davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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: MoneyLion Inc. (TX)

A fraudulent account was set up in my name by a company named MoneyLion ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for XXXX, XXXX, and XXXX. I immediately contacted MoneyLion again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though MoneyLion is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, XXXX XXXX
Consumer complaint received 2021-07-12
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: Resurgent Capital Services L.P. (CO)

LLNV Funding is showing as the collection agent on an account that was sold after fraud was committed on it by XXXX XXXX XXXX. Upon trying to rectify and settle the account for what I actually owe, it turns out this company is NOT the holder of the debt, but in fact, a law office who is charging me fees regularly is holding the debt. They refused to settle for the actual amount owed, and when I tried to get the name of the law office, the lady refused to give me the name of the company as well as tried to hang up with me after she insisted on arguing with me about whether it was fraud. I repeatedly told her I am not interested in arguing with her, just give me the name of the company so I can start litigation, she told me she is refusing and ending the call. I have NO IDEA who this debt is actually under at this point and they are refusing access to information about the holder to prevent a lawsuit. The young lady I spoke to was named XXXX XXXX, and the number was XXXX.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (SC)

I bought two rugs from XXXX. I tried to return one it had been a few months but they said they had a 7 day return policy so I was stuck with one I still havent opened in the shipping package it came in but I paid {$570.00} so I was stuck paying for both rugs. Which one of them I cant ever use its the wrong size and even in pristeen condition they still wouldnt return it. I since have tried to sell it and havent been able to. The problem that I called in for though was Ive paid the entire bill off and made my final payment in XXXX of 2022. It was on time and the balance payoff I paid. I got in the mail today a {$2.00} charge for XX/XX/2022 that they told me was for not having a balance. I have to have a balance to pay in order to leave the card open for having no purchases anymore. I planned on keeping it open but not making any future purchases but Im not paying once a month to have a card that is unuseful because I have been TOLD its not good to close accounts because it effects most credit reports negatively. So heres my question, is that not illegal to charge me just to keep it open? Im on XXXX and Im on a fixed income and what little I get I have been paying off 5 cards Ive paid off two. Ive attached the bill that came for XXXX and no where does it say that I have to have a balance on the card. I owe {$2.00} and Im going to pay it but I did close the account with the man I spoke to and they are sending me a copy of the paperwork showing that I paid it off and that its closed. Ive also have other cards with this company and Ive had problems with them too this company has too many cards that they supply for many different stores. Its Commenity.net. 
Thank you for your time and patience. 

XXXX XXXX
Consumer complaint received 2021-07-12
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. (TX)

Ive disputed two Bankruptcies that still exist on my report that show a XXXX XXXX to represent me which is incorrect. Ive disputed these items several times and they havent been looked into properly there is never a status change of date the status dates are from XXXX and XXXX. Please remove these files from my report or send me proof of verification as I didnt file these. 
Thanks
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III (NV)

I am having an issue of an ongoing nature with a collection agency reporting information on my credit report regarding a debt which was paid in full prior to being sent to collections. the debt regards a payment for rent in a condo where myself and my partner lived, in California. Prior to moving out, the debt was paid for in cash and then we were given permission to move from the property. Nothing was ever reported immediately following this transaction. Approximately 1 year after, the debt was placed into collection but we were never notified as to the legitimacy or lack thereof regarding the debt. 

I have disputed numerous times, citing FCRA compliance and requesting original paperwork from the company under the Fair Debt Collection Practices Act, which I would then use to validate such an amount being due, and then take action against the company reporting the information fraudulently. To date, no documents have been provided from these disputes, neither prior to dispute or after dispute. The company is simply stamping the dispute as meeting FCRA standards without actually meeting them, causing a hardship on myself with every new dispute. 

This is unfair and wrong and I am asking this federal agency to assist in mediation with this matter. 

The collection agency : Allied Collections, has to this date refused to reply with a response that meets FCRA guidelines, they have provided no tangible paperwork as requested, they have not communicated with myself in any manner and when i contact the reporting agencies, as to what material has been submitted to prove the debt is accurate, I am told the company has not provided any paperwork but have made the claim that it is correct. 

Also this collection has been systematically increasing in dollar amount even though it is in the hands of a debt buyer and long closed. 

This needs to be investigated and corrected. This debt is not factual as all monies owed were paid prior to vacating premises. I am asking for assistance in investigating this fraudulent collection claim in a timely manner.
Consumer complaint received 2022-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I assumed some debt I sent a debt update letter, absolute assignment of debt, notice and direction letter, debt certificate of ownership all notarized to EXPERIAN I paid off the debt in FULL its mine I own it. Credit bureaus are supposed to report accuracy correct? the first call said that it would be resolved that the tradeline should post in 3-5 days wasnt really clear on the ( dispute completed ) notification I received and told me status was available to call in the first place. The 2nd call the lady was working on my request typing lots of stuff in then it got disconnected. The last lady was very rude she said that I would have to contact the banks and thats a lie theyve already sold the debt to a 3rd party I bought the debt I assumed it I needed it to report o y credit report as PAID IN FULL.
Consumer complaint received 2021-07-12
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. (TX)

A fraudulent account was set up in my name by a company named XXXX ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for XXXX, XXXX, and Experian. I immediately contacted XXXX again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though XXXX is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, XXXX XXXX
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (RI)

HI CCS COLLECTIONS / XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (VA)

In XXXX, my husband and I took out loans for school in Pennsylvania. After many deferments and transfers from one service provider to another ( XXXX XXXX, XXXX ) we ended up with PHEAA/AES as our service provider. Since then, we have filed bankruptcy two times and the student loans are still owed. However there are many problems with this. My husband and I were both full-time students from XXXX through XXXX. There wouldve been a deferment were no interest with Charge. They were many years where we filed two separate bankruptcies where we shouldve been on deferment. They never claimed anything when we filed the bankruptcys. Yet they came back to try to collect after. It seems now they say theyre not a federal student loan so we dont qualify to waive our payments as everybody else has during Covid. Yet when it benefits them they claim it is a student loan so it cant be discharged in the bankruptcy. Very conflicting information. I dont understand how we took out a loan totaling {$6000.00} for the two of us back in XXXX and now after many years of deferments, forbearances, and any payments we made that we cant find where they went, they show we owe over {$19000.00}. Where have our payments gone? And why does it show we owe so much for me only took out {$6000.00}. They show the disbursement date is XXXX. That is a mistake. We relocated to Virginia in XXXX. The disbursement date wouldve been XXXX. Since the government has placed into law that student loan payments and interest would be on hold until the end of XXXX, AES started sending letters that we were past due in XXXX. I dont understand how this is possible if this is a federal student loan. Now the government states we dont have to pay loans until XXXX XXXX AES is still attempting to collect. We dont plan to make any further payments until we get some answers on where all the money has gone that we have paid.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (TN)

I had an account go so far negative with overdraft fees that I could not get it back in the positive. They left the account open after I requested that it be closed as to not incur further charges. I thought they did, apparently not. They had someone call me saying they tried to serve me in a county I haven't lived in for 7 months. He gave me the name of one XXXX XXXX at XXXX. I called this number and XXXX answered and informed me that I owe XXXX on an account that was only negative in 2016 for like XXXX. She stated that she was with some attorney 's office representing US Bank and they are going to garnished 25 % of my wages. After telling her that I didn't have a job/source of income, she hung up on me.
Consumer complaint received 2021-07-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: USA Credit Solutions, Inc (TX)

USACS TEXTING ME FROM XXXX TO MY XXXX PHONE NUMBER TRYING TO COLLECT FROM XXXX A MEDICAL DEBT OF {$520.00}, THEN GIVING A DISCOUNT OF {$180.00} FOR A TOTAL OF {$330.00}, AND THEN CONTINUED TO SEND ME TEXT MESSAGES FOR {$520.00} FOR XXXX. I HAVE HAD THIS PHONE FOR SEVERAL YEARS NOW, THEY SHOULD HAVE CHECKED TO SEE IF XXXX STILL HAD THE SAME NUMBER. THEY VIOLATED THE FDCPA, TEXAS FINANCE CODE, AND THE TCPA.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In XX/XX/2023. XXXX XXXX reported late payment on my credit report and after thorough investigation, the company found out they made an error reporting late payment to XXXX credit bureaus. This account was never late.
Consumer complaint received 2022-06-21
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: AMERICAN HONDA FINANCE CORP (NY)

XXXX Please remove it from my credit report or Im seeking litigation please delete. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-12
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. (TX)

My account with Social Security Administration is current and not in collections. I make monthly payments and Experian is not reporting my monthly payment and is reporting account as in collections and past due. Please help. Thank you.
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing provided an incorrect payoff amount in a refinance. Since XXXX, 2021, XXXX XXXX and myself have contacted SPS multiple times for resolution. XXXX has evidence of incorrect information being provided by SPS. At this point, SPS is charging me interest for the payoff amount, while the item was being disputed. They are unwilling to remove the interest charges and refused twice the payoff amount originally provided to the title company.
Consumer complaint received 2021-07-12
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: Fidelity National Information Services, Inc. (FNIS) (MN)

Theres numerous inquiries listed on my Chex Systems Consumer Report. All the checking accounts and credit inquiries listed on my Chex Systems Consumer Report are fraudulent and unauthorized. There shouldnt be any checking accounts or credit inquiries listed on my Chex Systems Consumer Report.