davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (NC)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

Hi This is regarding mortgage # XXXX I refinanced with Amerisave mortgage company in XX/XX/XXXX. 
I had an insurance policy in effect XX/XX/XXXX - XX/XX/XXXX That policy included named wind/storm coverage with 1 % = {$2800.00} deductible. 
That was written clearly and I highlighted that in red. 
I changed the insurance company and had new policy effective XX/XX/XXXX - XX/XX/XXXX, which is currently in effect. 
I pay mortgage payments monthly in time. 
Late XXXX ( after the policy expired and had the new one in place ) Amerisave emailed me that the expired policy didnt have wind/storm coverage, I called and emailed and mailed them copies showing that it had coverage, no one wanted to understands or tried to understand, they reacted like machines. 
I called the previous insurance company to explain that the policy had that coverage, they told me that the policy was already expired and they didnt have it, since I moved to another insurance company. 
In XX/XX/XXXX Amerisave told me that they are going to pay {$1100.00} for coverage from the refinance date XX/XX/XXXX till the newer policy effective date XX/XX/XXXX Still I pay my regular mortgage payments in time as usual. 
Now, how come to pay for insurance that expired the year before? 
Insurance is paid as every one knows, in advance, How come they discovered that the OLD EXPIRED policy had no coverage after expiration. 
Either their employees dont want to listen, read and understand, or the company wants to steel my money. 
If what they claim was right, they should have fixed that during the refinance process not a year later, right
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

On XX/XX/2021 I received an unsolicited Cash App card in the mail and was able to find that it was linked to an account in my name. I have never opened or attempted to open a Cash App account so I immediately contacted Cash App support and they opened an investigation. I have asked Cash App what information they require to allow people to open an account because my credit file is frozen and the information on the account was very outdated but they said they would not tell me unless I submitted photos of my drivers license or passport along with a selfie of me holding those items. I refuse to give out more personal information so they will not provide me with any other information about the account. They state it has been closed as of XX/XX/2021.
Consumer complaint received 2021-09-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (MI)

US DEPARTMENT OF EDUCATION continues to ignore all proof of claims regarding a dispute for over 3 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (CA)

A mortgage payment check was never received. My first contact about this missing payment was from the mouth of the customer service rep was that I was being placed into collections. I started a research process with Movement Mortgage. I provided a copy of the carbon copy of the check that I mailed in on XX/XX/2021 for a XX/XX/2021 payment. I was finally forced to place a stop payment on the check. I attempted to place a payment on-line but was forced to contact Movement Mortgage customer service for assistance as the web page was not allowing me to pay the payment on-line. I was told that since my account was delinquent I could not pay the payment on-line. I was told by the first rep that the only was to resolve this issue to pay on-line now the second rep told me I couldn't on-line. Now I want to pay but I'm caught in a Movement Mortgage loop
Consumer complaint received 2021-06-28
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: Experian Information Solutions Inc. (UT)

I am having issues with the credit bureaus, Experian, XX/XX/XXXX, and XX/XX/XXXX. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am a victim of known-name identity theft. I keep receiving mail from Portfolio Recovery Associates , LLC for a XXXX XXXX at my address. In my 13 years of living at this address, there has never been a XXXX XXXX living there. 

On several occasions, I have contacted Portfolio Recovery Associates , LLC and other debt collectors sending mail to XXXX XXXX to my address. They keep sending mail. When calling Portfolio Recovery Associates , LLC, my call keeps getting dropped/hung up, or I am told that because I'm not the debtor they can't discuss the matter with me.
Consumer complaint received 2020-04-07
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: U.S. BANCORP (NJ)

On XX/XX/XXXX, I took my XXXX XXXX car to XXXX XXXX XXXX for the repair on my air conditioning system. Once I got there I was assigned to XXXX XXXX and told him that my air conditioning was not functioning properly that it was blowing warm air. He told me that they would inspect the system for the trouble and sent me home with a valet. After two hours, Mr. XXXX sent another valet to pick me up and I met again with him. He explained to me the workmanship that they did on the air conditioning and showed me a bill of {$1700.00} for which I was astonished. Seeing this he discounted the bill to {$1500.00} which I signed believing that the work was done properly. 

After I drove the car for a little while, I noticed that it was still not functioning so on XX/XX/2019 I called XXXX with my concerns. I was told to come back on XX/XX/2019. They kept the car overnight to recheck the air and they discovered that there was a leak in the EVAPATOR that was not detected in their initial inspection. They told me if I wanted them to repair the EVAPATOR they would charge me another {$900.00} which I refused to pay. 

On XX/XX/2019 I sent a letter to my credit card company, XXXX Bank XXXX Cardmember Service disputing the charge of XXXX. After waiting two months for a response, XXXX Bank refused to honor my dispute and consequently as of this date I have no air. 
At the present time this matter is being litigated in the court including but not limited to the XXXX Court.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, I am writing to you to request a goodwill adjustment for a late payment that is on my account from XX/XX/XXXX, and XX/XX/XXXX. I always make my payments on time and make every effort to fulfill my financial responsibilities, but the past few months have been a hardship for me. At the time of these late payments, I was laid off from my job due to unforescen medical issues, and still made the effort to make my monthly payment although I am still out of work. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I hope that you are willing to work with me on erasing these marks from my credit reports. Theyre also old addresses where I use to be resident at that I dont live at anymore I wish to have removed off my credit report. 
I am now trying to lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments.

I understand that according to federal law 15 U.S. code 1631a ( 2 ( Al ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why XXXX is heads above the rest. I look forward to your reply. 

Very Hopefully yours,
Consumer complaint received 2021-09-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (FL)

EQUIFAX credit bureau, continues to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Consumer complaint received 2021-06-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (MN)

Attached you will find documentation filed against Upgrade Inc. I was an Upgrade customer and have been unable to access my online account for close to a year. I called multiple times, held for hours and finally on XX/XX/2021 I reached a representative who confirmed that the one account I had open with Upgrade was paid in full, I followed up with an email ( see attached ) and was told the same thing. I was also told by a representative that I could not access my account because I had a XXXX email which makes no sense as I was able to access it to set up the account and take draws and pay down/off my account. I requested that the account be closed, and Upgrade agreed HOWEVER, Upgrade continues to withdraw money from my account monthly on an account that has been paid off and closed. I have also reached to XXXX XXXXXXXX XXXX, the Bank that backs Upgrade and have not received any response. These lending practices are deceptive and I need resolution. 
My ask is the following : 1. Upgrade provide a refund to me for the funds they withdrew after confirming that my account balance was XXXX, funds should be refunded from XX/XX/2021 to present as they are STILL being withdrawn from my personal checking account monthly 2. Upgrade send confirmation to the credit reporting agencies that my account is paid in full and closed My expectation is that this is done immediately. I have engaged both the Minnesota Department of Commerce and the Minnesota Attorney Generals office for support, and both suggested I reach out to you as they have not had any success reaching Upgrade of their Parent Company, XXXX XXXX XXXX. All supporting documentation has been provided.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I have three credit cards. Both XXXX and XXXX are showing all my opened accounts. But Experian is not showing any of my account. 

I called all three credit card companies ( XXXX XXXX, XXXX, XXXX XXXX ) multiple times and they confirmed that they are reporting my credit history to all three credit bureaus. 

I called experian multiple times in XXXX, XXXX and in XX/XX/2021 - they are saying that they are not receiving any report from any of the credit card providers. 

Out of three credit bureaus, I am facing this problem with Experian only. I am following with my credit card providers and experian since last four months without any result. 

I need your kind help to fix this problem.
Consumer complaint received 2021-09-02
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. (CA)

This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called XXXX XXXX over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am the author of this complaint as well as the attachments included in this complaint I checked my credit report and I noticed numerous inaccuracies on my credit report I reached out to the credit reporting agencies notifying them of the issues and to correct the issues but they did not nor did they respond
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Re : XXXXXXXX XXXX XXXX # XXXX # XXXX Violated 1006 ( Regulation F ) FDCPA Debt Collection Rule This is not the time to Reinvestigate or Update XXXX XXXX XXXX  your company received my Validation notice. I challenged the validity of both accounts mentioned that's currently being reported on consumer credit report. 

Durning that time, I noticed as a result of challenging both accounts the completion of XXXX investigation, they deleted the accounts based on the lack of ability to properly verify all reported information being accurate. The deleted accounts are listed below ; # XXXX ( open account ) XX/XX/XXXX # XXXX ( Closed account ) XX/XX/XXXX I attached the law below according to the FDCPA ; 12 CFR 1006.38- Notice for validation of debts.

( d ) Dispute ; ( 2 ) Response to disputes ; Upon receipt of a dispute submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt and, any portion of debt until the debt collector ; ( i ) Sends a copy either of verification of the debt or of a judgment to the consumer in writing. 

They didnt do that. 


XXXX XXXX had violated the FDCPA Rule 12 CFR 1006.38 ( d ) ( 2 ) ( i ) requirements by failing to send me the required Validation information and contents. 

It is my understanding the FDCPA states the Creditor and, Furnisher of information must report the same information to all credit reporting agencies. 

XX/XX/XXXX, XXXX XXXXXXXX XXXX  was in receipt of my default notice based on the lack of ability to properly Validate all reported information being accurate during the required validation period. 

As the accounts remained invalidated, they continued to violated the FDCPA requirements 12 CFR 1006.38 ( d ) ( 2 ) ( Regulations F ) with the continuation of their reporting.

In addition to the listed violation ; YOU violated the FDCPA Rule 1006.18 ( C ) ( 2 ) with your deceptive reporting by failing to communicate with the CRAs that YOU received my dispute notice challenging the validity of the reported accounts. I attached the law below ; 1006.18 False, deceptive, ( c ) False, deceptive, or misleading collection means. A debt collector must n
ot : ( 2 ) Communicate the failure to communicate that a disputed debt is disputed YOUR reporting has cause damaged to my credit score, credit worthiness, credit capacity, defamation of character and general mood of living and ; YOU have caused me Consumer Harm and, the duration of time over which the violations occurred. 

However, I disputed the accounts with XXXX XXXX XXXX XXXX XXXX I received copies of a bill, with a mailing date XX/XX/XXXX. I will include the dated envelope and notice with my complaint. 

This clearly violates FDCPA RULE I demand both accounts deleted immediately from my consumer credit file with the CRAs you have continued to report them to.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Reliant Capital Solutions, LLC (AR)

XXXX XXXX never sent any documentation over to XXXX XXXX  about my student loan tpd to XXXX XXXX as stated by them and XXXX says it sounds like when I first started my tpd it was a different process but either way I sent over my XXXX form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. XXXX told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX XXXX  score dropped XXXX points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to XXXX also the loan department of XXXX has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also reliant a new company only contacted me XXXX times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bepensa Capital, Inc. (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDITO REAL USA FINAN located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX I was logged out of my coinbase.com account and lost access to it. This was because my phone number was sim swapped and someone got my personal information. I was sim swapped on XX/XX/XXXX and this happened on the XXXX of XXXX of this year ( 2021 ). I had close to {$8000.00} in Bitcoin in my account. I emailed Coinbase.com multiple times but no response has been received.