davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC (FL)

In XXXX, my husband and I endured financial hardship after he endured XXXX for 8 months. 
I applied for a harship and was approved, I was constantly assured that this would include XXXX  payment. 
The documents were sent for signature and it clearly included XXXX payment. They were signed and returned showing this was a forbearance. 
They then went in and placed a 30 day late on the XXXX payment which is totally incorrect. They have done nothing but give me the run around for a week trying to resolve it. During which time other creditors have lowered my credit limits which is affecting my score even more. Every time I call it is someone different with their own interpretation of the situation.A forbearance agreement claims to show no negative or derogatory information during the period of time.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (VA)

so I received on my credit report from LVNV funding LLC a report stating that I owe XXXX XXXXXXXX on an account that was never mine. I do have a XXXX XXXXXXXX account and like I stated to them meaning LVNV that theres no way that I can have 2 XXXX XXXX account and they didnt wan na hear it. Ive been to court for it. I met with one of their attorneys and they still told me that I had to speak with them. Ive tried to speak with them. Theyre not listening. They just saying its my debt and its not I have had an issue with some identity theft and I explain to them that I reported it on my credit to all three credit bureaus and they still have not removed it. I do have a XXXX XXXX account that is in good standing and I know because Ive asked would they allow me to have two accounts if one is not good and they told me no so something is different in their information they got that first XXXX XXXX account that definitely does not match up to me. I would like this to be removed off of my credit. Thank you in a decease and desist letter go out to them. They have tried to garnish my wages and just causing problems on something that I know for a fact I did not open I did open my other XXXX  XXXX account that again is in good standing.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (MO)

Credit Collection Services are reporting illegally on my XXXX credit report this company is clearly in violation of my consumer rights Act 15 usc 1692gThis company has not given any validation that this is even my account therefore these actions may constitute fraud under both federal and state laws.please help! Original creditor XXXX insurance alleged owe amount {$610.00}
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NJ)

Unfortunately, I've had to request a return XXXX  for my deposit from alpheaon ( XX/XX/23 ) and ( XX/XX/23 ), but I've yet to receive it, they failed to advocate for me and stated that I have to pay the balance with them because the issue is with the provider and not alphaeon. I made the request for refund many months before the " planned '' XXXX date ( XX/XX/23 ), but the provider seems to refuse to refund the deposit for a treatment I never received. I filed a dispute with the credit card company, but it yielded few results because the provider stated that the deposit is " non-refundable '' which I never agreed to this policy. During the virtual meeting, the XXXX  was very pushy about scheduling a XXXX  date and placing a deposit, the visit was conducted via XXXX, and he never mentioned that the deposit was non-refundable. I've attempted to contact the provider through text, but he hasn't been cooperative. I never signed any agreement accepting that the deposit I made will be non-refundable. I'm urging for things be resolved professionally and quickly, Additionally, his {$4500.00} charge for a video XXXX call regarding his opinion on procedures he believes I should have for my face is truly disheartening and should not cost {$4500.00}. It's a difficult situation to be in, and I've sought out various authorities to try to rectify it and gain help on fighting a physician with more money and power than me. 

The XXXX XXXX name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX NY XXXX website : XXXX please be careful when researching thank you
Consumer complaint received 2023-09-21
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. (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. 


has violated my rights. Or a 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 2023-12-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Carvana Group, LLC (CA)

Improper or illegal advertisement of downpayments and installments, Lack of full disclosure, and no equal consideration of contract I had to pay a {$1000.00} downpayment when purchasing from this company which is not a customary sum for a down payment for this company which is a requirement according to the following U.S. code : 15 U.S. Code 1662 ( 2 ) - Advertising of downpayments and installments Stating No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 

Carvana/XXXX put up nothing of value on their end so they had nothing to lose ( no equal consideration and lack of full discolsure ) I have reached out to XXXX via mail requesting a full accounting of my loan accounts but was denied and threatened. The following code shows the loan application that is tendered is equal to the amount of Federal Reserve note that the application is applying for. 
12 U.S Code 412 Application for notes : collateral required The second sentence of this code states : Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IN)

Im working on getting my husbands estate closed and he had an account with Coinbase. I contacted them originally along with my lawyer and neither one of us received any response. They offer on their website to be able to recover deceased family accounts, but there was never any response. I did it several times. There is a significant amount of money in his account and it would be very helpful if I could get it back to pay his debts. Any help or guidance would be greatly appreciated!
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (VA)

On XX/XX/2023, I mailed CKS Prime Investments a certified letter ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), which they received on XX/XX/2023. Despite sending a certified letter, they have not responded or provided the requested validation. 

On XX/XX/2023, I mailed them another certified letter ( USPS Tracking number : XXXX ) ; which they also received on XX/XX/2023 asking for the immediate closure of the disputed collection account and the cessation of its reporting to the credit bureaus within 15 days since they failed to address it within the first 30 days.. They proceeded to update the account with the credit reporting agencies YET they still did not acknowledge my letter sent to them.
Consumer complaint received 2024-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. 
XXXX XXXX I want to emphasize that these late payments were not due to negligence but rather a temporary challenge that I have since overcome. I kindly request your assistance in removing the late payment entries from my credit report. I believe that this adjustment would more accurately reflect my creditworthiness and commitment to meeting my financial obligations. 
I appreciate your consideration of my request. If needed, I am willing to provide any supporting documentation to validate the circumstances that led to the late payments. 
I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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 XXXX 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 2024-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (TX)

There is a check deposited to my account and posted on XX/XX/2023. It is not authorized by me ( since my account got compromised during that time period ). Also, the " pay to the order of '' is not even to me. However, it got posted on my account. 

I have contacted Chase about this issue. Chase reversed this transaction on XX/XX/XXXX. However, Chase reversed this transaction again On XX/XX/XXXX. 

I have contacted Chase on XX/XX/XXXX about this issue and its claim department created a claim for my about this double reverse transaction. However, this claim has been denied. 

I have been dealed with Chase for a month about this issue. It seems none of the time it works. Now my account is showing negative balance and makes me worry about it.
Consumer complaint received 2024-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I made a loan modification last year. I finally got caught up on everything now they have raised it over {$800.00} a XXXX. They said this was because of XXXX. Also, a small increase an insurance and taxes. Also, several payments are missing and they cant tell me where they are.
Consumer complaint received 2024-01-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Flexible Finance, Inc. (NH)

This company, " getflex.com, '' falsely advertises that the use of their product to pay rent would " improve your credit score '' by reporting ontime rent payements to credit bereaus, they did this in order to gain my business when I would not have used them otherwise. This blantent and gross misconduct is fraud, and I expect to be reimubursed the fess charged by these scumbags. I also hope the FTC shuts down this garbage permanently.
Consumer complaint received 2023-06-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage servicer is Mr. Cooper ( Nationstar ). 
the servicer failed to pay home insurance on time from the escrow account. 
the home insurance expired on XX/XX/2023. I called on XX/XX/XXXX to the servicer to confirm that the home insurance was indeed not paid on time and already lapsed. 
the renewing insurance amount is {$960.00}. 

I then contacted my insurance company ( XXXX XXXX ) to paid it out of my pocket in order to renew the insurance while my servicer attempt to figure out the disbursement of payment. 

couple of days later ( today, XX/XX/XXXX ) I checked the escrow account and noticed that two ( 2 ) payment of {$960.00} was made to XXXX XXXX. I called my servicer again to confirm that indeed the double payment was made. at this time the extra payment can not be cancelled but according to the servicer I will receive refund from insurance company and then have to deposit {$960.00} back into escrow account.
Consumer complaint received 2023-09-21
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo (GA)

It has come to my attention that KOVO INC. is reporting my transactions with its company to the consumer report. KOVO INC. has reported a transaction on an account on XXXX  between the consumer XXXX XXXX and KOVO INC. and according to the FCRA XXXX XXXX XXXX A ( XXXX ) ( a ) ( XXXX ) except as provided in paragraph 3 the term consumer report does not include reports containing information solely as to transaction history between XXXX XXXX and KOVO INC. is excluded from the consumer report. Delete this transaction history from the consumer report. 

Also It is illegal to report transaction history or late payments under 15 USC 1666.
Consumer complaint received 2024-01-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (GA)

Subject : Urgent Request for Revocation of Security Interest Dear J P Morgan, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency regarding the security interest associated with my property. The company has recently repossessed my property. I have already revoked my security interest before the repossession took place. J P Morgan has not cooperated in revoking the security interest promptly. 

In light of this, I kindly request a thorough review of my account and the associated security interest. It is imperative that we address any discrepancies or concerns to prevent the unfortunate circumstance of repossession. 

Should this matter not be resolved satisfactorily, I want to make you aware that I am prepared to escalate the situation further. I am prepared to request a XXXX XXXX audit over my account to ensure transparency and clarity in the handling of this issue. 

I believe in an amicable resolution and trust that we can find a solution that benefits both parties. Your prompt attention to this matter is greatly appreciated. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reportina agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the Following dates ( XX/XX/year> ) ( XX/XX/year> ) ( XX/XX/year> ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2018-12-20
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: EQUIFAX, INC. (CA)

I am writing to Correct inaccurate reporting on my Credit report. I am trying to get my life together and start a new career the beginning of the year so please help me out by deleting the inaccuracies. This is hindering me from Employment as well as other options. Thank you Here is the account that is inaccurate and need to be deleted from my report Immediately. 

XXXX XXXX Account # : XXXX Past Due : XXXX Shows XXXX XXXX Shows XXXX Equifax Shows XXXX. ( There should be no past due on a collection ) Date of last Active : XXXX Shows XX/XX/XXXX XXXX   shows XX/XX/XXXX Equifax Shows XX/XX/XXXX. 
Delete immediately for Inaccuracies.
Consumer complaint received 2018-12-20
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. (CA)

I am writing to Correct inaccurate reporting on my Credit report. I am trying to get my life together and start a new career the beginning of the year so please help me out by deleting the inaccuracies. This is hindering me from Employment as well as other options. Thank you Here is the account that is inaccurate and need to be deleted from my report Immediately. 

XXXX XXXX Account # : XXXX Past Due : TransUnion Shows XXXX XXXX Shows XXXX XXXX   Shows XXXX. ( There should be no past due on a collection ) Date of last Active : TransUnion Shows XX/XX/XXXXXXXX XXXX shows XX/XX/XXXX XXXX Shows XX/XX/XXXX. 
Delete immediately for Inaccuracies.
Consumer complaint received 2023-09-21
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. (GA)

I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc. I argued that you need proof that someone owes a debt before you ruin their credit and their life by placing fraudulent debts/ accounts on their credit report. Their verification per them was name address, dob and statement showing charges. This is not proof of a debt owed the company said that they verified my name and address etc, so its considered valid. They explained that I could not dispute again with in two years unless I could provide some sort of additional information than what I already provided. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency to report this as valid debt.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Viva Finance Inc. (GA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.