I had a lapse in insurance so they made an escrow account. There was never a lapse in my coverage and they admitted it. They being the insurance department of Truist. The Escrow department also admitted they made a mistake. All my mortgage payments were going into this so called Escrow account. Being said that, they are saying ImXX/XX/XXXXXXXX  months late on mortgage payments because of this escrow account that should not be there to begin with. Ive asked for supervisor numerous times, caused loss of work because of phone calls on numerous days to rectify this XXXX hours a day caused extreme anxiety and emotional stress simply because nobody can figure out what is going on. It also is effecting my credit report. Nothing was my fault, yet Im the one one suffering with anxiety, emotional distress, numerous phone calls to get this rectified. Still nothing has been resolved and Truist told me to do all the work especially calling the credit bureaus because of their mistake.
Consumer complaint received 2022-12-17
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. (AR)

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. 

XXXX account # : XXXX, XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. 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 items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has responsibility caused to believe that the information is inaccurate.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-12-17
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: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-17
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 checked checked my credit report in XX/XX/2022 after applying for credit and noticed that i have been a victim of identity theft. I have XXXX fraudulent accounts on my credit profile that do not belong to me and i did not apply for them. Those fraudulent accounts are XXXX XXXX with the original creditor XXXX XXXX XXXX for the total of {$650.00}, XXXX for the total of {$530.00}, XXXX XXXX for the total of {$630.00} and XXXX XXXX for the total of {$870.00}. I have never done business with either of these companies and would like them taken off of my credit report as soon as possible because i have been denied credit due to these accounts that do not belong to me. I would like an updated credit report showing the removals of these fraudulent accounts.