davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NJ)

Nelnet has updated XXXX several times of my XXXX balance on all Nelnet accounts that were paid in full. XXXX is the only company out of the XXXX reporting agency that has refused to update its system. However, I have sent verifcation that I have a XXXX balance with Nelnet, along with Nelnet reflecting this to XXXX and in their system. I currently do not owe XXXX in XXXX loans. Please help my loans were transferred from Nelnet and paid in full by XXXX. I have not balance with Nelnet at all. This can be verified with them as Well
Consumer complaint received 2019-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (NY)

Hello, My name is XXXX XXXX and I'm hoping I can get an answer to the following : I refinanced my mortgage on XX/XX/XXXX through my lender XXXX XXXX. XXXX XXXX XXXX represented me as the title company. The issue that I'm having is the following : When I refinanced my property one year ago to buy out my brother in-law 's portion of the home in XX/XX/XXXX, my prior lender Roundpoint recorded a satisfaction of mortgage along with an assignment of mortgage to XXXX XXXX. Due to the satisfaction recording error on Rounpoint 's part, I was not approved for a CEMA process this time around. I postponed my closing to allow the different parties time to resolve this issue ; however due to timing I had to finalize my refinance since my interest rate lock was expiring and therefore closed on XX/XX/XXXX. This resulted in XXXX mortgage tax to amount to {$13000.00} ( 1.92 % on entire mortgage amount ) as if I have taken a new mortgage. I reached out to Roundpoint after the closing and they opened up case to investigate the recording error. They acknowledged that this was the case and therefore went back to rerecord ( rescission of satisfaction of mortgage ) on XXXX XXXX. As I understand from an advocate contact at Roundpoint ( XXXX XXXX XXXX ) and multiple emails going back and forth, Roundpoint and XXXX XXXX along with XXXX   XXXX XXXX were going to redraft the documents as a CEMA   process rather than a new loan. After final review, my current lender and settlement attorneys mentioned that bottom line the rescission of " satisfaction of mortgage '' by Roundpoint made no difference whatsoever even if I wanted to have the CEMA process ( since this error would have nullify everything ) I know this sounds like a lot to process ; however, bottom line is that I should not have incurred the {$13000.00} and it should have been around {$260.00} instead. 

Please reach out to me via email response or via cell at XXXX or via e-mail XXXX Your response to this matter is greatly appreciated! 



XXXX XXXX
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I was going to contact the 3 crediting reporting agencies but read the credit reports does not provide the score.I would like the credit score and all information pertinent to my credit report
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Theres been many serious errors made on my credit report which I have identified and am outlining below. 

XXXX XXXX XXXX***** First, this account shows as charged off with a balance of {$6700.00},? Second, it shows No.month of terms as 36 but the account is Charged off so how can this be?. Not possible. 

XXXX XXXX**** Reporting that this account is Charged Off but it has a past due balance of {$300.00} on a {$100.00} credit limit? Not Possible. 


12 XXXX  XXXX XXXX  XXXX  XXXX**** Reporting this account is Charged off and the amount says {$1000.00} and last reported in 2018 so this is not accurate, Then the same account is reported a second time as XXXX  XXXX XXXX  below with a balance of XXXX. NOT POSSIBLE! 

XXXX  XXXX XXXX  XXXX**** Reporting this account twice as 12 XXXX  XXXX XXXX  XXXX  and shows a balance {$1000.00} and this account is showing $ XXXX..This a violation of the reporting laws.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (OK)

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 
I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2023-03-01
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (TX)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I contacted XXXX XXXX and Experian back in XX/XX/2018 in regard to this account reporting in accurate. This account was authorized under another individual name. I explain to XXXX   XXXX  that I was release of all responsiblity with this vehicle by a written agreement with the owner and should not be liable since I contacted their company in regard to this matter before hand. The dealership was aware I asked to be removed prior to the final signing from all responisbility of this vehicle. Because of the high interest and fortune to pay back terms. XXXX XXXX has fail to provide me all or any documentation to prove the outstanding balance exist and the written agreement that I'm obligated for this loan. I'm requesting this account be removed from my credit report immediately and this company be investigated into their lending practices.
Consumer complaint received 2019-02-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

I have student loans with Navient and was unable to make payments and I tried for weeks now to log in to my account and page not located. On XX/XX/2019, I requested a General Forbearance Request. I  have a true and correct copy of said document I just cant get file to upload. I still haven't received any email or telephone calls from said company. This company is threatening my default of my loan and free my bank accounts and take my tax refund. I had several hardships last year ie the XXXX, weeding, death of my grandson and was scammed by XXXX XXXX XXXX on XX/XX/XXXX for {$1500.00}. I want to make said payments just need time to get my finances back on track.
Consumer complaint received 2023-01-23
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. (LA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Around the date of XX/XX/year> I applied and got approved for a XXXX Cash back XXXX XXXX XXXX. I paid my credit card on time and accordingly for 6 months. Events that took place in my life caused me to fall behind on my bills which caused XXXX to report 12 months of late negative history on my report. The FCRA clearly states under 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are still reporting this information to my consumer reports. Furthermore the account is listed as Charge-Off and to my understanding by definition The IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

applied for bank of America credit card. 
The company requested a form to verify my account and i submitted that. 
After the account was approved and opened, the company decided that there is suspicious activity on the account so they decided to close the account. 
i contacted the company more than 6 times requesting to reinstate my credit card or remove the hard inquiry and three supervisor promised to get that resolved but at the end nothing was resolved and i ended up with hard inquiry and closed credit on my credit report.
Consumer complaint received 2023-01-16
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. (VA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Select Portfolio Servicing Company , INC. has not allowed me to amortize my mortgage. Once the monthly mortgage payment is paid, additional principal payments are used for the next months mortgage payment. 

At this time, I'm XXXX months ahead of a mortgage payment, as opposed to having reduced the timeframe of the payment schedule and interest from the mortgage. It's an end-run around amortization and I don't believe that is/should be legal. 

An additional obstacle placed is they do not allow any electronic payments once the monthly mortgage payment is made so you have to send a check via snail mail in order to complete the monthly mortgage payment, and/or amortize the mortgage.
Consumer complaint received 2023-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK (GA)

I, XXXX XXXX XXXX XXXX XXXX authorized representative for XXXX XXXX XXXX attempted to remain in honor with XXXX XXXX XXXX  ( previously named FREEDOM DEBT RELIEF ) by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S . Postal Money order. Which clearly states at the bottom that it is a negotiable instrument, which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provisions based on banking law, in the amount of {$10000.00}, in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311, U.C.C. 3-114 and public law for negotiable instruments to XXXX XXXX XXXX on XX/XX/2023. It was delivered to the company on XX/XX/2023 and they accepted my instrument, but did not credit my account correctly. I did call on XX/XX/2023, and spoke with a representative named XXXX. Recording will be attached. I let them know that the payment that I sent in via a U.S. Postal Money Order ( an ambiguous negotiable instrument ) was only credited as {$10.00}, which is incorrect. They said they will open a dispute or investigation, but nothing ever came of that. Therefore, because XXXX XXXX XXXX did not apply the correct amount or discharge the amount, they currently stand in dishonor of the law by not applying the proper payment. 
The payment that I provided was legal tender. Even with the ability for the instrument to remain negotiable, which is an even greater benefit for them, they have refused to honor it. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing illegal acts, interfering with commerce, committing securities fraud and are currently in dishonor as their practices are against the laws in which our country is built on.
Consumer complaint received 2024-01-09
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Received {$250.00} American Express gift card from my employer. Attempted to add the gift card to my XXXX wallet as a payment method. This is something I have done in past years with no problem. However, on all attempts to add the card to the XXXX wallet, I receive a message that the card was " declined by the issuing bank ''. 

Called AMEX and was transferred around, had the call dropped, re-called etc. Finally got a rep who said that the card is valid and that there was " no reason for it to be declined by AMEX, unless the merchant did not ask for the 4-digit security code ''. Actually, XXXX does require the security code, so why did AMEX decline the charge? They suggested I try it at another merchant, but I want to use the card at the merchant of my choice. XXXX does take AMEX cards, so AMEX should not have declined this charge.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (WI)

I am in the beginning of a medical malpractice case with mediation in process. Part of the case was charged for medical bills for the initial XXXX that severed my XXXX and the 8 months of ongoing procedures, hospital stays, XXXX, doctors visits, etc. The hospital sent all medical bills to collections which I paid to avoid further injury from the malpractice on XX/XX/2018. I received another debt collection letter on XX/XX/2018 for the amount of {$3300.00}. All of which had been paid for previously for every date listed and every amount listed. I have the credit cards receipts as well as the payment confirmation from the website in the form of screenshots. 
I am not allowed, by law, to contact the hospital with anything including my case and this is part of it. I feel threatened and intimidated now. That debt was paid even though it shouldve been held once the proceedings of mediation were initiated. I will not have my tax refund or home etc be threatened over a best firstly in the process of litigation and secondary one that has been paid in full. The hospital in question that is violating my rights by sending the debt is XXXX XXXX XXXX XXXX of XXXX XXXX, WI. The State Collection Agency violating my rights is State Collection Services Inc. XXXX , WI.
Consumer complaint received 2023-03-01
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I already sent disputes to each bureau to have these items removed but they did not remove then, nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX