davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

To the best of my knowledge there is an erroneous lien from XXXX XXXX on my property in the amount of {$240000.00}. It is listed on the records for XXXX County, NJ as a XXXX judgment from XXXX. 

I did in fact go to the brink of foreclosure with XXXX XXXX in XXXX. But I was given a loan modification through them in XXXX. In other words, we reached a deal. So the judgment should be erased. 

Complicating matters, Loancare bought my mortgage in XXXX. 

Never have I missed a payment since the modification. 

Loancare is not addressing the matter. They gave me a case number. That was it. I previously contacted XXXX XXXX which says even though they placed the judgment on my records it is now Loancare 's  responsibility to fix the problem. 

My realtor brought the problem to my attention when I inquired about selling my home. 

I realize the banks are overburdened right now, but this is an ideal time for me to put the place up for sale. The lien makes that impossible.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P. (MD)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidential reality under 15 USC 1681. 

LVNV FUNDING LLC : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make
any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2021-03-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Reason ; The reason for my complaint is that in our current loan refinancing with cashcall mortgage, we have not been treated fairly in the refinancing proccess. 

What happened ; Started refinancing with cashcall mortgage in XX/XX/XXXX and still have not funded our loan. 

File Complaint ; Cashcall mortgage loan rep XXXX XXXX and loan processor XXXX XXXX have caused a lot of pain and suffering in the last 3 plus moths with the continuous lies about funding our loan and not delivering. our last update was XX/XX/XXXX from XXXX XXXX telling us that our loan was funded and of course it has not. 

Company Involved ; Cashcall Mortgage Who are the people involved? 
XXXX XXXX ( Loan Rep ) and XXXX XXXX ( Loan Processor )
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KY)

Cashapp has been useless since XXXX I have tried contacting their customer support for help with charge backs from a gambling sight that i wasn't made aware was illegal and per my states law I can legally get that money back. XXXX was sued by the state of Kentucky and was supposed to notify me of this as well as update their platform. Finally in XXXX XXXX  MONTHS AFTER STRUGGLING TO INDIVIDUALLY DO A DISPUTE FOR OVER 500 TRANSACTIONS AFTER BEIN TOLD BY XXXX XXXX they can't do it a lovely agent helped and filed all 500+ disputes. Cashapp denied XXXX of them because " 60 days had passed '' I have been trying to dispute these charges for over 3 months! They are constantly allowing merchants to double hit my account, even after I've blocked them. I want my money back!
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (FL)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 
CONVERGENT OUTSOURCI ( XXXX ) ***** Balance {$0.00} Opened XXXX XXXX, 2019
Consumer complaint received 2020-08-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NV)

Hello, I had an auto loan from bridge-crest for a vehicle which was closed a few months ago. And i never had one late payment and paid every time on schedule. When I went to send in my final payment to close the loan early and in full, they failed to process my last check. This could have been very easy for them to resolve by simply calling me if they had an issue, as I would have just made an electronic payment as well if need be. Also they were pushing me very hard to purchase another vehicle and get another loan through them even after I had told them I didn't want or need a new car. This is quite frustrating as i called several times to resolve this and they refuse to change my last payment to on time. It is showing over 30 days late which is killing my credit score. I believe this is a nefarious attempt by the lender to be able to charge me a higher interest rate on another loan. I would never be late on any of my payments. If you look at my account history you will see every payment to them was on time and i feel this is very unfair and negatively impacting my life as a whole at this point. Very difficult to get an apartment or live any where with this negative item on my report.
Consumer complaint received 2020-11-06
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. (OH)

TransUnion is reporting I have 7 collection accounts listed in the Account Summary on credit report and reviewing the Collection Account Sections there are not NO accounts displayed, please correct my credit report as this is bring down my credit score. 

Please see pictures showing the Account Summary and Collection Account Section.
Consumer complaint received 2023-06-13
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. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT RESOURCE XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

As of XX/XX/2020 - XX/XX/2020, I have been mailing my dispute letters to the following credit bureaus ; XXXX, Experian, and XXXX. My first dispute letter was back in XX/XX/2020 using the regular mailing system. The last two dispute letters was the months of XXXX and XX/XX/2020  through certified mailing to be able to track my mailing and I still have not heard a response from either creditor agency.
Consumer complaint received 2023-06-23
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. (TX)

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

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-23
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. (TX)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is reporting inaccurate information on my credit report. Under Time days late it states XXXX, under amount past due its states XXXX balance. All this states the fact that there was never a late payment however under worst payment history it states 120 days late. This information is incorrect and not accurate which is a violation of my rights under the FCRA.
Consumer complaint received 2018-10-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

explained I was on SSI XXXX and could no longer pay the balance and cancelled my credit cards. I was down to one income after my partner passed away XX/XX/2016. 
Calls have been more and more frequent There have been other phone calls constantly. 
XXXX XXXX XXXX XXXX XXXX XXXX. many others. 

Can this company take my Social Security Retirement? It's the same amount as my SSI XXXX. I need this to live on. 

Thanks
Consumer complaint received 2024-02-27
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-23
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. (MI)

Within the past two years Experian conducted at least thirteen ( 13 ) separate investigations for the acct/tradeline each time with both XXXX and Experian claiming investigation was conducted and results met the standard of maximum possible accuracy under FCRA 15 U.S. Code 1681e. The Dates are : 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. 

The data as reported is inaccurate and contradictory on its face. Thirteen ( 13 ) different occasions attempts to reconcile failed -- the acct/tradeline is still inconsistent -- change info as instructed under the ITEMS TO BE CHANGED portion of the attached document. The explanations is in the section marked EXPLANATION in the attached document.
Consumer complaint received 2019-01-06
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. (OH)

Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, Equifax, XXXX ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-07-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was approved for my 2 credit cards but didnt get one and lost the other one and their were charged I didnt recognize authorize and called but I dont get the claim process I was told I am not liable fir charges I didnt authorize I still have not seen a credit for those charges
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

I began having issues and calling in XXXX concerning past due and late payments which was supposedly resolved after speaking with a supervisor. I called again in XX/XX/XXXX ; I made 2 payments XX/XX/XXXX, and another payment XX/XX/XXXX ; I called again in XX/XX/XXXX and learned my payment was being held in a suspense account for whatever reason I did not get a resolve to. XX/XX/XXXX only {$390.00} of my {$1600.00} was reversed which made it appear my payment was not made. XXXX payment was missed and I made 2 payments XX/XX/XXXX. From XX/XX/XXXX to date all payments have been made ; however, the mortgage company refuse to apply the XX/XX/XXXX unapplied payment of {$1200.00} to my account. Each time I call I continue to be transferred and after a 2 or 3 hour hold the matter has of yet to be resolved. There is also a late fee amount over {$610.00} they have as outstanding, however, according to my records and their statement the amount is {$280.00}. I began calling this morning and was transferred to 3 customer service agents and after explaining the issue each time was told I would need to speak with someone in escalations and I have been on hold now for 3 hours and 12 minutes which is ridiculous. It appears they are not willing to resolve their error and this has been very stressful and I expect a resolution.