davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (TX)

In XX/XX/XXXX, we received a letter from Roundpoint Mortgage Servicing asking us to use a website to upload proof of hazard/homeowners insurance since our coverage was getting close to expiring. ( We do not escrow this. ) I used the website and the information from the letter and received confirmation on the website that the information had been received. 

A few weeks later, I received another letter stating that I needed to provide proof of insurance. I assumed there must have been some sort of error with the site, so I followed the steps again. Again, I got confirmation that everything had been verified. 

Last week ( XX/XX/XXXX ) we received a letter stating that we had not provided proof of insurance so Roundpoint would be purchasing it for us. I immediately called and spoke to a rep who had me email proof of insurance. While I was still on the phone, she told me she had received the email with proof, but that I would have to wait for a letter to come in the mail stating that we would no longer be charged for the insurance Roundpoint claimed they were purchasing on our behalf. 

Yesterday ( XX/XX/XXXX ) we received another letter stating it was the final notice asking for proof of insurance. I again called and was told that we had already provided proof of insurance and that at no time had we had a lapse in our coverage. I was again told that they couldn't email me anything stating that, but I would just have to wait for the letter. 

This feels very suspicious on their part, and I am quite frustrated that at no point did I change insurance providers ; I maintained constant coverage ( above and beyond the minimum required ) ; and I have provided Roundpoint with that information multiple time in multiple different ways. 

All of the attached communications ( and these are the only 4 I still have ) were received after I had already uploaded proof of coverage two times through the XXXX website.
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX / XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2024-03-22
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. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2020-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2024-03-22
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. (MN)

To delete all highlighted accounts Under section 1681 section 602 rights to privacy As of XXXX Charge Off XXXX XXXX  XXXX XXXX Closed XX/XX/XXXX {$830.00} {$830.00} 2 Charge Off XXXX XXXX XXXX XXXX Closed XX/XX/XXXX {$820.00} {$820.00} 3 Late Payment OFFICE OF THE ATTY GEN XXXX Open XX/XX/XXXX {$4600.00} {$4600.00} 4 Late Payment OFFICE OF THE ATTY GEN XXXX Open XX/XX/XXXX {$4000.00} {$4000.00} 5 Charge Off XXXX XXXX Closed XX/XX/XXXX {$2000.00} {$2000.00} 6 Late Payment XXXX XXXX XXXXXXXX XXXX Open XX/XX/XXXX {$0.00} {$0.00} 7 Charge Off XXXX XXXX XXXX XXXX 1 Closed XX/XX/XXXX {$14000.00} Account Type Name Number Status Date Opened Balance Past Due 1 Charge Off XXXX XXXX Closed XX/XX/XXXX {$2000.00} {$2000.00} 2 Charge Off XXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX {$14000.00} {$14000.00} XXXX XXXX XXXX XXXX Closed XX/XX/XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX {$820.00} {$820.00} Collection/Chargeoff XXXX XXXXXXXX XXXX XX/XX/XXXX {$2000.00} {$2000.00} Collection/Chargeoff XXXX XXXX XXXXXXXX XXXX XXXX Closed XX/XX/XXXX {$14000.00} {$14000.00} Collection/Chargeoff Late Payments Account Name Number Status Date Opened Balance Past Due Payment Status OFFICE OF THE ATTY GEN XXXX Open XX/XX/XXXX {$4600.00} {$4600.00} Late 180 Days OFFICE OF THE ATTY GEN XXXX Open XX/XX/XXXX {$4000.00} {$4000.00} Late 180 Days XXXXXXXX XXXX XXXXXXXX XXXX Open XX/XX/XXXX {$0.00} {$0.00} From. All bureaus
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (MA)

I am writing to dispute the validity of the debt associated with the account referenced above. Pursuant to 15 USC 1692g ( a ) ( 2 ), I request that you provide me with the name of the creditor of this account. Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I request detailed information regarding the alleged debt, including the amount owed and how it was calculated. 

Account Details : High Balance : {$34000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Collection/Chargeoff I am also requesting validation of the amount of the alleged debt as per 15 USC 1692g ( a ) ( 1 ). Please provide a breakdown of how the amount was calculated, including any fees, interest, or charges applied. 

Furthermore, I request that all reporting agencies associated with this account provide verification of the debt. I understand my rights under the Fair Debt Collection Practices Act ( FDCPA ) and expect full compliance with the law. 

Please note that this is not a refusal to pay, but a request for verification under the FDCPA. Until this matter is resolved and the debt is verified, I request that all collection activities, including reporting to credit bureaus, be suspended. 

I appreciate your prompt attention to this matter and expect a response within 30 days as required by law. Failure to provide the requested information within this timeframe will result in further action to protect my rights under the FDCPA.
Consumer complaint received 2023-07-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX - XXXX XXXX Opened XXXX XXXX XXXX  Balance {$2300.00}.
Consumer complaint received 2023-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cooling & Winter LLC (GA)

got judgement from me by check garnishment from my job. thought it was paid in full. not heard from them in 9 months all of a sudden my bank account has been drained no contact from them in any way shape or form. now my bank account is frozen and i have no money to cover my bills and no warnings once so ever.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (PA)

XXXX XXXX  # XXXX Open date XXXX Experian-XXXX XXXXXXXX Date last payment XXXX Experian-XXXX XXXXXXXX XXXX 120 days late Experian- XX/XX/XXXX 150 days late XXXX XX/XX/XXXX 120 days late XXXX XXXX late Experian-XXXX  180 XXXX XXXX XXXX - ExperianXXXX XXXX XXXXXXXX OK XXXX XXXX Experian-XXXX XXXXXXXX OK XXXX Experian-XXXX XXXXXXXX OK Since XX/XX/XXXX to XX/XX/XXXX I have sent multiple letters. With no response back. 
Attempted to dispute online but was unable to upload any documents. 
Attempted to get thru on phone after being on hold for hours. 
As a XXXX work XXXX hour shifts throughout the pandemic XXXX XXXX XXXX then coming home to care for XXXX children. This has been emotional draining. 
These derogatory errors on my credit report are preventing me and my family from building our dream home.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (MD)

I called Truist customer service on XX/XX/XXXX because I noticed several fraudulent charges in my credit card account. The Truist representative that I spoke with told me that he was closing the credit card account and that Truist would be mailing out a new card that day. The representative also told me to cut up my credit card and throw it away. On Monday, XX/XX/XXXX, I called Truist customer support because I realized I never asked when my new card would be arriving and I had already shredded my old credit card as the previous representative had told me to do. The representative I spoke with on XX/XX/XXXX informed me that the card was being shipped express, via XXXX  and would arrive in XXXX days. When Friday, XX/XX/XXXX came around I called Truist again and the representative I spoke with that day told me that the new credit card had just been shipped out that day with express shipping, via XXXX  and would arrive in XXXX days. So by today, XX/XX/XXXX, I have truly run out of patience. I called Truist again, and the representative I spoke with today told me that the card was not shipped express via XXXX  ; it was shipped with regular ground shipping and would arrive XXXX days from when I initially called. I asked if the other XXXX representatives were both lying to me about the express shipping and this representative said yes, and that " they '' would be looking into it. I find it hard to believe that XXXX representatives lied to me. But I've now been without a credit card for over a week and have had to use my debit card for every purchase which I can not afford to do in today 's world.
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (MO)

I never receivd any communication that you were collecting a debt. Excessive interest is being charged. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, I request : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by the listed medical provider and XXXX XXXX XXXX 2 ) a copy of all actual bills sent from Medical provider to XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by the individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX XXXX XXXX medical provider, and ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney and sue you.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XX/XX/2022
Consumer complaint received 2023-06-09
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. (CA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-09
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 discovered that some of the information was erroneous. The Experian credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
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: EQUIFAX, INC. (FL)

I submitted a complaint with you guys and Equifax states they will respond within 90 days which is not complying with their investigation policy with time frame. They have done this for the 3rd time. They do not complete the disputes I have requested to investigate the wrong incorrect information they are reporting without verifying, I will now file lawsuits. How can they tell you guys 90 days when their website state 30 days. I sent certified mail XX/XX/2023. Its passed 30 days. They are committing a crime at this point.