davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

This is a follow up on the original complaint number : XXXX XXXX XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE LOAN NUMBER ; XXXX ( SPECIALIZED LOAN SERVICING ) INVESTOR ( XXXX XXXX ) According to the servicer the investor listed on the mortgage note is XXXX XXXX . XXXX XXXX has denied that they are the investor and the loan is serviced by Specialized Loan Servicing. 1. According to Specialized Loans Servicing, XXXX XXXX does not allow a recast on this loan. XXXX XXXX has repeatedly stated they are not aware of this guideline. 2. Specialized Loan Servicing took a payment on XX/XX/XXXX for the month of XXXX, XXXX stating that payment will allow the loan to be setup for a bi weekly payment. On XX/XX/XXXX XXXX the servicer request a payment be made and applied towards XX/XX/XXXX mortgage payment at which stage a bi weekly payment will be allowed. At this point they have taken two payments and they are not able to setup a bi weekly payment for the month of XXXX on Specialized Loan servicing has not clearly described the reason why the loan is ineligible for a recast.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: M&T BANK CORPORATION (DC)

I reported 3 unauthorized charges '' XXXX {$150.00} anany XXXX {$210.00} XXXX {$360.00} Though the bank processed, and credited the first two ( XXXX and XXXX ) it has not processed or credited the XXXX, And despite numerous calls to the bank, and hour long holds I have not been able to get XXXX information as to why the unauthorized charge has not processed. 
In fact, I have been told it did process but why the credit has not posted is error. Each time, I am told call back tomorrow, call bacck tomorrow.
Consumer complaint received 2024-04-03
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. (PA)

I believe FCRA 605B obliges us to eliminate any faulty entries from my credit dossier. Could you verify the paperwork? Some of the mentioned accounts exhibit inaccuracies concerning their reporting, such as incorrect amounts and dates.
Consumer complaint received 2024-01-11
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: EQUIFAX, INC. (MI)

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 2024-01-11
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. (MD)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact, a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report : XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX
Consumer complaint received 2024-04-03
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. (FL)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (IL)

Greetings, my situation is that I am using this app called Robinhood to deposit money for crypto and to invest. Around XX/XX/2023 I lost my phone ( XXXX XXXX ) which is linked to my Robinhood account. Quickly after losing my phone I purchased a new phone ( XXXX XXXX XXXX ). Around the same time, my Robinhood account got restricted for no reason on XX/XX/2023 after I had a deposit come to my account for {$6500.00} in Bitcoin. Thankfully I was able to withdraw the money to my bank account on my windows computer, which is also linked to my account. Prior to getting restricted on the app, I had around {$3500.00} in crypto ( XXXX XXXX ). Im bringing this up because now I can not withdraw my money from the platform due to the restrictions.. Ive been calling the support line for days now because the support team and in the app says it can take 7-10 days to resolve.. Well its been more than 10 days and I keep getting the run around everytime I get on the phone with support and they keep asking me to verify the same information that I keep providing.. I uploaded a previous bank statement, current drivers license and did face recognition to prove that its my account, but its still restricted.. Everytime I call the support they wont give me a reason to why its still restricted after all I provided and they tell me the same thing on the phone..
Consumer complaint received 2024-01-13
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. (GA)

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. 

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 has violated my rights. Or 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 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Consumer complaint received 2024-02-08
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 (PA)

Received letter from Portfolio recovery associates dated XX/XX/ that account was marked as disputed on XX/XX/ same day I received this from them I sent a cease and desist letter directly to their corporate office address in XXXX VA. I stopped receiving letters and calls until about XXXX weeks ago so for almost 2 years no communication from them however calls have started again multiple calls from different local phone numbers they do not leave messages but continue to call. I have spoken to different reps who all have something different to say XXXX rep says they do not see a cease and desist while another rep states they do see XXXX on this account and documented to have communication stopped however that has yet to happen
Consumer complaint received 2024-04-23
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. (NY)

I am writing to file a formal complaint regarding persistent inaccuracies reported by XXXX XXXX XXXX on my credit report, specifically concerning Account Number XXXX. This marks the third dispute I have initiated regarding this creditor 's reporting inconsistencies, yet the matter remains unresolved. 

Despite multiple disputes and my provision of documented evidence, XXXX XXXX XXXX  has continued to report misleading information to my credit report. It is deeply concerning that Equifax 's investigation process has failed to adequately address these inaccuracies, allowing them to persist unchecked. 

The most recent inaccuracies reported by XXXX XXXX XXXX  are particularly egregious. They have erroneously stated that this account was closed since XXXX, yet their reports indicate current and up-to-date payments made in XX/XX/XXXX, a 30-day late payment in XX/XX/XXXX, and timely payments in XX/XX/XXXX. Such contradictory information raises serious questions about the reliability and integrity of their reporting practices. There is no way that these on time payments and late payments can exist when this account was closed years ago. 

I demand immediate escalation of this matter to ensure a thorough investigation and prompt resolution. This ongoing ordeal has become increasingly frustrating and distressing. I feel as though I am being discriminated against and treated unfairly, as Equifax repeatedly fails to rectify these inaccuracies despite my efforts to provide documented proof of any late payments and adjust all inconsistencies and remove this account from my consumer report. 

Furthermore, I demand documented proof of any late payments attributed to this account, provided to me and before being verified as " Accurate '', as well as the immediate removal of this erroneous account from my credit report. These actions are imperative to uphold the regulations outlined in the Fair Credit Reporting Act ( FCRA ) and to protect my rights as a consumer. 

Failure to address these concerns satisfactorily will leave me with no choice but to explore further avenues to ensure the proper resolution of this matter. Thank you for your prompt attention to this urgent matter. 

Attached is proof of my identity. Proof of inaccurate and inconsistencies being reported to my account. 

I expect a swift and satisfactory resolution to this ongoing dispute.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

In accordance with 15USC 1681 ( a ) ( 4 ) my rights have been violated. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Consumer complaint received 2024-01-10
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. (FL)

XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (FL)

OnXX/XX/2023 I sent a request to validate an alleged debt that I discovered on my credit report because I was looking purchase a home. I requested documentation for my record also advised them if they satisfied my request that I would have no issues with satisfying the alleged debt.

I also said if they did not respond within 30 days that they were admitting to several violations. It has now been more than 30 days and because I wanted to remain honorable I am sending them an official notice of fault, just in case it was lost in the mail or they forgot to respond.

There is also an invoice that I sent regarding the violations that would be in-acted after 30 days of no response. I will have all documents attached with this filing.
Consumer complaint received 2024-04-23
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. (GA)

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. 

Account Name : XXXX XXXX BANKRUPTCY Account Number : XXXX and 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 2024-02-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (FL)

In XX/XX/XXXX i received a debt collection notice. I contacted of company to inform them the account was not mine. I contacted XXXX in inquire about account open in my name and submitted a fraud report and filed a police report to the local sheriff 's office. I received another notice from a different company of collections. i contacted that office to inform them the debt is not mine. again i contacted XXXX fraud department. This week i noticed the collection on my XXXX credit report. I again contacted XXXX with a ticket number of XXXX. I also contacted XXXX to report the fraud under ticket number XXXX. I have attempted to clear my credit XXXX times in XXXX months. every time i call the whole process seems to start over and the only one affected is me. I have never had a XXXX account, i have had XXXX XXXX XXXX  since XXXX. The debt collector that reported to the credit bureau is Source Receivables Management.
Consumer complaint received 2023-10-10
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. (TX)

I want to file this please as my formal complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I HAVE A PROBLEM XXXX EQUIFAX REPORTING I HAVE A TWO CHARGED OFF ACCOUNTS XXXX XXXX  AND XXXX XXXX SO EQUIFAX IS REPORTING THEM AS LATE PAYMENTS INSTEAD OF CO OR CLOSED THEY WERE BEFORE NOW THEY ARE REPORTING LATE AGAIN AND ITS NOT RIGHT THE ACCOUNTS WERE CLOSED IN XX/XX/2021 I NEED THEM TO REPORT AS CLOSED OR CHARGED OFF LIKE THEY WERE BEFORE
Consumer complaint received 2024-02-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc. (AL)

These accounts are not mine I been trying my best to talk and call nobody is helping me they been giving me the run around for the last 3 months Im out on the streets right now because these accounts are holding me back I cant get approved for nothing I have all the evidence even a police report still no help XXXX Reported : XXXX XXXX, 2024 {$610.00} -PRO COLLECT {$600.00} Reported : XXXX XXXXXXXX XXXX PRO COLLECT {$530.00} Reported : XXXX XXXX, XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (SC)

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 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

OnXX/XX/24 I went to Toyota of XXXX with the intend of buying a new car, where I agreed to have my credit score checked. The salesperson made multiple offers to persuade me to get the car and one of them was to open a credit card to help with the down payment. The car I was looking into had a down payment of {$4500.00} and I said I had {$1500.00} in cash. Thus, the sales person said I could be approved for up to {$3000.00} if I took the credit card and I would have 0 % APR for 6 months. Still, I declined and never signed anything or said I would come back. Then today XX/XX/24 I received a letter in the mail with my new credit card attached. I did not sign any documents nor agreed to open a credit card under my name. I need to know if my signature was falsified or how does this work for them to open it without my consent or knowledge.
Consumer complaint received 2018-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (CA)

I was deposited a total amount of {$2000.00} since XXXX of this year. I have paid {$1100.00}. I still owe them {$1800.00}. Ridiculous fees. I have tried to tell them they are illegal in my state as they are charging over 200 % in fees, but they insist they are a tribal lenders and does not have to abide with state laws.
Consumer complaint received 2023-07-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

Resurgent/LVNV is a Debt collecting agency and has been on my credit report for years just causing damage to my consumer report. I have NO contract or agreement with LVNV. I contacted them numerous of times in XXXX and XXXX requesting validation of debt pursuant to 15 USC 1692. They have only sent me in return basic generated statements. They have added 2 separate accounts in my credit report. These accounts are unverifiable, In addition, They are NOT legally authorized to be collecting any debt from me. Resurgent/LVNV is not licensed in my state FLORIDA. to be collecting from me. They are violating The Fair Credit Reporting Act. 


Account Info : Account Number XXXX XXXX Reported Balance {$780.00} Account Number XXXX XXXX Reported Balance {$710.00} Account Status COLLECTION