davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-21
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. (NY)

This account is not mine and has been re opened with new information. It was previously reported closed and then reappeared with a different account number associated to my name and derogatory payment history and now open with a {$400.00} balance. This is completely wrong information and the company told me the account was closed and then minutes later over the phone found another account, that I was told I had to pay. Completely fraudulent company and are doing nothing to help me get this out of my name and off my credit bureaus immediately!
Consumer complaint received 2023-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (GA)

Loan taken out in my name in XXXX  that says I owe {$8400.00} from XXXX XXXX XXXX Ive never heard of and has been turned over to the debt collector Velocity Investments LLC has purchased. I feel all of this is identity theft
Consumer complaint received 2021-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I am currently paying my student loan and have been as a direct debit, but my payment is still going to principle AND INTEREST, where I understand the full amount of my payment should be paying down the PRINCIPLE only ... and this is not happening. 
I called twice and both parties said I will get a call back ... and no one ever did. All my payments we never late ... and since covid issue ... I continued to pay every month ... its not fair I'm being charged interest as many are NOT.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (FL)

On Numerous occasions I have sent letters to the credit reporting agencies asking that these debts be validated and to no avail my letters were ignored and updated on my credit report! I have asked the agencies and the debt collection agencies through written communication to either validate these debts and/or remove them from my credit report and they have not responded nor have they deleted these accounts from my credit reports! and they are as follows : XXXX XXXX XXXX for {$320.00} Reporting on XXXX ACCT # XXXX Merchants and Medical for {$320.00} reporting on XXXX ACCT # XXXX Lanier Collection Agency {$280.00} reporting on XXXX ACCT # XXXX XXXX XXXX XXXX {$1400.00} reporting on XXXX and XXXX ( XXXX has deleted this account from my credit report ) ACCT # XXXX XXXX XXXX XXXX {$640.00} Reporting on all three ACCT # XXXX AFTER DOING MY DUE DILIGENCE AND RESEARCH I FOUND THAT MERCHANTS AND MEDICAL AGENCY IS NOT LICENSED IN THE STATE OF FLORIDA TO ATTEMPT TO COLLECT A DEBT FROM ME NEITHER IS THE LANIER COLLECTION AGENCY AND XXXX XXXX XXXX LISCENSE IS EXPIRED! 
NONE OF THESE AGENCIES HAVE RE4SPONDED TO ME IN THE LAWFUL TIMEFRAME AND THEY HAVE NOT SENT ANY CORRESPONDENCE TO VALIDATE THAT THESE ACCOUNTS BELONG TO ME!
Consumer complaint received 2021-03-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Please see the Attachment.
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Winklevoss Exchange LLC (NY)

On XX/XX/2021, I initiated a wire transfer of {$30000.00} from my Gemini account to my externally linked XXXX XXXX account. It was noted by an automated message from Gemini that my funds would clear within one business day. Up to this date, XX/XX/2021, the transaction still has not cleared with my bank account nor has this been bounced back to my Gemini account. The money simply is shown as withdrawn.

I have attempted to reach Gemini multiple times on the following dates, but still have not heard back from an actual representative from the company. I have only received automated responses with little to no details. 

XXXX XXXX ( request through Customer Service website ) XXXX XXXX ( email to XXXX XXXX XXXX XXXX ( request through Customer Service website XXXX XXXX XXXX ( XXXX Gemini-support and Gemini XXXX XXXX XXXX XXXX XXXX email to XXXX ) -XXXX XXXX ( email to XXXX ) -XXXX XXXX ( request through Customer Service website ) -XXXX XXXXXXXX ( XXXX XXXX XXXX ) -XXXX XXXXXXXX ( email to XXXX ) I have reached out to my bank, XXXX XXXX multiple times and they have noted that they can not review the transaction on their end since nothing ever came through. I have yet to receive information from Gemini.
Consumer complaint received 2021-03-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association (TX)

Ive requested the original lease agreement as well as the renewals for all years, especially the year XXXX when the eviction took place. Ive only received an expired lease from CBSA, from the years XXXX to XXXX. 

On this documentation, they typed in my name, etched it out and wrote it in and misspelled my last name. ( page 1, item 1 of lease contract ) They also forged my name under occupants not signing lease. Indicating that Im not the lien holder. ( Page 1, item 2 of leasing contract. ) They placed my initials under initials of our representatives, which is for the property management to sign, not an occupant. ( Page 2, 3, 4 & 5 at the very bottom. ) They also forged my name again on the last page of the lease and social security number. They also failed to put a date in too. They not only forged my name but a sibling of mine as well. ( Page 6 of leasing document, bottom right of page. ) I am demanding that they produce non-tampered, original renewal leases, from ALL YEARS. Especially from the year XXXX, the year of the eviction and the eviction documentation. 

Theres no payment history from me in the year XXXX which further proves the inaccuracy. 

They have been producing fraudulent documentation to not only all credit reporting agencies, but to you as well. I am demanding that CFPB to actually LOOK at the documents instead of taking their word. Protect me not them.
Consumer complaint received 2023-10-09
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (NJ)

I am the Executrix of my father 's estate. He had a reverse mortgage. Loan was due at the time of his death. It went in foreclosure and XXXX sale was pending. I was able to reach out to a broker that handled these matters. XXXX reached out to bank with an interested party. House was a short sale and this occurred on XX/XX/XXXX. I have received the paperwork for the foreclosure dismissal, the HOA bill of sale from the closing PHH Mortgage, 1 Mortgage Way, XXXX XXXX, NJ XXXX ( XXXX XXXX ) represents the XXXX XXXX XXXX XXXX  XXXX XXXX. 
PHH Mortgage would call from time to time regarding the account during the past XXXX years. They would ask, " do I have any questions '', I would reply " no thank you I don't. '' The house sold and I continue to receive these phone calls, more often and post the short sale. Today makes number XXXX since the closing occurred. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Each phone call XXXX have advised them that check with Bank of New York XXXX XXXX XXXX The short sale occurred on XX/XX/XXXX and have the HOA document. Cease and Desist, Do Not call. 
XXXX agreed and still he called. XXXX is a new person that called me today. Called with attitude, I explained to him the same as to XXXX, cease and desist, do not call, the house was sold, and the bank was fully involved. PHH needs to reach out to the bank for details. XXXX stated there was a small balance. And refused to listen to what I previously stated... there is no balance bank settled, speak to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. He claimed he was going to check with the bank. I don't believed it since i have stated this now 5 times, but they continue to call. 
It is sad enough that my father passed at a time of Covid ( XX/XX/XXXX ) while recovering in a center that left him to be on his own during that time ( XXXX XXXX XXXX XXXX  XXXX, dba XXXX  at XXXX ) that I also had to deal with all the legal issues regarding the estate, working through a short sale to satisfy the loan, but this continues to occur not allowing me to heal from all the emotional trauma and stress. This continues to rip open a wound that is trying to heal. Can you help me?
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D&A Services, LLC (VA)

I paid the debt for XXXX XXXX XX/XX/2020 received a call this morning from XXXX a phone number registered in XXXX XXXX, VA to call XXXX regarding a complaint # XXXX. I called XXXX and this number is no longer in business. I called XXXX and was threatened with a law suit from Berkowitz & Associates XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
First he said he mailed a letter to my current address on XX/XX/XXXX. Then he said he mailed a letter to my old address from the XXXX 's. He said I will be sued in court. 
I called Berkowitz & Associates and they said they do not have a location at XXXX XXXX XXXX XXXX. I called XXXX XXXX credit card and they no longer have a credit card for me and it is showing as paid. The Supervisor said this is a scam and to report the caller. 
I have records of my paid receipt.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG HOLDINGS INC (FL)

XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX ( last reported XX/XX/2023 ) - Unpaid TEMPOE LLC collections {$510.00}, {$380.00} & {$620.00}. I have no knowledge of these debts and have attempted to dispute several time without a response from the collector or credit bureaus. I believe that the accounts are over XXXX XXXX XXXX as they have suddenly appeared on my credit report.
Consumer complaint received 2023-05-02
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. (FL)

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal Name : XXXX XXXX XXXX 2.My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of the addresses please delete these outdated addresses and update with one above. 
I demand my social security and date of birth be removed from being displayed on credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Sincerely XXXX XXXX XXXX
Consumer complaint received 2021-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. (NV)

I have attached plenty of images that prove who I am what I do and my soc sec number is XXXX Coinbase.com for a few years havent given me access to my funds. I understand it from their point of view, being a financial institution in our country, they need to understand not only my Nevada DL WHICH matches all the info on my acct, my bday address and name. I also contacted XXXX who I used back when to wire funds to coinbase when I did and have statements from XXXX for every month that I wired coinbase. I emailed support@coinbase.com a month ago then two weeks ago and Im being ignored. Can you do your jobs your only job. To protect a consumer.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE LATE PAYMENTS : 1 ) XXXX XXXXF 2/ XXXX XXXXXXXX 3 ) XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX CLOSED WITHOUT KNOWLEDGE )
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I filed for an Auto Loan and I came across discrepancies on my credit report and my credit score. According to the report, I have a total of 8 accounts on my credit file when I have a total of 6. Secondly, I have XXXX XXXX as a satisfied account for my credit and my balance is in good standings. Thirdly, XXXX XXXX should not have screened my credit multiple times when they initially had ran my information on file to share with there sister branches through XXXX. Furthermore, I contacted XXXX XXXX XXXX about my ambulance bill from XX/XX/2018. They have submitted a payment request last month on the XXXX of XXXX to my insurance and told me they will remove this off my credit once satisfied from pending claim. Lastly, my credit score shouldn't be so drastically different from all bureaus.
Consumer complaint received 2023-10-22
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: OneMain Finance Corporation (PA)

I am writing to formally notify you of the unauthorized ONEMAIN inquiry dated XX/XX/2022 that you have reported on my consumer profile. This inquiry, listed without my authorization, consent, or benefit, is a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681, 15 USC 1681a, 15 USC 1681b, and 15 USC 1681e ( b ). I DEMAND THAT IT BE DELETED IMMEDIATELY!

According to 15 USC 1681, the FCRA ensures fair and accurate credit reporting, protecting consumers ' rights and privacy. Specifically, 15 USC 1681a defines the term " consumer report '' and what information is excluded from a consumer report. I have not authorized or consented to this inquiry, and it does not fall within the lawful criteria for inclusion in my consumer report pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ). Your unauthorized inquiry violates this code by including information that does not comply with the accurate representation of my credit report.

Moreover, 15 USC 1681b highlights permissible purposes for consumer reports, emphasizing the necessity of consumer consent for any inquiries or reporting activities. As I have not authorized this inquiry. You have no written instructions from me to report this inquiry. Its presence in my consumer report is a clear violation of this section. 
Furthermore, 15 USC 1681e ( b ) outlines the responsibilities of consumer reporting agencies to ensure maximum accuracy in the information provided. By reporting an unauthorized inquiry, you have directly contradicted this mandate, leading to the inclusion of inaccurate information on my credit profile. 
Your actions have caused me undue distress. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. I demand that you immediately delete the unauthorized ONEMAIN inquiry from XX/XX/2022 that you have reported on my consumer profile!!! Failure to comply with this request within 10 business days from the date of this letter will be considered an admission of violating the FCRA and neglecting the obligation to rectify the inaccuracies on my credit report. 
I expect prompt action and resolution to this matter. Any further negligence in addressing this issue will result in legal action to ensure my rights under the FCRA are protected. I anticipate your immediate attention to this matter and a written confirmation of the removal of the unauthorized inquiry from my credit profile.
Consumer complaint received 2024-03-22
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. (NY)

I sent a letter last XX/XX/XXXX to delete these listed items in my credit file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again for you to review the negative items in my file. The items are listed below : 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 2023-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NY)

I got a notice from Cavalry portfolio Services , LLC XXXX XXXX XXXX XXXX Az XXXX. For a debt from XXXXXXXX XXXX. I never ever have any account of any kind with the said bank. I tried to call then to clarify but they insisted I should pay any way.
Consumer complaint received 2021-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I entered a covid forbearance in the spring of 2020. My mortgage is with Mr Cooper/Nationstar. I was able to maintain my payments until XXXX, XXXX, and XXXX of 2020. For those three months, I paid enough money to cover interest and escrow accounts. After that, I resumed making my regular payments. My forbearance was to end on the XXXX of XXXX. On the XXXX of XXXX, I called Mr Cooper and spoke with XXXX. I explained that as mine is a federally backed mortgage, I wanted to move the approximately {$4800.00} to the " back '' of my mortgage and continue with my regular payments. After a lengthy hold, she came back and said that was approved. A few weeks late, I received a statement requesting in excess of {$6000.00}. I askes for a breakdown of those funds. I'm still waiting. As you can see in the attached file, I usually make my payments 2 weeks early. When I attempted to make XXXX and XXXX payments in early XXXX, Mr Cooper would not accept them. I attempted to pay them via my wife 's checking account and they still won't take them. I called and attempted to make 3 payments. They wont accept them unless I pay {$12000.00} at one time. I have asked for a breakdown of these figures SEVERAL times with no success. The are happy however, to assist me in a refinance or a modification, neither of which are what I want
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I RECEIVED A LETTER FROM MIDLAND CREDIT MANAGEMENT ABOUT A CREDIT CARD THAT I DON'T HAVE ANY KNOWLEDGE OF AND SAYING THEY ARE CONSIDERING FORWARDING IT TO AN ATTORNEY. I'M ATTACHING MY CEASE AND ASSIST LETTER WITH THIS COMPLIANT.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (CA)

Sage Stream will not send me a copy of my consumer file.

I requested a copy of my consumer file via their website in XXXX of XXXX. They sent a letter that they needed additional address verification proof and I sent the documentation via certified mail on XX/XX/XXXX. I never received a response or a copy of my consumer file. 

I sent another request via their website on XX/XX/XXXX. I received a letter on XX/XX/XXXX asking for the same proof of address documentation as before. I attempted to fax per their instruction, but the fax number had a " line fail '' error code each time I tried to send. So, I sent the info via mail ( along with that same info for the request for a security freeze ) on XX/XX/XXXX. 

To date, I still have not received my consumer file. All of the requests/back up documents were submitted in the same envelope and the security freeze was placed on my file, so that confirms that they have received all of the information. Yet, they still have not sent me my file.
Consumer complaint received 2021-03-20
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: FC HoldCo LLC (MI)

My XXXX is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day. 
XX/XX/2020 2020