davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Ditech XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I never made a late payment on XXXX, I never paid a late fees. 
On XXXX XXXX the payment of my house went up. I sent my payment for {$1600.00} this payment was short for {$120.00}, instead for {$1800.00} I am requesting that the LATE PAYMENT be removed from XXXX and XXXX credit report. 
Enclosed is a copy of payment record from my bank, supporting my position. 
Please reinvestigate this matter and delete or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Payment records from XXXX XXXX. 
My Payments Print Date Range Is XXXX XXXX, XXXX - XXXX XXXX, XXXX Change Total : {$28000.00} Send Paid to Amou On nt Status/ Paid Type Cate Conf. # from XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$120.00} Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX DITECH None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX DITECH XXXX XXXX DITECH XXXX XXXX XXXX DITECH XXXX {$1600.00} . Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX Z {$1500.00}. Complete XXXX XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX {$1500.00}. Canceled XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (FL)

on XX/XX/XXXX, i signed a lease from XXXXMONTEREY Financial Group. i was financed for the purchase of {$1800.00}. My first payment, at the store on date of purchase was {$440.00} with 27 payments of {$150.00}. the first payment was set for XX/XX/XXXX. the account they tried to pull from was insufficient. unknown to us that it was auto draft, we tried to pay the {$150.00} with a different account on XX/XX/XXXX. they did not take the money until later in the month ( 3 weeks later ) and then claimed a {$20.00} late fee for the next billing cycle. i agreed. on XX/XX/XXXX, they pulled {$270.00} from my account and of that, {$52.00} came from my savings account. i called and they claim i agreed to that and would go over the last call to verify. my contract says to pay {$4300.00} at the end of lease, but the numbers do not match my account on their website by several hundreds of dollars.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Method of Verification Request Report Number # XXXX. 

To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , verified the account they are reporting is accurate. When in fact these accounts were the result of Identity theft. You had the ability to use the e-Oscar System to request a BRR, a police report was sent and FTC Id Theft Affidavit. However, you failed to do so. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a Capital One Quicksilver card that was delinquent, the card was paid off in full & I was told by collections that the account would be removed from all 3 of my credit reports by the collections department. I was told that within a month this would be deleted & its still showing up
Consumer complaint received 2021-05-04
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. (MN)

I sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through XXXX XXXX  XXXX Mortgage. 

In XX/XX/XXXX XXXX XXXX XXXX Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. 

I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error. 

I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. 

They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded. 

I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the error.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (VA)

FedLoan Servicing is reporting a wrong status on my credit report by saying that I'm 120-149 Days Late on a section of loans with them ( {$49000.00} ). This is false because onXX/XX/2019 I was granted forbearance by FedLoan Servicing that covered the time period that they are saying I'm delinquent ( XX/XX/2019-XX/XX/2019 ). On two occasions, two customer service people that helped me with this forbearance process told me that once it's approved, they will contact credit agencies to remove the delinquency reporting. Then after it was approved, customer service people are now telling me they will not remove it. So, on XX/XX/XXXX I filed a dispute with XXXX and XXXX detailing this issue. XXXX completed their investigation and it seems that FedLoan Servicing is still refusing to remove the false delinquency reporting from my credit, as it is still on my credit as of today. This is ruining my financial life, in that my credit dropped exponentially and will now not be able to get a loan for a car that I need to get to work and will cause me issues when trying to get approved for the next apartment I need to rent from. This makes no sense to me, as I even have a credit reference letter generated by FedLoan Servicing that states I am 0 days delinquent on all loans with them. My account is current with a {$0.00} balance and I have no payment history with them because I've never had to make a payment.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked TransUnion several times to provide information on two separate accounts. Account # XXXX ... ... and Account # XXXX ... ... I asked that they supply information on how these accounts have been verified and have not gotten any responses from them. I also asked them to remove an address I never stayed at and to remove two employers from my credit profile.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has consistently being trying to charge me overdraft charges even when my account is not overdrawn. Mostly, when my account falls below {$25.00} they would charge me {$35.00} to ensure I have a negative credit. They then give me 5 days to bring my account to positive, failure to which they charge me another {$35.00}. 

This trend has resulted into some of my genuine payments being declined when they should n't. 

In XXXX, I noticed this and had one charge rescinded. On XXXX/XXXX/XXXX, the updated statement showed that I was charged {$35.00} overdraft fee even when my account balance was {$15.00}. This resulted in a negative balance of {$19.00}. I have screenshots of my account to back up my assertion. 

There have been many instances like this that I have allowed to go through because I did n't have time to argue out my case. I wonder how many people are being swindled in a similar way.
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP (IN)

XX/XX/2020 Received a U.S. Bank Reliacard through the mail for absolutely no reason just showed up. When I tried to reach a customer service agent, I was required to activate a card that I did not apply for. Once the card was activated, I waited on hold for 1 hour and 17 minutes before a customer service representative picked up the phone. Once the phone was answered, the gentleman asked for the card number and what the problem was. I provided the first 4 digits and the agent hung up on me. So I called back and went into the hold sequence again, this time waiting for 57 minutes. Customer service agent picked up the phone and asked how can they assist me. I stated that I received a card in the mail that I did not sign up for and wanted it closed / cancelled. The agent asked for the card number, I stated the last time I provided this information, the agent stated she was sorry and will take care of it right away. I provided the card number and she repeated this back to me, then hung up the phone. The card has been cut into pieces and will be mailed back to the return address.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/XXXX I was sent a Venmo payment of {$1000.00}. On XX/XX/XXXX at XXXX I initiated a transfer of {$990.00} to my bank account via standard transfer. Venmo says the transaction was complete XX/XX/XXXX at XXXX. The funds were never posted to my account. I contacted customer support who was extremely unhelpful. I also contacted my bank ( XXXX ), who confirmed that there was no pending credit from Venmo. On XX/XX/XXXX Venmo opened a dispute. Since then, it was been under review and they are no longer responding to my emails. It has been XX/XX/XXXXdays since I tried to get my funds and I still have no resolution.
Consumer complaint received 2023-03-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (FL)

- [ ] In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

- [ ]

15 USC 1681 Section 602 States I have the right to privacy. - [ ] 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

- [ ] 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-02
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. (AL)

In accordance with fair credit reporting act XXXX XXXX XXXX account # 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 section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-02
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: AMERICAN EXPRESS COMPANY (LA)

I recently recently mailed a letter of settlement towards American Express for an unauthorized inquiry to my consumer report. Today i received an email from them, saying to contact their customer service department because of the sensitive nature of my requests ( which were DEMANDS not requests. I stated the law and how my demands are backed up by the federal law and congress Title 15 Chapter 41. They did not care, they continued for 40 mins denying my rights, and saying that AMEX does not do settlements. They are in violation of the Fair Credit Reporting Act 15 usc 1681, for unlawfully obtaining my XXXX  consumer report onXX/XX/21 without my authorization or a permissible purpose under the FCRA. As a result of that they are liable for damages stated in 15 usc 1681n ( a ).
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-04-27
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. (FL)

In accordance with fair credit reporting act has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account 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 15 u.s.c. 1681 section 602 A. states I have the right to privacy 15 u.s.c. 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-02
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. (CA)

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Consumer complaint received 2019-11-15
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. (SC)

This XXXX XXXX XXXX XXXX auto loan item was inserted onto my credit file and I did not receive any notification at all via mail. 
Im supposed to be notified at least 4 days before reinsertion. 

I need this account removed and blocked from my credit report ASAP. I have filed a new identity theft report as well have the notarized affidavit to certify that this XXXX XXXX  account does not belong to me. 
Account number is in the letter.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with fair credit reporting act has violated my rights. 

XXXX XXXX Unverified Account XXXX key XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX XXXX Unverified Account Dept of education XXXX XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account 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 15 u.s.c. 1681 section 602 A. states I have the right to privacy 15 u.s.c. 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Recovery Solutions, LLC (GA)

From : XXXX XXXX <XXXX> Subject : Fraud ob XXXX Check I did not write a check to XXXX  for XXXX. I have not written any hand checks since XX/XX/2019 for XXXX please remove charges and reverse courtesy pay. I should have XXXX in my account! Please investigate now and remove fraud XX/XX/2019 Withdrawal Fee / Courtesy Pay Fee In the amount {$30.00} XXXX XXXX - {$35.00} - {$63.00} XX/XX/2019 ACH Withdrawal / XXXX XXXX - {$30.00} - {$28.00}
Consumer complaint received 2019-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IN)

My PayPal account was cancelled and I dont know why. Listed in the generic statement I had activity against their policies. I tried to find out what I did that was wrong. Run around and no answer. Never have I learned how I have violated any policy. One day my account worked and the next it didnt. I still receive email advertisement from PayPal so I dont understand. I use my account to send money to family and online shopping and think PayPal adds a layer of protection to my actual bank account.
Consumer complaint received 2023-03-29
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. (CA)

I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2022 XXXX XXXX XXXX XXXX .... account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXX .... Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late