davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (FL)

This is not my loan. I did not apply for this loan. Although my name, birthday, and Social Security number are correct, I do not live in Kansas, I have never lived in Kansas, I dont know anybody that lives in Kansas XXXX I have never gone to school in Kansas, nor did I receive this student loan or ever profit from it. I do not know the people listed as references in the XXXX document, XXXX XXXX or XXXX XXXX. I do not, and have never owned or had access to the email and/or phone number listed on the loan account. In XXXX of 2023, when these loan documents were submitted, I was living in a domestic XXXX shelter in XXXX XXXX, FL and I have documentation to prove that, as well as documentation to show that on XX/XX/year>, just 4 days after the documents for this loan were electronically signed, I was signing a 12 month lease agreement for a XXXX apartment in Cape Coral XXXX FL. I would have also been 4 months pregnant, and have documentation of my XXXX and the several doctors appointments I was attending, in person, in XXXX XXXX, FL. I contacted NelNet several months ago with all the same information above, and was never responded to. I cant get approved for any student loans to actually use myself, because a stranger took out this loan in my name, and most likely did not put towards educational expenses, and the information they provided was never questioned, despite the several misrepresentations they reported in their application documents.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

on XX/XX/2023 at XXXX I went to XXXX to get a copy of my credit report. I was given an error message. That said to write them to fix it. I believe I am a victim of ID theft. I need to access my file immediately! US Mail is too slow. 

HELP!
Consumer complaint received 2024-07-04
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: JPMORGAN CHASE & CO. (MD)

I am writing to bring to your attention the issue of unauthorized hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act, any hard inquiries that were made without my request are eligible for removal from my credit report. 

I kindly request your prompt assistance in removing this unauthorized hard inquiry to restore the accuracy and integrity of my credit report. Your cooperation in resolving this matter expediently would be greatly appreciated.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (CO)

I began receiving notices from Chime that an account and credit card had been opened in my name. When I called to close it out and request additional information, they began asking for the last 4 digits of my SSN. I refused and asked XXXX to to close the account and how or who opened this account. XXXX closed the account but would not allow me to know how this account was opened or who had opened it. When I asked for additional support from a supervisor or director, that request was refused.
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (CA)

Hi, I called EDFinancial on XX/XX/XXXX to get a loan refund on payments made on XX/XX/XXXX for the amount of {$500.00}. The representative was not able to give any confirmation or date on when I should expect my refund. All I was informed is that they have submitted my request for a refund. The amount has not been accurately reflected on my account. A lot of other people are having the same problem and they recommended me to submit a complaint here.
Consumer complaint received 2024-04-07
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. (OH)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX Experian 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of XXXX XXXX.

I am a XXXX XXXX XXXX and have submitted all required documentation to Experian, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on XXXX separate occasions, Experian has refused to block the items in my credit report that are directly linked to XXXX XXXX. 

Experian has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute XXXX times, preventing me from exercising my rights as a victim of XXXX XXXX 

I urge the Consumer Financial Protection Bureau to investigate Experian 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Experian to block the adverse items in my credit report that are the result of XXXX XXXX, in accordance with the Final Rule.

I kindly request that this case not be closed until Experian has taken the necessary steps to remove the items in question from my credit report.

Thank you for your attention to this matter. I look forward to your prompt action and resolution. 

Sincerely, XXXX XXXX XXXX ( Please only respond with email or phone call ) XXXX, XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I called the companies XXXX XXXX XXXX, 2024. I asked to delete all names that are not mine, addresses that aren't mine, birth date and social security numbers that aren't mine. The information was not taken off.
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

I missed payments from XXXX - XXXX of XXXX. XXXXXXXX XXXX XXXX XXXX XXXX called and offered to put those four payments at the end of my mortgage if I made 3 payments XX/XX/XXXX - XX/XX/XXXX. They then sent me a loan modification ( not what they offered ) and sold my mortgage ( end of XXXX? ) to XXXX XXXX XXXX XXXX XXXX XXXX. I made the payments ( one to XXXXXXXX XXXX, then 2 to XXXX ) but refused to accept the loan mod as it added 14 years to my mortgage term. 

While trying to figure out what went wrong, XXXX XXXX XXXX then sold my mortgage to Right Path Servicing ( RPS ) / Nationstar ( XX/XX/XXXX? ). I then spent many more months trying to figure out what was going wrong. RPS then offered me a loan mod if I made 3 payment XX/XX/XXXX - XX/XX/XXXX. Fatigued from the delay I accepted and made the payments. They then rejected the loan mod in XXXX, probably because interest rates had risen and they couldn't offer a monthly payment commensurate with my existing XXXX XXXX mortgage per the rules. 

Frustrated with being run around I called a HUD counselor ( XX/XX/XXXX ) who explained that XXXXXXXX XXXX  likely tried to illegally transition me from the " payment deferral '' they offered to a " loan modification '' because their HELOC would be moved from XXXX to XXXX position, thereby increasing their risk. Wanting to hide their mistake, they then sold my mortgage to obfuscate matters. Note that I recently received some paperwork which said XXXXXXXX XXXX  was now the holder of the mortgage again ( XX/XX/XXXX ) although RPS is still claiming to be the servicer. Calls to RPS have been cutoff as their phone system is clumsy at best.

I am seeking mediation. My loan information is : Right Path Servicing / Nationstar XXXX XXXX ( XXXX ) XXXX LOAN NUMBER XXXX XXXX XXXX Due as of XX/XX/XXXX : $ XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I have been trying to resolve an issue with my checking account, for unauthorized cash withdrawals that resulted in {$520.00} being withdrawn & debited from my account on XX/XX/2022. I have called & written my bank several times, with no resolution except a standard response " We've conducted our investigation using the information that you provided about the dispute. With the information we had, it was'nt enough to support your claim and resolve the dispute in your favor. Please contact the merchant directly if you wish to pursue this matter further '' This is a bogus & ridiculous response, because there is no merchant involved except my bank that processed the unauthorized cash withdrawals, & charged the extra fees for the withdrawals. I have called and written for over six months now attempting to resolve this very stressful matter.
Consumer complaint received 2023-12-05
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: EQUIFAX, INC. (PA)

I have unauthorized inquires on my equifax report. 


XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX Both inquires are not mine. Remove them immediately or XXXX have to contact my lawyer. Equifax was called they refused to provide proof after I requested removal
Consumer complaint received 2024-04-07
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. (NJ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 


Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX  ] XXXX Experian : XXXX XXXX XXXX
Consumer complaint received 2024-04-06
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. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Credit Bureau RE : Update Personal Information To Whom This May Concern : I am writing to ensure the credit bureau is reporting accurate information at all times. I have highlighted the areas below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the following inaccurate names : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate telephone numbers : ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX I am filing this consumer complaint and consumer check for compliance of the particular items that you are reporting under FACTA Title 1 section 151. I have enclosed copies of my state ID and social security number to validate my identity. 

Regards, XXXX XXXX
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

On XX/XX/XXXX I received my approval for a flex loan modification from Cardinal Financial. The letter stated I had 14 days to accept. A drive by servicer came to our home to serve us foreclosure paperwork on Saturday XX/XX/XXXX. I called on Monday XX/XX/XXXX and was told there was an error on the date that was sent out and the foreclosure was stopped. There is a lawsuit that was filed with XXXX XXXX Florida that shows XXXX XXXX XXXX on behalf of Cardinal Financial Company filed foreclosure on our home on XX/XX/XXXX. We had not even received the modification paperwork at that point. 
Our home was severely damaged by Hurricane Ian. We have a XXXX XXXX XXXX. There is a moratorium on foreclosures and negative credit reporting for 12 months post Hurricane Ian that hit us on XX/XX/2022. Cardinal Financial has reported us delinquent on the loan and has the foreclosure lawsuit on hold. I have asked both XXXX XXXX and Cardinal to DISMISS THE LAWSUIT IMMEDIATELY AND WITHDRAW THE XXXX XXXX  AS THEY HAVE VIOLATED THE INVESTORS SERVICING GUIDELINES FOLLOWING THE NATURAL DISASTER, HURRICANE IAN, THAT HAS HAD A DEVASTATING DIRECT EFFECT ON THE COLLATERAL FOR THE LOAN. 
THIS FILING ON OUR PROPERTY IS HOLDING UP FUNDS AND PERMITS TO REPAIR OUR HOME. XXXX XXXX XXXX XXXX XXXX FL XXXX Cardinal is also holding onto our insurance checks that were sent to them to endorse : We need the funds released and they keep sending inspectors that dont report on the entire house repairs. Cardinal Financial is holding over $ XXXX that we need to pay the framer so the roofing company can put a roof on our home. Cardinal states that only 40 % of the roof is complete so they wont release the funds. The funds arent all for the roof. We had to remove all of the drywall in the rooms where the roof came off and the ceilings fell in. We have finished the drywall in the master. Rebuilt stairs to be able to get to the second level to mitigate. Tree removal, mold mitigation etcCardinal Financial has made a natural disaster into a long, painful, credit wrecking, frustrating 10 month long process of fixing our home. We have been living at our neighbors house for the past 10 months. Now that we are getting checks from insurance, Cardinal is holding them and then unlawfully filed a lawsuit for foreclosure, which is holding us hostage yet again to be able to get back into our home.
Consumer complaint received 2024-04-06
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. (NC)

Despite numerous written requests, the unverified accounts listed below persist on my credit report, constituting a violation of federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the specified timeframe, and continues to report unverified information. Given all my efforts to address this matter directly with the creditor, this can now be construed as willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. Inaccurate XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX.
Consumer complaint received 2023-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Dear Sir/Madam, I am writing to you with regards to a pressing matter concerning my PayPal accounts XXXX My name is XXXX XXXX, and in the year XXXX, I processed about XXXX USD. Unfortunately, due to the unprecedented circumstances surrounding Covid-19, I was unable to deliver some of my orders on time. As a result, I received complaints from some customers, which led to PayPal freezing my accounts. 

They stated that after 180 days, I would be able to withdraw the funds. After the 180-day period had passed, I checked my accounts, but there was no money in them. To my dismay, I discovered that PayPal had withdrawn all the funds to their accounts. Since then, I have been tirelessly trying to get in touch with PayPal, but to no avail. 

After contacting PayPal customer service for numerous times, I was eventually able to get an answer and it was the account has a negative balance because of a refund and now my account was with a collection company. I even received letters from this collection company based in XXXX XXXX. 

During my interactions with the customer service team, I have been informed that my account has been blocked due to a refund, and the account balance has been negative by {$130.00}. I want to clarify that I am not the reason for the negative balance in my account. I had over {$70000.00} USD in my account, and PayPal withdrew everything, which caused the negative balance. This was done by PayPal without my consent or knowledge. 

I have been asked by the customer service team to pay the negative balance to unlock my account and I can access the messages PayPal sends to me in regards to the issue, However, I am not in a position to pay that balance as all the money withdrawn by PayPal was from my credit cards, which are now maxed out and over limit. Most of the money invested in the business was from my credit cards. Now I am left with thousands of dollars in debt and having a hard time supporting my immediate family, including my XXXX child, my wife, and my elderly parents. 

I am writing to you today in the hope that you can assist me in resolving this matter. I would be grateful for any help that you can provide in retrieving my funds. Thank you for your understanding and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been asking this company for several years to confirm that this credit card belongs to me, which they have not done. I do not recognize this account and never opened it. I noticed this account on my credit report in 2020 and reported it to XXXX XXXX. I am a victim of identity theft and have filed a report with the Federal Trade Commission, which I sent to the credit reporting agency. However, this account is still on my credit report, and it needs to be removed because it is not a valid account that I authorized.
Consumer complaint received 2024-04-06
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. (LA)

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy.
Consumer complaint received 2023-12-13
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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