davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (IL)

My complaint is with Moneylion , Inc. who has reported inaccurate information on my credit report and have not removed after continued effort to resolve. 

I had a credit building loan that was shown closed and paid off on XX/XX/2020 as indicated on my Moneylion mobile app ( see attached screenshot ). As such I assumed my business with the company was complete at that point. 

In XX/XX/2020 while working on credit repair I noticed Moneylion reporting on my credit that I owed them a balance of {$47.00} which was confusing since as I mentioned the account was and still shows as closed and paid off in XXXX. XXXX XXXX sent a letter on my behalf and in which I receive an email from Moneylion denying their adjustment request. I disputed the error on my XXXX app but for some reason was unsuccessful in getting removed as well. In the meantime in XX/XX/2020 they reported me as being 60 days late. At that point since it was not a large amount of money I decided to just pay it on XX/XX/XXXX and was advised that the account was now closed and paid off. 

However, over the next couple of months I continued to get alerts on my credit report of being 60 days late reported by Moneylion. I continued to dispute with no success in removing. I called Moneylion and spoke to a representative that acknowledge the account was closed and paid off. They sent me a letter stating the account was closed in XXXX ( see attached letter and emails ). However, despite acknowledging the error for some reason they continued to report 60 days late for XXXX, XXXX, XXXX, and XX/XX/2020.
Consumer complaint received 2021-08-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

XX/XX/2016 I lost my wallet at that time I filed a report. Most recently I filed another police report. Professional debt med is advising that I owe a debt of $ XXXX to the XXXX XXXX XXXX XXXX. I have spoken to the XXXX site several times and they have advised me they have no record of me staying in their complex around any dates this debt is being advised. I need this removed because it is affecting my credit and this is not legally mine. Case number for police report is below with officer badge number and name : XXXX XXXX badge number Officer XXXX XXXX
Consumer complaint received 2021-08-30
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. (IL)

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.
Consumer complaint received 2021-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

NewRez LLC d/b/a Shellpoint Mortgage Servicing has : 1. performed TWO Annual Escrow account analysis calculations in XXXX XXXX XXXX and XXXX ) resulting in monthly escrow and mortgage payment increases within the same escrow account computation year, well before the completion of the established escrow account computation year occurred. They are in violation of RESPA Escrow Account Regulations, specifically CFPB 1024.17 Escrow accounts. 

2. removed my ability to view any and all, past and present, Escrow Analysis Statements online, beginning in XX/XX/XXXX, immediately following the second Escrow Analysis, claiming they did so because of a Chapter XXXX Bankruptcy that I filed in XX/XX/XXXX. 

3. continued incorrect and sloppy mortgage loan credit reporting that harms and lowers my credit score unnecessarily, as well as the failure and unwillingness to correct the accounting after I supplied valid information and after receiving disputed information from the major credit reporting agencies. This is privately enforceable under the FCRA, as I have already lodged a dispute with the CRAs, thus triggering reinvestigation duties under 15 U.S.C. 1681s-2 ( b ). Section 1681s-2 ( b ) as opposed to 1681s-2 ( a ) is privately enforceable. See NCLCs Fair Credit Reporting 6.10.
Consumer complaint received 2021-08-29
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. (MT)

Experian credit company won't delete a Bankruptcy that is on my report. It has been removed from my other two credit reports and they agreed to remove it from this report and haven't. Its holding my credit score down and costing me more money in credit due to this problem. Can we please have them erase this Bankruptcy on my Experian report. Thank you.
Consumer complaint received 2021-01-02
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity
Consumer complaint received 2021-01-01
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: Experian Information Solutions Inc. (MA)

I received a reinvestigation results response from Experian reinvestigation results from report number XXXX, which I made under FCRA 611 ( a ) regarding an erroneous item on my credit report. 

I included an official letter on my dispute received from the clerk of the United States Court stating they do not " share any information with Credit reports or 3rd Party agencies and Experian keep confirmed that have verified these accounts, I wonder who has verified if United States Court stating they do not share any information with Credit reports or 3rd Party agencies.
Consumer complaint received 2021-08-30
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. (PA)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX-XXXX-Balance {$0.00} DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I noticed LVNV FUNDING, LLC is reporting an account on my consumer report ( XXXX  and XXXX  ). I know that after a debt collector contacts you about your debt, you have 30-days to request debt VALIDATION according to the FDCPA. To which I submitted multiple debt validation letters via certified mail to the debt collector. Under remarks it even reads " consumer disputes this account information. '' Also, keep in mind according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that a debt is disputed ( when I disputed the validity of the alleged debt ), the debt collector, in this case, LVNV FUNDING, LLC is supposed to obtain VERFICATION, not validation of the said debt. XXXX did you VERFIY the alleged debt because no documents supporting the VERIFICATION of the said debt was provided. Furthermore, how can a debt collector say they gave a loan to a consumer that holds an open end credit plan ( all consumers hold open end credit plans ) which, btw we can regularly extend to ourselves through our true " credit card '' under 15 usc 1681. How then, can one be a barrower if the consumer is the true " debt '' collector? A consumer cant barrow from what he/she initiates.

LVNV Funding LLC is a company known for buying charged-off accounts from companies like credit card issuers and personal loan lenders. We know that a charge-off is a debt that an original creditor has given up trying to collect on after a number of tries. This company brings in an annual revenue exceeding $ XXXX. What's crazy is that it is completely ILLEGAL for anyone outside of the Federal Reserve Board to use Federal Reserve Notes aka FRN 's from a consumer to make, what you all like to call it " payments '' towards an alleged debt ( according to 12 USC 411 ), especially any " LOAN '' where we know the consumer extended credit to themselves, solidifying the fact that any " CREDIT TRANSACTION '' was already paid for with a consumers social security " card ''. ( define credit card ). So contrary to what is portrayed on my consumer report, LVNV Funding, LLC did not give ( loan ) me anything. I am the original creditor according 18 USC 914. Keep in mind, the statute of limitations on this said debt is up in relation to where I reside ( 6 years ).

YOUR ( LVNV Funding, LLC ) collections practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct : the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt. 


I do not know this company. I have never done any business with this company. This company does not have a contract with my signature and pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ), I never gave written instruction for this company to furnish any information on my consumer report.
Consumer complaint received 2021-01-01
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. (PA)

This is now attempt number ( 3 ) to have unverified entries on my credit report deleted as they have yet to be verified under FCRA law. After reviewing my credit report recently, I realized that I had number of entries reporting as closed that had never been verified as I do not accept responsibility. I have contacted CFPB twice now and the companies have yet to provide any written or physical documentation that demonstrates that these accounts are in fact mine. Under FCRA law, section 611 ( a ) ( 5 ) ( A ) ( i ), ANY item that can not be VERIFIED is required to be deleted or else this is a violation of my rights as stated to me by my attorney. I have submitted complaints on XX/XX/2020 & XX/XX/2020 respectfully with no proof being provided after investigations. I seek remedy or else I have no further action but to file suit for deformation. I only ask that these persistent and inaccurate/ unverified entries be deleted as they are negatively impacting my livelihood. Thank you.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WA)

Good Day, To whom it may concern, Please immediately delete the account " XXXX '' for the following FCRA violations : Failing to report the DOLA or Date of last activity. 

Failure to report the creditor phone number, this account can not be verified. 

failure to report the date closed. 

Failure to report the account number. 

I have mailed Equifax a dispute letter regarding these items, however they are still illegally reporting this account with the above FCRA violations. See attached tracking number.
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I recently checked my credit reports and the two closed XXXX  XXXX  accounts ending in XXXX and XXXX are still reporting in the payment history.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.Not sure why XXXX XXXX is still reporting on these closed accounts, but it needs to stop.It sounds like XXXX XXXX is still reporting to extend the removal dates.This may have caused current higher interest rates or denial of credit because of the erroneuos information.
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently checked my credit reports and the two closed XXXX XXXX accounts ending in XXXX and XXXX are still reporting in the payment history.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.Not sure why XXXX XXXX is still reporting on these closed accounts, but it needs to stop.It sounds like XXXX XXXX is still reporting to extend the removal dates.This may have caused current higher interest rates or denial of credit because of the erroneuos information.
Consumer complaint received 2021-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

So complicated. I had a mortgage with XXXX which I fought a 4 year foreclosure issue on. Got 2 lawyers to settle things. Things were settled. Amount was settled- which included escrowed Flood. Keep in mind I bought my house well before XXXX or even XXXX. In XX/XX/XXXX Shellpoint MOrtgage took over my loan- so after 4 years now my payment jumped to over {$3000.00}! This is after a legal suit that they just changed the payment AGAIN. I called latest lawyer to help- they initially said - " oh this is wrong ''. They said they would help figure it out- then backed down and said it wasn't in their best interest- after getting paid. I am upset - as you can imagine. I have tried to deal with Shellpoint- Still dealing with Shellpoint- just different answers constantly. Very hard to reach escrow dept. 
I was told there was a delinquence in my escrow account and in order to go back to make my payment back to XXXX XXXX XXXX I would have to pay $ XXXX this included 2 months ( which I think should be much more! ) I did anyway with a promise I would get refund- I have gotten {$130.00}?? I don't even know what that is for? Not escrows~ I have called literally everyday last week and emailed. This is a bunch of junk. They have over anywhere from XXXX XXXX_- {$8000.00} in my account. I need my money. I have volunteered always to pay my XXXX XXXX XXXX- They have plenty in Escrow. I need help. 

OK, I am currently STUCK in XXXX XXXX  XXXX . I have been since Covid. I am waiting on a Visa ( different from passport- which I have ). It is a long process. I can be reached via email- XXXX. I have an app called Text Now- XXXX. Other US numbers would be have to be answered by my friend taking care of my house. 

Shellpoint Mortgage XXXX XXXX XXXX, SC XXXX Account XXXX Ph- XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Don't know what you might need. I have only been with Shellpoint since XXXX XXXX a mess ever since. It is my understanding that when a mortgage gets transferred without any knowledge of mortgage holder- the terms of previous loan! And if the new mortgage holder changes/ and or/ does not pay the ONLY bill ( Flood ) which was in XXXX correctly- it should give me permission to pay my own bills. I pay XXXX, XXXX, Property tax- why do they mess it up so badly- granted- it is a XXXX XXXX compound- not one can get it! I can. I want control! If I don't pay- got ahead add escrows- but that won't happen.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I have a collection account from I C Systems via XXXX that does not belong to me. I have never had a XXXX account in my name. This debt is not mine. They are asking for {$380.00}. I've never received any correspondence from this company showing proof of a XXXX account or asking for payment in the mail. I have also never received a phone call from them.
Consumer complaint received 2021-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (LA)

ENHANCED RECOVERY COMPANIEES AT `ERCXXXX XXXX XXXX XXXX, FL XXXX Has been sending me collection notices in the amout of {$490.00} the collection has been reported as past due. I doXXXX not know this company. I have never done any business with this company. this company does not have a contract with my signature!
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MO)

For the past 3 months I have attempted to call US Bank to pay off a credit card. I call on the first of the month when payment is due and am unable to get through. My online account was closed when the card was closed and I am unable to log on to pay online. I was told my only option to make a payment is to call. Thats what Ive been trying to do but thats impossible when the bank cant be reached. I always get a message that they are having an interruption in services. When I attempt to email their customer service with the email address provided on their contact us page, its returned undeliverable. 

This account has now been accumulating interest and late fees not due to my failure to pay, but the bank blocking my ability to make any payments. This is not only unethical behavior but potentially fraudulent at the expense of consumers. They have made it impossible to make a payment or even contact someone there to assist.
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (MI)

XXXX XXXX somebody stole my ATM INFORMATION, in XXXX, Michigan. XXXX {$100.00}. I live in XXXX XXXX, Michigan 9 hours south. I used my debit card for dinner in lake XXXX the same time my stolen ATM was being used. I contacted TCF bank, filled out the fraud questions, there would check into it. Well,10 days later I received a letter refusing to return my stolen money, they said the chip was designed for me only, and no one could access it but me. I argued with them about the fraud, basically they called me a liar. 
I called back and told them that I want their proof, again never received it. Called a 3rd time, told them about their so called ZERO FRAUD LIABILITY, told them again I live 9 hours away and used my card the same day plus I told them chips can be cloned. Of course nothing again, and being accused of lying. Im so mad at TCF, Im closing out my savings account tomorrow Ill keep the checking until my bills cleared. Oh, the first call they shut my card off, big deal whos to stop it from happening again? Next time they could have wiped out my checking account and they would do nothing about it. What a joke of a bank.
Consumer complaint received 2021-01-01
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc. (CO)

XX/XX/2020. Filed a dispute on donvenmuehle morage there saying I am over 90 days late on all my payments on my house and they know I pay them they known there behide over covid 19 have a recording to prove that one. But the check clear my bank. And you can see when dovenmuehle recover the checks. The recipe date is stamped on the check. Yes the house was in bankruptcy. I was granted a stay because I paid the courts and the mortgage.
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This complaint concerns Bank of America 's unwillingness to compensate according to their " deposit and disclosures " agreement for debit card fraud of approx. {$XXXX}. 
I deactivated the card on XX/XX/XXXX of this year, and the only correspondence i've received from the bank are notices of the case being opened and closed. I've informed the bank that my attorney requires supporting documents, but I have to keep reordering them as they never arrive. Please note supporting documents to include police report, bank closure notices, and my original letter to Bank of America. 
I haven't enclosed the letter from myself to the law offices of XXXX XXXX  XXXX XXXX  XXXX, XXXXIn that letter I raised the question of how could I be in California and Noth Carolina at the same time as the charges are of that nature..