davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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. (GA)

Today, I am following up on a previous complaint to highlight my ongoing issue of being a victim of fraudulent activity. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are mandated to delete any entries noted on an identity theft report, reference number XXXX. Enclosed, please find the necessary documentation aimed at facilitating the removal of inaccurate personal information and inquiries mistakenly recorded on my credit report. Below are the specific items opened without my consent : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per Section 605B ( a ) of the FCRA, Credit Reporting Agencies must expunge any consumer file entries identified by the consumer as arising from purported fraudulent activities within 4 business days of receiving such notification.
Consumer complaint received 2020-04-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Onity Group Inc. (FL)

The undersigned, XXXX XXXX, is being named Defendant in a wrongful foreclosure lawsuit against him brought in the name of XXXX XXXX  XXXX, ( no address was provided ) allegedly as Trustee, on behalf of unidentified purchasers of so-called mortgage pass-through certificates, series 2006-AR6, of a non-existent XXXX XXXX XXXX XXXX ( not registered anywhere ) ( Case # 2018ca2401 Manatee County, Florida ). 
Attorneys for claimant ( s ), whoever they are, do not dispute that these " claimants '' have no relation to the alleged debt as they have never purchased it ( which is a clear requirement under Article 9-203 of the Uniform Commercial Code ), have never had it on their books as an asset or a liability, have suffered no damages, but are set to receive unlawful off-the-books profits from forced sale of the homeowner 's property ( and have already achieved that in thousands upon thousands wrongful foreclosures around the country ), and would stop at nothing to hide their identities with their counsel 's collaboration. The complaint, however, does state and make the Judge believe that foreclosure sale of the property is to repay the debt owed to claimants, which is not true. 
A case from Washington State, Cashmere Valley Bank v. State of Wash, Dept of Revenue, 334 P. 3d 1100 ( Wash. Supreme Court 2014 ) explains in detail investment certificates are not secured and not entitled to foreclosure. PLEASE HELP me personally and also forward it to Task Force Docket # XXXX to help thousands of of other homeowners being wrongfully foreclosed upon.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

My husband andihave been trying to get our modification cleared up since 2010. We were in the process of being approved for a modification when pur mortgage was sold. We were never notified of our changed interest rate and allowed to resume payments and have been struggling to get a modification every since. We have app, XXXX at least XXXX times and have verbally denied each time with no written documentation toback this up Now we are considering g filing another Chapter XXXX tAnd payingtheXXXX payments arrears just so we can remain in our home. XXXX, y want to be able forest me payments with arrears put to the back of the loan we are not looking for a lower payment.
Consumer complaint received 2023-10-19
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. (TX)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-14
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. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (DC)

Subject : Complaint Regarding Unethical Practices by Mr. Cooper ( NATIONSTAR ) Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health. My name is XXXX XXXX, I am writing to bring to your attention a matter of great concern regarding the mortgage company, Mr. Cooper ( formerly NATIONSTAR ). I have been a customer of Mr. Cooper for a little under a year. Recently, I have become aware of a series of underhanded practices that I believe warrant investigation. Despite having a fixed-rate mortgage, I have noticed a significant and unauthorized increase in my monthly mortgage payments. These alterations have been made without my consent, leaving me financially burdened and struggling to meet my obligations.I have made numerous attempts to contact Mr. Cooper 's customer service department to seek clarification and resolution, but unfortunately, I have received no satisfactory response. Also, previously I've had numerous problems with them and it truly stressful. 

This has led me to believe that there may be a systematic issue within the company 's practices, potentially affecting other customers as well.I am deeply troubled by this situation and believe it is imperative for the Consumer Financial Protection Bureau to investigate this matter thoroughly. It is essential that customers like myself are protected from deceptive practices and ensure that financial institutions are held accountable for their actions.I have attached relevant documentation, including copies of my original mortgage agreement, recent statements, and records of my attempts to communicate with Mr. Cooper. 

I trust that you will treat this matter with the seriousness it deserves, and I hope for a prompt and comprehensive investigation.Thank you for your attention to this critical matter. I look forward to a resolution that not only addresses my specific concerns but also ensures the protection of consumers in similar situations. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MA)

I ave spent {$5000.00} to buy bitcoins from coinbase on XX/XX/XXXX. At the time the transaction happened, they did not ask me for any kinds of verification. Now that I want to sell those, they ask me for ssn verification and it always failed for me even though I have all information correct. I tried to reach out to their support team, all they replied is to ask me try it out more which is ridiculous.
Consumer complaint received 2024-03-14
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 reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

Deposit total of {$3700.00} being held for 5 business days. I am traveling internationally with my XXXX  XXXX  children without access to other means of money for shelter, food and travel home. Deposits made on the XXXX and the XXXX and am told I will not have access to it until the XXXX. Attempted escalation multiple times with no resolve.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Finance Company, LLC (OH)

I received a call today from a company that did not identify itself when calling. They suggested I have a debt owed to them for a credit card. The person was rude, threatened damage to my credit and threatened daily harassment.
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-15
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
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. (PA)

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 2023-10-19
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-14
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)

This is the several times I've complained about being a victim of identity theft. You must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) 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 Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$3700.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  Balance : {$19.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00}
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Albert Corporation (CO)

I used Albert and they took a yearly subscription payment. I asked for it back, they told me to withdraw my money, but every time I try its a different amount and then says I have a XXXX balance despite $ XXXX being available. In other words, Albert is holding my investment hostage so they can charge me for a yearly subscription, and their customer support has not responded.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NJ)

This complaint in with NELNET Student loan servicing. I have had an account with Nelnet since  XX/XX/XXXX ( ACCT : XXXX and XXXX ) and ( Address ID XXXX ) that of which I have was enrolled at XXXX University doing an undergrad program. Upon receiving my loans from XXXX Nelnet assured me that I would not go into default but into a forbearance program that would defer my loans until I graduate. 
Subsequently, I did not do well at XXXX and enrolled at XXXX University. I then received more loans from Nelnet and also had them placed in forbearance and stated to me that my loans would be due 6 months after I graduate. My date to graduate from XXXX was in XX/XX/XXXX. However, I completed the program early and my degree was conferred in XX/XX/XXXX. 
I immediately started getting loan payments from Nelnet of {$600.00}., {$450.00} and other amounts. 
I immediately called Nelnet and informed them that my 6 months had not expired when I began receiving these notices in XX/XX/XXXX, Nelnet informed me that my time expired and that the loans were due. I replied that no one informed me of any time period between my lapse in school which was two months two receive my schedule and transcripts to be received to start school at XXXX University. 
Therefore, my loans were placed as being 30 + days late. I have pleaded with them, because I have never been late on my loans with Nelnet as proof is given. 
As a result, I got my lawyer to intervene on XX/XX/XXXX and on XX/XX/XXXX, as of yet NELNET has not returned any calls or written correspondence to myself or my lawyer. 
I am asking that these late payments from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are removed from my credit report because I was NEVER late to Nelnet.
Consumer complaint received 2023-10-19
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. (NC)

Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MA)

XXXX XXXX via XXXX XXXX. I fully paid off my balance. I had XXXX due. I have paper bills with XXXX dollars due on them. I just noticed they started sending me bills for late fees on my XXXX dollar balance. I want the charges reversed and the inaccurate information removed from my credit report. I did call and explain to them what happened and let them know I would report them to the FTC and the customer service rep told me to go right ahead.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Re : XXXX XXXX and XXXX  XXXX XXXXXXXX Account No : XXXX Balance Due : {$4800.00} XXXX No : XXXX Proposed Settlement Amount : {$2400.00} Accordance with the fair credit reporting Act XXXX XXXX Account # XXXX Has violated my rights 15 u.s.c 1681 section 602 A states I have a right to privacy It also states a consumer reporting agency Can not furnish and account Without my written instructions please delete asap
Consumer complaint received 2023-10-19
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (SC)

I called Experian to dispute and change dispute status on a few items on credit report and a representative was in the process of verifying my address when she stopped and said she didnt see my address on file and I would have to upload my identifications. I been using Experian for months and never have I had to do this she was talking over me and I requested for a supervisor and was on hold for about 20 minutes. 1. The Experian.com/uplaods do not work on my computer and I complained about that having to send things certified mail. 2. Not having my address or proper information all this time means that my disputes have not been investigated properly cause it keeps coming back remain or validated and according to FCRA sec 623 enforce FACTA 312 if your unable to perform a reasonable investigation then by law you are required to remove the negative items and information off the account. Experian has to be accountable for their actions
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (NY)

These accounts are reported with incorrect information in my report even though they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-19
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. (NY)

These accounts are reported with incorrect information in my report even though they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX