davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

The Department of Education/NEL NET is unlawfully reporting ( 12 ) late payments to my consumer report. The reporting of such impermissible and inaccurate information has caused severe damage to my character, my reputation, and my general mode of living and has negatively affected my ability to obtain credit for personal and household purposes. The Department of Education/NEL NETs inaccurate reporting has damaged my livelihood. 

15 USC 1681a 2 reads as follows : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The reporting of ( 12 ) late payments, which are clearly transactions or experiences solely between the Department of Education /NEL NET , the person making the report, and XXXX XXXX XXXX XXXX XXXX, the consumer, may not be included in any consumer report! Including ( 12 ) late payments and adding any reference to late payment history is in direct violation of 15 USC 1681a 2 and my consumer rights!

15 U.S. Code 1681s-2 reads as follows : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The Department of Education/NEL NET is hereby placed on notice that continued reporting of impermissible information to my consumer report is a breach of your duty to provide accurate information. As a furnisher of information to a consumer reporting agency, the Department of Education/NEL NET is prohibited from furnishing inaccurate information. The continued reporting of this inaccurate information is a clear violation of 15 USC 1681s-2. The Department of Education/NEL NET has caused me and my family severe harm due to its negligent and inaccurate reporting. Update my consumer report by removing this impermissible, inaccurate, and incorrect information. 

While it may be your policy to report late payments and other negative information, you are prohibited from attaching references to late payments to consumer reports!
Consumer complaint received 2023-05-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (AZ)

On or about XX/XX/2023 I received a notification from XXXX indicating a collection was added to my credit file by Consumer Adjustment Co for a debt in the amount of {$700.00}. I have no knowledge of this debt so I attempted to dispute through XXXX the following day and on XX/XX/2023 I received notification from XXXX that the information I disputed was verified as accurate and did not provide an explanation indicating how they found it to be accurate. On XX/XX/2023 I sent a request for debt validation/ verification letter to the collection agency via certified mail and my records indicate they received that on XX/XX/2023. It has been over XXXX  days and the collection agency has not responded to my letter or contacted me to verify and validate this debt that I have no knowledge of
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (LA)

My name 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

XXXX ( XXXX ) is charging me for a bill I do not owe. I had a balance of {$0.00} when I closed my XXXX  account and moved to a new location. I did not renew service.I am being charged {$470.00} for services at new address but I have no accout with XXXX XXXX in my name. I moved and ended my service with XXXX in XXXX, XXXX. 
This is the 4th collection agency XXXX has used against me. Non could confirm that I owed XXXX or the collection agencies. 
You have a complaint ID ( XXXX ) of a complaint against the othe collection agency, which was submitted on XX/XX/XXXX.
Consumer complaint received 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Can you please include Shellpoint MortgageXXXX XXXX XXXX XXXX in this XXXX XXXX XXXX I reached out to XXXX XXXX XXXXXXXX regarding an insurance escrow issue. I did as the bank ask and continued making my prior payment before XXXX dropped my agent without my consent and wrote a new policy with their preferred underwriter who increased the policy by 65 %. It was then sent directly to escrow without my knowledge. Insurance is not escrowed in the loan documents. After two months of paying what I was ask to pay XXXX XXXX XXXX contacted XXXX and XXXX to report the late payments. I was less than {$600.00} in arears and had done as they ask. I contacted an attorney to see what I could do. He asks me to request copies of the Loan Documents and proof of Jurisdiction over the loan and have them submitted to his office. XXXX XXXX XXXXXXXX did not respond. The Attorney reached out and was informed they had passed the loan to Shellpoint weeks before ( 2 weeks after they were informed, I had an attorney ). In XXXX XXXX XXXX XXXX  XXXX ( long after the loan was passed to Shellpoint ) offered to make a settlement with me. My attorney at that time had stepped back. He was not licensed to argue a case in Federal Court. 
I did not retain my current attorney. I had received a foreclosure assistance notice in the mail literally 10 days before the foreclosure would become final. The attorney I hired always included an additional attorney on correspondence leaving me to believe they were partners. He assigned himself as attorney of record without my knowledge. When the attorney became intimidating and harassing, I investigated the two and they were never partners. I ask the attorney several times to dismiss from the case and he refused. I had to reach out to the Texas bar for assistance. I am including this information so that you will understand why this attorney is under review by the Texas Bar for his relationship with Shellpoint. 
Shellpoint has never provided one bit of information regarding there association to this loan. I reached out to them 6 weeks ago and they responded with a refusal to comply and a threat that I never reach out to them again. 

Shellpoint has so many complaints and lawsuits filed against them. I must wonder why they are even allowed to be in business. Except, of course they are the only mortgage company that will take on these illegal loans and attempt to bully people into doing as they demand.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IL)

On XX/XX/2023, bank charged me a statement fee. On the previous statements no such fees were charged, and no communication was sent to me that such a fee will be charged on the next month statement. 

They have some sort of a policy that if I am enrolled into their smart rewards, I will not be charged a statement fee. I have been enrolled in this program since XXXX but was not charged a fee until I received the latest statement from XXXX which showed the fee in one of the transactions.

Also, the fees are shown as one of the transactions under withdrawal. I think they should have shown me the fees charged Year to Date separately so that it is quite visible and clear.

Contacting them is super difficult. One can only contact them via phone and no email. On phone the customer service agent when asked to file a complaint, seemed to justify fees rather than instruct me with directions on what happens when such a complaint is filed.

They did not even honor correcting their mistake or crediting me the fee amount.
Consumer complaint received 2023-05-30
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: Nelnet, Inc. (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XX/XX/XXXX Balance : {$8700.00} XXXX  XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  XX/XX/XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$8700.00}
Consumer complaint received 2017-03-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

i am here as a student from XXXX, applied for a credit card to bank of america, i got approved credit card for XXXX , then later my wife came from XXXX, we had a XXXX baby here, my car was stolen in XXXX filed police file, and faced extreme financial hardship due to this again i have sent my wife to XXXX with baby. that time i was unemployed. but i got job now am a XXXX in XXXX. my credit card was closed bank of america is about to collect money through third party. then i started paying minimum balance is around 700 $ and i told them i will make clear this payment once i have monthly pay salary as check. here the problem is bank of america and XXXX making me face more troubles here in USA.i am not getting any credit cards from any banks due to these issues.every one have financial hardship in their life, we believe in XXXX, we trust in XXXX, but here people are not believing human beings.
Consumer complaint received 2022-11-29
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US.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 man seven veers 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 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

I fell behind on my payment and was n't able to pay on time. I called in to make the payment before it fell into foreclosure. They refused the payment insisted i needed to pay 1 and a half payments in order to process. I asked how I was supposed to pay them before the first. ( its the XXXX of XXXX ) ( soonest i could borrow from a family member to catch up ) ( ex fell behind on his settlement due to his work situation changing. ) She said I was able to mail it in. Or do XXXX. She gave me vague instructions for XXXX seeings there was no way possible for the pymt to get there in 1 day thru the mail. After several calls to XXXX XXXX I discovered pymt was to be made thru XXXX by doing some research online. I the successfully made the payment thru XXXX. If this posts online for those of you who have had the same problem and are reading this it is CARRINGTON MORTGAGE HOLDINGS LLC on XXXX. The payment has to be credit card. They charge a fee but posts same day. The lady said it would take XXXX hrs for XXXX to post. Caused great panic for me. I feel they give you no option that is feasible. They almost force you into foreclosure. The other thing that bothered me was that in order to post the one payment they were able to only if I could authorize them to auto draft the other 2 pymts in a week to my acct. Who does that. If I am behind I certainly cant afford the pymt to post without any money in my acct. It was rude for them to not accept the pymt and force me to pay it thru an outside source. I feel they should change this and compensate me for the distress it caused me. I have panic attacks and this affects my daily living. this was not an easy thing for me. The state or government should mandate that they have to accept pymt just like a bank. After 90 days they need payment in full no partial months. They force people into foreclosure at that point. Its very unfair and needs to be addressed. I will be posting this incident online for others to read and hopefully we can get something changed. Thank you
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$980.00} XX/XX/XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

On or about XX/XX/23, I disputed an account that was reported to credit bureaus by furnisher, Phoenix Financial Services. In this dispute, I informed the furnisher that the debt was not valid and I had no obligation to pay it. I asked the furnisher to provide me with an iota of evidence from the original creditor showing that I was responsible for this debt. I also asked that furnisher provide me with address of original creditor. 

Under 12 C.F.R. 1022.43, in the event consumer makes a direct dispute with the furnisher, furnisher must conduct a reasonable investigation of a direct dispute if it relates to [ t ] he consumer 's liability for a credit account or other debt with the furnisher. 

Phoenix Financial Services failed to conduct a reasonable investigation and never provided me with any documentation from the original creditor showing that I was responsible for this debt or that I had signed anything or made any agreement to be responsible for this alleged debt. Phoenix Financial Services refused to delete this debt from my credit report and continues to report it as a " collection account. '' They also failed to provide me with he address of the original creditor.
Consumer complaint received 2023-05-30
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. (MD)

The Account I am disputing does not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, I have doubts about in the accuracy and the reported payment history on this account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX Balance : {$4900.00}
Consumer complaint received 2023-05-30
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: General Motors Financial Company, Inc. (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-30
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: AMERICAN HONDA FINANCE CORP (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately 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 2023-05-30
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: ALLY FINANCIAL INC. (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX  XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 ALLY FINANCIAL Date of inquiry : XXXX/XXXX/2022
Consumer complaint received 2023-02-03
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-02
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: OneMain Finance Corporation (NJ)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Jefferson Capital Systems severally tried to coarse and induce me to pay a debt that I do not owe and have subsequently reported it on my Credit Profile which is currently impeding on my ability to gain any measurable job and credit. They have deliberately ignored my letter to them, demanding validation of the debt and any contractual agreement with them bearing my name, signature, date of birth. Furthermore, they have proceeded to sue me in the XXXX XXXX Civil Court, GA in order to place a public record on my credit profile for a debt that I do not owe to them, thereby, further halting my abilities to move forward to provide for myself and my family. 

Jefferson Capital Systems must remove the negative report from my credit and rescind the court filing with deliberate speed.
Consumer complaint received 2023-05-29
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: MicroBilt / PRBC (formerly CL Verify) (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions