davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TN)

XXXX XXXX CAINE & WEINER XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Verification of Debt - XXXX Dear CAINE & WEINER, I am writing to request verification of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) ( Section 809 ( a ) ). Specifically, I request that you provide me with the following : XXXX. The amount of the debt ; XXXX. The name and address of the original creditor ; XXXX. The date of last payment ( if applicable ) ; XXXX. A statement indicating that the debt is valid and accurate ; XXXX. A signed verification or affidavit from the original creditor or an authorized representative, confirming the debt 's validity ; XXXX. Any and all contracts or agreements between us, including but not limited to : - The original contract or agreement ; - Any subsequent modifications or addendums ; - Any assignment or transfer agreements ; Please note that sending contracts and statements without a signed verification or affidavit is not sufficient to meet the legal requirements of verification. I require a separate, signed document specifically confirming the debt 's validity. 

If you can not verify the debt, you must : * Cease collection activities ( 15 U.S.C. 1692g ( b ) ( Section 809 ( b ) ) ) ; * Notify me that the debt is unverified ; and * If the debt is on a credit report, request that the credit reporting agency delete the debt ( 15 U.S.C. 1692g ( b ) ( Section 809 ( b ) ) ). 

Failure to verify the debt or attempting to collect an unverified debt may be a violation of the FDCPA, including but not limited to : * 15 U.S.C. 1692e ( 8 ) ( Section 807 ( 8 ) ) ( false or misleading representations ) ; * 15 U.S.C. 1692e ( 10 ) ( Section 807 ( 10 ) ) ( unfair or unconscionable means ) ; * 15 U.S.C. 1692f ( Section 808 ) ( harassment, oppression, or abuse ) ; * 15 U.S.C. 1692k ( Section 813 ) ( liability for damages, costs, and attorney 's fees ).

Please provide this verification and any contracts or agreements within 30 days from the date of this letter. If I do not receive verification, I will assume the debt is invalid and may take further action to protect my rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aldridge Pite, LLP (AK)

Clear Recon Corp initiated illegal nonjudicial Foreclosure against me on XX/XX/XXXX but Clear Recon Corp can not foreclose nonjudicially on a federally backed mortgage because its governed by federal law : XXXX XXXX Clear Recon Corp ( XXXX ) : A California appeals court ruled that Clear Recon Corp., as a foreclosure trustee, had no authority to conduct a nonjudicial foreclosure on a federally backed mortgage. The court found that the mortgage was governed by federal law, which preempted California 's nonjudicial foreclosure statute.
Consumer complaint received 2023-05-27
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: EQUIFAX, INC. (IL)

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, XXXX XXXX XXXX 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 2020-05-24
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. (NY)

I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BlockFi Inc ()

To whom it XXXX concern, I am a customer and user of BlockFi Inc. 

I had digital crypto currencies stored in the BlockFi Trading LLC. Digital " wallet '' which was marketed by the company as a way to, and I quote : " Easily safeguard and store your crypto.. ''. as stated on their website. 

In light of recent events ( paused withdrawals ) BlockFi have not yet processed my withdrawal for crypto currencies, initiated on the XXXX XXXX, which were stored in the wallet PRIOR to any announcements by BlockFi of company uncertainty and withdrawal pausing. XXXX balances were XXXX XXXX and XXXX LT ( Litecoin ) respectively. 

Under the terms of XXXX XXXX XXXX stated on this page XXXX XXXX XXXX. My funds ( valued at a market price of almost $ XXXX ) were maintained by XXXX XXXX XXXX acting on behalf of XXXX XXXX XXXX. 

These assets were supposed to be safeguarded and the terms also states that there was no transfer of ownership from myself to BlockFi while I used this XXXX ' service. 

I formally request that XXXX honour the asset withdrawal in my name and I request that these assets are not used to satisfy secured creditors in the even of bankruptcy filings.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

Experian, XXXX and XXXX are continuously inaccurately reporting my personal information monthly, and I request immediate correction. Please delete these names XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, my address is inaccurately listed as XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports. This information is not entirely accurate and must be deleted. Under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited to furnish any information relating to a consumer to a consumer reporting agency ( CRA ) if the person knows or has reasonable cause to believe that the information is inaccurate. These credit reporting agencies reporting of my information is a violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Furthermore, these CRAs do not have my consent to share my personal information with any individual or corporation, violating my right to privacy under 15 U.S. Code 1681b. I am providing accurate information regarding my name and address with my lease, utility bill, and driver 's license. I request that you correct my personal information as outlined above.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

Someone used my personal information to obtain a XXXX  XXXX credit card. XXXX  XXXX issued the credit card even though the application address did not match my name and address. The credit card was issued to someone in Illinois, I believe. I have never lived in that state. 
The debt is {$1400.00}. The credit card company turned the debt over to Midland Credit Management. Midland Credit Management is now pursuing collection from me.
Consumer complaint received 2023-06-20
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. (CO)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2020-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

A guy on XXXX saying he is selling XXXX  skins. I paid him XXXX  dollars. When he received the money he blocked me on XXXX and never gave me my skin. How can I get that money back it was my XXXX year old sons he is heart broken. His name on XXXX is XXXX XXXX XXXX XXXX @ XXXX and his so called pay pal name is XXXX XXXX.
Consumer complaint received 2022-07-14
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. (TN)

Good morning, My name is XXXX XXXX, Im submitting a complaint against XXXX, Equifax, and XXXX. I acquired my credit reports from annual credit report.com and I put in a dispute on a XXXX  XXXX on my report. I submitted my dispute to all 3 bureaus on XX/XX/2022 asking what method of verification did they use to verify my XXXX and no response after 45 days. After no response I called each bureau and explained to the representatives my concerns and I was told the method was verified through XXXX XXXX. On XX/XX/XXXX I sent a letter to each bureaus to delete the XXXX because I received a letter from XXXX XXXX stating that the XXXX was deleted because it wasnt verified. I received no response from XXXX and Equifax. XXXX said they verified it through XXXX XXXX which I dont understand how could they verify through XXXX XXXX if the XXXX dont exist on my report.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (TX)

Please remove these accounts off of my credit report, I did not authorize these accounts nor did I open them. I was XXXX  for 9 years and just recently was released XX/XX/XXXX therefore impossible for these accounts & inquiries to be mine. 

XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX {$430.00} XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX {$1800.00} XXXX XXXX  XXXX/XXXX/XXXX {$710.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX {$1800.00} XXXX/XXXX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX/XXXX/XXXX {$530.00} XXXX XXXX XXXX/XXXX/XXXX {$800.00} Inquiries XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-11-20
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. (CA)

I demand that the following account ( s ) /file ( s ) be deleted, all collection efforts cease and any information about this account ( s ) /file ( s ) sent to credit agencies/bureaus be removed immediately!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 61XXXX ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$1900.00} I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website.
Consumer complaint received 2020-05-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are 3 accounts I disputed and I received notification, after the required wait time, these account had been removed from my report : XX/XX/XXXX The XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX However, I go in and check my credit report and guess what, there these 2 accounts are is back on my report.
Consumer complaint received 2024-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (MO)

XXXX XXXX XXXX XXXX was originated with XXXX XXXX  and sold to Specialized Loan Servicing in XXXX. I have been making on time payments on my loan since origination and following the transfer. The original statement Principal with Specialized Loan Servicing on transfer was XX/XX/XXXXXXXX XXXX  {$37000.00}. XX/XX/XXXX was {$37000.00}. When I recently checked my balance in order to refinance the loan with a different institution, it was {$330000.00}. This amount was also reflected on my XX/XX/XXXX statement. I contacted the lender last Tuesday, XX/XX/XXXX, to inquire about the error on my account and was transferred to an escalation team. The person I spoke with assured me they were looking into it and I would be contacted within 48 hours with the resolution. I had not heard anything by today ( XX/XX/XXXX ), so I called back. This time, the customer service rep told me I could not be sent to an escalation team nor could I speak with a manager, and I would have to wait until XX/XX/XXXX for more information on the issue. In the meantime, the lender is reporting the wrong amount on my statement and more concerning, I'm worried it will show up on my credit report and that they may be calculating interest based on the wrong loan amount. The customer service rep was rude and refused to allow me to speak to anyone else at the bank.
Consumer complaint received 2023-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (DC)

Greetings, previous questions/responses do not apply to my situation so it is a proxy response for you to be aware. 

I have inquired solar panel installation for my house in DC in XX/XX/2023 from XXXX XXXX XXXX company ( XXXX ) who requested that my credit score is verified and the financing of the solar panels are secured by Mosaic Financing for XXXX installation. While XXXX XXXX ( XXXX ) did not make any progress and did not deliver on the project ( no plans, no follow-up ), after repetitive inquiries, I cancelled the request with XXXX on XX/XX/XXXX and informed Mosaic. 
Mosaic informed me that they have disbursed the loan to XXXX and that I have to start paying the loan back until XXXX cancels the project from their end. Meanwhile XXXX informs that it will take up to 60 days to cancel a project despite the fact that both XXXX and Mosaic had assured me that I could cancel " anytime '' during the design process. This is an agreed scheme between these two companies to scam consumers and I would like both companies to be investigated. 
XXXX Supervisor advised me on the phone at XXXX XXXX this morning that they will expedite the cancellation with Mosaic however I still would like to file this complaint for the following reasons : XXXX ) Mosaic can not disburse any loan to any company on my behalf without my consent XXXX ) Mosaic can not request loan repayment for a project that has not been implemented XXXX ) Mosaic can not finance customers without providing correct and proper information during the loan drafting process regarding their cancellation and disbursement practices. 
XXXX ) XXXX XXXX can not put customers through a detailed planning and financing process to do nothing XXXX ) XXXX XXXX can not take up to 60 days to cancel a project without justification XXXX ) XXXX XXXX should be transparent with their cancellation policy and inform customers properly during the design process. 

I have provided public reviews for both companies and will follow-up through local authorities as well. I would appreciate your soonest advice and action on this case that may harm other consumers who may not know their financial rights. 
Both XXXX XXXX and Mosaic Financing need to operate legally and ethically from now on. 

Thank you, XXXX XXXX
Consumer complaint received 2020-05-24
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: EQUIFAX, INC. (FL)

I sent a debt validation to equifax and the company reporting this debt. The company sent me a letter which I sent as proof, and Ive also attached. The company basically admitted they dont own the debt! And that there was another company with similar name who isnt licensed to collect the debt. Im requesting removal of this account. Equifax, along with this company hasnt followed up with me
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (GA)

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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : 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.

I want all accounts removed immediately!!!
Consumer complaint received 2020-05-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$390.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.
Consumer complaint received 2024-05-14
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This is a lot of lying about my benefits by bank of America employees and they tell me last few months that there is money on this card XXXX and XXXX including mailing me XXXX twice recently so there is money there so why are they concealing my benefits from me You must open up my card XXXX XXXX XXXX XXXX.