davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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 2023-04-02
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 XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Amsher Collection Services, Inc. (NC)

I have received a copy of my credit report and it shows company AMSHER COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-05-05
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$29000.00} XXXX  XXXX {$7600.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX XXXX {$460.00}
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights 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.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OR)

My student loans were transferred from NelNet to XXXX in XX/XX/2023. I have repeatedly asked NelNet to reflect on my credit report that my loans have been transferred, but they are still reporting them as open - so it looks like I have double the amount of current student loans. I have provided documentation as well to all XXXX credit bureaus. 2 have fixed it, XXXX continues to let this go on. I have contacted NelNet and XXXX both - each of whom point the finger at the other and will not resolve this issue. I almost was unable to buy a home because of this.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-11-09
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. (NJ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-05-02
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: JPMORGAN CHASE & CO. (FL)

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; JPMCB CARD is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. JPMCB CARD is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : JPMCB CARD XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. JPMCB CARD is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Consumer complaint received 2021-08-23
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/20 syncb/ Lowes Brc.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

About a month ago I applied online for a credit increase on my credit card. I have never missed a payment or have ever been late. My credit score is XXXX. I did not receive a letter or email of acknowledgement and they did not do a credit check on me, according to my XX/XX/XXXX hard inquiries. Monday, XXXX, I called the credit card company and they told me that I had been rejected and did not give me a reason, and no forthcoming letter arrived. I believe the credit card company is retaliating against me because I had a complaint with affiliated credit card that I also hold.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

XXXX XXXX blew off in Utility room flooding 3 rooms before we could get water cut off. We filed claim with XXXX XXXX immediately. NO adjuster was sent to our house because of Covid. We had to provide tons of pictures of the damage to them. Had to get 2 bids from 2 different contractors, who also took tons of pictures and sent to XXXX XXXX. XXXX XXXX helped us pick the right contractor, and sent us a check for {$91000.00} for us to both sign and overnight by XXXX to PHH Mortgage Services. Now PHH says that we have not provided an Adjuster 's Worksheet, and will NOT release OUR money back to us. There is NO Adjuster 's Worksheet because no one was sent out here because of Covid! XXXX XXXX along with myself have called numerous times. We get the run around EVERYTIME we call. XXXX XXXX has told us that they have sent every paper and Form that they should need. How do we get OUR money back from them?? Please Help!! Our home was a {$400000.00} Mortgage and we only owe them now {$63000.00}. Thank you, XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. XXXX, TX XXXX. XXXXXXXX XXXX cell ( XXXX ) XXXX, XXXX XXXX XXXX cell ( XXXX ) XXXX
Consumer complaint received 2021-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NY)

I've sent out an Affidavit of Truth and Cease and Desist on XX/XX/2021. 
The response was incorrect according to the law. I then proceeded to send a Notice of Default and Opportunity to Cure on XX/XX/2021, which has been ignored. 

BULL CITY FINANCIAL SOLUTIONS , INC, is in violation of laws listed under the FDCPA. 

The law also states An affidavit unrebutted stands as Truth. 

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
Consumer complaint received 2024-03-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I purchased a used XXXX XXXXXXXX XXXX for XXXX dollars I put XXXX dollars down and credit acceptance became my loan servicer for the remainder amount. Ive had the car since XXXX and the amount owed is still almost XXXX dollars. I missed a few payment but all in all I pay the amount due. It was supposed to be a 72 month finance and I feel like the amount owed is never going down. I am struggling financially now and I dont understand why I still owe the same balance I started with. 

Thank you
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

Through XXXX I obtained my XXXX and XXXX XXXX, but then Equifax refused to provide their report to me and made me call their call center. After several attempts I got through to their call center and they immediately began trying to sell me a subscription and to sign up for their company 's service directly to get my credit report instead of providing it free through XXXX as required by federal law. 

They are now running a scam, whereby they refuse to provide the report as mandated by law, forcing you to call their customer service number, which is a call center in XXXX or XXXX where you can hear all the other people on the phone in the background. They then attempt to sell you a subscription or to get you to sign up directly for their service, by-passing annualcreditreport.com. 

I spent a half hour on the phone, provided a tremendous amount of information, and they still wouldn't unfreeze my access. They did provide me with a CS phone number for XXXX, but it only has 3 options and none of them are to speak to a person for help. 

I want them punished for this scam, and I want access to my report digitally through XXXX
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rodenburg LLP (ND)

Open up claim XXXX Apparently Rodenburg still has failed to provide all communications between me and XXXX XXXX XXXX. and has selectively selected a few correspondences of which I did not see enclosed to them only. I have repeatedly requested information and questions to be answered from XXXX XXXX XXXX who failed to response to those and failed to forward over to Rodenbury of which I have requested all communications and identification of legal entity due to risk of fraud. Please forward copies of those communications which explains the situation. XXXX XXXX XXXX needs to take ownership of their billing tactics in rejecting patients or harassing them upon entrance upon appointments.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have used a capitalone card for online purchase of {$3100.00}. I never received the merchandise so I disputed. Later the merchant responded stating the items were behind. I called the credit card company in beginning of XXXX and said what the merchant have responded. I was following up with capitalone and no where they have told me that there is a deadline for the dispute and failed to mention it. I've called couple of times and one of the agent advised me to email the correspondence from the merchant. I did email that to capitalone email provided. I've received the letter on XXXX that capialone is stating that I no longer want to dispute the charge and where that comes from after sending the proof of email communication between me and the merchant. I've called in today XXXX and capitalone agent is stating they can not help me with the dispute so I told that I like to talk to the supervisor and got XXXX with ID number XXXX. I've explained to XXXX and his record shows the call on XXXX and after that was on XXXX. I have asked him that you do not have any information about this case what I was going through including the email correspondence sent. He stated no record showing and I was totally broke down. He keeps saying they can not do anything. This is a lot of money for me. I need help.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OPORTUN FINANCIAL CORPORATION (CA)

OPORTUN has admitted to using the EOSCAR system. THEY CONTINUE to state they verified a paid off collection account to all CRAS. They have failed to provide factual evidence of the physical relevant documentation they sent to the CRAS.

EOSCAR is not built to send any physical relevant documentation to the CRAS. THIS IS A WILLFUL ATTEMPT TO VERIFY WITHOUT ANY PHYSICAL DOCUMENTATION BEING SUBMITTED TO THE CRAS THEREFORE BYPASSING A COMPLETE AND ACCURATE INVESTIGATION UNDER THE FCRA CODE.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SD)

I have tried to get my free annual credit report but have not been able to from equifax. when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. XX/XX/XXXX and XX/XX/XXXX also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your credit report.
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

I refinanced my house in XXXX of XXXX. The mortgage was sold to a mortgaging service company in XXXX of XXXX. On XX/XX/XXXX, the first half of my property taxes were due. The mortgage servicing company did not pay them. They finally paid them on XX/XX/XXXX but they paid both the first half that was overdue AND the second half as well ; these were processed as two separate transactions. Because two transactions were received by the mortgage servicing company 's payment systems, the second transaction was kicked out as a duplicate payment. This took me from XXXX, XXXX to the end of XX/XX/XXXX and I ended up paying the taxes myself with the company reimbursing me in XXXX, XXXX. It was a serious hardship to come up with such a payment during these Covid-19 times. 

I refined my house again in XXXX of XXXX and once again, my mortgage was sold to the exact same company. On XX/XX/XXXX, I received a letter from my homeowners insurance company stating that they had sent a bill to the mortgage servicing company twice but had not received payment which was due on XX/XX/XXXX. I contacted the mortgage servicing company and they said that due to a data entry error, the bill from the insurance company was marked paid when it had not been actually paid. The mortgage company corrected the error and released the payment to the homeowners insurance. The mortgage servicing company is NewRez LLC XXXX, MI XXXX. 

These are two major issues that have occurred in 9 months. I am concerned that this will continue to happen in the future.
Consumer complaint received 2023-04-01
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. (LA)

I begin trying to fix my credit, seen a few things like personal info and accounts, and hard inquiries I did not recognize, I tried to dispute some came off report so.e did not. Still XXXX collection that's fine did have issues with stolen identity, did report is and ssc was stolen. Left friend along with my phone, she thought she was doing me a favor, she disputed somethings she shouldn't have. I was made aware by Experian when I got home. She apologize. I tried to dispute the recent disputes but, it was too late they went through, as a result I, have no credit history, and I am trying to build credit to buy a car, I payed {$200.00} to XXXX XXXXXXXX for a secured credit card and than I got an email saying that they can't continue the offer because of a dispute with Experian, and I also had a XXXX  day free trial with expian that it will not let me cancel, My goal is to pay what I owe I don't want anything extra except the credit that I had before XXXX XXXX, when the online disputes took place and I would like my credit report to return to normal please help
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NC)

After being a Chase Card customer for well over a decade, was offered multiple solicitations for acquiring new credit cards with Chase - all with bonus airline miles and hotel points. Was approved for all ( 3 ) new cards with No annual fee for 1st year. After less than 2 months with payment always paid as agreed, Chase closed all my cards. One of my ( 3 ) approved new cards was never activated but was sent to me.

Chase has done harm to my credit, has charged me an annual fee even though they cancelled my account, failed to credit my points for both airlines and hotel, failed to credit up to {$100.00} for XXXX enrollment and failed to credit airline charge as agreed upon
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Independent Savings Plan Co. (FL)

ISPC, Independent Savings Plan Co has violated numerous federally protected consumer rights under the FDCPA 15 USC 1692 in an attempt to collect an alleged debt of {$7400.00}. 15 USC 1692b ( 2 ). Pursuant to 15 USC 1692c ( C ). On XX/XX/XXXX a certified letter was delivered to ISPC, it notified ISPC in writing with a notarized sworn affidavit of truth stating facts and citing each violation line by line. I sent a cease and desist demanding that they cease all forms of communication with me through any and all mediums and that I refuse to pay this alleged debt. ISPC Compliance Manager has used obscene and language and has threatened me the consumer through harmful and unfair practice. ISPC has been reporting to consumer credit reporting agencies without my written consent and I never was provided a disclosure on if I wanted that to take place. 
I never gave ISPC permission or authorized ISPC to send me a bill. I am a natural person. Pursuant to 15 USC 1602g I am the original creditor and I extend credit to any financial institution.Please see the attached.

In response to ISPC I sent another response which was delivered on XX/XX/2020 as ISPC is continuously violating me under the FDCPA and Truth in Lending. Please see attached