davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (PA)

Lvnv/resurgent is trying to collect on a debt thats not owed. Original creditor charged off debt. IIRS defines charge off as 1099c cancellation of debt. 

I have no contract with this company yet they are trying to collect on a debt not owed. 

I am aware they purchased the debt however they can not purchase my non public and personal information. 
I have no obligation to this company I have no contract. They have not provided a contract They have been reporting a debt when XXXX XXXX XXXX  was paid They have not followed FCRA guideline 15 usc 1681 thats you need consent to furnish my information. I have had a cease and desist in place yet they still continue to furnish information. 15 Uac 1692c What does 15 USC 1692C mean ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On any all mediums ( reporting ) Attached are ftc fraud compliants attorney general consumer fraud complaints 3949a investigation form two exhibits showing the reports of lvnv reporting on my credit report.
Consumer complaint received 2022-02-09
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. (NY)

I have sent numerous Messages in writing via XXXX certified mail to each credit reporting agency indicating inaccuracies on my credit report. XXXX XXXX finance has been contacted by the dealer that leased me a vehicle to have these items removed from my report and nothing has been done to date. XXXX Student Loans have been on deferment and have been current to date. Latenesses should have been removed as I have requested many times in writing. Unauthorized hard inquiries where my information was not verified should not be on my report. Inquiries for credit cards where my information was not verified and no new credit was obtained should be removed from my credit report.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

CFPB please take note of this fraudulant activity. 


Why was my Personal Banking and Checking accounts PURGED by your Wells Fargo Manager at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX? 

Please state your Wells Fargo rationale from this manager? 

Why was I laughed at by two male employees in another Wells Fargo XXXX, AZ branch who reported this managers activity? 

Why was I treated differently and discriminated against? Why were other customers treated differently? 

Does this fired manager 's activity reflect in the countinuous denial of my court ordered XXXX settlement check? 

What is your answer in regards to my overly due delayed XXXX for years settlement check? 

Please explain why you are harassing me and withholding my XXXX COURT ORDERED SETTLEMENT check?
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc. (FL)

I TALKED WITH A REPRESENTIVE AND ASK CAN THEY SEND ME A COPY OF THIS CONTRACT OR INFORMATION ON ME OPENING UP THIS ACCOUNT WITH THEM OR WHAT ADDRESS THIS ACOOUNT WAS OPENED UP I DID NOT GET A REPONSE FROM THEM
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XXXX of XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XXXX and XXXX you have no payments at all reflected, I can understand XXXX but NOT XXXX and XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.
Consumer complaint received 2017-04-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NE)

I am writing abo ut Navient (   XXXX   XXXX   ) . I cosigned  XXXX  loans - the first in  XXXX   XXXX  and the second in  XXXX   XXXX . The first had an interest rate of 12.25 % and the second had a rate of about 10.5 %. The total principal borrowed is {$16000.00}.   Based on the payment plan given by Navient, the first loan was supposed to be paid off in  XXXX   XXXX . To date I have paid over {$12000.00} yet Navient says we owe {$16000.00}!!!! This does not seem right. Where are all the payments going? After all these year the loan balance is even higher!! How?   The loan history report does not show the remaining balances after each payment
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Between XXXX/XXXX/15 and XXXX/XXXX/15 I have had XXXX hard inquiries appear on my Transunion credit report. XXXX inquiries through XXXX, XXXX through XXXX and XXXX through XXXX XXXX XXXX. All of these inquiries were an attempt to get credit cards with my identifying information. I have put a credit freeze on my information and credit alerts through Transunion. I also received a letter from XXXX indicating that XXXX hard inquiries were made to my credit report by XXXX. XXXX reported that they have been hacked. I want all of these hard credit inquiries taken off my credit report due to the fact that I have never applied to these companies for credit cards or other services. These hard inquires are causing by credit scores to go down.
Consumer complaint received 2023-03-19
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. (OH)

I was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is a Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broke the law because these damages are fraud and I am trying to move forward.
Consumer complaint received 2022-02-09
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. (NY)

I have sent numerous Messages in writing via USPS certified mail to each credit reporting agency indicating inaccuracies on my credit report. XXXX XXXX finance has been contacted by the dealer that leased me a vehicle to have these items removed from my report and nothing has been done to date. XXXX XXXX XXXX have been on deferment and have been current to date. Latenesses should have been removed as I have requested many times in writing. Unauthorized hard inquiries where my information was not verified should not be on my report. Inquiries for credit cards where my information was not verified and no new credit was obtained should be removed from my credit report.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC (GA)

I have an collection agency called Ability Recovery Service, that is trying to collect debt in the amount of {$1300.00} from me. I was an victim of identity theft and I have disputed with all XXXX bureau about this along with a copy of my police report showing identity theft. I need for this collection agency to removed this collection off my credit report.
Consumer complaint received 2020-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Five months in a row, Wells Fargo has failed to send me a monthly statement so that I can pay my monthly HELOC mortgage payment. I have called, or attempted to call, many many times. Wells Fargo 's various reactions to these calls have included rejection, skepticism, indifference, and condescension. There have been promises to contact me which have not been kept. Any number of times, they have acted like there's nothing wrong to fix. Several weeks ago, Wells Fargo sent me a letter stating that the problem had been fixed, but I did not receive my monthly statement that should have been sent in early XXXX, so the problem was not fixed.
Consumer complaint received 2019-02-22
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. (CA)

on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XXXX and XXXX you have no payments at all reflected, I can understand XXXX but NOT XXXX and XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

WFDS ... aka Wells Fargo is continuing with the systemic institutional racist oppression tactics, and racial inequality treatment improperly ordering a unauthorized hard credit inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

Experian markets their Experian XXXX feature to improve your FICO score. They say you can use streaming services as a metric for increasing credit scores. I have been paying XXXX premium since XX/XX/2018. They say they can't find a service to attach from my connected bank account to use to increase my score. This is false advertising and deceptive business practices. I also paid for the enhanced membership. This is just a gimmick to defraud XXXX and XXXX communities who are already marginalized in the area of credit reporting.
Consumer complaint received 2023-03-19
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. (NC)

I just paid off a mortgage that I had paid on time always for over 20 years. All 3 credit bureaus dropped my credit score XXXX points saying I got a closed account from the mortgage company. Of course they closed my account they were paid in full. But for some reason the credit reporting agencies saw this as a negative thing..ALL # 3 MAJOR CREDIT BUREAUS! This needs to be fixed by YOU. These companies affect millions of people including ME with their unreliable credit reporting. PLEASE make them get with the program and report credit transactions CORRECTLY.
Consumer complaint received 2024-05-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Reel Time Capital LLC (MI)

On XX/XX/XXXX my ex spouse was contacted and given private information regarding my debt. Once again on XX/XX/XXXX my XXXX XXXX was contacted at XXXX XXXX  local time about my debt
Consumer complaint received 2015-06-18
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (PA)

We were denied of a modification due to " not imminent default ''. Our income is less than halfthat when we got the loan. I lost my job due to medical reasons and I am filling for XXXXOur loan take 36 % of our income.
Consumer complaint received 2022-02-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation.

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.

I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor
Consumer complaint received 2024-04-27
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (NV)

A debt collector reported a false debt to the credit bureaus without any previous attempts of communication with me. Automatically added as a collection and dropped my score XXXX points. Same day it was reported, I called to have a debt verification letter sent and the representative refused. I was hung up on and when I called right back, was transferred to same person and was immediately hung up on again.
Consumer complaint received 2022-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NC)

I have been contacted on 2 separate days from XXXX and XXXX claiming to be a collection agency collecting outstanding debt. in my name from the online store XXXXXXXX XXXX. I've never used this store and I would not provide my last 4 of my SSN, my DOB or mailing address.

When I asked them what they had for a mailing address on file they replied XXXX, TX. I have never lived there. 

I told them they could file a collection against me because it is not my debt and I wasn't paying it nor was I providing any information.
Consumer complaint received 2020-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After notifying XXXX of Unauthorized charges they continued to charge me again, and with the effects of Covid looming over the entire world, it is impossible to communicate with anybody about this issue. In XXXX they ( XXXX ) issued me half of a credit XXXX of a XXXX charge, and then proceeded to charge me again XXXX on XX/XX/XXXX. In the midst of the back, and forth with these unauthorized charges that XXXX  XXXX XXXX should not have allowed, there was a payment missed that I was not aware of, and it has affected my credit rating. Now I am looking to obtain a mortgage, and these ridiculous unauthorized charges have affected my credit score .Please have my credit score restored, while I resolve this dispute with XXXX  XXXX XXXX allowing the, after I told them not to accept charges from these people at XXXX XXXX and XXXX to stop.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I bank with Wells Fargo and they have allowed so many fraudulent transactions come out of my account numerous times and Id like all my money back. Over {$4000.00} was taken from me and they said that I went in person and took the money out at locations I have never even been. I would like all of my money back this is ridiculous! I have done business with them for over 7 years and this is the thanks I get. I was supposed to get two provisional credits from fraudulent activity and someone went in and took all of the money out of my account and Id like all of that returned to me or I will be seeking legal action. Enough is enough. I cant even get to and from work because all of my money is gone. I cant believe someone would do this to me.
Consumer complaint received 2019-02-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have a subscription for credit monitoring with XXXX through Experian. I first contacted them at XXXX on XX/XX/19 to report that the information on my credit report is not accurate. It shows no credit history at all which is not correct. I have 2 active credit cards as well as a history of a paid mortgage.The agent I  spoke with, XXXX, after a 1 hour hold time, told me she would forward the issue to their " support '' team for resolution and that I would be contacted in 7 to 10 business days. I checked the report again after a couple weeks and it was still not correct. I called back on XX/XX/2019 and the agent, XXXX, apologized and told me the issue would be escalated to their support team and that I would hear from someone in 3 to 5 business days. She told me to call back in 5 business days if I still had not heard from someone. On XX/XX/2019 I still had not heard so I called again. This time the agent, XXXX, told me it was still with their support team and she would not give me any ETA for resolution. She stated it was out of her hands. I find it unacceptable that it has been over 5 weeks and no action has been taken to resolve this issue. In the meantime any credit checks done on me through Experian are showing I have no credit which is clearly not the case. Note that I also have credit monitoring through XXXX  and the information in their systems is complete and correct. Please help me get a resolution to this issue.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (TX)

Home was closed on in XX/XX/XXXX, conventional loan with XXXX XXXX XXXX, payments made were never reported to credit bureau, after being told of payments were made on time for first XXXX months, home would be refinanced with lower XXXX, called and company said they do not do that, loss mitigation packet was completed in XXXX of XXXX, never received answer til XXXX of XXXX where I was denied due to lack of income.