davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SUN WEST MORTGAGE COMPANY, INC. (FL)

XX/XX/XXXX Sunwest mortgage showing 30 days late Auto pay Account info Account name SUN WEST MORTGAGE CO INC Account number XXXX Account type FHA Mortgage Responsibility Individual Date opened XX/XX/XXXX Status Open. {$2.00}, XXXX past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$270000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$2800.00} Original balance {$240000.00} Highest balance - Terms 40 Years Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current / Terms met XXXX Past due XXXX  days ND No data for this period Payment history guide 30 days past due as of XXXX XXXX By XX/XX/XXXX, this account is scheduled to go to a positive status. 

Balance history XX/XX/XXXX {$270000.00} Balance {$2800.00} Schedule payment {$2800.00} Paid on XX/XX/XXXX
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

They are taking too long to record payments. Currently I sent a payment on XX/XX/17 to pay off the balance and its now XXXX and they have not recorded payment. Its making me late and incurring fees. It was late yesterday so you can see I paid it two weeks early to avoid problems. I am not giving them my bank information to pay thru them. Paying from my bank allows me to keep records in one place.

This should not be happening. Its too easy to deposit checks.

Photo 1 shows last check daye XX/XX/17. Photo 2 shows check still outstanding. Not cashed.
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (MN)

I received an e-mail ON XX/XX/2024 AT XXXX XXXX FROM my XXXX XXXX XXXX XXXX  of which i have a XXXX dollar limit. In the email it says that if I do not use my credit card with them in the next 60 days it could " impact my credit '' I'm taking this as a thinly veiled threat that unless I use this card, than I will have my XXXX XXXX effected.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (KY)

XX/XX/2021- {$50.00} I opened a dispute case and PayPal wasnt or couldnt help me supposedly. So they closed the case and said it was unauthorized so they couldnt do anything I just need my money back I got scammed and didnt or wasnt thinking at the time.
Consumer complaint received 2023-02-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-28
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. (MI)

THIS IS NOT A DUPLICATE COMPLAINT THIS IS FOR XXXX AND EXPERIAN THE OTHER IS FOR THE CREDITOR! 

In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request validation of the debt in question from Source XXXX XXXX, as well as accurate and complete information regarding its origin and validity. It is noted that despite my previous correspondence, XXXX XXXX XXXX failed to provide the requested validation or adhere to the requisite XXXX mailing requirements. 

Furthermore, XXXX XXXX XXXX 's failure to furnish accurate information regarding disputing procedures and the omission of requested information are clear violations of FCRA regulations. Moreover, their disregard for the timelines stipulated by law and fair credit reporting practices is unacceptable. 

Additionally, XXXX and Experian 's inclusion of the disputed item on my credit report without proper verification constitutes a breach of their obligations under the FCRA. This failure to adhere to established procedures is concerning, especially considering the significant impact on my creditworthiness. 

It is imperative that XXXX XXXX XXXX, XXXX, and Experian rectify these discrepancies promptly and take appropriate measures to ensure compliance with FCRA regulations. Failure to do so may necessitate further action, including the escalation of this matter to regulatory authorities or legal recourse to safeguard my rights as a consumer.
Consumer complaint received 2024-03-27
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. (NY)

XXXX child support is reporting on my credit report. Under the FDCPA and FCRA it is illegal for XXXX to act on behalf as a debt collector. My credit and my life have been harmed due to these false reporting. I will seek monetary damages against all involved.
Consumer complaint received 2024-04-28
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. (MI)

THIS IS NOT A DUPLICATE COMPLAINT THIS IS FOR TRANSUNION AND XXXX THE OTHER IS FOR THE CREDITOR! 

In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request validation of the debt in question from Source XXXX XXXX, as well as accurate and complete information regarding its origin and validity. It is noted that despite my previous correspondence, XXXX XXXX XXXX failed to provide the requested validation or adhere to the requisite XXXX mailing requirements. 

Furthermore, XXXX XXXX XXXX 's failure to furnish accurate information regarding disputing procedures and the omission of requested information are clear violations of FCRA regulations. Moreover, their disregard for the timelines stipulated by law and fair credit reporting practices is unacceptable. 

Additionally, TransUnion and XXXX 's inclusion of the disputed item on my credit report without proper verification constitutes a breach of their obligations under the FCRA. This failure to adhere to established procedures is concerning, especially considering the significant impact on my creditworthiness. 

It is imperative that XXXX XXXX XXXX, TransUnion, and XXXX rectify these discrepancies promptly and take appropriate measures to ensure compliance with FCRA regulations. Failure to do so may necessitate further action, including the escalation of this matter to regulatory authorities or legal recourse to safeguard my rights as a consumer.
Consumer complaint received 2023-08-14
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: World Acceptance Corporation (SC)

This account World finance Corporation is reporting to my credit report as Account charged off. {$580.00} written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a XXXX form so that i could file this ordinary income.They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.
Consumer complaint received 2022-04-28
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. (PA)

Experian will not remove accounts that are fraud also accounts that are report inaccurate and incomplete information.They will not remove inquirys that are also fraud related.They will not remove negative information from my report that not related to anything.They also play games with my fico score it's always XXXX point removed for negative information but only go up XXXX point for a new trade line.I can not get anyone on the phone because the XXXX is setup.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

XXXX XXXX, XXXX XXXX I asked XXXX and Equifax for proof of repossession of this auto loan. They have not provided that and it has been well over XXXX  days I sent in a dispute letter on XXXX XXXX they just verified it with no proof of repossession or proof of lien XXXX I sent another letter requesting this information on XXXX XXXX. They have not provided me with any documentation. 

Under the FCRA, if a consumer disputes the accuracy of any information on their credit report and the credit reporting agency ( CRA ) can not verify the accuracy of that information, the CRA must promptly delete that information from the consumer 's credit report.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (GA)

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX # # # # # # XXXX And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These XXXX collections are violations and must be removed.
Consumer complaint received 2017-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CO)

We paid our home loan off with NationStar mortgage XXXX which turned into XXXX XXXX Mortgage on XXXX XXXX. We paid off our home loan in XXXX XXXX and have yet to see a title or a statement that we are paid off. I FEAR XXXX XXXX XXXX IS TRYING TO STEAL SOMETHING FROM US OR THE XXXX XXXX COUNTRY COLORADO COURT HOUSE IS UP TO NO GOOD. 

XXXX XXXX XXXX XXXX XXXX XXXX Loan Number XXXX
Consumer complaint received 2024-04-28
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. (MI)

Subject : Formal Request for Debt Validation and Action Against Non-Compliance I am writing to formally address the ongoing issue regarding the debt validation process for the account listed under XXXX XXXX XXXX, as detailed in the attached correspondence. Despite numerous requests, the requested debt validation letter has not been provided by your organization. 

I have diligently followed the necessary protocol by sending certified mail to multiple addresses provided by your company, all of which have been received and acknowledged. However, the requested documentation has yet to be provided, contravening legal obligations. 

Furthermore, both XXXX and TransUnion have failed to address my disputes and have neglected to remove the disputed entry from my credit report pending validation. Despite my inquiries, they have been unable to provide evidence of validation by XXXX XXXX XXXX. 

As per the Fair Debt Collection Practices Act and relevant consumer protection statutes, I am entitled to a validation of debt, a bill, and an itemized statement. Until these documents are provided, it is imperative that the disputed entry be expunged from my credit report. 

Failure to comply with legal obligations will necessitate further action, including but not limited to pursuing legal recourse through the appropriate channels. I expect immediate attention to this matter and prompt resolution in accordance with the law. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-01-25
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. (FL)

This is my 3rd request. I don't understand how credit reporting agency can use stall tactics to hurt the consumer. / my credit is being ruined, im being denied and on the verge of homelessness
Consumer complaint received 2024-04-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (MI)

In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request validation of the debt in question from Source Receivables Management, as well as accurate and complete information regarding its origin and validity. It is noted that despite my previous correspondence, Source Receivables Management failed to provide the requested validation or adhere to the requisite XXXX mailing requirements. 

Furthermore, Source Receivables Management 's failure to furnish accurate information regarding disputing procedures and the omission of requested information are clear violations of FCRA regulations. Moreover, their disregard for the timelines stipulated by law and fair credit reporting practices is unacceptable. 

Additionally, XXXX and XXXX XXXX inclusion of the disputed item on my credit report without proper verification constitutes a breach of their obligations under the FCRA. This failure to adhere to established procedures is concerning, especially considering the significant impact on my creditworthiness. 

It is imperative that Source Receivables Management, XXXX, and XXXX rectify these discrepancies promptly and take appropriate measures to ensure compliance with FCRA regulations. Failure to do so may necessitate further action, including the escalation of this matter to regulatory authorities or legal recourse to safeguard my rights as a consumer.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX Nissan. On XX/XX/XXXX I received a letter saying that the contract was cancelled and I needed to return the vehicle and I would get my trade in car ( XXXX XXXX ) back. I went to the dealer on XX/XX/XXXX to return the XXXX XXXX, but the dealer refused to take it back and to give me my XXXX. I argued with them for hours but they refused to acknowledge the contract cancellation and said it was no longer cancelled, which they can not do. As per their contract, the XXXX should be mine still and it would be illegal for them to sell it. Because of this, they now sold an invalid contract to the bank that did the loan.
Consumer complaint received 2023-07-04
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)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-03
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. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 2022-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been having fraudelent activity on my bank checking account withdrawals I didn't do or authorize. They are all withdrawals from Bank of America atm. I discovered this started happening in XXXX at the end of XXXX. There are multiple claims I filed and was given temporary credit. The bank now says after researching that I am responsible and it will take back money that I was credited. I did not authorize any of these withdrawals and no one has access to my account. I received a new card from bank and it happened again ( withdrawal from my bank ). I also checked my credit report and there are multiple inquiries I didn't apply for. The first is XXXX XXXX XXXX inquiry date XX/XX/2021 and XXXX XXXX XXXX XXXX date XX/XX/2021.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — Store credit card
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 recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report from XXXX XXXX Dates XXXX of XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dated XXXX of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian is in clear violation of the law. Under 15 USC 1681B permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting angency may funish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 
I did not give Experian written instructions to furnish this on my report. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Execept as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as an transactions or experiences between the Consumer and the person Making the the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have inquiries I do not acknowledge, I have not authorize these companies to use my credit as follows : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (NH)

In a recent dispute claim # XXXX. Discover claims they sent a detailed letter with the terms of the payment plan. There is nothing within the attached letter saying my payment will be dropped from a payment plan and I need to call In to reinstate the plan. I have been on a payment plan for a year paying {$74.00} which is debited from my account to pay this dept. if I had known the payment plan had to be put into place each year I would of done so. You removing my payment from the plan defaulted and dropped my credit over XXXX points putting me below average to now be able to purchase a home. The entire purpose of a payment plan was to correct my credit. I am asking that you remove the mark on my credit for your error in making it clear to a customer that a payment plan must be reinstated each year documentation is attached. This account has been set up yet again on a payment plan.
Consumer complaint received 2022-04-28
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.