davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

I am writing to request your help. LVNV FUNDING LLC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX Date opened XX/XX/XXXX Original Creditor XXXX XXXX/Status closed. 

This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.
Consumer complaint received 2020-04-03
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. (TX)

XXXX XXXX ADD THIS TO THE FTC ATTACHED PLEASE e FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the Navajo Nation Human Rights Commission spurred the FTC to take action which began in XXXX of 2018.
Consumer complaint received 2020-04-03
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. (TX)

XXXX XXXX ADD THIS TO THE FTC ATTACHED PLEASE e FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of 2018.
Consumer complaint received 2020-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

Okay im resident of XXXX Ohio and I was scammed out of XXXX $ on Thursday XX/XX/XXXX. 
Okay this what happen i walked to the ace cash XXXX right and i had check in hand and id and was just trying to do business right. Im second in line up next, i get to the window and i gave her the check then she ask for id i gave it to her. Then she started talk to me like a Friend right we was talking bout nothing for real then she got the cash out the register right then counted the money .Then somebody walk in and i looked to see just a random boy then i looked back at the lady/employee she put some money back in the cash register. She acted as she put all the money up on the conuter all XXXX $ up but really put XXXX $ back in the cash register as i look away Sincerely unknown
Consumer complaint received 2020-03-24
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. (FL)

I HAVE COME ACROSS SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I DO NOT KNOW OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I AM A VICTIM OF IDENTITY THEFT AND I AM ASKING THAT AN INVESTIGATION TAKES PLACES SO THAT THIS MATTER CAN BE RESOLVED. PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account : 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  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 2020-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (VA)

Amsher Collection is claiming that I owe {$620.00} to XXXX. I've NEVER had phone services with XXXX as I've had XXXX  for the past 11 years. This collection has been placed on my credit reports and is tarnishing my credit worthiness.
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC (NC)

At the beginning of this year we decided to refinance our home. A combination of our credit scores and income documentation, lead to us finding Recovco Mortgage Management , LLC dba XXXX XXXX. Having been a mortgage banker for over 8 years, I did my due diligence with these folks upfront. We sent them over 150 pages of banking statements to be reviewed in detail and ensure that we were qualified financially before starting the loan process. 

It took us 8 weeks to navigate the loan qualification process and then another 2 weeks for the closing. The end result is a deed of trust was recorded on our home and we were never given a loan. We reached out to them and the XXXX XXXX the day after the deed was recorded, only to learn that they had no intention of funding it and had begun the process of attempting to rescind the deed of trust. XXXX  made the decision to halt funding and attempt to rescind my loan without letting us know. The collusion between the two companies is self-evident and is the reason neither made any effort to update us on Monday or Tuesday morning. There was a conscious decision made to withhold that information and an attempt to rescind the documentation without communicating any of it to us. 

After a week of silence, we received an email from XXXX telling us that they sent XXXX XXXX a " satisfaction '' for the deed of trust. There has been no satisfaction to this loan, because there was never a loan itself. There was a misfiled deed of trust that remained on our home for over a week. There was no communication from XXXX during that timeframe and we still never received anything in writing as to what happened. We qualified and closed on a loan, that they chose to back out of at the 13th hour and then colluded with XXXX XXXX, their normal title company, to rescind the deed of trust without telling us. Not only did we supply this company with our 100 's of pages of personal documents, we also paid for an appraisal that meant nothing because they couldn't off a product to justify it with. The result of this, is that in our current climate we are left in financial ruin, with no answers and two corporations that walked all over us. Both companies treated us poorly throughout the process and especially when it was time to fulfill their side of the qualified transaction. 

The NC Bar Association has reviewed this information along with a 16 page timeline of the events and full communication that occurred. They have decided to launch an investigation that is ongoing at this time. Both a litigation and real estate attorney have also reviewed the information and stated that there is a valid claim. It was noted that there was a breach in XXXX XXXX 's duties to us as a client when refusing to disburse the funds, as well as a breach in the loan commitment from XXXX XXXX. They have identified NC Statutes 45A-4 & 45A-7 and the Good Funds Settlement Act as just a few of the items that were all violated during this transaction.
Consumer complaint received 2022-12-28
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-03
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. (PA)

I wanted to buy my XXXX-year old son a new car for his birthday. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IA)

I have a Victoria 's Secret credit card showing on my credit report. The status is saying that it is included in bankruptcy. This account was not included in bankruptcy. This is a violation of the FCRA. It has been paid off with their servicer XXXX XXXX  in return for them promising in writing to delete the tradeline completely from my credit profile.
Consumer complaint received 2022-11-04
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. (TX)

My first letter to Equifax about these acollections was sent in XX/XX/XXXX. I sent out verifications & validation letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Equifax only responded XXXX weeks ago, claiming that the collections had been validated, but they have not and do not belong to me. 

The FCRA requires you to preserve a copy of the original creditors ' documentation to verify my information. Your investigations " confirmed '' that these items are " reported appropriately, '' you wrote. Who approved these accounts? You have failed to provide me with a copy of any original documents ( a consumer contract with my signature ), as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In addition, you failed to submit Section 611 ( a ) verification ( 7 ). According to FCRA Section 611 ( 5 ) ( A ), you must " immediately DELETE all information that can not be verified. '' Civil liability is obvious, as are my remedies ( Sections 616 & 617 ) for breaching federal law. I am a litigious customer who intends to litigate in order to enforce my FCRA rights. 

I need these accounts verified or terminated right away : XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XX/XX/XXXX {$490.00} XXXX  XXXX XXXX XX/XX/XXXX {$61.00} XXXX XXXX XXXX XX/XX/XXXX {$130.00} XXXXL XXXX XXXX XX/XX/XXXX {$80.00} XXXX Thanks,
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (LA)

I have filed two credit disputes with LexisNexis in regards to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. LexisNexis responded to my last request. The response letter was dated XX/XX/2020. LexisNexis stated on page 2 the following, " After a reinvestigation of the data in question, LexisNexis verified that bankruptcy case number XXXXXXX is accurately reporting on your LexNexis Risk View Report. '' LexisNexis did not provide the original documentation bearing my signature or their method of verification in this matter.
Consumer complaint received 2020-03-24
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)

Ftc violations XXXX  : These lawsuits allege XXXXXXXX XXXX violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 
XXXX XXXX XXXX is being accused of pressuring customers into buying extended warranties that did not live up to the promises of sales staff. 

XXXX : CFPB Sues Nation 's Largest Student Loan Company XXXX for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception XXXX  XXXX XXXX XXXX XXXX XXXX was sued by the XXXX  XXXX XXXX today for ... after controversy erupted earlier this year over wireless carriers ' data ... The suit also named two other companies, XXXX XXXX XXXX, XXXX, XXXX and XXXX get sued for reportedly selling your ... All four major cellphone companies have just been hit with a ... wireless carriers allowed third parties to track Americans ' cellphones without consent. 
XXXX XXXX News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} million to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's 2017 data breach, ... 
XXXX XXXX XXXX XXXX XXXX he Rule would prohibit anyone from engaging in fraud or deceit in wholesale petroleum markets or misleading any person by omitting important information from statements that might distort petroleum markets because of the omission.
Consumer complaint received 2020-03-24
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MS)

Comenity bank is reducing credit limits arbitrarily thereby making my credit card usage appear higher, which damages my credit score and increases my interest rates. This means that it costs me more money to borrow money for a new house, car, etc. 

I have contacted them to ask why my limit was reduced or my account closed on my Victorias Secret, XXXX XXXX   XXXX XXXX and a few more and they told me their computer generated model got information from the credit bureaus that assisted them in making this unilateral decision. So I guess adding to peoples financial problems during a pandemic is what they call good business practices. 

The unwarranted actions of this company has caused me actual monetary damage and that is the basis of this complaint.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (RI)

Hello, I am simply trying to find out if my XXXX year old son has a credit report as a way of verifying that his social security number has not been used to take out credit under his name. The reason that I am trying to verify this is because I had lost his SSN, which was written down on a form that I had accidentally left behind somewhere. However, I have been unable to do so through www.annualcreditreport.com or the credit bureaus without having to mail in lots of information on him including his social security number and a copy of my ID, which I feel uncomfortable doing as it may pose more of a risk. I don't understand why I can't at least receive a confirmation stating that no credit report exists ; I do not feel that it should be this hard to be proactive for my child 's sake. Thank you.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX of 2020 Capital One Bank USA put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. I have been patiently waiting for this company to update this inaccurate late pay on my account but they have failed to do so. This late payment has caused my score to drop significantly for their wrong doing.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDCO located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2020-03-24
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. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine so please DELETE those accounts and the home addresses listed. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THE BELOW ACCOUNTS TO DELETE. 

I found several accounts where there are late payment history being reported which were never late, please AMEND those accounts listed.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

What is this complaint about? 
SHELLPOINT Mortgage Company recently acquired my mortgage from XXXX XXXX  XXXX. My property is a Condominium. Shellpoint requested the HOA Insurance Information by submitting a letter to me requesting that I submit it. I informed Shellpoint that I called the Property Management office and requested the information. A second letter was followed up with a threat that they will automatically select an insurance plan for my building complex and I will be responsible for paying for that insurance. I submitted a letter to them informing them that I am not responsible for the insurance coverage for the Condomium Complex, that I have contacted them and requested the information. After numerous calls on my part, I reached the Condomium Complex and they informed me that they had already submitted the information to Shellpoint and did not understand why Shellpoint continue to call me for that information. 
In addition, Shellpoint created an Escrow account on my behalf and charged my account in the amount of {$730.00}. I called Shellpoint and complained and the amount was deducted. However, again I am in receipt of a letter asking for proof of wind insurance for my personal Condo. That information was also submitted to Shellpoint by XXXX. Again I received a letter from Shellpoint threatening me that they will bill me for the additional insurance. 
Step 2 : What type of problem are you having? Claims of inadequate insurance and Shellpoint has acquired insurance on my behalf after submitting the insurance proof they requested. 

Step 3 : What happened? They continue to threaten and harass me regarding the additional insurance. And will add the additional cost to my mortgage payments. I do not have a current escrow account. I pay my insurance directly to XXXX, and I also pay my annual taxes directly to the State of Maryland. I have no PMI on my property. I put a down payment of {$30000.00} when I bought my property Step 4 : What company is this complaint about? SHELLPOINT MORTGAGE COMPANY Step 5 : Who are the people involved? XXXX XXXX XXXX, OWNER AND SHELLPOINT MORTGAGE.
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.