davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXXXXXX XXXX Balance : {$330.00} ; XXXXXXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX - XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2021-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

I request validation of the debt by CMRE Financial Services that reported on my credit report on XX/XX/21. Per the Fair Credit Report Act I have the right to require this debt be validated that it is mine or be removed from my credit report. I would like all documentation, EOB 's, statements and medical records sent proving the debt is mine to pay within 30 days or remove from my credit report.
Consumer complaint received 2022-09-27
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. (GA)

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the 3 Credit Bureaus. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

On XX/XX/2021 NATIONAL CREDIT SYST was removed my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.
Consumer complaint received 2021-12-10
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: GUARANTEED RATE INC. (CA)

On XX/XX/2021 my credit report and my wife were pulled without our consent and approval. I had filled out an application for a mortgage loan on XXXX the following day XXXX I had canceled the request for the mortgage loan. 10 days later after this request was acknowledged KBHS Home Loans pulled my credit and stated it was for use on another loan as my wife and I were listed as co-buyers.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

LexisNexis is reporting a case that I was dismissed I was found guilty on I did nothing wrong and the judge agreed with my after further looking into the case at hand. LexisNexis is not only reporting a dismissed case in which I've never been found guilty on the XXXX case. This dismissed XXXX case is being reported under the driving record section ; which is a major error within their reporting platform. The XXXX case SHOULD NOT BE UNDER THE " Motor Vehicle Records '' either. Reporting inaccurate information is a violation of the FCRA and I'll most definitely exercise my rights and sue LexisNexis for the max amount if this dismissed case is not deleted from my consumer report. By LexisNexis reporting misleading information under my driving record that shouldn't be under the " Motor Vehicle Records '' of my consumer report I will sue if these cases are not removed from my consumer report because they're being reported inaccurately, criminal cases should not show up under the " Motor Vehicle Records '' section unless the case pertains to anything that has to do with a motor vehicle but neither of these cases do. Therefore; making their claims a violation of the FCRA. I have attached LEXISNEXIS reporting error and also the court records of the case being dismissed.
Consumer complaint received 2021-12-10
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: National Credit Adjusters, LLC (TN)

NCA for XXXX XXXX keeps reporting a debt for me in the amount of {$2600.00} from XXXX XXXXXXXX XXXX. After speaking with someone some time ago, and them validating that the fraud account did not belong to me, the account was removed from my credit report. It has now reappeared. I have contacted the company again to dispute and inform them of account being removed and reported again and have not been able to get any results from them. I would like for them to remove from my report, as the account does not belong to me as they agreed too years ago.
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

on or before XXXX XXXX I SUBMITTED A LOSS MITIGATION SHORT SALE APPLICATION TO SPS SERVICING, AND WAS TOLD THEY DIDNT GET THE FAX SO I RESUBMITTED ANOTHER SHORT SALE APPLICATION ON XX/XX/2021 AND SPS REPLIED AND SAID IT WOULD TAKE 30DAYS TO REVIEW, SO WHILE I WAITED I WAS INFORMED OF A SALE DATE OF XX/XX/XXXX, XXXX I CALLED ONLY TO FIND OUT THAT MY APPLICATION WAS NEVER REVIEWED FOR THE SHORT SALE AND SPS WAS MOVING FORWARD WITH THE SALE DATE OF XXXX SO I HAD TO KEEP CALLING EVERYDAY UNTIL GOT SOMEONE TO LISTEN TO ME AND THE SALE WAS POSTPONED TO XXXX XXXX, BECAUSE I HAD SUBMITTED THE APPLICATION BEFORE THE SALE DATE WAS POSTED, NOW I`M REQUESTING THROUGH MY ATTORNEY THAT SHORT SALE SHOULD BE RESTARTED SINCE ITS ALREADY BEEN SUBMITTED WITH XXXX OFFERS FROM MY BROKER, BUT ONCE AGAIN SPS IS STALLING THE PROCESS AND TRYING TO FORECLOSE ON MY HOUSE
Consumer complaint received 2021-08-25
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: NATIONWIDE ACCEPTANCE LLC (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Nationwide CAC LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2022-09-27
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. (NC)

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 XXXX XXXX XXXX. 

XXXX BANK # XXXX, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX AUTO 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

In XXXX of 2020 my wife lost her job of 26 years due to a XXXX layoff. In XXXX of 2020, we requested a forbearance with our servicer, Shell Point Mortgage. Our loan was always under XXXX XXXX. We are now at the end of our forbearance, with our payment due this month ( XXXX ). We wanted to use the deferment option to put the {$26000.00} balance at the end of our loan. Today after speaking with our servicer, we learn on XX/XX/XXXX that our loan was sold to a different investor, XXXX XXXX XXXX XXXX. and is no longer affiliated with XXXX XXXX. We also learned due to the sale, we are NOT eligible for a deferment with Shell Point Mortgage. Shell Point told us that our investor will not allow deferments. You can only imagine how upset we are! Is there anyone that can assist us? Is this able to be overturned? We live here in California and had the most stringent lock downs during an extended Covid period. We are trying to see if we can get a modification but we don't know if we will qualify. Please help us.
Consumer complaint received 2024-05-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc. (FL)

Dear Sir/Madam, I am writing to bring to your attention an urgent matter regarding unauthorized debt collection activity by National Credit Systems INC ( NCS ) in the state of Florida.

It has come to my attention that NCS does not possess a valid license to collect debt in the state of Florida as required by law. Pursuant to Florida Statutes Chapter 559 Part VI and RULE 69V-180, any entity engaging in debt collection activities within the state must hold a valid license issued by the appropriate regulatory authority. 

Despite lacking the requisite licensing, NCS has continued its attempts to collect a debt from me for the last four years XX/XX/2020. This conduct is not only in violation of Florida law but also a breach of my rights as a consumer.

I demand that you immediately cease all reporting and collection efforts related to the debt in question. Furthermore, I expect you to thoroughly investigate the matter and ensure that NCS ceases its unauthorized activities. 

If I continue to receive communications or notices related to this unauthorized debt collection, I will have no choice but to pursue legal action against both NCS and your agency for their roles in this matter. 

As per Florida law, the licensing number of any entity engaged in debt collection activities must be provided to consumers. Therefore, I request that you verify and confirm the licensing status of NCS in the state of Florida. If NCS can not provide a valid license number, I urge you to take immediate action to rectify this situation.

Please provide written confirmation of the actions taken in response to this letter within 14 days or remove the report alleged debt from my credit report. Failure to comply will leave me with no option but to escalate this matter further legally. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cascade Capital, LLC (TX)

You have violated my rights as a consumer according to The Fair Debt Collection Practices Act ( FDCPA ) on multiple violations. 

Violation 1 and 2 : 15 USC 1692d ( 806 ) Harassment or abuse ( 2 ) You harassed me after I stated that the alleged " debt '' did not belong to me, via email. 
You harassed me after I stated that the alleged " debt '' did not belong to me, via phone. 

Violation 3 and 4 : 15 USC 1692c ( 805 ) Communication in connection with debt collection ( a ) I never gave the debt collector permission to communicate with me in connection with the collection of the alleged " debt '', as I have been harassed via email. 
I never gave the debt collector permission to communicate with me in connection with the collection of the alleged " debt '', as I have been harassed via phone. 

Violation 5 : 15 USC 1692c ( 805 ) Communication in connection with debt collection ( a ) ( 1 ) I informed the debt collector that it is NEVER a " good time '' to harass me about an alleged " debt ''. 


According to the FDCPA, you, Cascade Capital Funding LLC, assume liability to pay individual, remedies PER violation of {$1000.00}. 

Cease all alleged " debt '' collections following this communication. You do NOT have permission to contact me in regards to any alleged " debts ''. You have 3 days to remove any alleged " debts '' and respond only with violation remedies of {$5000.00} ( 15 USC 1692k ( 813 ). Civil Liability ( 2 ) ( A ) ).
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited inside of a Bank of America branch. During the deposit, I kept getting questioned, but I took it as conversation. I was told my find would be a check deposit of {$29000.00} released within four days.

My funds still havent been released, but I havent received any in-mail notice telling me the hold would take longer. Now its being held way longer than a standard hold with no reason for the delay being placed. Ive called their XXXX lines and been told that they can see a reason only that deposit takes between 1-7 days when my deposit is projected longer than 7 with no explanation. 

Ive called XXXX who issued the check, and they said to do an executive call with myself, BOA, and XXXX. The branch denied doing such a call. I waited for 2 hours before being helped. 

I believe I was racially profiled, and I think I'm someone who commits check fraudkiting as it states on the federalreserve.gov website. This check is a part of a settlement, and Ive already notified my attorney of the funds being held for an unknown reason. Upon further research Bank of America does this often with does give any reason to its consumers.
Consumer complaint received 2021-12-10
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. (SC)

I notified Equifax that a hard inquiry on my credit report on XXXX XX/XX/2021, by XXXX XXXX was fraudulent. There was also another inquiry to XXXX XXXX  on XXXX XX/XX/2021 that has been resolved. I contacted XXXX and they concurred it was fraudulent and an account was not opened. I put a fraud alert on my credit accounts, reported it to the Federal Trade Commission and after filing reports through them, received notice that Equifax will not remove it because they say it is a valid inquiry even though I did not authorize it. I have written to them twice with the same result. I want this hard inquiry removed from my credit report- it is fraudulent and I should not be penalized for someone else 's bad behavior. 

Please see the attached : >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2021 XXXX  XXXX XXXX
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (WA)

Target red card was notified of fraud on my account on XX/XX/XXXX, I told them that all of the charges for XXXX were in fact fraudulent. They mailed me out paperwork which I quickly turned around and mailed back in on XX/XX/XXXX. Even though I sent in the fraud paperwork showing that the entire balance is in fact fraud, they still charged me a finance charge on XX/XX/XXXX. I am worried they are going to attempt to charge me more finance charges. I have officially suspended payment on this account as of today XX/XX/XXXX, payment is due XX/XX/XXXX. They have not sent me any notice that they have received my paperwork even though the 30 day deadline is quickly approaching. I have tried calling Target Card Services and they keep bouncing me around from person to person without any resolution in sight.
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES (TX)

Zwicker & Associates, P.A. filed a lawsuit stating XXXX XXXX is the Plaintiff, with me being Defendant for a debt I do not owe. In XX/XX/2010 I paid XXXX in full, {$8000.00}, I have record from my credit union as well as a credit report with a reported XXXX  balance due. XXXX continued to report a balance and we disputed, then charging off/writing off their so called balance. This debt went to three other debt collection agencies and none of them could prove we owed debt either. Zwicker then purchased it.from one of the collection agencies. Many phone calls from this company that were threatening both to myself and my family. They then filed a lawsuit for a balance of {$1600.00}, we have asked numerous times for debt validation, explanation of why the balance is {$1600.00} and proof that XXXX still owns this debt after charging off on their books and writing off for profit and loss and receiving a tax break for it. Zwicker & Associates have been in direct violation of my rights both state and federal breaking numerous FDCPA laws with their bullying and unethical tactics.We are waiting for mediation in which Zwicke & Associates has cancelled twice, I'm assuming after reading my answer to suit which they wetre n't expecting.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

( XXXX ) INITIALS : 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 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern. The following addresses need to be removed from my credit report I do not live at the following locations. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL. XXXX.