davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (GA)

On XX/XX/XXXX I visited the XXXX. at XXXX XXXX in XXXX, XXXX for injuries sustained in an auto accident. I was not at fault and had to wait for the insurance companies to settle my claim. The outstanding physicians ( XXXX ) bill was {$790.00}. Collections attorney XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX obtained the debt, and I paid the negotiated total of {$550.00}. I have a ( XXXX ) receipt from XXXX XXXX XXXX stating that the account is paid in full and closed dated XX/XX/XXXX. On approximately XX/XX/XXXX I found that this debt was on my credit as a collections account by Cascade Capital Funding. I called and spoke with XXXX XXXX at XXXX XXXX XXXX in order to gain information as to why this happened and to get a digital copy of my receipt in order to send proof of payment. I sent an ( XXXX ) email to XXXX, the email address indicated by XXXX at XXXX XXXX XXXX. The collections account was removed from my credit. On XX/XX/XXXX I received a ( XXXX ) statement from Cascade Capital Funding indicating this debt was still owed. I took no action, as it was not on my credit. I received a call from XXXX at Cascade Capital Funding on XX/XX/XXXX and ( XXXX ) sent proof of payment to the email he provided, XXXX. On XX/XX/XXXX I received another ( XXXX ) letter from XXXX XXXX XXXX for the same debt. I took no further action at this time, as it was not reported to my credit. On XX/XX/XXXX I received a ( XXXX ) letter to pay the same debt by Cascade Capital Funding with the alternate name of XXXX XXXX XXXX. I took no action at this time, as it had not been reported to my credit yet. The debt appeared on my credit as a collection on approximately XX/XX/XXXX under the name of XXXX XXXX XXXX. It is currently on my report, and I am taking steps to dispute the debt with the credit bureaus. I am also filing complaints with the appropriate agencies. This harassment has impacted me both mentally and financially and I would like to resolve it. I have attached the documents indicated by XXXX. I have also included files named credit XXXX as proof of damages to my credit by this fraudulent debt.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

I had a merchant with different names change me up to XXXX filed a claim and got it and I called claim department to report again who spends so much money in the same Merchant and they keep taking money from my account last claim got Denied because my other claim was granted so if they keep taking my money and I file a claim they will Deny my cliam because of the same Merchant with different name taking my money I replaced my card and it keep going I lost count of how much money they took from me and Wells Fargo cant do nothing about it because I already filed a claim a while ago I need my money I opened Wells Fargo to save for my XXXX XXXX and now its gone I wish this could be resolved asp because I will be contacting a lawyer I have contact merchant and no email back theres nothing I can do
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I don't recall having a contractual relationship with this collection company. 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 2024-07-12
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: Resurgent Capital Services L.P. (CA)

I requested to dispute the account below I have know knowledge of nor did I authorize with the 3 credit credit bureaus. 

Upon the investigation XXXX determined that the unauthorized account would be resolved and removed from my credit report. 

XXXX XXXX XXXX are still reporting this on my credit which is preventing me from closing on my home loan. 

LVNV FUNDING LLC XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$7300.00} OPEN {$7300.00} XXXX $ XXXX {$7300.00} XXXX XXXX XXXX XXXX CXXXX XXXX History : XX/XX/XXXX ; XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER ; FACTORING COMPANY ; ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

My loan servicer is MOHELA and i was supposed to have my student loan reported as not late but reported as paid off in the amount of around {$30000.00} which is principle plus interest! The XXXX administration sent me a notification saying my student loans have been forgiven in full and no longer require a repayment but MOHELA will not remove this loan debt from my credit report please help me out!!!
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NJ)

Student loan was forgiven on XX/XX/year> through PSLF. All loans were XXXX XXXX, however it is still showing in my credit report that I have an outstanding balance of XXXX XXXX  Moehela says they are no longer handling this. I have no one to contact.
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (AL)

I called to close out my cerdit card account with XXXX XXXX XXXX  and they told me they closed these accounts. This was in XXXX of 2023, Offered to pay the remaining balance on the cards one was XXXX and some odd dollars and change and the other I owed XXXX and some odd dollars. As I was checking my app the amount remaining was steadily increasing so I called to find out why, they explained that my accounts were not closed in XX/XX/year> like I had asked they did not close them out until the end of XX/XX/year> in they then in turned charged me all kinds of fee and add ons that I never signed for when I asked them to email me a copy of the paper work I signed for those add ons they advised they could not do that. I offered them a settlement so it would not go on my cerdit as they were threatening to do and they told me no, when I mentioned I would get a lawyer if they put it on my cerdit they would not talk to me anymore and hung up on me. Now my balance on the accounts are XXXX for XXXX and almost XXXX for the other and the card limit is only XXXX on that one. The other that is XXXX is limited at XXXX. Needless to say this company put both accounts separately on my cerdit and knock me down from an almost XXXX cerdit score to a XXXX cerdit score by doing so.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (MD)

I recently went through a credit report dispute because there were XXXX Affirm accounts that I didn't open. XXXX of the accounts were deleted, but XXXX accounts remain. I'm not sure why XXXX accounts remain if all of them were because of identity fraud. I called XXXX again, and they're doing what they can to get the rest of the accounts off my credit report. So I'm just doing a XXXX  dispute for the XXXX remaining accounts to be deleted.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (OH)

I got notification that my Sofi checking account was placed in restricted mode and to call customer service for more information. When I called the bank they told me there was no information they could give me, no reason for the restriction, and my money in my account was not accessible to me. When asked how long it would be this way, they said they could not provide any information. That is just plain horrible and malicious behavior for a bank to hold someones funds who barely lives paycheck to paycheck. The funds in my account may not be much to them but to me every penny matters when you are trying to survive.
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (SC)

I am sending this request to dispute the inaccurate reporting of a XXXX account on my credit report. Upon reviewing my credit report, I found that XXXX is reporting the information correctly, while the Equifax and XXXX credit Bureaus is not. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (TX)

I have filed for backruptcy and informed the credtors to this fact and gave them the attorneys number. They have stated they do not have to contact the attorney and since the debt has been written off they do not fall under these rules and can keep contacting me.I have this issue with LVNV, XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX 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 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-11-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. Portfolio has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and XXXX XXXX  The Accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account is illegally publishing derogatory and inaccurate information on my consumer report.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (GA)

I have contacted XXXX and LCI on numerous occasions over the 4 months regarding public records that are not mine. Each time, they claim that they researched public records and verified it as accurate. I informed them that the XXXX XXXX of Georgia verified with me that they could not verified any public records in my name or SSN. And XXXX has refused to remove from my credit report. Under the FCRA act, LCI is a part of XXXX and is in violation my rights as a consumer. I want them to freeze access to my public records. In violations of my rights.

According to 15 USC 1681s-2, 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I TOOK A LOAN OUT IN XX/XX/XXXX WITH THIS COMPANY IN WHICH I INTENDED TO REPAY, BUT I WAS UNEMPLOYED SOON AFTER HAVING LOST EVERYTHING I OWN, BEING HOMELESS WITHOUT SUPPORT FINANCIALLY OR ANYTHING ALONG WITH BEING DENIED FOR UNEMPLOYMENT BENEFITS, I AM UNABLE TO OBTAIN EMPLOYMENT, A VEHICLE OR A HOME DUE TO HAVING THIS ON MY RECORDS. THEY HAVE DONE A GREAT JOB FORGIVING THE DEBT NOW I AM ASKING THIS DEBT TO BE REMOVED FROM ALL RECORDS BY XX/XX/XXXX OR I WILL SUE FOR {$25000.00}.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (CA)

Selene Finance LP, an unverified Loan Servicing company and XXXX XXXX XXXX acted fraudulently and deceptively in filing a Notice of Sale to auction our property on XX/XX/year> by falsely claiming that we are in default under a DEED OF TRUST and trampling a weaker party, the American consumers. Contrary to SFL and XXXX deceitful and phony claim, we scheduled automatic payments on time to a Bankruptcy Court appointed Trustee for over a year and never missed a single payment. Selene Finance accepted our last loan payment on XX/XX/year>. Any way the cat is skinned, we are absolutely not in default under a DEED OF TRUST.