davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I purchased my home XX/XX/XXXX of XXXX. Since then I have made substantial upgrades to the home including adding a bathroom addition, full kitchen remodel, landscaping and more. I had the home reappraised ( appraisal attached ) and it came in well over at {$XXXX} ( XXXX over ) the needed 20 % to remove the PMI I am paying. 

On XX/XX/year> I called Lakeview LoanCare Services and requested that my PMI be dropped and asked how I submit my appraisal for review. The woman on the other end explained that they could not use my appraisal. I must use someone from their team specifically for either a BPO inspection or a new appraisal. A BPO isn't a legally binding document so I was confused how that would XXXX my appraisal but she said I could give it to their BPO inspector for review at time of inspection. I then asked if I could go ahead and schedule the BPO inspection. She said based on my online portal I only had XXXX in equity in my home. I explained thats correct, it does not take into account any of the work that has been done hence the new appraisal. She said that in order to have the BPO inspector come out I had to submit a request to remove my PMI over the phone. I then had to wait 20 days to get a letter in the mail either approving my PMI removal or declining it. I asked how it would get approved without them seeing the home and obviously it wouldn't. So I have to wait 20 days for a denial letter. The denial letter will then explain my options to move forward with the BPO or the appraisal from someone from their team. I can then call back, wait on hold all over again, pay in advance and then request the inspection to be scheduled in the next few weeks.

I then logged back into my account today ( see screenshot ) and it says my home is worth {$310000.00} with XXXX equity. I purchased the home for {$360000.00}. Last week on XX/XX/year> my home had {$10000.00} in equity making my home worth {$360000.00} according to Lakeview without my home improvements being accounted for ( which evidence of was recorded on my call with Lakeview ). Somehow in 6 days AFTER making the request to remove my PMI my home value has dropped around {$50000.00}? 

This process will take well over a month which is basically just a scam for me to continue paying the PMI for at least another month if not more.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Credit Acceptance Corporation regarding a fraudulent and unresolved issue with a vehicle purchase financed through them. Despite my repeated requests for the appropriate paperwork and resolution, the situation remains unresolved and has significantly impacted my life and credit history. 

On [ Purchase Date ], I purchased a vehicle through a dealership that was financed by Credit Acceptance Corporation. Unfortunately, the vehicle turned out to be a lemon, with numerous mechanical issues that rendered it unreliable and unsafe. I requested Credit Acceptance Corporation to repossess the vehicle due to its condition and the fact that it was sold to me under false pretenses. 

Despite my request, Credit Acceptance Corporation failed to repossess the vehicle and did not provide any assistance or resolution. As a result, I have been burdened with the financial responsibility for a non-functional vehicle for over XXXX years, adversely affecting my XXXX XXXX and overall financial well-being. 

I have attempted to resolve this matter directly with Credit Acceptance Corporation by requesting the removal of this debt from my credit report. Unfortunately, my requests have been ignored, and the incorrect information remains on my credit report. 

I believe the paperwork and terms provided by Credit Acceptance Corporation to be fraudulent and misleading. The documentation does not accurately reflect the condition of the vehicle or the terms initially agreed upon. 

I am seeking your assistance to investigate this matter thoroughly and facilitate the removal of this debt from my credit report. If this issue is not resolved promptly, I am prepared to take legal action against Credit Acceptance Corporation for their fraudulent practices and the financial harm they have caused me. 

I am providing all relevant documentation and correspondence related to this matter for your review. I kindly request that you investigate this situation and help ensure that Credit Acceptance Corporation addresses this issue fairly and legally. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-08-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC (TX)

You have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (GA)

Subject : Request for Account Deletion or Update on Credit Report ACCOUNTING Dear I am writing to address an urgent matter concerning my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate and truthful. 15 U.S. Code 1681e ( b ) : This section requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy and completeness of the information in consumer reports. It stipulates that these agencies must have procedures in place to verify the accuracy of the information they report. Under the Fair Credit Reporting Act ( FCRA ), the requirement for accuracy and completeness in credit reporting is outlined primarily in 15 U.S. Code 1681e ( b ). This section mandates that consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy '' in the information they include in consumer reports. It has come to my attention that my account with sallie mae inc, which has been sold to XXXX XXXX XXXX XXXX, is not accurately represented on my credit report. Specifically, the account should be updated to reflect that it was sold for less, paid for less, than the full amount owed. I kindly request that you take the necessary steps to either : Delete the account from my credit report, as it is no longer under SALLIE MAE INC purview, or Update the account status to reflect that it was sold for less paid for less than the full amount, ensuring that all information reported is accurate. In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. A copy of this request for validation has been sent to the FTC CFPB AND three national Credit Reporting Agencies to begin their 30-day ingestion. Please provide me with written confirmation once these changes have been made. If you need any additional information or documentation to process this request, do not hesitate to contact me at the phone number or email address provided above. Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. Sincerely,
Consumer complaint received 2024-08-22
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: HYUNDAI CAPITAL AMERICA (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-04-19
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. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-17
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-01
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. (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

I received 2 Square Debit cards on or around the dates of XX/XX/XXXX to XXXXXXXX 2022 from Square , Inc. I did not sign up to receive these cards and did not notify Square , Inc. that I wanted them. The cards were sent to my home address as 2 separate mailings. Both of the cards have my social security number listed in full on the front of the card. In addition, my full social security number was included between my name and mailing address and appeared in the window pane on the envelope that was sent to me with the cards. A representative from XXXX XXXX XXXX XXXX and myself called Square , Inc. on XX/XX/2022 and XX/XX/2022 to let them know of these issues. During those calls, we informed the customer service representatives at Square , Inc. that the cards are fraudulent, to close/cancel them, and to do what it takes to remove them from my credit report/alerts. During both of the calls, we provided the representatives with my e-mail address and cell phone number to correspond. The representatives indicated that they would follow-up with me after each call to discuss/review next steps and the process to clear my credit. As of today, XX/XX/2022, I still have not received any follow-up correspondence from Square, Inc. regarding the fraudulent cards nor how they will clear my credit reports.
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc. (NM)

In XX/XX/XXXX I was in a not at fault accident. The vehicle I had financed through GM financial was crushed, and towed to a yard. I informed GM financial of this on XXXX. I was told at the time to keep them in the loop, as I was not at fault. It was determined that I was not at fault, and the responsible party was trying to evaluate the vehicle and damage. At this time it was discovered that GM Financial had taken possession of the vehicle. They were contacted by my legal team. It was asked why they did not inform me of their intent to take the vehicle. That could not be answered. We were informed it was selling at auction the next day. 
Because of this, my insurance had to pay the vehicle, with the intent of recouping the amount from at the fault party once a settlement is reached. 
Following this payment, I started my GAP insurance claim. I informed GM financial of this and spoke with them several times. I filed my GAP claim on XX/XX/XXXX. 
On XX/XX/XXXX I was informed by my GAP insurance that GM Financial cancelled my GAP insurance on XX/XX/XXXX. I contacted GM Financial and was advised that my vehicle was repossessed. Then I was told that it was impounded. I advised that I knew this because it was undrivable after the accident. I was then told by another representative that it was repossessed and they refuse to reinstate my GAP. When I asked why I did not receive anything notifying me that my vehicle was repossessed, I did not get an answer.
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (NJ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CT)

I inadvertently disassociated my mobile number with my CashApp account on XX/XX/2022 which had a balance of approximately {$500.00} and completely lost access to these funds. I attempted to recover my account by contacting CashApp support and providing my account information. They claim they were not able to successfully complete the recovery process and said they could not assist me any further.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NJ)

On My XXXX credit report it shows on XX/XX/year> that an inquiry was done for a credit card with CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I told that company that someone has been trying to get credit cards in my name and that I did not request or applied for any credit cards from CBNA. I asked them to remove it and to advise XXXX to remove the inquiry from my report. This is fraud and identety theft and need your help to remove this inquiry that was not done by me.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (MO)

I filed XXXX XXXX bankruptcy in XXXX The Apple Card with GS bank was included in the bankruptcy. The Bankruptcy has been discharged. Apple Card still reports the account as open with a XXXX balance. I disputed the account with XXXX recently, an investigation was completed and Apple Card replied that they investigated and there is no change to the account status.
Consumer complaint received 2024-08-18
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CO)

This company sabotages everything, extorted me out of at least XXXX $ in shipping fees stolen all my money from my benefits every month stole my apt from right out of my feet, gotten my personal information and put hexes and cursed my family and my boyfriend and my own health and well-being and cheated on my taxes and stolen my back pay from social security I never received and stolen my service animal and killed it, threatened and pays with my own money people to try and kill me every single day I have XXXX incidences where they date XXXX drugged me and overdose me and put me kidnapped in the hospital almost to death XXXX times and kidnapped and trying to murder my family members and took my friend lives with murder and they are still at it they moved in to the building my boyfriend lives in and is impersonating celebrities and are harassing me daily stolen over XXXX $ over 8 year period of time and steals every phone and belongings I get stolen my whole life and turned everything and everyone against me and ruined my reputation and is not going to stop there has been people murdered by them and my family and I are still kidnapped and it's not stopped yet... I am at my wits end, they steal everything I have everyday and they are on drugs and they drugg me and overdose me and my family and my boyfriend and they brainwashed everyone and the police have been alerted about this too... I need immediate help with this this has turned into a multi state abomination. They got the coalition for the homeless to kidnapp XXXX and bieden it's very serious
Consumer complaint received 2024-08-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

To Whom it May Concern : I am writing to file a complaint against Cash App concerning a XXXX  transaction that occurred on XX/XX/year> at XXXXXXXX XXXX XXXX. I sent XXXX from my personal XXXX  wallet to a wallet that I mistakenly thought was my personal Cash App wallet. The mistake happened because the Cash App wallet address was recorded on XXXX as the address that was used to send a previous transaction ( Transaction ID : XXXX ) from my cash app to my exodus. Unbeknownst to me at the time, this address I sent my XXXX to belonged to Cash App as part of their exchange services. 

Upon realizing the mistake, I contacted Cash Apps customer service, via the phone. The representative told me they can submit a ticket to their XXXX  team to investigate but that there was no one to physically speak to. The XXXX  team for cash app contacted me and I explained the situation but they informed me that they are unable to locate or retrieve the funds. I have exhausted all avenues of communication with Cash App, including multiple attempts to escalate the issue to higher management, without any resolution. 

The details of the transaction are as follows : - **Transaction ID** : XXXX - **Amount** : XXXX XXXX - XXXX : XX/XX/year> XXXXXXXX XXXX XXXX 
- XXXX Address it was sent to** : XXXX
Consumer complaint received 2024-08-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (MN)

I had contactedXX/XX/XXXX at last in previous weeks to set up a repayment plan, I was due to pay XXXX on XX/XX/24 and XXXX on XX/XX/24. I contacted them XX/XX/24 at XXXX and asked if I could set up a different payment method and was given my options. On XX/XX/24 I called at XXXX to pay off my loan but was told that I was not able to make any payments on my account and would be receiving communication in the mail by XX/XX/XXXX. I attempted to ask questions as to why I wasn't allowed to pay my bill off but they will not able to provide me with a response. My account is showing as " Account in Collections '' in which I am being denied the right to pay or told where or who else to contact. I have a right to pay my bills and I am being refused that right. If I am to wait until XX/XX/XXXX to receive further communication from them, it will continue to affect my XXXX XXXX and most likely occur further fees. So is there anyone who can provide me with a response as to why I am being denied the right to pay off my bill?
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (GA)

REMOVE HARD INQUIRY RE : ONEMAIN According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. These shall be excluded on consumer reports. 

You ( COMPANY ) will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. 

***Should you not close immediately, I will pursue civil litigation and sue for defamation, denial of credit opportunities, and denial of career opportunities.