davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (OR)

***The ONLY NAME THAT SHOULD BE ON ANY CREDIT BUREAU REPORT IS : XXXX XXXX XXXX XXXX XXXX XXXX OTHER NAMES belong to me AND MUST BE REMOVED. Including all accounts with other the other names than what is written above. *** Credit bureaus are refusing to correct this information. 

Previous complaint was to remove debt not owed. 

Company refuses to remove debt not owed or acknowledge paid in full status as attachment will show. 

Credit bureaus refuse to remove accounts with the wrong name associated or reflect current paid in full status of these debt. 

This company had a data dump of incorrect information in XX/XX/XXXX showing we owe this school loan when it was XXXX in XXXX. This is the date it was reported on my credit report. 

We have a recent document, attached, showing this account was paid in full as of XX/XX/XXXX from XX/XX/XXXX when this company said they acquired these loan balances. How can they transfer balances and collect on balances that show paid in full. 

This company continues to harassing me with frequent mailings rather than correcting the issue! 

This debt is not mine. 

This debt was discharged and showed paid in full 11 years ago! Now they are saying it was transferred. They refuse to remove or cease and desist contacting me or reporting this incorrect information. 

The recent information I will attach shows that it was paid in full as of XX/XX/XXXX. 

***It will also show my LEGAL NAME AS XXXX XXXX XXXX XXXX *** NO OTHER NAMES APPLY TO ANY CREDIT FILE OR DEBTS OWED and must be removed pursuant to US CODES. 

This company will not cease and desist reporting incorrect information and sending harassing mail to me now that they have my address
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX I opened a Citizens checking account under a promotion that was {$300.00} for a direct deposit of XXXX XXXX in 60 days and {$2.00} for every debit card purchase in 60 days up to {$100.00}. 

I fulfilled the direct deposit requirement on XX/XX/XXXX where I received a {$500.00} direct deposit from my employer. 

I was told to wait until XX/XX/XXXX for my {$300.00} bonus to post. This bonus has not been deposited in my account. After escalating with Citizens representatives, I still do not have the promotional bonus I am entitled to.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

To whom this may concern, I received a copy of my credit report with the intention of trying to improve my credit and tighten up my responsibilities. However, I noticed that there were some inaccuracies on the information that I requested. I have noticed that there are Three different companies ( National Credit Systems, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) attempting to collect this debt. Also as shown in the pictures, there are inaccurate amounts being reported from these companies. I have read about the Fair Credit Reporting Act, and according to it, by law I have the right to challenge anything is not accurate. Are you familiar with the 15 U.S.C. 1681? I understand that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted seeing that they are not 100 % accurate. So, could you please check on this account and get back with me? I saw on a Credit Site and Board where a lawyer said you have 30 days to complete the investigation. Please investigate the following accounts and remove them immediately in the act that anything is missing or not correct. In accordance with the Fair Credit Reporting Act, XXXX  Account : # 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 : States a consumer reporting agency can not furnish an account without my permission. It is also against the law for creditors to increase the amount of a debt. This account should be deleted immediately.
Consumer complaint received 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Reference is made to previous Complaint Number XXXX dated XX/XX/XXXX with a report by XXXX XXXX to XXXX in the fraud amount of {$8100.00}. 

On XX/XX/XXXX, I received an alert that a new account in the amount of {$8100.00} was opened as reported by Transunion. Payment status XXXX, Name XXXX, Business Type XXXX  XXXX Street Address : XXXX XXXX XXXX IL XXXX. 

I need assistance in resolving this confusion. My understanding was that my credit was frozen on all three reporting credit agencies, so no new accounts could be opened? Then how did this new account for the same amount start up again? 

Why would this reappear? 

Regards XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-02-12
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)

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy. 

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

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 reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of Hard Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Hard Inquiries that needs to be removed. 
XXXX XXXX XXXX XXXX, XXXX. Someone hacked into my account and tried to apply for a credit card, XXXX XXXX XX/XX/XXXX, Someone used my SS to try to apply for a credit card. 
XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX XXXX XXXX XXXX, XXXX not mine XXXX XXXX bank XX/XX/XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX  not mine 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 2022-11-23
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: EQUIFAX, INC. (FL)

Fraudulent collection being reported on my credit profile. I never opened any account nor received any service from company in question. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to Equifax and they still failed to remove this fraudulent account from my credit report. Attached is proof that Ive made several attempts to get this fraudulent account removed from my credit report.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

In XXXXXXXX XXXX  I used a check to purchase a product for {$1300.00}. In XXXX, I discovered the check had been withdrawn twice from my account. I submitted a dispute to my bank, USAA, and they informed me they could not do anything because it had been over 60 days since the check was withdrawn. 

I contacted the recipient of the check and we verified the check was only deposited once into his account. In XXXX, I went with him to his bank and we verified with the help of someone at the bank that he did not receive the funds twice. 

In XXXX, I contacted USAA again and they provide me with two tracer numbers as evidence that the recipient 's bank received the funds twice. 

I do not have a way to contact his bank, XXXXXXXX XXXX, because I am not a member other than to talk to the representative we met with in XXXX. I have attempted to contact that person four times, but she has not responded to my calls and email. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I emailed on XX/XX/XXXX. 

Today, XX/XX/XXXX, I contacted my bank again and they refuse to help any further.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (FL)

To whomever it may concern, Experian was notified that XXXX XXXX made a mistake in reporting on my XXXX XXXX. They also made errors reporting to student aid.gov. They were sent email correspondence with the student account department at XXXX, admitting to this in writing and suggesting that I make a report to address it more quickly. 

Experian has not removed the fraudulent late payment, contrary to fair credit reporting guidelines. Moreover, the loan qualified for forbearance and is in the process of being consolidated. XXXX has informed me that they reported this as an error to be removed, so it is an abomination that Experian has failed to remove it. 

I have attached my communications with XXXX regarding this manner, as well as Experian 's inaccurate reporting.
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL (FL)

On XX/XX/2023 I parked in a handicap spot and used my XXXX again and initially it said paid. When I got to the restaurant It said there was a problem, so it then said not paid.. I was taking care a person with a XXXX so I was unable to run back to my car.. I immediately used all resources listed in the app to contact but couldn't get any answer or resolution and immediately received a ticket. 

The app didn't work properly and did not provide a simple way to resolve. I feel a little scammed because the app initially said paid, then only later did it say it didn't work. 

'I don't feel that I should pay all these fines because the app didn't work properly and I tried my best to pay. 

I have attached my text conversation with their " customer service '' to show I tried. I didn't take a screen shot of the app saying it was paid because I didn't think this would become such an issue.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (MN)

Upstart received insurance money = no loss, injury or harm for the company. UPSTART has 21 days to remove their information off my Credit Report or they will be receiving a {$300000.00} TORT CLAIM per month for multiple 18 USC 242 Violations, THEFT OF MY PERSON = IDENITY THEFT/PERSONAGE, Administrating Property Without Right, Consent or Contract and for causing I, man Loss, Injury and Harm. XXXX XXXX XXXX is factually a DEAD ENTITY/LEGAL FICTION .... I, man, XXXX XXXX XXXX XXXX XXXX  am a living man... you can not cause a man or woman harm without compensation. UPSTART lost {$0.00}. They got paid, now they need to get the XXXX out of my life or they will be forced to compensate me monthly for stealing my TRADE NAME/TRADE MARK. Who is the man or woman from UPSTART claiming I owe them money? WHO? If no one, get the XXXX out of my life and off my credit report!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2023-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX ) Capital One Collection {$920.00} on all 3 Bureaus. I've sent multiple letters asking for evidence and proof that this account belongs to me and no response or evidence of any kind. 

XXXX ) XXXX {$690.00} Collection on all 3 Bureaus. Same as above. I've received nothing from this company and I don't own this debt. It's been close to a year and no response. 

XXXX XXXX XXXX XXXX XXXX {$1300.00} on XXXX and XXXX. This was never an account I had personally. They have not send me anything and again no evidence of me owning this debt. 

I need all of these accounts removed immediately. Don't care what their excuses are and their justification for reporting these erroneous accounts on my credit. I'm not tolerating this fraudulent reporting any longer. I've tried long enough to get evidence and response from them and the bureaus. 

I need you to help me to get them to remove these negative immediately because it's holding me up from purchasing a home.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (SC)

XXXX offered me a forbearance for 3 months on my mortgage because my husband had XXXX. Truist was questioning health concerns which is inappropriate. I stopped payment on XXXX XXXX through Truist and I have a letter from Truist stating it has stopped and a letter from XXXX XXXX stating that they have given me forbearance. Its been two weeks since they took my money out and still havent returned my money. The amount taken from XXXX XXXX was {$2200.00} on XX/XX/2022. I was Granted forbearance on XX/XX/2022 from XXXX XXXX.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-09
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. (FL)

My name is 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.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/2023, I discovered a debt on my Transunion report from a company called " XXXX '', which alleged I owed a debt in the amount of {$380.00} for a product called XXXX XXXX. I have disputed this account numerous times and I have even provided evidence that the alleged debt was sold, sold again, and re-sold to several debt collection agencies before seeking payment from me. Each time, Transunion simply stated that the debt had been verified. No evidence has ever been provided by Transunion or XXXX. 
On XX/XX/2023, I filed an Identity Theft report with the FTC. I additionally filed a police report with my local police department on the same day. These reports and my complaint were provided to Transunion. Transunion later replied that they would not take action on my claim for some unspecified reason. 
I have twice filed a complaint, under oath, that this is not my debt and that I have never received any goods or services from this company. This debt is seriously hurting my credit. XXXX once sent me a piece of paper that had two items listed that were purchased (? ) on the account, but there was no other information. There was no identifying information ; Nothing to prove my responsibility for the debt. 
Transunion has now taken the stance that both of my statements under oath are perjurious. Neither XXXX, nor Transunion, have been able to provide some manner of evidence that I PERSONALLY am responsible for this debt. 
It is my opinion that the debt was sold and swapped between several different collection agencies so many time that the address was somehow confused with my name ( as I loved in an apartment building for a short time during this episode ) and that I was then held responsible for the debt.
Consumer complaint received 2022-05-31
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. (IL)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (IL)

This original debt is from a XXXX XXXX utility bill however, I am moved out of my apartment and close the account in late fall of XXXX. XXXX XXXX transfer the account later in XXXX to a collection agency which is when I found out that the account remained open and they attempted to collect on the debt. I notified them that I closed upon my move in XXXX and how I now have a current account with XXXX XXXX account at my new address and that the debt is invalid due to the fact I was no longer residing at the previous location. 

This year, this month, without notification of taking over the original alledged debt This collection company has placed the debt on my credit reports. Although I disputed the validity The credit reported this debt as accurate due to the fact that it has all my correct information. However, the debt is not valid. I have closing papers and moving proof to show I was no longer residing at the previous location as stated, they kept the bill open for several months without closing the account even due to no payment and continue to bill me which to me makes no sense when I have an up-to-date and valid account at my new address/home which is still accurate to this day. 

As you can see on the documents, I am disclosing below. It has my previous address on the closing disclosure on which are closed in early winter XXXX and also documents for the warranty deed when I had the property under contract.
Consumer complaint received 2023-03-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (CA)

I disputed on XXXX on XX/XX/XXXX. I received a result on XX/XX/XXXX that my account did not change. I requested for my XX/XX/XXXX late payment to be removed because on my discover account and XXXX  XXXX XXXX account. It has shown I had paid in XX/XX/XXXX. 

I disputed on XXXX on XX/XX/XXXX. 
I explained my situation, Affected by COVID-19. I was finding stable job. My first job did not ethically pay me. XXXX XXXX XXXX had a civil lawsuit due to not paying workers lunch, break, and overtime. 
I provided sources of this outcome. I did receive part of a settlement in early XXXX. I work with children with XXXX  XXXX. I provide XXXX XXXX in the XXXX  department. It is still difficult post covid as children and their families are still getting covid. 
I was transitioning to a second job and third job early-mid last year and I had to wait 3 weeks for partial of my payment post payroll as my supervisor made an error on my end and had me work longer with no pay. It was not until XX/XX/XXXX, I found a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that has allowed me to be consistent with all payments and I have not missed any since I received that job. 

Today, XX/XX/XXXX, I received no results regarding this incident.