davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX CONVERGENT OUTSOURCING XX/XX/2021 VIOLATION OF 15 U.S. Code 1692g - Validation of debts Re : Account Number XXXX Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. 15 USC 1692g ( a ) clearly states that you must have sent me a written notice of the alleged debt. You did not do this and if you say you did please provide me with proof. Pursuant to 15 USC 1692k violating this law will cause you to be liable for {$1000.00} in damages. I demand that you delete the reported tradelines from my consumer report. 

Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete XXXX XXXX calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficent validation response and this item must be removed immediately or i will seek litigation for Monetary damages along with the violations you alrerady committed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SECURITY FINANCE CORP (TX)

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other XXXX reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FactorTrust, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Investigation of Missing or Inaccurate Lien Information To Whom It May Concern, I am writing to request an investigation into my credit report regarding the absence or inaccuracy of lien information that I believe should be included. According to my records, the following lien ( s ) are either not reflected in my credit report or reported inaccurately : 1. Lien Description : Debtor : XXXX XXXX Secured Party : XXXX XXXX XXXX XXXX File Number : XXXX, filed on XX/XX/XXXX Collateral : XXXX XXXX XXXX XXXX  ( Serial Number : XXXX ) ( Collateral released ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXXXXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) 2. Additional Details : The lien should reflect the partial release of collateral concerning the XXXX XXXX XXXX XXXX XXXX The secured party retains interest in the remaining collateral listed above. The original financing statement, as well as the security agreement, states that this lien is governed under the laws of the State of California and the Uniform Commercial Code ( UCC ). 



Summary of the Promissory Note XXXX. Parties Involved : Borrower : XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX : Principal Amount : {$10000.00} XXXX XXXX : None ( 0 % ) XXXX. Payment Schedule : First Payment : {$3300.00} due on XX/XX/XXXX Second Payment : {$3300.00} due on XX/XX/XXXX Final Payment : {$3300.00} due on XX/XX/XXXX XXXX. Collateral : XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXXXXXX XXXX ( VIN : XXXX, License Plate : XXXX ) 5. Default Provisions : If a payment is missed, the Lender can seize the collateral and accelerate the remaining loan balance. 


6. Credit Reporting : Timely payments will be reported to the major credit bureaus.

7. Governing Law : Governed by the laws of California and the UCC.

8. Entire Agreement : This Promissory Note constitutes the entire agreement between the Borrower and Lender regarding the secured transaction.

The inclusion of accurate lien information is crucial for accurately reflecting my financial obligations and responsibilities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is complete and accurate. 

I kindly request that you conduct a thorough investigation into this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (FL)

It is unfathomable that Flagstar management has refused to help me to get to the bottom of this so I can live my life in a peaceful manner. Today, I received a foreclosure doc that stipilulated I missed payments. Lot of calls placed at Flagstar entities to tell us which months that I have missed ... Keep transferring over from Dept after Dept with no end in. Someone was telling me there are purposely trying to XXXX you up. Not only I have docs from XXXX Checking account to support my claim. In addition, all payments made was within Flagstar policy guidelines ( 16 days grace period ). Other relevant facts being told that all payment made, the escrow account team applied the entire amount to the principal, not being fractionalized to the other components of loan such as Taxes, Insurance et Principal... Still in the dark side of the moon. 

In summary : 1- The first 2 docs relate to XXXX XXXX  statement of the funding the property tax XXXX XXXX XXXX XXXX XXXX .. Flagstar1 is the 1st deposit of {$500.00} Flagstart2 is the XXXX deposit of {$4500.00}. 

2- Flagstar proof of cancellation : XXXX XXXX XXXX partial payment cancellation - the {$4500.00}. 
Once the remittance is received and it was mailed to Flagstar Escrow account to cover a fraction of the property tax. 

As noted per XXXX XXXX XXXX. The property tax for the year is {$11000.00}, substracting the {$5000.00} which resulting to ( {$550.00} per month ). 

3- Next is the insurance The insurance was purchased through XXXX XXXX which I paid using my credit card of ( {$1900.00} ) out of pocket. 

In overall, the math aspect of it, is very simple Principal {$250000.00} Mortgage XXXX = XXXX  % Property tax XXXX Insurance is XXXX Roughly the monthly mortgage paymeny ought to be {$1900.00} ish
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

I obtained a vehicle loan for a new car through Nissan Motor Acceptance on XX/XX/XXXX. The loan was paid in full on XX/XX/XXXX with XXXX balance. 

I pull my credit report XX/XX/XXXX and discover that Nissan Acceptance has reported my account as a charge off starting in XX/XX/XXXX in the amount of {$1000.00}, XXXX  months after I made the final payment and had a XXXX balance. 

I have reached out the Nissan Acceptance as well as XXXX numerous times ( dates listed below ) without response from Nissan Acceptance as well as this remaining on my XXXX credit report still reporting as " charge off '' until XX/XX/XXXX which starts it listed as " NR '' meaning not reported. 

This is currently still showing " Charge off '' on my credit report from XX/XX/XXXX - XX/XX/XXXX in the amount of {$1000.00}, XX/XX/XXXX shows not reported however the damage to my credit profile is there and lingering. 

This loan was complete and paid to a balance of {$0.00} in XXXX and should not be reporting Negatively on my credit.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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.

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 2024-09-12
Product: Credit reporting 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)

I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Im requesting your assistance with the incorrect account reflected on my credit report. It has damaged my reputation, and I need you to help fix this situation. Your incorrect reporting has caused me considerable distress, and you need to clear this inaccurate information from my record.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2021-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (CA)

I have a loan with Lending Club and got a little behind due to Covid. I called and scheduled 4 payments on XXXX to catch up my loan. Instead of deducting 4 payments, they deducted 6 ( XX/XX/XXXX, XXXX payments, XXXX, XX/XX/XXXX & XX/XX/XXXX ). This has created an incredible financial hardship. I called and was told they would refund my money since it was unauthorized. I waited and it never came. I called again and again was promised it would be refunded. I called again a week later to check on status ( it's now been 3 weeks and over 5 hours of my time trying to correct their error ), and was told my request was denied since I scheduled 4 payments and they took 4. Unfortunately I didn't have my records on me so couldn't properly dispute their claims. Once I got home, checking my bank statements, I discovered that they not only took 4, they took 2 more WITHOUT MY KNOWLEDGE OR PERMISSION. I called immediately and was told that it would be researched and they would call me back, which they never did. Besides the fact that their representatives and supervisors are XXXX rude and completely unprofessional - what they did was illegal and without my consent. With these additional payments, I am now paid through XX/XX/XXXX ( per their statements ). I want my money refunded NOW. 2 payments of {$1000.00}, so {$2100.00}. This is shady business practices, at best. ANd when confronted with their error, they chose to use abusive tactics to deflect from their mistakes- all in an effort to keep two months of my payments. I am sure I am not the only one ( nor is this the first time they have done this to me personally ). What a racket! They must be earning a TON of interest at our, the consumer 's, expense. It's shameful.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (FL)

I am writing to follow up on a previous dispute regarding inaccurate information on my credit report involving XXXX XXXX. Despite my earlier dispute, this issue has not been resolved. XXXX XXXX is still incorrectly reporting as a factoring company, when they are in fact a debt collection agency. This misrepresentation is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and truthful information be provided on consumer credit reports. 

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 is misrepresented as a " factoring company, '' which is inaccurate. They are a debt collection agency. 

Previous Dispute History : I previously filed a dispute regarding this inaccurate information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continues to misrepresent its status on my credit report. 

Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Furnishers of information are required to ensure accuracy in reporting. By misrepresenting themselves as a factoring company, XXXX XXXX is providing false information on my credit report. 

Requested Action : I request that you immediately remove all incorrect information related to XXXX XXXX from my credit report. Reinvestigate the dispute in compliance with the FCRA and notify me of the results. 
Provide written confirmation that the inaccurate information has been removed from my report. 

Attached are the following documents to support my dispute : A copy of my credit report with the disputed entry highlighted. 
Any relevant communications between XXXX XXXX and myself. 
A copy of my original dispute letter and any correspondence from the credit bureau acknowledging the prior dispute. 

Please investigate this matter thoroughly and provide me with a written response within 30 days, as required by the FCRA. This situation has persisted despite my previous attempts to resolve it, and I expect the CFPB to take the necessary corrective actions immediately. 

Thank you for your prompt attention to this ongoing issue.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On about XX/XX/XXXX I attempted a purchase however Bank of America had locked my card due to suspicious activity - a debit of approximately {$20.00}. When I called, I was told I would receive a replacement card. I activated the new card on XX/XX/XXXX but was unable to add the card to the Wallet on my XXXX. After nearly 2 hours on the phone with BofA ( during which I was asked to try various steps to add the card including removing all other cards from my XXXX Wallet ), I was told I was prevented from adding my card due to suspicious activity - the ~ {$20.00} debit the originated in Florida. The " manager '' informed me that it could take anywhere from a few days up to 6 to 9 months to be able to add the card to my phone or watch. The more I think about this situation, the more frustrated I get. I don't think I should be prevented from having easy access to my funds because of a {$20.00} suspicious transaction. Bank of America is treating me like I am criminal not like a XXXX  year-old who has had a banking relationship with B of A for decades and who has maintained relatively high balances with the bank. Hopefully you can help.
Consumer complaint received 2024-09-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

Hospital is billing me for services and care to my new born son. We are currently covered under insurance however they removed the insurance coverage for my son my clerical error. Then, when they reinstated it, amount were higher due to deductible which is over $ XXXX family annually. Then XXXX 's sent these bills to CMRE Financial Services Inc. without our knowledge and consent. 
I called them a few times to settle this portion of the said debt, and was given different information each time. XXXXXXXX XXXX said there is option to pay the agency and get settlement discount. I called them and the rep I spoke to told me there was a discount and now there isn't. It's shady practice and to take advantage of our situation.
Consumer complaint received 2024-09-12
Product: Credit reporting 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. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.