davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/2020 I disputed two accounts from LVNV Funding that are listed on my XX/XX/XXXX and XX/XX/XXXX credit reports. I have yet to receive a response from this company. Per FCRA, LVNV Funding ( aka Resurgent ) has 30 days to investigate the item, or they must delete it from the credit report. Upon pulling my credit report today, the items are still in dispute status, but I have not received any correspondence from this company. Furthermore, on my credit report dated XX/XX/20 the accounts were reported as " closed '', but on my most recent report it was marked as " open '', yet still in dispute status. I have a attached a copy of the line items as listed on my credit report as proof.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as I have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting.

1. Under 15 USC 1666 Billing Error XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE ; I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I have attached proof that all these payments were made I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity along proof of address
Consumer complaint received 2023-08-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Ive been in my home 11 years. Never had a struggle paying my mortgage. Then life and COVID happened. So with that. I called my mortgage company ( PENNYMAC ) and asked for a forbearance and they denied it because Im not current. I felt like that was wrong because yes I know its a business, but I felt like they couldve worked with me
Consumer complaint received 2023-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (NE)

I purchased a washer on XXXX XXXX XXXX. From the pos I was offered credit that required me to pay {$350.00} initially and 6 months of payments for {$100.00} each. When the 6 months was up, I called the lending company to see why I still had a balance and they said bc I hadn't responded to an email that I don't remember getting that I had only been renting the washer and needed to make 6 more months of payments or pay out more than {$300.00} immediately. That if I didn't, it would ruin my credit and they would take the washer back. At this point I've paid more than 150 % of the original price of the washer and the additional 6 months would make the payments almost 200 % of the purchase price.
Consumer complaint received 2023-10-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (OK)

On XX/XX/XXXX we called the mortgage company and told them our house is for sale and the buyers will close on XX/XX/XXXX. We stated we had moved but our daughter still lives in the house. Today XX/XX/XXXX, a Contractor from Mortgage Consulting showed up at my house and when I asked her what she was taping to my door she said its a no trespassing vacant sign abandonment notice and that shes sent out when a house is in foreclosure. We have a VA loan with Freedom Mortgage and we missed XXXX and are late for XXXX but we are not 120 days late and not received any type of notice other than a letter to contact them about making a payment ( which we did XX/XX/XXXX, day before they sent someone to post our house is vacant/abandoned ). I called Freedom Mortgage and the guy apologized and said theres no reason to do this for being behind 2 payments ( not even 60 days ) and would note our account. How is freedom mortgage legally able to do this and why are they trying to say its abandoned when we reached out to them and clearly told them what was going on? I have the whole conversation with the contractor on video, please keep this in mind in your response.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have received an email from XXXX to tell me that I have a negative impact on my credit report upon checking my report I found that XXXX XXXX reporting that Im late more than one month for my monthly payment. 
Accordingly I called XXXX XXXX  and they informed me that it was a mistake from the administration team and it shouldnt been reported and they will try to fix it with the credit report. 
I complain today because this such mistake caused me lost XXXX points from my score and my goal to achieve above XXXX  credit score was destroyed for such mistake and now I will never be able to being approved to get a conventional mortgage in order to be able to buy any apartment in New Jersey especially I got denied for over than 20 times to buy because my current mortgage is FHA loan which is declined by most sellers in NEW JERSEY. 
Please note that the credit bureaus are taking so long time when they add a positive impact on credit profile and they are very fast for negative ones. 
I have been fighting hard in the last year to buy a place to live with my family and I cant because the FHA loan that is being declined by most sellers either individual sellers or companies.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PA)

Citibank, N.A send cancellation of Debt to IRS. The IRS telling me to pay taxes for this cancellation of Debt, but I do not recognize this debt and I told the IRS and Citibank, N.A that those accounts are not mine accounts. There are XXXX accounts and in total cancelled Debt is {$28000.00}. 
The IRS told me that I have to contact Citibank, N.A and asked them for any documents related to this cancellation of Debt. I tried to contact Citibank, N.A several times, but they simply not answering me. 
On XX/XX/2024 I send to Citibank, N.A a letter with request of information related to this cancellation of Debt. In this letter I reminded them that according to law they have 10 days to provide me with information that i requested and i told them that after 10 days I will file a complaint with Consumer Financial Protection Bureau and since they did not responded I'm doing it now.
Consumer complaint received 2022-12-12
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. (NJ)

I have received an email from XXXX to tell me that I have a negative impact on my credit report upon checking my report I found that XXXX XXXX reporting that Im late more than one month for my monthly payment. 
Accordingly I called XXXX XXXX  and they informed me that it was a mistake from the administration team and it shouldnt been reported and they will try to fix it with the credit report. 
I complain today because this such mistake caused me lost XXXX points from my score and my goal to achieve above 700 credit score was destroyed for such mistake and now I will never be able to being approved to get a conventional mortgage in order to be able to buy any apartment in New Jersey especially I got denied for over than 20 times to buy because my current mortgage is FHA loan which is declined by most sellers in NEW JERSEY. 
Please note that the credit bureaus are taking so long time when they add a positive impact on credit profile and they are very fast for negative ones. 
I have been fighting hard in the last year to buy a place to live with my family and I cant because the FHA loan that is being declined by most sellers either individual sellers or companies.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I did not authorize these companies to run my credit. 

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 2024-02-06
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: EQUIFAX, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-01-20
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)

THIS ACCOUNT MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, this account is not mine. The address reported in my file is not my legal address. 
XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/
Consumer complaint received 2023-02-22
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: NAVY FEDERAL CREDIT UNION (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
NAVY FCU XXXX
Consumer complaint received 2017-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (PA)

XXXX / XXXX / XXXX  {$3200.00}  XXXX / XXXX / XXXX  {$25.00}  XXXX / XXXX / XXXX  {$440.00}  XXXX / XXXX / XXXX  {$4000.00}  XXXX / XXXX / XXXX  {$370.00}  XXXX / XXXX / XXXX  {$15.00}  XXXX   XXXX / XXXX / XXXX  {$22.00}  XXXX / XXXX / XXXX  {$510.00}  XXXX / XXXX / XXXX  {$43.00}  XXXX / XXXX / XXXX  {$47.00}  XXXX / XXXX / XXXX  {$53.00}  XXXX / XXXX / XXXX  {$1200.00}  XXXX / XXXX / XXXX  {$2000.00} THE COMPANY AMERICOLLECT ADD THIS ACCOUNT TO MY CREDIT FILE THIS IS NOT ME, I being talking to the company and not much is resolve
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Incomm Holdings Inc. (IN)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX  : reference number  XXXX  Dear Customer Care, My  XXXX  year  old son  XXXX   XXXX  purchased one of your reloadable prepaid cards from a   XXXX   gas station on  XXXX   XXXX ,  2017  around  XXXX . He spent {$110.00} cash. There was difficulty registering the card and  XXXX  subsequently emailed to  XXXX  XXXX  XXXX  a wide variety of personal identification and a copy of his registration attempt. Even after all of this effort he was unable to activate and use the account.  XXXX  was unable to provide a cash receipt for the purchase when we requested the receipt. We are feeling a little bit ripped off here and are contacting th e Consumer Finance Protection Bureau to try  to help get this card activated. Copies of the card ( front and back ) and registration are attached.   The card number is :  XXXX  Please contact me at  XXXX  to let me know how best to activate our card or refund the purchase price.
Consumer complaint received 2022-12-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX : # XXXX AND 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-12-12
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. (LA)

On XXXX I sent a letter to reinvestigate some incorrect items on my credit report. That letter was delivered by USPS by certified mail under tracking number ( XXXX XXXX XXXX XXXX XXXX ) and was delivered on XXXX. It has been past 45 days and no response to verify this item which is XXXX, XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I am attaching a copy of that letter and I sent a second letter on XXXX under tracking number ( XXXX XXXX XXXX XXXX XXXX XXXX to notify Equifax that 45 days have past and to delete this item from my credit report and they have not, which is a violation of 15 U.S.Code section 1681i- Procedure in case of disputed accuracy. 

I also sent a letter to Equifax to reinvestigate two items on credit report which is XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX It has been over 45 days and still no response and this is a violation of 15 U.S. Code section 1681i- Procedure in case of disputed accuracy. 

This is hurting my chance of getting a house and is not acceptable I also sent them my state ID and proof of residence.
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

In XXXXXXXX XXXX XXXXXXXX, I was being pre certified from a Mortgage Lender and I had to address a reported Debt from XXXX XXXX XXXX of XXXX was told the debt was closed.written off.Closed due to Covid 19.I owed nothing. 
VA mortgage was approved I had no collections then and to date there are no collections on my credit reporting agencys. 
I am XXXX yrs old and purchased a home XXXX. 
Mary Jane Elliott P.C.firm. sent me a pretrial form Over a XXXX XXXX XXXX again debt of XXXXVerified Closed. 
Mary Jane Elliot P.C. firm sent me-Manipulated XXXX XXXX statements from XXXX through nove XXXX. With identifing me and me address.But the dates of purchases are incorrect, The balances are incorrect and my payment amounts are incorrect.All amounts seem to be manipulated to show a balance of XXXX that is not mine and I do not owe the original creditor, XXXX XXXX with XXXX as the credit giver. 
My credit limit was never higher then XXXX Collections manipulated limit increase to XXXX to account for the absorbant fees and interest charges added to balance..This account was in dispute XXXX Over a defective laptop purchase. 
Mary Jane Elliot, Attorney P.C. collections for XXXX XXXX XXXX closed debts. 

This firm is trying to force me to pay a debt.I do not owe this debt of XXXX to XXXX XXXX XXXX. 
I know my rights are violated under the fair debt and collections act.I have asked this court case now to be heard on XX/XX/XXXX be dismissed on XXXX XXXX because Mary Jane Elliot says I owe this debt. 
I produced a collection form from XXXXXXXX XXXX  for XXXX XXXX from XXXX my credit reports whoing the account closed written off in XXXX XXXX XXXX XXXX removed themselves from XXXX  reporting agencys there is no debt owed to them or the original debt holder. 
XXXX XXXX said he would revisit this in 89 days.Court in Michigan XXXX district court on XXXXXXXX XXXX XXXXXXXX Mary Jane Elliot continues after 1 year of harrassments.On the court date of XXXX Sends me a Stipulated order on my dismissal motion that I agree to pay XXXX at XXXX dollars a month.On a debt that they manipulated documents to reflect a balance of XXXX. That I do not owe. 

And I do not owe XXXXI should not have to pay anything.They should pay me for Harrassment. 

These created and manipulated billing statements from XXXX advantage Credit; Had my name and address correct. 
The merchandise purchase dates and payoff payments were not reflected.As the double fees were removed. 
These deb collectors should be charged for false documentation to collect a debt not owed. 
I can fax credit reports documentation showing account closed In XXXX and removed in XXXX for unable to verify.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX is fraudulently reporting to all three credit bureaus that I am delinquent and that my balance is XXXX. When in fact I am current with a spending balance and my credit balance owed is only XXXX. This is not the first time XXXX  has reported false balances. They do it right after every payment Ive made. They then send me a text with the wrong balance and later correct it. This error however has hurt my credit and livelihood. Im a victim of identity theft and right now Im under a lot of stress from fighting to fix all of that and XXXX XXXX is only adding to that stress with this issue.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I transferred monies ( {$4000.00} ) from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Commenity Bank. Unfortunately I misread the credit card number of the Commenity Credit Card account. When I did not see the transferred funds applied to my account, I contacted Customer Service and was told it could take 90 days to be applied. 

On XXXX XXXX I sent a message to Commenity Bank regarding this transaction along with the transaction details provided by XXXX XXXX. At this point I was informed that it would take up to 90 days for resolution and no interest would be charged on the disputed amount. 

On XXXX XXXX there was not response. On Friday, XXXX XXXX I placed a call to Customer Service and was told that I would receive a response within two weeks. Again, the 2 weeks went by with no response. And i believe that monthly interest has been charged on the disputed amount. 

I called again and was connected to XXXX ( operator # XXXX ) who escalated my complaint. 
It is now elevated to Senior Account XXXXXXXX XXXX XXXX. They said I would receive a letter in the mail regarding the resolution. 

On Monday, XX/XX/XXXX Commenity Bank will no longer handle the credit card transactions for XXXX XXXX XXXX XXXX. The credit card accounts will be transferred to XXXX XXXX. When I asked about the balance on Commenity card, I was informed it would transfer to XXXX XXXX would then have the balance. 

The next email correspondence, XXXX XXXX informed me that it could be another 90 days before this is resolved. 

I cannnot wait for 6 months to pass before this incident is resolved.