davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected toeliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00}
Consumer complaint received 2017-08-01
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: NAVY FEDERAL CREDIT UNION (CA)

Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} Navy Federal Credit Union No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CT)

XX/XX/XXXX - student loan paid off, letter attached, XXXX XX/XX/XXXX- Contacted by XXXX XXXX about my loan, letter attached - XXXX XXXX XX/XX/XXXX - signed intent to pay under threat by XXXX XXXX to Attach pay XX/XX/XXXX- found XXXX Letter of proof of payment in XX/XX/XXXX, letter attached - XXXX XX/XX/XXXX- Mohela obtained loan contact via letter for payment transfer XX/XX/XXXX - Contacted DOE - XXXX XXXX XXXX, Faxed to XXXX Case # XXXX my documentation of proof of payment of loan. Received a call in XX/XX/XXXX about the same matter from XXXX XXXX. Did not realize she had spoken to me. Asked her what she had done to date. Response was she would get in touch with Mohela about cancelling debt collection and clear credit. Have never received any information in writing or phone call back concerning this matter. XXXX XXXX XX/XX/XXXX- Contacted CFPB regarding matter XX/XX/XXXX - Received response from Mohela that was not satisfactory. I want copies of my loans and pay off dates and schools, etc. - XXXX XXXX Legal action pending the outcome of this filing and FCC Complaint also with Department of Banking debt collection practices.
Consumer complaint received 2024-10-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (IL)

During the XXXX pandemic, I was involved in a car accident that resulted in both the loss of my job and significant medical bills. The other driver had stolen the vehicle and, as a wanted criminal in three states, I was unable to receive compensation for the damages. Despite my efforts, including multiple attempts to resolve the matter, I encountered significant difficulties with the collection agency handling the medical bills related to my transportation to the hospital.

I contacted the collector several times, informing them that they needed to coordinate with my insurance provider, BCBS, to arrange payment. XXXX confirmed over the phone that they required the collector to communicate directly with them to process the payment. However, when I requested to speak with a supervisor at the collection agency, they refused to contact XXXX or participate in a XXXX call, which would have resolved the issue. The collector, Wakefield Associates, refused to authorize the connection and insisted that I was responsible for the payment.

Despite my repeated attempts to work toward a solution, they continued to demand payment and reported me as delinquent, severely impacting my credit. The delays caused by the collection agencys unwillingness to cooperate have now left me unable to secure coverage from XXXX, as the debt has become too old to be processed. I have exhausted every avenue to resolve this matter, yet the company refuses to comply with my requests. This situation has had a lasting negative effect on both my financial situation and credit.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

I requested a HAMP loan modification inXX/XX/XXXX. Ocwen Loan Servicing just responded that they will not modify the loan because it was included in a Chapter XXXX discharge. I am willing to assume the loan, so this answer does not seem correct. Ocwen also said that they need a complete Family Transfer Package. I sent them a completed family transfer package in XX/XX/XXXX, and they acknowledged receiving it.
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GCFS, INC. (CA)

The first contact with me on this debt, I asked which debt it was but never was clear as to the original debtor and the amount. It was an old credit card debt and since it was small I was willing to work with the company to make payments if it was truly a debt I owed. They had contacted me when I was out of town with my ill father, so I asked if they could contact me when I was back at home and could verify what they had told me. They stated they would call me back to make arrangements and NEVER DID. I never received a phone call or any type of process service until after I was sued. Apparently, they served me by mail, however because my father was ill and I was helping with him I was staying with my parents. If I would have received any type of legal document I would have made it a point to go to court, there is no way I would just not show up if I knew I had to be in court. I would think there should have been some type of communication or work out prior to taking me to court and there was no such phone calls after the one first call.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the XXXX credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a XXXX dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. With XXXX XXXX, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to XXXX, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! For the XXXX XXXX XXXX XXXX XXXX account, there are XXXX late payments reporting, neither were valid either! XXXX of them, they admitted to their system being down due to XXXX and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened XXXX new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. For XXXX XXXX XXXX XXXX I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I ordered a XXXX Bike in XXXX and a pair of shoes and a mat. They sent the bike and then the mat & shoes later on. They ( XXXX ) in error charged me for whole another bike. i made payments on the one back and to XXXX and XXXX  the error. They said they would correct the error and refund the money. i informed them I was not going to pay XXXX $ becasue I was already paying on the only bike I have. And I only owe for the mat & the shoes. They agreed and said they would fix and notify firm who was the credit company that gave me the loan for the Bike. I started a complaint & dispute with XXXX they said they was working on it. 

XXXX sent a response to me and said as of XX/XX/2023 they have not received a refund and I did not see a refund on my XXXX account. then on XX/XX/2023 they said they said they see the return ad it was credited on XX/XX/2023. I was never notified by XXXX or XXXX of this credit refund all I saw was the XXXX listed on my account. I called XXXX XX/XX/2023 to see what the status was they said they had been sent the refund to XXXX. I called XXXX the same day and said it was true they had refunded them and my balance now was XXXX 3 days later I paid the entire balance off. 

15 days later I got a ding on my credit report from Experian saying this account XXXX falsely charged was 30 days past due and later I got hit with a 60 day past due amount for the XXXX. I disputed with experian, they came back and said XXXX said they are reporting correctly. 
I never was 30 days or 60 days behind as of XX/XX/2023 XXXX representative XXXX said he did not see the refund.to my account I paid it 30 days later and then on XX/XX/2023 and XXXX representative said she see the refund back in XXXX and no one from XXXX or XXXX contacted me about the change. 

I need to have this remove on my credit report my accurate amount was XXXX which I paid. I can never be late on a Fraudulent or a duplicate charge of XXXX. 

Please I need help with this this have dinged my credit score XXXX point just off the 30 days late.
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I was the victim of a blackmail scam in which I sent money via Paypal and XXXX. The blackmailer recorded a video via XXXX and was able to obtain my personal information. The scammers are still harassing me via email and XXXX and claim to be part of an organization. 

I have filed cases with XXXX but have not been able to file a case with Paypal.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I am a US Veteran so I reopened a checking account with USAA. I was transferring money from my old account with XXXX XXXX into my new account with USAA. I had set a transfer for {$180.00} to move from XXXX XXXX into USAA, but before the payment could be withdrawn and moved over, there was an insurance payment that came out of my XXXX XXXX account on the XXXX if XXXX that wasnt supposed to come out until the XXXX of XXXX. So because of this transaction the money that was set to transfer over got denied by USAA and they charged me a {$5.00} return fee. Then without a call or anything they closed my account and tried to call it fraud. I tried exposing to everyone I could about what had happened but no one is listening to me. The refuse to allow me access to my money and Ive been told that it will be up to XXXX XXXX before I will be sent a cashiers check with my money. I ca not go XXXX XXXX without my money. I need my money.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : 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 XXXXXXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/2018. 
XXXXXXXX XXXX XXXXXXXX XXXX {$0.00}
Consumer complaint received 2024-10-21
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. (NY)

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$74000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (VT)

I applied for this Discover Card XX/XX/XXXX. I moved {$2000.00} INTO IT FROM ANOTHER CARD SHORTLY THEREAFTER. TERMS : " PURCHASES AND BALANCE TRANSFERS : 0 % INTEREST FOR 18 MONTHS FROM DATE OF OPENING THE ACCOUNT, AS LONG AS BALANCE TRANSFER IS MADE BEFORE XXXX XXXX, 2023. 

Besides paying the 3 % fee for the transfer of funds, I have been charged interest on the total in my account since opening it. This clearly goes against terms of the card agreement. 

Also, aside from {$2000.00} worth of charges made within the first month of having the card, I have not charged much to this card, yet " minimum due '' continues to rise. 
I would like the payments I have made, over the {$60.00} for balance transfer, refunded.
Consumer complaint received 2017-10-10
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. (FL)

I was a resident of an XXXX owned property for alleged monies owed in regard to a rental apartment. I was sued by XXXX XXXX these monies in XXXX XXXX County and on XXXX XXXX, 2013 a  Stipulation and Order for Payment with Judgment to Be Entered Upon Default was entered into between myself and XXXX XXXX. This matter was never turned over to a collection agency nor was any attempt to collect these monies ever made prior to the filing of this litigation. XXXX XXXX ( a separate and unrelated entity from XXXX XXXX ) is incorrectly reporting this matter on my credit. According to the lawsuit filed, I do not owe money to XXXX XXXX. In addition, this matter is being reported as a revolving collection account which is more than 180 days delinquent. The payments made on this account have been made in compliance with the Court 's Order attached hereto and have NEVER been late or delinquent, nor have I defaulted on any such payment. Neither XXXX XXXX or XXXX XXXX have corrected this information. I have also disputed this matter with all three credit bureaus who have also failed to correct this information. I do not owe monies to XXXX XXXX. This account was NEVER past due, delinquent or defaulted upon.
Consumer complaint received 2017-09-26
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. (TX)

XXXX XXXX was supposed to remove this fraudulent trade as of XXXX per their response. It has been removed from all CRAs with the exception of Experian. Please remove ASAP!
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. This complaint is sending due to the new items on my report they I have discovered just recently. 
I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Consumer complaint received 2024-10-21
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. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/year> - {$340.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (MI)

I XXXX XXXX am writing a formal complaint to the Bureau, who has jurisdiction over this matter under sections 1053 and 1055 of the CFPA 12 U.S.C. 5563 and 5565, Section 814 ( b ) of the FDCPA 15 U.S.C 16921 ( b ), and Section 621 ( b ) ( 1 ) ( H ) of th FCRA, 15 U.S.C 1681s ( b ) ( 1 ) ( H ). MIDLAND CREDIT MANAGEMENT, their attorneys, servants, and agents have made several false representations to me a consumer regarding an alleged debt.. MCM in concert with their attorneys filed a frivolous claim for an alleged debt allegedly owed to XXXXXXXX XXXX in the XXXX District Court of XXXX XXXX on XX/XX/XXXX XXXX MCM brought an action against me falsely representing the amount and status of an alleged debt. They never provided me with a debt validation notice, MCM communicated with me without my consent, MCM and their attorneys filed a legal collection lawsuit without providing verification for the alleged debt, refused to provide me with the verification information in regards to the alleged debt that I requested, they are reporting false and inaccurate information on my consumer report, their attorneys falsely represented themselves as attorneys when they are debt collectors, MCM and their attorneys created and furnished misleading forms and affidavits, and the falsely represented the fact that they were legal debt collectors when they don't have a debt collectors license as the state of Michigan requires. Their conduct is abusive, oppressive, harassing, defaming, intimidating, and it causes me emotional distress. Their actions are grossly negligent and violates several provisions of the XX/XX/XXXX CFPB consent order.