davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
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. (IL)

Experian dropped my score by 31 points for no reason on XX/XX/XXXX. I have called several times and gone through their process twice and they still have not provide accurate information regarding my score. My ex husband moved to XXXX XXXX, Illinois and had several P O Box addresses. I never lived in XXXX XXXX, Illinois nor have I ever used a P O Box. This is one of the problems. They keep telling me that The XXXX XXXX XXXX XXXX keeps reporting the information as accurate. My ex filed bankruptcy back in XX/XX/XXXX. XXXX and the credit union was notified. Experian keeps caring the debt, along with his information on my credit report.
Consumer complaint received 2020-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica (VA)

Direct Express allows you to select transfer funds from the website it will take the money but it never shows up in the account that you transfer to.I attempted to transfer money from direct Express to XXXX XXXX and the money disappeared after hours of trying to contact someone that customer service never answers and hangs up on you I had to contact your congressman and a senator to find out how to reach them. The money disappeared they will not answer the phone and the website says that it will do it but after speaking to someone they said that they have not done online transfers since 2018.
Consumer complaint received 2022-07-12
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. (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC, for committing identity theft. I have never given LVNV Funding LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with LVNV Funding, LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving LVNV Funding, LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from LVNV Funding, LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding, LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-03-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-03-04
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. (NV)

I am writing this due to non-compliance with the (, XXXX, Transunion ). 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.
Consumer complaint received 2020-05-04
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: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Carrington Mortgage has now falsely reported my XX/XX/2020 payment as 30 days late. This is the third adverse retaliatory action taken against me since I attempted to exercise my rights under The Fair Credit Reporting Act ( FCRA ) by disputing Carrington 's handling of my XX/XX/2020 payment. Currently, the 3 negligent acts taken against me include : reporting my XX/XX/2020 payment as 30 days late, reporting my XX/XX/2020 payment as 30 days late, and inflating my principal balance back up to {$48000.00}. I will gladly attach bank statements showing my cleared checks to Carrington and credit reports showing the above facts. Carrington 's actions are clearly a willful violation of Federal Law. 

While the reality was that Carrington was sending these false reports ( e.g. 30 days late XXXX, and 30 days late XXXX ) to the credit bureaus, Carringiton would write me letters hinting that they were investigating my account history as evidenced by the following quotes in a XXXX letter : our records show that the CMS Loan Administration Support Department originally received an inquiry from you on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ... 
Moreover, the Loan Administration Support Department received the following Automated Credit Dispute Verifications ( ACDV ) from you : ( 1 )  on XX/XX/2020 from XXXX  ( 2 ) on XX/XX/2020 from XXXX  ( 3 ) on XX/XX/2020 from XXXX  ( 4 ) on XX/XX/2020 from XXXX ( 5 ) on XX/XX/2020 from XXXX  ( 6 ) on XX/XX/2020 from XXXX ( 7 ) on XX/XX/2020 from XXXX  ( 8 ) on XX/XX/2020 from XXXX  and ( 9 ) on XX/XX/2020 from XXXX.. 


Carrington Mortgage attempts to hint that they were diligently and accurately attempting to correct any innocuous glitches with my credit report, yet I contend they were actually creating more problems ( e.g. false claim of late XXXX payment, false claim of late XXXX payment, and inflated principal balance back up to {$48000.00} ).
Consumer complaint received 2020-05-04
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: Audubon Holdings Group (WA)

On XX/XX/2020, I paid in full a charge off. ( {$320.00} ) Original lendor was XXXX Visa Credit Card but the debt was sold to XXXX XXXX XXXX XXXX. The debt collector agreed to a " pay for delete ''. To be specific the charge off was suppose to be deleted off all three credit bureaus. The XXXX XXXX XXXX   XXXX visa account is still reporting as a closed account and still reporting the late payments when the account is suppose to be completely deleted.
Consumer complaint received 2022-07-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-04
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. (NY)

I am sick and tired of Equifax. Im in the process of starting a class action against them. This company is horrible and are ruining peoples credit. On XX/XX/XXXX my score jumped 106 points because of an closed account reporting information. On XX/XX/XXXX my credit score went down 103 points  because the same company XXXX XXXX added additional information. This account is paid and closed. Why is this company still allowed to change or update information on my Equifax credit report? This account was already deleted from XXXX  and XXXX. Equifax is doing some weird things with people credit. My score is 100 points lower than XXXX  and XXXX. Accounts that are on Equifax are closed and none of the companies say they arent reporting anything and already requested Equifax to delete. Why is Equifax think they are above the law? What they are doing is against the FCRA. I will make sure they are held accountable for their actions. No paid closed account should be reporting or updating anything.
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

Around XX/XX/XXXX I cancelled all services with XXXX XXXX XXXX. I returned all equipment expect modem because the XXXX  person would not take it to return it. She said they would just throw it away if I gave it to them, I didn't. I put it away when I got home and forgot about it. Not long after I received a check for overpayment. As far as I was concerned I didn't owe XXXX XXXX XXXX anything. That is until late XXXX when I started to receive collection mail and phone calls. I called XXXX XXXX XXXX and explained, again, XXXX would not take the modem. They did not care I owed the money they said. 
I bought a 2nd house and in the move I found the modem. I called XXXX XXXX XXXX on XX/XX/XXXX to let them know I found it and would be returning it. They said OK and would make notes about me calling and stating I would be returning it. I took the modem to XXXX  on XX/XX/XXXX and retuned it, XXXX # XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX to confirm receipt, they said it was not returned. I gave all the information from the return slip, and started an escalation process. On XX/XX/XXXX received an email stating ; STATUS : CLOSED-NOT-ADJUSTED ROOT CAUSE : Equipment Not Found in DB or Supply Chain I returned their equipment per their process yet XXXX XXXX XXXX will not accept the proof I returned the modem. I was able to get the XXXX  location to provide even more proof that I returned the equipment. 

This collections was reported on my credit reports.
Consumer complaint received 2020-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I buy and sell items on an app called XXXX XXXX. I had a customer offer to buy a hockey helmet that I had for sale  and he wanted to use Cash app to pay me. I do have an account on cash app but only a personal account. Since the amount of the helmet was XXXX I was told I needed to upgrade to a business account. The cost to upgrade to a business account is XXXX. The customer was going to send XXXX ( XXXX helmet and XXXX upgrade ), with the understanding that I would send him the XXXX back after the transaction with the helmet was complete. I was told to buy XXXX cards in the amount of XXXX ( XXXX a piece ) to send through Cash app to reimburse him the cost of the business upgrade. I couldn't find XXXX cards so I purchased two XXXX visa money cards. I send the money through from the Visa Cards and then was informed that it had to be XXXX   cards. So that was my 1st XXXX loss. I found the XXXX cards and sent those. They said that the money was already taken off of one of the cards, but not the other. So now I have sent XXXX and I had to go get another XXXX card to replace the one that they said was no good. I had the understanding that any money or card I sent them would be reimbursed to me. By this time I am down XXXX on a transaction that was supposed to give me XXXX. The last conversation I had with them today, XX/XX/XXXX I was told to send an additional XXXX XXXX card which I am not doing. It is a shame with the situation our country is in right now with Covid-19 that we are getting ripped off. The reason I sell items is to put food on the table for kids, wife, and myself.
Consumer complaint received 2020-03-04
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: TD BANK US HOLDING COMPANY (NJ)

When retrieving my credit report of XX/XX/2019 on XXXX I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/19. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.
Consumer complaint received 2020-03-04
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: SYNCHRONY FINANCIAL (NJ)

When retrieving my credit report of XX/XX/2019 on XXXX   I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/19. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.
Consumer complaint received 2020-05-04
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. (GA)

On XX/XX/2016 I lost my wallet. In my wallet there was my license, social security card, and some documents with personal information. Unfortunately a few years later I see that several fraudulent accounts and inquiries to open new credit was used on my consumer report/credit. The accounts and inquiries were fraudulent. I am a victim of identity theft. I filled a police report, filed a complaint with the FTC. The accounts that were opened fraudulently were XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Ive attached my police report. I have contacted you previous times on several occasions. I repeat the accounts were moved and place right back onto my consumer report. I am asking for an internal investigation and a response in writing. Ive sent in certified mail and it was missing. If this continues to become a problem, I will be forced to take legal actions against your company immediately upon your reply. This was beyond my control for someone to open Fraudulent accounts on my consumer report. This has cause some major problems of distress.
Consumer complaint received 2020-01-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IA)

I originally logged a ticket with the CFPB against LakeView Loan Servicing LLC. on XX/XX/2019 with the CFPB. On XX/XX/2019 the " resolution '' was to refund the amount due to me and sent via mail. After speaking to a representative shortly after they said I would receive a check within 6-8 weeks. It is now 20 weeks past when this was " resolved '' and have not received a check or any response from the company.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 1ST FINANCIAL, INC. (FL)

I am the listing agent for a property this Lender 1st Financial Inc in  XXXX XXXX, FL with Branch Manager XXXX XXXX is working with. Property XXXX XXXX XXXX XXXX. The lender representative has just threatened me and insulted me over the phone. The threats were of violence towards myself and my family. I want to document this here and with any other department available. Please get back to me.
Consumer complaint received 2020-03-04
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. (CA)

I applied for a loan at XXXX XXXX XXXX XX/XX/20 and I was not approved because apparently there are 4 accounts in negative standing appearing on my credit as well as over twenty inquiries. The accounts are from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX  and XXXX XXXX  ; The inquiries are from several different companies that I have listed on this report. None of those accounts or inquiries belong to me and I did not allow anyone to open these accounts or make these inquiries on my behalf. I filed a XXXX XXXX Police report and got in touch with all of the companies. I did not benefit anything at all from these accounts/inquiries that were opened and made in my name without my permission.