davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SENTE MORTGAGE (TX)

In XXXX of XXXX Sente/XXXX  mortgage company sent insurance payment of XXXX to XXXX XXXX  XXXX with a bulk check for all payments to XXXX. This check did not have our insurance account number on it, therefore XXXX sent a wire transfer back to Sente mortgage of the above amount by wire transfer XXXX which was then cashed on XX/XX/XXXX. This was never identified as an issue by myself or husband until our XXXX insurance payment increased in XXXX of XXXX. Once we identified that this was not a one time insurance increase we called XXXX and identified that the above was a problem. Over the last months phone calls to both companies to inquire about the missing payment were made. 3 way phone calls occurred and investigation into the missing payment has been ongoing. Within the last month the trace number from XXXX to Sente mortgage was identified and inquire is still ongoing currently. Sente mortgage has felt mostly obstructive, with only a few helpful agents trying to resolve this situation. I am not sure if it is a company policy for Sente mortgage, but there has never been a promise to have someone call and contact us to follow up, it is always call back in 5 business days and then I am left hoping that someone helpful answers. This has become increasingly frustrating and feels like a stonewalling to get us to give up recouping our funds.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (CT)

I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2024-03-27
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (KY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (VA)

Shellpoint Loan Services ( NewRez ) took over the servicing of my mortgage effective XX/XX/XXXX. I sent my XX/XX/XXXX payment through recurring Bill Pay to my old servicer and it was paid by my bank ( XXXX XXXX ) on XX/XX/XXXX. Shellpoint says it " sees '' that payment but can't get it applied to my account because they're having " trouble transferring payments to accounts '' from the old system. They want me to be " patient '' but I continue to receive notices in the mail that I am behind, now owing them more than {$6000.00} none of which is accurate. They also keep giving me different addresses to make payments to. I have set a XX/XX/XXXX Bill Pay from XXXX XXXX and am concerned it will not get applied properly.
Consumer complaint received 2023-10-13
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. (AL)

You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right. 

The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after two written requests, is also evidence o

f your willful disrega rd of Federal Law. Upon entering litigation, and through the XXXX process, you will be required to produce these documents along with an affidavit sw
earing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request. 

The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within XXXX  days as required by law, and the Court will order you to delete them. 

You say that you have reinvestigated, and/or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is parroted information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of 1681 ( a ) ( 4 ) of the FCRA. 

In my previous formal request and correspondence, I asked you to give me the name of the person in your company who verified the accuracy of these accounts, but you also ignored this request, which is another violation of Federal Law and evidence of your willful disregard of the law. 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ), if you fail to comply with this Federal Law. 

I will repeat myself, and state that I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

Account name Account number XXXX XXXX XXXX XXXX INQUIRIES I DID NOT APPROVE XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX employees, legacy community, XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-09-05
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege there is no such verification exists.
Consumer complaint received 2023-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (ME)

I am currently dealing with Nelnet for my student loans. I have about $ XXXX in student loans through them for undergraduate and graduate school. 

I have applied twice to switch my plan from my current income driven repayment plan to the new SAVE plan in an effort to lower my monthly payments. My current monthly payment is about 1/4th of my monthly income. I absolutely can not afford that, which is why I tried to switch to the SAVE plan ( twice ). My monthly payments have not changed at all.

I have called and called and called their call service. I have spent hours and hours on the phone only to never be able to talk to someone. I have been told by their pre-recorded line that they are closed, despite their website indicating that they are open. This has to be the worst customer service I have ever experienced. I have tried their online chat system to attempt to remedy the issues, only to be told that I need to call them. 

I am out of options with them. If I am unable to lower my payments I won't be able to pay my mortgage, my car loan, etc.
Consumer complaint received 2023-10-13
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. (VA)

n accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX Account XXXX ) had 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 1792 ) prohibits collectors from various unfair practices, such as failing to validate the debt obligation, threatening litigation or other legal action, collecting on or reporting to credit on a debt you don't owe, harassing you, and engaging in fraudulent behavior.XXXX
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (MO)

This company is contacting both my work number and my personal number at minimum 3 times per day each. Often utilizing multiple numbers and attempting to mask caller id on some attempts. This is extremely excessive considering this would constitute at least 36 contacts per 7 day period.
Consumer complaint received 2023-10-13
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)

I made a payment of XXXX, it was the balance of my loan. The payment wasn't process for XXXX  days and as a result, the account accrued more interest. I called and talked with someone, who with XXXX approval, said they'd XXXX out my account and send me a letter of notification. Neither happened. I used the XXXX XXXX online feature, and XXXX week later I've had no response. My interest is now > XXXX Small but ridiculous. I paid it but am furious I'm paying again. This also means other people are paying more than they should on their accounts if payments don't stop the interest accrual on the updated primary loan amount.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

Us bank said I took atm withdraw about XXXX XXXX when I had my card under my head .so I dispute it and they said I did take the XXXX out of my account and there nothing else I could do this was back when XXXX was going XXXX XXXX XXXX. I could that same day money got took out and at my house and told them why would not even be home if I get a XXXX draw from XXXXXXXX XXXX what
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (CA)

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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. XXXX XXXX account number XXXX, XXXX XXXX account number XXXX vXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 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 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 other adverse items 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-22
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. (WA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to update or correct these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-10-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc. (CA)

A {$9400.00} loan for a non-degree certificate program I participated in ( XXXX XXXX ) was sold to a XXXX party servicer. I recently received notification of an unpaid balance of {$1100.00} from SIMM Associates , Inc . It appears that SIMM Associates , Inc. reported this missed payment incorrectly. The program through which I incurred the loan with XXXX XXXX has a contract stating that the loan I took out is not credit bearing and is interest free. In XXXX of XXXX, a payment of {$6000.00} was applied to the principal balance, but XXXX XXXX XXXX XXXX have been harassing me for payments ever since. I have also been receiving repeated phone calls after having notified the XXXX XXXX representatives that I currently am XXXX. Under the agreement from the program per the program contract, payments can be paused for up to XXXX months at a time if program participants are unemployed. This pause can be renewed without any limit. Furthermore, there is a recorded phone call I had with a XXXX XXXX XXXX in XX/XX/XXXX during which the representative stated that there was no deadline to submit confirming unemployment documentation, yet XXXX XXXX  has continued calling me multiple times a day. XXXX XXXX XXXX XXXX reviews on SIMM Associates XXXX Inc. reflect that this lender frequently operates fraudulently at the expense of unsuspecting consumers. It is unclear what the connection is between XXXX XXXX, who the loan was supposedly sold to, and SIMM Associates , Inc .
Consumer complaint received 2022-11-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

BOA failed to investigate fraud complaints of XXXXXXXX XXXX Claims were XXXX  and had not been investigated to this date. I had all BOA alerts and safeguards in place. I informed bank that I WITHDRAW my fraud claimed and please set a closure date for them to return to me my XXXX XXXX XXXX No one at BOA will talk to me and I have no idea of my funds since they also closed access to my accounts. I have a XXXX} BOA credit card due and since I have no access to my money or my account info, this bill can not be paid. I have visited bank and was escorted out by police. A quoteleave now because I do not care how old you are, I will take you to jail. Bad words for a bank holding ransom my money