davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VT)

I applied for a mortgage through a local lender and they brought to my attention that my student loans are reported to XXXX as in collections by Nelnet even though they have been in good standing for over three years and the collections issue has long been resolved. 

This issue has not only been negatively impacting my credit score and my consumer credit report for over three years but it has also prevented me from being able to purchase a home and take out other forms of credit, it has incorrectly increased my debt-to-income ratio and has caused significant financial hardship due to Nelnet 's negligence in properly reporting my student loan status. I have attempted to contact Nelnet to get this issue resolved as the mortgage loan process can not go forward until this issue is FIXED BY NELNET and it is impossible to get through to a person in their company. I have attempted to call three times in three days and it is always at least a 90 minute wait if they answer at all. I have yet to actually speak to a person at this company. 

My loans were transferred to Nelnet from Great Lakes and they are by far the worst student loan servicing company in existence. Why would they take on these additional loans from another servicer if they clearly did not have the capacity to actually service them and provide any semblance of customer service support? I will be seeking legal counsel if Nelnet is unable or unwilling to fix this issue that they created.
Consumer complaint received 2024-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (WA)

I closed the bank account that was associated with an ACH autopay on my Shellpoint mortgage. The next day, I attempted to redirect the ACH autopay to my new account, but was prevented from doing so, because there were just 5 days until the next autopay, which is a " freeze '' period ( during which time the source account can not be changed ). At that point there was nothing I could do -- the ACH autopay request was made against my now closed account. I paid the mortgage in full two days later via phone and switched the autopay to my new account. A few days later I received a letter telling me that a {$40.00} insufficient funds fee was being imposed, because of the ACH rejection. When I called to ask for the fee to be waived, because I had attempted to change the autopay source but could not due to their system, the representative told me ( on a recorded line ) that the fee could not be waived because the mortgage company, Shellpoint, was charged {$40.00} by my prior bank for attempting to withdraw against a closed account. I confirmed with my prior bank ( XXXX ) that this is false. Institutions like Shellpoint are rarely, if ever, charged for attempting to make an ACH withdrawal against a closed account. Shellpoint refused to waive the {$40.00} ACH fee and continued to insist that they were forced to pay the money to my prior bank, which meant they had to collect it from me. I believe this untruthful statement constitutes an attempt to collect a mortgage service fee in violation of state and federal consumer protection laws.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I submitted XXXX previous complaints stating that the payment history on this account ( XXXX XXXX  : XXXX ) was illegally being reported inaccurately. The information came back as verified, however the inaccurate late payments remain on my credit report. I attached the results of the investigation done by experian, who correctly confirmed that the account was in-fact paid on time and never late. XXXX is violating my rights by continuing to report these late payments and credit reporting agencies have been sued in the past for reporting inaccurate information. See below for the court lawsuits : Clark vs Transunion LLC, Civil Action No. 3:15-cv-00391 Tamara S. Frazier v Equifax Information Services LLC , Civil Action No. 1:2020cv06725 Please immediately correct all late payments and update this account to PAID ON TIME/NEVER LATE, or I will be forced to take legal action. Thank you
Consumer complaint received 2023-08-10
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (GA)

Early Warning Services is and has hosted incomplete, inaccurate information on the consumer report in which has impeded my ability to obtain remedies and checking/savings account where needed.

I have documentation from Early Warning Services showing the issues and doing what I believe they deem as the correct remedy for some of the incomplete, inaccurate information but I don't see it as so simple. I need to be compensated for the damages from the violations Early Warning Services has furnished information on my consumer report that has caused insurmountable damages to me and if not remedied here then I will be seeking damages in state and or federal court. 

DOCUMENTATION INCLUDED : AFFIDAVIT EXHIBITS ( EARLY WARNING PROPOSED REMEDY FOR DELETION OF INACCURATE ACCOUNTS )
Consumer complaint received 2024-08-24
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. (FL)

In accordance with the Fair Credit Reporting Act, Account Name : XXXX XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I

just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. Account Name : XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Greenberg, Grant & Richards Inc. (FL)

XXXXXXXX XXXX XXXX picked up a pallet of freight from our bussines at XXXX verona XXXXthis freight was only picked up at our address, we never asked for this to be done .this was between one of our customers and a salvage yard.i 'm not sure who called for the pickup but it wasnt XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX , thats our companys name.The bill of lading had our name as the shipper, we never made any contact for this freight to be picked up or shipped, we never signed any bill of lading.They the XXXX XXXX  kept billing us, we kept telling them it wasnt our bill.Now they are using a collection agent to go after us.Can you help us? The XXXX XXXX says they can't do anything about this mistake unlees i get one of the other parties to take on the shipping.Ive asked for proof of us ordering thier services, they sent me a copy of the bill of lading and we never signed for thier services.It seems that it's their mistake and they wont correct it.NEED HELP PLEASE.XXXX, XXXX XXXX  phone is XXXX # XXXXthey are using a collection firm in XXXX XXXX XXXX file XXXX
Consumer complaint received 2024-10-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (AZ)

On XXXX XX/XX/year>, venmo closed my account citing security risk. 

I had a teen account as well. 

They wrote me a letter saying that they will avail any funds to me within and upto XXXX  days by XX/XX/XXXX. 

After XX/XX/XXXX i asked venmo to close both mine and my teen accounts. I have received a letter saying they will no longer deal with me. They refuse to close my account despite the XXXX days being over. 

On XX/XX/XXXX they contacted my teens email and let him know that the hold they had on his money was lifted and he could withdraw any money. After adding my account they still put a restriction amd lied that he could withdraw when there was no withdrawal optiion in his account. He could not withdraw his funds. Venmo acknowledged that legally any funds belong to the account holder. 

Now it is the runaround. With canned responses. 

I want my account closed. I want all funds in my teen account either returned to the direct depositor or made available for withdrawal. Venmo refuses to close my account. XXXX  days are over. I have attached all relevant correspondenscence.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX reported to my credit bureaus a late-payment during the Presidents " On-Ramp '' program timetable. I have paid off the loan in full once they did that, but the reporting of missed payments has significantly impacted my credits. I filed disputes with the credit bureaus, but that did nothing.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (CA)

In XXXX of 2020 I was first contacted by The Bureaus Inc. regarding a debt that I was told I owed. This debt, however, had previously been identified as fraudulent, and I had taken action to have it discharged. I immediately informed The Bureaus Inc. that the debt was not valid and should not be pursued. I also gave them a police report and FTC report. 

Despite my communication, The Bureaus Inc. continued to attempt collection. As a result, I reported the matter to the XXXX XXXX XXXX  and contacted the legal representative of the original company associated with the debt. the companys lawyer confirmed that the debt was fraudulent and assured me that they would correct the error on my credit report. 

However, despite these steps, The Bureaus Inc. has continued its attempts to collect this fraudulent debt. I have repeatedly asked for this issue to be resolved, but no action has been taken to remove the debt from my credit report. 

I am requesting that The Bureaus Inc. immediately stop all collection efforts related to this fraudulent debt and remove it from my credit report, as they were notified of the discharge and the fraud claim. Failure to comply will leave me no choice but to pursue further legal action to protect my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date of Birth : XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TRANSUNION FILE NUMBER : RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my XXXX credit report, is the result of that XXXX. 

Accounts : Account numbers : Date Opened : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX so I do not need Transuion to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or XXXX trafficking if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you Transunion. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$3700.00}
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2024 Subject : Formal Dispute of Inaccurate Information Under 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to formally dispute an account listed on my credit report. I have identified several inaccuracies associated with a late payment on my account, which I have detailed below : Creditor Name : XXXX XXXX Account XXXX Date of Late XXXX According to 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( a ) ( 5 ) mandates that any disputed information found to be inaccurate or incomplete must be promptly corrected or deleted from the consumer 's credit file.

The inaccuracies in this account include : Please delete this Late payment for incorrect information. 
Given these discrepancies, I am requesting that you either update the information to reflect accurate details or remove the account entirely from my credit report. Failure to comply with the above-mentioned statutes will necessitate further action. 
Please be advised that if my request is not satisfactorily addressed within 30-45 days from the receipt of this letter, I will proceed with litigation to seek {$1000.00} in damages for each inaccuracy on my credit report as provided for under 15 USC 1681n and 15 USC 1681o .

Attached, you will find copies of my credit report highlighting the inaccurate information, as well as any supporting documentation to substantiate my claim. Please conduct a thorough investigation and respond in writing to confirm the resolution of this matter. 
Thank you for your prompt attention to this important issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXXXXXX XXXX XXXX  Balance {$850.00} XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX  Balance {$550.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$460.00} XXXX XXXX XXXX XXXXXXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX XXXX Balance {$540.00} XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$56.00}
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc. (CO)

On XX/XX/XXXX I contacted Aqua Finance to inquire what the " Final Payoff '' amount for our XXXX XXXX XXXX XXXX XXXX XXXX was. The " interest free '' period was to expire on XX/XX/XXXX. I believe that I was told that the " payoff '' amount was {$11000.00}. Therefore, on XX/XX/XXXX we paid that amount. For the next three months we received notifications that the payments of XXXX dollars were due. After that, we did not receive any billing notifications, until we received a statement in the US mail, dated XX/XX/XXXX, that we still had a balance of {$6200.00}. This was the first correspondence since XXXX of XXXX. They said that we did not fully payoff the debt, when we paid them {$11000.00}. According to them the payoff was actually {$11000.00}, and we still owed them the {$700.00} plus all of the accrued interest from day one of the " interest free '' loan. I have attached a WORD file that shows the three emails that I referred to. I am willing to forward the actual emails to you upon request.
Consumer complaint received 2024-09-25
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. (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I do not believe that the debt that is reported for the amount of {$490.00} LVNV Funding Llc is valid. It is showing as an open account which isnt correct if it is in collections. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. 
Please remove this information from my credit report.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (CA)

My card was charged for {$2000.00} for legal services in XXXX XXXX XXXX. The law firm did not execute an agreement with me as required by CA requirements, and then did one of the legal services I asked them to do without permission ( sending a demand letter to other party ). I disputed the charge as I was charged amounts not agreed to, and the merchant did not respond to resolve the issue. Even if part of the charges had been valid, they were charging for things not ever agreed to, but shouldn't have charged anything as there was no formal agreement between both of us. 

I disputed the charge and provided information as requested. The case was closed as I could not provide a second opinion. I found out my complaint was filed wrong by FNBO, and was told they could request it to be reopened given the reason for dispute was entered wrong. This was closed again. By XXXX, about XXXX months after the start, I was told they switched dispute systems and they could reopen with the correct reason for dispute. They did this, but then promptly closed the case again. That was late XXXX. I didn't find out until XXXX XXXX XXXX when I called to check status. They sent me a note saying they combined the files with the prior dispute, back in late XXXX, but it didn't say it was closed. I never received any notice they found the dispute resolved. Unfortunately, it appears they continue to use the wrong dispute reason to justify closing the dispute ( as quality of work, versus unauthorized, was used. ). I can not get them to assist in this matter, as is there obligation.