davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

On XX/XX/XXXX, my loan servicer was changed from the money source to Mr. Cooper and this complaint is against Nationstar Mortgage dba Mr. Cooper. XX/XX/XXXX is when my first payment was due and I promptly made a billpay payment on XX/XX/XXXX from my ally bank account to Mr. Cooper. The issue is amount is debited from my bank account but the payment is not being reflected on my mortgage account. I have provided Mr. Cooper with credit trace number of transaction, my bank account statement, bill pay account payee proof but they dont seem to care about all these and havent resolved my issue. I have even filed a dispute with my bank and they are also backup I guess and dont want to resolve the issue. I am at a loss of {$1700.00} because of this and I want you to intervene and resolve the matter for me. I read online and I learnt that mortgage companies are notorious in not reflecting correct payments especially after new servicer takes over. This needs to stop.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is at least the Second time trying to submit this request/ complaint. I understand that I did not provide enough data for you to update. I stand firm that I do Not have a printer thus this avenue of  uploading documents through CFPB is my only option, it is irritating that TU 's remedy is to have me print identifying documents and mail them..or that your response will be generic in nature. How about addressing your standards to reflect other option? Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address - XXXX XXXX ( No other utilities are in my name and rental insurance or lease seem to work ; I am uploading one of those anyhow ) Please update this address. I no longer live in the XXXX apartment rental ( however, I have uploaded the water bill to prove that was my previous address ). I am providing my XXXX DL ( but it does not have a current address. I do not have a vehicle and will not be getting a new DL ). I have provided another Gov IDs. I have also provided my most current credit report ( TU may have send an updated - but with moving I do not have it yet ). Finally, and a bit off subject, but I would never intentionally work with you, TU unless I have to thus this is the predicament. I know you have nothing to do with this issue but I find it frustrating that there are 4 bureau 's and consumer agencies and nothing is consistent. In my opinion, there only needs to be 1 of you. I will keep up with this request across the board and hope that you will make this easier.
Consumer complaint received 2021-02-08
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. (FL)

I contacted this company on XX/XX/2021. Once again. I tried disputing this and it was not successful in addition, i found some inquiries on my credit report and it was unauthorized. I have reported this plenty of times and they have not removed it. On XXXX XXXX i found badcock furniture place, XXXX XXXX XXXX XXXX, and XXXX XXXX as a hard inquiry. As well as everytime i call to dispute this. it is always an issue. Wheareas the other credit bureaus have removed this fraudulent activity. Im getting tired of this company and a resolution needs to be made. I was told some documents that is needed to verify my identify and they have refused to upload this information.
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-07-08
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: Experian Information Solutions Inc. (CA)

I have been having problems with a XXXX XXXX open without my consent. In XXXX store a Lady claim to enrolled me on a club membership for XXXX XXXX and asked for all my info to get 10 % off. Regardless of what happen, refused to get a payment and said I is complementary for your application today. I still paid the bill send to me later. I paid {$19.00} for a XXXX dollar item. even do I paid the bank they gain their credit cards XXXXXXXX XXXX has attempted to get over {$500.00} dollars from me for their abuse. I reported them to the credit bureau and they fail to give a solution to the situation. till now they have been lying on my credit report and harassing me for no reason giving bad feedback about me even do I paid. 

their persuasive agents become personal, aggressive and attempt to induce you to pay more and more every time their abusive customer service personnel become very personal agressive and inducing when I call claiming random reasons as to why I should give them more money every time. 

I need help.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has terminated our credit card merchant services because of an error they made. The error involved Wells Fargo divulging information to an unknown party over the phone. Wells Fargo assumed the caller was from our company but failed to ask for a verbal password. This resulted in the unknown caller being able to hack into our accounts and apply fraudulent charges. These charges amounted to over XXXX XXXX XXXX dollars. As a result, Wells Fargo terminated our merchant services and we are unable to process credits cards which is a mainstay of our business. This began last XX/XX/2020 and Wells Fargo has yet to rectify and reactivate our credit card merchant services. We have been working with them since this began and they are being of no help what's so ever. The biggest problem is they have placed us on the TMF list and we can not obtain services from anyone. The active complaint number is XXXX. They are now stonewalling us and will not even return a phone call.
Consumer complaint received 2021-05-19
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. (OH)

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section XXXX, subsection ( XXXX ) XXXX  D ). The Following Accounts listed below : -ACCEPTANCE NOW # XXXX -XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -DRS # XXXX -I C XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX  # XXXX
Consumer complaint received 2023-03-28
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. (TX)

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 U.S.C 1681.

US DEPT OF ED/XXXX # XXXX, US DEPT OF EDXXXX 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 has violated my rights under 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instruction.

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 2021-05-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The department of education has breached the contract I had with them. XXXX gained access to my personal information. XXXX has presented itself as a government agency. XXXX is still violating the Fair Credit Reporting Act, Fair Debt Collection Practices Act, discloser and privacy laws enacted by congress, along with laws and provisions as addressed in my federal complaint. I have never had a contract with or entered into a payment agreement with XXXX. Their dispute is with the federal agency who they entered into a contract with.
Consumer complaint received 2021-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

When student loans went into deferral, I was not aware that my Nelnet loans were not part of that. They had my contact information, but none of their deliquent notices got to me, nor did they try to contact me by phone. I have never been deliquent, but now am showing six months deliquent, and they dropped my credit score from almost 800 to XXXX. The person on the phone told me it was my responsibility to know what type of loan I have, even though I've been paying on it for the past who knows how many years. Being a public health nurse who has been working on a pandemic for the past year, that was not my priority. 
Nelnet does not operate in good faith. I can pay my bills. What about people that can't? I'm turning XXXX years old this year, and was planning retirement, and moving back to my family, and now I can't because of this. 
I tried to bring my account to date today, but I can't because I'm on vacation and don't have a checkbook, and they won't take my credit card, only my debit card. I'm not doing that, sorry. They will get paid when I get back to California.
Consumer complaint received 2021-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

As per credit report, GLA collection had sent debt of {$1500.00} on behalf of XXXX XXXX XXXX where I never gone for service. in my recent history, on XX/XX/2018 I had XXXX  in XXXX XXXX XXXX, that was in network, after my insurance company approval. All payments from the insurance and my part were settled. I don't know the company the so called a creditor to me, XXXX XXXX XXXX. There should be my consent to the company service and credit.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (PA)

Afni , Inc. has been attempting to take actions against me in the amount of {$2000.00}. It is showing on my credit report that the account was opened XX/XX/22. 

The original account was opened with my card by someone else, against my consent, and they signed their signature to open up multiple lines with sprint, but used my debit card to pay at the time of opening the account. 

I tried to inform the original creditor, XXXX, of this and they refused to close the account, even after the same person who opened the accounts without my consent, stole the phones and hijacked the account. XXXX would not allow me to close the account or remove any of the phones from the line. 

I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I also asked for proof of the original contract and the name listed, as it was signed by someone else and I have not been provided with competent evidence that I have any legal obligation to pay Afni , Inc .
Consumer complaint received 2023-01-12
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. (GA)

In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 convergent account # XXXX Has violated my rights 15 USC 1681section 602 A,. States I have the right to privacy 15 USC 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( I ) 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 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (WA)

My husband opened this Discover credit account using my information without my consent.He has done this with 3 separate XXXX accounts and a XXXX 's account and is currently under investigation by the US Fraud Department. I do not deny that I knew this account existed. However, I was told that I was an authorized user on my husband 's Discover account when given the cards in XXXX. The card was managed and paid by my husband since XXXX until XXXX of XXXX when we separated and he stopped making the payments, stating that the above named accounts were in my name and would not affect his credit if the payments were not made. I made 3 payments so it would not affect my credit and realized I had rights to dispute this account so I started that process by disputing this account several times as fraud and identity theft. Discover has only provided vague letters stating their investigation was complete and the debt was mine. They would rebill the account to me. I was advised to take further action and file an FTC report and police report which I did. I also made requests for information relating to my account under the Fair Credit Reporting Act several times and this information has not been provided to verify the debt that Discover is deeming as my responsibility.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Control Service, for committing identity theft. I have never given Credit Control Service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Credit Control Service and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving Credit Control Service any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Credit Control Service, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Credit Control Service, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Control Service, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Control Service, continues its collection efforts, I will file for litigation for actual damages caused and Credit Control Service, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Due to Covid I was laid off and became behind on my bills. I contacted Capital One to offer them a settlement because I wanted to pay them and move on. They rejected my offer. They informed me that they could not put it in writing nor could they inform me of why the decision was made. Fast Forward, they offer me a Hardship Program where they reduced the APR and payment for 9 months. I accepted the program and have made over the payments due. This hardship ends in XXXX. I contacted Capital One yesterday to offer a settlement of 50 % of the balance because I received my tax return and I was going to just pay them everything I had to be done with the account. I was told on the phone that my offer was accepted and that someone would be contacting me with the details on how to proceed with payment. I received a call today from a Capital One employee name XXXX empolyee # XXXX. She stated I was declined and I proceeded to request a explanation because I was informed yesterday it was excepted. She stated they do not give an explanation nor will they put this in writing. I asked that they review the call because this was not acceptable. She stated that she reviewed my history and I was rejected before and moving forward to write them if I wanted further assistance. Once again they rejected my offer and refused to provide any details and stated they could not document my offer or declination in a writing. I have been making all my payments for the past 7 months and I just want to pay them out and move on because they service and transparency is unacceptable. This is not how a company should operate especially with a customer that is trying and not ignoring their obligations. It seems they want to ruin your credit. I just really need this matter looked into because this should not go undocumented. Consumers have rights especially when they want to work with the creditors. I will never bank with nor secure anything from Capital One
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-01-30
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. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Credit Control (CA)

XXXX, XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account CONTINENTAL CREDIT CON. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the collection posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/2021 Balance : {$120.00}