davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (SC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-01-05
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX XXXX and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted XXXX  ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact XXXX. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for XXXX  to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to XXXX  compliant departments. 

TransUnion submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact XXXX   regarding my concerns. XXXX provided the same recommendation but I was informed to contact XXXX and the XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX and was informed to contact the reporting agencies and XXXX. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with XXXX. For XXXX, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.
Consumer complaint received 2019-12-22
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: Professional Collection Company (TX)

Professional Credit if XXXX LA is reporting I owed {$600.00}. The debt was {$400.00} and was paid by my health insurance company as Soon as the doctors office filed with the correct company. They filed with my old insurance even though on my previous visit they filed with the correct company. So clearly they had the right information. I discussed with doctors office the {$400.00} debt and they claimed I owed 50 % more because they turned over for collection. Thus was years ago. Ive already had it corrected with another credit reporting company years ago but it remains n XXXX report. Professional Credit of XXXX LA is falsely reporting the amount of the original amount.
Consumer complaint received 2024-01-05
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. (MI)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-05
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. (GA)

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 Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2020-06-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

CASE : XXXX Macy 's response to you said that Macy 's had deposited my refund of {$43.00} into my XXXX Acct on XX/XX/2019. My bank statement does not show any deposit from Macy 's. You need to know they are misleading you, & Macy 's is now given my name to Debt collectors. What's more, I have informed Macy 's Reps of their error on multiple occasions, but Macy 's continued to charge me interest & fees on money I did not owe! In fact, they still owed me!
Consumer complaint received 2019-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Consumer complaint received 2019-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I submitted complaint # XXXX-XXXX  to your agency. Please refer to that complaint for history leading up to the closed date of XX/XX/XXXX with reference to the response to my complaint received from Fifth Third Bank XX/XX/XXXX. 

In the letter dated XX/XX/XXXX after a very significant amount of time Fifth Third Bank admitted the errors made within their institution and assured me the resolution was complete and if I concede and accept the resolution to pay {$5400.00} by XX/XX/XXXX all late fees, and ALL LATE PAYMENTS BEGINNING IN XX/XX/XXXX AND THE CHARGE OFF REPORTED TO CREDIT BUREAUS REPORTED IN XX/XX/XXXX WOULD BE REMOVED UPON RECEIPT OF THE PAYMENT. 

I called the proper department named in the letter prior to XX/XX/XXXX to pay the amount due only to learn that they were not able to locate XXXX XXXX ( represents the office of the president department ) and therefore could not accept the payment??? I tried back the following day and after 61. Mins 54 seconds I was finally able to pay via ACH DEBIT. 

I placed multiple calls to the department named above XXXX specifically where I left 4 voicemails from XX/XX/XXXX in order to follow up with the removal of derogatory statements on my credit reporting. To receive a voicemail from XXXX XXXX XXXX at XXXX XXXX  telling me that I now need to make an additional 3 payments prior to XX/XX/XXXX ( statement dates not specified ) instructing me to pay an additional XXXX x 3 by XX/XX/XXXX. Upon receipt of 3 MORE PAYMENTS THEN SHE COULD REMOVE DEROGATORY STATEMENTS ON MY CREDIT REPORT. I paid XXXX XXXX UP UNTIL XX/XX/XXXX an automatic payment every month until this loan transition to FIFTH THIRD. FIFTH THIRD WAS PAID XXXX TO XXXX AND XXXX PAYMENT TO BE WITHDRAWN THE XXXX THE SAME DAY FOR YEARS. At this time my previous complaint is not closed its open with no resolution completed. All I received were words NO ACTION. They have had many month to sort through this issue as it was brought to their attention 3 times per month for 6 months. NONE OF WHAT WAS PROMISED BY FIFTH THIRD BANK WAS COMPLETED WITH THE CREDIT BUREAUS. 

I AM IN THE SAME POSITION AS I WAS XX/XX/XXXX FIGHTING WITH A COMPLETELY DISORGANIZED MALFUNCTIONING INSTITUTION THAT CLEARLY HAD NO BUSINESS TAKING ON THIS MERGER. AGAIN I AM THE INNOCENT VICTIM WITH DESTROYED CREDIT AS A BUSINESS OWNER IT MAKES MY STRUGGLE EVEN HARDER. 

PLEASE HELP ME XXXX
Consumer complaint received 2019-12-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Auto Finance refinanced my loan in XX/XX/XXXX. I have completed 2 limited power of attorney documents, notarized and mailed and they still have not completed title transfer. The car was totaled in an accident XX/XX/XXXX. XXXX XXXX XXXX is ready to payoff but Capital One will not provide letter of guarantee on title due to their ineptness in not transferring title. 

Please keep in mind I have been making payments on a car that they have no legal interest regarding lien holder status. 

I can not obtain a new loan until this is paid off when they are advising can take 3-4 weeks. In the meantime the loan is accruing interest even though they know the car has been totaled. 

I am requesting assistance in getting this resolved. 

Thank you
Consumer complaint received 2019-12-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (AZ)

Regions Mortgage - Loan Account : XXXX We paid our mortgage loan completely on XX/XX/19. I contacted Regions Mortgage the same day to make sure the auto withdrawal was stopped. I have emails from Regions Mortgage that the withdrawal was stopped. This morning XX/XX/19 they have secured funds from our XXXX  XXXX XXXX account and are proceeding to withdraw funds for a mortgage payment that no longer exists. 

I complained about the process and spoke to someone about this issue. I have confirmation the loan is paid. I have confirmation from Regions the withdrawal was stopped on XX/XX/19. 

I have attached their website page showing our loan detail. You can see the principal balance is XXXX. Amount due is XXXX, yet they have secured funds from our bank to pay a mortgage with XXXX  balance. 

Please assist.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

After applying for a loan, Equifax is reporting my address incorrectly ( XXXX XXXX XXXX # XXXX  XXXX MD XXXX ) wrong address, and has an Online Credit Collection Agency for XXXX XXXX ( XXXX ) account on my credit report with a fictitious account number. 

XXXX XXXX is unable to verify or dispute the collection account information. 

Collection information that was reported incorrectly was removed from the report then replaced back on the report with a more recent date of report. 

These issues are causing hardship for me to get housing, a loan, a job or advance credit.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

I made N agreement with us bank card like all other creditors that I was unemployed and I need help and they agreed to allow me to skip the payments of my card till XXXX starting in XXXX and resume on XX/XX/XXXX and they removed all late, so what they did is they diminished my credit limit to a minimum to force the card to be maxed out of limit and when I called them they said that now, that they agreed to remove all late fees but that they never agreed to allow me to skip those 2 months, there for I lose and my credit rating will drop cause it shows one card account that is maxed out when I was under 50 % on my credit line
Consumer complaint received 2022-10-04
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)

I was told these credit card application would be soft inquiries and would not show up on my credit report. In addition, I went to purchase a vechilce and only gave authorization for one inquiry. The dealerahip sent it to various bank without conset. Please delete this unauthhorized inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One My Account is up to date I have late payments because I got layed off due to corona virus. 

I was one time and never maxed my card out I usually keep a XXXX balance every month I tried to get a limit raise to lower my utilization but they would not work with me I want to dispute the late payments since I have my account back up to date
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WASHINGTON FEDERAL BANK (WA)

This complaint is regarding Flood Insurance. 

I obtained a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX on the purchase of a home in 2019. I was required to obtain flood insurance. The XXXX banker obtained a quote for us on the flood policy and we accepted it. The premiums were added to our escrow. A year later, when the premium came due, we received a bill, we contacted the insurance company and asked about payment of the premium. We were advised that it was lender paid. A week or so before the premium was due and the policy would cancel, we received another notice regarding the insurance and the premium. We called XXXX and explained the situation. They advised they would follow-up with the insurance carrier. We then received a letter from XXXX advising they had not received proof of insurance and were requiring it. I called XXXX and spoke to their insurance dept and they said I would need to get another policy or they would put a mortgage mandated policy on. I am upset that they did not due their due diligence in making sure they paid the premium I had already paid in my escrow. I am concerned that now the premium will be higher. I spoke with a member of their management and did not feel they were taking responsibility or offering to provide a solution. They and the insurance company are the ones that failed in making sure the policy was paid at renewal. If the premium is more, they should be responsible for the increase. 

Thank you, I await a response.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have mailed and sent TransUnion copies of the court dismissal paperwork of the debt I supposedly owed to XXXX XXXX. The paperwork clearly states the companies name, XXXX XXXX and the words dismissed without prejudice to ( Me ) XXXX XXXX.
Consumer complaint received 2019-12-27
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. (FL)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2022-01-21
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-06-28
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. (MD)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXBalance : {$0.00}
Consumer complaint received 2019-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.