davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-05
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: Thaxton Investment Corporation (OK)

I'm in the process of purchasing a house so I had my credit report pulled on XX/XX/XXXX and there's an outstanding loan with Covington Credit dated on XX/XX/XXXX in the amount of {$690.00}. I submitted a dispute through XXXX ( application company used to check my credit report ) since this debt is past the XXXX XXXX XXXX XXXX XXXX XXXX to collect on a debt. I received a notice from XXXX on XX/XX/XXXX stating my dispute had been resolved and now it showed there was a XXXX balance for Covington. 

I received a statement from XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX stating they purchased the debt from Covington yet it now had a different account number along with the amount now being {$860.00}. I sent them a letter stating the debt they purchased was no longer allowed to be collected due to being past the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Never received a reply but as of XX/XX/XXXX they added it to my credit report which has caused my XXXX XXXX to drop by XXXX points along with it now looking like I have XXXX separate loans that are outstanding when it's the same loan. 

Covington Credit should never have sold this debt to XXXX XXXX XXXX XXXX XXXX since they had never contacted me plus it's now past the 5 year Oklahoma XXXX XXXX XXXX to attempt to collect a debt. Both companies are at fault but due to XXXX XXXX XXXX XXXX XXXX purchasing it, it's now up to them to correct it according to XXXX XXXX  along with the FDCPA - Oklahoma Debt Collection Law
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (WI)

The XXXX XXXX was paying for the XXXX  and they deleted the XXXX  before I could complete it. Now I am being charged for a course they no longer have. The pays for XXXX  % percent of my XXXX.
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

My taxes increased roughly {$1300.00}. I was not aware but I do not dispute the increase. The mortgage paid the taxes and increased the debt in my escrow. They increased my monthly payment from {$740.00} to {$1100.00}. Clearly a {$390.00} increase to my payment far exceeds the increase in my taxes so I eventually got a hold of a human at Lakeview Loan and she agreed and started a re-balance calculation process for my escrow and she committed to a response within a week. That all began on XX/XX/XXXX and still no resolution. Mean while my auto payment is still being made at {$740.00} and I have been assessed roughly {$100.00} in late fees. 

This is investment property and I plan to pay the escrow off and put excess in the account. This mortgage company has not responded and I remain in limbo with my only option to pay this ridiculously excessive monthly amount. I have never had such difficulty with any agency. I call them and wait for roughly 10 minutes just to leave my call back number to which they never make.
Consumer complaint received 2024-06-08
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: Happy Money, Inc. (CA)

Somebody took out a loan fraudulently in my name from company happy money and it was reported to my credit report Happy money reported loan was initiated in XX/XX/year> and the last payment was also in XX/XX/year> I called them and told them I never made a payment and they are providing a fake payment history to the credit report please see the attached payment history on credit report which clearly shows last payment XX/XX/year> but they have shown paid on time for 1 year fraudulently making up a payment history this account is not mine they never gave me any documentation to prove the validity of this loan should be removed
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

The company, Convergent Outsourcing , Inc., sent me a collection letter on a XXXX utility bill that was already paid in full to XXXX for {$160.00}. I called XXXX to verify and they stated that I have a XXXX balance and owe them no money. I also have payment from my accounts and on the XXXX   application which shows no money is owed. This company needs to check their records because they have false information, and no money is owed and I have no outstanding debt with XXXX and owe this debt collector no money. They do not have their records correct and through their letter, on the back, threatens to report this on my credit in 30 days. There is no debt owed, therefore they will be reporting a false debt on my credit.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid 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: Winklevoss Exchange LLC (NC)

On XX/XX/XXXX I purchased airline tickets for 4 passengers from a travel agency XXXX to travel from XXXX, XXXX to XXXX, NC using a credit card from Gemini.com. The charges appeared on my statement as following : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One ticket out four was never confirmed. I had to make alternative plans and purchase additional tickets. I disputed the above charges with Gemini because I didn't receive the goods/services I ordered. 

Gemini gave me a temporary credit on my XX/XX/XXXX statement. In XX/XX/XXXX Gemini responded, saying they reviewed the transaction and resolved in the merchant 's favor. The charges I disputed earlier appeared on my XX/XX/XXXX statement as follows : XXXX XX/XX/XXXX XX/XX/XXXX PRINCIPAL DEBIT ADJUSTMENT {$2900.00} XXXX XX/XX/XXXX XX/XX/XXXX PRINCIPAL DEBIT ADJUSTMENT {$580.00} I went ahead and paid these amounts but I also tried to appeal Gemini 's decision by providing additional evidence to support my claim against XXXX. 

XX/XX/XXXX I received several messages from Gemini stating the following : " XXXX XXXX, Your dispute case has been resolved in your favor and the temporary credit that was applied to your account has been made permanent. No further action is needed. 
Team Gemini '' At the same time, however, the following charge appeared on my XX/XX/XXXX statement : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} The same charge was applied to my account twice! 

I contacted Gemini multiple times and opened multiple support tickets. Each time I received the following response : " Hello XXXX, Thank you for reaching out to Gemini Credit Card Support. 

We finalized your request to reopen your claim on XXXX XXXX in favor of the merchant. We have submitted your appeal to the merchant however they rejected it. 

Upon review, the disputed transactions were added on your statement since for XXXX statement this was put on hold due to ongoing disputes you have submitted. 

If you have any further questions, please feel free to reply back. 

Onward and Upward, Gemini Credit Card Support Dispute Resolution '' It appears that Gemini doesn't seem to understand they are applying the same charge against my account twice, and I am not able to get through to them!
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (FL)

I made a purchase back in XXXX of 2022 with the agreement to make payments until I paid off the purchases thru affirm. When it came time for my first payment it was all in my husband 's info so I had no way to make the payments. I reached out to affirm and we together decided it must have been fraud. When I realized what was happening ( my old XXXX account that I was using was attached to my ex husband account, with only his phone number and his email ) I called them back and told them what had happened and paid my bill in full. They took my payment on the phone and said I was good to go and now fully paid up. That's why I don't understand why it is still saying in my credit file that I owe them XXXX I owe them nothing because I paid in full in XXXX of XXXX
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I continue to have problems with Experian and upon reaching out to Experian multiple times this week, I am not closer to any resolution and am now even further delayed as I can not even access my Experian account. I have tried through the website to obtain my username which they provide, input my password which states that no record is found under that username, tried to input my username to reset my password, at which point it states account does not exist. 

I have contacted Experians technical support team, inputted my social security number and have been transferred, hung up, and sent back to the Experian automated system countless times. I can not even access my Experian account to see if they made changes to the Experian errors on my credit file including credit score and late payment flag that is causing all of the problems to begin with. 

The other reporting agencies, XXXX and XXXX report excellent credit with scores in excess of 820, 100 % payment history for over 154 months and all open and closed accounts are accounted for. 

In Experians case, they report the same data with the exception that they have a Late Payment Flag under their Payment History that is Wrong! As both Experian and I have reviewed the Experian credit reports, there is not a single account that shows ever being delinquent, and yet this late payment flag is causing the scoring errors on Experian by over 100 FICO points. Additionally, this erroneous Payment history flag is causing Experian to list my payment history as Good Payment History when in reality it is Excellent Payment History. 

Experian refuses to acknowledge, resolve, and properly research the error. They should be penalized, fined, and censored for their lack of customer service, lack of professionalism by continually hanging up on customers, and lack of accountability for an ongoing problem that has not been resolved in a few years already. 

I would welcome the opportunity to work with the XXXX to get to the bottom of this as I know that Experians governance, policy & procedures, and processing controls are not in alignment and are causing irrefutable harm to consumers like me.
Consumer complaint received 2022-12-25
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. (VA)

In XX/XX/2022, I contacted XXXX/XXXX  credit card and requested to close my accounts, which were in great standing. I paid whatever balance was on the cards and had them closed. In XXXX, I received a negative alert via my Experian credit monitoring, letting me know I was 30 days past due on an account. When I looked at my credit report, the negative reporting with a past due balance was from XXXX. I immediately contacted XXXX and questioned the reporting. I was told that a charge was applied to my XXXX account AFTER the account was closed. I am confused as to why a charge was approved on a closed account. It would have been easier to deny the charge so that the merchant would contact me instead of approving a charge when the relationship between myself and XXXX no longer existed. I also did not have access even to pay the XXXX account. After speaking to the representative, I was told that the reporting would be removed. I was able to make the payment, and I thought all was well. A few weeks later, this again showed up on my credit report. 

This reporting has questioned my creditworthiness and is now creating issues with accounts I have had great relationships. I have been denied business credit and had credit limits decreased. It is now impacting my ability to sustain my way of life. The most upsetting part is that this was a closed account. There is no justification or rationale for why anything should have been approved.
Consumer complaint received 2023-06-07
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. (MS)

I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Consumer complaint received 2022-02-25
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: LEXISNEXIS (GA)

I mailed Lexis Nexis a second letter on XX/XX/2022 via certified letter from the US Postal Service. This was my second requesting asking for validation on an alleged bankruptcy they are reporting. The first time, inever recieved a response from Lexis Nexis, which is why I sent the second request certified mail. According the the US Postal Service, my request was receieved on XXXX XXXX, 2022. As it stands today, I still have not reeieved any updates, and it is pass the 30 days they have to complete an investigation, per the Fair Credit Reporting Act.
Consumer complaint received 2022-12-25
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. (GA)

XXXX XXXX XXXX Bank is reporting erroneous and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/2022 with XXXX and XXXX XXXX and has yet to respond. XXXX is reporting false and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/XXXX, with XXXX and XXXX XXXX and has yet to respond. In accordance with the Fair Credit Reporting Act, these companies are violating my rights : 15 USC 1681 602A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish account without written authorization
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. { Account XXXX XX/XX/XXXX }. The late payment is only showing on 2 CB reports which prompted me to investigate because I was never late. I wrote letters to the CC with no response. On XX/XX/XXXX I called and spoke with XXXX regarding the dispute who advised me although it was reported in error, he is unable to update the account as they only have the ability to make updates going one year back. 

This late payment has been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful noncompliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Consumer complaint received 2023-06-07
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. (TX)

The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, High balance is inaccurate, date reported is inaccurate, Last payment is inaccurate, and payment history is inaccurate. This is grounds for removal, they also violated my rights under 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. 

Here are my complaint id 's for previous complaints against the bureaus : XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

On XX/XX/XXXX we signed a listing agreement and third party authorization for SPS to speak to our agents. 
On XX/XX/XXXX the third party authorization was sent to SPS via fax and email SPS received and acknowledged this. 
On XX/XX/XXXX our agent spoke with them and sent over listing information and requested payoff and informed them we wanted to do a short sale On XX/XX/XXXX we were informed we were not eligible for a short sale or remodification- only full payoff On XX/XX/XXXX a full appeal package was sent to SPS and we asked for a review with their customer advocacy department. Our agent also requested a call from the loss mitigation person handling our loan, no call has been made to her in the past 48 hours per them saying they would. 
We asked for them to please stop the auction as we put in the request prior to the 37 days as they are saying there is not enough time. Our agent has been calling SPS daily and getting the run around. 
We also asked if they are denying us the ability to have a short sale on the property to allow a deed in lieu and they say we do not qualify for that either, only full payment of loan.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (WI)

I have a collection account listed on my credit report by collection company XXXX XXXX XXXX XXXX for original creditor XXXX XXXX. This should be listed on my credit report as my XXXX XXXX account was resolved directly with XXXX and I've never made contact with XXXX XXXX XXXX. My account with XXXX was paid in full with XXXX on XX/XX/2022 in the amount of {$310.00}. I submitted disputes to credit bureaus XXXX, Equifax, and XXXX. All disputes came back with the result of the debt being verified though I received no additional information. I'm not sure how the debt came back as verified when as stated, my XXXX account was paid and resolved directly with XXXX.
Consumer complaint received 2022-09-04
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  XXXX  Re Account # XXXX, and, Account # XXXX. 
XXXX Now Account # XXXX, has violated my rights. 


15 U.S.C. 1681 Section 604 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.
Consumer complaint received 2022-12-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc. ()

I bought a gift from " Google '' a XXXX $ gift card on the day [ XX/XX/XXXX ]. I can't redeem it till this day because I need to verify where I got it from. I sent the documents over and over but to no avail on the dates [ XX/XX/XXXX, XX/XX/XXXX I spoke to a customer service agent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX spoke to two agents one closed the chat on me halfway ]. So far not a single response from the emails and the agents told me to wait till their specialized team responded in which they didn't.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

inquiries that was not authorize or recognized complain I contacted Transunion XXXX about the following to be removed from my credit report immediately 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 ) I made complaints to transunion and XXXX about not recognizing these inquiries and might be identity theft and or fraud