davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report.

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 USC 1681. Items listed above, have violated my rights.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 an 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 ( AN ( 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.

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Fraudulent Accounts Listed Below : - Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$1600.00} - Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : - XXXX XXXX XXXX, Automobile Dealers. Used, XX/XX/XXXX, Experian - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian - XXXX XXXX, Auto XXXX XXXX XXXX Experian - XXXX XXXX XXXX XXXX XXXX XXXX Experian - XXXX, Personal Loans companies, XX/XX/XXXX, XXXX - XXXX XXXX, XXXX XXXX, XX/XX/XXXX, EXPERIAN 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  FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Consumer complaint received 2022-11-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

In XX/XX/XXXX, your company placed a collection account on my credit report without providing me with any prior notification that I owed this debt. Additionally, I was unaware that a small balance of {$190.00} was allegedly owed to XXXX XXXX XXXX. In XX/XX/XXXX, I started the process of trying to finance my first new home. On XX/XX/XXXX, my mortgage lender obtained my credit report and requested a letter of explanation on any negative reported on my credit report as per the requirement of obtaining a VA mortgage. I was provided with a small list of accounts that required attention, and this was the first time I had any knowledge of a debt owed to you. On XX/XX/XXXX, I had mailed the enclosed settlement offer letter to attempt to pay the balance off in full to your company in exchange for a courtesy removal of the account, even though I had no knowledge of this debt being owed. This also included a debt validation request in the event you wouldnt honor my offer. The debt validation portion came directly from the CFPB website and shouldve been subsequently treated as a dispute. This wouldve allowed you 30 days from receipt to provide me with all the requested information which I am entitled to. This was sent certified and was received by you on XX/XX/XXXX, signed by A KNG. Two days later, I started receiving phone calls from Conserve, so naturally, I had assumed your communications were being made to address my offer letter. It was not. I had informed the rep that I had submitted an offer letter which also included a debt validation portion should ConServe choose to not honor my offer and had asked her to please respond to my mailed requests. At this point, any collection attempts shouldve been stopped so that a proper investigation could be completed. That didnt happen. The rep proceeded to state that no letter was received and accused me of lying to the credit bureaus ( or that theyd be lying to the credit bureaus by responding to my letter ). I wasnt quite sure what was meant by that, so I kindly ended the call requesting that a rep responds to my letter On XX/XX/XXXX, a remark was noted on this account since the bureaus had been informed by ConServe that I was requesting a validation of debt. The remark reads, Account information disputed by consumer, meets FCRA requirements. As of today, the only information that I've received was legally should've been an initial debt notification notice. This should've been provided with prior to this account being placed on my credit report. There were no additional items provided, none of the my questions were addressed, and my credit shows no update/removal of this account.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

Prime investments has reported an inaccurate negative comment on my credit report. I do not owe a debt to them in the amount of XXXX dollars as they have reported in XXXX of XXXX, and again on XXXX of XXXX. I have never signed an agreement with them, and they have never furnished me with one. I demand they remove this account from my credit report
Consumer complaint received 2023-07-03
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: BMW Financial Services NA, LLC (LA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-03
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Equifax - I called, Online request and forms and handwritten certified letter in XX/XX/XXXX the letter requesting Inquiries be removed because they were not mine and all other agencies ( XXXX XXXX ) worked with me and the inquiries were removed. Equifax is not even trying and I followed all steps requested but they send generic refusals to me. There were 13 inquires to be removed and they failed to properly remove it after I did my due diligence and reporting. 

XXXXXXXX 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
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc. (IL)

My account was sold to a different company after repossessed and sold. The balance on that account isnt accurate, and has a negative impact on my credit. There shouldnt be a balance of {$4000.00}
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (GA)

Illegal payday loan with unreasonable interest rates. 
Moreover, according to Section XXXX of the Georgia Code, any interstate financial corporations caught at payday lending operation in Georgia will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.
Consumer complaint received 2022-11-23
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. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

My XXXX XXXX XXXX and used to open a checking, savings, and personal loan accounts in XX/XX/XXXX with XXXX XXXX XXXX XXXX. I filled out their identity theft kit and had a XXXX XXXX XXXX XXXX XXXX employee notarize it. I submitted it to that employee the same day on XX/XX/XXXX. I've called in 3 times since then. I was even asked to email the identity theft kit notarized by their own employee to them because they couldn't find it. 

I emailed a digital copy on XX/XX/XXXX to " XXXX ''. I still have not received a response.
Consumer complaint received 2023-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (NC)

XX/XX/XXXX I received an email on my XXXX  account about a decrease in my credit score of XXXX. 

Upon checking my profile I discovered a total of {$290.00} was sent to a collections company called Franklin Collection SV. ( XX/XX/XXXX ) XX/XX/XXXX I contacted the collection agency who advised me an individual opened an account with XXXX XXXX XXXX two years ago in my name and/or social security number. During the past two years the thief paid on time and upon the completion of their term, returned all borrowed hardware. The remaining {$290.00} was an end of contract fee. This account was opened in XXXX Illinois. A location of which I have never lived in nor visited. I have lived in North Carolina for the past 8 years. Once I was aware of the case information I requested the collection case be labeled with a dispute. 

I notified XXXX  and notified them of the case being labeled with the collections agency as disputed. 

XX/XX/XXXX - competed this report for investigation. 

*Note - I was a victim of identity theft prior to this incident. Around XXXX of XXXX in the same location of XXXX Illinois as a result of an account being opened with XXXX XXXX XXXX XXXX XXXX The result of that investigation found me to be in-fact a victim of identity theft and not responsible for the collection case.
Consumer complaint received 2024-09-04
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

Specifically, the loan that shows a 60-day late payment for XX/XX/2019. This information is completely inaccurate, because before a 60-day late payment should be a 30-day late payment on the report, which was not reported. Actually, the reports show current/met terms for XXXX 2019. This student loan account did not require a payment in XX/XX/2019 due to the fact that at that time, I was enrolled full time at the XXXX XXXX XXXX XXXX  XXXX XXXX. Attached to this letter is a copy of my XXXX XXXX XXXX XXXX that confirms this information. Please remove this inaccurate late payment information from all of my consumer credit reports immediately, because it is affecting my financial goals. If you need more information regarding this matter, please contact XXXX XXXX of the XXXX at XXXX or XXXX.
Consumer complaint received 2022-11-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I am in the process of selling my home, closing has been delayed because Lakeview is not providing the Power of Attorney documentation for XXXX XXXX, with Massachusetts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX an Assignment of Mortgage when my loan was transferred to a different servicer. XXXX XXXX XXXX company has been requesting this documentation for over 10 days now and again this has stalled my closing. I am incurring more costs each day and we need the Power of Attorney documentation as soon as possible. My representative with XXXX XXXX is XXXX XXXX XXXX. Please provide the documentation as it should be housed with Massachusetts XXXX XXXX XXXX.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I have contacted Experian several times in regards to these hard inquiries on my credit report that I did not authorize. Spoke with a rep by phone and they stated it would take XXXX for file to update and they will be removed well they have not been removed thats why I am contacting CFPB to file a complaint. 
Hard Inquires 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once they have removed these inquires I would like to get a copy of a updated report reflecting the change.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Marked late from XX/XX/XXXX to XX/XX/XXXX when they had set it up on auto debit from my bank, so it was never late That was part of the arrangement. They then reported no data from XX/XX/XXXX through XX/XX/XXXX when payments were still being made. This account actually got overpaid due to the same billing errors, and they had to refund me. That was an error in the autopay system and likely also the reason for the payments incorrectly marked late.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Upgrade, Inc. (FL)

I am filing this complaint against Upgrade , Inc. regarding their failure to allow me to fully access and use my credit card account. Despite this being my account and my credit, I am being denied the ability to utilize the credit line that was agreed upon in the original contract. At the same time, Upgrade continues to demand monthly payments, creating a situation where I am expected to perform ( by making payments ) without being given full access to the credit as agreed. 

Furthermore, Upgrade has failed to respond to a Conditional Acceptance I submitted, clarifying my rights and terms regarding my account, in accordance with the Uniform Commercial Code ( UCC ) 1-308. This failure to respond constitutes tacit agreement to the terms I proposed, and yet they continue to block my access to my credit. 

I also believe that Upgrade has violated federal securities laws by not disclosing whether my account has been securitized or used as an asset in the marketplace, which would entitle me to equity or interest on the account. 

Key Issues Access to Credit : I am being denied access to use my credit card despite the account being active and in good standing. This is a violation of the contract and my rights as the account holder. 
Failure to Respond to Conditional Acceptance : I issued a Conditional Acceptance to Upgrade to clarify the terms of the agreement, but they did not respond, which means they are not addressing my concerns in good faith. 
Securities Fraud : I am concerned that my credit account has been securitized without proper disclosure, and I am not receiving any of the interest or equity that may have accrued from these transactions.

Continued Payment Demands : Despite blocking my access to credit, Upgrade continues to demand monthly payments, which is both unfair and deceptive. 
Relevant Laws and Regulations Truth in Lending Act ( TILA ) : Upgrade has failed to provide accurate and transparent information regarding the credit line and associated costs. 
Securities Laws : Upgrade may have unlawfully securitized my account without providing disclosures, thereby committing securities fraud.

Uniform Commercial Code ( UCC ) 1-308 : Upgrade 's failure to respond to my Conditional Acceptance is a breach of good faith negotiations.
Consumer complaint received 2022-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (ME)

Today a charged off account appeared on my XXXX with Sunrise Credit Services for a charged off {$200.00} account with XXXX XXXX XXXX I called both Sunrise and XXXX, advising this is hurting my securty clearance and this is and never was my account. Ever. It was opened without my knowledge or consent by an unknown perpetrator. 


SunrisecredXXXX XXXXChargeoff {$200.00} Date reported XX/XX/2022 Date opened XX/XX/2022 Account type Collection Credit limit N/A Account disputed No Amount past due {$0.00} Remarks Placed for collection Account designation Individual Original creditor XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

The servicing of my mortgage was transferred to Shellpoint Mortgage. Since that time, I have received numerous statements changing the amount of my monthly payment. They sent me a refund from the escrow account and stated that they were not paying my property taxes. When I told them that the taxes and insurance were always included in my mortgage payment, they revised the monthly payment to include only the insurance. This servicing has been a chaotic mess. 

I requested the cancellation of the escrow account and was not informed that the request was denied in XXXX. On my third inquiry, I was informed that since they are a " new lender '' I would be required to have a 24 month payment history with them before the escrow account could be cancelled. I already have a SIX YEAR history with the previous servicer. I have no confidence that Shellpoint will handle my escrow account correctly and since my loan to value is approximately 50 %, I should have the right to cancel my escrow account.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (NC)

I'm filing this complaint about late payments on my credit record. I found these late payments when checking my records. I sent letters about this over 30 days ago but got no response or proper validation. I need your help to fix this quickly and effectively.
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (FL)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX