davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I HAVE DISPUTED THIS ACCOUNTS OVER 4 TIMES FOLLOWING EVERYTHING THAT HAS BEEN ASK FROM ME, HOWEVER I HAVE ASK 3 TIMES FOR TRASUNION TO PROVIDE VERFICATION OF THIS ACCOUNTS BEING MINES WHICH TRASUNION HAS FAILED TO PROVIDED. *** ALL THE ANSWER I GET IS " ACCOUNT HAS BEEN VERIFIED AS ACURRATE ''. WITH NO VERIFICATION PROVIDED.. THIS ACCOUNTS ARE NOT MINES. PLEASE DELETED THIS CCOUNTS OF M CREDIT REPORT AS IT'S AFFECTING MY CREDIT REPORT AND IT NOT RIGHT. XXXX # XXXX, XXXX # XXXX XXXX  XXXX XXXX  XXXX.
Consumer complaint received 2018-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (GA)

On XX/XX/2018, a new collection account was added to my credit report by Credit Management , LP, in the amount of {$330.00}. I have previously disputed this debt with the XXXX  ( XX/XX/2018 ) because I had no knowledge of this account, nor had I received any phone or mail communication regarding the debt. Again, I still have not received any communication, yet the collection account has shown up on my credit reports again, causing a significant drop in my credit scores. I would like the inaccurate information/debt removed from my credit reports as soon as possible.
Consumer complaint received 2021-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer ; I would like to thank you for the opportunity to address my concerns regarding third parties XXXX XXXX XXXX XXXX ( XXXX  ) ( Debt collector ) Charged Off by Capital one Capital One Financial Corp. My account Original Account Number is XXXX or XXXX. MCM has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) I ( consumer ) Have notice MCM was furnishing allegation of an alleged debt for {$590.00} to the consumer reporting agency without the prior consent. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) This debt collector was not given prior consent from me to communicate with me in connection with the collection of any debt, which I would like XXXX  to provide me my writing consent of such action. If request can not be provided this will be direct violation of 15 U.S. Code 1692c ( a ). During the initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) XXXX  has harassed me to coerce payment on a debt, they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This XXXX  ( Debt collector ) has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt to XXXX  ( debt collector ) which they have removed off my consumer report. I the original creditor im requesting Actual and statutory damages brought by Defendant XXXX XXXX XXXX XXXX For violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices This is a violation of 15 usc 1692g ( 5 ) .I request All further collection efforts against I ( XXXX ) with regard to the accounts, any negative credit reporting be removed of any database. in addition, to the damages I'm requesting XXXX  XXXX XXXX ( XXXX XXXX to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.
Consumer complaint received 2020-11-25
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)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : 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 I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2022-01-08
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I opened a secured credit card three years ago. Since then the company has increased the limit of my " secured '' credit card to {$5000.00} from {$500.00}. {$500.00} was the deposit that i had made to open my secured credit card. When i ask for the XXXX $ back, the company refuses to give it back citing that it is a secured product and is unwilling to upgrade me to a unsecured card despite having a very good credit history and great credit score.  They say they have no process to upgrade and the customer can't ask for an upgrade. My XXXX $ deposit is sitting locked up without me being able to earn any interest on it.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NC)

Dear CFPB, I am writing to file a complaint against LVNV FUNDING LLC for violating the Fair Debt Collection Practices Act ( FDCPA ). 

Nature of the Complaint LVNV FUNDING LLC has contacted me regarding a debt they claim I owe. However, they have failed to comply with several key provisions of the FDCPA : Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : I have not received any written communication from LVNV FUNDING LLC providing validation of the debt, including the amount, the creditor 's name, and my rights to dispute the debt. 

Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a fair and meaningful opportunity to dispute the validity of the debt.

False or Misleading Representations ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) ) : By placing a collection on my credit report without proper validation and dispute opportunity, LVNV FUNDING LLC is using false, misleading, and deceptive means to collect the debt.

Request for Relief I request that the CFPB investigate these violations by LVNV FUNDING LLC and take appropriate action to ensure they comply with the FDCPA. This may include : Ordering LVNV FUNDING LLC to cease all communication regarding the debt until they have provided proper validation. 

Ordering LVNV FUNDING LLC to remove the collection from my credit report if the debt is not validated. 

Ordering LVNC FUNDING LLC to pay any damages caused by their violations. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (NC)

I checked my credit report and XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX reports that I am delinquent. This matter was part of a bankruptcy filed in XX/XX/XXXX and discharged in XX/XX/XXXX. XXXX reports delinquency ever so often to ruin my credit. It is well past the statutory 7 years for XXXX make reports, XXXX is maliciously making a false report. I called XXXX who took it off my credit report. XXXX suggested I call XXXX. I called the bankruptcy department XX/XX/XXXX and the woman I spoke to wanted my phone number and told me this was the wrong department that I had to speak to the credit reporting department they would call me back. I waited several hours and I called again this time a different woman asked the same questions and said the woman I talked to is on the phone only she can handle your question. I told her what I was told regarding the credit reporting department. She said there is no credit reporting department that the woman I spoke to would call me back. When the woman did not call back I called their customer service number and was told there is no credit reporting department I must talk to bankruptcy department. I said why did that woman tell me there was a credit reporting department and did not help me then?
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (GA)

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with PERSOLVE XXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Consumer complaint received 2022-01-08
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2017-01-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (CA)

On XX/XX/<YYYY> I got in touch with the Loss Mitigation department from LoanCare where they were asking for my XXXX COMPLETED SIGNED AND DATED BY ALL to be signed and completed by all. This was part of the requirement in addition to the XXXX that I submitted. I followed up with Loss Mitigation on XX/XX/2016 via email and voicemail, but havent heard back from them. I called them today as well and am still waiting to hear back on where we are with the form. I placed a call but get disconnected when I enter my information or try to login to my account online to schedule a payment. It is almost a month since I heard from them regarding this form and would like an update.
Consumer complaint received 2022-08-05
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. (IL)

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, and XXXX XXXX  account number XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

15 U.S.C. 1681 SECTION 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

I did not give them written instructions.
Consumer complaint received 2019-03-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I was in a modification process & Wellsfargo bank purposely delayed the process of my loan modification and never got in contact with my lawyer office on any issues and never communicated with my bankruptcy lawyer. To make it more complicated they switched home Presavation specialist every month or so ... So I would get lost in the process & they also took me out of the loan modification process so they can quickly close my case and take the house
Consumer complaint received 2019-03-04
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. (FL)

On XXXX and TransUnion and XXXX Credit reports are 2 inaccurate 's which are 2 inaccurate accounts which are the 2 XXXX XXXX XXXX XXXX Accounts the first account list placed for collection when I paid the account balance in full It's listed on the account that I paid the account balance in full but should state it where the place for collections should say account balance paid in full the Second account balance is paid in full as well and it states it on the account both are inaccurates
Consumer complaint received 2021-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (UT)

Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer ; I would like to thank you for the opportunity to address my concerns regarding third parties Midland Credit Management Inc ( mcm ) ( Debt collector ) Charged Off by XXXX XXXX XXXX XXXX XXXX XXXX My account Original Account Number is XXXX or XXXX. MCM has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) I ( consumer ) Have notice MCM was furnishing allegation of an alleged debt for {$590.00} to the consumer reporting agency without the prior consent. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) This debt collector was not given prior consent from me to communicate with me in connection with the collection of any debt, which I would like MCM to provide me my writing consent of such action. If request can not be provided this will be direct violation of 15 U.S. Code 1692c ( a ). During the initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) MCM has harassed me to coerce payment on a debt, they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This MCM ( Debt collector ) has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt to MCM ( debt collector ) which they have removed off my consumer report. I the original creditor im requesting Actual and statutory damages brought by Defendant Midland Credit Management Inc For violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices This is a violation of 15 usc 1692g ( 5 ) .I request All further collection efforts against I ( XXXX ) with regard to the accounts, any negative credit reporting be removed of any database. in addition, to the damages I'm requesting XXXX XXXX XXXX  ( XXXX ) to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.
Consumer complaint received 2021-03-26
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. (NM)

I have 16 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit. Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. I know these items are not to report neg payments after they are included in a discharged Bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. I have enclosed a copy of all the neg reporting info showing up on my credit reports and a denial of credit letter.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LAKEVIEW LOAN SERVICING, LLC (KY)

Since mid XXXX I have been trying to get XXXX to correct my payment history. They have reported a payment of more than 30 days late in XXXX of 2019. When I call to talk to them about the issue they state that their records show I made the payment on time and that they are reporting it correctly. However it is still being reported as more than 30 days late on my credit report. I have filed disputes starting in mid XXXX with the credit bureaus that did not fix the problem. I have now filed multiple disputes with XXXX internally that have so far not fixed the problem. Each time they come back and say they are reporting it correctly and I have to start the process over again which takes weeks. I have made multiple phone calls and been on the phone for multiple hours trying to get them to update my payment history correctly and each time am told the dispute is in process or the dispute is done and they found their information to be correct. As of today my credit report from all three bureaus still shows a payment of more than 30 days late in XXXX of 2019 after hours on the phone and multiple disputes for the last three months I will include a payment history provided to me from XXXX showing that I made the payment on XXXX the XXXX of 2019. I will also include a picture of my payment history as it has been reported to all three bureaus by XXXX. Their refusal to investigate this issue thoroughly and fix their error is causing me financial harm. I am unable to gain pre-approval for a home loan I need to help house my family.
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

On or about XX/XX/XXXX, we applied for a loan with XXXX ( now XXXX XXXX ) for a second mortgage. We entered into a contract on XX/XX/XXXX for a line of credit, in the sum of up to {$100000.00}. The contract consisted of a closing on the same date and we were advised that flood insurance was not required. We are informed and believed that the bank had an erroneous Flood Determination but in fact our house was in a Special Flood Zone Area. In addition, the mortgage claims a lien on Lot XXXX, XXXX XXXX XXXX XXXX XXXX  THE CITY OF XXXX, XXXX  XXXX, NORTH CAROLINA RECORDED IN PLAT BOOK 38, PAGE 17 when in fact our lot is 133, Section 4, Cross Creek Subdivision, in Map Book 38, Page 17 and that lot 113 is clearly not in a Special Flood Zone Area. This error clearly made the bank fail to comply with the National Flood Insurance Reform Act of 1994. 
In addition and coincidentally, at approximately the same time we received notice from XXXX  XXXX XXXX that our lot was no longer in a Flood Zone and that we did not need Flood Insurance. We believe that the error regarding the lot number and because of communication between the first and second mortgage holders regarding the erroneous lot and flood insurance requirement, {$170000.00} worth of Flood Insurance expired. 
On XX/XX/XXXX, Hurricane Florence flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly and according to the DCMS Loss Verification Report by the Small Business Administration, the home is irreparable based on depth and duration of flooding. Attached is all the supporting documentation.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC (SC)

In accordance with the Fair Credit Reporting Act ( Sequium Asset Solutions LLC ). They have violated my rights using the 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 instructions. It is reporting to my XXXX credit report and in the amount of {$2300.00}. The account number is XXXX. I have not received any validation letter or notice.