davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
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. (NY)

I am writing to dispute a XXXX reported delinquency on my payoff of the lease-end residuals. I just want to take this opportunity to point your attention to the fact that I have 2 leases with XXXX XXXX for the entire life ( 3+ years ) of these leases I was never late with my payment. 
I was paying it off in a good faith, as arranged with their lease-end dept. representatives, who reassured me that have time to pay until charge-off of the Account, that would have happened in XXXX, 2021, when I spoke to them in XXXX and then again in XXXX. Based on that arrangement I spaced my payments to complete paying off the balance by end of XXXX. To accomplish this I was making 2 to 3 payments a month ( see below ). 
Date Received Amount XX/XX/2021 {$400.00} XX/XX/2021 {$200.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$300.00} Now when I found out that my account was reported as delinquent on XX/XX/XXXX, which caused my credit score to plummet, I called again and happen to talk to the same XXXX representatives I spoke in XXXX, but he didnt acknowledge that arrangement, and continued to state that they didnt indicate that I have time to pay until charge-off of the Account that would have happened in XXXX. They caused me financial difficulty by reporting my account as delinquent to 3 credit agencies, which caused my credit score to drop 40+paoints ( from excellent to good ).

As a result I filed a dispute with 3 Credit Agencies : Experian, XXXX, and XXXX  and writing to you as a consumer with an excellent credit rating to right this wrong so that I can have back my excellent credit score that I worked so hard to build and maintain for the past 15 years. They ruined me. Looking forward to the positive outcome of this complaint.
Consumer complaint received 2021-08-09
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. (NC)

My home was burglarized and my personal information was stolen along with other items from my home. I recently took a closer look at my credit report and noticed that a lot of applications has been created using my personal information that I was not aware of. I contacted Equifax and was told this information would be deleted but it has not been. The letter I received was a computer generated letter and my concerns were not addressed.
Consumer complaint received 2021-08-10
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. (MO)

I sent letters to XXXX XXXX, Certified Mail w/return receipts, on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. In the 3 letters, I made XXXX XXXX clear that I know my rights through the FCRA and FDCPA and requested validation of the debts they claim I owe, along with competent evidence that an agreement was ever made between XXXX  XXXX and myself. In the first letter I sent, I specifically requested XXXX  XXXX to provide me with : " What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service '' XXXX  XXXX responded with billing statements and a separate letter stating, and I quote, " Dear { My Name }. 

Thank you for your recent inquiry regarding your application with XXXX XXXX. The application that you refer to was taken over the phone or the internet, so, unfortunately, we don't have a paper copy to send you. We're sorry for any inconvenience ... '' This is an extremely clear admission from XXXX XXXX that they have no proof of a paper copy of any agreement made between Me and them. XXXX XXXX also failed to provide me with all the requested information. 
I sent my second letter which informed them they had not met the validation requirements as required by law. They responded stating, " According to our records, We received your application by Internet on XX/XX/XXXX and your account was opened on XX/XX/XXXX ... '' Yet, again, they sent nothing to validate I applied for an account with them. 
I sent a 3rd letter specifically asking for a recording of the alleged phone conversation or a copy of the alleged online agreement ( since they aren't even clear on how the alleged agreement was made ) showing clear undeniable proof I agreed to acquire the debt in question. To no surprise, they weren't able to provide either and responded again stating they, unfortunately, don't have a copy of the agreement to send me. This further proves they're unlawfully trying to collect a debt I do not owe, and reporting false, unvalidatable information to the major credit bureaus ( TransUnion, XXXX, XXXX ) which has caused immense damage to my credit score! They can't even specify how this non-existent agreement was made! 
Also, XXXX XXXX has somehow managed to convince the major credit bureaus this debt is validated yet as clearly documented by certified mail and multiple attempts from me, XXXX XXXX was unable to validate I owe this debt.
Consumer complaint received 2020-12-27
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-10
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: LEXISNEXIS (NY)

a secondary agency reported a bankruptcy to my XXXX  credit report. 
this agency was notified that I did not consent to personal financial records being divulge to secondary agencies. 

There is a privacy law that states that finanacial records have to be given consent or have a disclosure to the specific party involved. I have stated this numerous times and have been ignored multiple times. law was listed below and this is federal law that is being broken as well as consumer law he Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies
Consumer complaint received 2021-08-09
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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. Errors are being made and it is defamation against me which is costing my family money and making me XXXX ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX  though and I will save to fight this in court. On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. I will be taking legal action against Transunion if this erroneous item is not removed from my report. Sincerely, XXXX XXXX
Consumer complaint received 2023-07-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (HI)

Today I am being charged an escrow shortage of over {$2400.00} despite my best efforts to work with XXXX XXXX  ( my mortgage servicer ). I have argued with them for the flood insurance that I have paid out of pocket since. Additionally, the lender placed insurance coverage, despite holding flood insurance that we paid for out of pocket and have provided the documents to them in XXXX of XXXX valid through XXXX, they have again reinstated double flood insurance coverage costing over {$1200.00} from one of their insurance subsidiaries and again failed to provide us with any documentation regarding this coverage. 

This started on XX/XX/XXXX, I was notified that my mortgage was sold to XXXX, who also owns an insurance subsidiary XXXX XXXX, and that the mortgage is now serviced by XXXX XXXX. In XX/XX/XXXX, I was informed that I had inadequate insurance on my property and that flood insurance had been obtained for me. I did and do have adequate insurance through my providers, so I uploaded documentation of my coverages to XXXX XXXX  and spoke with them on the phone. On XX/XX/XXXX I received a notice that I was having my mortgage increased to {$2600.00}, ( from {$2400.00} creating a hardship for me ) and that there was an escrow shortfall. I repeatedly contacted XXXX, and uploaded my insurance coverages. I again informed them I had insurance coverage and request that they lift the coverage they were now charging me for without my consent. On XX/XX/XXXX I received another notice, this time about the master insurance policy on the condo project itself. I forwarded them the information on my management company and the insurance provider. XX/XX/XXXX, a letter arrived in the mail that additional flood insurance had been placed on my property followed on XX/XX/XXXX, by another letter notifying me of another escrow shortfall and an increase in my mortgage payment to {$2800.00} ( now up over $ XXXX ). I was now desperate to correct the situation and get my prepaid insurance coverages recognized by XXXX XXXX. I made over 3 phone calls and uploaded documentation repeatedly. Today, XX/XX/XXXX, I am still being charged $ XXXX for my mortgage that was originally XXXX despite holding more than adequate insurance throughout XXXX and into XXXX. 

Overall, I believe that I have been the target of a predatory lending practices that are attempting to charge me over {$2700.00} in insurance that was I already carrying over the course of 2 years. Today, I continue to be charged for this insurance without any documentation of the coverages provided to me. I believe that XXXX is purchasing mortgages and then processing lender placed insurance through their subsidiary, XXXX XXXX in an attempt to produce greater profits. Please assist/investigate, thank you.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (GA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM. I HAVE TRIED TO GET THIS ISSUE RESOLVED SEVERAL TIMES BUT NOBODY SEEMS TO HELP ME I AM LOSING SLEEP OVER THIS I AM GOING THROUGH EMOTIONAL DISTRESS AT THIS POINT IF THIS ISSUE IS NOT RESOLVED I AM GOING TO SUE THE BUREAUS THEIR JOB IS TO REPORT FAIR AND ACCURATE INFORMATION I HAVE FILED AN FTC REPORT AND BY LAW THOSE ACCOUNTS SHOULD BE BLOCKED WITHIN 5 DAYS OF RECEIPT. THIS IS MY LAST ATTEMPT TO TRY AND GET THIS RESOLVED OUTSIDE THE COURT
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MI)

I disputed the collection accounts with the 3 credit bureaus, and they indicated that the debt was verified and validated. I mailed a second letter and requesting that they provide me the information that was collected and how the information was verified from the company. 

I have not received a response from the neither credit bureaus and its been over 60 days.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I have been in the process with Rocket Mortgage for the last 3 months to close on a property. They have had all my documentation for the last 2 months and only began the underwriting process 1 week before our agreed-upon closing date which is XX/XX/XXXX. More than likely now our closing will have to be delayed which is completely unacceptable. 

They continue to request documentation about a gift letter, but purposely send me a different document to sign in order to make it seem as if the delay is my fault. They simply just started the process too late.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
This is my 2nd time reaching out to you and no accounts were deleted. This letter is a formal complaint that you are committing identity theft. You have failed to produce any documentation that shows I directly gave your company written authorization to place these items on my credit report. 
I am upset that you have included the information below in my credit profile. There are laws for credit reporting that ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in the documents.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WA)

On or about XX/XX/2021, I met with a banker to make changes to my checking account. Specifically to add and remove a signer. No changes to the account type were discussed nor authorized. 
Approximately 60 days later ; XX/XX/2021 I received new disclosures indicating my account type was changed to one with additional fees. Previously, my account had no fees associated with it. 
I have attempted to contact the bank for resolution, unfortunately, I was transferred multiple times as the phone representatives were unable to assist. 

My complaint is that the bank ; Wells Fargo did knowingly change my account without permission to a type that incurs more fees/revenue from one that does not.
Consumer complaint received 2021-08-09
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: Tower Loan of Mississippi, Inc. (LA)

The fo

llowing information is outdated. I would like it removed from my credit history report Immediate delete this inaccurate account from my credit report a collection account is late by default therefore it can not report a late payment. Immediate delete this inaccurate account from my credit report XXXX  is reporting the date of last activity as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. It is a violation to re-age a collection account. Immediate delete this i
naccurate account from my credit report
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Monday XX/XX/XXXX XXXX and XXXX I received text from Bank of America that said my sister sent me money with XXXX. According to XXXX if someone sent me with XXXX I can get it right away so when I ask the bank said 1 to 5 business days which is against XXXX agreement. So the has to pay me inconvenience fee for left me without fund holding my money without any reason if not I'll XXXX  the bank.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (UT)

I recently noticed that my credit card was used to pay for a large purchase. I immediately contacted the credit card company and reported the incident by filing out a form and faxing it per the instructions at their website. 

I waited a couple of weeks and did not hear back so I called to make an inquiry. The service representative I spoke with took my claim after I explained what happened. 

The issue was that I lost my laptop and believe it was taken by a roommate I used to live with. Since my XXXX store credit card is stored in my account. It was used to make a purchase. I have possession of the card It seems the transaction has been reversed and I am being held responsible for something I did not purchase
Consumer complaint received 2021-08-09
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)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

In XX/XX/2021 I sent over a certified letter to Midland funding requesting debt validation. Tracking information shows the letter was received and signed for. Per FCRA collection agencies have 30 days to respond to the debt request with valid information to prove the account is authorized to be listed on my report. Well Midland has disregarded all FCRA rules and regulations. They have failed to provide any legal documents to prove this debt is mines. This unverified inaccurate account needs to be removed from my credit report IMMEDIATELY.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (KS)

I am in XXXX XXXX. I was admitted to Hospital XXXX. However, I did not sign any voucher or invoice for the charges on my card of {$5000.00}, I did not authorize this charge at all. I disputed the charge with Chase, they did not resolve it. I was sent a new card because I made a fraud claim on the {$5000.00} charge from XXXX. Chase apparently validated the charge. I did not sign anything, did not give authorization to anyone to sign on my behalf. I will not pay the {$5000.00} charge to XXXX XXXX. This is having a negative effect on my credit. I want the charge reversed. 

I do not understand how they did not validate the fraud charge. XXXX did not treat me, I was there against my will and moved to a different hospital where my covid was resolved.