davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (FL)

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX XXXXn, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (MD)

I called Shellpoint Mortgage at XX/XX/XXXX to get payoff quote. My payment also due, I dont want to pay high interest and I am ready to payoff as soon as possible. 
Shellpoint will be charge for late fee after XX/XX/XXXX. 
Today XX/XX/XXXX I called again, they will ask XX/XX/XXXX days and still want to charge all the late fee. 
I request to email me payoff quote and they said I can not modify my request now. 
I am having so much neglected behavior from them to communicate. 
I ask there email address and they refuse to provide that too.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I believe I am a victim of a data breach, security freeze malfunction, credit mismatch or inaccurate information. There have been multiple disputes sent to the credit furnisher asking for correction to my credit report. I do not recognize these accounts. Please get these Items Deleted off my Credit Report ASAP! 

Here is the information to be removed from XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from Transunion ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-05-15
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Nelnet, Inc. (MN)

I began attending XXXX XXXX XXXX XXXX XXXX XXXX for the fall semester of XXXX. I was seeking a XXXX XXXX in advertising. I applied for FAFSA and was fully enrolled. I began attending classes, and I recall being called to the schools financial aid office to sign additional documents. I believed I was obtaining federal student aid loans, and was unaware that the XXXXXXXX XXXX ( loan ID # XXXX ) was a private loan through the state of MN. The school used false advertising practices, aggressive and pushy sales tactics and deceptive behavior to ensure my enrollment and payment through these loans. My original loan was for {$15000.00}, dispersed in three separate {$5000.00} increments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That spring of XXXX, this school location announced they would be closing and students could either move to another state or attend online if they wished to complete their degree. I intimately chose not to re-enroll until their closure as I had began hearing of credits not transferring or being recognized by other schools/institutions. 

As of today, more than {$6.00} billion worth of loans are set to be forgiven for anyone who went to an XXXX XXXX school between XXXX and XX/XX/XXXX. The Biden administration said the chain of schools lured students with pervasive lies, falsified data and knowingly misinformed students. Unfortunately, this forgiveness currently only applies to federal student loans, despite the fact that the same lies, false data and misinformation was used to aggressively push me into obtaining these loans by XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Discovering that Capital One has deceitfully opened an account in my name, now reflected on my credit report, is disconcerting. This deceptive act not only compromises my financial integrity but also poses a threat to my creditworthiness and overall financial well-being. It's crucial to take immediate action to address this situation, safeguarding my reputation and ensuring that I am not held accountable for any unauthorized transactions or debts associated with this fraudulent account.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

This is my complaint to XXXX XXXX for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (AZ)

I opened a claim with XXXX  for water damage to my home in XX/XX/2022. The work was completed and the claim was closed, but the lexusnexis comprehensive loss underwriting exchange record say it is still open. This has been affecting my insurance rates and my ability to sign with a new insurance company
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (MA)

Jefferson Capital has been calling me every day, sometimes multiple times from various numbers. I do pick up and tell them to please stop calling as the debt was disputed with XXXX yrs ago, who then sold it off. The debt has been repeatedly sold. Im now getting calls for this from XXXX. Maybe it got sold by Jefferson to them? This is getting out of control.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (TX)

I'm addressing this complaint in regards to undisputing a collection made to Midland Credit XXXX in my XXXX credit report. I will be closing on a home XX/XX/year> and is very important for me to get this resolved. It could affect my closing date if I can't get this sorted out by then, I have tried calling XXXX  times on these dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to try and get a response to remove this dispute off my credit.
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I was tild that i could only get a bill from the auction company once i finally spoke to the company they said that since the bill was between them and the loan company they could not give me a copy, i informed the loan company and was still told I couldnt have a copy, i have now asked for an account summary 2 times and have not received it.
Consumer complaint received 2024-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (DE)

last week from XXXX to XXXX I got many unresponsive calls from this number. I always wait for the caller because a live person I will talk to, and they never did. I was told if you do not know the number to do that. I always hang up then block the number, they called me 5 times and did the same thing, no-one talks, I blocked every call. 

This week XXXX I was paper notified they were trying to collect a debt of {$750.00}. I told them I did not owe, never had any notification I owed it because XXXX XXXX does not have a payment plan, they made me pay up front before any work. I went into to get a XXXX XXXXe, they said they had to pull a XXXX XXXX to make the XXXXl work right. I did not agree and as far as when they did pull it, it was very secure, and she worked hard to get it out. They said I had to wait for the XXXX XXXX XXXX  completely before they could do the XXXX, I called them several times to notify them the XXXX XXXX XXXX. XXXX months later I got in. They did all the work and told me I would pay them this amount in full when the XXXX got in. They did call and I went it. The woman at the desk showed me the amount I had to pay up front and I asked what if it does not fit? She said, I would leave there today with it fitting perfect. I asked for the total, and it was what I paid and went back, and they made it work perfect like they said and they were already paid and I thanked them. 
I can not remember how long it was but I got a bill for this {$750.00} amount and I told the woman they made me pay the total bill up front before I even seen the XXXXXXXX. She said to me ok, I will check into it. That was the last time I heard from them. 
I had a XXXX done XXXX  months later, never was told anything, and paid up front for that. So this is someone else 's bill because there is no get the work done before they get paid. I called XXXX XXXX XXXX and they asked for the reference number I gave it to them. Then she wanted me to give them personal information that I am not to give them, she hung up on me. I called them back later and they did the same thing again. This is XXXX without out cause.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Simply opinion based on hundreds of unresolved reports over decades. The entire system is a sham. I have not had ONE, GOT THAT ONE COMPLAINT EVER RESOLVED IN OUR FAVOR. The fact that one is judged by their works confirms the opinion is correct. Furthermore your organization a key component of this opinion because you are exactly the same and by nature of what you actually do, just collect information, you are all in the end exploiters of people.
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CONTRACT RESOLVE GROUP LLC (TX)

This collector calls repeatedly, several times a day and even called our commercial neighbor to have him bring the phone over to us because we stopped taking their calls after telling them that we were dealing directly with the creditor. They also email several times a day. They are very rude and unprofessional. They scream and call us liars. When we brought up their extremely poor XXXX reviews that were from other clients having the exact same experiance with them, they said that they would not be able to keep a good XXXX rating because " They are collecting from losers '' They went on to leave voicemails calling our office staff " XXXX '' They threatened to call clients to try and collect the balance owed to our creditor. 
All of this was through someone who was supposed to be some sort of superviosor due to another employee ( XXXX ) from their establishment getting very out of the way with our office staff and us filing a complaint on him. The supervisor was no better and maybe even more aggressive and unprofessional than the original employee that we delt with. 
Extremely unprfessional and aggressive tactics they are using. 
Read their XXXX reviews and that should tell you all that you need to know.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (VA)

On XX/XX/2024, I received emails and text messages letting me know a Chime account was ready to use. The account was registered under my name and email address. I called Chime FOUR times in attempt to get the account closed. Each time, I was told I would be transferred to the " Fraud Department '' and put on hold. After about a minute on hold, the call would disconnect. This occured every single time. On the fourth call, I was told there was likely a technical issue with the call transfer and was given the ticket # XXXX. I still have not been able to get in touch with Chime.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-05-09
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. (PA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (VA)

This is my complaint to COMENITYCAPITALXXXX for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my XXXX report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (FL)

I have sent an amount of XXXX us dollars back home to my aunt to pay for my court issues back home. As she went to the XXXX in XXXX they called me and couldnt process the transfer due to something on behalf of remitly and at this point transfer was never marked complete. As I contacted a Remitly representative we discussed what was going on and she went in the transfer and tried to change something i think reference number as soon as she tried literally seconds as she went in to try the transfer randomly marked as complete but the money was never ever received. And Ive contacted them and they say i have to wait but my court deadline is tomorrow and I can not wait and do not have the money to pay for it if I dont get it i will be in deep trouble due to their terrible service and unkown process, i need my money today or i might have to double the money for the court or I dont even know whats gon na happen at this point. Please help XXXX as soon as possible
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MA)

Inaccurate information has been posted to my credit file due to identity theft. I have received letters/phone calls from the sheriff 's department in XX/XX/year>, stating that there has been a security breach of my information under previous employers and/or computer hacks. I've sent out injunctions to all three major credit reporting agencies, ( XXXX, XXXX and XXXX ) notifying them of their misconduct in reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification between the dates of XX/XX/XXXX through XX/XX/year>. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. the companies involved are : ( XXXX, XXXX, XXXX, Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This is securities fraud and identity theft!
Consumer complaint received 2024-05-15
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

Fair Collections & Outsourcing Is listed as a third-party Debt Collection Agency located at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX This is my NOTICE of a FACT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 usc 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt. The debt collector must cease all communication Fair Collections & Outsourcing attempts to communicates. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, such as a credit file. The communication of this debt includes, any instrumentality of interstate commerce or the mails, electronic communication such as emailing, and direct and indirect communication to any CONSUMER REPORTING AGENCY. This is my last attempt in Good Faith.
Consumer complaint received 2024-01-06
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

My account was randomly set to be closed yesterday after I spoke with a particular person in a specific department. This company has no right to withhold funds that are mine and I deserve an explanation from this company. My account is being wrongfully closed and causing great emotional stress as well as financial hardship. I need this company to reject my direct deposit set to be sent later this week so that I can receive my funds elsewhere