davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

The state of Maryland filed a tax lien on me in error. I received a lien release letter from Maryland dated XX/XX/XXXX. I also have two emails from Maryland dated XX/XX/XXXX and XX/XX/XXXX stating that the lien was in error, and that the lien had been withdrawn. I submitted this information online with the above documents attached to Equifax. On XX/XX/XXXX I received notification from Equifax that nothing has changed, and they refuse to remove the lien from my credit report. I called Equifax this morning and was told that once the lien has been recorded, it stays on my record for 7 years, whether it was released or not! I asked to speak to a manager and was told the same thing by her. The incorrect lien record is damaging my personal and business reputation. Please help me to remove it! Thank you!!
Consumer complaint received 2023-02-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT and UPDATE all information which can not be verified. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

A few months ago I discovered an account on my credit from I C Systems. I reached out to the company immediately because I had never heard from them before and the account according to my credit said it was for a veterinary bill- I don't own any pets. 

They removed the account but apparently they sold the account to a company called XXXX XXXX XXXX whom also placed the account on my credit without contacting me first. I sent them a letter as well and the unknown account came on my credit while I was in the middle of financing.
Consumer complaint received 2023-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

XXXX Florida has been paying the moprtgage directly to the mortgage company, reference XXXX ( HAF account ), XXXX XXXX XXXX GThe nortgage was sold by XXXX XXXX to Mr. Cooper effective XX/XX/2023. Mr Cooper account XXXX, Mr Cooper received payment in XXXX from HAF and creditied account for {$1700.00}. Since than, there has been two wire trasnfers made my HASF to Mr Cooper in the ampunt of {$1700.00} dated XX/XX/XXXX and XX/XX/2023. Mr Cooper has not applied those funds to my account. Mr Cooper has given me a contact in their company, XXXX, telephone XXXX. He has been polite, buit has offered zero assisitance except telling me this issues has been elevated to the HAF Florinda dept in Mr Cooper. They are calling me telling me I am past due. 

This issue needs to corrected ASAP, There are serious problems with that bank not applying my funds and In find this to be criminal if action not taken properly. 

Please help and advise if this not corrected, how can I file ctriminal and other charges. 

Thank You XXXX XXXX
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

NOTICE FOR REQUEST OF INFORMATION AND DELETION & NOTICE TO CEASE AND DESIST INTENT TO SUE PLAINTIFF : XXXX XXXX XXXX DEFENDANT : JEFFERSON CAPITAL SYSTEMS # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX RE : ALLEGED ORIGINAL CREDITOR XXXX XXXX XXXX XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$550.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX JEFFERSON CAPITAL SYSTEMS STOP XXXX THE FDCPA XXXX XXXX EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. 
SINCERELY, XXXX XXXX XXXX XXXX WITHOUT PREJUDICE
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANKMOBILE TECHNOLOGIES, INC (VA)

BMTX Executive Office refuses to verify the funds owed to me on my closed account. 

XXXX, XXXX XXXX XXXX XXXX XXXX there are Compliance violations led by one of your employees XXXX XXXX who sent a check that XXXX  banks can not validate the check # s do not match. BMTX must Pay my money back in full this week please call soon. 

Check numbers provided do not match XXXX XXXX Please to correct this matter today. Bank says this is unverified by Customers Bank. As of today I am owed {$2700.00} as well as {$560.00} for a Dispute claim they promised to send an overnight Cashier check to me XX/XX/XXXX. Banks says the check not not be validated and I am pregnant & need my money back this week. They refused to submit ACH or wire transfer & I can not speak to anybody from the executive office because Customer Service keeps hanging up on me. How am I going to get back my money is my desire to resolve and according to these emails from XXXX XXXX XXXX refuses to provide their banks contact information to validated the check. This employee XXXX XXXX has been reported for Compliance fraud because he did not allow me to transfer funds from my account before he closed it. This was a malicious and intentional act and blocking my phone number from calling Customer Care to clarify my complaint was discrimination and exploitation. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (MI)

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've had several XXXX XXXX attempts to open lines of credit. I have not attempted to open a credit card with this card company because I already have 2 accounts with them and I've received notices about my information being compromised in the XXXX XXXX breach I've tried to dispute these hard inquiries with no resolve. I have not tried to open more accounts this is absurd and it is ruining my credit score I have a goal to purchase a home these constant hard inquiries are hurting me and it doesn't make sense to keep making them with the same company I have an account with.
Consumer complaint received 2024-08-16
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. (AK)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

MOHELA Loan Service has stopped accepting all student loan payments. Last payments were in XXXX XXXX of 2024. Since then I have made payments every month that continue to be reversed. I have called hundreds of times waiting on hold for hours at a time and no one answers. I was able to speak with someone one time and all they stated was that my loan has not been paid. They did not speak to the payment history and payments being reversed and they hung up. My loan is now in collection and affecting my credit score. There is no way to make a payment. Here is the link to the company serving my loanhttps : //authenticate2.mohela.studentaid.gov/XXXX XXXX 

the Biden administration promised student loan forgives and then makes us pay. They then switch the loan provider and this is what happens. There are hundreds of people around the US going through this as.
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (GA)

XXXX is reporting a collection account as open. I requested a reinvestigation from the credit agency and was sent an email 24hrs later that my results were ready. I also requested a Debt contract and have not received it. I requested debt contract and debt validation from the collection company and they sent a refinance application that doesnt have my signature and my name is spelled incorrectly. The application states under the Military Lending Act they do not give loans to military members and I am XXXX XXXX. Experian has yet to delete hard inquiries off my credit that I did not authorize. These inquiries were all made on the same day and I didnt give permission. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The bank Bank Of America has been reporting incorrect information to the credit bureaus. I am in the process Of contacting a representative XXXX XXXX XXXX XXXX XXXX XXXX Bank of america. This complaint is relating to identity theft
Consumer complaint received 2023-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

On XXXX XXXX I contacted XXXX XXXX regarding an increase in my auto insurance coverage because I no longer had property insurance through XXXX  and effectively lost the discounts that I had been receiving. I learned that my property coverage in the amount of {$1800.00} was cancelled and my policy could not be reinstated, and new policy coverage would cost {$2900.00} due to rate increases in Texas. 
I contacted my mortgage company Loancare XXXX XXXX XXXX # XXXX ) to inform them that my property insurance hadn't been paid although I had been paying my mortgage in full every month to include my mortgage, taxes and insurance. My mortgage was transferred to Loancare/XXXX  in XX/XX/XXXX and my previous mortgage company escrowed my property insurance payments. The Loancare/XXXX  employee XXXX stated that there was a not on my account stating that an escrow account for insurance wasn't required. XXXX said that she was escalating my complaint and the error would be remedied and an escrow account would be setup by Friday, XX/XX/XXXX. 
I contacted Loancare/XXXX  on Friday, XX/XX/XXXX and was passed around to several employees, each not seeming to be aware of my issue and each were uninterested in helping me to resolve their error. After remaining on the phone with Loancare/XXXX for XXXX hours, I received a follow up email that my case had been escalated and assigned to a Case Manager and to allow additional time to research my concerns. My case id number is XXXX XXXX XXXX. 
This morning, I contacted XXXX XXXX again hoping to reestablish property insurance so that my home does not continue to be uninsured. During this phone call I learned that the rates have increased once again and the new premium is {$3600.00} which is 200 % increase in the amount that I was paying before Loancare/XXXX  failed to escrow and pay my property insurance. 

This error has placed an unfair financial burden on me and my family. This error increases my monthly mortgage payment by more than {$300.00}. I believe that it is unfair for me, as the consumer, to have to pay for the error of Loancare/XXXX employees . As a mortgage holder, I have paid my mortgage on time every month and trusted that my mortgage company appropriately escrowed and paid my property insurance and property taxes. I need assistance in working with my mortgage company and insurance company to resolve this issue without being penalized and placed in financial jeopardy for an error that I did not make.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-08
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: Nelnet, Inc. (TN)

I would like to begin this letter by thanking your company for the many years of great service I experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 



There was a period of time where the world was going through a hardship due to covid. I always tried to my best to get every payment to you on time but there was one payment that was received and reported as 30 days late back in XXXX, XXXX, XXXX of XXXX. Before that hard time and ever since I continued with my timely payments. 



These late payment is extremely damaging to me in a lot of ways, mainly it is hindering from accomplishing other financial goals and my chances to receive a qualification for a mortgage. 
I am asking you and your company for a goodwill request. I have maintained a good paying history with you, with just that one exception and I ask for you to please eliminate the late payment with the credit bureaus by filling out Universal Data Form and faxing it to the credit bureaus that you report to. 



I am pleading with you to honor my request, which would mean so much. Please take into consideration what a good customer I have been. 



Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 



Respectfully yours XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

On XX/XX/year>, I received another threatening letter from Jefferson Capital systems LLC, requesting my social security number, account numbers, claiming they want to correct the error they made and the threat I received that they will go after my credit if I don't pay. 
Please see my first complaint we did on XX/XX/year>, # XXXX and XXXX. 
Since last week, I worked with XXXX to remove the collection from my credit report after we found out that XXXX sold my information to Jefferson Capital Systems in XXXX. My account with XXXX had already been resolved months ago and paid in full. The fact that XXXX sold my information to a collector in XXXX after the account was resolved is outrageous. Our line of credit to our business is very important to keep us in business. 

I also called XXXX and they told me that my account is closed with no past due. This is a horrible way for a small business to feel validated and afraid to loss our credit.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has twice denied my claim for fraud. On XX/XX/year> I opened my XXXX computer to find all my emails were gone. I had been away for a month and was concerned. I used XXXX to find the number for XXXX Customer Care, XXXX, and called it. It was the first number that came up on XXXX. A man answered " XXXX Customer Care '' and I told him about the emails. He said he would take care of that but first told me I had been hacked and he was going to reverse all the charges that were made. I paniced. He had me download a screen sharing app which I have done hundreds of times with XXXX Customer Service and took control of my XXXX while I watched him do transactions that I had no idea he was doing. I finally realized I wasn't talking to an XXXX XXXX XXXX and hung up and deleted the screen sharing app but the damage was done. I immediately called Bank of America to stop my debit and credit card as they had hacked both accts using XXXX XXXX which I hadn't heard of or ever used before. I went to their office and filed a claim which has been denied twice. I am XXXX years old, retired with a credit rating of XXXX and on a fixed income. The scammers took {$1100.00} from my checking account and {$3400.00} from my credit card plus fees for transfering for a Total of {$4500.00}. See attached claim denials.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (FL)

My XXXX XXXX GM card and all GM card customers was purchased by Goldman Sachs, the new card was called a Marcus GM card. Starting mid XX/XX/XXXX  the database transitioning caused my monthly payment I had scheduled XXXX XXXX to fail to post on the XXXX. It took them 2 to 3 months for them to find the missed payment before I was notified and their database was not working. Late fees and interest on my new monthly statements were adding up and hrs on the phone to get a customer service. On XX/XX/XXXX, I called Marcus to request a payoff total, I was informed {$60.00}. I made that payment, on the phone, my balance should have been {$0.00}. Along comes another statement, the payment I made should have been, {$89.00}, more interest and a {$40.00} late fee, their customer service on XX/XX/XXXX, gave me the wrong payoff amount. The statement dates were, XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XXXX, I made another payment of, {$69.00}, I was informed that was the best way to avoid more fees and interest, also to dispute the {$40.00} and the {$0.00} interest. On statement dated, XXXX XXXX XXXX XXXX XXXX XXXX, there is a {$29.00} fee charge.