davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Ive called and written letters to both XXXX and Experian telling them that my address listed is wrong and has no association with me currently as per Fair credit reporting and that it needs to be changed to my current address. I sent them a copy of my current license and social security card via upload documents as well as bank statements. 

Experian refused to change my address due to a derogatory account listed on my report by a third party debt collector to whom I have no contractual agreement with where my name is misspelled on the actual bill and I disputed twice with both the company and Experian credit bureau citing that I have never had any public service bill in my name and that it was clearly fraudulent. Moreover, I did not live at the address during the timeframe of the bill statement
Consumer complaint received 2021-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I FILED A DISPUTE WITH REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAYS I FILED A 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET RECEIVE ANY RESPONSE
Consumer complaint received 2020-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (FL)

In XX/XX/2020 I filed with XXXX  XXXX and reported XXXX XXXX and their collector Amerifinancial Solutions about the fraud collection of {$1300.00}. I am a veteran and was sent a letter of data breech along with another data breech from XXXX  some years ago. I have no idea what this debt is but I have sent a letter asking for it to be removed as this is fraudulent. They will not remove it. I also tried contacting the bureaus and they do nothing.
Consumer complaint received 2022-01-18
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: Experian Information Solutions Inc. (NJ)

I XXXX XXXX XXXX, am filing this dispute for my self. I have reviewed my credit report and am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (DC)

On or before XX/XX/XXXX, I sent MoneyLion a debt validation letter for account XXXX in which they accused me of owing an alleged debt. With my original letter, I had also added an affidavit concerning violations of Fair Debt Collection Practices Act MoneyLion had participated in while attempting to try to collect such debt. Note, these documents were sent via certified mail with signed mailing return receipts to ensure MoneyLion received them. MoneyLion ignored my request, neither addressing the validation process or compensating me for their willful non compliance to the law. Their only response has been to request from me the information that I had asked them to validate. 

Under 15 U.S. Code 1692a titled " Definitions '' a debt collector is defined as any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts .... owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. 

By literal definition, MoneyLion falls under the term and as such are liable in concerns to the laws surrounding debt collection practices. MoneyLion has refused to not only validate the debt, they have reported the debt as paid and charged off to all of the credit agencies, ruining my reputation and credit worthiness. My last letter was delivered to them on XX/XX/XXXX at XXXX XXXX and I have not received a response from them since. 

Per their own correspondence, MoneyLion also accelerated the unpaid principal balance of this alleged loan and sold various securities in said investment account held at XXXX XXXX, XXXX to cash and transfer the cash balance to them, privately, sometime after XX/XX/XXXX in order to satisfy the debt you owe due to your overdue loan payments. They used this moeny to pay off the loan, charge off the debt and still report it on my credit as " paid, charged off '' despite not validating the debt or paying for their violations of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (OK)

On Friday, XX/XX/2021, I payed my debt. I asked for receipt, and XXXX ( they were hired by LVNV FUNDING LLC ) said give until Monday and send the receipt back signed. I did I waited up until that moment and called them back to ensure they received it. They claimed they did and the XXXX balance paper would be sent to in 24 to 48 hours. On XX/XX/2021 I called them and they claimed they never received the signed receipt. I told them a previous representative claimed they did receive it. They said I would have to send it again and give it another 24 - 48 hours. I ended the call and decided the FTC would be the best course of action. All they did was claim I never made contact with on Monday XX/XX/2021. I simply want a XXXX  balance letter, but they only seem to be having me run around in circles
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I've contacted the credit reporting agencies several times in regards to inaccurately reporting late payments to my credit profile. I have never been late, and no correspondence has provided any verification of my payments being late. Per 15 USC 1681, I have the right to privacy and have not given any written permission for my transactions to be furnished to my consumer report. Further reporting late payments to my credit profile is also in violation of 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kinum, Inc., Indianapolis, IN Branch (IL)

I was fraudulent charge. I never went to the school, never sent my transcripts, I informed them and the XXXX XXXX said they are not credited. Than 6 months later I seen a bill. I reported this to XXXX and they removed it. Six months later it was sold to a collection agency. I informed them and XXXX this was a fraudulent account. And Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection. But this was. Im a single mother and in America how can people try to get paid for no service. I do understand credit company have a lot of complaints but they should protect the Consumer. This was removed and now added back to credit report.Can you please investigate this. My name is XXXX XXXX. Ss # XXXX Company was XXXX XXXX XXXX XXXX, IN XXXX than they sold to KINUM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-06-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent a letter on XX/XX/XXXX, regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.
Consumer complaint received 2016-03-11
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Integrated Recovery Services (MN)

XXXX at Integrated services XXXX ext XXXX called my employer to verify employment and told my employer that they needed to verify my hours so they could send someone to serve me with a summons. This is after I had told them not to contact me at work and to mail me a letter stating that they can collect the debt.
Consumer complaint received 2022-10-06
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. (CA)

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

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

XXXX XXXX  XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (NC)

Contracted with XXXX XXXX in XXXX, NC regarding the construction of a new home. After speaking with the XXXX sales rep, decided to move forward with their preferred lender due to the incentives. Scheduled an appointment to talk with the lender, XXXX XXXX, with XXXX XXXX on Monday, XX/XX/XXXX. At that time I explained to him that I was looking to apply for a USDA loan and to pay off an installment loan with NC State Employees XXXX XXXX XXXX to improve my XXXX. He said he understood this and would get back to me in XXXX weeks since underwriting was behind. On Monday, XX/XX/XXXX, I learned from my realtor calling me that XXXX XXXX 's manager, XXXX XXXX, completed my file on Friday, XX/XX/XXXX since XXXX was out of office and denied my application. Mr. XXXX called XXXX to inform them I did not qualify, but did not contact me. I learned on Monday from talking with XXXX at XXXX that my application for a FHA loan was denied due to Debt To Income and that they would be putting the home I contracted back on the market. This was in contradiction to what Mr. XXXX and I discussed regarding me paying off my loan and requesting a USDA loan. After calling multiple times, I finally got in touch with Mr. XXXX who informed me that my debt to income was high based on the information my HR submitted on the Verification of Employment. I emailed my HR on Monday afternoon and received a response Tuesday morning that they did not indicate on the VOE the things Mr. XXXX claimed and verified my income and other earnings on an email I CC 'd Mr. XXXX on. Due to OneTrust Homes not verifying the information on my VOE wth my HR and doing their due diligence, I have been unduly denied credit that I believe I would otherwise qualify for which caused me actual damages in losing my home. I have tried several times to rectify this issue with Mr. XXXX, including calling their corporate office. I finally reached him on Tuesday, XX/XX/XXXX in the evening and he said he would re-evaluate my application and get back to me in 3 hours. Two hours later, he texted me saying that he would contact me by noon on Wednesday, XX/XX/XXXX. It is now XXXX XXXX and I have not received any communication from him or his office. I believe I am purposefully being lead around as to allow time for XXXX to sell the home that I contracted to someone else since it has been made clear several times that OneTrust and XXXX are in communication and yet no one is communicating with me. Again, if the manager had any questions about my XXXX, he should have spoken with my HR instead of assuming and denying me credit based on what he believed and not what was verified. Thank you for your time.
Consumer complaint received 2021-04-07
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: DISCOVER BANK (FL)

While checking my credit report, I notice an account from Discover Financial SVCS LLC that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that Discover Financial SVCS LLC is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Since XX/XX/2023 I have been trying to obtain a pay off letter. I have been told by at least 12 reps that this is being escalated due to my type of loan. Arizona state law provides a maximum of 10 days for receipt of this letter. Currently it is XX/XX/2023 and I have still not yet received this letter. I am again being told its escalated and there is no end date for confirmation. I have missed two close dates on my home with the seller due to this and am about to miss a third. They are now threatening to sue me for missing close of sale.
Consumer complaint received 2023-03-23
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. (MI)

XXXX XXXX XXXX has old information ( Old Addresses etc ). it is not showing a debt from XXXX as paid. 
15 USC 1692 ( A ), ( B ).

I am disputing the presentment because of violations against Federal and State Laws.

HJR 192 UCC 3-311 UCC 3-104 UCC 3-306 UCC 1-308 ( Without Recourse )
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NY)

On XX/XX/2019, at XXXX pm I sign in for Equifax 3-1 Credit Scores & Monitoring Family Plan. I was charged {$19.00} for one month service. My goal was to see my three Credit bureaus credit scores and reports and fix if I'd encounter any errors. 
I was greatly appalled to find the following disallowances on the Equifax 3-1 Credit Scores - 1 ) the Equifax system disallowed me to enter individually each of the credit reports and prevented me to see the details on each of the reports. 
2 ). The Equifax system disallowed me to log in after it cuts me off 3 times for the period of 15 minutes. Even when I had my correct User name and a password, even when it prompted me 3 times to change my password ... 
3 ). From XXXX pm to XXXX pm ( the time I was a customer of Equifax ), I was disallowed to use and click on the inner links, which would allow me to look for details and any errors on my credit report. 
I BELIEVE THIS IS DONE PURPOSLY WITH AN AIM TO PREVENT CUSTOMERS TO OPERATE AND FIX THEIR CREDIT REPORT 'S ERRORS. 

THUS EQUIFAX WANTS {$19.00} FOR NO SERVICES PROVIDED. 
I called their Cusomer Serivce number and canceled my membership immediately at XXXX pm. I spoke with XXXX, Customer service, who originally REFUSED TO FULLY REFUND MY MONEY. I TOLD HER I WILL BE FILING A CFPB COMPLAINT AND THIS IS HOW SHE AGREED TO REFUND MY MONEY between 3-5 business days. I protested stating I have been a less than 30 minutes customer, why they will hold my money? ... Clearly, Equifax does not have any interest of providing services to it customers, while BLOCKING THEIR DATA, AND holding the money in its bank account ... the way Equifax 'd earn millions of undeserved $ $ $ $ $ XXXX Imagine if Equifax is holding in such way of cancelation the money of 1 million canceled accounts? How much money Equifax will earn from interest? At the same time customers are not being provided with the service, and Equifax is MISUSING THEIR CANCELED MEMBERSHIP FEES. 
THIS IS SO WRONG! 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Thank you XXXX for your order! 

Order Confirmation Print PagePrint Page Product Status Price Equifax XXXX XXXX Plan View My Product Complete {$19.00} per month Thank you for your order. Your transaction code is XXXX. Please make a note of this number or print this page. The transaction code will serve as a receipt and as your account reference number. You may cancel at any time by calling XXXX, XXXX - XXXX EST. Total Cost : {$19.00} Payment xxxx-xxxx-xxxx-zzzz ( I changed the cr. card data ) {$19.00}
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

First, thank you for listening. On XX/XX/XXXX, I received a Fraud Alert for my Citi Credit Card ending XXXX for a {$450.00} Best Buy purchase made in XXXX XXXX. As I am living in XXXX  and have not been to XXXX XXXX since last year ( XXXX ) and have not purchased anything from Best Buy, I knew immediately that this was fraud. I confirmed with the Alert that this was indeed fraud, and was issued a new card XXXX. Citi credited the {$450.00} to my card XXXX and subsequently closed that account. So far so good. However, I saw that fraudulent {$450.00} charge was now on my new card XXXX. Over the next couple of weeks ( I don't remember the exact date ), I received a call from a Citi investigator to discuss this charge. I was told that on XX/XX/XXXX someone ( NOT ME ) requested for a duplicate card ending XXXX to be sent to my address in XXXX XXXX ( XXXX  was my billing address at that time. I updated my address recently to XXXX as I recently got a new home ). I did NOT receive any notification of this duplicate card. Then on XX/XX/XXXX, the charge of {$450.00} for Best Buy was made IN PERSON in a store in XXXX XXXX. First, not only did I not request for a duplicate card, I was also NOT PHYSICALLY in XXXX XXXX. I relayed this to the investigator and thought everything was resolved. 

Unfortunately, on XX/XX/XXXX I was notified by letter ( dtd XX/XX/XXXX ) that Citi will be closing my fraud case because I " was in possession of the card XXXX ''. THIS IS FALSE. I was NOT in possession of that duplicate card XXXX and was not even physically in XXXX. I also did not authorize a duplicate card to be sent. I then sent a letter via priority mail to Citi ( which was received on XX/XX/XXXX according to XXXX  ) requesting for my case to be re-opened. I believe it has since been re-opened but I'm uncertain because I have not received any notification from Citi. They have since started charging INTEREST on that {$450.00}. I will not pay for a transaction that I did not authorize. Furthermore, I am a VICTIM of identity fraud. 

Please help!