davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 XXXX  XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as XXXX on my XXXX report. 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXXXXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX XXXX XXXX * * on my Experian report, and alleged as XXXX XXXX XXXX * * on my XXXX report. 

Account name : XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX has violated my rights. 

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 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX ( XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$770.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 2288984 Ontario Inc. (MO)

Discovery of the Issue : On XX/XX/2023, I was alarmed to discover an unexpected derogatory mark on my credit report, reported by XXXX and XXXX XXXX. The report showed an open balance of {$2300.00}, with XXXX XXXXXXXX listed as the original creditor. 

Nature of the Disputed Debt : This debt is entirely unfamiliar to me. I have no knowledge or records of any transactions or agreements with MoneyKey XXXX or XXXX and XXXX XXXX. I am confident this debt does not belong to me.

Immediate Impact on Credit Score : The appearance of this erroneous debt has significantly damaged my XXXX XXXX. This has been a source of considerable distress, as I have always been meticulous about maintaining good credit. 

Actions Taken by Me : After noticing this error, I immediately reviewed all my financial records and found no evidence supporting this claim. As of now, I have not contacted XXXX and XXXX XXXX, as I did not want to acknowledge a debt that is not mine, but plan to do so to seek clarification and resolution. 

Lack of Communication from the Collection Agency : To date, I have not received any communication from XXXX and XXXX XXXX regarding this debt. The lack of outreach from their end has left me without a clear path to dispute or understand this charge. 

Current Status : The derogatory mark remains on my credit report as of the last check on XX/XX/2023. This has caused undue hardship as it affects my creditworthiness and financial stability. 

I urgently request assistance in resolving this matter. The inaccurate reporting of this debt has unjustly harmed my credit score and financial reputation. I seek help in having this mark removed from my credit report and ensuring that such errors are not repeated in the future.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westcreek Financial (WI)

On XX/XX/ a person made a purchase at a store called XXXX XXXX XXXX XXXX XXXX XXXX  The purchase was for {$1100.00}. This person gave a phone number of XXXX. This phone number is XXXX digit different than mine. The finance company was Koalifi, who then sold the lease amount to West Creek Financial & closed it for {$900.00}. Their phone # is XXXX No money came out of my account, but this shows up on my credit report. I am not the person who made this purchase nor am I the person who defaulted on this purchase. I need to have this incorrect information removed from my credit report as it continues to affect my credit report negativly. 
Thank You.
Consumer complaint received 2019-12-03
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. (CT)

On XX/XX/2019 XXXX XXXX  XXXX was on my credit report. I tried to contact them but was unsuccessful. I would like this account to be removed as I have no knowledge of this that is owed.
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

Mr. Cooper took over servicing my mortgage in XX/XX/2019. In XX/XX/2019 there was an escrow analysis done increasing my payment by about {$93.00} per month. In XX/XX/2019 another escrow analysis was done increasing my payment by another roughly {$4.00} per month. When I questioned why the escrow analysis was done in XXXX when one was done in XXXX, I was told per Maryland law escrow analysis are done in XXXX. So I then questioned why one was done in XXXX. One XX/XX/2019, I was told my inquiry was sent to the Research Department and a response would be provided in 10 days. Well, it has been over a month and I still have not received an explanation as to why an escrow analysis was done in XXXX and again in XXXX. I need to know why escrow analysis is being done every 6 months instead of once a year.
Consumer complaint received 2023-02-27
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. (FL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NH)

Hello, I have made on-time consecutive payments on my student loans via EFT bank transfer ( i.e. the company takes my payment automatically ) for the past 4 years, and now suddenly they are saying my account is past due and trying to say I owe over {$1000.00}. 

My payments were around {$310.00} for the past couple of years and then in XXXX they sent an email for me to update my financial statement, which I did, and then for XXXX/XXXX/XXXX the amount taken out of my account was {$510.00}. I assumed they just increased my interest rate and while it was difficult to make the payments I just wanted to keep paying my loans so I didn't contact them. 

Then as of XX/XX/XXXX I'm getting emails and daily phone calls regarding my loans " delinquent status '' and when I log into my account its saying I've missed payments and owe more than double what my usual monthly payment would be. I have all payment history and statements and there is not a single month I have missed since XX/XX/2014. I don't understand how if the company is taking money out of my account automatically I could have underpaid or had a late payment and am now being forced to pay thousands of dollars.
Consumer complaint received 2023-02-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (GA)

VIOLATION OF GA LAW REQUIRING AGENTS BE LICENSED TO ISSUE TITLE PAWNS OR LOANS XXXX XXXX ISSUED TITLE LOAN/PAWN ON XX/XX/2022 TO ME WITHOUT BEING LICENSED AS REQUIRED BY LAW Chapter 47 of Title 43 and Title 44 of the Official Code of Georgia Annotated XXXX XXXX XXXX XXXX and XXXX ; 7-3A-3. 87 ( a ) No person shall engage in the business of making motor vehicle title loans in Georgia 88 unless such person is licensed by the department in accordance with this chapter or exempt 89 from licensure as provided in Code Section 7-3A-4. 90 ( b ) Any title loan made by a person without a license, unless such loan is made by a person 91 exempt from licensure, shall be void, and any right to collect any money in connection with 92 such loan shall be forfeited. The person making a loan voided pursuant to this Code 93 section shall promptly refund any money paid and return to the borrower the motor vehicle 94 title and, if applicable, the motor vehicle or its fair market value.

1 enforcement of this chapter. 752 7-3A-46. 753 ( a ) Any person who willfully engages in the business of making motor vehicle title loans 754 without a license or exemption shall be guilty of a felony punishable as provided in Code 755 Section 7-1-845. 756 ( b ) Any person who violates any of the provisions of this chapter shall be guilty of a 757 misdemeanor, which shall be punishable by imprisonment for not more than one year or 758 a fine of not more than {$1000.00} or both.

GEORGIA MOTOR VEHICLE TITLE LOAN ACT
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

This complaint is about the process of one mortgage company selling to another. This happened to me during the month of XXXX which I became aware of in XXXX. This sale was done with NO notice to me and was sold a couple of times. The first company was XXXX, which was the company that originally financed my mortgage. It was sold to XXXX XXXX a year ago. Then sometime in XXXX, I assume, was sold to another company that do not know the name of and now Shellpoint Mortgage Servicing holds it. According to the letter I received from Shellpoint, they took ownership on XX/XX/2019. Almost 2 weeks later I started receiving all of Shellpoint 's  mailings including a statement with a {$2100.00} payment due by XX/XX/2019. Now I have taken out a loan to catch up on this and have no idea how I am this far behind in payments besides the fact that these mortgage companies are aloud to add fees on a practice that they don't inform people about or at least a lack of information to me.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

Back in XXXX of XXXX, I received an alert from the credit bureau XXXX that I got an inquiry from ComenityXXXX XXXX At the time I was at work and knew there was something wrong. I immediately disputed this inquiry with XXXX and put a credit freeze on my accounts. Then I called Comenity customer care to find out how this happen, and why is there a credit card opened in my name at a place I do not shop at. Their customer care rep said they will place my account in the investigation for the {$470.00} that was spent on this fraudulent account. It was then they told me that someone made an in-store purchase in XXXX, PA. But I lived in Florida and did not leave the state that month. Two months later, I still receive statements for this credit card I did not open. I called back to find out why, and they said the first time was only a fraudulent charge dispute, not a fraudulent account. And then proceeded to make excuses as to why that occurred. Finally said they will investigate and told me I will not be responsible for any charges that occurred while they are investigating. XX/XX/XXXX, I finally got some reply in the mail from them and their result was that my dispute was not found and lacked support. Great so what evidence did they have of me opening this said account and making said purchases in PA when I was in FL? I beg to differ on this resolution. To add insult to injury they also included a letter stating that if I am having trouble making payments, they can help. Help me pay for a fraudulent charge on a fake account? Please use common sense, would you in my shoes accept that? Comenity Capital Bank, have a human being who is close or near to a supervisor/manager role call me and discuss what evidence you require to prove I did not create this account nor did I make the purchases. Please reach the data breach letter from XXXX  that I believe is how my information got leaked but I never gave my information out to anyone.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I am trying to pay off my loans, but the Nelnet website will not let me, and as a federal loan servicer it is unacceptable. My loans also changed from being in deferment into 2024 to accruing interested and requiring payments this month and I did not receive any communication before this happened. 

I keep getting the following message when I try to make any payments : " Sorry, there's been a problem. 
The issue has been logged and reported to our technical team. 

What you can do first : Refresh your browser and try again. 
Log out of your account and log back in again.

If that doesn't fix your issue : Return to Nelnet.com and try to log in again. 

We apologize for the inconvenience and thank you for your patience. ''
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (AZ)

I had advised this company I was considering filing bankruptcy and to stop calling me, and they advised me they didnt have to until I provided an attorneys information. They also failed to read me the Mini Miranda- unacceptable under FCDPA.
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Moxley & Associates, LLC (AL)

I was contacted by Moxley and Associates in Alabama about a credit card debt that I owed. I worked out a payment arrangement to pay the debt in full over 24 months. The first payment was in XX/XX/XXXX with the payoff to be XX/XX/XXXX. I made 2 payments in XX/XX/XXXX and 2 payments in XX/XX/XXXX. This put me ahead of the original payout date. I missed my XX/XX/XXXX payment but I was 2 months ahead of schedule so I did not think twice about it. XX/XX/XXXX I went to the website like always and submitted my payoff payment for {$440.00}. On XX/XX/XXXX I had a hold placed on my savings for the amount of {$470.00} and a $ XXXX.fee charged for garnishment. What???? I called them and the guy told me that because I didn't pay my XX/XX/XXXX payment they garnished my account. He told me that he saw where I had made the payment online for {$440.00}. but that I still owed {$31.00} that was the remaining balance even though in the beginning it had been equal installments. He demanded I pay the amount using a debit card online if I wanted the garnishment released. I did pay the {$31.00} but I still have a hold in the amount {$470.00} and a loss of {$100.00}. for a garnishment fee.
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (CA)

I called XXXX to get internet service in XX/XX/2019, XXXX employee read the contract to me on the phone and asked for my consent, the contract she read included that if the service was cancelled within the first month then no charge will be applied based on that I gave her my consent to move forward with service order, the internet service speed didn't meet our expectations and we called their support multiple time to see if there is something that can be fixed but unfortunately we had to cancel the service two weeks after the order was placed and I went to XXXX office in XXXX, CA and returned the equipments and we switched back to our old service provider. 
Based on that I do not believe we should have any balance with XXXX but that was not the case they billed us for month of service which we refused to pay so they sent it to collection. 

This have caused a great harm to my credit report specially we are in the process of buying a house, The contract which XXXX employee read to me on the phone is the only contract which I consented to. 

Please help us resolve this issue and remove this unfair collection record
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Since LoanCare aka XXXX took over my mortgage from XXXX who went through bankcruptcy. I constanly got charged with late fee. Before XX/XX/XXXX my principal and interest was {$610.00} Escrow was {$170.00}. I have my bank send automatic payment of {$200.00} weekly, that was more than enough to cover the monthly bill, however XXXX still charged me {$30.00} late fee. 

XX/XX/19 I requested to drop the Escrow, I will pay Escrow by myself from that day forward, so starting XXXX I only required to pay {$610.00} however my bank continue to sent in {$200.00} a week and they still charged late fee, they receive minimum of {$800.00} a month for {$610.00} mortgage bill, I been paid XXXX this way for years and never have any problem. I have call them multiple time to request them to drop the late fee but they keep getting me run around. Early XXXX I inform XXXX represenative that I have requested my bank to send automatic payment to XXXX {$610.00} two time a month which is double the amount required. Yet they still charge me late fee for the month of XXXX.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2019-12-03
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: AmeriCollect (FL)

Americollect agreed to send a letter to all credit reporting agencies to remove and they have not stood by that agreement. 
I have filed a complaint before on this company. 
I have a copy of the letter from Americollect agreeing to remove the debt. 
It has been over 30 days since I received the agreement to remove from the collection agency.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and Experian with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to XXXX so they no longer report any updates. 
XXXX states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
Experian states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.