davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THIS IS IDENTITY THEFT MY SOCIAL PASSPORT AND BIRTH CERTIFICATE WAS STOLEN In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (NC)

I have been with CashApp for over a year and since XX/XX/2022, i have been trying to cash out money sent to me for XXXX. It is now XX/XX/2022 and i do not have my money. I have made several attempts to resolve this with there team and filed complaints and nothing has happend. They have ruined my families XXXX and now have cost me over {$3500.00} because of their negligence to hold on to my money to earn interest that is unlawful after i have been trying to cash it out and pay their fees like i do everytime!!
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have attempted to fix this issue multiple times. Equifax is violating my rights on multiple accounts by listing erroneous late payments on my account. Laws to include but not limited to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), 15 U.S. Code 1681e, 15 U.S. Code 1681a - Definitions ; rules of construction 2 ( A ) ( i ) and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Consumer complaint received 2023-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, after looking over my credit report I am upset. All these inquires where not permitted by me. Not only are they incorrect, by them reporting and being visable this is commiting aggravated identity theft. These are unathorized and were not verified by me. I have called the credit bureaus send over XXXX letters. Please remove these inquires.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I have tried to make a payment online to my mortgage company, XXXX XXXX. It's been rejected several times. I have called customer service 5 times yesterday and today. The first 2 representatives told me the issue was resolved and to give the system 30-45 minutes. It did not work. The 3rd representative said to wait till the next day, because their systems re-set every night and those rejections would fall off. I tried doing the payment again this morning, and it was rejected. The fourth call, I was told to find another way to make the payment. And the fifth time I filed a complaint with Chase. Please help as I have been paying my mortgage for the last 8 years with no issues. I will incur late fees if this is not resolved. And I have never been late.
Consumer complaint received 2023-12-16
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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
Consumer complaint received 2024-05-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I took out a NJCLASS loan in XXXX or XXXX ( I believe ) in the amount of {$4000.00}. Yes, the loan went into default after I started repayment. After a while, my state income tax started being withheld. The last time that occurred in XXXX, I thought it was an error. So, I contacted the NJ Higher Education Student Assistance Authority and I confronted them about the error. I wanted clarification on the amount of the loan, as well as a clear accounting of how much I still owed, and when they would stop seizing my refunds. 

While the representative did tell me the amount of the loan, she answered none of my other questions as she said she needed to research my case further. I NEVER received any follow-up.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am not liable for this debt with XXXX XXXX. I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES. They did not provide me with the original contract as I requested. This must be removed from my report.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (NE)

I have received from Citizens month after month a Mortage statement stating ... " You have one or more past due payment ''. This is false. I am using an auto draft, using their form to have my XXXX mortgage payment withdrawn from my checking account on the XXXX of the month with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I  am due for the XXXX XXXX regular mortgage payment and the payment is set for an auto drafting by Citizens on XX/XX/XXXX. The XXXX fell on a Saturday, so the due date was extended until XX/XX/XXXX, the next business day, a Monday. 

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 My loan is a conventional XXXXXXXX XXXX XXXX single family, owner occupied. For all I know Citizens is report every month that I am past due and they MAY be reporting to the three national credit reporting agencies that I am delinquent, which would have a major effect on my XXXX score. 

Citizens purchased my loan servicing right after the subject mortgage loan was originated in XXXXXXXX XXXX  I have called Citizens to complaint and get a nonsensical no sinical answer. I told them, that I would report them to the proper governmental authorities i I received one more Mortgage Statement stating that I was past due and demanding that I make a double the regular monthly payment. Citizens said their computer automatically generates the delinquent notice and I said that was not my problem to resolves and they needed to immediate bring the issue to attention of Citizen senior management and immediately fix the report delinquent problem. Further, if Citizens reports me to the national credit reporting agencies as delinquent I'll sue them and maybe start a Class Action case against Citizens and their senior officers.
Consumer complaint received 2023-12-16
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. (NY)

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.

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!

LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Crdeit Report! 

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

THERE IS A XXXX  XXXX BANKRUPTCY DISCHARGE APPEARING ON MY CREDIT REPORT I HAVE CONTACTED EQUIFAX AND XXXX AND XXXX CREDIT AGENCIE SEVERAL TIME TO HAVE THIS ITEM REMOVED, THEY WONT REMOVED IT PLUS EQUIFAX AND XXXX AND XXXX CANT PROVID ME PROOF OF THE INFROAMTION ALSO WHEN THEY SEND ME A COPY OF MY REPORT THEY SAY ON THE REPORT THEY GET THEY INFORMATION FROM XXXXXXXX XXXX XXXX AND I CONTACT XXXX XXXX AND THEY SENT ME A COPY OF MY REPORT FROM THERE SYSTEM AND IT DOES NOT SHOW NO XXXX  XXXX BANKRUPTCY AT ALL THEY SENT ME A LETTER ADVISING TO HAVE THE CREDIT AGENCIES TO REMOVED THE NEGATIVE INFROMATION.
Consumer complaint received 2023-12-15
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: EQUIFAX, INC. (IL)

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 2023-11-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (IL)

Served by law enforcement agent on XXXX  with a lawsuit claiming that a debt was owed to Midland Credit Management , INC And that I was being sued by Midland Credit Management INC by which, ive never done business with Midland Credit Management INC. This company has used threatening tatics and no business was conducted with said company.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

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 2016-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

My mortgage company foreclosed on my home while I was in the modification process. I received confirmation they received my paperwork for review and then I was foreclosed on 6 weeks later. I later found out that my mortgage company Nationstar purchased my home via a third party. I had planned on giving all the info to the courts on my status hearing date of XXXX/XXXX/2016 and when I got back into the country ( my mother was ill I was in the XXXX taking care of her since XXXX ). I found that my status conference had been cancelled. I also found out that my same mortgage company was involved in illegal insurance scams and as a matter of course I had a flood in my basement which my insurance ( given to me by my mortgage company ) refused to pay for mold damage of several thousand dollars, I in fact have yet to receive even any monies for the burst pipes and broken window that occurred when the water hit the window and broke it. Nationstar is a predatory lender and should be put out of commission.
Consumer complaint received 2024-06-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (WI)

This week, I received a call from XXXX XXXX XXXX. XXXX XXXX called me from a XXXX XXXX,XX/XX/XXXXnumber ( XXXX ) yesterday ( XX/XX/XXXX ) and left a voicemail that stated I had a claim attached to the last XXXX digits of my social security number. XXXX XXXX even spoke those last XXXX digits out loud in the voicemail. He continued to say that either me or my attorney should get back to him as soon as possible. 

I returned XXXX XXXX 's phone call this morning ( XX/XX/XXXX ) at XXXX. XXXX XXXX did not handle my phone call. Instead he connected to a man named XXXX XXXX with XXXX XXXX XXXX. XXXX XXXX indicated that I had an outstanding debt with Check-n-Go of {$2000.00}, and I abandoned my payments to this creditor. I asked him when the last payment was on the account. He couldn't tell me. He did tell me that it was last serviced on XX/XX/XXXX and that XXXX acquired their services to get payments on the debt. Since my identity has been stolen twice in 20 years, which I explained to XXXX XXXX, I needed him to send me a Validation of Debt letter within 5 days of our phone call to verify the original debt and original creditor, how I could get a hold of them, all of his business information, last dated payment on the debt, and how I can dispute the debt. Instead of agreeing to the letter being sent, XXXX XXXX proceeded to argue with me and told me a sheriff would be out to my house to serve me papers, and I would see them in court. He repeated this multiple times while I continued to explain he must send me a Validation of XXXX letter. 

Here are the important parts of this entire thing that deeply concern me : XXXX ) This company had my social security number - or at least part of it. AND XXXX ) I never had a payday advance with Check-n-Go -- -EVER. I have never used Check-n-Go in my life. 

This is a fraudulent debt. XXXX threatened me with legal proceedings, never agreed to send me any type of debt validation to show the debt as valid, and they have my social security number.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to you today in accordance with the provisions outlined in the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), which emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy.

In alignment with this right to privacy, as supported by 15 USC 6801, it is my prerogative to ensure that my private information is not shared. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) delineates that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. As such, it is imperative for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as specified in section 1681b.

Regrettably, my recent examination of my credit report has revealed instances where reasonable procedures may not be adequately maintained by XXXX, Equifax and XXXX. In adherence to the rights afforded by 12 CFR 1016.7, I am hereby exercising my right to opt out at this time. 

I kindly request the removal of the following accounts from my credit report : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Request : Please delete this account and any similar accounts from my credit report. 

XXXX Account Number : XXXX Request : Kindly remove this account from my credit report. 

XXXX XXXX Account Number : XXXX Request : Please delete this account from my credit report. 
XXXX XXXX Account Number : XXXX Request : Kindly remove this account from my credit report. 

XXXX Account Number : XXXX Request : Please eliminate this inaccurate information from my credit report. 
I appreciate your prompt attention to this matter and the timely removal of the specified accounts from my credit report.
Consumer complaint received 2023-12-14
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX