davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2016-05-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen Loan Servicing , LLC listed our home for foreclosure sale for XXXX XXXX, XXXX. Ocwen Loan Servicing , LLC filed An Appointment of Substitute Trustee in the XXXX XXXX XXXX XXXX office on XXXX/XXXX/XXXX Doc # XXXX. The document is notarized by XXXX XXXX and signed by XXXX XXXX XXXX Ocwen Loan Servicing , LLC, Contract Management Coordinator. XXXX did not provide any identification when the document was signed and notarized. The document states that the Mortgagee of Deed of Trust has named and appointed, and by these presents does name and appoint XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX to act under and by virtue of said Deed of Trust. There has not been any documentation that XXXX XXXX Bank, XXXX XXXX XXXX XXXX for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX is the Mortgagee of said Deed of Trust. Ocwen Loan Servicing , LLC has not provided any assignments or transfer of Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX. I have also found varying signatures of both XXXX XXXX and XXXX XXXX. Seems that these documents have been robo-signed and have been filed in the XXXX XXXX XXXX XXXX office. When we examined our " Original '' loan file in XXXX, there were XXXX assignments of deed of trust that did not transfer the Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to any other entity. The section of the deed of trust to transfer and assign the Deed of Trust were blank on XXXX assignments. American Home Mortgage Servicing , Inc. did file a fraudulent in the XXXX XXXX land records on XXXX/XXXX/XXXX, in which " XXXX '' attempts to assign the asset tot he XXXX XXXX. This document is fraudulent and the person who signed the document, XXXX XXXX, is a known robo signer. When we did a title search on our property in XXXX XXXX, Option One Mortgage was in XXXX lien position. XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX was contractually closed from conducting business after the closing date of " On or about XXXX XXXX, XXXX '' and could not have receive a loan into the trust after the cut-off date. XXXX XXXX retroactively attached the our mortgage to a securitized trust that was closed and sold to investors 5 years earlier, the bank violated a Texas law that prohibits fraudulent real estate filings. ( Reference the sign from XXXX XXXX Clerk 's office, Chapter XXXX, XXXX Government XXXX, XXXX XXXX. )
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

A fraudulent charge was made on my XXXX Credit Card on XXXX XXXX, 2016. On XXXX XXXX, 2016, I called USAA Customer Service and was told my card would be cancelled in order to prevent additional fraudulent charges from being made and that my account would be credited for the charge. I have never received the credit despite numerous calls to USAA Customer Service. Each time I call, I 'm transferred to different departments, but none of them see to be able to resolve the issue. They seem to be making absolutely no effort to resolve the issue.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX  XXXX XXXX XXXX Try and get this removal from my report..
Consumer complaint received 2017-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

STATEMENT OF THE CASE On or about  XXXX   XXXX ,   XXXX  , PRM caused to be included in Complainants consumer files, and recorded upon Complainants investigative consumer report ( ICR ), as maintained by   XXXX   XXXX   XXXX   XXXX    consumer  reporting agencies, adverse and derogatory information alleging Complainants default upon a debt owed to the  XXXX   XXXX  and  XXXX   XXXX   (   XXXX  ) to the sum of  XXXX   XXXX   XXXX   ( { $820.00} ) and     XXXX   XXXX  . The reintroduction of this information in Complainants consumer files and recordation upon his  ICR  violates the FCRA and FDPA.
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Trying to purchase property they run my credit, collection account was not active, I initiated contact by mail. Collection company purchase a collection account that is old. 
I request a Validation of the account, company fail to provide prove and breakdown of fees, date was sold, amount was sold, amounts they add on, copies of all documents. 
Account was remove from my credit and know is back under other collection company. Company fail to provide prove of the account and verification. Know they are calling everyday all day with will take legal action, where is getting to a point that are screaming over the phone. Thread of taking to court or calling my work for payments.
Consumer complaint received 2015-06-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (WA)

In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised XXXX XXXX XXXX about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now XXXX years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Equifax response was improper for the following reasons : # 1 they did not conduct a proper investigation as required. Instead they responded that inquiries are a factual record of file access which put us consumers at the mercy of creditors. # 2 The creditor ( XXXX XXXX ) was contacted and they have no record of the inquiry. # 3 Equifax placed a fraud alert on my credit report on the XXXX bureaus which makes it difficult to obtain credit. This fraud alert should off never been placed because the issue in dispute happened 17 months ago. Therefore, I demand Equifax to lift the fraud alert from the XXXX Bureaus inmediately and delete the inquiry from my report as well.
Consumer complaint received 2017-01-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC (CA)

On XX/XX/2016 I mailed via certified mail an constructive notice in a form on affidavit sworn under the penalty of perjury to Firstsource Advantage LLC. Firstsource Advantage LLC failed to respond to my affidavit with a proper validation within 30 days. Firstsource Advantage LLC keeps sending me offers to do business.
Consumer complaint received 2015-12-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (LA)

A representative from the XXXX XXXX XXXX called me and claimed to be representing a bank XXXX Providian Bank XXXX to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in XXXX of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but XXXX scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but XXXX continues to try to call me to collect. This debt must have been purchased from the bank because XXXX had my complete list of prior addresses, social security number, and present list of credit card accounts and numbers. This company is engaging in illegal business practices.
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I work very had to make sure I stay on top of my bills and commitments and I was astounded when I learned Equifax placed an unknown BK to my credit. 
I contacted them immediately and the error was removed. However, i received an alert8 months later that the improperly placed BK has been RE-INSTERTED to my credit!!! 
I am requesting that the unknown entry be removed immediately It says on my credit that the BK was filed in XX/XX/XXXX when we are in XX/XX/XXXX!! 

US DIST CT Date Filed XX/XX/XXXX Type Bankruptcy : Discharged CH-XXXX Reference XXXX Plaintiff
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

My information was sold and bought illegally because I was a victim of the Equifax breach. I want these items deleted from my credit report effective immediately Im attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report DEPT OF EDUCATIONXXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX  ( XXXX ) - ( XXXX ) XXXX DEPT OF EDUCATION/XXXXXXXX XXXX XXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX XXXX XXXX XXXX - ( XXXX ) XXXX DEPT OF EDUCATION/XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX )
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC has been sharing my nonpublic personal information with nonaffiliated third parties such as XXXX, XXXX, and XXXX without my consent. Furthermore, the information that they are reporting is inaccurate and false. This violation of my consumer rights is a breach of my right to privacy. Additionally, LVNV FUNDING LLC has denied me the right to opt out of sharing my private information with consumer reporting agencies, which is a violation of multiple federal laws.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

To Whom It May Concern, I am requesting the removal of this bankruptcy & judgment ( below ) on my XXXX credit report due to Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. XXXX Information Service , LLC, I did not know the source of their information on those judgments & bankruptcies, due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy & judgment ASAP. 

Bankruptcy Chapter XXXX Ref. # XXXX Date filed XXXX Since this is a request and not a dispute, I would like to receive confirmation that this bankruptcy & judgment listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
Consumer complaint received 2016-05-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery Services is trying to collect a debt from me that is not mine. I got repeated phone calls where they refused to identify themselves until I told them my name. Then they would not tell me their business because I would not tell them my address. I got several of these calls. I figured out who they were and complained to the state of Utah and to XXXX. They responded to the XXXX complaint and stated that they had no debt associated with me and agreed to delete my phone number from their records. But they got my address from the XXXX complaint ( Case # XXXX ). I have now received a letter from them with information on the account they are trying to collect. It is for a XXXX account. I have never had a XXXX account, I have never purchased anything from XXXX, and the address on the account is not mine. I have been living at my current address for over 20 years ( the account they are trying to collect is from 2014 ). I googled the name and address, and the name on the account matches the name at the address. I have the same name, EXCEPT for the middle initial. I called Portfolio Recovery to try and tell them that the person on the account is not me and the account is not mine, but when I refused to give the guy ( XXXX ) the last XXXX numbers of my social security number, he hung up on me. I will not give them my SSN under any circumstances, because I am sure they will use it to affect my credit. 

Portfolio Recovery has arbitrarily assigned a debt to me that IS NOT MINE. My name is very common - there are dozens ( if not hundreds ) of people with the same name. Without any justification, they have pulled my name and number out of the phone book and started harassing me. I am pretty sure this is not a case of stolen identity. I have XXXX credit monitoring services active right now ( from the XXXX hack, and the XXXX hack - I had a security clearance until I retired ), and I have also reviewed my credit reports ( as a result of the Portfolio Recovery phone calls ). There is nothing untoward on my credit reports, unless they have done something in the last couple of weeks.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (FL)

Good Day, I am filing this complaint against XXXX XXXX and XXXX XXXX XXXX for whom he represents. 

XXXX has called me almost daily since XX/XX/2023, leaving me messages to call him back. Then yesterday, on XX/XX/2023, XXXX took it too far when he called all 4 of my brothers and my wife. I have no problem with someone contacting me repeatedly through phone, text, e-mail or any means necessary, but when you reach out to my family that with the exception of my wife, does not need to know my financial situation. This is unacceptable behavior from anyone, even a debt collector. 

The Fair Debt Collection Practices Act requires written notification, which I have yet to receive. Further, Florida State Law Section XXXIII, Chapter 559, Section 715 requires that when trying to collect a debt of someone residing in Florida, a written notice must be provided at least 30 days prior to any attempt to collect a debt. I have yet to receive any written notice from XXXX XXXX XXXX.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I request that these fraudulent items be deleted from my credit report at your earliest convenience. I have a security freeze on my account, which should have alerted me before my credit report was run. I did not receive any notification or alert to my credit being run for these accounts, which is concerning. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission Identity Theft Affidavit regarding this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX keep updating me account its paid off and its been over 7 years will not reporting to take off my credit report.This a law I open this account XXXX  They needs to remove off my credit report
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Upon reviewing my credit report, I noticed entries related to transaction history that I believe are not relevant to my creditworthiness. 

I would like to bring to your attention that reporting transaction history, as opposed to credit-related information, may not comply with the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation into the accuracy and relevance of these entries.

The transactions in question do not reflect my creditworthiness and may not be legally reportable.
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have paid a closed acct from Bank of America and its reported the XXXX  and XXXX XXXX XXXX but it comes up as fraud .. I would like it changed from fraud to abuse so I can continue banking. I dont need it removed I just need the reason changed
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (MS)

I borrowed some money from Tower Loan of XXXX I was paying on time every month until XX/XX/XXXX when I had to stop working due to medical problems and did n't have any income coming in because I do private sitting. so I paid half for XX/XX/XXXX and every since then they call everyday 3 to 4 times literally everyday including the people I put down as a reference filling up the mailbox say they have to put a date in the system as to when I 'm going to have the money I can tell them I do n't know when I 'll have it and they keep insisting I give them a date I 'll have the money She hang up and call the cell phone then my references then they laugh on the phone ( not professional at all ) stating we have to put a date in the system but a letter was sent stating it was going to collection a month ago but Tower Loan of XXXX keep calling and calling it 's to the point I feel I 'm being harassed I know bill collectors should n't call 3-4 times a day I 'm I the only one that borrowed money? PLEASE HELP ME FROM THE HARASSMENT
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma (CA)

Since I've had credit karma since 2014. They state I am pre approved for credit cards or for loans. When I apply I get denied. So my credit score goes down and I have more inquiries. As of today cause of them I have high amounts of inquiries. Also some of them have ran my credit more than once. I talked to the company several times they say there is nothing they can do about it. I'm very annoyed and stressed about this. I have missed several apartments because of them. My credit being low from applying for things that they state I'm pre-approved or have excellent approval odds. I'm ready to go to court.
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I had a loan on a home in Florida of which the mortgage was purchased Purchased in late XXXX and became serviced by Bayview Loan Servicing. The property was surrendered last XXXX in a Deed in Lieu transaction. On XXXX/XXXX/XXXX ; I received a XXXX from Bayview with the incorrect Fair Market Value of the home and therefore, the incorrect amount of discharged debt. The XXXX was not filed on a timely basis and incorrect information was given the the IRS.
Consumer complaint received 2015-11-05
Product: Other financial service — Credit repair
Issue: Customer service/Customer relations — 
Company: John C. Heath, Attorney at Law, PLLC (MN)

Lexington Law firm has been charging me for services and not affectively delivering me the results that they promised as far as deleting the credits that was once off by them, but is some how is now back on my credit report. And they have been charging me XXXX a month instead of XXXX a month for charges.
Consumer complaint received 2022-09-04
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. (PA)

On my report with Equifax my score is XXXX now if I don't have anything in collection, no late payments and the only inquiries are auto from Equifax and XXXX XXXX how could my score be so low. No repose, No bankruptcy, everything I see on my report is current so how is my score so low.