davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I was contacted by the XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX WA XXXX from phone number XXXX via my cellphone on XX/XX/XXXX XXXX XXXX XXXX XXXX regarding a medical debt that I have been paying monthly since XX/XX/XXXX. I told the representative that they were in violation of TCPA and they did not have permission to call me on my cellphone. I asked them to cease and desist. The representative then went on to let me know they could contact me if they so choose to. On XX/XX/XXXX XXXX I received a call at my place of employment. I explained to the rep that I could not receive calls at work and would be terminated he then let me know he would continue to call and pursue additional collection efforts now that he confirmed my place of employment and the calls would continue.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX Account in Reference : XXXX XXXX XXXX Account # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent and under The Federal Fair Credit Reporting Act ( FCRA ) this is violation of my rights and under TILA LAW unless this account is removed from my file asap, I am due a violation payment of {$1000.00}, I have disputed this account already, and still has not been removed. I am asking CFPB enforce this violation and fine this company {$1000.00} and remove this account from my file asap.
Consumer complaint received 2024-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NV)

Nelnet has misreported my enrollment data which has prevented me from consolidating 2 student loans in the last 3 attempts. 

consolidation attempt 1 : XX/XX/XXXX consolidation attempt 2 : XX/XX/XXXX consolidation attempt 3 : XX/XX/XXXX ( 1 XXXX XXXX XXXXXXXX XXXX and ( 2 ) Loan XXXX AR both currently XXXX appear in the plaintiff 's Nelnet account ( " XXXX A '' ) as having an " in-school '' status. 

-These loans were taken at XXXX XXXX XXXX where I haven't attended since XX/XX/XXXX. 

-I called XXXX XXXX XXXX who has confirmed they have been reporting me as not enrolled there since XX/XX/XXXX. 

-I called and created a case with Nelnet and for over a year they have neglected to correct the issue. 

-I initiated a lawsuit against Nelnet and they still are neglecting to even address my issue but instead have filed a motion to dismiss the case without fixing the problem. Their Counsel seems to not be understanding the issue and stated that my loan is not in repayment status when I clearly explained in the attached complaint that my 2 loans from XXXX XXXX have wrongfully been classified as in-school status since XX/XX/XXXX even though I'm no longer enrolled there. 

-The problem is on their end as they need to resolve the error in their system that has me classified as enrolled in XXXX XXXX so that the loans can be included on my most recent consolidation. 

-I 'm uploading the court filings including : the complaint, the exhibits and the reply I received from Nelnet General Counsel.
Consumer complaint received 2022-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Google Compare Credit Cards Inc. (IA)

XX/XX/2022 - Ran a credit check for financing on XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  only for it to " fail/be denied '' due to having a Fraud Alert status, I had opened up a support ticket with XXXXXXXX XXXX after XXXX XXXX XXXX XXXXXXXX credit check system referred me to XXXXXXXX XXXX automated system. XXXX XXXX XXXX Customer Support had also referred me to said XXXX automated system XXXX ( XXXX ) as they ( XXXX XXXX ) can not do manual human-to-human credit check/identity verifications and it MUST be handled through XXXX. 

As such, I had called XXXX ( XXXX ) only to be told by XXXX XXXX automated system that " No Fraud Alert has been found '' when applying for identity verification so, naturally I tried triggering the system to forward me to a human representative only for XXXX XXXX system to tell me " it can't do that ''. 

Which leaves me a consumer in the predicament of not being allowed a legitimate line of credit due to lack of availability/avenues for manual identity verifications on both XXXX and XXXX XXXX XXXX ends.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My personal information was used to open a XXXX XXXX ( Account # XXXX ) on the date of XX/XX/XXXX. This account is fraudulent and is not mine. This information is listed on my Experian credit report # XXXX. 
My personal information was included in the data breach with XXXX XXXX XXXX in XXXX. I was notified by XXXX that I was eligible to receive compensation and that I could dispute and have the negative items removed, this never occurred. I have filed a report with the FTC # XXXX on XX/XX/XXXX. I submitted it to Experian and to the other bureaus and they have not removed it. I submitted pertinent documents that they asked for like my social security card and my driver 's license and still they did not assist with the removal. I have included the information that they asked for in this complaint. Thank you.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Central Holdings, LLC (NC)

This company called Credit Central keeps calling me. I am not the person or persons they are looking for and I have advised them of that but they keep calling me. I do not know if this company is legitimate or not, but I have never done business with them and want them to stop calling me.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (CT)

I am attempting a XXXX XXXX Exempted assumption as part of a divorce settlement. I received the property as part of the divorce settlement. The property was quit claimed to me, was made a defendant in foreclosure, even though he was not on the mortgage note. During the mediation process, the servicer, Seterus had to set up an exempted XXXX XXXX assumption process, since they had none, even though it has been the law since XXXX. Over the many months it took for the servicer to set up a process, I was laid off from my XXXX position. I still want to retain the property, maintaining that the I should have been treated as if I was the original borrower, given an unemployment forbearance, with a modification when/if needed post forbearance, consistent with the law, CFPB-2014-0016 12CFR Part 1026 " Application of Regulation Z Ability to Repay Rules to Certain Situations involving Successors in Interest and XXXX XXXX Guidelines The Servicer maintained that the " Ability to Repay '' precludes me, from the exempt assumption. I attempted to clarify with XXXX XXXX   itself. The person reviewing the case did not return multiple calls and made an incorrect determination based on me not being on the original mortgage note. During a subsequent discussion with a supervisor, on XX/XX/XXXX, still seeking clarification, I explained that the note was sold on XX/XX/XXXX ( I was notified XX/XX/XXXX ) to the XXXX   XXXX  supervisor, who was unaware. She then said, during the ensuing conversation, that she was not able to do anything else, since XXXX XXXX did not own the loan any more. This still leaves the XXXX XXXX and the Serterus believing of relevance of " ability to repay '' as a valid reason or not for not allowing an exempted Garn St Germain assumption. 
I am in the process of fighting this pro se, getting it back into mediation in CT. The mediation result should transfer through to new note owner. XXXX XXXX and Serterus need to know they are not processing these transaction correctly however.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (NV)

The companies that I submitted have made inquiries on my account without my knowledge and have chosen after receiving my first complaint to leave them there due to specifics instead of verifying that it was allowed initially ; which is unlawful. 

15 USC 1681 a 2 ( A ) i
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXXBalance : {$510.00} XXXX XXXXXXXX**Balance XXXX {$0.00} XXXX XXXX****Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} USDOE/XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-02-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (FL)

Nationstar collected thousands of dollars from me and credited them in the name of my relative XXXX XXXX who obtained a bankruptcy discharge. I was led to believe I would become XXXX  if I did not pay these monies. I have copies of these cashed checks. I was misled to believe I was being given a loan modification. I was asked for private financial XXXX checks, medical records, and tax statements to obtain a loan modification that I did not need nor was Nationstar the owner of. I am requesting a full refund of all payments made and all recorded documents be rescinded immediately and Nationstar cover all fees as a result of their illegal debt collection practices! 

I have a Grant deed that pre-dates Nationstar that is recorded with the county. There is no default on record that pre-dates my deed. All checks written by XXXX XXXX to NationStar I would like refunded directly to me. I was under the notion that I was responsible for my relatives debt due to be ignorance of debt collection laws. Due to this ignorance I have suffered years of vexatious litigation, locked out my home, spent hundreds of thousands of dollars and suffered at the hands of Nationstar Mortgage and their attorneys. 

NEED I REMIND NATIONSTAR THERE IS A BANKRUPTCY INJUNCTION IN PLACE PROTECTING XXXX XXXX. SEE ATTACHED BELOW.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-13
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. (SC)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. States i have a right to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. XXXXl Law overrides any company policy. XXXX XXXX account number XXXX.
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS XXXX INQUIRIES from my credit report immediately.
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I have multiple accounts open with Peoples ' United Bank. I act as a fiduciary ( Conservator, Trustee, etc. ) for many people. I am an attorney. I also have both business and checking accounts open at the same bank. For some reason, the bank keeps linking my personal information to my fiduciary accounts, rather than my business information. Statements show my home address rather than my business address. I ask the bank to call me about something ; they call my home number rather than my office number. They send emails to my personal, unsecure email rather than using my more secure business email. I have gone in person to meet with a Vice President at a branch about this on more than one occasion. In XX/XX/2020, I went to the bank with a printout of all of my open accounts and asked them to correct the contact information. Today, I noticed an incorrect transaction on a Conservator checking account. I called the bank ; they asked me to verify the information on the account. It turns out that they still have all of my personal information on the account. I asked to file a claim about the incorrect transaction ; it will show my personal information, rather than my business information. Moreover, the Social Security Administration noticed this issue last year and asked the bank to correct my accounts. 
The bank refuses to correct it.
Consumer complaint received 2020-02-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$2100.00}, {$10000.00}, {$39000.00}, {$10000.00}, {$27000.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

Back in XXXX I was served with Summons from XXXX XXXX XXXX. Was told I was being sued for debt. My court date is XX/XX/XXXX. I have been asking since end of XXXX them to provide proof of debt. They want to collect {$3800.00}. I asked them to have their client send me any and all documents they have to support this total.I want to see exactly how they arrived and this total and figured late fees and interest. 

I received a letter from the original creditor today. Did not contain any information other than the account name. They are now saying I need to send them payment, but did not even list a balance. Why are they trying to collect the debt when XXXX & XXXX told me they are handling it? 

They have been stalling me for almost two months now, so they can go to court and get a default judgment. I offered to settle, but wanted to verify the amount first. They refuse to provide me the info I have requested.
Consumer complaint received 2022-08-30
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 XXXX XXXX
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal offered a switch to a rewards card earlier this year where I was going to get points rather than cash rewards where the cash rewards card reflected a 5.99 % interest rate based on SCRA benefit ( I signed up for the cash rewards card about XXXX or 3 months after I became an XXXX XXXX military member ). I have received a new card thinking that the same SCRA benefit would be applied to my new card since XXXX XXXX has my information in their system but it was not that case. My first attempt to get the benefit applied began at the end of XXXX of this year to which no one responded. My second attempt happened on the phone in XXXX where a representative apologized and told me to try again with my service information in order to process the request. My second attempt also failed. Third attempt at calling them out on XXXX did not get any response so I filled out a form online to submit my information again to which a response was made. Bottom line is that they rejected my benefit stating that I am ineligible to receive the benefit on the current credit card because of the lending product opened during XXXX XXXX period ( which is now ) and that any debt accrued during a current or previous XXXX XXXX period is not entitled to have benefits applied. I received my first credit card during current XXXX XXXX period ( which started on XXXX XXXX XXXX   ) with the benefits, and have other products through other institutions where XXXX has been applied. Please help.
Consumer complaint received 2022-08-30
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.