davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Hello, I have filed multiple disputes with Experian regarding an account I have in collections - XXXX XXXX  account- in their credit report. I previously successfully filed a report with XXXX in XXXX, and had the account deleted from my credit report for it is inaccurate as it is not my account. 

I filed a dispute with Experian in XX/XX/XXXX regarding said account. They reached back to me expeditiously, probably too expeditiously to make a sound decision as they had found that the account was 'accurate ', and it is to remain on my account. The dispute that I filed with XXXX on the same day as Experian 's is still ongoing. Furthermore, I filed subsequent disputes inputting as much information as I could regarding the account. They only allow one 210 characters to input information, which is egregious in my honest opinion. How can one expect a company to adequately review, on their behalf, a financial dispute from the past when only allowed to provide 3-4 sentences of information. 

Experian has repeatedly said that the information is accurate, while not acknowledging the other individual, XXXX XXXX XXXX, in the contract from where the collection stems from. Thus, balance amount, and the collection itself is inaccurate - as previously found by XXXX. They have also 'updated ' the account in dispute, but have provided no further information on how the dispute was resolved, and what led to that decision. I have attempted to file subsequent disputes with more information but Experian has barred me from doing so on their online portal. With COVID-19 ongoing, I personally do not find it safe to file disputes by mail, and expose myself to possibly dangerous social settings. 

At this point, I am led to believe the Experian is possibly working with the collection agencies themselves to profit off of inaccurate credit reports, and debts by risking peoples ' livelihood.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Mortgage Company, Wells Fargo Home Mortgage finance my loan with the incorrect address, Instead of two units, duplex it listed the address as 71 properties to one thousand properties.on the Fixed Rate Note The Deed of Trust and the 1-4 Family Rider.
Consumer complaint received 2020-05-06
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. (MO)

I was recently just released from XXXX, after 8yrs, only to find out that I been a victim to identity theft, my personal information has been seriously compromised and has left me in a rut. After reporting this thru the proper channels, I begun familiarize my self with the rules and laws of the FCRA. However, I chose this way first, demanding that the following unauthorized accounts be removed and blocked from my credit files. With Respect. 

1 ) XXXX XXXX XXXX {$630.00} 2 ) XXXX XXXX XXXX  {$720.00} 3 ) XXXX XXXX XXXX {$XXXX XXXX ) XXXX XXXX {$2100.00} 5 ) XXXX {$750.00} 6 ) XXXX XXXX XXXXce {$240.00} 7 ) XXXX XXXX XXXX {$2000.00} 8 ) XXXX XXXX XXXX   {$510.00} 9 ) XXXX XXXX XXXX {$180.00} 10 ) XXXX XXXX XXXX {$270.00} 11 ) XXXX {$11000.00} 12 ) XXXX XXXX XXXX  13 ) XXXX  14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion  and XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2022-02-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FC HoldCo LLC (FL)

I have been battling with Flagship for over 2 years regarding this debt. I have spent several hours, money, resources on this, I even started learning about my consumer rights and found out how much this company has violated my consumer rights. Flagship is fraudulently reporting negative information about me and has stopped me from being able to get credit extended. I have filed complaints before and have been closed without being resolved. I sent them a cease and desist ALL COMMUNICATION IN ANY FORM in XX/XX/2021 and to this date they are still reporting negative information which is a form of communication. Please assist me with this to be resolved IMMEDIATELY
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center (TX)

The aforementioned credit collection agency representing whomever XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2020-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NC)

I have concerns with how interest in allocated. I have had my loan for > 10 years. ( I pay XXXX, Started paying more than the minimum about 4 years ago minimum payment is XXXX. I am currently a few months ahead ( next payment due is XXXX ). 

100 % of my XXXX payment {$180.00} and most of my XXXX Payment ( XXXX out of XXXX ) was allocated to interest. I have been paying in advance, but still getting charged more than minimum montly payment in interest. My interst rate is 3.65 %
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX. I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (GA)

This complaint is in regards to Carmax on line payment system and the over drafting of {$980.00} on XX/XX/XXXX, from my checking account. This is in addition to {$500.00} draft on XX/XX/XXXX. A total of {$1400.00} in 2 days. My accounts are negative and I will have nsfs from the bank and fees from creditors. THIS WAS PART OF MY MORTGAGE PAYMENT. CAUSING ME A SEVERE HARDSHIP! 
I am a great paying customer. I have never missed a payment nor been late since I originated the loan XX/XX/XXXX. 
I have notified Carmax customer service department over the past year that the on line system began to show a payment request of {$980.00}. They would tell me to over look it and that I could modify the payment on line which, the system would allow me to do so. There was a difference this month ( XXXX ) the on line system would not allow me to make the regular payment nor modify. I cancelled the process and called the Carmax office the next day ( XX/XX/XXXX ) to make the payment required and an additional amount of {$5.00}. During the phone call the representative did not inform me that a {$980.00} payment had already been applied. She took the payment of {$500.00} by phone. I informed her that the on line system requested I pay {$980.00}. I cancelled the on line process. I asked her why the system would not allow me to modify? I received the same answer as usual to " just ignore it. '' I made a requested of the representative to contact the Tech dept and inform them of the on line issue because the problem had gotten worse. Evidentally no one heard me nor cared! 
Again this has caused me to be in a financial strain. I want the {$980.00} reimbursed to me as soon as possible! I am requesting as well, Carmax pay all NSF and other fees that may occur due to their issues. 
They claim I processed the payment of {$980.00} on line. I informed them that I never received an email for confirmation of an on line payment. I would have inform them when I phoned their office.
Consumer complaint received 2020-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My credit file is a reflection of my identity been compromised, therefore not only are my accounts fraudulent but the following inquiries as well. I did Not authorize these inquiries, and I'm demanding that they be removed.

1 ) XXXX XXXX XX/XX/XXXX2 ) XXXX XXXX XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX  XX/XX/XXXX 9 ) XXXX XXXX XXXXXX/XX/XXXX 10 ) XXXX XXXX XXXXXX/XX/XXXX 11 ) XXXX XXXX XXXX  XX/XX/XXXX12 ) XXXX XXXX XX/XX/XXXX 13 ) XXXX XXXX   XX/XX/XXXX 14 ) XXXX XXXX XXXX XX/XX/XXXX 15 ) XXXX XXXX XXXX XX/XX/XXXX 16 ) XXXX XXXX XX/XX/XXXX 17 ) XXXX XXXX XX/XX/XXXX 18 ) XXXX XXXXXX/XX/XXXX 19 ) XXXX XXXX XXXX  XX/XX/XXXX20 ) XXXX XXXX XXXX XXXX XX/XX/XXXX21 ) XXXX XXXX XX/XX/XXXX 22 ) XXXX XXXX XX/XX/XXXX 23 ) XXXX XXXXXX/XX/XXXX24 ) XXXX XXXX XXXX XX/XX/XXXX 25 ) XXXX XXXX XX/XX/XXXX 26 ) XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Experian is allowing a unverified debt to be posted to my credit report. Experian and XXXX XXXX have not supplied documentation to prove I own this debt. 
XXXX XXXX submitted a fraudulent unverified debt to the credit bureaus under my profile. 
XXXX XXXX is fraudulently trying to collect on a debt that they do not have documentation to prove I owe. 
The documentation XXXX XXXX has is a copy of a invoice that has a digitally imposed signature which does not match my Actual hand writin signature. XXXX XXXX also supplied a proposal and agreement document as proof of the debts ownership. The documents does not have my actual signature any where on it. Again this is not my debt and no verification has been provided otherwise.
Consumer complaint received 2023-04-28
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. (AR)

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

I Had emailed XXXX XXXX tax bill to Mr Cooper way back in XXXX, XXXX, 2024 on XXXX, and not received any response for XXXX  months that XXXX XXXX tax bill was paid. To my frustration I received the defaulted tax bill / delinquent account from XXXX XXXX in XXXX XXXX and contacted Mr Cooper for the reason why the tax was not paid. 

I contacted Mr Cooper on XX/XX/XXXX for a Refund on my Property taxes, which they did not pay to XXXX XXXX and I had to pay the {$6200.00} XXXX XXXX directly with a Penalty of {$190.00} as I did not want a penalty and delinquent account. I was then told that they would refund me the {$6200.00} via a check in XXXX to XXXX business days, which I did not receive yet. ( My Account still shows that Mr Cooper has paid XXXX XXXX taxes - Untrue, they never paid it ). I was also being charged {$770.00} each month by their escrow account for this tax as part of my mortgage. For a tax bill they never paid. 

I called them again on XX/XX/XXXX and they said that they have mailed a check of {$3900.00} towards the refund and not the agreed {$6200.00} which I paid. I asked why. They said that the balance has gone back to the XXXX account- Did not make sense. What happens to the {$6300.00} I paid directly to XXXX XXXX alongwith penalty for their delay, Their answer- We will conduct another analisys and determine what next. 

I am frustrated, that I am paying double the payments - to XXXX XXXX and the Mortgage company. I have all the payment receipts and details, which I can share on request. 

Pls help!
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

The aforementioned credit collection agency representing whomever XXXX, XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX  and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Located in XXXX XXXX XXXX this company engaged in REPEATED CONSUMER FRAUD, violating both Federal and California Consumer Laws. This Fraudster does not credit my mortgage payment paid in the beginning of every month and creates a FRAUDULENT mortgage loan balance forward dating XXXX of each month, without crediting mortgage payment. 

Did not credit all mortgage payments - including XXXX, 2020 and XX/XX/2020 mortgage payments. 

This Fraudster did not even comply with First Qualified Written Request. 

My patient has run out. I will sue this Fraudster on XX/XX/2020, seeking damages and attorneys fees.