davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and XXXX notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change XXXX have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX XXXX supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXXXXXX XXXX XXXX have requested returns ). This happened on XXXX XXXX, and payments were sent within XXXX hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX glitch that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account may have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 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 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have attempted to rectify this issue directly with the agency and this is my second attempt with the CFPB. The initial complaint took longer than 30 days and did not fix the error with TRANSUNION, nor has proof of written consent been provided following the investigation. 

In accordance with the Fair Credit Reporting act. The listed of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX SYS : # XXXX violated my rights. 

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 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

XXXX XXXX, 2024 at XXXX AM - XXXX $ is sent from my boss XXXX but I am not able to cash out the amount to the bank to cover overdraft fees. This leads me to incur XXXX $ in overdraft fees that week due to a disruption in my cashflows for the week or XXXX weeks. 

I uploaded my XXXX passport multiple times at the beginning and present date of using cashapp. I either get a no response, XXXX or deflection from XXXX issue onto a non-existing issue.

XXXX XXXX, 2024 - I called cashapp customer support ( can't communicate through app because phone not working ). I was misled for XXXX and told I can not record calls or they automatically hangout. I record call and do not tell them I am recording. I either get a no response, XXXX or deflection from XXXX issue onto a non-existing issue. 

I also suspect my data from pictures is being used against my consent to build a profile and there are agents purposefully acting against me as this is not a first time encounter across different money XXXX XXXX Providers I currently have no money available to me except the XXXX $ locked up in my cashapp account. I can not cashout to my bank because it has a debt of XXXX $ due to a snowball effect of reasons that originate from the XX/XX/XXXX incident and loss of face with my boss a couple of times, leading them to lay me off.
Consumer complaint received 2024-04-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (TX)

XXXX XXXX  ( XXXX ) XXXX Her name is XXXX and she called offering student loan forgiveness very instant on charging your credit card XXXX dollars for XXXX months then XXXX dollars a month for XXXX years. this is located on the internet in multible places as a scam .... 

you really should shut this place down
Consumer complaint received 2023-06-29
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NY)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX. XXXX- have ignored my request to provide me with validation that this debt was assigned or sold to a collector. I have call several times and was told because they no longer have the account, I have to speak to the collector but XXXX is the one that is reporting the inaccurate information on my credit report each month since XXXX. The collection agency is not reporting anything to the credit bureau. 

2. XXXX XXXX XXXX - XXXX year XXXX, XXXX loan agree to take a smaller payment amount because I no longer had an income due to not working until I retired in XX/XX/XXXX. XXXX have inaccurate reported me delinquent for 276 days pass due. I received a phone call on XX/XX/XXXX from XXXX offering me a settlement of {$2900.00} but constantly reported to the credit bureau inaccurate information and remains charging me XXXX percentage interest. 

3. Navy Credit Union - have reported inaccurate delinquent payments transfer from XXXX XXXX XXXX XXXX during the bank merger between the two banks. This account was transferred from XXXX XXXX XXXX XXXX. 

4. XXXX XXXX XXXX XXXX XXXX XXXX )- This account has been paid in full for XXXX XXXX XXXX. I was told by XXXX XXXX XXXX this account can be deleted but has to be done by the collection agency because the account was placed with them for collecting but they refuse to delete from my credit report.
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WA)

I am registering a complaint against Specialized Loan Servicing ( XXXX ) who processes my home mortgage payment. I have had difficulty with XXXX since they took over my loan payments after the Department of Justice settlement following the housing crash in XXXX. That can be discussed at a later date, I am discussing my current dispute. 
Approximately 8 years ago XXXX started collecting less in escrow that they paid out. Approximately XXXX years ago XXXX exhausted their exceptionally high escrow reserves. Three years ago, XXXX finally discovered their error. Demands for over {$8000.00} ensued. I reached an agreement with SLS to raise my payment by almost XXXX XXXX  XXXX  foXXXX three  years to payback their mismanaged shortfall. 
In XXXX of this year I have paid back the deficit and when my payment is reduced {$200.00}, XXXX will collect as much as they pay out. 
This is where the dispute arises. XXXX manipulated the payback schedule to reach zero deficit and equilibrium on XX/XX/XXXX, knowing that in XXXX my annual homeowners insurance is paid and in XXXX half my property tax is paid. At the end of XXXX XXXX will have a {$4300.00} deficit and they want that amount in reserves for the life of my loan. That is triple the amount allowed by law. ( {$1400.00} ) I begrudgingly accepted the {$4300.00} amount and proposed a four-year repayment schedule. XXXX denied my request, essentially saying they waited long enough for their money. 
Is there anything you can do for me? Money is tight right now and I planned on my monthly house payment dropping {$200.00} sometime this fall.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CT)

I am writing to address the recent revelation regarding a debt that I was previously unaware of. Until very recently, I had no knowledge of any outstanding debt associated with my name. It was only upon speaking with a mortgage advisor that I became aware of negative entries on my credit report. 

I want to emphasize that I have never received any communication or correspondence regarding this debt. As a responsible individual, I would expect to be notified if there were any outstanding financial obligations or issues concerning my credit history. However, I can confirm that I did not receive any such communication prior to being informed by the mortgage advisor. 

In response to this situation, I have taken immediate action by filing a police report with the XXXX XXXX. This was done in an effort to address the matter seriously and to seek assistance in understanding the origins and legitimacy of the debt in question. 

I want to make it explicitly clear that I am not aware of this debt and have no knowledge of its origins. I am disputing its existence based on my lack of awareness and the absence of any prior communication regarding it.
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (SC)

In my last dispute I was told that the alleged debt was verified..So I am requesting a detailed process of the reinvestigation to confirm the alleged debt..I am also requesting a summary of my rights, my full file, along with sources and report recipient 's...
Consumer complaint received 2023-08-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (DE)

Experian, XXXX, & XXXX are reporting a bankruptcy on my credit report and they did not obtain the information from the XXXX XXXX XXXX XXXX per the letter attached from the Bankruptcy Dept. Per Fair Credit Reporting Act, Section 609 they have violated my rights by providing false information obtained illegally. Im requesting the credit bureaus remove from the bankruptcy from my credit reports.
Consumer complaint received 2019-12-19
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: CREDIT ACCEPTANCE CORPORATION (MO)

Yesterday XX/XX/19 ..I discovered that their was a new debt collection on my credit it said that it opened XX/XX/2019 & it went to collection XX/XX/2019..so I contacted this creditor & after being transferred to multiple departments & giving different numbers to call, no one could find any information that I owed anything! Because I do not ..this is fraudulent & I want it removed immediately! They could not give me any information, they said they didn't have any to give so I asked why is this showing as a collection XX/XX/19? So they directed me to their fraud department. I want to get to the bottom of this & resolve!
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
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. (DE)

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 following : XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX Balance {$46000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Compass Recovery Group, LLC (MD)

I received a phone call yesterday XXXX from CRG representative who stated the she was calling let me know that I was being sued and that she had information regarding the current lawsuit with XXXX county court of collections or something of that nature. I asked who was calling and she we are with court regarding a lawsuit filed against by credit one. She asked me if I knew about the lawsuit I said no. She then told me about my history with card, I then said to her just to let you know this call is being recorded. She then hurried up and said, that this was an attempt to collect a debt. When I told her she violated my rights by threatening, and abusive behavior she lied and said she never said anything about an active lawsuit. I then told her that was against the law and I would file suit, she would take me off of the list. I then asked for the companies name, and address and she refused to give it to me. I then repeatedly asked for a supervisor and she gave me the information but I'm not sure if the information she gave was correct.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-08-11
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. (MO)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2023-08-11
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. (PA)

In accordance with the Fair Credit Reporting Act the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 states : I have right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. XXXX XXXX account # XXXX 15 USC 1681b paragraph ( c ) states : the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. please view attachment. The attachment i have uploaded is a print out of my XXXX XXXX  account and i have circled the information that is clearly unauthorized and inaccurate. i did not received a loan from this agency. Also under 15 USC 1681b where it states : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with
Consumer complaint received 2020-08-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Dovenmule Mortgage agreed to work with me because I was struggling to make Payments at the end of last year. Consequently, I made payment arrangements and entered into a forbearance period. However, I was told that the payment amount was due in full at the end of the three month period. Nobody could honor the loan in this situation moving forward after what was considered favor. The forbearance was in a fact a death sentence to me owing the property. It was ominous! I panicked and sold the home on XXXX XXXX  XXXX. After, they post a late payment to my account. When the escrow to sell was closing, I was told at least five times that the derogatory information would be removed and that I just had to wait and be patient. Months later, they have not removed the late mark that is harming me during this pandemic. I need to buy another house to live in ASAP.