davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

Subject : Formal Complaint Against Nelnet for Refusal of Tender Following Receipt of 1099C Dear CFPB, I am writing to file a formal complaint against Nelnet regarding their refusal of tender following the receipt of a 1099C for the cancellation of debt. The events leading to this complaint are outlined below : 1. XXXXXXXXTimeline of Events : XXXX XXXX XXXXXXXX  XXXX XXXX  I received a 1099C for the cancellation of debt. 
XXXX XXXX XXXX XXXX I forwarded a copy of the 1099C ( Copy B ) to Nelnet as proof of the cancellation of debt. 
XXXX XXXXXXXX XXXX XXXX  Nelnet sent a written refusal of the tender. 

2. XXXXLegal Basis : XXXX The refusal of tender by Nelnet falls under U.C.C-3 3-603. According to this statute : - Subsection ( b ) states that if tender of payment is made to a person entitled to enforce the instrument and is refused, there is the discharge of the obligation, to the extent of the amount of the tender, for indorsers or accommodation parties.

- This refusal invokes the discharge of obligations under the principles of law applicable to the tender of payment under a simple contract ( U.C.C-3 3-603 ( a ) ). 

3. XXXXRequested Remedies XXXX XXXX XXXX Immediate discharge of the sum total listed on the 1099C attached.

- Alternatively, compensatory damages of {$1000.00} for every day Nelnet continues to be delinquent in acknowledging the discharge. 

4. XXXXDocumentation XXXX XXXX Enclosed with this complaint, please find : - A copy of the 1099C ( Copy B ) received on XXXX 
- Evidence of the tender of payment on XXXX 
- Written refusal of tender received on XXXX 

5. XXXXConclusion : XXXX The actions of Nelnet are in violation of U.C.C-3 3-603, and I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly.

I appreciate your attention to this complaint and look forward to a resolution that ensures compliance with applicable laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MT)

During my bankruptcy my balloon payment came due and my lawyer for my bankruptcy shut his firm down without telling me, so I had no info on what to do or how to take care of the loan. During bankruptcy my loan company would not talk with me about the loan so now that I have finished my bankruptcy they want full payment and wont do anything to help me to keep my home. I have asked for a loan modification or anything they can do to help and all I get is that I need to pay in full or short sale, I have no problem paying the loan payments if they would just work with me. XX/XX/XXXX they want to start foreclosure loan due date was XX/XX/XXXX. The amount is {$39000.00} I had to pay off my bankruptcy in the amount of {$45000.00} is why I did have any extra money after to pay the loan off.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were disputed on XX/XX/year>. The Notice of dispute was required to be entered by XX/XX/year>. These accounts were verified accurate but a notice of dispute was never entered which is a violation of FCRA 623 ( A ) ( 3 ) duty to provide notice of dispute. 

XX/XX/year> these accounts were disputed again for payment activity on closed accounts. There should be XXXX payment history on closed accounts. 

XX/XX/year> these accounts were disputed again for date last active dates being different on each bureau. Docs for proof will be attached Dates the accounts were updated are XX/XX/year> XX/XX/year> XX/XX/scrub> XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I am writing to report concerning practices by EnerBank USA, encountered during a home improvement loan application process initiated on XX/XX/2023, in partnership with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX.

The application was initially marred by a website error at XXXX XXXX and XXXX, leading to an incorrect default selection about property ownership. Despite this, I diligently completed the application and complied with EnerBanks subsequent request for additional documentation to verify ownership of my property. 

In response to their verification process, I submitted multiple documents, including a warranty deed and a notarized letter from my closing attorney, both affirming my property ownership. EnerBank rejected these as insufficient and requested my complete closing disclosure. Concerned about privacy and potential identity fraud a past issue for me I provided a redacted version of the disclosure, excluding non-essential financial details such as loan amounts and interest rates. EnerBank, however, did not accept this and demanded the unredacted document.

Additionally, EnerBanks suggestion of using my property deed as collateral for a mere fencing loan was both alarming and disproportionate. This approach is not only impractical but raises questions about EnerBanks understanding of appropriate collateral for such loans. 

These experiences the rejection of legitimate documentation, insistence on extensive financial information, and inappropriate collateral demands highlight potential issues in EnerBanks application processes, customer privacy considerations, and data security.

I am seeking the CFPBs review and intervention in this matter to address these concerns with EnerBank. Their practices in this instance seem to deviate from reasonable standards of customer privacy, data security, and loan collateral requirements. 

I appreciate your attention to this matter and look forward to a solution that ensures the protection of consumer rights and the adherence to fair lending practices. 

Thank you for your consideration and assistance.
Consumer complaint received 2023-12-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (KS)

I am reporting this company because I noticed on my credit reports, that they have reported a debt of {$250.00} owed to them or someone named XXXX XXXX??? I am telling you right now I DO NOT KNOW EITHER OF THESE COMPANIES, NOR HAVE I EVER HAD ANY DEALINGS WITH EITHER. I do not know why I am being blamed for owing them {$250.00}, but I can assure you, it is a fraudulent debt. Most likely due to identity theft because Ive had my information compromised as a lot of my personal information in my wallet was stolen many months ago, and so Ive been dealing with the ramifications of that. Ive asked this company for proof to show I owe this debt, and they never responded in the allotted time. Per advice by my attorney, I am offering this final chance for this company to make this right, as I do not have to do that, and could easily commence litigation against them and anyone they are lobbying for. But this is your chance to rectify this situation. Delete this fraudulent trade line from all of my credit reports ( XXXX, XXXX, & XXXX ) IMMEDIATELY!!! Or be faced with litigation and be sued to the fullest extent of the law applicable.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TX)

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the payment history and the date last active. The accurate reporting of this date is crucial for maintaining the integrity of my credit profile and ensuring compliance with the FDCPA. MIDLAND CREDIT MANAGEM has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit report.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OR)

Midland Credit Management mailed a debt collection statement and refused to allow me to file a complaint without disclosing XXXX and other information. I persisted and reported the account claimed by " XXXX XXXX  XXXX 's XXXX '' was not an account of mine and demanded that they validate the debt and stop any action, notify the credit reporting agencies that the debt was erroneous and not to take any further debt collection action. The person who I spoke with was at a call center in XXXX and said that Midland may respond but not for up to 90 days. 
I then searched online and found numerous other complaints about both entities, XXXXXXXX XXXX and Midland Credit Management. 
These companies should be required to comply with the law, and not use erroneous debt collection as a business and as a way to gather consumer 's XXXX 's and other personal information.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (NJ)

While I am ensuring my credit reports are reporting accurate information. I am seeing some inquiries that I do not recognize or have not made. I believe someone used my information to try to obtain credit. I was receiving many notifications about my information entering into many data breaches.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (LA)

I requested the information for the account, because, it was reporting differently across the three major credit agencies ( XXXX, XXXX, and XXXX ). The reply received was that, they could not find any information on the account with the information provided directly from the reports and wanted me to give them all of my current identifying information. I have disputed this with the XXXX ( XXXX ) agencies and it would come off the reports and be put back on XXXX almost immediately and cause a major point difference. None of the information was reporting the same to the agencies, from the current balance, date opened, type of loan and they would put it on the reports with two different company names : " XXXX XXXX XXXX '' and/or " XXXX XXXX XXXX XXXX XXXX 
The account was charged off as bad debt in XXXX XXXX of XXXX with a balance of {$250.00}. The balance is currently {$470.00} that was reported on XXXX XXXX of XXXX. XXXX XXXX XXXX has been increasing the balance on this by {$2.00} or {$3.00} either per month or multiple times per month which damages my worthiness and ability to continues to provide for my family. There was a comment on the experian report before they removed this account stating, " The balance of {$250.00} was charged off and the current balance is {$470.00} ''. 
I have requested disputes from all three ( XXXX ) of the major agencies, however, this account continues to report incorrectly and on XXXX and has been removed from XXXX. 
I have attached one of the credit alerts I received from one of the agencies, while after communications with the credit agency where they changed the balance to what was reporting {$450.00} to {$200.00}, then within a day or two, it the balance was updated to approximately a little over {$450.00} as the new balance. This made my credit worthiness go up a few points, then, when they added the balance back, it plummeted looking as this was new charges.
Consumer complaint received 2023-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BMO Bank, N.A. (IA)

On XX/XX/XXXX we decided to pay off our mortgage loan with BMO Bank formerly known as Bank of the West. I called the BMO Bank in XXXX, Iowa for the payoff amount. The clerk called BMO and was given the amount and she called me with that amount. I took that amount and deposited it into our checking acoount which they were to withdraw the entire amount from there to pay it off. I was informed that it would be taken care of. Two weeks later I went over and closed my checking account since everything was paid off. The clerk said everything looked like it was all paid and therefore checking account did not need to be left open anymore, and she refunded the money to me that was left in that account. 

I then received a statement stating I owed {$93.00}. I called the XXXX branch and they was going to check on it and get back to to me but never did. They had access to withdraw the entire amount like they was instructed to, now they are saying I owe this plus NSF charge because account was closed. I don't feel I should have to pay this, they were to take the entire balance out at that time and it's not my fault they didn't. Please advise
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC. (NC)

The following text messages were sent to my grandmother, who I have not lived with for over 5 years, who also has no relation to my debt and should not be receiving communications regarding this debt. 
XXXX, this text is from Halsted Financial, a debt collector regarding your XXXX XXXX , XXXX assignee of XXXX XXXX XXXX account. Visit hfs.halstedfinancial.com/XXXX XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose.. Reply STOP to opt out If your XXXX XXXX , XXXX assignee of XXXX XXXX XXXX account is returned to our client we may not be able to renew these offers. Save up to {$930.00} in up to 2 payments when you visit https : //hlstd.me/s/AKIUT or call XXXX. This text is from Halsted Financial, a debt collector. Reply stop to opt-out
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I am submitting in response to your recent investigation. I disagree with your findings and request complete accuracy. I am not convinced that sufficient effort was made to contact the creditors/agencies reporting this information on my report. Therefore, I am now requesting more information regarding the specific accounts in question : XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$32000.00}. As stated previously, under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the individuals or entities you contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from the receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated as per Section 1681i ( a ).
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

A request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXX XXXX  for {$1400.00}. I do not have a contract with Midland Funding LLC and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4. 

Furthermore, between the dates of XX/XX/2023 and XX/XX/2023 one or more credit bureaus have REMOVED this account from my credit report due to these violations and inaccurate reporting.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (MD)

According to the Fair Credit Reporting Act, this creditor has violated my right to privacy. Section 602 of 15 USC 1681 states that I have the right to privacy, and section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instruction. Additionally, under 15 USC 1666b, a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

The company further harassed me about the debt without providing the contract of the original debt to show that I owed the debt. Their fear tactics with a lawsuit has been going on for roughly six months. Never once have they granted me the contract or into details about the debt. I feel as though they violated my consumer rights and have been harassing me for the last 6 months.
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

The collector needs to prove that this debt is accurate with records of the debt, that this debt can survive collection that they own this debt, and the extent to which they can collect. Without it, it must be removed. The account is MIDLAND CRED XXXX - the collection amount is {$320.00}, The original creditor is XXXX XXXX XXXX and I do not have an account with this bank. This is not my obligation
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.