davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

XXXX through Loancare LLC began servicing contract XX/XX/XXXX and I made electronic payments from my credit union each month. In XX/XX/XXXX they notified me a payment had not been made. I contacted them and bank and we advised them of payment. Next month I received same message only now it was two months missing. Contacted bank and company again. 
Since then payments have been received and credited but still showing 2 months delinquent and has hurt credit report seriously. Now XXXX payment was returned to my bank.
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (PA)

I have written Waypoint 2 disputes so far, and I've received nothing in the mail from them at all, no response! This is outrageous! They are reporting to MY CREDIT and they haven't sent me anything at all! This is a violation of the FCRA! Their non response is also a violation of the FCRA! They have reported a disputed debt, a violation of the FDCPA! They are flagrantly violating the law, and they have sent me none of the documentation they are required by law to send to me! PLEASE HELP ME!
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : On XX/XX/2020, XX/XX/2020, XX/XX/2020.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Carbon County (WY)

Collection Center, Inc. XXXX XXXX XXXX XXXX Wyoming XXXX. On XX/XX/2020 I called the mentioned company and spoke to XXXX XXXX. I called to pay off debt that was on my credit report. I asked XXXX for proof of debt due to the amounts she said I owed did not sound correct. XXXX explained the medical accounts had interest added on, not once was I told I was paying court cost or attorney fees. I paid {$1700.00} I never received proof of debt as agreed. I was then told I had another medical account for the amount of {$480.00} I told XXXX that I have no knowledge of this account and I need proof I owe this debt. I never received proof and XXXX lied to me saying it was just a clinic visit. On XX/XX/XXXX I called and spoke to XXXX and paid off the account {$480.00}. On XXXX XXXX I received payment transaction history ( not proof of debt ). On the transaction history I found that I was taken advantage of, not only did I pay medical accounts, I was charged for the principal, interest, COURT COST, ATTORNEY FEES. I never received/ served a summons and complaint, and I did not have a judgment entered against me. I have confirmed with the courthouse no action has been taken against me. I will list the amounts : Payment made : XXXX Principal : XXXX Interest : XXXX Court cost : XXXX Attorney Fees : XXXX This company charged me for fraudulent cost.
Consumer complaint received 2021-01-14
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: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2020, I mailed an FTC notice to stop reporting fraudulent charges to Navy Federal Credit Union. Navy Federal Credit Union does not check the mail of the address that they listed on the credit report so I am uploading the notice here. 

Since Navy FCU is ignoring their mail. I forwarded the dispute to XXXX. XXXX refuses to submit the dispute to NFCU stating that they can not dispute a fraudulent item more than once. XXXX XXXX refusal to investigate new info is a violation of FDCPA I am making all efforts to avoid litigation. The erroneous information reported has caused me to be denied millions of dollars in Cares act funds and other credit, which is causing me millions in damages.
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WI)

On Tuesday, XX/XX/2020, I received a phone call from XXXX at XXXX. Caller identified herself as being from a Collections Agency and that the call would be recorded. She asked for my husband or myself by name. I stated my name and asked where she was calling from. She said she was calling from IC Systems regarding a debt from XXXX XXXX. She told me that I had a past due balance from a previous address from 4.5 years ago. I was skeptical, as all services were paid and terminated when we moved to our current address. She was willing to send a letter in the mail if I updated my mailing address. I gave her current address and then asked for more detail about the past due bill. She gave me an amount due and an account number to reference. I told her I would need to contact the utility company at a later time. At XXXX on the same day, I called XXXX XXXX to speak with someone about the past due amount. The agent searched for my name, my husband 's name, the previous address, both of our phone numbers, and by Social Security number and was unable to find any amount that was sent to collections. She suggested that the call was a possible scam.
Consumer complaint received 2023-01-17
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$7700.00} ), XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX  : {$430.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$490.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$1100.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$2300.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$1800.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX  : {$14000.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, XXXX  : {$470.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX : {$500.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$540.00} ). Its been over XXXX days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

I received a letter from Credit Collection Services stating that I owe {$200.00}. I responded with a certified debt validation letter. I didnt receive a letter so I called the company on XX/XX/XXXX and spoke with XXXX and she stated didnt see me request to validate debt. I recently received a health insurance claim form on XX/XX/XXXX that was dated for XX/XX/XXXX. The information does not validate the debt or show that Credit Collection Services has the right to collect this debt. However on XX/XX/XXXX I received notice that this collection was placed on my credit. I called the company and spoke with XXXX XXXX and asked her to remove the collection as we attempt to validate the date. She declined and said that it was notated as disputed and she had the right to report it. I told that was unfair practices due to the debt has not been validated and it was done with negligent intent
Consumer complaint received 2020-03-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XXXX XXXX  XX/XX/XXXX Capital One sent email stating my vehicle has been assigned for repossession. For the past year have been requesting debt validation in writing. SEC information report to have balance reflect. In XXXX the vehicle was {$13000.00} and today {$9800.00} which I have no clear indication on HOW finance charges are calculated daily. To no avail. I submitted an accept for value offer which they did NOT return. There is no lawful money HJR 192 GAAP and UCC 3-603. Asked for statement of account according to UCC 9-210. I NEVER saw Capital One or ANY of its associated representatives pass ANY money. My contract says XXXX XXXX. The only transaction I saw was my vehicle ( security interest ) and my check ( security interest ) and my signature ( security interest ). As a consumer I am more than justified in demanding proof of claim. I receive daily calls and threats from rude beligerent people and they hang up when I mentioned that it is against the law to threaten me.
Consumer complaint received 2024-03-18
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. (NY)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an on Transunion it's ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX XXXX  account XXXX XXXX. XXXX XXXX XXXX account XXXX
Consumer complaint received 2020-03-10
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: ALLY FINANCIAL INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX No late remarks but the status is charged off. 
XXXX XXXX No late remarks but the statuses are Late 30 Days Late 60 Days Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WI)

I was a first time user with the venmo company. So I opened a venmo account and I had to submit a front and back copy of my driver 's license to receive the direct deposit information, I submitted the front and back copy of my driver 's license my account was reinstated and I received my direct deposit information which I submitted to my school to send me a refund. In the user agreement it said nothing about I had to be lower than any specific amount to receive a direct deposit so the school sent me a total of {$1200.00}. Then more is saying because of the following On XX/XX/2023, these tools identified your Account as potentially high risk. In this case, our internal security system identified that your recent Payment was for an amount significantly higher than previous payments you received. Historically, this type of activity carries a higher-than-average risk of fraud and can be indicative of potentially unauthorized account access. ) This is why my account has been frozen and my funds is being placed on hold for 180 days. The issue I'm having with the response that they gave me is because they never said in their user agreement that they were going to compare my incoming or outgoing transactions to determine whether something was wrong but because they said that they had took notice of the amount that I received from my school to be an amount higher than I usually receive is an issue because I've never received any money on this venmo account for them to compare to this was my first and only transaction on this account so when they froze my account I submitted the same front and back copy of the driver 's license that they received the first time when I opened the account to receive my direct deposit information but this time they said that it wasn't legible so that's why they're holding my funds for 180 days which I don't believe is fair or right. I am requesting that my funds either be open for me to remove them from the account or that venmo reverse the {$1200.00} back to my school ASAP.
Consumer complaint received 2021-01-14
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. (NY)

Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. This is affecting me from getting my house for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report below
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020.
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (PA)

My mortgage company cancelled my escrow account XX/XX/XXXX and didn't notify me. They are charging me for escrow though still and have taken out of my XXXX through XX/XX/XXXX payments. My home owners insurance was cancelled as they didn't pay it. They raised my inters from 4.5 to 5.5 effective with payment due XX/XX/XXXX. They still haven't been added to my credit report since XXXX of last year. I hold for hours to speak to an agent and just get the run around Gregory Funding
Consumer complaint received 2021-01-14
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: EQUIFAX, INC. (NC)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2021-01-14
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. (NC)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2021-01-14
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX  do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX  to Please block, remove or delete this information pursuant to section FCRA 611. XXXX  is the reason why this has happened!
Consumer complaint received 2023-01-17
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax and XXXX  are failing to review and/or research any of my dispute letters that have been sent regarding the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My current credit report stills shows these accounts as Account not Disputed. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. - - You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
I respectfully request that the bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates XXXX XXXX XXXX and XXXX never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and XXXX
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

As I have not heard back from Equifax in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.