davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

My name is XXXX XXXX, the Mortgage account holder ( Loan # : XXXX ), with XXXX XXXX Mortgage. XXXX XXXX was formally named NationStar Mortgage until a recent name change, therefore all events initiated under the company name NationStar Mortgage which is now officially named XXXX XXXX Mortgage. I am writing in regards to an Investigation for POSTED UNAPPLIED MORTGAGE PAYMENTS, POSTED INTEREST PAYMENT REVERSAL AND PRICIPAL PAYMENT REVERSAL. Upon reviewing our mortgage payment history with XXXX XXXX Mortgage, I noticed several Posted Unapplied Mortgage Payments dating all the way back to XXXX. 
By Law, there should have been a Suspense Account set up for my Mortgage Account held with XXXX XXXX Mortgage and the Unapplied Mortgage Payments should have been deposited into the XXXX XXXX Suspense Account. 
I am asking a Resolution of the following : Unapplied Mortgage Payments, Interest Payment Reversals, FEES, AND Principle Payment Reversals to be either applied to our Applied as Future Mortgage Payments in the AMOUNT OF {$11000.00} or CASH IN THE FORM OF A CERTIFIED DISBURSEMENT CHECK FOR {$11000.00} :
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
DP OF EDUC XXXX Balance : {$27000.00}, DP OF EDUC XXXX Balance : {$17000.00}, DP OF EDUC XXXX Balance : {$31000.00}, DP OF EDUC XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00}, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-08-31
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. (AL)

Account name : XXXX XXXX XXXX I am writing to formally dispute the charge off listed on my credit report for the above-mentioned account. I believe that this charge off is inaccurate and violates the provisions set forth by the Fair Credit Reporting Act ( FCRA ) and other applicable credit laws. 

I have reviewed my credit report, obtained from your bureau on [ XX/XX/2023 ], and noticed that the charge off is negatively impacting my creditworthiness. As a responsible consumer, I am committed to maintaining a positive credit history, and I believe it is crucial to address any inaccuracies promptly. 

I would like to bring to your attention the following points regarding the disputed charge off XXXX XXXX XXXX XXXX XXXX. Incomplete or Inaccurate Reporting : The information provided in the credit report is incomplete and fails to accurately reflect the details of the account. I request that you investigate and provide a comprehensive and accurate account history, including the original creditor, account balance, and payment history. 

2. Verification of Debt : Pursuant to the FCRA, I request that you provide me with the necessary documentation to verify the validity of the debt. This includes a complete account statement, copies of any contracts or agreements, and proof of ownership of the debt. 

3. Timely Reporting : I believe that the charge off was reported to the credit bureaus in violation of the FCRA 's guidelines. The reporting of this charge off was not done within the required timeframe, and I request that you correct this error immediately. 

4. Statute of Limitations : I am aware that there is a statute of limitations for reporting negative information on my credit report. If the charge off is beyond the permissible reporting period, I request that you remove it from my credit report accordingly. 

I kindly request that you conduct a thorough investigation into this matter and provide me with a written response within 30 days, as mandated by the FCRA. Please ensure that any corrections or updates made to my credit report are promptly reflected across all three major credit bureaus. 

Additionally, I would appreciate your assistance in notifying the original creditor of this dispute and requesting that they cease any collection activities until this matter is resolved. 

Please find enclosed copies of relevant documents supporting my dispute, including my credit report highlighting the disputed charge off. I trust that you will handle this matter with the utmost professionalism and in accordance with the credit laws. 

Thank you for your attention to this matter. I look forward to receiving your prompt response and a resolution to this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

Student loans have been in repayment and IBR for 10 years. Nelnet became the servicer earlier this year. 

I applied for SAVE and have been waiting for over two months. Now I am told that the status is incomplete and is pending a payment. 

After waiting for long periods of time, I was told by Nelnet that I need to pay a {$5.00} fee to continue with the transfer process to SAVE. I never received a letter or email regarding that. However, I did as suggested and paid {$5.00} online. However, it was just applied to the loans and no status changed. 

Second long call to Nelnet, and they told me to call back today as some department had closed for the week and they could not change the payment status. 

It's frustrating that there is no way to process this {$5.00} fee, which I was never notified about in any way ( no email or letter ). It creates unnecessary delay. Meanwhile they are applying {$50.00} or more every day in interest. 

Need some sort of action to resolve this.
Consumer complaint received 2024-05-26
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. (KS)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXXXXXX : # XXXX, KANSAS DEPARTMENT FOR CHILDREN AND FAMILY SERVICES : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX : XXXX XXXXXXXX, CHILD SUPPORT ENFORCEMENT : # XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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. 

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

In XXXX XXXX XXXXXXXX, we created a CareCredit account Synchrony Bank to pay for my son 's braces. This was an interest-free payment plan that we could pay over 18 months, set up through our orthodontist, XXXX XXXX at XXXX XXXX XXXX XXXX The total due was XXXX. We enrolled in autopay, and made regular payments on time. However, at the end of 18 months, there was no alert or warning that this was not, in fact, an interest-free payment plan, but that the interest had been " deferred, '' On XX/XX/XXXX, our account was hit with XXXX in interest charges, and then another of XXXX on XX/XX/XXXX. Again, there was no notice that our 18 months was up, and no request to pay the remaining principal. Further, when I look at the auto-payments, they total {$2400.00}, representing an overcharge of {$340.00}, but when I spoke with their customer care center on the phone, they told me we still had a remaining principle of {$1700.00}. Despite numerous phone calls, they are unwilling to remove the interest charges, and claim currently we owe them more than twice the amount we started out with.
Consumer complaint received 2023-09-22
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)

You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!
Consumer complaint received 2023-08-07
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. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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
Consumer complaint received 2023-02-15
Product: Credit card or prepaid 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 (SC)

I am currently being charged for a subscription with Wyndham XXXX. I have disputed this once on XXXX  and again on XX/XX/ with Barclays. On XX/XX/ I was told I have a subscription with them and they can't stop it even though I have closed and card and notified Wyndham that I wanted to cancel the subscription. Wyndham has said I can not cancel. This is a " Wyndham XXXX '' Barclays Credit Card and they say I must continue to be charged by Wyndham. 
I am currently going through the legal system to cancel this subscription and do not want to continue to be charged on this closed account. Doesn't the credit card do anything to protect my rights?
Consumer complaint received 2024-05-26
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. (IL)

I check my credit report and see inaccurate information on it. It's show late payment that don't add up please removing and delete this account. XXXX XXXXXXXX XXXX XXXXXXXX. It say 30 days late for 2 times and 60 days late 2times and 90 days late 3times. This is all inaccurate information. Please remove this account.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$44000.00} XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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. (TX)

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 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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report.

XXXX XXXX XX/XX/2022 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 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. ( I NEVER HAD A XXXX XXXX, NEVER ACTIVATED, NEVER USED )
Consumer complaint received 2023-09-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mountain Land Collections, Inc. (UT)

On XXXX XXXX my husband received XXXX  at XXXX XXXX XXXX XXXX. We never received a bill from the XXXX XXXX until XXXX of 2023 and it was a statement from Mountain Land Collections with interest and fees added to the original amount due. We had never received a statement from XXXX and had no idea what this could be for as all providers had billed us and were paid in full in a timely manner. Their statement to us only listed a balance due and the interest due and EPIC being the assigner of the account. We contacted Mountain Land immediately and requested a copy of the original bill so we could verify its legitimacy and that it had been processed by our insurance company and that the charges were correct. We made arrangements to pay them {$200.00} a month due the XXXX of the month and requested a copy of the original bill. They sent us a copy of the same summary and not the original and told us we needed to sign a contract with our agreeing to pay all fees and interest. This had every appearance of a scam and made another request for an original statement. They served us papers on XXXX XXXX, XX/XX/2023 after we had made two- {$200.00} payments as agreed, XXXX and XXXX. We contacted them the very next day and asked why they had done this and was told it was because we hadn't signed the contract. We have made requests of both XXXX and Mountain Land to remove all interest and fees as we have complied with the terms of the payment plan and that we have been cooperative. When we finally received a copy of the original bill on XXXX, verified it, we sent a check for the remaining balance or the original bill. We have filed a complaint with XXXX XXXX XXXX as XXXX has a one star rating on XXXX with 109 reviews which cite similar experiences as ours. We have felt very bullied and have not had our emails returned from Mountain Land requesting removal of these unnecessary charges and an itemized statement from them as they keep adding charges to our account.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC (MI)

I contacted the company in question ( Allied Interstate LLC ) stating that I need proof of any signed agreements/documents for this debt in question. I haven't received any responses back from this company and I wish to dispute this claim. I am a victim of Identity theft and had a lot of my finances and information stolen as of XX/XX/2021.
Consumer complaint received 2023-08-18
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: Credit Karma (NY)

CreditKrama, Please vefied proof of application of 101 unknown hand inquires reported and 6 unknown addition pull of the township of these unknown inquires reported by credit karma, I gave no written consent and this is invasion of pricvy. This is Fraud use of my credit card which I do not benefit adverse action 12 cfr 1002.7, 15 USC 1691 and 12 cfr 1002.1 12 cfr 1002.2. 15 USC 168 12 cfr 1002 cfr 1002.16
Consumer complaint received 2023-08-31
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-07
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. (GA)

EXPERIAN AND XXXX, have both allowed a known violator of the Fair Credit Reporting act, i.e. XXXX XXXX XXXX, to place fraudulent collections on my credit reports thereby negatively impacting my credit score which has real world negative impact on my financial health which is intrinsic to my personal well being. 

Everyday that goes by with these fraudulent collections on my credit report is a violation of my rights, a crime against me initiated by XXXX XXXX XXXX and permitted by EXPERIAN & XXXX, who exercise no caution to determine if the alleged debt collection is indeed mine or even valid. 

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account. 
Proof that you are licensed to collect debt in the state of Georgia. 
Your licensed numbers and Registered Agent or Agent of Service. 

I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. 

If I personally dont receive any response from you for VALIDATION of this account within 30 days, all references and claims to this account must be deleted from your files. 

Regards,