davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upgrade, Inc. (CA)

To Whom It May Concern, I am writing to report a serious issue of harassment by a company named UPGRADE INC, XXXX XXXX XXXX, and XXXX TECHNOLOGIES. I have been a victim of identity theft, ( starting in XXXX of XXXX ) during which bank accounts, loans, and credit cards were fraudulently opened in my name without my knowledge. Upon discovering these unauthorized activities, I immediately reported the matter to the police and contacted all the relevant companies where these accounts were opened. All of the companies, except for UPGRADE, promptly closed the fraudulent accounts. I have videos, witness, harassing calls and text messages from a stalker who also broke into my apartment and damaged my property, including my computer from where he must have accessed my data. The delinquents changed my business email address, my email, they also wrote false checks, overdraft that account, I have close to XXXX inches of paperwork from all of the crazy stuff they did. I never eat at XXXX, someone was still asking for loans late XXXX... they made a telenovela drama size of all of this. They opened a savings account too, and applied to several credit card companies. 

Despite my repeated efforts over several months to resolve this matter with UPGRADE, they have refused to close the account in question. They have failed to provide any proof of making a deposit to any of my accounts or any relevant records. I have communicated extensively with UPGRADE and their affiliates, providing all necessary documentation, including police reports. However, UPGRADE continues to delay the resolution and seems intent on damaging my reputation. 

I request your urgent attention and intervention in this matter to ensure that this fraudulent account is closed and my name is cleared of any wrongdoing. XXXX is not acting in my best interest or is colluding with fraudulent creditors Thank you for your assistance
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have review a copy of my credit report and i have found UNAUTHORIZED Credit inquiries and collections on my report. Please remove this UNAUTHORIZED inquiries and collection from my credit report.These were not obtained with my consent and they are hurting my ability to obtain credit.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

Due to the pandemic, student loan borrowers were given the option to have student loan payments refunded. I requested a refund of payments made during the XXXX pandemic from my servicer Nelnet on XX/XX/XXXX ( email confirmation attached below ). I received a response email stating if I hadn't been updated in XXXX weeks, reply to the email, which I did ( response attached ). I did not receive any further updates nor have I received the refund of those payments that I requested. 

I reached out again to Nelnet in late XXXX and again in early XXXX to check on the status, each time they said they were " looking into my account '' and " they could see the request '' but again, no refund of these payments. In XXXX, I enrolled in a payment plan to become eligible for student loan forgiveness ( PSLF ). My loans were transferred over to XXXX. I received a call in approx XXXX of XXXX from Nelnet, that because they were no longer my servicer, the request would need to be completed by XXXX. I sent the request to XXXX, who responded saying since the payments were made under Nelnet, the refund would have to be processed by them. 

I have since may several attempts to email both Nelnet, and XXXX. It appears both are now ignoring my requests, and neither company is willing to investigate who should be processing the refund.
Consumer complaint received 2024-07-24
Product: Credit reporting 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. 

Account XXXX : XXXX Account XXXX : XXXX and list of Inquiries. 

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 2024-08-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

I purhcased a vanilla visa gift card that was advertised to be able to be used online and in person. However, Incomm and vanilla visa do not offer the ability to register the address and create a zip code, so I am unable to use this card as intended online when a zip code is requested ( as on almost every site ). Thus, the card was falsely advertised, and I can not use the balance. It is my hope they provide me a refund for this card and the activation fee.
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 — Old information reappears or never goes away
Company: American Collections Enterprise, Inc. (MD)

the debt of {$65.00} to XXXX XXXX was paid on XXXX XXXX, 2021. I contacted them and they said they are not sure why the collection company, American Collections Enterprise | ACEI is still reporting the debt. It should have been deleted.
Consumer complaint received 2024-08-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (FL)

I took a loan out for school n XXXX  before I graduated i had to pay fees before i can walk stag which I had paid the school money but after graduating I never received my degree n dental assistance I never was able to get a job because job need proof of completion now im stuck owing money for a career I spent money time on I cant get a job to now the school closed down for fraud.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

After reviewing my credit report, I noticed that it has multiple accounts listed that I've never been associated with. I've never applied for such accounts, nor have I given anyone my information. I've been a victim of identity theft and i would like these accounts removed immediately. 

XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1100.00} Acct # : XXXX XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX with a balance of {$29000.00} Acct # : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$1400.00} Acct # : XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX with a balance of {$1000.00} Acct # : XXXX XXXX XXXX Opened on XX/XX/XXXX with a balance of {$200.00} Acct # : XXXX
Consumer complaint received 2024-05-28
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: EQUIFAX, INC. (GA)

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 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$50.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$50.00}
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally express my concern regarding the disputed accounts that currently appear on my credit report. On multiple occasions, I have raised the issue of inaccuracies related to these accounts and have consistently requested that they be thoroughly investigated. Despite my repeated efforts, I have not received any resolution or corrective action. 

These erroneous accounts are severely damaging my credit profile and hindering my ability to live a normal life. The negative impact of these inaccuracies has caused immense hardship, and I am left with no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that you take the necessary steps to update and correct my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and to take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I am livid on Nation Star 's injustice against me. Nation Star is using fraudulent claims against me in order to deny my loan. XX/XX/2016 I was denied for Hamp Tier 2 due to insufficient monthly payment reduction. Nation Star used The Federal Standardized Living Expenses Calculator ( {$2500.00} ), to calculate my expenses than my actual expenses on my Making Home Affordable Application ( {$1400.00} ) What is even more concerning is that my current market value was not even taken into consideration at that time but to my understanding, the loan to value is important to determine if the payment would increase or decrease. 
I was denied on XX/XX/2016 for a modification again due to their outrageous claim that my home is worth {$140000.00}. There is no way my home is worth that much! My property is grossly underwater and needs a lot of work. I recently paid for an appraisal to be done on my home resulting value of only {$120000.00}. Based on the Hamp Tier 2 guidelines, my loan is eligible under these terms. This is really affecting me due to Nation Star prolonging my case, I am falling further behind in debt. I have attended workshops for struggling homeowners like myself and have learned about my homeowner rights. All I want is a fair review under my correct income and correct property value.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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. 

Account name : # XXXX, XXXX XXXX, # XXXX, XXXX XXXXXXXX, # 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. 

These are stopping me from getting a house for my family
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

I received written notice from Caine & Weiner ( C & W ) on XX/XX/XXXX re a debt they were attempting to collect for XXXX XXXX XXXX in the amount of {$27000.00}. 
On XX/XX/XXXX I called C & W, as I had not heard from them. I called XXXX, the number on the letter received, at XXXX, and XXXX. I was disconnected while on hold twice. I then called back & asked for a direct #, was given XXXX, and left a VM for XXXX. I called back on XX/XX/XXXX as I had not received a call. I spoke with XXXX who said she had called and left a VM but that is an untruth ( cell phone records can verify no call or message ). I explained the situation and offered an amount of {$17000.00}, which was the actual amount I received from XXXX. XXXX said she would contact XXXX with the offer and get back to me by phone and/or email. I tried to send an email to the website listed on the correspondence on XX/XX/XXXX, since I still had not heard back from XXXX. The address is invalid and neither XXXX or XXXX  servers will send to it ( I have screenshot confirmation ). I followed up and left messages for XXXX on the XXXX #  on XXXX, XXXX, XX/XX/XXXX. I never received a call or email from XXXX or anyone else from C & W. I then saw a missed call from the C & W XXXX #  on XX/XX/XXXX @ XXXX. They did not leave a message. I received another letter from them asking for me to call to resolve the debt dated XX/XX/XXXX but didnt receive in the mail until XX/XX/XXXX. I then was notified of a charge off on my credit report thru XXXX on XX/XX/XXXX. 
I believe I have acted in good faith to try to resolve this debt. C & W however has not engaged or returned my phone calls, but rather went straight to collection after just one conversation where the action item was on them to discuss with XXXX and get back to me with an answer. The only conversation I had with C & W was on XX/XX/XXXX. They have not only acted in bad faith by not engaging in conversations to resolve the matter, they also have an invalid email address, and multiple phone numbers on the correspondence. I feel they are less than professional and even appear to be a shady organization. I have submitted disputes re the charge off to all 3 credit agencies. Happy tp provide all documentation if requested.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-04
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RANLife, Inc. (OR)

I had been trying to get my mortgage on forbearance since I lost my job on XX/XX/year>. I applied the way that the lender asked, however, I would never receive any communications on the status for several weeks. Then when I called, I was told that I needed additional documents and the original documents I sent would now be out of date and the process needed to be restarted. So I did that again and in XXXX the same issue occured causing me to start the process over. I did it again and in XXXX, right after they accepted all the documentation, they said it was too late because the state of the loan was already in foreclosure and now there isn't anything I can do to save the loan. I offered to pay at least 2 months mortgage payments plus the associated fees to try and bring the balance lower while I worked on getting paid up to date but that was denied as they said the only way currently to stop the process would be to pay the total loan balance left on my lien. This is obviously not fiscally possible, and so now I am rather at a loss as to what I can do to save my home and families future.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX  Alleged Amount owed XXXX No actions have been taken XXXX XXXX XXXX XXXX XXXX amount owed XXXX No actions have been taken I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt nor there for any such debt in fact there for exist. In this particular case this matter should be eradicated and resolved to a XXXX balance. All negative reporting 's should be removed from all credit profiles immediately.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 168 I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX Wells Fargo froze my account. I called and spoke with someone and on XX/XX/XXXX they sent all my information into XXXX XXXX and without giving me information on what was going on and closed my account and froze my funds. This in turn put me into a very bad financial situation and made it very difficult for me to pay my bills and get things straightened out. They also wouldn't tell me anything and when I went to get another checking account, they informed me they couldn't because of what was sent into XXXX XXXX. I then contacted XXXX XXXX and found that before the investigation was even started that an executive named XXXX had already sent in my information without telling me the reason. They did not offer any other ways to rectify this and did not care that I had minimal ways to pay my bills. As a result of all this I incurred tons of emotional and physical damage and want to warn others that may consider banking here. They froze my account for over a month and made it very very hard for me to do anything. I feel compensation should be in order as it was over a month before I actually found out the reason for it being frozen, which it still shouldn't have been.