davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am writing in response to your demand for payment on the purported note and mortgage associated with XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. As you assert that you are the holder of the note and mortgage, I request that you provide a copy of the endorsement or allonge showing that the purported note was properly negotiated, accepted, and transferred to your entity. I also request the mortgage assignment. Pursuant to UCC 3-501, which grants me the right to request reasonable evidence of your authority to enforce the note, I kindly ask that you furnish the necessary documentation to substantiate your claim. This documentation will ensure that the demand for payment is valid and that I am remitting payment to the rightful holder of the instrument.
Consumer complaint received 2023-12-12
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. (MA)

I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding inaccuracies in my credit report maintained by Experian. On XX/XX/XXXX, I contacted Experian to dispute the following inaccurate information on my credit report. Despite the passage of time, Experian has not provided any response or taken corrective action. I am seeking your assistance in resolving this matter promptly. 
Details of the Inaccurate Information : XXXX XXXX  Date Opened : XXXX. XXXX, XXXX XXXX : {$110.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX Balance : {$85.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX XXXX : {$0.00} Please correct this inaccurate information on my credit report. 

XXXX / XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX XXXX / XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$0.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Please remove it from my credit report as it is not mine. 

XXXX XXXX - XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Please remove it from my credit report as it is not mine.
Consumer complaint received 2023-12-12
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. (TX)

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 2024-07-12
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SLM CORPORATION (FL)

In XXXX, XXXX XXXX and XXXX XXXX fraudulently opened a student loan with Sallie Mae for {$25000.00} using my Social Security number without my consent. XXXX XXXX passed away in XXXX due to XXXX, and XXXX XXXX XXXX now an adult. I was made a co-signer for this loan and only became aware of it in XXXX when XXXX began missing payments. Despite XXXX only paying interest and not the principal, XX/XX/XXXX refinanced his debt. 

I have attempted to contact XXXX for repayment, but he has blocked all communication and is currently residing in XXXX XXXX, where U.S. laws do not apply. I contactedXX/XX/XXXX, who advised me to file a police report, which I did. I was a victim of fraud perpetrated by XXXX XXXX, and the police have documented this case as fraudulent. 

Despite this, I recently received a letter from XX/XX/XXXX stating that I am responsible for over {$37000.00}, even though I have provided documentation of the police report. I have pressed charges against XXXX XXXX, and I firmly refuse to pay this amount as I am a victim of fraud. 

I have provided XX/XX/XXXX with XXXX XXXX 's contact information, and it is their responsibility to pursue action against him. They have his Social Security number. 

XXXX XXXXXX/XX/XXXX contact information : Phone : XXXX Email : XXXX The police officer handling the case : Detective XXXX Case # XXXX Phone : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, MD
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' No financial Institutions, or Consumer reporting agency, Chex Systems do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Chex Systems, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX5 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Chex Systems, has never informed me of my right to exercise my nondisclosure option. Chex System has not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I submitted a certified letter XX/XX/2023 tracking number XXXX demanding proof of alleged debts XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX in the amount of {$5100.00} and XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX for {$15000.00} and to Validate the debt with original Purchase agreement with all parties signatures, Also I demanded that they delete all prior reporting made to any consumer reporting agencies including XXXX, XXXX, Experian, XXXX and to cease reporting any collection efforts during the validation period. Also to note the account as being disputed in the remarks section of my report. As of XX/XX/XXXX  nothing has been done to my account they are still reporting this debt with no proof or Validation that it is mine and they have ignored 2 Certified letters 2nd tracking number being # XXXX. Experian, XXXX, and XXXX all replied to my first dispute and request for validation was " item has been verified '' The E-Oscar software is not Validation or re-investigation and proof that an investigation was properly done and no proof of Purchase Agreement was supplied or the removal of debt while investigation took place.I also made them aware on the second letter that I would be filing a complaint with the CFPB and the XXXX  because they are reporting misleading information that is causing me hardship and distress not being able to purchase a home for my family. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v.Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, therefore exist.
Consumer complaint received 2023-12-12
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX 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 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I filed a complaint with your organization against my lender Nationstar/Mr. Cooper a few months ago. I was hopeful that Nationstar would understand my situation and agree to work with me towards a modified mortgage loan. Instead, Nationstar/Mr. Cooper has refused to negotiate and is claiming that there are no options for me other than deed in lieu or short sale. they are claiming this is due to the fact that the " investor '' only allows one loan modification over the 30 year life of the loan. Nationstar has not provided the name of the investor. they have not provided a copy of the pooling and servicing agreement. They have not provided documentation on the other loans in this tranche. This was a subprime loan with an interest rate that STARTED at 9.37 % and was written by XXXX. I would be ASTONISHED if this investor truly only allowed one modification per life of loan, because this was a toxic pool of loans that were adjustable with high interest rates. I am certain there have been multiple defaults and also many instances where there were multiple modifications. This appears to be an attempt by Nationstar/Mr. Cooper to obstruct me from access to government and internal programs that should be made available to homeowners in my situation. 

We encountered a true hardship in XX/XX/XXXX. My mother fell gravely ill and I had to travel to the XXXX XXXX to care for her. I was not able to work for several months while caring for her until she XXXX. Right when I returned my wife was laid off of her job so were financially strapped and that's when we fell behind. We attempted to work something out with Nationstar and could not make any progress. We hired a third party to help us and they did nothing. Several months ago we reached out to Nationstar to try and get them to complete a review because we have had a change in our financial circumstances. Nationstar ignored us, so we filed complaints and got their attention. However, even after doing that they refused to review this information. We are both working and have our adult children living with us who are contributing. I don't understand why they won't look at our information. Nationstar is claiming it is because we received a past modification and that the investor does not allow a second modification. I do not recall receiving a modification in XX/XX/XXXX. I do not recall an offer for a reduced interest rate and reduced payment. We were told on the phone that it looked good to qualify, but then on a future call that person was no longer working there and they told us no, it did not look like that option would be available. 

We need Nationstar to stop playing games and to postpone the upcoming sale date and actually conduct a review based on our current and correct financial information.
Consumer complaint received 2023-12-12
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. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Capital Services, LLC (AZ)

I defaulted on my loan with vault due to losing my job. They sold my debt to third party agency to collect the debt. They reached out to me through email regarding the debt. I replied to their email inquiring about making payments and what I could do on XX/XX/2024. They never responded.. They began reaching out to multiple relatives including my sister and left her a voicemail regarding my debt and personal information. I called them and asked them not to call any relatives and they stated they could not reach me. I let them know I just sent them an email and they never responded so the only reason they call different people is to threaten you and embarrass you which they did. I was crying, embarrassed and I was at work. I set up a payment plan with them and requested to only call me moving forward. On XX/XX/2024 my payment was not going to go through due to a bank issue. I contacted the agency early in the morning at XXXX and notified them that my husband will be calling them shortly to make the payment with his debit card. They stated they would add notes. XXXX minutes later they began contacting my relatives again notifying them of my debt and leaving voicemails with my name and personal information. My husband was already on the phone with them making a payment and in the mean time they still proceeded to make phone calls to my relatives. I am anxious and worried and I have no idea who this settlement company that they sold my debt to is. They are violating their rights as they are not following the law and continually make threatening calls of legal action. I would like to know who is the debt company that vault sold my loan to and if they took the time to analyze if this was a legit company. They continue to harass me and family members even though I am keeping in contact and making my payments as arranged.
Consumer complaint received 2018-02-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Around XX/XX/XXXX I applied for a Home Modification Loan through Nationstar aka Mr. Cooper and it would go until XXXX. I paid every month on time. It reduced my monthly payment considerably. Well before XXXX ended I called Nationstar to see what options I had after XXXX was over and they told me that they were going to submit me again for another modification loan. Well I waited and waited and called and called. I finally found out that the second loan modification was denied and I needed to pay {$28000.00} or go into foreclosure. I asked if there was anything they could do and one representative mentioned doing another loan modification. I told him they just submitted one and it was denied. He said well we can try again. I asked if he needed anything from me like check stubs or bank statements and he said no just like the previous time that I was denied. This came back at the beginning of XX/XX/XXXX as denied also and now the amount to reinstate and keep my house is {$33000.00}. I even asked if they could tack it on the loan. They said no and my monthly rate has gone up now from {$2100.00} to {$2200.00}. I have written to XXXX XXXX, CEO and he hasn't responded yet. This just doesn't sound legit to put someone in a home modification loan and then ask for the full balance when the modification is over. Not giving me any time to pay. I have been told that I can't pay payments unless its the full sum of what I owe from the entire year of XXXX. The Loan Modification was {$620.00} a month and I found out they were holding that in an account until during the loan they collected {$2100.00} and then they would apply that toward the loan so during the entire Mod I essentially only made 1 full payment and that is why I owe {$33000.00} for payments, late fees and attorney 's fees.
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (IL)

On XX/XX/XXXX, I requested that the escrow account associated with my Mr. Cooper mortgage be cancelled. In response, Mr. Cooper granted my request on XX/XX/XXXX ( see Mr. Cooper correspondence ) and indicated that my XX/XX/XXXX payment would now be {$1600.00} ( principal and interest only ). However, despite Mr. Coopers assertions in their written correspondence, their payment site indicated that I still owed P & I and the escrow portion of {$880.00} for a total of {$2500.00}. As a result, I made my full payment on XX/XX/XXXX. ( See evidence of payment provided from Mr. Cooper via email. Also notice that the monthly payment on the receipt indicates that {$2500.00} was owed. ) On XX/XX/XXXX, I requested the status of my escrow account refund through Mr. Coopers secure messaging site. On XX/XX/XXXX, Mr. Cooper indicated that my escrow check was issued on XX/XX/XXXX ; however, the amount issued didnt include the most recent escrow payment I made on XX/XX/XXXX. On XX/XX/XXXX, I informed Mr. Cooper that they mistakenly applied the {$880.00} toward pay-down of the principal on XX/XX/XXXX, that their payment site didnt indicate that the {$880.00} would be applied to the principal ( meaning I never authorized the money to be used that way ) and that I needed this money to pay my XX/XX/XXXX local property taxes when theyre due in XX/XX/XXXX. Mr. Coopers response thus far has been to first deny reimbursing me the money, then indicating that Id receive a written response, then, upon receiving the written response, informing me that theyve deferred the decision until XX/XX/XXXX. At this  point, due to Mr. Coopers denials and delay tactics, I have no confidence that theyll reimburse me the full escrow amount that Im entitled to, and I fear that Ill have to make up the shortfall when my taxes are due.
Consumer complaint received 2023-12-12
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (KY)

I am being chargerd for a credit card that I never opened since at the time it was opened I was XXXX and not able to open a credit card and they wont stop coming after me for the balance due.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

XXXX XXXX, XXXX  I tried to set up an online account to log into EQUIFAX. But, EQUIFAX REJECTED ME ; BECAUSE I DON'T HAVE A MOBILE DEVICE and can not enter a mobile phone # into online setup page of EQUIFAX. I called EQUIFAX foreign based customer service XXXX. Man tried to setup online A/C. But, EQUIFAX online system REFUSED to setup an online EQUIFAX A/C so I could log into my EQUIFAX credit info. Again, EQUIFAX IS DEMANDING A MOBILE DEVICE PHONE #!! 

NO ONE SHOULD BE FORCED TO USE A TINY MOBILE DEVICE TO DO ANYTHING!!! TINY mobile device is difficult to see, hold, use, popups all the time, ads galore, have to scroll all around screen to resize & see something, difficult to connect to a printer, difficult to scan & save info. ; and WHY SHOULD WE HAVE TO PAY FOR NEW PHONE EVERY FEW YEARS AND PAY EXPENSIVE DATA RATES TO MAKE EQUIFAX HAPPY?! 

EQUIFAX IS THE ONLY ONLINE BUSINESS I KNOW OF THAT FORCES PEOPLE TO USE TINY, CUMBERSON, MOBILE DEVICE TO LOG INTO AN A/C! AND, IS NOT A GOOD ALTERNATIVE BECAUSE CALLING TO CUSTOMER SERVICE IS A BIG HASSLE AND I CAN NOT READ THE DETAILS OF WHAT IS IN MY CREDIT REPORT. 

Equifax really wants mobile device phone number to track people, sell to business & provide to governments, share with XXXX et al. EQUIFAX wants to MAKE MONEY OFF a MOBIE DEVICE that I WOULD HAVE TO PAY FOR, ALSO!!!
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: DIGITAL FEDERAL CREDIT UNION (TX)

I was coerced by a scammer to apply for a personal loan from DCU. The entire money was wired to the scammer. I filed a report with fbi as i was duped. I called the bank and informed that this a bad loan. But they are refusing to remove my name as the primary borrower,
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I opened a claim with Wells Fargo a few months ago after returning from vacation. I purchased city pass tickets for a vacation in XXXX. I paid and purchased a ticket for an infant however my infant child was not able to do any excursions with us as he was to young the company did not refund me or all my tickets as we would not attend I open a claim previous and it was closed I received a letter from Wells Fargo and they want to deduct XXXX from my account.