davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC. (IL)

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I submitted my payment on time but the company said the XXXX is delayed in sending mail. I cant believe that it took XXXX 25 days to deliver mail to them. They charged me a late fee of {$150.00}. I think they are making money of the late fees.
Consumer complaint received 2020-10-23
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: LEXISNEXIS (IL)

I am a federally protected consumer and Lexis Nexus has violated me under the provision of 15 USC 1692. Please review attached documentation.
Consumer complaint received 2022-07-18
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. (NY)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$620.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (OR)

Deposited {$240.00} and purchased {$120.00} worth of bitcoin and etherium through a ACH transfer from my bank account on XX/XX/2021 and awaiting have been waiting for verification from Gemini finance for over a month. Money has already settled out from my bank weeks ago. 

Money is unable to be withdrawn or transferred from gemini as they show my account is still pending verification with the excuse that they are experiencing high amounts of new users, was forced to use other sites to accomplish what was needed and other sites have authorized in less than a week. All attempts to contact support have been met with automated responses and emails and provide no assistance to get verified so that account can be closed and money moved or withdrawn. Complaints filed with the site have either not been responded to or acknowledged.
Consumer complaint received 2020-09-29
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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 police report. 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 stress 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 ; B US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXXXXXX/XXXX  File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY XXXXXXXX XXXX XXXX XXXX XXXX ( CHAPTER XXXX ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General 's Office, and pursuing legal action under applicable state and federal laws.

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Consumer complaint received 2020-10-20
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: Debt Recovery Solutions, LLC (OH)

To Whom It May Concern, The reason for my dispute is DEBT RECOVERY XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date andMini-Mirandi under Section807 ( 1 ) DEBT RECOVERY SOLUTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCA, with {$1000.00} per violation DEBT RECOVERY SOLUTIONS # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DEBT RECOVERY SOLUTIONS is in compliance with OHIO LAW. I also have report this account tothe FTC, and Columbus Police Dept.I need this collection account to be removed from mycredit report.DEBT RECOVERY SOLUTIONS has not even tried to contact me regarding thisFraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-09-09
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. (TX)

XXXX has continued to report US Department of Education student loan accounts XXXX and XXXX Fed Loan XXXX as Derogatory since XX/XX/2020 in direct violation of US CARES ACT. These loans are currently under a CARES ACT forbearance. On XX/XX/2020, Congress passed, and the president signed into law, theCoronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XXXX XXXX, 2020. I have contacted the Department of Education and XXXX several times and they assured me this reporting would cease during this time. I attempted to dispute with XXXX as recently as XX/XX/2020 with XXXX refusing to open the FCRA dispute. XXXX   is causing continued damage and irreparable harm to my credit rating during a very difficult time for me personally and our country having been affected by the natural disaster. 

On XXXX XXXX, 2020, the President directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XXXX XXXX, 2020.
Consumer complaint received 2020-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I opened this XXXX account in XXXX when I was working full-time and overtime. 
In XXXX, I lost that job and I fell behind in my payments. 
In XXXX when I was able to make payments again to bring my account up to date, I was unable to make an online payment so I reached out to XXXX XXXX. 
When I spoke with the representative, she said she could not take a payment because the account was closed. 
Since XXXX, I did not receive any letters letting me know my account was in foreclosure. I made sure XXXX had my mailing address. 
XX/XX/XXXX Unfortunately, I had to move this year because I lost another job due to the Covid19 Pandemic. My XXXX records are missing so I can not provide much payment or communication information to support this dispute. 

Please help me. It is very important that this foreclosure dispute with XXXX gets resolved as soon as possible.
Consumer complaint received 2024-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (PA)

I have contacted Freedom Mortgage numerous times to resolve this. First I was told in a phone call that PMI payments would automatically be removed by the end of XXXX. I called again and was told it would not be removed until I'd reached the 80 % of the initial loan amount threshold ( reached in XXXX of XXXX ). I was told when I called in XXXX that there is no record of my having called and received any of this information so in XXXX of XXXX I switched to electronic reporting to keep a written record of correspondence and repeatedly asked for the results of conversations with customer service to be put into a letter to me. I have been told PMI can not be removed because my home is in a disaster area ( it is not, I live in XXXX, and the disaster area for flooding that they referenced was due to Tropical Storm Debby and that flooding occurred hundreds of miles away in XXXX XXXX XXXX. I was told in a letter dated XX/XX/XXXX that I am not eligible because either I did not make a payment on time ( not true ) or I received Covid 19 assistance ( I didn't ) or because my property value may have declined since my mortgage was taken out ( it is worth between $ XXXX and XXXX more according to my realtor. ) I was also told I could pay a {$190.00} fee for what is called a BPA to apply to have my home value checked by a broker that Freedom chooses. Even the Customer Service Rep I spoke with today in the escalations department admits that I am being provided with contradictory information and she has promised to look into it and call me back at the end of the week. When I again requested written confirmation of our conversation she told me ( again ) that she can not provide that. I asked for email correspondence because I am often unable to take phone calls during the work day and I was told that is not possible.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I'm a home owner Of twenty years And I can not get a payment History from the three Credit bueral Bank of America Did a investigation The information reporting To the three bueral is correct When I look at my three Credit reporting every month They don't show my payment history on my home of twenty years Can this problem be Fixed
Consumer complaint received 2020-09-09
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. (TX)

XXXX continues to report the XXXX XXXX account XXXX as derogatory charge off over seven years later. This reporting is 10 years old and the account was open in 2008, 12 years ago!!! 
Despite multiple dispute attempts and countless phone calls XXXX   has refused to remove the egregious information. XXXX XXXX is also reporting the egregious information to the other CRA 's Transunion and XXXX.
Consumer complaint received 2020-09-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to Experian, XXXX and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to Experian and XXXX and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, XXXX and Experian. The three credit bureau continued to report this Unverified Account.

At the same time I sent 4 dispute letters to XXXX XXXX XXXX which the first 3 letter were sent certified. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter stated We have completed our investigation of your dispute concerning this account and included a copy of a billing statement. XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying this a valid debt and a billing statement. 

XXXX XXXX XXXX, XXXX XXXX and Experian needs to be held accountable for their misleading, false reporting and lack of a investigation. 

Experian, XXXX and XXXX has NOT provided me with who verified these accounts? 

a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified.

Experian, XXXX and XXXX has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws. 

All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.
Consumer complaint received 2021-07-04
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. (TX)

Over the course of the past 1month I have disputed several items on my report and my score has dropped drastically. Im not late or delinquent on any payments this makes absolutely no sense. Please review my file and correct my my score because the current score is a 120 points difference from my other two whos have the exact information contained with in them. How does my score go from a XXXX to a XXXX and Ive missed not a 1 payment my payment history is 100 % please explain I have no high credit card balances no collections. I dont understand
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (NY)

I filed a dispute with cash app for ATM withdrawals that I did not authorize .I told them the person that did them and that they did not have my permission nor did I ever give my pin number out .The way my Son/grandson got my pin was I used my son 's birthday and birth year but I have changed that now.the transaction I'm talking about is for {$260.00} in XXXX XXXX, I live an hour and half from there and did not authorize this transaction .I 'm sure the other 4 will be denied also and I'm just wondering why or how when I'm a victim here.They said denied with no reason at all.
Consumer complaint received 2022-12-09
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: CONTRACT CALLERS INC (PA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX. CONTRACT CALLERS I XXXX. XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

I traded XXXX my car, loan # XXXX, in XX/XX/2014 for my XXXX lease, account # XXXX, the XXXX was in dealer possession therefore the reporting of a late payment for XX/XX/2014 is erroneous - this is causing my credit to drop and caused me to lose the ability to rent a home for myself and my XXXX kids. I requested this to be updated and it never did. This " contract '' is approaching 6 years and 6 months so I would request it just be removed from my credit so the past due one month doesn't continue to harm my financial position so I can provide  a roof over the heads of my children.
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (TX)

Requests for Verification of debt sent to Credit Corp Solutions XXXX XXXX and XX/XX/XXXX via Mail. None of which have been able to be verified. Account still shows on my credit report and is a detriment.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 sections 604 A sections 2 : its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am a victim of identity fraud. Someone opened accounts under my name without my knowledge XXXX date opened XX/XX/XXXX Collection date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX