davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MS)

My loan was purchased by Mr. Cooper from XXXX XXXX in XXXX of this year. Little information was relayed to me about this transition, but I did get my account set up and autopayments were made in XXXX and XXXX on my account. Sometime in XXXX, they added a message in my account about autopay being turned off if I did not confirm it ( again? ) - this was not in a message center, but instead buried under statements -> miscellaneous documents. As a result, I did not make a payment in XXXX or XXXX. When I discovered the issue I talked to them and made a single payment, but their system would not allow me to set up autopay for " XXXX hours '' - I logged back into the system to set it up and that option was not available for several days. After setting up auto-pay I saw that my monthly mortgage amount had changed. This took another call to Mr. Cooper to find an obscure separate area for communication ( Again NOT located in the message center ) to find an " escrow analysis '' that had lowered my payment. I am in statistics and could tell that the analysis was incorrect and had me severely underpaying. Sure enough, I also discovered, through another obscure area of the site that they had inappropriately issued a check for overage to my escrow account that did not factually exist. This prompted them to need to apply this to my account which means I have to, yet again, turn off auto-pay and remember to come back in XXXX months to pay the difference in my XXXX payment and then AGAIN later in the month to reinstate autopay. I also found that they had discovered their issue with the escrow account analysis and although my payment had been $ XXXX up until XX/XX/2023, dropped to {$980.00} for XX/XX/2023 on, another escrow analysis has it increased to almost {$1400.00} in XX/XX/2023. This company has made it almost impossible to just simply pay my mortgage - canceling auto-pay, sending messages in obscure areas of their site ( with no link to the centralized message area ), and putting changes/policies in place that mean I have to constantly log in to manipulate options for payment. I have never been late on a mortgage payment in my life until Mr. Cooper and am facing additional months of constant manual and active requirement to jump through their hoops to simply pay it. A monthly payment swing of almost $ XXXX based on their poor planning is also not reasonable for a customer, especially with little to no communication. With loan % rates, it's not reasonable for me to refinance at this time, but it's completely unacceptable that Mr. Cooper can continue to operate this way legally.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As I reviewed my most recent Credit Report, I noticed that there are accounts that still appear on my credit report after I sent my investigation request and I find these incorrect and inaccurate. I request proof that you went through all the proper and legal steps that would have been necessary to verify. 

Kindly eliminate/block the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-10-17
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Account : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX Inquiry Dated XX/XX/XXXX, XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX - XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX  XX/XX/XXXX, XXXX - XXXX Inquiry XXXX XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-10-17
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 am writing to complain to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SN SERVICING CORPORATION (TX)

For the last months I have been trying to get a loan modification to not lose my home and XXXX XXXX ( assigned representative ) refuses to work with me. I am doing my best to keep my home but when I communicate or try to speak with Sn servicing especially XXXX she never answers the call and all other representatives only say " Theres nothing we can do for you '' I have a recording of it as proof. I spoke with XXXX XXXX  XXXX. I even asked for a manager and the response is " what do you think shell do for you?, nothing. '' again, I have the recording to prove it. He gave no importance to my needs and situation. I Also spoke with XXXX, whom claims to be a supervisor. which wasnt much help either. All she can say was she had approached the account specialist to see what happened. Claiming there was a letter sent to me in XXXX or XXXX requesting additional documents but it was never received and when asking for a copy of the letter they were not able to locate it. Just proving it was never sent. I believe XXXX is not servicing my loan and my requesting in assistance. to this moment I still have not heard from the assigned rep XXXX after all the calls and complaints i did all morning. I need all and every help to keep my home and stay in it and no one is willing to help me
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (NJ)

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 XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-17
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)

It was XXXX loan from XXXX and they sold my information to another XXXX XXXX XXXX XXXX company with out my consent and now report XXXX XXXX XXXX report late payments and wrong information on my credit report when acct was in good standing and no late payment
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

Synchrony Bank monitors TJ Maxx card. I have had this account for years and I do not use the card if you can see the minimum payment is {$30.00} and I have been paying {$60.00} all the time and my balance is NOT going down any!! They lowered my credit limit, it was much higher when I opened the account over 7 yrs ago, It should not take that long to pay off an account. Synchrony cheaps people and they need to be exploited for their poor practices to American people {$790.00} * Current Balance VIEW ACTIVITY {$360.00} * Available to Spend {$1100.00} Limit REQUEST MORE Paperless Statements- ON Text and Email Alerts- ON Additional Authorized Users - 0 PAYMENTS {$30.00} Minimum Payment Due VIEW PAYMENTS 13 days Monthly Due Date XXXX Account ending in XXXX Minimum Payment Due {$30.00} 13 days Monthly Due Date XX/XX/2023 remind me Last payment XX/XX/2023 {$60.00}
Consumer complaint received 2018-12-13
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. (MO)

I contacted XXXX XXXX XXXX in regards to a lien that was taken out on my car that was not taken out by me. I have disputed this information and I have tried to contact the company through the XXXX. This company has not responded back to me. I am requesting that the credit breaus take the information off of my credit report because this debt was a result of fruad. someone took a lien out on my car and my car was taken and these people are still showing a balance on my account. XXXX XXXX XXXX has not gotten back to me the two times I have contacted them in regards to this debt.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It was XXXXt loan from XXXX and they sold my information to another XXXX XXXX XXXX XXXX company with out my consent and now report XXXX XXXX XXXX  report late payments and wrong information on my credit report when acct was in good standing and no late payment
Consumer complaint received 2023-01-09
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
XXXX SC XXXX XXXX XXXX  
Reference num. XXXX
Account from XXXX XXXX XXXX

For the amount of XXXX
I never seen herd of these people or company ever
Consumer complaint received 2023-10-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (GA)

Nonrenewal lease notice sent by email XX/XX/XXXX. Acknowledged by then property XXXX XXXX XXXX. 
Dropped off unit keys on XX/XX/XXXX as agreed along with forwarding address and phone number. 
XX/XX/XXXX sent email to XXXX XXXX asking if I was getting any or all of security returned to me. Email unacknowledged. 
XX/XX/XXXX sent email to XXXX XXXX asking how alleged amount was sold to collections when I never received a printed or emailed itemized bill. Email unacknowledged. 
XXXX XXXX emailed XXXX XXXX, assistant property XXXX. XXXX stated I had to speak with XXXX XXXX agency since alleged bill was over a year old. 
XX/XX/XXXX, I called XXXX and they had no record of my account. 
I received no itemized printed debt validation notice by email or XXXX from XXXX XXXX, XXXX XXXX, or ProCollect.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} U S DEPT OF EDXXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance XXXX {$2900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CT)

Recently my student loans were transferred to Nelnet. 
I applied for a SAVE repayment plan, and my student aid profile says the application has been reviewed by nelnet, and the case is marked Closed. Yet I have not had a single email ( or other ) communication from Nelnet, other than a bill that I can not afford that is due tomorrow. 
The most frustrating piece is that every time I call Nelnet I am stuck on hold for extreme amounts of time. I have not yet been able to get through to an actual person to ask what happened to my XXXX application, and why have I heard nothing about it? 
It feels like they are stalling on purpose - as Ive found vis XXXX that I many others are having the exact same problem.
Consumer complaint received 2023-10-17
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXhas 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
Consumer complaint received 2023-10-17
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: Kikoff Inc. (CA)

On an initial complaint filed with the cfpb against kikoff for a billing error that occurred XX/XX/23 where the customer service agent could not find the charge to dispute it. Kikoff responded by having a senior account specialist contact me to process the dispute on XXXX and I was told that this could take up to 60 days. 

On XX/XX/23 I called to follow up with the dispute and see what was taken so long, only to be informed that the dispute handled by the senior account specialist on XX/XX/23 was NEVER even processed and that the dispute would need to be re submitted. 

It has now been XXXX days since I began disputing a transaction from XX/XX/23 for the amount of {$310.00} from XXXX XXXX XXXX themselves admitted to the gross miss calculation and billing error and advised me to file a dispute saying that this would be the fastest way to have my money returned to me. 

Now XXXX months later, 3 senior staff members from kikoff, 2 complaints with the CFPB and this dispute hasn't even been initiated by kikoff yet. 

What do I have to do for kickoff to comply with FCRA a FDCPA regulations?
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX and Account as is reported as having a late payment my credit report : XXXX XXXX  XXXX XXXX, Credit Card, Account Number : XXXX, XX/XX/XXXX XXXX. XXXX XXXX, Cell Phone, Account Number : XXXX, XX/XX/XXXX I am demanding that these accounts be updated to Paid as Agreed and Never Late.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i reachout numerous times to XXXX transunion XXXX about fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE FCRA SEEKS ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 1681 { A } 15 USC 1681 I [ A ] 1 ] [ a ] the cra tha negligently fails to comply with the fcra i would like these items removed due