davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (IL)

This account back on XX/XX/XXXX was showing as closed account, Now it is showing as an open account and i was not notified of any update to this account stating it would be reopened. I am supposed to be notified in writing 5 days before that this account would be shown as open and readded to my credit report. Now it is showing 21 late payments when back in XXXX it was not showing any at all. Why is this company readding information and re opening this account status and i was not notified before hand. This company in the past has been known to report inaccurate data and no one will remove this account off my report because of that
Consumer complaint received 2019-11-04
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: Collection Information Bureau, Inc. (FL)

This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2019-11-04
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: Commonwealth Financial Systems, Inc. (FL)

This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2019-11-04
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. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS DEPT OF EDUCATION/XXXX  XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX   XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine DEPT OF EDUCATION/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine U S DEPT OF ED/XXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine U S DEPT OF EDXXXX XXXX not mine XXXX XXXX XXXX XXXX not mine PXXXX  XXXX XXXX XXXX not mine
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resolve Partners, LLC (OH)

RESOLVE Partners is continuing to furnish inaccurate information on my consumer report. A second Adverse Action Notice was delivered on XX/XX/2022, in regards of the credit application with XXXX XXXX On this second Adverse Action Notice it states that I have multiple collection accounts as well as other delinquent accounts that is not accurate. I've sent notices to RESOLVE Partners about this inaccuracy reporting, and the issues has still not been resolved. RESOLVE Partners is also still furnishing inaccurate information about me containing that I have a XXXX XXXX on my consumer profile as well, all of which is 100 % inaccurate!
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX and I have been fighting Equifax for some time now. They have my birthday incorrect and even after several attempts to get them to fix it they still have it wrong. I have supplied them all the information they need to investigate the information and they still report it incorrectly. I am not sure if they don't read English or what but the information they listing is wrong. I have called them, written them and still they refuse to fix their incorrect information. The birth date they are reporting is associated with fraud and they should have done more at that time instead of trying to lock everything with the wrong information! I was a victim of fraud and using that incorrect information also shows an account with XXXX XXXX which is not mine.
Consumer complaint received 2022-07-07
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. (PA)

I am submitting this on my own behalf, no third party is involved. Experian has ignored and/or not address the multiple correspondences I have sent them accordingly with the law. There is a bankruptcy record on my report that needs to be DELETED immediately. This company could not show proof of their investigation and how it was verified. The record MUST be deleted because it also had multiple inaccuracies which I proved by showing Experian the other consumer reports with XXXX and XXXX. I gave them my written authorization to get this item removed, therefore by law, Experian needs to comply. Two of the various violations they have taken while investigating are included in the attached invoice.
Consumer complaint received 2019-11-04
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: EQUIFAX, INC. (FL)

I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IA)

Hello, I am the attorney for XXXX XXXX, who lives at XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX. XXXX provided my law firm authorization to request a mortgage payoff - she is currently in default, but has sold her home. I contacted Freedom Mortgage with a written request for payoff with my authorization. My request was e-mailed on XX/XX/2019, and I received an e-mail response my request was received. 

I contacted Freedom Mortgage on XX/XX/2019, as I had not seen a payoff statement. I was informed her loan was in default and the payoff would take 5-7 days. I explained they received my request 7 days earlier ... I've since been told they did not initiate the payoff until XX/XX/XXXX after receiving my call. 

As part of the payoff process, Freedom Mortgage has to request attorney fees from the foreclosure attorney. I have also e-mailed and telephoned the law firm requesting they provide Freedom Mortgage their fees. I've yet received a reply. 

I am currently on hold with Freedom Mortgage once again. During this conversation, Freedom advised me they will not contact their own foreclosure attorney to obtain their fees. They simply make the request. Freedom offered to give me the law firm 's contact information so I might contact them. They indicated whenever they get the information they will complete a payoff, but are not going to do anything assertive to actually obtain the foreclosure fees to complete a payoff. 

We are almost 3 weeks after the initial inquiry and still no written payoff. Please help.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (VA)

I do not owe a debt to this collection agency. This collection purchased this debt from another collection agency I had removed on my credit and have been on my credit report for over six years. Statue of Limitations for Virginia requires this collection agency to stop trying to collect a debt thats not mine.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BERKSHIRE HILLS BANCORP, INC (NY)

My problems all started when my wife and I needed more money than we had originally borrowed on a home equity loan. We applied for the new home equity in XXXX of 2021. We originally borrowed {$40000.00}. We asked for {$55000.00} on the new one, so they closed out the one for {$40000.00} and created a new loan. Instead of closing out the home equity loan they closed out my original mortgage. They took the money from the home equity loan to pay off the home mortgage. While all this was going on they were switching the mortgage payments over to XXXX XXXX  XXXX XXXX I paid my mortgage in XXXX and XXXX for {$590.00}. They closed out the account in XXXX. There was also payments made on the Home Equity loan for {$400.00} for XXXX and XXXX. I also sent the bank {$2000.00}. I was sent some documents form the XXXX, NY office of changing my interest rates on both loans to make up for their mistake. They were going to change the mortgage to 2.5 % and the home equity to 3.125 %. They were also suppose to take out my mortgage and home equity out of checking accounts with XXXX XXXX  and Berkshire Bank.
Consumer complaint received 2019-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I contacted XXXX XXXX on XXXX initially in XX/XX/2019 to get a quote on fixing or replacing cracked tile in my shower as well as cleaning the stone floor. He came by to see the job in person and gave me a quote. I didnt have the money at the time so I told him I would keep him in mind. Fast forward to the beginning of XXXX, I reached out to him again on XXXX on XXXX to setup a time for him to come and complete the job. It took him a few days to respond as according to him, he was experiencing technical issues with XXXX. I didnt hear back from him until XXXX where I gave him my number to call me to setup a time. He was originally supposed to come on XXXX but due to fires he couldnt so we reschedule for XXXX. He came at XXXX XXXX with another gentlemen and started the work on the shower floor which was fixing cracks and cleaning/sealing. He told me it would take about XXXX hours for the sealant to dry and I had to leave to get my kids from school. He asked when he could come back to finish the job which was fixing the cracks in the tile on the wall and cleaning the grout and I told him I would be available on Tuesday, Thursday and Friday. We both agreed he would come back on Friday XXXX. Before he left he was supposed to provide me with the invoice to pay and he was again having technical issues. He left and later that night he emailed me the invoice and I paid via XXXX from my bank account with Navy Federal. Well Friday came and went and he never showed up even after I sent him a text message asking if he was gon na show up. He responded to me that Saturday XXXX saying he was dealing with fire restoration and asked if we could reschedule for the upcoming week. I Provided him with my availability and he never responded. I then reached out to XXXX who started an investigation. They reached out to him numerous times and he never responded so they suspended his account. I then received a message from him on XXXX saying his truck was stolen with his equipment and it would take a week or two to recover. By this time myself and my husband were already XXXX this guy never contacted us and didnt reach out until XXXX suspended his account. He then requested I reach out to XXXX  and let them know he reached out to me so they can unsuspend his account. The rep with XXXX even expressed concern that he didnt reach out until his account was suspended. As of today ( XXXX ) the job has still NOT been completed and XXXX has XXXX not reached out to us for resolution. I filed a dispute with my bank who denied it saying because I used XXXX I can not get my money back and XXXX says they will not give me my money back since they completed the transfer.
Consumer complaint received 2022-07-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

I reviewed my contract and found many violations under 15 USC in it. On XX/XX/2022, I sent notarized and certified mail to TitleMax Legal Department and requested a Cease and Desist, and Debt Validation which included for them to provide the following : 1. Agreement that grants them the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims made by any creditor regarding this account. 4. Name on the file for the alleged debtor. 5. Amount of alleged debt became payable. 6.Complete accounting o alleged debt. 7.Trail audit of the debt. 8. XXXX out the balance and close the account. 9. Return my title lien free and clear back to me. 10. As well as the name and address of the bonding agent. They responded on XX/XX/2022, with a copy of the contract that I already have as well as previous ones. They did not show proof of any of the above nor how they investigated the debt nor did they show proof of the investigation. I couldn't access the online portal so I went into the store, the manager, XXXX, she stated the account was closed, they couldn't contact me called the XXXX  or XXXX, XXXX and he stated he'd request corporate call within XXXX. I couldn't access the portal nor would accept a payment in the store. I didn't receive a call until XX/XX/2022. XXXX from corporate asked for me, told me where she was calling from and that the line was being recorded. I asked her to hold and stated that my line was being recorded as well. XXXX stated she could no longer speak with me on while I'm recording and she hung up. Around XXXX on XX/XX/2022, I called the local office and spoke with the XXXX, XXXX XXXX She just read what was in the notes, stated I will be up for repo soon and she read the statement XXXX made about me recording her.
Consumer complaint received 2023-06-03
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. (TN)

In accordance with the fair credit reporting XXXX XXXX Acct # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have contacted Equifax and ask them to remove accounts out of dispute status at this time yet they have failed to do so. 
I, XXXX XXXX, CURRENTLY DO NOT DISPUTE THE FOLLOWING ACCOUNT XXXX XXXX XXXX SERVICES XXXXXXXX XXXX XXXX XXXX XXXX EITHER AS REPORTED ON MY CREDIT REPORT OR DIRECTLY WITH THE CREDITOR. I REQUEST THAT THE INDICATION OF A DISPUTE IS REMOVED FROM MY REPORT. IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO REACH ME AT XXXX.
Consumer complaint received 2022-07-07
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. (NY)

According to XXXX and Transunion I have late payments on my XXXX XXXX account for the month ( s ) and year ( s ) as follows XXXX XXXX XX/XX/XXXX. I spoke with a representative in XXXX of XXXX at XXXX XXXX and had an agreement to where if I payed what I owe all derogatory remarks for the time frame mentioned above would be marked as payed on time. I payed as agreed and the derogatory remarks was not updated. I made a dispute and nothing was done. I got back on track with on time payments. XX/XX/XXXX my daughter was murdered on her birthday. I fell into XXXX and could not make payments due to funeral fees and XXXX. I reached out to XXXX XXXX in XXXX and explained my situation and asked can we make a payment agreement. I was offered a high amount to pay that I could not pay at the time which XXXX XXXX was aware of and they continued to report derogatory remarks on my credit report. Then Covid hit and I lost my job.They had no sympathy for the hard time I was facing. the information on this account is inaccurate therefore it should be deleted.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. This account does not belong to me please remove 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 2019-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc. (OH)

Re : Notice for Proof of Claim Account : McCarthy, Burgess & Wolff # XXXX To Whom it may Concern : This is a final notice and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill,  or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. 
I also request to see a certified copy of any contract or agreement between you and XXXX XXXX, XXXX that gave you the right to collect this debt Account No. :XXXX
Consumer complaint received 2020-02-08
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: Cascade Collections LLC (UT)

On XX/XX/XXXX Company I had no knowledge of Cascade Collections was on my credit report. Account in this complaint was disputed, Cascade Collections could not meet the requirements defined by FCRA 15 U.S.C. 1681 so account listed in complaint was deleted from credit reports. See Credibility from XXXX  in attachment. 

XX/XX/XXXX Cascade Collections put account listed in complaint that could not previously comply with FCRA 15 U.S.C. 1681 back on credit reports. See Credibility from from XXXX XXXX in see attachment.

PROVIDE PROOF TO ME AND THE CFPB YOU FOLLOWED MY RIGHTS DEFINED BY 15 USC 1681 623 ( a ) ( 7 ) referred to as early warning notice '' WHEN YOU ADDED ACCOUNT IN COMPLAINT ON OR AROUND BACK ON TO CREDIT REPORTS XX/XX/XXXX