davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Adjustment Service, Inc. (FL)

It was a loan that was apparently taken out in XXXX XXXX XXXX. In the amount of XXXX. I have called the company who says they dont have access to the account so they gave me another number. I called that number and there was no option to speak to an agent. It just sent me to a voicemail service and no one has ever gotten back to me.
Consumer complaint received 2023-11-17
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$190.00} ; XXXX  XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.
Consumer complaint received 2017-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NJ)

On XXXX of XXXX XXXX XXXX transferred servicing of my mortgage loan to Statebridge Company. This is modification loan and it has been issued by XXXX on XXXX of XXXX XXXX. 
On XXXX of XXXX XXXX Statebridge Company prepared Annual Escrow Account Disclosure Statement with an escrow monthly payment {$1500.00} effective XXXX XXXX, XXXX. After my complaint with CFPB the company lower it on XXXX XXXX, XXXX to {$1300.00}, which payment was still too high, because I sent to Statebridge documents, that my property tax for XXXX will be much lower. Statebridge set up a cushion and anticipated payments for my account. Even, when I paid a shortage of {$460.00}, the company did not lower my payment. 
Finally, on XXXX XXXX, XXXX, Statebridge lower escrow monthly payment to {$1200.00} but still maintaining a cushion of {$2100.00} and anticipated payments. My new hazard insurance will be only {$84.00} higher then year ago but my new property tax will be {$420.00} lower then year ago. In XXXX I paid {$11000.00}. 
So my monthly escrow payment should be {$970.00}, {$240.00} less then I pay now. 
Furthermore Statebridge does not send me any information about incentive payments since this is a modification loan. 
For me and my husband this is big difference and we hope that Statebridge Company make appropriate corrections.
Consumer complaint received 2024-04-09
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. (NM)

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 2023-08-05
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. (OH)

I sent a second certified dispute to XXXX, XXXX, and TransUnion on XXXX/XXXX/203 regarding an unverified account on my credit report. XXXX XXXX XXXX is on my credit report the credit reporting agencies claimed was verified. I did a direct dispute with the creditor as advised by XXXX only for the mail to be returned. This also is a medical debt that is below {$500.00} and under the XXXX XXXX XXXX, it should not be reported.
Consumer complaint received 2024-04-09
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my acct. This acct is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My loan balances on my credit report fluctuate each month. One month they slightly increase by 20-30 $ then one month they will increase by THOUSANDS. Then the following month they will decrease by a few hundred. And then a few thousand. When I contact XXXX they can not explain why it does that. And say they will check into it. I have monitoring directly from ea h bureau and they notify me when changes occur. My score also goes down because of this.
Consumer complaint received 2018-05-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX DOB : XX/XX/XXXX. My Address is XXXX XXXX XXXX XXXX tx XXXX. I submitted letters to TransUnion XX/XX/XXXX about accounts that weren't mine. They have failed to provide physical proof that the accounts are mine. this has been over month roughly 120 days trying to sort this out.I 've sent 4 609 letters and they haven't deleted the accounts that i'm concerned about. Im beyond exhausted and have decided to file a formal complaint.
Consumer complaint received 2024-02-03
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MIDFIRST BANK (GA)

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 ( 2 ) states I have the right to privacy ( 15 usc 1681 section 604 a section 2 ) also states that a consumer reporting agency can not furnish an account without my written instructions and 15 usc 1666 ( b ) a Creditor can not treat a payment as late for any purpose.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

According to XXXX, the company LexisNexis has validated inaccurate information on my credit file even after sending me documents stating the opposite. Either XXXX is reporting inaccurate information on my credit file knowingly and misrepresenting LexisNexis as the source of information/verification or LexisNexis has misled me. I have contacted both of these companies and tried to resolve this matter. LexisNexis has been very cooperative and responsive to me but the other not so much.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

The company is Paypal. On XX/XX/24 I received an email from Paypal that I had a new invoice. I have not used PP in a long time. I went online and there was an invoice requesting {$590.00} to be paid to some guy. In the invoice was a statement that if I did not make this transaction to contact the fraud line and a number was given. So, I called it. It turned out to be the scammers who got into my computer. I was able to shred their XXXX and I deleted my bank card from the PP site. Then, 150 invoices showed up and my card was back. I deleted it again and I got a number to PP fraud, the real number and I sent messages on PP account. They first wanted me to send the invoice to resolution to dispute it. 150 of them! NO. Then they opened a case, XXXX XXXX They froze my account and said they would be working on it. I told them I wanted my account closed, period. NO. Then, a XXXX account showed up on PP and I deleted that. I go in all the time to make sure things are not there. I have changed my password numerous times and I set up two step verifiations. As of today, XX/XX/24, they have not removed ANY of the fake invoices on my account. They have a lengthy message chain going back and forth with me that I can not seem to find on PP now. I got a message that my account had been restored. However, they wanted me to upload a photo of myself for security purposes. Really? Like I would even trust any message on PP. I said NO, close my account. They have not. Today, I got an email from them with this message # XXXX saying they needed info from me as they noticed suspicious activity on my account. Really? I went into the account and they again want a photo of me AND they want me to update my security info which includes my current password, new passwords and new security questions and answers. I will NOT provide any info on a corrupted company site like PP. They have not removed the fraudulent invoices. They said I could not close my account as there was a {$2.00} credit on there. I do not know where that came from. I said I am not giving them an account to credit that to, that they could keep it and CLOSE MY ACCOUNT. They said I could give it to charity. Okay. I tried to do that, but you can't donate that money to charity without adding a bank card or account. Nice try. If a company can allow scammers to just do what they want on your personal account, they can not be trusted with any information and I have no reason to believe that PP itself is not part of this. The scam number for fraud listed on each invoice is XXXX. The man identified himself as XXXX XXXX. Fake. The supervisor was XXXX and he gave a call back number of XXXX. I was shredding their bot while I got this info. It is all probably changed by now. I have literally spent hours and hours with banks, online and on the phone and in person, changed oodles of passwords, set up all kinds of new security and yet the company that let all of this into my life DOES NOTHING, but make things more difficult for me.
Consumer complaint received 2024-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC (PA)

Dear Rocket Customer Service : This letter serves as an official notice of my intent to file a complaint with the Federal Trade Commission and XXXX if the matter at hand is not promptly resolved. I reached out to your organization earlier today in relation to procuring a copy of my Tax information pertaining to the property located at XXXX and Account # XXXX for which I am currently paying a mortgage through with Rocket Mortgage. Unfortunately, I encountered an unprofessional behavior from XXXX, a customer service representative from Rocket Mortgage, who abruptly terminated our conversation. Subsequently, I made a follow-up call and engaged in dialogue with a representative named XXXX. During our conversation, XXXX disclosed that my account has been subject to a security hold, leading to its current locked state for security purposes. 

According to legal requirements, I should have already received my Tax Information via mail. Should I not receive a timely response within 24 hours concerning this matter, I hereby declare my intention to involve my legal counsel and initiate civil proceedings. 

Sincerely, XXXX XXXX XXXX. Federal Trade Commission XXXX XXXX XXXX  Attorney Class Action Attorneys
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Discrepancies in Reporting of Charged-Off Account on Credit Report RE : XXXX XXXX  XXXX Dear Synchrony Financial Bank, I hope this letter finds you well. I am writing to address certain discrepancies I've observed in the reporting of a charged-off account referenced above on my credit report. After reviewing the information outlined in the " Synchrony Credit Card Master Note Trust prospectus, '' specifically regarding the charging-off and subsequent sale of receivables, it appears there may be inaccuracies in the reporting for my specific account. 

As per the prospectus, accounts are charged off as aged credit losses after 180 days of being past due, and these charge-offs are executed on various cycle dates during each Monthly Period. The receivables are then sold, and the purchase price is determined based on the recoveries from previously charged-off accounts for the same Monthly Period. Subsequently, on the last day of the Monthly Period in which a receivable is charged off, it should no longer be shown as an amount payable on the trust 's records. 

However, my credit report continues to reflect a balance on the charged-off account, which appears inconsistent with the procedures outlined in the prospectus. I kindly request your assistance in investigating this matter and correcting any inaccuracies in the reporting of my charged-off account to align with the procedures detailed in the " Synchrony Credit Card Master Note Trust prospectus. '' This act is shameful it has caused severe hardship to my reputation, my character, my mode of living and to my family! So it is crucial to ensure that my credit report accurately reflects the status of this charged-off account based on the prospectus guidelines. Please provide a detailed response within the next 30 days, explaining any actions taken to rectify the reporting discrepancies. 

Please be advised that a failure to resolve this matter promptly will be considered a breach of your 424B5 prospectus filing with the U.S. Securities and Exchange Commission ( SEC ) and a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 and it will be reported. 

I expect a detailed response within the next 30 days, explaining any actions taken to rectify the reporting discrepancies. If additional information or documentation is required from my end, please let me know promptly. 

I appreciate your immediate attention to this matter and your commitment to ensuring the accuracy of credit reporting information. Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-03
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: LEXISNEXIS (TX)

XXXX and LexisNexis continue to report inquiries that I do not recognize and did not authorize. 

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 2022-02-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (VA)

I have purchased a used vehicle from a car lot that I shortly ( the next day ) experience a dishonest practice that left us out of pocket for {$500.00} in a car repair shop, lie about the car ever been reported to be in an accident, and the list goes on from there. 

Never the less, my issue today stems from the bank ( XXXX XXXX ) the dealer used to approved me at a time when I had XXXX credit. 
While I welcome the bank approval to purchased my vehicle, XXXX years into making payments on time ( $ XXXX monthly, on a {$18000.00} loan ), the loan in my opinion, is moving at a XXXX XXXX XXXX, currently owning just over XXXX XXXXXXXX. 

While I get that since back when I apply for the loan, I had not credit and the interest on the loan was extremely high, I have call and ask multiple times to understand why in the last XXXX years, the monthly principal has not moved from XXXX XXXXXXXX. I have also call to ask for refinance now that my credit score shows a high increase, but no refinance is offer. I have call and asked advised on how to make progress on lowering this amount, but the explanations are vague and do not provide any meaningful results. 

In short, based on my experience with the dealer who sold us the vehicle, I just cant help to feel distrustfull with the whole experience and I'm sorry to say this. 

I need a third party to oversee this loan and a senior advisor from the bank to offer better clarification as to to we can mediate this situation as I can not continue to pay XXXX XXXX monthly without seeing any result for a vehicle that every other month has mechanical issue stemming from the dealer cover up of used ( claim the vehicle was used by a private owner, when in fact, we found out, it was commercially leased by a delivery company ).
Consumer complaint received 2018-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (VA)

I terminated my Cable Service with XXXX XXXX in XX/XX/XXXX XXXX later contacted me to say that equipment related to the Cable service had not been returned. I provided the receipts for the returned equipment and heard nothing further from XXXX. This was documented by XXXX in XXXX  Case Number XXXX  and XXXX  Case Number XXXX.

On XX/XX/XXXX I was contacted by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX Reference Number : XXXX requesting payment of {$340.00} for XXXX Equipment. They provided no back-up for the requested payment. I provided the XXXX  return receipts by US Postal Certified Return Receipt email on XX/XX/XXXX, within the required 30 day dispute period. I have the signed US Postal Receipt for delivery. I have heard nothing else from XXXX XXXX.

On XX/XX/XXXXI was contacted by AFNI 1XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AFNI Reference Number : XXXX requesting payment of {$340.00} for XXXX  Equipment. They provided no back-up for the requested payment. I provided the XXXX  return receipts by US Postal Certified Return Receipt email on XX/XX/XXXX, within the required 30 day dispute period. I have the signed US Postal Receipt for delivery. I received another letter from AFNI on XX/XX/XXXX continuing to demand payment of {$340.00} It appears that XXXX  has sold this claim to debt collectors who seems to now be selling it to each other.

What steps do I need to take to end this harrasment?

I have all of the letter communication materials described above.
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AL)

On XX/XX/2021 I received a call from a person ( family member ) I know telling me to call MCM Midland Credit Management. credit and she stated that I owe them {$890.00} on an XXXX credit card. she left 2 telephone number to call back. I contacted Midland a man answer and told me that he didn't call but the lady was not available/ her line was busy. She called back I told her she violated Federal laws, by calling a family memeber and dicussing possible information pertaining to me. She got angry and loud with me.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

I made a payment in full to this company, and each time I do, they delay my credit for XXXX weeks after an ACH withdrawal. They have my money but I can not use my card for XXXX weeks, and they give no reason for it. This has happened several times. Here is their response. 

" I reviewed your account, but unfortunately, we are not able to expedite releasing your available credit at this time. You can plan on it being available on XX/XX/2023. ''
Consumer complaint received 2024-04-09
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. (NY)

First i want to thank you for taking this time to read my email.I am having a problem with XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX My bill XX/XX/2022 did not go trough when it was on auto bill. I reached out the company and they said that the payment try to come out of the bank but it was rejected.They never notified me of the rejection and gave me this late payment.Now i can not get mortgage or loan because of this mark on my credit.The company will not help me with this unfair situation.My lease about to end at me rental house.I am looking to purchase a home for me and my kids.You are my only hope please help me out. 
Thank you so much