davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (NJ)

Caine & Weiner is claiming a debt that is not owed, to them nor any other person ( s ). Caine & Weiner is using false and misleading statements in an attempt to collect a debt in direct violation of 15 USC 1692e ( 2 ) ( 8 ), spcifically that XXXX is a creditor, as defined at 15 USC 1692a ( 4 ). Caine & Weiner has continuously and repeatedly attempted contact via the phone at inconvenient times and at my place of business in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ). Caine & Weiner has made contact and withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which constitutes harassing and abusive communication. Caine & Weiner has continuously reported information affecting my personal and financial reputation and health, specifically alleged debt without proof of a contractual agreement with consumer in direct violation of Federal Rule 1002 and UCC 3-104.Furthermore, I have no contract with Caine & Weiner and never have. Caine & Weiner inaccurate reporting of my personal information is putting me at significant risk of Identity Theft and Fraud.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (NC)

On XXXX i mailed a letter to XXXX asking for the validation of debt. The company did not provide the documentation. They were unable to produced said requirements within the allotted threshold, by federal law it is required to remove the account from my consumer report without prejudice. 

On XXXX i received a letter advising me that the tradelines and payment history will be updated and to allow up to 30 days for the credit bureau agencies to reflect the changes. However, I did not notice any changes. 

After, I did not notice any changes a mailed another debt validation letter and i did not receive any information from XXXX. Therefore, I called, and I was directed to contact XXXX management who stated it will be deleted and still no changes to the credit report. 

I agent for principal XXXX XXXX and affiant, have reason to believe and do so believe I the consumer, owe no such alleged debt.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

Dear CRAs Mgr ; For the last few months, I been trying to remove some negative unknown, former, previous old addresses from my credit but your organization has failed to comply with my request. 

The only name, address, social security number, and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. 

This is a big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Delete!!! 
XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX, MA XXXXDelete!!! 
XXXX XXXX XXXX XXXX XXXX, MA XXXX DELETE!!!!
Consumer complaint received 2022-02-19
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A. (PA)

The creditor XXXX has been reporting false and inaccurate information regarding old student loan debt to all three major credit bureaus. After filing initial claims against their reporting in XXXX, the creditor sent threatening letters stating that payment was due immediately or that I would be sued in court for the debt. When I disputed their claims again they sent a threatening letter demanding that I file a police report regarding my claims or to risk legal repercussions regarding the debt. More recently on XX/XX/XXXX after speaking to the creditors Loan Representatives to dispute their claims and requesting payment and billing information which was refused to me, the creditor is now furnishing even more false and inaccurate information with the three major credit bureaus intentionally to damage my credit standing. One agency as dropped my credit score XXXX points do to the negative/false inaccurate information. The accounts managed by this creditor is closed, but they have recently begun reporting the debts as open and with current missing payments. This reporting status means that the creditor is attempting to collect a debt in direct violation with the Department of Educations Pause on Student Loan collection, which covers defaulted student loans. This is also a violation of the stop collections protections given under the borrowers defense to repayment claim which was filed on this loans by XXXX. The accounts are also listed as charged off but theyre still carrying a balance. This creditor has also violated FCRA and FDCPA consumer protections in their reporting and attempts to collect on the alleged debts. I ask that XXXX be reprimanded for these actions and practices under applicable laws. I also request that this creditor remove all accounts/information regarding this inaccurate debt with all credit bureaus immediately.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has locked me out from accessing their credit reporting services on their web site. I have been locked out for over 15 years after Transunion claimed there was a fraudulent attempt to access my credit report. I can not use the Transunion web site to access my own credit report or manage freezes on my credit report. I have spoken to Transunion 's support team on several occasions, most recently on XX/XX/2021, and they offer no process to restore my access. They claim that " laws must change '' before they can restore access to my account. I'm trying to buy a house and I need to lift my credit report freeze in place at Transunion to qualify for a mortgage. Transunion only offers access to a cumbersome phone system for managing credit reports that has limited operating hours, or they ask for requests to be mailed to them. 

Transunion needs to provide a process for consumers to restore access to locked accounts.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (OH)

On XX/XX/2020 XXXX XXXX XXXX acquired a loan on a home from XXXX XXXX  and the loan was immediately sold off to a company called home point financial as I entered forbearance program as soon as I exit forbearance I am told if I make 3 payments on time in full they would reduce my mortgage payment in the same month I am exiting the forbearance program the loan was sold again to a company called freedom mortgage canceling the agreement to make payments on time to reduce my mortgage.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

ALLY FINANCIAL is reporting a paid charge off on my credit report which is inaccurate, account was paid on time and in full. 
- Closed 3 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$20000.00} Monthly payment On Time CO Charge off - Data Unavailable Additional info Responsibility Individual Terms 37 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I have never had an account with att and was not aware of a debt being owed until I tried to contact them to become customer, They then said I had a debt. We haggled and they were supposed to have deleted this debt. from my credit report, but it still shows on credit report as owed.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (DC)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX DOB  XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (GA)

I visited regions bank branch in XXXX at XXXX XXXX on XX/XX/2022 to open a checking account with them to take advantage of their offer to get XXXX dollars to open new account. After giving all the information my account got opened but I was being forced to sign w8 form which says do not fill if you are US person including resident alien. I am XXXXesident alien by substantial presence test, although I do not have green card .Without asking and equiring further, I was being told who I am and that I am not a resident alien, the debit was taken back and was asked to visit branch on Monday, which I did. I explained again to one of the staff that I am for tax purposes a US person and resident alien by substantial presence test, and I signed w9 form which is correct form. On XXXX I got a call from branch manager to tell me that they will close my account because I was not signing the w8. I again tried to explain that form itself says do not sign if you are US person including resident alien. All the staff was rude and their legal department was either not given full version of my argument or they also lack this knowledge that someone who has established substantial presence in state and lives works and pays taxes here is also a resident alien US person ( not citizen ). Staff was very rude and made me feel less appropriate somehow for not having a green card and that they were doing this for 20 years and they rejected my version of who I am, instead they were telling me who they thought I was. They closed my account and denied me opportunity to get the bonus which intact they mailed me.
Consumer complaint received 2024-03-19
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 am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (FL)

Dispute Results from XXXX  are wrong. File number : XXXX. 
Here is that settlement result : XXXX XXXX Reported on XX/XX/2016 {$620.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 

Dispute Reasons Accuracy : The payment history/rating is incorrect. 
This account is settled. 

This was a doctor visit to XXXX XXXX  XXXX/XXXX  ( XXXX  XXXX XXXX, a provider to XXXX  XXXX ). I even made several more visits to this facility over the years following this appointment. 
For some reason they were missing my XXXX information and billed me. XXXXI returned to the location and their portal had been updated already with my information t hat determined that I was covered by XXXX and the balance was resolved per the billing agent onsite. 

Thank you for your help with this.
Consumer complaint received 2021-07-30
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: LEXISNEXIS (OH)

I would like to update my credit file properly due to the fact someone had use my ID back in 2019. I see my name is still spelled wrong and there are SS # that are not mine as well as addresses that do not belong to me. 
Please delete/remove the following names : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
My current and only addresses is XXXX XXXX XXXX XXXX XXXX Please delete / remove the following unknown/ fraudulent addresses : 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 OHIO 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 LA XXXX XXXX My SS XXXX DOB XXXX please delete any other data or information that doesn't match.
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION (OH)

ON XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX WI XXXX Filed a lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Room 315 Case. A XXXX against me for a XXXX XXXX XXXX debt allegation of {$17.00}, XXXX. 

I requested a copy of the original contract from them and all statements showing how this debt transpired from the date of origin to now and they have failed to do so and continues to harass me through the mail and various fake telephone numbers.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX, XXXX GA XXXX and the correct address at that time was XXXX XXXX XXXX, XXXX GA XXXX. 

2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. The case number is XXXX.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX, XXXX GA XXXX and the correct address at that time was XXXX XXXX XXXX, XXXX GA XXXX. 
2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. The case number is XXXX.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )  your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract form of any accounts that you post on my credit report. 

I am requesting to see verifiable proof of the original consumer contract with my personal signature on record. I have listed below the accounts that are still on my credit report that are not my accounts, and need to be removed promptly. Under FCRA unverifiable accounts must be removed. I have NEVER had any accounts opened at XXXX XXXX. This has lowered my Credit 17 Points and this is NOT my debt. 

This was not my bill and there was no proof given that it is. I have send multiple certified letters and this still remains on my credit. Please delete this off my account if you can not verify physical records, this is affecting my credit, Account XXXX  XXXX  XXXX XXXX Ohio Not my Account/Remove
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

XX/XX/21 I asked them to verify that accounts belonged to me. XX/XX/21 I asked again. XX/XX/21 I sent a letter letting them know that they have not responded and or asking how they verified accounts they claimed had been verified. XX/XX/21 I sent another letter letting them know it's also one specific account that I showed proof that the collection agency can not validate the debt.
Consumer complaint received 2021-07-30
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: Elevate Recoveries, LLC (FL)

A {$500.00} collection account from Elevate Recoveries LLC showed up on my credit report out of nowhere. It says XXXX XXXX XXXX I keep track of all of my bills and receipts whether I have the money or not, and I dont have an invoice, bill or open balance from any person, business or healthcare provider for the amount of {$500.00} dollars. I havent had health insurance in a long time so I know that every appointment, prescription, service I get I need to pay for OR I go through the billing dept and always qualify for low income. Not sure why this company is reporting on me. All reports go to my lawyer and Ive brought this up when it first came up and also provided information. I tried getting removed through XXXX XXXX back then ( mistake apparently ) and nothing happened, they said no. Also, if this is a medical/healthcare provider invoice or bill, isnt it against HIPPA law to report this, especially as a collection account? I would hate if my medical records were put out in the public for financial gains. I would like this investigated and removed from my credit collection reports.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and the correct address at that time was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. 

2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. She also stated the incorrect information is displayed on several bankruptcy cases here are all the case numbers she provided to me that had the same identical incorrect information : XXXX, XXXX, XXXX, XXXX, XXXX. I have attached a copy of the petition given to me by the clerk office.