davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (NV)

Formal Complaint Regarding Inaccurate Accounts on My Credit Report I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the Department of Education that are not mine. 

Details of the Inaccurate Accounts : Department of Education XXXX XXXX XXXX DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Accounts on My Credit Report Dear Department of Education Loan Servicing Center , I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the Department of Education that are not mine. 

Details of the Inaccurate Accounts : Account Number : Reported balance {$1500.00} Actual payment amount Date of last payment XX/XX/2023 Account Number : DEPT OF ED/NELNET XXXX XXXX balance {$850.00} Account Number : DEPT OF ED/NELNET XXXX Reported balance {$6700.00} XX/XX/2023 XX/XX/2023 DEPT OF ED/NELNET XXXX Reported balance {$3700.00} XX/XX/2023 I strongly believe that I am a victim of identity theft, as I have not opened or authorized these accounts. The presence of these inaccurate entries is causing severe distress and negatively impacting my creditworthiness. 

Steps I Have Taken So Far : I have filed a police report with Identity Theft.gov to report the identity theft. 
I have contacted Nelnet, the loan servicer associated with these accounts, to dispute their legitimacy. 
Despite these actions, the inaccurate information persists on my credit report, affecting my ability to secure credit, loans, and other financial services. 

I kindly request the Department of Education Loan Servicing Center to : Conduct a thorough investigation into the accounts listed above. 
Provide me with a detailed explanation of the origin and legitimacy of these accounts. 
Take immediate corrective action to remove these inaccuracies from my credit report. 
Provide written confirmation once the corrective actions have been taken. 
I understand the seriousness of identity theft, and I am taking all necessary steps to rectify the situation. Your prompt attention to this matter is crucial in restoring the accuracy of my credit report and alleviating the undue stress caused by these inaccuracies. 

I appreciate your cooperation in resolving this matter and expect a timely and satisfactory resolution. If there are any additional forms or documentation required from my end, please do not hesitate to inform me. 

Thank you for your immediate attention to this pressing matter.
Consumer complaint received 2023-05-08
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 — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (IL)

I have reached out to Acima on several occasions to have them provide a physical contract with my signature on it of 1 derogatory debt that is appearing on my credit report. They have failed to respond to my letters. By law, they must provide a physical contract with my signature on it or remove it from my credit report.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (OH)

This collection agency has a debt that was never even set to me for a prior place that I lived. They also keep adding an additional dollar each month to the amount owed that they bought from my original creditor and it continually nicks my credit report and drops my credit score every month for an additional dollar that can't be legal for them to translate more money than they actually bought not to mention have never sent me anything in writing nor have they ever called me I'm not paying this debt but I'm afraid that they continue to ruin my credit
Consumer complaint received 2023-12-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Reference XXXX I filed a complaint with you, they responded with apology and stated they would refund the money but they Have not refunded and I have tried to contact them with no response.
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

As a first time home-buyer, I purchased a house, about 15 years ago, that I was renting. As a young single mother, I was unaware of the home buying process and was a great target for a predatory loan. All of the purchasing processes were handled by the homeowner. She was a realtor and she assured me that the company she was using was one she had used in the past.

The original lender was XXXX XXXX XXXX and it was a variable mortgage, whereas the interest was not suppose to exceed 6 %. Since then the mortgage was sold to another company, Select Portfolio Servicing, and the interest rate has exceeded the 6 %. I have attempted to pay more towards my principal and specifically instructed the funds to go to my principal. When I received my statement, the funds were applied to some erroneous late fees that XXXX XXXX XXXX stated were owed before the mortgage was sold to SPS. In reviewing my 1098 from SPS, I was appalled to see that I have paid {$4400.00} to interest and {$810.00} to principal. In addition, I received a 1098 from XXXX XXXX XXXX stating I, also, paid interest to them in 2019 ( {$750.00} ).XXXXI believe this sort of loan and practice should be reviewed and reversed as it has robbed me, and others like me, the real opportunity of ever actually owning a home. I have struggled over these 15 years to pay my mortgage believing I was moving closer to actually owning it and passing it down to my children. This appears to be a false reality that has been nothing less than a major scam and profit for these mortgage companies.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2023 a cash transfer for {$5000.00} was sent to a bank account. The date posted was for XX/XX/2023.The credit card company is stating that I said it was a valid transaction because the call generated from my phone number. They gave me the runaround transferring from person to person with everyone giving me a different answer. I did a police report and opened a identity theft case but they claim is not relevant. They did not want to take any of my documentation. I closed the account and warn anyone from opening an account with Barclays JetBlue credit card.
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (OH)

XX/XX/XXXX I traded futures with Crypto.com and their XXXX XXXX. I asked to wire my balance {$400000.00} to my bank. They informed me that I had to prepay 20 % capital gains tax. They would pay the additional 5 %. XX/XX/XXXX I wired {$66000.00}. I was then told to wire {$24000.00} Gas tax ( Refundable ) to remove my money from the XXXX. They said I was suspected of money laundering, and I had to deposit an additional 50 % ( {$200000.00} ). I sent it on XX/XX/XXXX. I was told the bank in XXXX XXXX would wire my money in 15 to 30 days. When I asked if they could speed it up, they offered to go for me for an additional {$30000.00} plus expenses. I balked. They said that I would have to go to XXXX XXXX in person and sign anti laundering documents and then my money would be wired to my bank. They owe me {$620000.00}. 
I have reached out twice since to no avail. 
I am XXXX XXXX XXXX and have never been involved in money laundering. On XX/XX/XXXX, I had a XXXX. Chances are 25 % I could have another one. If you are having a XXXX, you have XXXX hours to get medical attention to reverse the aftereffects. I am not willing to take a 12 hour flight to a country where I can't speak or read the language or chance another XXXX out of the USA. I asked for assistance besides traveling, so far nothing. Please help me. 
Thank you in advance.
Consumer complaint received 2023-12-21
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: CORELOGIC INC (MD)

I am writing to formally complain about unauthorized inquiries that have appeared on my credit report. This matter is of great concern to me, as it not only violates my privacy but also has potential implications for my financial well-being.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (CA)

I hope this letter reaches you well. I am contacting you to discuss a troubling matter regarding my credit report. After a detailed review of my credit history, I've discovered discrepancies related to late payments associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


These inaccuracies concerning late payments significantly distort my credit report. Therefore, I urge you to promptly correct this information. Enclosed are supporting documents such as bank statements and payment records verifying timely payments for the specified accounts.
Consumer complaint received 2023-05-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter to Equifax explaining inaccurate accounts appearing on my credit report was not mine and to remove it immediately. They have failed to respond to my request in a timely manner. I want it removed now.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to submit a formal complaint against Transunion located in XXXX XXXX XXXX. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Transunion has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Transunion has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-11-13
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3300.00} XX/XX/ 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-16
Product: Credit reporting 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 Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO XXXX FORMAT compliance since, per CDIA, DNP XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (CA)

After reviewing my credit profile XX/XX/2023 identified a discrepancy with accounts listed under MIDLAND CREDIT MANAGEMENT and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 3rd validation letter was sent out on this day. After reviewing credit report XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please stryke and remove his account from all 3 credit bureaus until adequate validation has been received proving that they account belongs to me and all information is correct.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (PA)

This information is reporting on my Equifax credit report please remove it. 

XXXX XXXX XXXXXXXX XXXXk XXXX XXXX # XXXX A ) It is Too Old please delete it. 
B ) Its is Obselete please delete it.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Suttell, Hammer & White, P.S (WA)

Suttell & Hammer claim they have legal authority to sue me for XXXX XXXX, but they have never produced any validation documents as requested several times. They filed a lawsuit in XXXX XXXX where I do not live and they claimed they are XXXX 's attorney, then admitted they are a debt collector. 

I sent them another request below on XXXX and I have not received a response. 

XX/XX/2023 Sent via Certified Mail w/Return Green Card # XXXX XXXX XXXX XXXX XXXX SUTTELL AND HAMMER XXXX XXXX XXXX XXXX XXXX WA XXXX Dear Sir/Madam, This letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq., that your claim is disputed, and validation is requested.

This is not a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. I am giving you permission to send me validation to my address listed above.

Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you specifically calculated the entire amount of what you say I owe. 
Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. 
Identify the ORIGINAL creditor. 
If you purchased this alleged account, identify the SELLER, you purchased it from and ALL PREVIOUS OWNERS. 
Provide me with a copy of ANY judgment you say gives you the right to collect anything from me. 
Provide me with ANY documentation which establishes your legal standing to collect anything from me. 
If your offices are able to provide the proper documentation as requested, I will require at least 30 days after receipt to investigate this information and during such time all collection activity must cease. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files with the credit reporting agencies and a copy of such deletion request shall be sent to me immediately. Until proper validation is provided you are to cease all collection efforts.