davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My wife and I are on the market for our first home, after reviewing my credit report I noticed some hard inquiries and collections that do not belong to me. I amseeking your assistance in helping me remove these negative reports and inquiries. They are severely impacting my ability to obtain a loan.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Timely payments have always been a priority for me regarding this account, ensuring that they are never overdue. I'm perplexed by the presence of late payment remarks on my accounts. It's important to note the provisions of 15 USC 1666b - Billing Error, which necessitate corrections when errors occur.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX Balance : {$2300.00}
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

A collection account appeared on my consumers reports on XX/XX/2023 XXXX XXXX XXXX, that doesn't belong to me. I have spoke with all three credit bureaus and sent them a letter of dispute.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (TX)

I am currently in a settlement agreement with Rausch Sturm Collection concerning a debt for XXXX XXXX   XXXX aka XXXX. The agreement was dated XX/XX/XXXX from XXXX XXXX, Director of Collections for Rausch Sturm to the Debt Consolidation Agency , XXXX XXXX XXXX XXXX XXXX, I am currently working with, in reference to my debt. The first payment went out on XX/XX/XXXX, per the agreement, and has continued since to this day. The last payment is expected on XX/XX/XXXX. I have been making my payments regularly and have proof. I also have proof of the settlement agreement from XXXX XXXX, Director of Collections to Rausch Sturm dated XX/XX/XXXX outlining the agreement sent to XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, Rausch Sturm XXXX Office filed a lawsuit for judgement against me. The case is expected to go to trial on XX/XX/XXXX. No one at Rausch Sturm wants to talk to me in order to resolve this issue. I am still making payments per the agreed settlement, but they still won't remove the open court case against me.
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (TX)

I do not know where they got my # from but told 2 agents in separate ocassions tha the person they looking for is not me and i have No Business with ERC block the # and they called from a different # is very annoying and disrespectful, i did Not cosign for anyone Im Not The Person they looking for ...
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (MS)

Dept of Ed / Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Reported I owe {$4100.00} This does not belong to me please have this removed from my report. 
Please have them send me the application that requested this loan so that I Can file a police report for identity theft.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

In XX/XX/XXXX I review my credit report and noticed inaccurate information on my report. I disputed the information with the credit bureau and it came back as verified. 
The last status update date shows as XX/XX/XXXX and that is inaccurate and incomplete information. It also has another late payment of 30 days that XXXX  is not even aware that is being reported.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> ''
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I would like to dispute the following items off my credit report : XXXX : XXXX XXXX Acct : XXXX {$2300.00} XXXX Acct : XXXX {$0.00} XXXX  Acct : XXXX {$410.00} Experian : XXXX XXXX Acct : XXXX {$2300.00} XXXXXXXX  Acct : XXXX {$0.00} XXXX : XXXX XXXX Acct : XXXX {$2300.00} XXXX Acct : XXXX {$0.00}
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Due to the XXXX XXXX projected and upcoming Higher Education Act in XXXX, I ceased making payments to my outstanding XXXX loan starting XX/XX/2023 and resumed payments starting XX/XX/2023. [ also see XXXX acct stmt & news articles attached ] During that timeframe, I received numerous messages -- letters from XXXX, stating that the loan I currently had was in forbearance, therefore did not make payments for that period of time. I did receive a final letter from XXXX ( in the Fall ) stating that it was important that I begin making payments again -- and catch up with any outstanding payments no later than XXXX, which I did. 

In the month of XXXX alone ( and within a 30-day period ), I made five separate payments each a minimum of {$180.00} ( with 3 payments at {$220.00} minimum ) totaling {$1000.00} ( see attached XXXX statement ). 

During the forbearance period ( XXXX XXXX ), I received numerous letters from XXXX stating there was an overall forbearance in effect for outstanding student loans and there was an opportunity available at that time for a pause in making payments. 

My intent was to pay the amounts due I had the funds available to do so Thinking that the forbearance would not create a problem with my credit history -- as it has and looking forward to the XXXX Administrations next steps for the upcoming program. 

My current FICO is much lower ( from XXXX ) which dropped at the end of XX/XX/2023. But also the forbearance ( payments ) have been reported to the Credit reporting bureaus as Serious Delinquency. 

Im requesting that my credit history be corrected and the delinquencies be eliminated due to the understanding I ( and the XXXX ) had regarding the ongoing forbearance period during XXXX 2023, which was not accurately reported to the Credit Bureaus.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/ I bought a car from a dealership. When my daughter was struggling to make payments. I told my daughter to bring me the paperwork they put in the glove box when we left. My Grandbabies needed a safe car to ride in, but there are so much false information an not told information. This is not me trying to get out of a car. They call me an say come to dealership sign paperwork. I told them XXXX XXXX XXXX XXXXXXXX  an couldn't stay long there. I thought I was gon na sign with my daughter but when I got there it was in my name only.i gave no income cause I don't have income. I can provide proof from social security yearly statement. When I got there the new man working there was a previous worker that I had previously worked with him an I trusted him. So when the other sales man had me signing say here an here an here.i trusted everything. I have paid 2 previous vehicles great with this dealership with that I never received. I'm reporting defamation information from dealership. They also added so much add ons to the contract. The car was XXXX. I ended up financing XXXX. Total will be XXXX .this is double the price of the car.Spoke with general manager XXXX she was suppose to email me my credit application 3 time. I wanted to see what kind of income an what they put down on me. I do not receive XXXX. I feel like fraud has been committed. Oh yeah XXXX said the car is now worth XXXX. I have so many other complaints on them sn how can XXXX XXXX even make me a loan for a car when I had no income. This extra XXXX XXXX that doubles the cost will result in the car being repossessed. If there was the right amount of the car being financing maybe she can keep the car.but due to false they made to XXXX. They have tried to produce credit application but they only sent contract. So no one can produce no information. Or wrong information
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I purchased a vehicle thru XXXX XXXX and XXXX yrs into the loan thru XXXX XXXX I find out that there where XXXX different contracts with XXXX different amounts that I was totally unaware of the one XXXX XXXX has that the dealership sent to them with my signature fraudulent activity using my signature but not from me I made both the dealership and finance company aware of this and they rapidly blamed each other and the dealership also refused to show me any proof of my purchase or contract I was told the car was brand new and that I was sold a extended warranty that I later found out was not true on the contract the finance company had as well as a vehicle I had I plan to trade to the dealership was showing in the contract as a trade when I actually was told by the sales guy they won't be taking my trade I went to the dealership with the finance company on the phone and was treated so bad I cried they kept saying that the finance company had gotten my contracts confused with another company the lady at the finance company was hearyhim say this and told me he was being recorded and to stay calm but later they both have yet to fix issues also the transmission had went out six months after i purchased but kept being told due to COVID-19 i cant get in for repair then later i discovered this because i had the fun company send me there copy when i notice the amounts where off during attempting to make a payment over the phone with a rep who later sent me a copy of the ond they where sent please help me i am mentally exhausted heart broken I honestly went to the dealership trying to better my financial future and it made my worst nite mare a reality please help i am in the process of tryin to fix my credit and this is not right thank you to whom this may concern
Consumer complaint received 2022-12-07
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. (SC)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NV)

Citibank 's Internal System is defective and does not work.=- THEIR MANAGERS ARE DIRECTLY SABATOGING THEIR OWN SYSTEM AND YES I HAVE PROOF VIA EMAILS OF OVER 1 year from the branch manager - 1 year ago they closed my account. The regional manager said that it was because " their system didn't like my company name '', this was after 6 months of the account opening. 

Manager told me to " change the name and reopen a new account ''. - I compiled. 

Last XXXX I went online and my personal account was closed and ALL THE MONEY WAS TAKEN OUT. 

-- I immediately called Citibank back office. 4 hours on phone they told me I had to go into my brach to get my money. -- - I complied and went into the branch whereby I was told " there is no one available to talk to me for the next 2 days to call the back office to get my money sent via check ''. 


I got the branch and regional managers personal email address, so I setup a recurring email to email them weekly from XXXX to now ( XXXX ) asking when I will be receiving my CHECK. the only reply I received was ONE EMAIL stating " CALL ME ''. - I complied and called over 50 times, the branch directly just rings and rings than it connects to their back office. I have notes and proof of everything. 

today I woke up and logged in and ALL OF MY COMPANY AND INVESTMETN ACCOUNTS ARE CLOSED. I received NO notice, NO letters, AND ALL OF MY MONEY IS MISSING!! 

what I believe happened is Citibank changed my mailing address without permission and I do have PROOF OF THIS VIA EMAILS WITH THE BRANCH MANAGER! I am very concerned bc no one at the branch knowns anything, ALL MY MONEY IS GONE, AGAIN!! 

I NEED MY MONEY BACK RIGHT AWAY AND I STRONTLY SUGGEST YOU REVOKE CITIBANKS RETAIL BANKING LICENSE, THIS IS PATHETIC THanks so much
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to formally contest the accuracy of information regarding an account listed on my credit report, detailed as follows : XXXX XXXX XXXX. 

This account is fraudulent, and I have already reported the issue to XXXX XXXX, the bank associated with this account. XXXX XXXX has acknowledged the error and committed to updating their records accordingly. There is no legally binding agreement for this account, and I am requesting its immediate removal from my credit report. 

I urge for a comprehensive investigation into this matter and the swift deletion of the inaccurate and fraudulent account from my credit report. The acknowledgment from XXXX XXXX regarding the fraudulent nature of this account should serve as ample justification for its removal.
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation (FL)

I have been paying the loan always before XXXX. My income has decreased in the past XXXX years. They start calling me at XXXX XXXX XXXX  day after it is due and at least XXXX times a day and XXXX day afternoon and evening