davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (GA)

on XX/XX/23 I reached out to CFPB about LVNV FundingXXXX Resurgent Capital attempting to collect a debt from me. When I requested validation of the debt LVNV/Resurgent capital provided bank statements which is does not constitute validation of a debt. In response to my CFPB complaint, LVNV Funding/Resurgent Capital provided a FAKE bill of sale. This bill of sale has no identifying information. It does not identify me, any addresses, any account number, any accounting, the description of the item sold, what was agreed or what was paid for, it shows nothing, and CFPB immediately closed my complaint citing LVNV/Resurgent capital responded. It is the duty of the CFPB to protect the consumer of unfair deceptive or abusive practices and take action against companies that break the law. This practice is deceptive and constitutes fraud! LVNV/Resurgent capital has continued to pursue me in regards to this debt and is still reporting this debt on my credit report although they still have not provided validation of the alleged debt or any legal proof that they have a right to collection on this debt!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-09-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TN)

NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) has been fraudulently reporting on my personal credit. This account has been addressed with NCB and XXXX under the fraud they have committed against consumers. I have sent certified mail return receipt and still its reporting. This debt with XXXX is FRAUD and they sold it to NCB after they claimed it was resolved. I am so tired and frustrated from these antics. How do they get away with violating a consumer. Please help me!
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CA)

i suffered financial hardship as a result of the pandemic and the government shutdown and was unable to pay my XXXX XXXX phone bill i had for 5 years as a result my bill got up to {$1300.00} XXXX XXXX sent the unpaid bill to collections which i felt was unfair and my credit is being negatively affected i filed a dispute with XXXX  thru XXXX XXXX and the account was deleted and my credit score went back up then a debt collection agency purchased the account and got i put back on now XXXX will not delete the account i am a victim of covid 19 my credit should not be affected
Consumer complaint received 2021-04-24
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. (GA)

NEVER RECEIVED COPY OF CREDIT REPORT REQUESTED OVER 45 DAYS AGO TO ALL " CRA '' AND CONTINUE TO REPORT ID FRAUD ACCOUNTS " NOT MINES '' AND UNDERAGE DURING TIME ACCOUNT OPENING
Consumer complaint received 2022-09-14
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. (FL)

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-24
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. (GA)

NEVER RECEIVED COPY OF CREDIT REPORT REQUESTED OVER 45 DAYS AGO TO ALL " CRA '' AND CONTINUE TO REPORT ID FRAUD ACCOUNTS " NOT MINES '' AND UNDERAGE DURING TIME ACCOUNT OPENING
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

This letter is regarding the Chapter XXXX Bankruptcy remark filed in XXXX, Ga on my XXXX report. The following date is when this remark was disputed via CFPB : XX/XX/XXXX, XXXX- via CFPB, XXXX Ive reached out via certified mail, through your dispute portal via web and through the Consumer Financial Protection Bureau . Ive requested for information to validate your findings with LexisNexis or the secondary agency you receive your public records from. Youve ignored my requests even with proof attached that their verified consumer report states there is no active nor dismissed case. I have spoken with LexisNexis via phone as well as paper trail getting the same response from the company. The XXXX Court listed informed me that they do not work with credit reporting agencies like XXXX, therefore, they could not confirm nor deny any information. XXXX continues to report unverified information about a Chapter XXXX Bankruptcy without proof of your findings. A general statement was responded back to me via CFPB XX/XX/2019 and mail, stating the vendor has claimed the information as accurate. Theres no proof XXXX verified this information via paper trail besides sending a vague updated resolution letter that states the information is verified. Ive provided documents by LexisNexis that contradicts your findings. 
This is my final attempt at reaching out via CFPBs website and paper trail before having no other choice but to take legal actions. Under the FCRA, all information being reported must be verified, not falsely reported. Please AGAIN, submit proof of your findings with LexisNexis via mail and by uploading through CFPB site for my records. If you cant verify the information as accurate as well as provide documentation, please remove the remark from my credit report. 
Attached is the LexisNexis report showing no reporting Chapter XXXX Bankruptcy Ive submitted to XXXX. Ive even attached my XXXX report showing how another reporting agency is correctly reporting the information. 

XXXX XXXX XXXX
Consumer complaint received 2021-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd. (CA)

I have reported my concerns and my problem to the better business bureau, the consumer financial bureau, XXXX XXXX XXXX, The Office of the Comptroller of the Currency ( OCC ), and the Consumer Financial Protection Bureau. I have not heard anything back from XXXX Bank. No one affiliated with the Bank has tried to call me back by, email and I didnt even receive any mail communication. I am planning to do whatever it takes to have this establishment fix its mistakes and I am not going to settle this negligence until I receive a call back from one of XXXXXXXX XXXX XXXX with an apology and resolution to lower the interest rate on my account, remove monthly fees after reopening my account after removing the negative reporting to XXXX major credit bureaus ; XXXX XXXX XXXX XXXX 
I will be waiting to hear from XXXXXXXX XXXX  XXXX, and I am more than willing today and, in the future, to take their calls and listen to what they have to offer to resolve this issue. 
Lastly, I received a letter from a collection agency to which XXXXXXXX XXXXk sold the debt to, and I reached out to them via USPS mail, and via email twice and I havent heard back. 
I can always provide proof of these communications when/if needed. This is the name of the collection agency that reached out to me ; Phillips & Cohen XXXX XXXX XXXX XXXX, XXXX, DE XXXX ) and their email is ; XXXX XXXX
Consumer complaint received 2021-09-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

XX/XX/XXXX of 2019 my last job ended leaving me with zero income. 
I left that job because I was not getting paid on time and sometimes had to wait weeks or a month for my pay which was making me late for my house payments. 

At that time, as you can see by the XX/XX/2019 statement, I was current. 

Unknown to me, in a few days ( approximately 60 ) the entire global economy would shut down making it impossible to find work. 

Here we are nearly 2 years later, and I'm trying to come out of my mortgage forbearance only to be denied for insufficient income and I still can not find software work even though I have sent out nearly 100,000 emails to all of the high tech companies hiring people like myself as shown on this page that I developed. 

https : XXXX Mr. Cooper did not even use my income to make this statement. 

My income is {$1100.00} per month via early social security which is expected to increase by approximately {$75.00} with the cost of living allowance. 

Knowing I was in trouble, I moved into my garage and rented out my house for {$850.00} per month to wonderful tenants who pay on time every time. 

And they pay half of the utilities as well, so my income is about {$2200.00} per month instead of the net income they show me having of {$1100.00}. 

And the car payment of {$600.00} per month is no longer because I let it be repossessed in order to save the house. 

I was denied the first time, so I appealed only to be denied for insufficient income and told that I was ineligible for a forbearance modification because I was delinquent before the forbearance period was approved. 

I have nowhere to turn and I do not want to be another homeless veteran statistic and now I have my renters to consider as well. 

If you know of anybody who can help, please share this with them as Mr. Cooper seems to only want the house to profit from my situation. 

I have written to the VA 's own counselors at the following website but never even received a response. 

https : XXXX I have attached all the documentation I have on this and I desperately need help. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

XX/XX/24 Re : Failure or refusal by Nelnet to re-disclose loans after 3 months, 5 requests, and as many verbal confirmations To whom it may concern, My student loan service provider, Nelnet, has misallocated payments and refuses to apply, or correctly submit, my multiple requests for re-disclosure resulting in a miscalculation in my monthly payment amount due. 

Since paying off two loan groups in XXXX of this year, I have requested Nelnet re-disclose my loans on 5 separate occasions : XX/XX/24 ( rep did not provide her name per protocol when accepting and ultimately misapplying payment over the phone ), XX/XX/24 ( XXXX  # XXXX ), XX/XX/24 ( XXXX # XXXX ), XX/XX/24 ( XXXX # XXXX ), and XX/XX/24 ( XXXX # XXXX ). On each occasion I have received verbal confirmation that my request would be submitted and go through within a few weeks, and yet not a single request has been heeded after 3 months. 

Additionally, I have received incorrect information regarding the monthly payment amount due ( was told on XX/XX/24 by " XXXX '' that my new monthly amount due beginning XX/XX/24 would be {$1100.00} ). This is not reflected on my account and subsequent reps have disputed the figure. On my most recent call ( XX/XX/24 ), I was told by XXXX that the loans were " indeed re-disclosed on XX/XX/XXXX '', that it " doesn't make any sense '' that the monthly payment amount has not changed, and that there are indeed " discrepancies '' that need to be looked into. She would not provide a timeframe for resolution. She also could not, or would not, attest to re-disclosure in writing, nor is relevant documentation available on Nelnet 's webpage. 

Inconsistent information from representative to representative occurs on nearly every single phone call, of which I keep recordings for quality assurance purposes should you deem them worthy of investigating. 

As a result, I have received, and continue to receive, higher monthly amounts due despite having completely paid off 2 loans this year owing to Nelnet 's refusal to properly submit, apply, and/or update my account requests for re-disclosure.
Consumer complaint received 2020-07-22
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: Experian Information Solutions Inc. (GA)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-02
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. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX XXXX Late dates : XXXX30 Creditor : XXXX XXXX Late dates : XXXX60, XXXX XXXX XXXX Late dates : XX/XX/XXXX30 XXXX XXXX XXXX dates:XX/XX/XXXX-60, XXXX30 ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Consumer complaint received 2020-08-26
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. (AR)

XXXX XXXX  sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are not mine. Please remove these items from my report. XXXX  XXXX {$2500.00} XXXX XXXX XXXX {$580.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

My lender ( American Pacific Mortgage ) has been dragging their feet since I requested our PMI to be removed. House prices have gone up in my area, along with us doing some renovations to our home. I had to call them to check on the status 3 times before they even sent out a letter asking for the list of home improvements and a check for a new appraisal. In the previous 2 calls, they said the letter would be sent out, which was a complete lie since it was not even sent out yet the 3rd time I called. All the calls were a couple of weeks apart so they wasted a bunch of my time. After receiving the letter from them and then sending back the required items, I have not heard back for a month. I called them to see whats going on, in which they responded that they have not received anything and can not check with their appraisers. They are literally dragging their feet and stealing peoples money. I had a friend who removed his PMI seamlessly with another lender so Im not sure why my lender is giving me such a hard time. Please investigate this company and take appropriate action. Thank you.
Consumer complaint received 2018-07-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/18 I sent a dispute to the XXXX at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reportings on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The accounts are XXXX XXXX XXXX in the amount of {$140.00} XXXX XXXX XXXX in the amount of {$530.00} XXXX XXXX in the amount of {$0.00} XXXX in the amount of {$340.00} XXXX/XXXX XXXX XXXX in the amount of {$0.00} XXXX XXXX in the amount of {$980.00} These need to be deleted immediately for not following FCRA rules and regulations in a timely manner. These debts have never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
Consumer complaint received 2017-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (NJ)

On  XXXX / XXXX /   2017  I initiated a transfer of {$500.00} from  my Wells Fargo ac count using the SurePay system to my cousin who uses   XXXX    XXXX   XXXX . It generated a reference number #  XXXX  and my cousin also got a text message on her phone indicating that the funds were received. However, when she checked her account, the funds were not there. She immediately called  XXXX   XXXX   XXXX  to inquire, but they told her I 'd have to submit a claim through my bank because they saw no record of the funds.     Since then, I have submitted two claims wit h Wells Fargo (  Claim #  XXXX  &  XXXX   ).   Wells Fargo has closed both claims, stating that the funds were posted to an account but can not rele ase any additional information. My cousin has tried to inquire with   XXXX    XXXX   XXXX  but they refuse to provide any in  formation either.
Wells Fargo h  as told me that it 's possible  I may have  entered the incorrect phone number when I initiated the transfer. However, she got a text message indicating the transfer took place.     After opening up a claim by phone, which got rejected, I decided to send a complaint to  Wells Fargo through my online banking but this was the response I got : " ... The claim is closed beca use the transfer was sent as requested. '' The response we 're getting from both banks suggests I 'll have to absorb a loss of {$500.00} and no one can help me. I 'm very disappointed in my bank for not even attempting to help me recoup the funds.
Consumer complaint received 2018-07-04
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. (DE)

On XX/XX/18 I sent a dispute to the XXXX at XXXX  XXXX XXXX Tx XXXX and Transunion at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The account is XXXX XXXX XXXX   in the amount of {$4400.00} needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
Consumer complaint received 2021-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (GA)

I did a home improvement and it was financed through GreenSky. I have since learned that their practices in Georgia were illegal and that the loan which was approved in my living room and went directly to the merchant was an illegal practice. This loan originated in XXXX of XXXX  for the amount of {$15000.00}. The merchant was XXXX XXXX. According to your agency GreenSky was fined and ordered to repay customers. I believe I was also a victim of these illegal practices and want to find out if I have any recourse. 
Account XXXX XXXX XXXX