davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (SC)

XXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. 
Transaction history is not to be reported according to the consumer laws. 
The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. 
The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.
Consumer complaint received 2022-09-02
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 — Their investigation did not fix an error on your report
Company: Specialized Loan Servicing Holdings LLC (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (CA)

I had a credit card with Barclays with a XXXX limit. The account was passed due and was charged off. The account shows on my credit report as closed/charged off status and XXXX balance. 

XXXX XXXX purchased the account and they are reporting the balance as XXXX with an open date XX/XX/2020.
Consumer complaint received 2024-04-01
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. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-09-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 2022-08-29
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: EQUIFAX, INC. (AZ)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and correction of the erronneous information reported on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following erroneous Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items corrected as soon as possible : 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 DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MD)

I am having trouble communicating with my mortgage company. I was promised a response to my request for assistance yesterday XX/XX/2020. However, I am taken to a voicemail every time I call. My mortgage company 's attorneys have suggested that this is their game, that they are not serious about the process of loan modification. I just want them to tell me that this is true so we can explore other non-retention options like a short sale or a deed in lieu. Please review the emails I am forwarding to you. They contain valuable information regarding the present case. Selene Finance has a complete package and they are due for a decision regarding our loan modification.
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Good Day, I opened an auto loan with XXXX XXXX XXXX XXXX. The loan began on XXXX XX/XX/XXXX and was for XXXX term. Earlier this year, XXXX XXXX merged with Pentagon Federal ( PenFed ) Credit Union, and my loan was transferred to PenFed. 

We have been making our payments on time, and above the minimum monthly payment, and we received a letter in the mail on XXXX XX/XX/XXXX stating that our loan was in deferment and there was intent to repossess the vehicle. 

I reached out to PenFed and it was determined that while the loan was being transferred to PenFed, somebody entered an incorrect maturity date for the loan. The maturity date was entered for XXXX, XXXX. A XXXX term beginning in XXXX of XXXX should take the maturity date to XXXX, XXXX. 

I was assured it would be handled, but after a week of following up I have been informed by PenFed that they are unable to correct the issue on their end because " the gap between the current maturity date and the actual maturity date is too large '' and their system will not allow them to change it. I was then informed that they have a special representative working on the issue, but it could take some time to complete. 

I have a XXXX  XXXX that is currently in renewal and awaiting final adjudication. Having this on my record puts me at risk of losing my XXXX  XXXX and then my job. PenFed has admitted fault, I have a letter stating such. I need this cleared immediately so that I do not lose my security clearance, and so that my credit reputation is not damaged further. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2022-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (WI)

I have had student loans since 2000. It has been a struggle to pay them. My interest has racked up making it double what I initially owed. {$35000.00} loans are now {$70000.00}! Even during the pandemic XXXX calls constantly. They never allowed me to not make payments even though it was a federal mandate for all student loan borrowers. The debt is overwhelming and I don't agree with all of the fees they keep assessing on these loans. I'm not sure how to proceed with this or what to do. They are nasty to talk to.
Consumer complaint received 2021-05-10
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: Rocket Mortgage, LLC (MO)

I never gave Quicken Loans XXXX Rocket Mortgage XXXX authorization to run my credit. They ran my credit on XX/XX/2021. Nor did I give them authorization to fill out a refinance application.
Consumer complaint received 2022-09-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-19
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: MIDFIRST BANK (PA)

I have a mortgage showing on my XXXX credit file from XXXX XXXX. This mortgage was obtained in XX/XX/2002 by my mother. We both have the same name and I'm certain this is probably why her mortgage is was mistakenly placed on my report. The mortgage is not negatively affecting my report, however I am now trying to obtain a mortgage myself and this is causing a problem for me. When the home was purchased I was only XXXX old at the time which would make it impossible for my to obtain a mortgage, I was only in the XXXX grade. I have made attempts to have this removed so that I can start my home buying process but it has been a hassle. My mother and I do have the same name, however our social security numbers, age, and other things will verify that this mortgage DOES NOT belong to me and I am requesting that it is removed from my XXXX  report and any other report it may be reporting on.
Consumer complaint received 2022-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (KS)

National Credit Adjusters , LLC. has refused to verify a debt with speedy cash. I have asked for the original document 3 times now with my signature on it, the date, & amount owed as I have zero clue of where this debt came from. I have now disputed this 3 times. Also, it is XXXX XXXX XXXX supposedly. NCA has a history of questionable tactics that have resulted multi -million dollar lawsuits. I believe they have not changed.
Consumer complaint received 2019-11-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IN)

XXXX XXXX XXXX XXXX reported on XX/XX/XXXX on my credit report that I had 4 unpaid medical collections. After the auto accident, I set up a payment plan with all 4 amounts included. In XX/XX/XXXX or XX/XX/XXXX this debt was paid in full, no other payments have been deducted from my account and no other contact has been made with me from XXXX. But, on my credit report it shows unpaid and that it has never been paid at all. I contacted them several times, couldn't get an answer or a return call or email. I filed a dispute thru XXXX XXXX and they only removed 1 of the 4 amounts and are saying the others are accurate. This is the only bad mark on my credit and I need this to be removed as it has been paid in full. The medical bills were thru XXXX XXXX in XXXX IN.
Consumer complaint received 2022-09-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXXBalance : {$0.00}
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (VA)

I have over XXXX dollars in my account from cash app, due to that being where I get my funds deposited from my job as I work for XXXX. I was not notified before a lock was placed on my account, I got off of work at XXXX after working XXXX hours, just to not be able to access any funds on my account, Cash App refuses to release my funds to me as they refuse to provide an explanation as to why my funds are still not released after verification process has been done. Cash app does not have proper customer service hours in order to get a proper resolution, as I told them it is illegal to hold funds, they disregard my questions.
Consumer complaint received 2022-09-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00}
Consumer complaint received 2022-03-06
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: SYNCHRONY FINANCIAL (MA)

Pursuant to 15 usc 1681 ( a ) ( b ) You did not comply with any reasonable procedures to meet the needs of commerce. This report is not fair, nor equitable to me. My information was not Confidential proof of this is I have been receiving pre-qualification offers from different companies, and I have soft inquiries from companies I never agreed to do business with This information is not relevant, nor accurate and it was improperly used, and does not comply with this subchapter of the FCRA ( Fair Credit Reporting Act ) to remedy the injuries you have caused to me, and to save us both time and money in court I am demanding that you do the following : delete following accounts
Consumer complaint received 2021-02-15
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: CAINE & WEINER COMPANY, INC. (IL)

This is a new complaint filed on XXXX XXXX. 
This information is unresponsive to my demand. So I respectfully request you to remove this incorrect information from my Credit report. Also, I demanded proof I : XXXX XXXX owe You : Caine & Weiner Company, Inc XXXX. The information you provided was not proof I owe you any money. In fact, Caine & Weiner Company, Incs name was not present once in the ledger provided. Furthermore, Every step must be taken to assure the information reported is completely accurate
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MS)

I owed a debt to an original credit grantor, ( XXXX XXXX XXXX XXXX ) some how ( MCM ) midland credit management was brought in to collect the debt, we ( MCM and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to XXXX division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from XXXX mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my MCM account with no mention of the XXXX XXXX XXXX Bank account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.
Consumer complaint received 2022-09-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXXBalance : {$0.00}
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MO)

I don't owe anything to IC System with account number XXXX. They should have confirmed this from the Original Creditor XXXXXX/XX/XXXXXX/XX/XXXX since I have made my payment to them. Investigate this item thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX R XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$370.00} ; XXXX  XXXX Balance : {$630.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX XXXXXXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXXXXXX XXXX  XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.