davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX  XXXX  XXXX and XXXX  XXXX  XXXX  for code of ethics violations.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (IL)

I made a purchase on XX/XX/21 at a local restaurant. The charge that was taken from my prepaid visa card was more than the charge on my receipt. I submitted a dispute with the credit card company " Blackhawk Network '' on XX/XX/21 and emailed it to them with a copy of the dispute form, the receipt and a copy of the disputed charge from their website. I received a response stating that they were unable to find the account and asked for additional info from the card on XX/XX/21. On XX/XX/21 I received an email stating that the Dispute number XXXX was " resolved '' and that the " notes '' stated that there was a " NEW DISPUTE SN INBOX/SERVICE DISPUTE '' and showing a new case number XXXX. I have been tried 3 times to get an update on the dispute but have received no responses to my emails or calls.
Consumer complaint received 2018-12-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

I SUBMITTED APPLICATION FOR LOAN MODIFICATION ON XX/XX/2018 SINCE THEN XXXX XXXX   EXTENSION # XXXX REQUEST FOR MORE AND MORE DOCUMENTS THAT ARE DUPLICATES. I HAVE SENT LETTER OF EXPLANATION THAT MY WIFE NO LONGER WORKS FOR XXXX 'S AND SHE CONTINUES TO REQUEST FOR PAY STUBS FOR XXXX 'S SHE REQUESTED PROOF OF HARDSHIP EXPLAINED I HAD TO STOP WORKING SENT HER MY FINAL PAY STUBS LETTERS EXPLAINING THE CUT IN MY INCOME AND SHE CONTINUOUSLY WILL REQUEST THE SAME THING. FOR EXAMPLE TODAY I CONTACT THE LENDER FOR UPDATE THEY STATED MY REVIEW WAS CLOSED BECAUSE MY XXXX XXXX FORM IS EXPIRED TECHNICALLY IT DOES NOT EXPIRED TILL XX/XX/2018 IF ITS GOOD FOR 90 DAYS BECAUSE THE ORIGINAL ONE I SENT HER WAS DATED XX/XX/2018 ALSO REP I SPOKE TO MENTION SHE IS STILL ASKING FOR XXXX XXXX   STATEMENTS WHEN I SENT HER A LETTER OF EXPLANATION SENT HER 3 MONTHS OF STATEMENTS. 
I ATTACHED THE COVER-SHEETS AND ALL DOCUMENTS THAT HAVE BEEN SENT TO DOVENMUEHLE FROM WHEN THE PROCESS STARTED TODAY.
Consumer complaint received 2020-12-02
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)

I have made several attempts recently to have the balance updated on 2 charged off accounts ; XXXX Credit Card and XXXX XXXX XXXX. I have sent multiple disputes to all three credit bureaus XXXX, XXXX and Equifax. They have all stated that they investigated and updated my results. I dont believe that they have investigated because they would have found in the investigation that the balance on the charged off accounts with Target card services and XXXX XXXX XXXX should both be listed as {$0.00}. Both of these accounts have been sold to collection agencies. According to fair credit reporting practices, an account sold to a collection agency should not continue to report a balance owed. This is a direct violation of my rights under the FCRA.
Consumer complaint received 2023-04-04
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. (NJ)

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2021-06-09
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: EQUIFAX, INC. (MI)

On XXXX XXXX i sent letters to Equifax, XXXX, XXXX  stating pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report.
Consumer complaint received 2020-09-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC (TN)

I have been behind on my payday loan for more than 30 days along with a flex loan. Things happened such as car repairs, family emergencies and XXXX problems that made paying on time just impossible. I get letters to call this collection lady but she never returns my calls. I want to work something out but it's hard to do when they ignore you. Ive had good payment history with all my Bill 's till recently so this wasnt done on purpose. I've even tried to go in and pay on certain days and before the date arrives they run the checks and flex payment thru the bank. I've been charged XXXX in overdraft charges that could have been prevented if they had held up their side of the agreement.
Consumer complaint received 2020-12-02
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. (MD)

I spoke to XXXX from Experian. I had ask her to remove my soft inquiries. I was told from her that i had to give her all the names of the soft inquiries that. I had explain to her there were to many inquiries. I had let her know that i will call Consumer Financial Protection Bureau.
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

This all started when I attempted to transfer {$300.00} from my company issued Bank of America XXXX XXXX XXXX to my XXXX checking to cover {$96.00} worth of overdrafts and bills on XX/XX/XXXX. I went ahead and attempted to pay said bills thinking that the problem was resolved and my account was no longer overdrawn ... until I went into my mobile banking and discovered that one of the bills had incurred another overdraft and the others remained unpaid two weeks later. On XX/XX/XXXX, I attempted to get an account number or some way to pay the bills and was told by the representative that there was no way to access that information. In response, I asked to speak to someone higher up the chain or for a corporate number to see if there was any way to address the issue and only got the mantra of " I can't access that information. '' or " Your bank didn't allow the transfer. '' I have suffered significant damage to my credit as a result of the failures of both Bank of America and XXXX to notify me of the failed transfer in a timely manner. To further the issue, XXXX has disabled my access to online banking on or before today, XX/XX/XXXX, which is a huge issue as I am expecting funds to be deposited that are sufficient to cover all the damages incurred as a result of this mess but do not want to take action until I know they are available. Both companies have been named as I do not know for sure which one I should hold responsible and have had trouble with both in the past. Please, help me sort this out quickly as it could cause me the loss of utilities and a place to live. Files can be provided as needed or should be within company databases.
Consumer complaint received 2018-02-20
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: Experian Information Solutions Inc. (MS)

XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The below accounts are being reported in error : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - {$210.00} Account # : XXXX *XXXX ( Original Creditor : XXXX XXXX ) - {$1700.00} Account # : XXXX *XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - {$490.00} Account # : XXXX *XXXX XXXX ( Original Creditor : XXXX  XXXX GROUP ) - {$71.00} Account XXXX XXXX XXXX *XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX ) - {$920.00} Account # : XXXX XXXXI - {$1700.00} Account # : XXXX
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (AZ)

Navient continues to somehow reappear on my credit report showing that I owe them money after these accounts have been closed. These private student loans were opened 12 to 20 years ago, yet somehow Navient manages to continue to hit my credit report. Just today when I checked my credit, they say I owe them over {$200000.00} in private student loans that are 12 to 20 years old. This dropped my score by over 40 points. I continue to dispute this with the credit bureaus and it gets removed, then months to even a year later, Navient reappears again.
Consumer complaint received 2017-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (TX)

I have a recent XXXX loan ( XXXX/XXXX/XXXX ) agreement with US Bank on my vehicle. Before the first payment was due I paid $ XXXX of the $ XXXX principal then followed up with the first agreed payment $ XXXX by the due date in XXXX. 

When I logged in XXXX to make another payment, the online system showed I owed {$0.00} minimum payment, which makes sense due to my recent payment activities. I logged back in today and shows now I owe 2 months payment and they hit me with a late fee. Plus they updated the digital pdf statements showing I owed minimum payments. 

I have contacted them and am waiting to hear their response to the above. I am not happy with the business practice revealed by US Bank. I also reminded them that we still have a 72 month agreement in place to pay off this loan and so expecting after paying $ XXXX down to continue making the same monthly payments, would pay the loan off well under 72 month agreement. 

Respectfully, XXXX
Consumer complaint received 2021-08-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional XXXX They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

Lost high salaried job in XX/XX/XXXX ( recession ) and fell behind on mortgage payments financed with XXXX. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XX/XX/XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XX/XX/XXXX, we filed for deed in lieu of foreclosure with XXXX and were approved. We had since moved out of the property and turned over to XXXX. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the City of XXXX  XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to XXXX. I called XXXX and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from XXXX. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. XXXX failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00}
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (PA)

As of Today XXXX XXXX XXXX XXXX your company needs to delete these accounts below and if your company does not delete these accounts within 3 business days, I will seek legal action for up to {$3000.00}. Your company is committing aggravated identity theft, violating the metro 2 compliance and FCRA. 

Delete these accounts 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
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

This used to be " America 's most convenient bank ''. Not anymore. They blocked my access to my account online without any prior notice. They then said the only way to unblock it is via a text message. I am XXXX, like many folks my age, I rarely use text messages. Also, I have two phones and they would only send the access code/text message to my phone number ending in XXXX even though I was carrying my phone with the number ending in XXXX that day. Telling them this fell of deaf ears. So the next day I took my XXXX phone with me and called them again. This time their representative said they could only send the new code to the XXXX but not the XXXX number and she refused to give me the new code over the phone even though I answered all her security questions correctly. So the next day i took the XXXX phone with me specifically so i could get the texted code and the representative said she can only text it to the XXXX number. When I asked for a supervisor I was left on hold for a half hour waiting. Finally when I spoke to the supervisor I answered more security questions and she then assured me the account was unblocked. Then when I went back online the account wasn't unblocked and I had to go through the text message thing all over again. Then when I was finally able to access my account online, five minutes later it it bounced me out stating it was due to " inactivity '' even though there was no inactivity and I was in the process of scheduling a payment when I got bounced out. They need to hire competent tech people like they used to have.
Consumer complaint received 2021-04-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Massachusetts Educational Financing Authority (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. XXXX Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

To Whom It May Concern LVNVFUNDG XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-12-05
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ACS Education Services (FL)

This account is too old to be on my credit report. It has an open date of XX/XX/XXXX. It was closed and was transferred to another lender. My loans are all consolidated under one lender now. It is too old to be on my credit report. We are in XX/XX/XXXX! Almost in XX/XX/XXXX. It was removed from my reports in XX/XX/XXXX and now it is suddenly showing again. Why?