davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (ND)

My mortgage company, Newrez llc DBA of Shellpoint mortgage servicing XXXX XXXX XXXX XXXX, SC XXXX is continuously late paying my home insurance. When my insurance agent called them asking why they didn't receive the payment on time they told him that it had been sent and that he should cancel my home insurance. My insurance agent 's phone number is XXXX, he will verify the information I am submitting
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I reached out to Experian about this faulty bankruptcy and they lied and sent me a letter stating the credit bureau confirmed a bankruptcy the courts confirmed that they did not provide Experian with no information and provided me with a letter prooving they did not please help
Consumer complaint received 2024-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

Obtained a student loan for {$10000.00} through XXXX XXXX in XXXX for my son. In XXXX, I received notice from Firstmark Services that XXXX XXXX was no longer servicing the loan, and that they were. I began making payments to them. I have been paying $ XXXXper month since XXXX, equivalent to {$7800.00}. Today I asked the balance, and was told by XXXX that is was {$8900.00} -- which just could not be possible. I questioned XXXX, and initially he attempted to state that i had a deferment or forbearance ; I told him no, I have been paying for 5 years. He then went on to tell me, he had student loans and understand. I understand being ripped off. I asked to note that I would get an attorney or go to the media. He said ok. I asked what happens to my complaint, he said oh, he just notes I was unhappy, or something to that effect. I asked who was over this company, he did not know, tried to say he represented XXXX XXXX, or other " conglomerates ''. I said so you mean to tell me, it takes five years to payback only {$1500.00} out of {$10000.00}? This can't be legal. Transferred me to a supervisor, XXXX. Not someone you want to talk to, he clearly has said this hundreds of times, his answers were mechanical and rehearsed, trying to throw statistics at you, and interest rates, not at all caring how he impacting someone's quality of life. He then stated that this is what I signed with them, and i said my agreement was with XXXX XXXX, not with you. He said they are upholding that agreement. I want the agreement that was signed by me with XXXX XXXX, where is that agreement? I asked what body was over him, who are the Board of Directors ... .deflecting, no answer. I told him nevermind, I would find another avenue to address this problem. This can not be legal, it just can't be to rip people off like this. Who do I need to appeal to have this addressed?
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (NY)

I have a few accounts on my credit that i dont ever remember apply for. These are inaccurate and Dont have a right to be on my credit report. 


XXXXXXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) FACTUAL DATA ( Finance ) XXXX  ( Miscellaneous ) FACTUAL DATA ( Finance ) FACTUAL DATA ( Finance ) XXXX XXXX BANK XXXX Bank ) XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

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.

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 2023-04-25
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. (DC)

Accounts was open in my name fraudulently. 
XXXX XXXX XXXX XXXX opened on XX/XX/2021 and has a balance of {$10000.00}. XXXX XXXX XXXX BANK Credit Card Opened on XXXX and a balance of {$910.00}.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (AZ)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (GA)

I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (NY)

Subject : Cease and Desist Harassment under Consumer Law ( 15 USC 44, 12 USC 83 ( a ) ) Dear [ Debt Collector 's Name ], I am writing to address a matter of grave concern regarding your company, LVND Funding, and its persistent and troubling collection practices. This letter serves as a formal complaint and demand to cease and desist the harassment I have been subjected to in violation of the Consumer Financial Protection Act ( CFPA ), 15 USC 44, and relevant federal statutes, including 12 USC 83 ( a ).

Since 2018, I have been receiving an excessive and alarming number of phone calls from your agency, LVND Funding, in relation to an outstanding debt. These calls have escalated to a point where I am receiving between 9 to 13 calls per day, which not only constitutes a severe breach of my consumer rights but is also causing a tremendous amount of distress in my life. 

Furthermore, it has come to my attention that some of these calls are characterized by foul language, silent calls, and outright harassment. Such behavior is unacceptable and is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) as well as other consumer protection laws. This ongoing harassment not only disrupts my daily life but has a detrimental impact on my overall well-being. 

I would like to remind you that the Congress passed the FDCPA to ensure that consumers are protected from abusive, deceptive, and unfair debt collection practices. These calls clearly contradict the principles set forth by the FDCPA and related regulations. 

I demand that LVND Funding immediately cease all forms of harassment, including but not limited to the excessive number of calls, foul language, and silent calls. This persistent harassment has caused severe hardship in my life, especially considering the challenging economic circumstances we face today. 

I also request that LVND Funding complies with all relevant federal and state laws regarding debt collection practices. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights and seek remedies provided by law. 

I expect a prompt response to this letter, confirming your commitment to cease the harassment and outlining the steps you will take to rectify this situation. Your cooperation in this matter is not only a legal obligation but also a crucial step toward resolving this issue amicably.
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-09-21
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mr. Cooper Group Inc. (PA)

I requested from my lender NationStar XXXX MR COOPER XXXX report my mortgage to 3 major credit bureaus and to show my good payment history for XXXX  years paying my monthly mortgage payment on time so my credit score will go up.
Consumer complaint received 2023-04-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NV)

I was backed up on 2 payments and kept in contact with the company and made a promise to pay. I had told them I would pay on the XXXX but payed on the XXXX of XXXX. I did not have enough funds to pay {$650.00} and paid {$520.00} towards my passed due balance. The payment processed on the XXXX of XXXX and did not think anything of it. I had also told them I was making another payment on the XXXX of XXXX but on the XXXX at XXXX my car was repossessed. I called the same day to see why they repossessed it and said I had to wait 24 hours to get info and what I had to pay. So I called back today XX/XX/23 and asked why it was repossessed after I had made a payment and was told because I was behind on payments. Even though I had already worked it out was going to make the payments and they received my first payment on the XXXX of XXXX they still sent out for my car to be repossessed on the XXXX of XXXX. Im not sure why they did not want to help me or repossessed my car if I was always in contact with them and let them know I would pay and actually made a payment and didnt let me make another payment without speaking to me. I dont believe this company should have repossessed my car if I had made a payment and was always in contact and was going to keep paying.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-21
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. (MD)

CFPB sent me a letter stating that someone submitted complaints on my behalf but it was a falsely accusation. I did the letter many times and I have submitted dispute letters to the Credit Bureaus but the accounts are still on my credit report. It is really frustrating because it affects my credit score and my livelihood and. I will be attaching all the letters that I have sent to them here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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: LEXISNEXIS (FL)

I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IA)

In XXXX XXXX XXXX I had multiple identity thefts. Had addition monitoring services. In XXXX I reported fraud charges on a XXXXXXXX XXXX  credit card. After doing this, fraud charge was credited back to the account. I spoke with XXXXXXXX XXXX fraud department assuring me after there review they were able to confirm fraud / identity theft as the charge was in another state. Confirmed signatures did not match. I learned year or two later it was sent to collections. Now XX/XX/XXXX Resurgent collections has put this on my credit report. I have disputed this with all 3 credit agencies. To my understanding this was complete in XX/XX/XXXX. All other fraud from identity theft has been removed. There was cable, XXXX XXXX, energy. My purse was stolen out of my car in XXXX I believe this and a XXXX email is how it was compromised. I would like to dispute this issue immediately. Please assist me with doing so.
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I have tried for several months to contact NELNET and I can never get anyone on the phone. I've tried doing auto payment and my payment keeps getting declined. I believe they want you to pay the minimum statement amount in order to keep incurring interest charges. Every time I pay more than the amount requested my payments declined. I would to get this resolved but can't get anyone on the phone. I'm thinking they are not accepting it because that minimizes the interest money they will receive. I wish I could get my student loan transferred to another company. This is so frustrating.
Consumer complaint received 2023-08-30
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. (CA)

The listed accounts below are still showing late payments on my credit report despite the multiple letters and appeals sent to Transunion. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. Please UPDATE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC (OH)

The company went through some sort of merger in XXXX which eventually resulted in me losing access to my online portal account sometime early/mid XXXX. Losing access to the portal meant I was no longer able to view my bill or pay them online. In a personal effort to be cooperative I did just pay a few bills over the phone despite my discomfort with that, but eventually stopped after a few months because I wasn't understanding why I was being charged certain amounts and they couldn't provide a bill to explain. My account started to go late in XX/XX/XXXX. 

I spent hours and hours on the phone with customer support on the back half of XXXX trying to regain access to my account, but they continually failed, redirected, blamed me, ect. After countless hours and attempts, the situation finally got resolved at the end of XXXX in XXXX after already being XXXX months late on payments. 

After experiencing months of the worst customer service possible I decided to just pay my bill and close the account. After speaking with some members of management they waived all late fees noting it was their system issues that caused the problems, but apparently didn't remove the late status from my credit report. 

The card was 100 % paid off and closed in XX/XX/XXXX, because I had to call back AGAIN and get another late fee that they added on after I paid removed. 

How do they expect me to pay a bill I'm not allowed to view? The collection reps are allowed to know the total and take my credit card, but can't tell me what's on the bill? Why was I locked out of my account for half a year? How can they tell me it was their fault and remove the late fees, but still mark me as late on my credit report?
Consumer complaint received 2022-11-23
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. (TX)

In according with the Fair Credit Reporting act XXXX Account name- XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-26
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: GOLDMAN SACHS BANK USA (GA)

A trip was planned to go to XXXX and was canceled Goldman Sachs would credit my credit card and XXXX months later add the amount of {$530.00}. back to the card I have been going through this for months and still not getting the amount reversed back to the credit card