davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-25
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: EQUIFAX, INC. (GA)

I submitted an identity theft affidavit, police report, detailed explanation of account, and Equifax rejected my documents. Instead of suppressing information and notifying the companies listed on the dispute, Equifax went through its normal 30-day dispute process and rejected my document.

In one breath, Equifax states it is unable to locate my file on XXXX. How is that when I have a 53-page fax  confirmation dated XX/XX/2020, in which my Driver 's License, social security card, and utility bill was included. In the next breath, Equifax conf # XXXX rejected my affidavit stated it would not suppressed the identified information, but run its normal 30-day dispute process. 

After speaking with a XXXX supervisor, she informed me that I hadn't completely filled out my 1st and 2nd request. I contacted CFPB via chat to try to gain access to my original file and because I didn't create a login from the temporary password my original affidavit was gone. 

Because of that conversation with the XXXX  supervisor, I decided to update created an updated identity theft report and resend it to all bureaus. I have requested from original creditors and credit bureaus detailed statements, invoices, receipts, and payments so I may determine which activity was actually mine and which was not mine. Equifax has not taken into consideration any documentation that I have provided to them. They are only going by E-OSCAR codes received from the creditors. Even in its own reinvestigation process, Equifax is not doing anything independently. They are simply taking the creditor 's E-OSCAR codes as gospel. 

It appears that Equifax has no consideration for FCRA and has violated it on several occasions. This company continues to prolong my investigations into fraudulent activity by stating it can not locate my file, but again deny to suppress the same file.
Consumer complaint received 2024-10-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received a {$50.00} AMEX gift card from a family member. The card is active and AMEX shows it has the full balance when I check. However, the card does not work anywhere. Ive tried using it multiple places online, multiple places in store, and even through my XXXX XXXX. No matter what I do I can not use the money on this card. Ive searched the internet and found tons of people with the same issue, but no solution. AMEX customer service for gift cards is impossible to get in touch with and none of the resources they provide on their website has worked. This is my last course of action and if you cant help I will likely give up on trying to get the value of the card.
Consumer complaint received 2020-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was checking my credit report to make sure that the information that was there was accurate and found out that I am the victim of identity theft. I noticed an account that was on my credit report that I didn't apply for. Somehow someone used my personal information to fraudulently apply for a credit card. I am not sure how my personal information was obtained but the criminal has charged over thirteen thousand dollars on a credit card that I did not authorize an application for and that I do not have.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and Transunion are showing my old child support account that first went delinquent back in XX/XX/2010. I have called them and told them this is an old account but they keep telling me that the account is only showing as delinquent for the prior month. I dont know if they keep removing the previous years and re-adding it or what. The debt is over 7 years old and should be removed from my account.
Consumer complaint received 2020-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX XXXXXXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXXXXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX/XXXX XXXXXXXX U S DEPT OF ED/XXXX/XXXX XXXX XXXX   XXXX XXXX U S DEPT OF ED/XXXX/XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX/XXXX  XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX/XXXX XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX XXXX U S DEPT OF ED/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 DEPT OF ED/XXXX   XXXX XXXX DEPT OF ED/XXXX XXXX XXXX  DPT ED/XXXX XXXX XXXX DPT ED/XXXX  XXXX DPT ED/XXXX XXXX XXXX  DPT ED/XXXX  XXXXXXXX XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC (TN)

I paid off my vehicle in XXXX and still have not received a title or lien release. I asked multiple times via phone call and email, each time of which they have said they sent it out. They 100 % have my correct address. I am at my wits end with this company.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NC)

LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Debt Validation Request To Whom It

May Concern, This letter is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for validation and verification of the debt referenced above. I hereby demand that you immediately cease all collection activities until you provide me with proper validation of this debt. I dispute this debt in full and require the following information within 30 days : 1. The original signed agreement or contract that legally binds me to this debt. 2.A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges.

3. Copies of all account statements from the original creditor proving the balance you claim I owe.

4. A full accounting of all payments made, including dates, amounts, and how those payments were applied.

5. The name and contact information of the original creditor.

6. Proof that the debt is still within the statute of limitations.

7. Proof that you are licensed to collect debt in my state.

8. A copy of the assignment or transfer of debt from the original creditor, with proof of the chain of custody if this debt was sold.

9. The date of the original debt and when it became delinquent.

10. Proof that this debt has not been discharged in bankruptcy.

11. The original creditor 's explanation of why this debt is owed.

12. A copy of the last bill sent by the original creditor showing the exact amount.

13. Documentation verifying that I am the correct person responsible for this debt.

14. Proof that you or your company is legally authorized to collect this debt in my state.

15. A complete history of the debt from its origination to the present day, including any additional charges and adjustments. 

If you are unable to provide these items, this will be considered a failure to validate the debt, and I expect you to cease all collection activities and remove any negative information from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Additionally, I reserve the right to pursue legal action for any further harassment or violation of my rights. I look forward to receiving your prompt response within the required 30 days. Please be advised that failure to validate this debt in full will result in my demand for its immediate removal from my credit report and cessation of all collection efforts.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

I am writing to formally dispute the inaccurate debt information you have reported on my credit report. This debt is erroneous, and I request its immediate removal. This letter also serves as notice of my intent to escalate this matter through arbitration should it remain unresolved. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incorrect information, and your agency is obligated to investigate and correct errors. This alleged debt does not belong to me, and my previous communications on this matter have not yielded a satisfactory response. 
Further, your agency is subject to arbitration for disputes per the arbitration clause stated on your website and the XXXX XXXXXXXX XXXX XXXX XXXX ) rules. Proceeding with arbitration may be significantly more costly than resolving this matter directly.

Arbitration Costs To illustrate the financial implications of arbitration, here is a breakdown of typical fees based on XXXX current fee schedule : Arbitration Filing Fee : {$300.00} to {$2000.00} ( depending on the amount of the claim ) Case Management Fee : Approximately {$1000.00} Legal Costs : May include costs for legal representation and other incidentals related to the Arbitrator 's Fees : {$1500.00} to {$2500.00} per day To resolve this dispute amicably and avoid these substantial arbitration fees, I am offering a one-time opportunity to settle. I request {$3000.00} in compensation for the emotional and financial distress caused by this reporting error, in addition to the immediate removal of the disputed trade line from all credit reporting agencies.

Additionally, I demand that you cease all direct communication with me regarding this matter except via postal mail. As per 15 USC 1692c ( c ), once notified in writing, a debt collector is legally prohibited from further communication by other means : " 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. '' Please respond within 30 days to confirm your agreement to delete the trade line and settle the matter with a {$3000.00} compensation. Failure to respond will result in my initiation of arbitration proceedings. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX All Rights Reserved Without Prejudice.
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (VA)

I sold my Wifes XXXX on a tech website called XXXX which has a payment system tied to PayPal. When the buyer placed an order I received a notification from PayPal that my account has been limited. It asked me to submit some documentation such as my photo ID and tracking number. I shipped the device and provided them all the information they asked for. A day later my account was permanently limited and they put a 180 day hold on my funds for no clear reason. I sold the phone because I needed some money and now I have no access to that money for 180 days and I dont really know if I will have access after 180 days either.
Consumer complaint received 2020-02-17
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. (AR)

This is the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX   XXXX {$2600.00} XXXX XXXX {$960.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00XXXX XXXX XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$280.00}
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (MD)

XX/XX/XXXX for a balance of {$130.00} and then AGAIN on XX/XX/XXXX Sunrise Credit Services , Inc ( A COMPANY I HAVE NO INVOLVEMENT NOR CONTRACT WITH ) Threatened harm to my credit file in an attempt to collect monies which are NOT owed to them. 
They claim to be representing XXXXXXXX XXXX XXXX XXXX  ( Of which whom my account is CURRENT & PAID IN FULL ) My credit has been impacted by their malicious and illegal actions and Im demanding maximum payment allowed to me under the FCRA. 
Form of payment may be issued via check and mailed out to the address they have on file for me.
Consumer complaint received 2020-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

XXXX XXXX, takes 3 days to process our mortgage with ample money in your checking account. They reverse it the same say due to them stating insufficient funds. This has been happening for 3 months. I finally opened a second checking just for XXXX XXXX so there wouldn't be a problem anymore. Friday I withdrawn XXXX dollars from my regular checking to my new checking & made the payment. They still have yet to withdraw the money from my account and it shows on XXXX XXXX that my payment has posted. Which is confusing to me. This creating soo much financial hardship and its costing me money & throwing my billing cycle off. 

My husband has spoken with XXXX XXXX several times about this. And they will tell us our payment has posted and nothing is wrong on their end & that it may take up to 3 days to pull the money out. I am now approaching another payment next week and my XXXX payment still has not processed. Lakeview ( XXXX XXXX ) is the worst lending company. ALL Payments are processed through auto pay. I accumulating fee XXXX dollar fees every time they do this.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I am writing to formally dispute the continued reporting of a charge-off account by Credit Acceptance Corporation on my credit report. This account has been fully paid off, yet it is still listed as an outstanding charge-off, which inaccurately affects my credit profile.

I believe this is an error, as I fulfilled my financial obligation and cleared this debt in full. Additionally, I ask the CFPB to facilitate the resolution of this matter to ensure the accuracy of my credit report. Please let me know if any further documentation is required to support my case.
Consumer complaint received 2015-12-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC (MD)

Younomics reported my account being 30 days late in XXXX and XXXX 2015. I called in late XXXX about this report. The agents on the phone said they had no way of reversing the report. I had made payment arrangements with the company early XXXX and specifically asked that my account would reflect paying as agreed, they told me yes it would. Two weeks later I see that they reported my account late and I was continuing to receive collection calls. My account is paid up to date and I would like the report of being 30 days late removed from my credit report.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

We have an issue with the mortgage attached for the loan under XXXX for over a XXXX dollars. The property was purchased in the business name as we do with all our properties since we have been in business and XXXX XXXX stands as guaranto. We have almost XXXX properties like this. XXXX stands as guarantor so it is therefore not reported on his credit. We refinanced this in XX/XX/2021 and it was just that. Now comes XXXX we are realizing they started reporting it on XXXX 's personal Credit, so that's a XXXX dollar loan with a {$7000.00} plus mortgage weighing his credit down which will obviously affect his XXXX and affect him getting other loans and has affected him getting several loans We have tried tirelessly to get it corrected with the mortgage company and The mortgage company is telling us that the investor has chosen to now report on both business and personal credit and only the investor can change that. I need to get it changed back to my original agreement of being reported on my business credit and not personal. I have almost XXXX properties and they are in the company 's name. He is the guarantor and they are not being reported on my credit report which is the whole reason for being in the company name. 

He is locked into a XXXX  year prepay and now he's also being screwed over as well by getting it placed on his personal credit. 

XXXX is not the borrower, the borrower is XXXX XXXX XXXX XXXX XXXX. XXXX is only guaranteeing the loan. That is not what we agreed to. We would never do business with anyone putting our business loans on our credit report. It is a breach of our agreement. It is a business loan. We need this to be removed from his personal credit. 

We have the original paperwork signed and attached. We also have other loans with the same lender purchased the same way which are not on our personal credit.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Carvana Group, LLC (CO)

I had bought the car back in early XXXX and immediately was burdened with the loan interest rate at 17 %. I rescinded the loan in XX/XX/year> via certified mail with no response from carvana other than I am still responsible for the debt. Due to Carvana 's failure to properly notify of rescind rights, and failure to collect their abandoned property, it still remains in my posession. In XX/XX/year> Carvana and XXXX committed fraud by accepting an insurance settlement for $ XXXX instead of sending me the check, and still trying to collect on the loan that has been rescinded.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year> I received a {$14.00} ( reference # XXXX ) paper check from the Wells Fargo Customer Remediation department. On the back of the letter, it states that I should call XXXX if I experienced any impact due to Wells Fargo 's error. I called several times between XX/XX/year> and XX/XX/year> to express the impact I experienced and was denied further mediation and escalation. This directly contradicts the promise made by Wells Fargo to address the situation fairly and ethically.