davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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. (FL)

Account Name : Credit Collection Servic Account # XXXX Balance : {$140.00} I am writing to file a formal complaint against XXXX, Equifax, and XXXX regarding inaccurate and unverified information on my credit report. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], it is imperative that the information reported by credit bureaus be accurate, verifiable, and fair. Additionally, I bring to your attention the relevant laws of the State of Florida, particularly the Consumer Collection Practices Act ( FCCPA ) [ XXXX XXXX XXXXXXXX ], which outlines stringent regulations concerning debt collection practices and the obligation of creditors to provide documentation verifying debts upon request. 

Despite numerous attempts and disputes, I have not received proper documentation or verification from either the debt collector or any of the aforementioned credit bureaus regarding the disputed account. This lack of verification is a blatant violation of my rights under both federal and state law. The inclusion of this inaccurate account on my credit report has had severe repercussions on my financial standing and has detrimentally impacted various aspects of my life, including but not limited to, my ability to secure favorable lending terms, obtain housing, and access other essential services. 

Therefore, I demand that the inaccurate account be promptly removed from my credit report in accordance with the FCRA and the FCCPA. Failure to rectify this matter expeditiously will compel me to pursue all available legal remedies to seek redress for the damages incurred as a result of the credit bureaus ' non-compliance with statutory requirements. 

I trust that you will treat this matter with the seriousness and urgency it warrants and take immediate action to rectify the inaccuracies on my credit report. I look forward to receiving confirmation of the removal of the disputed account immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MO)

Debt collection was placed on my account for {$1400.00} I saw in XXXX XXXX XXXX. from Diversified, I called them they mentioned it is orginated from XXXX XXXX. I never owner any thing to XXXX.
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

In 2020 during the pandemic Covid 19 I applied for a motivation after a divorce where I was awarded the property. Both Attorny advised me & my ex husband that he was not on the deed. They contacted the deeds office in our presence. My modification was approved after I successfully completed the trial payments. The repress of Shellpoint mortgage who handled the modification, continuously asked for additional documentation. The final and ONLY document that I was unable to provide was the stamped quit claim deed from the Recorder of Deeds office because ALL offices were closed to protect their employees from the deadly virus. Shellpoint Mortgage Servicing rescinded the approval and denied the modification. 

XXXX XXXX  did a modification in approximately 2006 and my ex husband refused to sign the closing documents. I suspect that they forged his signature on the closing documents. 

I appealed Shellpoint Mortgage decision and was still denied. I advised XXXX to motion the case into court because I felt discriminated. They did not do as I asked. I was informed by the attorney that filing a complaint may hinder me from getting my modification or my issues resolved. In turn, Shelllpoint transferred the mortgage to XXXX XXXX immediately after they denied the modification. XXXX XXXX spoke to me several times then denied to speak with me because I was represented by an attorney. XXXX has continuously denied my modification stating my income isnt adequate and I make more than I did previously. I am currently providing XXXX additional documentation and feel discriminated as they continue to deny me.
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MI)

I had a collections account go onto my credit for the amount of {$380.00}. The account states the original creditor is consumers energy. That date for the file is XX/XX/year>. I never had consumers energy for the year XXXX. The name of the collections agency is Online Information s. The collection account on my credit is fraud. I disputed this collections to all three credit bureaus.
Consumer complaint received 2024-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NE)

XX/XX/2024, I called Navient to request a application for the new Private Student Loan Forgiveness application under Borrower Defense Rules for XXXX XXXX XXXX. The XXXX looked up my loan and agreed that it qualifies for forgiveness. My public loans were already forgiven since the lawsuit was completed and is now case law. They are denying my application saying it does not qualify since its a private consolidation loan. The new agreement was that all loans under said companies in the lawsuit were to be forgiven. They are being withholding and vague and unhelpful.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (CT)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation (FL)

This is not my debt. I filed XXXX due to a divorce and this debt was cleared with the filing of XXXX. I have never received any prior information on this account not even sure if its mine at all. This could have been opened by my XXXX XXXX, please look into this situation and get the facts from aspire credit card. Thank you
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

This is not my debt. I filed XXXX due to a divorce and this debt was cleared with the filing of XXXX. I have never received any prior information on this account not even sure if its mine at all. This could have been opened by my XXXX XXXX, please look into this situation and get the facts from aspire credit card. Thank you
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CASHCALL, INC. (CA)

From my understanding cash call loans no longer exist. My loan is being serviced by XXXX XXXX that I know nothing about. I have been waiting on information from XXXX XXXX concerning my loan but as of yet I havent received any information.

Im just wanting to know where is cash? Call and are all their loans legitimate due to the lawsuit.
Consumer complaint received 2024-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Land Collections, Inc. (UT)

On XX/XX/XXXX I was contacted about an alleged XXXX debt. I requested information through email because they said they had sent me letters through the mail which I have not received. I have not recoveived the email with any of this information. The collection agency alleges that I owe {$440.00} dollars, from XXXX bills which were originally {$170.00} each, but they added interest to them. These bills are allegedly from XXXX doctor visits on the dates of XX/XX/XXXX and XX/XX/XXXX. However, I had medical insurance from XXXX, which should have covered both of these bills. The doctor office I visited was aware of my insurance and mustve not charged them for it, instead sending me to collections. The collections agency did not make me aware of the fact that I could dispute these charges, which were done by the mistake of the medical office for not charging my medical insurance at the time. I was not now, nor ever given the option to dispute these charges.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

XXXX XXXX XXXX is the debt buyer. A year ago I asked for proof that it was my debt. They could only send me the itemization of delinquent payments since XXXX. This is when they took over the account. I asked who was the original company that claimed the delinquency. They could only tell me HSBC Bank and the account number. I tried calling that bank to get information and they could not help me being that the so called debt was sold to XXXX XXXX XXXX. All my other accounts on my credit report I can see very easily when my payments were made and if late or not.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

XXXX notified me of a XXXX credit card application on XXXX, which I had never applied for. I want to dispute this inquiry. I already reported to XXXX, which advised me to call Equifax. Equifax asked me to complete this form and call them back in XXXX days. Thanks!
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: EQUIFAX, INC. (TN)

I declared bankruptcy on XX/XX/XXXX and I keep constantly having to dispute the inaccurate information Equifax is reporting regarding the loan. First, they were reporting missed payment and I disputed that. Then they put 150 days past due in the comments and I also disputed that. Now I this same account is showing closed with a balance of XXXX, missed payment as of XX/XX/XXXX, and a comment that states 120+ days late. 

This account is included in my bankruptcy. Also, I no longer have this vehicle. The vehicle was returned.
Consumer complaint received 2023-12-14
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. (FL)

I recently obtained my credit report on XX/XX/2023, and discovered unauthorized inquiries from the following entities : Experian - XXXX XXXX : Inquiry Date XX/XX/2023 XXXX - XXXX XXXX : Inquiry Date XX/XX/2023 XXXX - XXXX XXXX XXXX. : Inquiry Date XX/XX/2023 XXXX - XXXX XXXX : Inquiry Date XX/XX/2023 I did not initiate these inquiries and have no association with the mentioned banks. I promptly disputed these unauthorized inquiries with the credit reporting agencies and am in the process of placing a fraud alert on my credit reports. Your assistance in investigating this matter is crucial to address any potential identity theft or fraudulent activities.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed items, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NY)

On XX/XX/XXXX, I received notification from XXXX that my credit score had gone down considerably. When I signed into my XXXX  account- I saw there was a Collections Account from a Resort in XXXX - XXXX XXXX via Monterey Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX At this point I immediately put a freeze on my credit report through the 3 reporting agencies and filed 3 disputes with all 3 reporting agencies. The collections account via XXXX gave me the following details : Account Owner : Joint account Date Assigned : XX/XX/XXXX Creditor Classification : Financial Balance date : XX/XX/XXXX Balance Owed : {$3100.00} Original Creditor : XXXX XXXX Acccount Status : unpaid Status Date : XX/XX/XXXX I am in no way associated with or responsible for this debt. It is a fraudulent charge which is severely impacting my credit worthiness - my credit score already dipped to somewhere in the 500 range. Furthermore, I know there is no authorization, signature, or documentation that states my responsibility for this debt. Essentially, Monterey collections has XXXX proof that this debt belongs to me and have associated my name in an illegal way. I have never stayed at this resort or incurred charges at any such place. I am going to be taking all the necessary legal action to clear myself of these fraudulent charges of which has never been documented. I will next file a police report after submitting this complaint via the Consumer Financial Protection Bureau. I am looking to take legal action against Monterey Collections at all means necessary. Their practices in associating me with this fraudulent debt is illegal and I am not responsible for these charges/account.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have disputed and have requested to have XXXX XXXX XXXX XXXX  removed from my consumer reports with Exquifax, XXXX, and XXXX multiple times. I do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with 15 USC 1681 stating I never gave written content to furnish my information or obtain my information.

Furthermore, the reporting is reflects inaccurate reporting on account balances stating XXXX, XXXX, XXXX, and XXXX. 

Lastly, the account numbers do not match XXXX This is preventing my family and I from securing a residence. As a XXXX  year retired XXXX XXXX and a Service XXXX XXXX, inaccurate reporting of debt to consumer reporting agencies impacts credit worthiness and negative reports may cause financial distress for XXXX.
Consumer complaint received 2024-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (OH)

I checked my XXXX mortgage statement from Mr. Cooper and it was {$370.00} higher than what I normally pay. I normally pay {$1100.00}. My actual payment amount is {$1000.00}. The person I chatted with from Mr. Cooper said that my previous mortgage company, XXXX, should not have issued an escrow surplus check last XXXX for {$330.00}. I don't understand how I'm being punished for a mistake I didn't make. Mr. Cooper is not accepting my {$1100.00} mortgage payment until I pay an additional {$370.00}. This is XXXX. I tried to call XXXX, but couldn't get a live person because the loan is no longer theirs.