davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

For the last few months I've been sending letter to remove the charge-offs from my credit report. From my research these accounts have been filed on each of these companies 1099C and they are still reporting and asking me to pay this debt. Not only is it inaccurate and I've yet to receive any original documents to validate or verify this debt, I haven't received a response. Also, all they have done is take the information that I've provided for the credit bureaus to show the inaccuracies so that these accounts can be removed and update their information. This can't be legal. 

ACCOUNTS XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX date XX/XX/XXXX. Open date XX/XX/XXXX. Open date XXXX XXXX Amount {$11000.00}. Amount {$2400.00}. Amount {$9500.00} XXXX XXXX. XXXX  XXXX XXXX XXXX  Open date XX/XX/XXXX. Open date XX/XX/XXXX. Open date XX/XX/XXXX Amount {$590.00}. XXXX {$750.00}. Amount {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX Open date XX/XX/XXXX Open date XX/XX/XXXX. XX/XX/XXXX XXXX
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX0.00} / XX/XX/2021
Consumer complaint received 2019-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

I reviewed my credit report and noticed XXXX XXXX XXXX placed and account as an collection account, which does not belong to me. 

On XX/XX/XXXX & XX/XX/XXXX, I emailed XXXX XXXX and informed them of the frivilous account that has been reported to the credit reporting agencies. I requested deletion of the account effective immediately, which they have ignored. Since, I've placed a fraud alert to my credit file. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-04
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC. (MI)

This is my second complaint against the Company Navient ; I have seen their response and was forced to place a second complaint on the collections agency. I have just received an email from Navient and was told that my taxes may be deducted. If CFPB ( consumer financial protection Bureau ) did not have a section to file a complaint against any sort of company or enterprise or franchise then we as students may never recover from debt collectors. To educate oneself is to free their mind and being in debt is stressful for ; above average percentage of college students. Badgering and threatening a learner is not abiding. I am willing to pay a settlement that I can pay in which your company Navient has not given me the opportunity to do. {$80.00} every two pay periods should not be a difficult payment arrangement to agree with. I just want my loan paid off and my living expenses up to par. 

Humbly Written, XXXX XXXX Furthermore It is best to reach me via email at XXXX ; my work hours get in the way of phone time.
Consumer complaint received 2019-01-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I am currently in a Rate reduction plan but it is still too expensive and navient was unable to include all my loans in the plan. They are very confusing and made me say yes to this new rate reduction plan. I feel that they have misled me numerous times.

At one point a supervisor named XXXX XXXX stated if I submitted bank statement in XX/XX/2016 then my lifetime interest rate for all my loans would be 1 % this information was never told to me then specifically otherwise I would have tried to make that work. 

I wish Navient can be investigated further regarding my account
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my Experian profile and found a hard inquiry from a "non-account" holding creditor named XXXX XXXX and XXXX XXXX XXXX on XX/XX/2018.I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company.I wrote a letter to dispute the inquiry and requested proof from Experian & XXXX XXXX of authorization by me or delete from my Experian credit profile immediately! This hard inquiry is suppressing my credit score.I have attached images of the letter I sent XX/XX/2018
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: United PanAm Financial Corp. (GA)

I recently reviewed my XXXX  profile and found a hard inquiry from a "non-account" holding creditor named XXXX  XXXX  and XXXX XXXX XXXX on XX/XX/2018.
I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company.
I wrote a letter to dispute the inquiry and requested proof from XXXX  & XXXX XXXX  of authorization by me or delete from my XXXX  credit profile immediately! This hard inquiry is suppressing my credit score.
I have attached images of the letter I sent XX/XX/2018
Consumer complaint received 2023-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

I sent a wire transfer of {$930.00} from my XXXX account to my Cashapp account on XX/XX/2023 at XXXX XXXX. I did not know of the maximum 2 wire transfers a week rule, so this was the 3rd one and it was declined by Cashapp on XX/XX/2023 at XXXXXXXX XXXX Cashapp informed me that it actually declined the next day XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  and that within 48 hours it would be sent back to the bank the wire originated from. That would put it sent back no later than Friday XX/XX/XXXX at XXXXXXXX XXXX, it never showed up. I talked to my XXXXXXXX XXXX first and they verified it had not been sent yet late Friday afternoon. They told me to ask Cashapp for documentation showing they sent the wire back and Cashapp refuses to provide me with this documentation. I've talked to numerous " customer support agents '' and none have helped me a bit. They just give me the same regurgitated information saying it will be sent back in 48 hours, we are way past that now. Cashapp refuses to help me in this matter and that is why I am writing this complaint.
Consumer complaint received 2023-03-17
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. (CA)

Consider this as a follow-up to my complaint to remove these items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX Please remove the items above for they are erroneously placed or reported in my file
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

XXXX XXXX XXXX of XXXX XXXX, NY in collaboration with XXXX XXXX XXXX XXXX scammed me of XXXX. On XX/XX/2016 I purchased a XXXX XXXX I was told if I could put down a large down payment they could work out a good deal for me ( in which I would make monthly payments and at the end of the payment schedule the vehicle would the paid in full ; also XXXX itself would finance the vehicle. I put down XXXX which was suppose to cover the financing and part payment towards the vehicle. I and my daughter reviewed a contract which documented the above. I was given the buyers copy and other papers pertaining to the purchase in a folder upon leaving the dealership ( approximately ) 2hrs later. I made on time payments to XXXX totaling XXXX at which time I was expecting a clear title. I was then blindsided by XXXX XXXX XXXX XXXX as I was told I owed another XXXX. They told me I signed a contract with what is called a balloon. I and my daughter told them that I did not ; and the reason I gave them XXXX was not to such payment. My compliant was ignored ; the buyer copy given to me does not reflex the contract I agreed to sign. I have also since learned from my current broker the financing company ( under the contract that I didn't agree to sign ) was allowing the dealer to up sale the vehicle by almost XXXX repossessed my vehicle. I felt I had no choice as I was already XXXX in so I ask if I could work out something ; at least I would have something for all the monies I paid and they refused. They repossess my vehicle after I had paid XXXX for a vehicle that was valued at XXXX. Oh, I also since learned the car was suppose to have a window sticker and it didn't therefore I didn't realize even under the contract I agreed to sign I was not getting a good deal. I am a XXXX XXXX XXXX of XXXX yrs. I would have never expect a company like XXXX to rip me off. However I have now I know they are a scammers. XXXX account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX my Equifax score was XXXX. 
On XX/XX/XXXX my Equifax score was XXXX. A drop of 22 points. 

There were only 2 changes to my Equifax report : an improvement of {$2600.00} in my XXXX balance, and an improvement of {$400.00} in my XXXX XXXX balance. 

What happened?
Consumer complaint received 2019-01-04
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. (GA)

There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX  - XXXXXXXX - XXXXXXXX - Transunion and XXXXXXXX XXXX - XXXX and XXXX XXXX - TransunionThese accounts are a result of fraud.
Consumer complaint received 2023-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

I run an mobile clothing business and I used square as my merchant. On XX/XX/23 I had an customer place multiple orders totaling out to {$800.00}. The money was not available in my account but Ive processed multiple payments so I thought nothing of it. Hours later I get an email stating my account is under review and I need to provide documentation. Ok no big deal, provide the docs and then I waited for an response. Didnt receive one by the next day, so I called customer support and was told that all my documents and answers except one had been verified. The customer service representative told me call back at XXXX and it should be cleared. A couple hours later I received an email stating that my account is being closed. I immediately called customer support back and was told that they decided to close my account, but couldnt disclose the reasoning because its an program who runs the information and decides. I believe it was done in error because I havent broken the terms and conditions and there is nothing fraudulent going on. I talked to the customer to make sure it wasnt a chargeback or anything and the customer sent me screenshot of the money leaving his account. So square definitely has the money and are telling me they cant release it until XX/XX/XXXX. As a XXXX  XXXX  and a XXXX  XXXX  XXXX  this wait time is unbelievable. My square account has never had a chargeback, a fraudulent payment, has had transfers in and out multiple times. I dont understand how or why it was closed, and how they can hold legitimate money for three months. I also was told by a representative that I could refund the money back to customer and accept a different method, but the customer already has the items. That isnt financially safe for me.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AR)

I purchased a calling plan from XXXX XXXX of XXXX. They drafted money from my CashApp account. XXXX says that they did not see that there was a draft made on the account. They referred me to CashApp. I filed a dispute with CashApp to stop payment or get my money refunded to me. CashApp denied my request to get my money back. I wrote back to CashApp telling them that I disagreed with their assessment, and then they closed my account within minutes.
Consumer complaint received 2019-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

INTENT TO DRFRAUD US GOVERNMENT / INSURANCE FRAUD AND CONSUMER FRAUD SPECIFICALLY PMI FRAUD IN A RECENT CFPB REPLY NATIONSTAR/ MR COOPER STATED MY HOME IS AT 87 % LTV WHEN IT IS ACTUALLY 57 % LOAN TO VALUE ... I AM A XXXX THESE LIARS NEVER DID AN APPRAISAL SO I KNOW FOR A FACT THEY ARE GUILTY OF SYSTEMATIC INSURANCE FRAUD. ***EVEN IF IT IS JUST THIS ONE CASE ... I WANT THEM REFERRED TO THE FBI FOR PROSECUTION AND FINED FOR LYING TO THE CFPB ON THEIR OFFICIAL RESPONSE****
Consumer complaint received 2017-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

Received collection letter dated XXXX XXXX XXXX from XXXX XXXX XXXX XXXX about a debt for LVNV for {$14000.00} last XXXX digits on letter are XXXX. I do n't owe any money to LVNV I do n't know what this account is about it just popped up in my mailbox out of the blue. I did not apply to any accounts with LVNV.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (IL)

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights . 
15 U.S.C 1681 section 602 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 2020-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Skagit Bonded Collectors, LLC (WA)

Skagit Bonded Collectors of XXXX XXXX, WA is trying to collect a debt that was submitted my XXXX XXXX XXXX XXXX of XXXX, WA. The debt was allegedly accrued in XX/XX/XXXX. I filed Bankruptcy after that date and XXXX XXXX XXXX XXXX and Skagit Bonded Collectors were both notified by myself as well as the bankruptcy court of the proceeding. The matter seemed to have been dealt with and removed from my credit report. 

Once again XXXX XXXX and Skagit Bonded Collector 's have reared their ugly heads and turned this debt over for collections again with the knowledge that this debt has been written off in Bankruptcy. Once again, I have emailed both of them and followed up with a written correspondence and went as far to call someone at Skagit Bonded Collector 's, but the debt is clearly on my credit report again. This is illegal and both these companies know this. Maybe they are trying to cause problems knowing that with the COVID situation that I am unable to resolve this issue by going to court myself. 

I have in my posession a collection letter from XX/XX/XXXX trying to collect this debt on behalf of XXXX XXXX as well, I have a new letter from XX/XX/XXXX trying once again to collect this debt. 

Thank you for any assistance you are able to lend with this matter. 

XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX 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 to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IA)

They recieved proof of payment and are now asking for this again they also want proof of the payments made in house. They have not updated the statement and given the corrected statement showing the corrected balance removal of all interest as well as any late fees or false statements about money still owed On balance that was paid for which proof was previously submitted. I will be resubmitting the following documents
Consumer complaint received 2019-01-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

Ocwen Laon Servicing deleted all my XX/XX/2016 Payment history. 
My payments were {$360.00} dollars amount. 

There is an error on what the amount owed in arrears. OCWEN is stating I have over {$23000.00} in arrears but in actually is somewhere around {$12000.00}. 

I need my XX/XX/2016 statement updated, I ha e actually statements that reflect the mortgage payments. 

Ocwen recently returned my cashiers check of XXXX. 

After discovering this error, I like to request full cooperation from the company. I emailed both the relationship manager and ocwen but no one has returned my request I plan to file bankruptcy to resolve this matter to get this mortgage situation resolve
Consumer complaint received 2018-12-28
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION (AZ)

I have had my credit report damaged due to XXXX XXXX XXXX   mismanagement of this account that includes incorrect charges. Every time I call to deal with this problem, I am transferred around several times and then hung up on every time. I was then given a number that appears to be a SCAM number according to reports on the internet. I gave them my personal information and then hung up on. 

I believe this was a phishing number but I received this number from a XXXX XXXX representative. I would like to report this for further investigation. The number was XXXX. Please investigate!!! I am very concerned about the compromise of my personal information. 

Also, please reverse the late payment showing on my credit report because I did not ignore my account. I explained the information and gave my requests to the XXXX XXXX CSRs and they took my payments but my requests for a forbearance/deferment were repeatedly ignored. My requests to delete this debt from credit report were likewise ignored and no investigation was done. 

I would like any damage to my credit report to be corrected and an investigation into where my personal information went to as a result of XXXX XXXX. I also request all information regarding this alleged charge. 

Thank you.
Consumer complaint received 2019-01-04
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. (SC)

Equifax is reporting a chapter XXXX # bankruptcy on my credit report, I've sent them a letter from the courthouse where they say the information was stored and located at, and the court said that they don't have any record of this bankruptcy, and the court said that they did not verify this information with Equifax or any other 3rd parties, also Equifax sent me a letter saying they verified this information threw another 3rd party company called XXXX, I also have a copy of a letter from XXXX showing I've got a security Freeze on my XXXX credit report, so it's impossible for Equifax to verify this information from them, plus it's against the Law for them to report information from 3rd parties, unless they have singed documents with my signature on it, by law they must delete this item.The other 2 credit Bureaus noticed the mistake, and removed this item, only Equifax refuse to do the same.