davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

RE : State, ex XXXX  Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (GA)

I have Reached out numerous of times in regards of this claim that have yet to get resolved. 

Failing to send you notifications Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes reporting a debt as charged-off when you settled it or paid misstating the balance due Mixed Files Debt Dispute Violations correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) NO MORE TIME THEN THAT TIME FRAME notify every involved that you dispute the debt Privacy Violations CRAs can not release your credit report to just anybody. 

The right to dispute inaccurate/incomplete information Any inaccurate or incomplete information found in your credit file that is reported to a CRA must be thoroughly investigated by the agency.
Consumer complaint received 2023-09-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (OR)

I requested to be placed on a SAVE plan on or before XX/XX/2023 ... over a month ago now. 

Got an email follow up on XX/XX/XXXX stating " if we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. '' Of course there has been no follow up email. 

This is a *scary* time for borrowers and we should expect that the US DoE and loan services like Nelnet process IDR applications in a timely manner. Please help ensure this is dealt with.
Consumer complaint received 2024-03-07
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. (NC)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, and Proof of Address with my most recent bill. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Don't close this complaint with a reason that I need to prove my identity. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-07-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have tried everything, I tried everywhere, I still see no results. I am a victim of the XXXX data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.
Consumer complaint received 2024-03-07
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. (IN)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-02-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (GA)

In XXXX or so I contacted XXXX that my Mom had died and I need to do something about the loan ( the XXXX ) to get a lower payment. They granted me a modification, and then sold the loan to XXXX Mortgage Servicer. Shellpoint then started the whole process over again putting me through all the same paper work I had just been through, telling me too that all I needed to do after they got the loan was to make the 3 payments to them for the new loan, which I did and on time. But XXXX still put me through all the hoops and then started sending out statements and modifications that were incorrect, including sending out their notary, that did not sign and or stamp in the correct space. I got a Covid Forbearance and continued to speak with XXXX and had already done a Modification with SLS on the 2nd for the home. That was easy and SLS extended the loan and reduced the payment for me. Then I got paper work from XXXX, I signed the modification and had it notarized and witnessed here in XXXX and put it back in their pre paid envelope and sent it back. I never heard from XXXX. But, they accepted the modification paper work. Some time in XXXX Selene came on the seen, and I was then told that Selene had the loan, Selene took over and made me do all the paper work over for the modification again even thought I told them I had a modification with Shellpoint but none the less once again another pile of docs only this time I spend {$2000.00} with Attorney mortgage Services thinking they might help me. Only to then have Selene turn down my loan. Selene then made demands that I give them {$100000.00} to reinstate the loan of they would foreclose. I continued to try and work with Selene but they won't listen. Then I was told my home was slated for a Sale XX/XX/XXXX foreclosure. I spent XXXX; XXXX on XX/XX/XXXX with XXXX XXXX ( badge # XXXX ) on the phone and he located the modification given to me by XXXX. Selene had already admitted that they would have to honor any agreement given by XXXX to XXXX and then XXXX given to them. XXXX gave the modification to his boss, on that day and I discovered on XX/XX/XXXX that they started to work on the paper work for my modification. I tried calling and showing Selene 's Insurance department that I have insurance but they just ignore me. Same as XXXX did and the force put insurance on my home. Under the Covid forbearance law, I believe that there are not to be any added penalties etc. on loans during this period. Yet Selene and XXXX have done both. XXXX refused to give me a copy of my modification when I called them, and when I call Selene all I get is the run around.
Consumer complaint received 2018-04-12
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: Caliber Home Loans, Inc. (PA)

Hi, im in workers compensation and insurance adjustor stopped my checks illegally with out notice to me or my lawyer, the financial hardship its not on my control at that point, i contacted caliber home loans which is the mortgage company and explain to them what has happened, it so happens that my lawyer had my checks reinstated, and i paid all my bills XX/XX/XXXX and XX/XX/XXXX, my credit score dropped from XXXX  to XXXX, i disputed with all 3 bureaus experian send me a letter of not clearing the late payment of XX/XX/XXXX, i know is my financial responsibility but it wasnt on my control, i need help fixing this issue cause since i never had problems before with any, once anyone sees my credit history it speaks for it self and my credit is a very caluable asset more than anything, i would like to make a complaint
Consumer complaint received 2024-03-07
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. (NY)

Dear Experian : I hope this message finds you well. I am writing to bring several incidents of identity theft to your attention, which have significantly impacted my credit report. The incidents are documented as follows : XXXX. On XX/XX/XXXX, I filed a police report ( Complaint Number : XXXX ) regarding the unauthorized opening of accounts. Despite my efforts, these accounts were not opened or authorized by me. 

XXXX. On XX/XX/XXXX, I filed another police report ( Complaint Number : XXXX ) concerning identity theft issues related to my personal information. 
Accounts listed on credit report : DEPTEDXXXX XXXX US DEPT ED XXXX I kindly request that you conduct a thorough investigation into these matters and take the necessary steps to rectify the inaccuracies in my credit file resulting from these fraudulent activities. The false information has significantly affected my personal life, causing stress, XXXX, frustration, and loss of sleep. 
I was planning to buy a house and was never able to do that because of this wrong reporting .Additionally, I afraid that Department of education will start garnishing my salary .I was contacting them on a numerous of occasions but without any success .I truly believe that you are the only XXXX who can help Once your investigation is complete, I would appreciate receiving a copy of my credit report reflecting the accurate and updated information. Additionally, I request that you share this letter with your customers when conveying my disputes, or provide me with the contact details of the relevant individuals at the implicated companies. 

Should you require any further information to support these disputes, please do not hesitate to contact me at my daytime phone number : ( XXXX ) XXXX, you can also communicate with me through my email address at XXXX. 

Thank you for your prompt attention to this matter, and I look forward to a swift resolution. 
I attach my Driver License with my current address, XXXX XXXX XXXX.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX Account : XXXX We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. These errors and incompletions were previousy disputed, but no action was taking to correct them. 
Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' Please update the credit reporting for my Lendmark Finanacial account with the following : 1, Correct he balance from XXXX to what is showing on the XXXX Statement XX/XX/XXXX to the listed balance on the statement. Amount {$10000.00} - see attached 2, Correct the imcomplete payment reporting to show XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX -- {$430.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00} consectitively 3, Correct the first month payment as recorded in the agreement ( see attachment - XX/XX/XXXX ) 4, Remove all entries for XXXX and XXXX. There are no payment obligation for those two months. The XXXX and XXXX payment entries caused credit score to drop drastically, because there were two scheduled payment entries, and no payments were entered. 
There is an {$450.00} balance diference that triggers a drastic decrease in credit scoring **** PLEASE RESPOND TO OUR REQUEST USING THIS SAME SYSTEM - CFPB ****
Consumer complaint received 2023-02-13
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. (NV)

XXXXXXXX XXXX XXXX account is reporting incorrectly. This is an ongoing and continuous violation of the Fair Credit Reporting Act. This situation is causing me undue stress and is a defamation of my character.
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

lvnv was trying to sue me i sent them a response by certified mail. lvnv refused to accept the letters, pictures show letters unclaimed and returned. later the case was dismissed by a judge.
Consumer complaint received 2023-01-25
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. (TX)

I am grateful for the removal of some of the fraudulent accounts and information being reported on my Credit File, however, there are still a lot of Fraudulent information being reported on my Credit File wihout the proper verification of the disputed items. I am submitting this CFPB Complaint to request to you once more to remove the disputed accounts and information off of my Crediet File as soon as possible. I am a victim of identity theft, my identity was stolen and used to open these accounts wihout my knowledge nor consent. I see a lot of videos on the internet that identity theft have become rampant. I have read that under the Fiar Credit Reporting Act section 605b, you are required by Federal law to remove any accounts and information that do not elong to the consumer. I am requesting of you to please remove the following accounts and information off of my Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX  XXXX Balance : {$9400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please send me any documents you may ifnd along the way of your investigation claiming that the disputed items belong to me and are verified. If you can not provide nor find any documents ti support the claims that the disputed items belong to me, immediate removal of the disputed items will be greatly appreciated.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Accordance with the Fair credit reporting act this creditor Capital One has violated my rights under 15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 Ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment
Consumer complaint received 2023-02-13
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. (NY)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (NC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the transactions to be reported on my consumer report. I have filed an Identity theft report and mailed it certified with tracking number ( XXXX ) to Equifax in which they received it on XX/XX/2023 at XXXX pm requesting that the reporting of this information be blocked and deleted within 4 days of recieving my notice and ID theft report. My request to block this information is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2017-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CT)

Unwanted calls from Nationstar Mortgage-
Call with no one on the line. from XX/XX/2017-XX/XX/2017
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is just one of the numbers that have no one on the line. Now Nationstar has sold to Mr Cooper and I am still getting calls.
Consumer complaint received 2023-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (VA)

In XX/XX/XXXX I learned that Capio Partners had assumed a dept of XXXX XXXX that was carried on its books as overdue. I had paid the debt via my XXXX account on XX/XX/XXXX and according to XXXX XXXX XXXX XXXXXXXX XXXX ) it cleared on XX/XX/XXXX. I provided XXXX proof of payment back in early XXXX. I never heard from them again. 

After learning that Capio was attempting to collect this already-paid debt, I contacted them and provided proof of payment on XX/XX/XXXX. I assumed that they had closed this out because I did not hear back from them. 

I am trying to apply for a mortgage today and learned that they placed a derogatory note in my credit report in XX/XX/XXXX and I'm unsure if it's before or after my note to them with proof of payment. I spoke with them today and they said they'd research my claim of payment. My response to them is that they should have done this earlier when I gave them proof in XXXX, and that they're getting in the way of me getting a mortgage.
Consumer complaint received 2023-02-13
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: DISCOVER BANK (CT)

I notified Discover that the name on the statement needed correction and without notification, the Card was charged off and reported to the credit agency as negative reporting. I understand that this is unlawful as the card was in dispute. I am looking for immediate correction to credit reporting. This is written in plain language to aid in your understanding. 
Thank You XXXX
Consumer complaint received 2023-04-19
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. (TX)

Creditor stated that late payments would be removed after account was paid. AUD was sent and you are still reporting late payments. I am demanding that Transunion update this account to paid as agreed, never late per the agreement that I had with the creditor. XXXX and XXXX are not reporting anything derogatory for this account. Please update XXXX XXXX  XXXX. The dispute letter which is dated and time stamped is attached. I highlighted the account in reference.
Consumer complaint received 2023-08-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (MI)

I have a consolidated loan it is now with Nelnet. Half of my loans were discharged quickly with aidvantage. However, Nelnet still has not discharged the rest Through XXXX vs. XXXX. I had spoken with the person whos over my borrowers defense application. I was informed that nelnet would be notified to discharge the remaining balance of the loan. It's a year later and nelnet still hasn't discharged the remaining balance. I'm aware that discharges have been taking place yet i still have loans. I'm tired of playing this game between nelnet, borrowers defense and fed aid. I need the remaining portion discharged as promised. I'm sick and tired of being sick and tired.