davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

A company called Asset Acceptance contacted me about a very old ( 15+ years ) credit card debt from my XXXX  XXXX Credit Card . In 2005, XXXX took XXXX out of my checking account and I was under that impression that this money settled the debt. I just recently got rid of all of the old paperwork that I had concerning this debt. I am not sure what to do at this point and would like for this to be resolved and for this company to leave me alone.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (GA)

I have received emails from Halstead Financial Services, the latest dated today, XX/XX/year> about a debt that I do not owe to Halstead Financial Services on behalf of another third party collector XXXX, via an additional XXXX party collector. At this point I am FED UP with this nonsense and I am reaching out to the CFPB. I am not sure who these people are other than they are a XXXX party agencies. I do not have an original contract from or with them, nor anything ( statement ) that shows what was supposed to have been charged! I do not owe them anything! I am feeling harassment, that is illegal. I do not have an agreement with them nor do I know who they are. I am requesting a cease and desist from Halstead Financial Services and XXXX. Thank you!
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

Aidvantage is a nightmare. It always takes OVER AN HOUR to get through to a representative. Once you get someone, they are unhelpful, standoffish ( XXXX hung up on me ) and give you incorrect information about your loan. I've been trying to switch my repayment plan to SAVE for weeks now, I thought it was complete after speaking with a rep, then a week later I get another letter from them saying, you have to call us if you watch to switch your plan, so apparently the person on the phone that I had to wait an hour to speak with, did absolutely nothing.
Consumer complaint received 2024-05-20
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-20
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (MD)

I have been trying to refinance with Selene finance for a very long time. I had issues with them before too as we had documented in our previous complaint. XXXX XXXX ( Financial Advocate/ Loss Mitigation XXXX ) got involved has been working together along with the process since XXXX of XXXX. We have sent the refinance documents over and over almost every month as per their guidelines according to their customer service Representative and XXXX resolutions department. I was always told that they documents I sent was not received or was blank, but the same documents sent at the same time to self and XXXX was not blank, I always made sure I cc'ed XXXX XXXX XXXX I sent. So I started taking pictures and also scanning the documents and send them. We were also willing to put out some cash from pocket. We were also granted HOPE fonds for {$60000.00}. Then came up another problem as we were sending documents they denied and said was not by the guidelines. We asked them many times for the guidelines which was not provide to us for very long. We then managed to speak with XXXX as of XX/XX/XXXX and was able to send the % and the broken down amount referred by him. I did not receive the denial letter so we ( XXXX and XXXX ) called Selene finance and heard the automated voice which said that the loan modification was approved, but when we got hold of the Customer Service rep, we were informed that it was denied again. We have been sending emails back and forth during all the process with the XXXX resolution and customer services. We also spoke with XXXX on XX/XX/XXXX who informed us that the guidelines which we followed was wrong. It has been l a year and a half and amount also has piled up on the total amount that we have to refinance. I have attached the recent breakdown document after we have been pushing then for a very long time. It is still not clear one. If you need More documents please let me know.
Consumer complaint received 2015-03-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My loan was transferred to Nationstar mortgage from XXXX XXXX XXXX. When an escrow analysis was completed, I was notified I needed to have an additional months worth of cushion in my escrow account which increased my monthly mortgage payment. I tried contacting Nationstar to request the extra month be waved since my loan was a transfer and I had no choice in the matter, so I felt I should be able to keep the same cushion in my escrow account as my previous mortgage company. I attempted to contact customer service about 5 times and was disconnected before being able to speak to a person directly. I wrote an email to Nationstar through their email portal and received no response after about 2 weeks.
Consumer complaint received 2024-05-24
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: I.C. System, Inc. (MO)

Subject : Cease and Desist - Unauthorized Credit Reporting and Violation of XXXX and XXXX XXXX XXXX Dear I.C. SYSTEM, INC, I am reaching out to address a serious matter concerning the unauthorized reporting of information to my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX XXXX identity theft fraud laws. 

It has come to my attention that I.C. SYSTEM, INC has been engaging in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA unequivocally mandates that consumer consent is a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

Moreover, XXXX XXXX identity theft fraud laws reinforce the gravity of unauthorized access and misuse of personal information, further emphasizing the severity of the situation. 

I want to make it unequivocally clear that I have not granted consent for I.C. SYSTEM, INC to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights, potentially damaging my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, without hesitation, that I.C. SYSTEM, INC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX identity theft fraud laws. Failure to comply within the specified 30-day timeframe will be interpreted as willful noncompliance, subject to penalties under applicable laws. 

I want to stress that obtaining consent is not optional but a legal obligation under the FCRA and XXXX XXXX laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and damaging credit reporting practices. 

I expect your prompt attention to this matter and anticipate that I.C. SYSTEM, INC will promptly rectify these violations, respecting my rights under federal and XXXX XXXX laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

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.

The letters are stated with items and issues.

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 2024-05-24
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: I.C. System, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXXXXXX XXXX XXXX Dear I C SYSTEM, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes, Chapter 570.

It has unequivocally come to my attention that I C SYSTEM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Chapter 570 of the Missouri Revised Statutes, emphasizes the necessity of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with unwavering certainty that I have not provided consent for I C SYSTEM to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that I C SYSTEM immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that I C SYSTEM will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

Since XX/XX/XXXX, my employer has been sending $ 400 monthly to Edfinancial. However, Edfinancial has only cashed one check for XX/XX/XXXX, leaving {$3600.00} unaccounted for. My employer can not reissue the funds until Edfinancial returns the uncashed payments. Despite contacting Edfinancial on XX/XX/XXXX, they indicated that the missing checks are likely in a pile and will be credited eventually. When I asked to investigate further, I was denied, and my employer 's protocol states that checks should be returned after 90 days if uncashed. These funds have been missing since XX/XX/XXXX, resulting in unnecessary interest charges on my loan due to Edfinancial 's delayed resolution.
Consumer complaint received 2024-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I don't recall having a contractual relationship with this collection company I.C. SYSTEM, INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (FL)

On XX/XX/XXXX, I entered into a payment arrangement with Frontline Asset Strategies in order to settle credit card debt that was originally with XXXX XXXX XXXX XXXX XXXX. A copy of the payment arrangement is attached. In accordance with the payment arrangement, Frontline Asset Strategies was authorized and withdrew via XXXX from my checking account payments XXXX through XXXX on the attached payment arrangement. On XX/XX/XXXX, I received the attached email from XXXX XXXX XXXX reminding me that the final payment of {$350.00} was scheduled for XXXX on XX/XX/XXXX. On XX/XX/XXXX, I logged into my bank and noticed that the {$350.00} XXXX had not posted to my account. On that same day, I called XXXX XXXX XXXX to find out why the final payment was not drafted. I was informed that as of XX/XX/XXXX XXXX XXXX XXXX  merged with Radius Global Solutions, that my account was returned to XXXX XXXX XXXX XXXX XXXX for futher handling, and that Radius was not able to give me any further information. I attempted to contact XXXX XXXX XXXX XXXX XXXX to resolve but was unsuccessful in reaching them. On XX/XX/XXXX, I received a letter from Radius Global Solutions ( copy attached ) stating that they are now attempting to collect debt owed to XXXX XXXX XXXX XXXX XXXX, which is the same account in the payment arrangement I entered into with XXXX XXXX XXXX Radius Global Solutions is attempting to collect {$1700.00} from me for this debt. I do not understand why they misinformed me about the account being returned to XXXX XXXX XXXX XXXX XXXX, why the final payment of {$350.00} was not withdrawn in accordance with the agreement, and why the payment arrangement was not honored if the companies merged and the debt remained with XXXX XXXX XXXX XXXX XXXX . XXXX  clearly has a record of the XXXX payments that I made to XXXX since the amount of those payments is reflected on the communication they sent to me. I absolutely dispute owing {$1700.00} to XXXX. I will pay the final payment of {$350.00} as per the terms of the original payment arrangement entered into with XXXX XXXX XXXX to fully and finally resolve this debt.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NC)

I applied for XXXX XXXX credit card a few times, last of which was on XX/XX/XXXX. After I submitted my application, like the past few times, I was asked to upload my ID which I did. Like past few times the application was declined and the reason provided in an email was " Unable to verify identification information ''. I had contacted the phone line they provided in the email and the agent do not have any additional information to provide beyond the single sentence reason provided in the email, which doesn't make sense to begin with. 
I assume the system they have for ID verification is not a scam and works for the purpose of verifying IDs. If that's the case, then it is incomprehensible to me what is specific to my ID that they can not verify it, and they can not offer any alternative to whatever procedure they use for ID verification.
Consumer complaint received 2024-05-20
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. (AZ)

I am submitting this present complaint to follow up addressing the fraudulent items listed below that are currently appearing on my credit report, which is a violation of federal law. Again, I appreciate that some of these items have been removed from my credit file, but upon reviewing my updated credit report, I noticed that several fraudulent entries still persist. Under the provisions of the Fair Credit Reporting Act, specifically 15 USC sections 1681, it is mandated that the listed items in the ID Theft report be promptly removed within the legally stipulated timeframe. The continued reporting of inaccurate information is adversely impacting my credit standing. Below is a summary of the fraudulent items that are still present on my report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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. (GA)

On XX/XX/XXXX, I requested Transunion to update my personal information from my credit report. I never received a response. On XX/XX/XXXX, I requested them to also remove inaccurate items listed in my dispute letter that I requested to be deleted. Finally, on XX/XX/XXXX stating that I did not provide required documents to verify credit report. This information isn't correct. Attached is proof that a driver 's license, a social security card, and bill to verify proof of residence in which, are all required documents for verification. 

On XX/XX/XXXX, I filed a complaint with the CFPB about investigating the issue. In response on XX/XX/XXXX, Transunion once again stated that I didn't submit the required documents such as a driver 's license, socials card, and proof of residence. As a result, this is my sconed complaint filed on this matter.
Consumer complaint received 2022-12-03
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: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit Reporting act The Companies has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under am open end consumer credit plan as late fr purpose.

25