davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

my mohela account history is displaying flawed information as if I have missed payments or currently have payments due. I am not sure if mohela refuses to apply the payments correctly, or is unsure how to apply the payments so that the payment due date is projected based on the totality of the payments made towards my XXXX account. 

My account shows the following message : " Please note : This message, from a debt collector, is an attempt to collect a debt and any information obtained will be used for that purpose. '' Actually, I have made 9 monthly payments in XXXX consolidated payments ( XXXX and XXXX for monthly payments at XXXX each per month ). Based on mohela 's website and my documentation, the payment application breakdown according to the monthly payment of {$340.00} is {$130.00} being applied to sequence XXXX and {$200.00} being applied to sequence XXXX. The XXXX payments that I made both in XX/XX/XXXX ( {$1000.00} and {$1900.00}, respectively ) should have projected the payment due date to XX/XX/XXXX, but mohelas system has not adjusted making the payment in the amount of {$1000.00} appear to be the monthly payment for XX/XX/XXXX, and the payment in the amount of {$1900.00} appearing to be the monthly payment for XX/XX/XXXX. This is totally inaccurate. 

mohelas Payment breakdown was applied incorrectly to account as if each payment ( XXXX and XXXX, respectively ) was the monthly payment due. The {$1000.00} paid XXXX covered monthly payments at XXXX for the months of XX/XX/XXXX through XX/XX/XXXX. From this {$1000.00} payment, {$390.00} should have been applied to sequence XXXX and {$620.00} should have been applied to sequence XXXX instead of the inaccurate applications of {$130.00} for sequence XXXX and {$930.00} for sequence XXXX. The {$1900.00} paid XXXX covered monthly payments at XXXX for the months of XX/XX/XXXX through XXXX XXXX. From this {$1900.00} payment, {$780.00} should have been applied to sequence XXXX and {$1200.00} should have been applied to sequence XXXX. The next scheduled payment due date should be XX/XX/XXXX not XX/XX/XXXX or XX/XX/XXXX ; however, I have technically fulfilled the remaining XXXX payments pursuant to mohelas remaining payments letter, dated XX/XX/XXXX. 

Additionally, I have filed the XXXX Request via the XXXX XXXX XXXX XXXX website ( studentaid.gov ) which was uploaded successfully on XX/XX/XXXX. I am now awaiting the decision from the federal courts regarding the injunction for all XXXX payments.
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

To whom it may concern, On or around XX/XX/year> at around XXXX I noticed that there was an attempt to repo my car. I caught the gentlemen in the middle of the tow before the car was lifted and let them know that I did not consent and told them not to take my car. The XXXX gentlemen continued anyway breaching the peace at my parents residence and church. I let them know that the residence I was residing was also a church and that they are trespassing. I also let them know about my consumer rights, and that they were breaching the peace. They continued even physically assaulting me by knocking my camera from my hand as I was recording, and that's when I jumped into my passenger side of my vehicle. XXXX of the repo men jumped into my driver side yelling, in my face and making some pretty outlandish threats all while spitting in my face, and decided to light a cigarette blowing the smoke in my face as well. I stayed in the vehicle, and he then called the police. The police came to the scene where they let the repo men know they had to leave, I also filed assault charges against the men with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Prior to this I had been talking to the company about the allonges to my contract as well as the initial negotiable instrument per as I wanted to negotiate the contract as per Constitution Article XXXX Section XXXX states : No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of XXXX XXXX XXXX XXXX coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any XXXX XXXX XXXX, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. Also stated that : money is In usual and ordinary acception it means gold, silver, or paper money used as circulating medium of exchange, and does not embraced notes, bonds, evidences of debt, or other personal or real estate. 

Further more I asked for the XXXX 'S information to file with them the proper UCC-s which I was denied the information, as well as lied to about receiving paper statements via mail. They have been giving me the run around on documentation, and in Arizona it takes an initial 90 days for them to come to the conclusion of repossession. Furthermore the initial contract is built on Fraud and they have acted in a fraudulent manner making the contract void of any negotiation or payment.

The fraud being withholding my initial license plates after signing the contract initially, and forcing me to pay my first bill in order to receive them. Revoking my gap insurance, and initially forcing me to pay a down payment. They also withheld information on how to sign the document, as the initial loan was generated from my signature. My signature was the initial payment and bond to the contract. 

I will also site here for my UCC filings over the contract making it void for documentation. My UCC 3-104 UCC 3-603 UCC1-308and UCC 3-419 and HJR192.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

This morning, I found unauthorized inquiries on my credit report without any explanation. I refreshed the page, thinking it was a mistake, but the issue persisted. Im extremely frustrated by this and need a thorough review of the documents Ive provided to prevent this from happening again.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Name of the consumer : ( XXXX XXXX XXXXXXXX ), Social Security Number of the consumer : ( XXXX ), Date of birth of the consumer : ( XX/XX/XXXX ) Criticisms Leveled : Please, Experian, within four business days of receiving this complaint, remove from my consumer credit report any information that is associated with fraud or identity theft. I am requesting this action in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). The following items constitute this deceitful, erroneous, and misleading data : SCAM ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX Locations XXXX XXXXXXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; and XXXX XXXX NY XXXX and XXXX XXXX XXXX, respectively XXXX XXXX XXXX XXXX {$520.00} XXXX is a fraudulent account. The following transactions occurred on XX/XX/XXXX : XXXXXXXX XXXX XXXX  {$380.00}. XXXX. XX/XX/XXXX : XXXX XXXX. {$4300.00}. XXXX. XX/XX/XXXX : XXXX XXXX XXXX XXXX {$7300.00} My consumer XXXX report shows multiple instances of fraudulent collections related to these accounts. I have attached a list of the affected accounts and addresses, along with a copy of the consumer FICO report that you maintain. This report clearly indicates the false items that were discussed earlier. The reported accounts and collections do not appear to me. I want to clarify that I did not open, make, or initiate any of the accounts or collections that you have included on my consumer credit report. Fraud and identity theft are the root causes of all the accounts and collections described above. I have attached the XXXX Federal Trade Commission 's Identity Theft Criminal Complaint # ( XXXX ) as evidence that all of the consumer credit accounts and collections indicated above are the outcome of fraud and identity theft.
Consumer complaint received 2024-10-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CT)

XXXX / XXXX reporting is inaccurate : My history the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report!

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

The only reason I found out about this error is because I applied for a mortgage and the mortgage lender said I had to wait another 1.5 years for the judgment to be 2 years old on credit. This inaccurate information has caused me to not get approved and possibly losing my {$4000.00} in earnest money. 

I applied for credit with the mortgage lender and they pulled factual data and then used LexisNexis Risk Solutions to check public data and judgments. The 3 credit bureaus no longer report judgments but LexisNexis does, this is how I was able to see it was on my record and reported incorrectly. 

I went to court in XX/XX/XXXX on a XXXX account that was charged off in XXXX. Before the 7 years was up, XXXX XXXX sold the account to XXXX XXXX XXXX and They got a local attorney to take me to court on an account they charged off meaning they wrote the debit off on taxes then collected for the debit they wrote off. 

When I went to court, I immediately agreed to settle the account for less than half of what was owed. The attorney XXXX XXXX should have immediately sent the release or satisfaction of judgment which would have been dated for XXXX but instead, according to the court house, they sent the release XXXX of XXXX. This caused the satisfied judgment to appear as it was satisfied in XXXX XXXX instead of XX/XX/XXXX. Mortgage lenders require judgments to be satisfied for 24 months which has caused me harm due to the miss reporting from all parties involved. 

Not only was the judgment released 5 years later by XXXX XXXX, but was reported inaccurately to LexisNexis on an unpaid creditor debit that was charged off 7-11 years ago.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX i was sent to claims for an unpaid balance of {$2100.00} for a storage unit in XXXX XXXX, CA. I did not rent it my landlord rented it, I closed the rental and returned the keys and I moved out of the country. I received a call from XXXX XXXX XXXX saying I owe for 2 months rent for a storage unit. I never rented it and how can I rent it if I am in another country, they never sent proof. I asked both TransUnion and XXXX to remove it from my credit report on XX/XX/XXXX and I filed a ID Theft report on XX/XX/XXXX. Neither have removed it and Transunion sent an update on XX/XX/XXXX that was not an update, only the original dispute paperwork, they just replied with the application.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (FL)

I've been participating in the dispute process with XXXX since 2019. XXXX has refused to remove the accounts after the investigations although the creditors have not provided proof that they have the legal right to collect from me, such as documentation bearing my signature. I requested a copy of my free Annual Credit Report. In XXXX I received a stall letter accusing me of using a credit repair company. XXXX refused to provide me a copy of the free XXXX Report. I've disputed the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. There's been several investigations, and XXXX has refused to properly investigate my disputes violating the FCRA Section 623. I'm requesting documentation bearing my signature indicating that the referenced creditors/debt collectors have the legal right to collect from me. XXXX  XXXX is in violation of the FDCPA by reporting the account payment history inaccurately which is defamation of character and a financial injury. According to XXXX, all of the accounts came back as verified. I'm requesting the method of verification. I would like to request the information on how the investigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. I would also like to request a copy of my updated credit report after the reinvestigation is complete.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America has let unknown and unauthorized charges continue for three years, until I caught the transactions. When trying to get statements Bank Of America is only allowing me to have 13 months of statements even though I have talked to fraud and these fraudulent charges have dated back to XX/XX/XXXX. Bank of America has yet to help solve this scam or money laundering and will not dispute any transactions from XX/XX/XXXX because they say they cant see back that far. These unknown draft payments vary from XXXX to XXXX dollars per transaction up to 3 times daily and or 3 to 6 times a month all going to XXXX. I have service with XXXX XXXX XXXX but I pay once a month and its supposed to be the same amount if not 10 higher for late fees. I have looked into my XXXX XXXX XXXX account and there are multiple changes in account as in primary holder, even though I only have one device and one plan. There are unknown devices that dont have phone number and unknown charges for a Access Card I never heard about. I tried to call XXXX XXXX XXXX to ask about the most current payment that was taken directly from my checking and why so many payments have been taken out and what for and I was put on hold and hung up on 3 times. All representatives with different names. Previously asking about bills which I call every month because it is always changing and I never know why. A representative said he doesnt see those transactions going to the XXXX XXXX XXXX company its self.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2021-01-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

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

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.