davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-11
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. (MS)

Report Number : XXXX Date Generated : XXXX XXXX Credit Company : LVNV Funding LLC Even after disputing and having this deleted account removed from my credit report according to the Fair Credit Reporting Act ( FCRA ) regulations, it can still impact my credit score if it reappears. This recurrence might result from creditors or credit bureaus failing to comply with FCRA guidelines, such as verifying the accuracy of the information. Despite efforts to rectify inaccuracies, the reappearance of a deleted account can continue to affect my creditworthiness, highlighting the importance of vigilant monitoring and enforcement of FCRA provisions to ensure fair and accurate credit reporting.
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (TX)

On or around XX/XX/XXXX  l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm not liable for this debt with XXXX XXXX XXXX for the amount of XXXX $ that was establish on XX/XX/2020 as mention before I'm a victim of identity theft and around XXXX some one took over my bank information and identity from the XXXX XXXX, and lost all access to my accounts
Consumer complaint received 2023-12-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (CA)

I recently read an article on XXXX regarding the Navy Federal approving more XXXX  applicants than XXXX. I had the same experience as the person mentioned in the articleweeks and weeks of going back and forth only to be denied. I want to add my name to this list of complaints because, according to the article, they are wondering if this has happened to other XXXX applicants, and it has. 

In XX/XX/2021, I made it to the underwriting stage and was conditionally approved ( XXXX ), but was shocked to hear my application was declined.
Consumer complaint received 2023-12-18
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. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This account no longer belongs to this creditor and has been paid in full through a 3rd party collection. This company XXXX no longer owns this debt and is reporting it illegally on my report without my consent and against my assumed and copyrighted names. The dates last active are wrong too and should be removed from my consumer report immediately for accuracy being less than 100 %. The use of my name without my express written consent because of the assumed name certificate and the copyright is considered Identity Theft. Documents provided for MY NAME! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2800.00} {$0.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XXXX XXXX Comments : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
The unpaid balance was reported as a loss by credit grantor. 
Date Last Active : XXXX XXXX Date of Last Payment : XXXX XXXX
Consumer complaint received 2019-11-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (PR)

It was happened in XX/XX/XXXX  were XXXXXXXX XXXX XXXX in XXXX XXXX XXXX sent the title of the loan to Motor Vehicle Registration. They sent the title to me. It cause to Credit Acceptance Bank close the loan because of the tittle. The dealership call me to renegotiate the loan because of the mistake. They took the car in XX/XX/XXXX XXXX. 

I keep communication with the bank, because the promised sent all my money I pay to the loan. ( {$1400.00} ). In multiple times they sent to paycheck at my name to the dealer, but the dealer lie me, justifying they don't received the check. But Credit Acceptance sent my check. 

I decided move to XXXX XXXX in XX/XX/XXXX. I called a lot of times to Credit Acceptance to report I will leave XXXX to other address ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX ). The told me they will consider send to me a new check. In XXXX the sent again the new check to dealership in XXXX XXXX. 

I need recover my money ( XXXX ). additional I Pay {$1500.00} of down payment. I made payments of the insurance ( XXXX ) for more than one year. It affected my credit because of loss my car.
Consumer complaint received 2024-04-27
Product: Credit reporting 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. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GB Collects, LLC (VA)

I accepted a contract for removal and installation of insulation in my residence XX/XX/XXXX with work to be performed XXXX XXXX removal of old insulation, XXXX XXXX company representative inspection of the removal and property before installing new insulation ; No one came to inspect the work before the installation ; I have tried repeated in writing and calling to ask that a representative come to fulfil the contract and ensure my investment is covered ; XXXX XXXX XXXX finished the installation. However, when my annual maintenance of HVAC equipment was performed ; insulation had been sprayed over everything including the HVAC, heating equipment ; and after repeatedly calling about this incident ; the company still refuse to send a representative to inspect the work. I was sent collection notice for immediate payment with an extra {$2300.00} fee tacked on to the {$6500.00} due with no interest in XXXX year ; with no intent to send a representative inspect the work performed and ensure that my equipment is covered from any future damage by spraying insulation on my HVAC equipment and that I have no rodent infestation and proper insulation. That is all I have been asking for based on the contractual obligation. A of XXXX XX/XX/XXXX, no one from the company, regional managers, district managers ; will respond or take action.
Consumer complaint received 2023-05-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: RRD Financial LLC (TX)

I have tried repeatedly asking RRD Financial LLC to prove I owe any debt and they have continued to violate my rights by not providing me with the proper info according to the Fair Debt Collection Practices Act section 1692g. They state they are going to charge me to send any documents which is another violation. Furthermore, they have now stolen my vehicle and it has been documented that they are in possession of stolen property as they never had my permission to steal my vehicle. They have also stolen my personal property and money inside my vehicle. They tried to coerce payment and extort me by advising they will give my info to the consumer reporting agencies. I told them I do not consent to sharing any of my personal info with anyone and to remove any reporting as I am disputing anything they state I owe. I requested info regarding where I have given them permission to give my personal info to anyone. They have not provided it and now violating my right to privacy. I requested they cease sharing my info with anyone as that is violating my right to privacy. This has me great injury and identity theft.
Consumer complaint received 2023-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation (LA)

Never received debit they say I owed medicaid paid bill medical insurance debt not valid on XXXX XXXX XXXX  on collections they will not remove reported debt an open debt 6 years old please remove I been disputing it for 6 month my rights has been violated
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : Account- XXXXXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have never given permission to furnish the information to Portfolio Recovery Associate. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MS)

I borrowed around XXXX XXXX in student loans total along with the XXXX XXXX and scholarships paying the rest for my XXXX XXXX. Now I owe XXXX to just one of the companies and another XXXX and another XXXX $ and another XXXX etc they split up consolidated student loans and raised the interest to 85 % while claiming XXXX but its not. Yes I can math after all of this. So now on my credit report even though XXXX loans are delinquent, Im stated as to having revolving credit which shows I have negative XXXX XXXX bc I owe XXXX XXXX in student loans that I never took out???????? So therefore I cant get a car, a personal loan, a credit card, a job where you need good credit at a bank or finance company. Im livid and I pray you can help bc at this rate how would I ever send my XXXX XXXX XXXX to school. My XXXX is on XXXX XXXX. Im not a freaking XXXX XXXX and owe more for what exactly? They keep selling their educational loan companies. Also its always the same answer on every single credit report, which goes back to the one little recovering debt thats turned into like a bazillion loans. This isnt ethical or fair and its downright illegal whats happened
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Mortgage transferred to Nationstar from XXXX. I pay online at the end of grace period, XXXX of the month, NEVER have been charged a fee. Fee is waived in first 10 days of the month only. I can not afford to pay sooner than the XXXX, and can not afford a XXXX fee. Is n't the new company supposed to honor the same terms as the old?
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My mortgage company transferred my loan on XX/XX/2023 from XXXX XXXX XXXX to XXXX XXXX The company is showing account closed instead of transfer. Also, XXXX XXXX XXXX is reporting me 90 days past due when in reality my payments have been transferred to XXXX XXXX. Company has made a mistake and needs to correct the problem. They are quick to put negative information on your report but slow at correcting the mistakes. please assist in this issue as this is impacting my ability to get fair and reasonable credit.
Consumer complaint received 2017-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XXXX XXXX AND NATIONSTAR MORTGAGE ARE USING THE PHONE, COMPUTERS AND INTERNET SERVICE TO COMMIT THE THEFT OF FUNDS AND THE ILLEGAL FORECLOSURES OF HOMES ... WE HAVE 3 CONFIRMED, RECORDED, DOCUMENTED CRIMINAL ACTS TOTALLING OVER {$8000.00} MAKING IT A SERIOUS FEDERAL CRIME .... IN XXXX XXXX, AS PART OF A CFPB SETTLEMENT, NATIONSTAR AGREED IN WRITING TO ACCEPT A XXXX PAYMENT TO BRING THE ACCOUNT CURRENT. WE PAID THIS AMOUNT OVER THE PHONE ... AND NATIONSTAR ILLEGALLY LEFT A BALANCE ON THE ACCOUNT PLUS ACCRUING LATE FEES ON THESE ILLEGAL BILLS ... NATIONSTAR USED INTERNET FRAUD DURING THE SAME TIME PERIOD, XXXX XXXX, WHEN THEY PUT IN WRITING THAT THEY WERE NOT DOING A FORECLOSURE BECAUSE THEY WERE INVESTIGATING AND CONFIRMING LOAN ORIGINATION FRAUD ON THIS ACCOUNT. ... FOR THE PUBLIC RECORD, THIS LOAN ORIGINATION FRAUD WAS CONFIRMED AND NEVER CORRECTED MAKING ANY FURTHER COLLECTION AN INTENTIONAL, FRAUDULENT, CRIMINAL ACT ... THE LOAN IS INVALID ... IN XXXX XXXX NATIONSTAR DID FORECLOSE ON THE MISLED HOMEOWNER AFTER TELLING THEM ON THE PHONE AND IN WRITING ... THEY WERE NOT FORECLOSING ... WHEN THEY REVERSED THEIR ERROR ... THEY ADDED A {$1400.00} ATTORNEY BILL ILLEGALLY TO THIS MORTGAGE ... THEY CHARGED FOR A FORECLISURE THEY SAID THEY WERE NEVER DOING .... NOWHERE CAN YOU CHARGE FOR A SERVICE YOU TELL A CONSUMER YOU ARE NOT PROVIDING ... THAT ILLEGAL {$1400.00} ATTORNEY BILL IS STILL ON THIS ACCOUNT ILLEGALLY TODAY. ... LAST MONTH ... XXXX XXXX, XXXX, NATIONSTAR VERBALLY AGREED TO ACCEPT AND THEN WAS WAS PAID OVER THE PHONE FOR XXXX, XXXX AND XXXX PAYMENTS. THEY CONFIRMED, DEBITED MY ACCOUNT OVER 2,800 ... BUT ONLY PAID XXXX AND XXXX. ... THEY TOOK OUR XXXX PAYMENT AND USED IT TO PAY FOR THE ILLEGAL FEES THEY ADDED PREVIOUSLY USING OTHER FORMS OF WIRE FRAUD PRIOR .... THIS PAYMENT WAS MADE DIRECTLY TO THE CEO IN HIS OFFICE ... XXXX XXXX ... MAKING IT AN INTENTIONAL CRIMINAL ACT AND THEFT / MISAPPROPRIATION BY THE CEO ... XXXX WE HAVE REQUESTED RECORDINGS OF ALL OF THESE CONVERSATIONS FOR OUR UPCOMING LAWSUIT AND FOR YOUR PROSECUTION BUT XXXX XXXX AND STAFF REFUSUES TO COMPLY. WE ARE WORKING DIRECLTY WITH THE CEO 'S OFFICE NOW SO WE HAVE CONFIRMED THIS IS A TOP DOWN CRIMINAL FRAUD INVOLVING SEVERAL HIGH LEVEL EXECS. PLEASE NOTE THAT NATIONSTAR HAS COUNTLESS COMPLAINTS OF THIS TYPE OF FRAUD. THEY ARE STEALING CASH AND STEALING HOMES AND XXXX XXXX IS KNOWINGLY VIOLATING NUMEROUS STATE AND FEDERAL LAWS WHILE FORCING EMPLOYEES TO ALSO BREAK THESE LAWS OR LOSE THEIR JOBS.
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (AZ)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Binance account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2017-08-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My 1st and 2nd mortgages were transferred from XXXX XXXX XXXX to Nationstar in XX/XX/XXXX. At the time, I was going through hardship and was seeking a loan modification. Nationstar resent the modification application papers and the 1st Mortgage was successfully modified and I started payments in XX/XX/XXXX. Later in XXXX I received two separate Loan Payoff Statements for both the 1st and 2nd. I neverheard anything else concerning the 2nd, no statements, nothing. ( My last payment to the 2nd Mortgage  was XX/XX/XXXX. ) I received a letter in XX/XX/XXXX stating that the 2nd. Mortgage had been charged off because they " were unable to cure the account delinquency and bring my loan current. '' No offer to modify the 2nd. Mortgage, no attempt to lump arrears into a new payment plan. Furthermore, there has been no reporting to the credit bureaus until now, the charge off has just been reported. No other reporting. I think Nationstar was negligent in their loan servicing which has impacted me, and negligent in their duties to perform for the 2nd Mortgage note holder, XXXX XXXX
Consumer complaint received 2023-03-14
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: Resurgent Capital Services L.P. (IN)

XXXX In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX