davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (NE)

In XXXX of 2022 - I paid my mortgage on time. A couple of days later - my mortgage was transferred to a new servicer - freedom mortgage corporation. The mortgage was paid from an old checking account - and the amount was deducted from the account - however they are saying this is not the case. I have provided proof - however they are not accepting it and calling me a liar. now my account is showing past due because when I make a payment towards the end of the month for the coming month ( like I always do ) they are applying that towards the current month. I have recently gone ahead and paid it because they have destroyed my credit- my credit has gone from being XXXX to now only being XXXX. I am very upset and repeated phone calls and messages to this institution have gone unresolved- and I am also out an extra {$1400.00} and they are also trying to assess late charges.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I requested all supporting documentation, they did not provide. I did however provide the bank with all of my supporting documentation, it was ignored and not processed. These documents included court documents. Called Chase Bank on XX/XX/year> to inquire about the status of my accounts merged an the claims, however, they had no information regarding the claims from First Republic Bank. I was informed by the customer service specialist at the time to allow for the merger to process and give 3-5 days for accounts to go back to normal and all information transferred. I was also informed that there was a claim subunicamitted regarding this and that someone would reach out to me by XX/XX/year>. However, to date I have not received follow-up communication and all of my further attempts have gone unanswered. 

Chase and First Republic Bank are responsible for failing to properly follow FDIC depository laws and guidelines & consumer protections. Both Institutions have failed to properly file and provide due process to the claims filed with First Republic Bank in XXXX and XX/XX/year>. All attempts to communicate with the proper assigned departments have been documented and reported to the FDIC
Consumer complaint received 2024-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Shellpoint Partners, LLC (CA)

My existing loan servicer Newrez dba Shellpoint mortgage refused to communicate accurate information about my loan to California Mortgage Assistance. As a result my debt relief was denied. When I called to speak with consumer relations, I was told they did not have information from XXXX XXXX  ( my original lender ) regarding my several XXXX deferments. What information they did provide took several months and several reminder calls from me. California Mortgage relief states the reason I was declined was that my hardship was not covid related. Shellpoint represents the reason I was declined was that my mortgage is current at he moment. I asked them to call California Mortgage Relief program and attest my mortgage was affected by COVID. They refused. As a result my case was closed. I didnt get the tax relief I was seeking as well ( Im 3 payments behind ).
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (KY)

Lexisnexis just sent me a letter stating that they are unable to Process my request because they NO LONGER have the unauthorized Public RecordsXXXX XXXX bankruptcy on their database. However I am fully aware that Lexisnexis only deleted my public information off their database after I complained to the CFPB and XXXX. Before that time Lexisnexis illegally accessed my public records and illegally sold my information to the credit bureaus. I have several questions for Lexisnexis. 

XXXX. Did your company obtain my public records without my authorization in XXXX? 
XXXX. Why was I given a new Consumer Number and Case Number then the one I had in XXXX? 
XXXX. Did Lexisnexis sell or resell my public records/ XXXX  XXXX bankruptcy to any third party credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX? In XXXX? 
XXXX. Did Lexisnexis obtain my public records and disclosed Any of my information from the XXXX  XXXX bankruptcy to any third party company in XXXX? 
XXXX. If Lexisnexis obtained and resold my public records without my authorization in XXXX is that breaking the XXXX XXXX?
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

The auto insurance quote is high due to my driver record showing 2 not at fault claims. My actual 7-year driving record does not reflect that at all. The claims were for rear-ended accidents in which the first was paid by the other vehicles insurance ( my insurance company XXXX did not pay anything and the second was a hit and run rear in which the vehicle was not fixed and no payment was made by the same mention insurance company. I need these items removed so I can obtain a better insurance rate.
Consumer complaint received 2022-12-21
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. (TX)

On XX/XX/2022 I submitted a letter correcting personal information and also disputing errors with the following accounts. NOTHING WAS DONE THEY DIDN'T EVEN INFORM ME THAT THESE WERE BEING DISPUTED WHICH IS ANOTHER VIOLATON They are violating the following Consumer Rights Laws : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-1 ( a ) ( 1 ) ( A ) - 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-08
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. (WI)

Dear Experian ; " I '', XXXX XXXX is hereby giving NOTICE OF VALIDATION/Notice of Opportunity to Cure/Liability/Conditional Acceptance in pursuant to rights and remedy by law. There are falsely reported claims in " your '' records in my name along with misrepresentation of my lawful name as re : above. Please take the time out to investigate the matters as I have done so but are unable to be provided remedy for false claims from agencies who have unlawfully and without my expressed consent or proof of contract ; willfully, intentionally and knowingly shared/traded my private information against thy will ; with the exception of XXXX XXXX XXXX and XXXX XXXX ; which are current accounts . I am exhausting all methods and if I can not find cure " in facts '' I will have no choice but to report all cases of falsified contracts " that are in the name of XXXX XXXX XXXX '' to the BUREAU OF INVESTIGATIONS , DEPARTMENT OF JUSTICE and any other agencies that may help in assist of this matter. Please remove all reports in error ; for they are causing, " I '', the living ( wo ) man, injuries and damages to my right to a fair and decent living as well as discrimination to my Lawful name without remedy for I out of good faith! Please take notice as I have done my due diligence in accordance with the laws stated in this correspondence. Please confirm validation, through correspondence, certified and notarized by a living flesh and blood witness that can attest to such facts under penalty and perjury. Please use the proper address listed above ALL OTHER ADDRESS MUST BE REMOVED AS THERE ARE NOT ASSOCIATED. Thank you for your assistance in the matter.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

my personal information was compromised by the 3 credit bureaus and i have repeatedly asked them to not publish any information about me or that is not confirmed in writing to be my information without my written consent they have never provided any information or documentation that shows my signature or hand writing that says i gave them any permission to collect or report any information these 3 companies XXXX, XXXX, experian are violationg my rights my privacy and they are clearly breaking laws they need to delete all accounts immediately without question ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX ACCOUNTS : XXXXXXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX US DEPT OF ED/ XXXX -acct # XXXX XXXX XXXX XXXX- acct # XXXX, XXXX XXXX  XXXX - acct # XXXX , XXXX XXXX- acct # XXXX XXXX XXXX - acct # XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (MA)

In XXXX I attempted multiple times to make a payment on my student loans in order to pay off the interest before the grace period came to an end and the interest would be capitalized. I had many problems making the payments and would receive notification that my transaction would be completed within 2 buisiness days. 3 or more days later, without any notification, that the transaction had been cancelled. It had even disappeared from my Nelnet website accounts history. I attmeped to make the payment again, as this is a time senstive subject matter, as well as sent an email asking for help in Nelnets online cutomer service. The transaction was once again cancelled with no notification and deleted from my history, no email, nothing. After waiting two weeks, more than the alloted time that was said that they would respond to me ( 2-5 business days ), I still received no response from Nelnet. I logged into my account and attemped the payment again and sent another email via their customer service link, while logged into my account ( in this case I am clearly identifiable ) and the same events took place. No returned emails, no contact whatsover, and a mysteriously cancelled payment that once again did not appear on their website. This is extremely deceptive as it is in Nelnets favor to ignore my attempted payments, as they could charge a fee for a late payment or in my case they could have benefited from captalized interest. Thankfully after many days and numerous attempts I was able to make a successful payment before the end of my grace period but I am still extremely concerned as it has now been 3 months and I have not received any type of response from Nelnet. I know that my email address is correct on my account as I still receive automated emails from Nelnet about my statements but this is an urgent issue that could cost me and others money from deceptive tactics, especially young adults like myself who are just starting out in terms of banking and money.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (DE)

This company has not followed the federal law of sending me a CFPB noticing affording me my legal right to dispute or validate the claim prior to placing this on my credit report. I will file a lawsuit for deceptive practices if this is not removed immediately.
Consumer complaint received 2024-03-06
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. (NJ)

Experian Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX XXXX from your records. 
Despite multiple requests made by me, XXXX XXXX, Experian Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX XXXX XXXX It is evident that your refusal to adhere to my request constitutes a clear violation of both m

y consumer rights and the UCC law. I hereby issue this final demand for Experian Credit Bureau to
immediately cease and desist from any further delay or refusal to remove the reported information from XXXX XXXX XXXX in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Experian Credit Bureau for blatant violation of my consumer rights and the UCC law.

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within XXXX  Days.

Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (MA)

Took settlement offer with credit card company and paid it. For 2-3 weeks after they continue to call and email me saying I need to make a payment. The money came out the same day. I told them to stop calling me and they still continued
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America 's customer service made a wrong judgment, locked my account, and asked me to go to the XXXX XXXX, which wasted my day, including the phone call time and the time to go to the XXXX. The customer service staff deceived me and asked me to run for nothing. Admit the mistake and unlock it for me online, I need them to compensate me for travel expenses and phone bills due to their mistake
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

Almost every time they take out the mortgage payment which I signed up for them to get it on the fifth of every month they were changing me an overdraft fee that caused my account look bad and affected my credit history. I went to talk to them about it but still continue to do the same thing. I could look at my credit report with other institutions it looked better than what I see in their report was always lower than other reports and they are holding my mortgage so I couldnt try to refinance or get a fair loan mortgage because of their mismanagement of my account.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (FL)

HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX XXXX XXXX  XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$0.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO ELIMINATE THAT ACCOUNT ON MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS
Consumer complaint received 2024-03-06
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. (VA)

I have written to this credit bureau on XX/XX/22 requesting proof of how the debt was validated. I asked for the original signed contract. Accounting records and proof of how this debt was verified. The company stalled asking for Id and proof of address when the information was already sent to them. I do not recall signing a hipaa release for this company to release information. I asked for a copy of that as well. The company failed to provide proof of how this debt was verified only that it was violating my rights
Consumer complaint received 2023-07-11
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: Bridgecrest Acceptance Corporation (NY)

In accordance to the fair credit reporting Acts, this creditor has violated my rights under USC1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 and also stated that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
it is also
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

XXXX  XXXX & XXXX contacted me some years ago about an account that should have been paid by insurance and never on my credit report. The balance was fulfilled by insurance and should be removed from all credit bureau reports. It looks to have been placed back on my report in 2016. This account should not be on my report considering that insurance should have been contacted and billed. The {$230.00} was fulfilled and should not be on my report.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I have contacted XXXX two times to file a dispute on XXXX XXXX XXXX. My account was settle and closed back in XX/XX/XXXX through their lawyers. Since the account was paid as agree in settlement I have contacted XXXX XXXX XXXX times including today XX/XX/XXXX to request them to update the account with the credit beaurers as the account has been closed and settle. They inform me that the account has already been reported to XXXX, XXXX, and Equifax as account settle for less and closed about two months ago. However this credit companies refuse to update my account and lastly the representative from XXXX  today stated that my account will obligated remain on my credit report as open despite the bank who I borrow from stated the account has been reported as settle for less and closed.
Consumer complaint received 2023-04-06
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. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-04-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Cerdit Acceptance has information from a past auto loan that I was on. I no longer have the vehicle as it was my ex-spouse 's. They have been reporting the account 180 days past due for the past 5 years with no update to the account since XX/XX/2018. I have attempted to contact the company directly and they do not answer my calls. I have attempted to dispute it through the 3 major credit bureaus and they do not respond to them either concerning this account.
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

We canceled service with XXXX and switched to XXXX XXXX XXXX around XX/XX/2021. Paid all invoiced bills. Called and canceled voice-mail and verified that all bills were paid. Never received a bill or anything. Then noticed a collection against me. Called XXXX and they will not talk to me. Called the collection agency and they refuse to provide a invoice, XXXX or any proof that we owe the bill. They say we have to call XXXX. They have caused me damages to my credit. And refuse to try and resolve this. Your help would be greatly appreciated.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. 

I contacted " Experian, XXXX, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX