davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-02
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: ONEMAIN FINANCE CORPORATION (TX)

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  reporting payment status as collection/charge-off, comments states payment after charge off/ purchased by another lender, Who was this??????. and date of last payment as unknown. XXXX  reporting as payment status as collection/ charge off, comments status purchased by another lender, Who was this?????????. and date of last payment was XX/XX/XXXX. XXXX  reporting payment status as collection/ charge-off, comments status consumer disputes, and date of last payment was XX/XX/XXXX and two-year payment history is reporting current history. Per your reporting different information between credit agencies, which makes this information invalid, which has caused denial of current and future funding, delete this account per violation. 

Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? In addition, if was sold to another lender, Who??????. how can and account be paid and sold to another lender at this same time????????? 

Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different information between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, but sold to another lender, which has hurt my financial situation., which has caused denial for of current and future funding. In addition, if the account was paid and sold to another lender, then you have no legal right to still collect on this account, delete this account per violation. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review, as this a current and valid information.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Certegy Holdings, LLC (NV)

I have been trying to place a freeze on my personal consumer information but they have made it difficult for me to do so. I want this done because they furnish my personal information to 3rd parties without my consent. I also understand my rights under federal law.

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 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as XXXX days late.
Consumer complaint received 2020-03-02
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. (TX)

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  account type as derogatory, Experian account status as paid, and XXXX  account status as paid, which you are reporting different information between agencies, which makes this account invalid, delete per violation. Secondly, XXXX  reporting payment status as collection/charge off, Experian payment status reporting current, and XXXX  payment status as current, you are reporting different information, which makes this account invalid, delete per violation. Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different account status and payment status between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, which has hurt my financial situation., which as caused denial for of current and future funding. In addition, if the account was paid, then you have no legal right to still collect on this account. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review.
Consumer complaint received 2021-12-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS ( XXXX ) has misrepresented me by using a much lower XXXX score I have just received documents from SLS ( Specialized Loan Servicing ) on XXXX ( see attachment with errors ) We have rented rooms out to roommates/tenants to help us with our 1st mortgage monthly payment of {$4200.00} and other maintenance expenses. 

Second Mortgage - Original loan of {$180000.00} by ( XXXX XXXX XXXX ) XX/XX/XXXX to XXXX, then XXXX Then SLSXXXX ( new creditor ) After disclosing all the options with our tax adviser, he recommends the option ( in XXXX ) would be practical ( see attachment ). 
Other option offered in XXXX of XXXX, ( see attachment ) will force us to be default or foreclose later or bankruptcy Now it has increased to {$400000.00} because of the High-interest rate ( as we were victims of the predatory lending in XXXX ) SLS/XXXX refused HUD-assisted modification package SLS/XXXX has created its own MODIFICATION, demanding an {$80000.00} cash down payment with a high-interest rate on the balance of {$320000.00}. 

Due to family difficulties and additional financial expenses during the COVID LOCKDOWN AND UNEMPLOYMENT, we have used up our savings to maintain. 

SLSXXXX refused to give us an affordable modification SLSXXXX threatens us with Foreclosure as its now in Pre-foreclosure status SLS XXXX XXXX XXXX this company appears to not follow the California state laws and should be investigated. 
SLS is very abusive and unprofessional by phone SLS refused to communicate or correspond by email Specialized Loan Servicing ( SLS ) representing creditor ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WA)

On XX/XX/2021 ( XXXX ), I tried to get information on my current mortgage and to get XXXX services to be able to go online and see information pertaining to my mortgage. XXXX XXXX refused to assist and would not help me at all. I have been either on hold or transferred to other places within Suntrust and not given any assistance. I have been hung up on 3 times and can not get any assistance. 

This treatment is not new with Suntrust ; this institution makes it impossible to get any one on the phone in any timely manner. Today I have been on hold for XXXX plus hours, and this is not new. I wonder XXXX what " legal auspices '' is Suntrust refusing to assist the banking customers? 

I will continue to file complaints in regards to this.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$4000.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$9100.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-03-02
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. (TX)

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  reporting payment status as collection/charge-off, comments states payment after charge off/ purchased by another lender, Who was this??????. and date of last payment as unknown. Experian reporting as payment status as collection/ charge off, comments status purchased by another lender, Who was this?????????. and date of last payment was XX/XX/XXXX. XXXX  reporting payment status as collection/ charge-off, comments status consumer disputes, and date of last payment was XX/XX/XXXX and two-year payment history is reporting current history. Per your reporting different information between credit agencies, which makes this information invalid, which has caused denial of current and future funding, delete this account per violation. 

Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? In addition, if was sold to another lender, Who??????. how can and account be paid and sold to another lender at this same time????????? 

Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different information between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, but sold to another lender, which has hurt my financial situation., which has caused denial for of current and future funding. In addition, if the account was paid and sold to another lender, then you have no legal right to still collect on this account, delete this account per violation. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review, as this a current and valid information.
Consumer complaint received 2020-03-02
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)

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  reporting payment status as collection/charge-off, comments states payment after charge off/ purchased by another lender, Who was this??????. and date of last payment as unknown. XXXX  reporting as payment status as collection/ charge off, comments status purchased by another lender, Who was this?????????. and date of last payment was XX/XX/XXXX. Equifax reporting payment status as collection/ charge-off, comments status consumer disputes, and date of last payment was XX/XX/XXXX and two-year payment history is reporting current history. Per your reporting different information between credit agencies, which makes this information invalid, which has caused denial of current and future funding, delete this account per violation. 

Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? In addition, if was sold to another lender, Who??????. how can and account be paid and sold to another lender at this same time????????? 

Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different information between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, but sold to another lender, which has hurt my financial situation., which has caused denial for of current and future funding. In addition, if the account was paid and sold to another lender, then you have no legal right to still collect on this account, delete this account per violation. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review, as this a current and valid information.
Consumer complaint received 2019-01-31
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. (UT)

While trying to qualify for a mortgage, my lender indicated that there was several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me were not associated with me and I have no idea what these negative items are about.
Consumer complaint received 2024-06-13
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC (NY)

Name : Jefferson Capital Syst Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contact Information : ( XXXX ) XXXX Product : Debt Collection Description of the Complaint : I am filing a complaint against Jefferson Capital Syst for violating my rights under U.S. Code, Title 15. They obtained my personal information illegally without my consent, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

When I called them to issue a cease and desist order, I was surprised to find out that this was not the first time they had violated my rights. Jefferson Capital Syst admitted to repeatedly violating my rights by accessing my personal information without consent. Additionally, reports show the account with incorrect balance. I did not consent to the original creditors to share or sell my personal information to them.

Unauthorized Access to Personal Information : Jefferson Capital Syst obta
ined my personal information without my consent, in violation of 15 U.S.C. 1681b ( FCRA ).

Estimated number of violations : 1.

Misrepresentation and Incorrect Reporting : Jefferson Capital Syst reported accounts with incorrect balances, violating 15 U.S.C. 1692e ( FDCPA ).

Estimated number of accounts with incorrect balances : 1. 
Repeated Violations : XXXX XXXX XXXX has a history of repeatedly violating my rights. 
Estimated number of previous violations:1.
Consumer complaint received 2023-02-04
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2022-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

LVNV Funding LLC is currently trying to operate outside of their jurisdiction and attempting to get a payment from me for a debt that is not my own. They have provided any correct information and are illegally handling the situation.
Consumer complaint received 2020-03-02
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. (TX)

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Missouri XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states for XXXX  account status as derogatory, Experian account status as Closed, XXXX  account status as derogatory, so 2 credit agencies are reporting as derogatory, but Experian reporting as closed, which means not derogatory. As a creditor, you can not report different information between credit agencies, which is a violation, so delete this account immediately. Secondly, XXXX  reporting a high credit of XXXX, Experian reporting a high credit of XXXX, and XXXX  reporting a high credit of XXXX, you can not report different credit limits between agencies, so delete this account per violation. Third, XXXX reporting payment status as collection/ charge off & comments as transferred to another lender, Experian reporting payment status as late 120 days and Comments as purchased by XXXX XXXX XXXX XXXX , and XXXX   payment status as collection/ charge off and comments as consumer disputes. You are reporting different payment status, and comments between the credit agencies, which make this information invalid, and you are reporting this debt as it is due to you, but you stated it was sold. This is clearly a violation, delete this account immediately per violation. 

You can not report an account that you have no legal right to collect because, You do not have a verbal or original written contact with my bearing my signature on it, stating you have the right to collect. In addition, you are reporting the debt as sold. I have enclosed a snapshot of my credit report showing the reporting/ proof. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with bearing my signature and please do not reply with a copy of an copies of credit card statements, or information from third party collection agency, as this do not validate the right to collect and will not hold up in court.