davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The title loan account was opened in XX/XX/2015 the company did not disclose that they were reporting payments to the credit bureaus, this was optional at that time according to the advertisements, the employee at the store made this determination on my behalf without consent. They are a predatory lender with a much higher interest rate than advertised. They violated XXXX, falsely advertised, and represented rates making it impossible to meet the terms as a consumer. They tried to keep the vehicle as it was in their possession from the time the loan was in place. The loan defaulted, once defaulted we paid the loan in full plus any fees they charged. These fees were never provided upfront or officially disclosed in any documentation, it had to be what they said we needed to pay plus storage fees and other bogus fees. XXXX would not give us the location of the vehicle after payment, we had to go to several local warehouses to try and locate the vehicle on our own with little to no cooperation. This company takes advantage of consumers. I have disputed XXXX 's credit reporting practices over the last 3 years countless times and they continue to falsely report when they were not authorized.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (FL)

I wrote the three credit bureaus, XXXX, Equifax and XXXX  on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2021-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote the three credit bureaus, XXXX XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (TX)

XXXXXXXX XXXX sent my bill to collections at Bull City Financial Solutions who sent it to the credit bureau I was not aware of this .I was never contacted thru mail or phone. I was caught totally by surprise.I paid the ambulance company.And was told it would take up to 30 days.My score went from XXXX to a XXXX .My credit score is my life and their has to be some rules to keep this from making sure these companys dont just make up there own..
Consumer complaint received 2023-12-07
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. (IL)

-To whom this may concern : I recently went over my credit report after receiving a credit alert that made me realize I need to look at my credit. After doing so I noticed several issues that I am not aware of. I listed the accounts below that were opened fraudulently and ask that you please help me remove them. 

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 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 2021-07-26
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. (GA)

This is becoming a serious issue. Your company has still not followed the instructions that were clearly stated in my letters that were sent on XX/XX/2021. I demanded that you produce for me the original consumer contracts bearing my signature for that accounts that were listed in my letters through physical verification which you were required to do by federal law per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Till this day I have received NO original consumer contracts bearing my signature on it at all showing that those accounts are indeed verified and accurate. All you did was complete the disputes and said that the accounts were verified without providing the information that I demanded. As a consumer, I am completely disgusted at the fact that you have openly committed federal violations as if I don't know my rights as a consumer. This violation is grounds for immediate deletion of all accounts that were listed in my disputes. since you want to XXXX XXXXXXXX and stall with my disputes and pretend as if you clearly cant read, I'm evoking my rights as a consumer Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) ( 2 ) I demand that you remove all accounts listed in my letter because i have not given you any permission to report any accounts onto my consumer report in the first place. i have attached the first dispute dated XX/XX/2021 as evidence and my new letter dated XX/XX/2021 containing the 3 accounts that I'm demanding be removed. if you decide you want to ignore or stall with my request I will file a law suit requesting monetary relief for the damages of your inaccurate reporting as well as the clear violations you have decided to commit.
Consumer complaint received 2021-07-26
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. (TX)

I have tried to reach out to each credit reporting agency and they have been closing my complaints every time. I am giving authorization to to pursue this complaint. I have attached my credit report for this account and there are multiple discrepancies on all three credit reporting agencies. The open dates, high credit amount, the inaccurate late payments dates are also inconsistent. Also there are missing report dates as well. These numbers and dates are supposed to be the same. If all three credit reporting agencies receive the same information from the same creditor, why are these numbers so vastly different?
Consumer complaint received 2021-04-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BSI Financial Holdings, Inc. (GA)

I had a title 1 loan with XXXX  XXXX  XXXX  th.at was sold to BSI financial XX/XX/XXXX. My loan was due every 5th  of the month so XXXX payment was made to XXXX  since I did not get notification that the loan had been sold to BSI. XX/XX/XXXX BSI called about the payment this was the first I had heard that they were the new servicer. After verifying with XXXX and being told XXXX payment would be transferred at the end of XXXX. I continued to get calls from BSI so I made a {$100.00} payment on XX/XX/XXXX so the calls would stop. Then I received an email from XXXX that the XXXX payment was transferred XX/XX/XXXX. XXXX came around and after the 5th I started receiving more collection calls from BSI about the XXXX payment. I explained and sent XXXX  email that XXXX payment had been transferred XX/XX/XXXX and that on the XXXX I made a payment which should be considered as my XXXX payment. As of today and many calls to and from BSI the account is showing past due for XXXX. transferred payment has not been applied to bring me current. I have sent proof of payment to BSI from my bank statement also forwarded the email from XXXX about the payment transfer. Every time I call BSI I am told they are looking into it. This has been since they became owner of account. I have also today sent a payment ledger XXXX sent to show the XXXX and all other payments. The problem is not with me it is between BSI and XXXX but BSI has been showing late for XXXX. I have sent them proof with bank statements and with payment ledger but no one will get it fixed,
Consumer complaint received 2021-12-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (AL)

On XX/XX/2021, a representative from Republic Finance located on XXXX XXXX XXXX in XXXX, AL called me a total of 5 times via my cell phone with in minutes of each other. During two of those calls they left me two messages one at XXXX XXXX and the other at XXXX XXXX. On the 5th call I answered because I was at work and at that point I felt that I was being harassed for an account that was only a week late. I get that my account is late but to call me a total of 5 times is excessive.
Consumer complaint received 2021-12-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Westlake Services, LLC (CA)

On XX/XX/2021 I submitted a negotiable instrument to XXXX XXXX for the full amount due with proper instructions. The negotiable instrument was deposited and my account was credited with the wrong amount.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021, I submitted a negotiable instrument to Capital One for payment in full. They credited my account for a different amount than what was instructed on the negotiable instrument. The instrument was deposited.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Filed bankruptcy- Chapter XXXX in 2011. It is still showing up on my credit report. I have applied for a federal job and this might be a cause to not being eligible. All three credit companies still have this on my report. According to Georgia Bankruptcy court, this should have fallen off a while ago and they do not have control on what they report on.
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

This letter shall sever as my formal and last notice of my intention to file suit against your organization in small claims court on due to your blatant disregard of the law, by reporting inaccurate information on my credit file. In 2017 " XXXX '' one of the 3 major Credit reporting agenices leaked the data of XXXX XXXX Americans, including myself. As a result of this breach, I have become a victim of identity theft, leaving my credit file tarnshed and my overall credit score destroyed.The data breach exposed ( My Name, Birth Date, Address, Phone Number, Social Security, as well as my Drivers Licenses number ) .This negligent on " XXXX XXXX part, will leave my personal information permanently available for access at any time. I will forever have to look over my shoulder, check my credit score for accuracies, and fear of someone using my personal information, this has caused me a lot of mental and emotional stress, knowing that my peronal information is in the hands of " The XXXX XXXX Hacker ''. Your company is in direct violation of the Fair Credit Reporting Act, due to the " XXXX XXXX Security Breach ''. I am demanding the incorrect information reported as aresult of this breach be removed upon receiving this letter.
Consumer complaint received 2021-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

Amount {$89000.00} at Great Lakes loan. I submitted a negotiable instrument with full and correct language for the full amount due. Instead of crediting my account, they sent me a letter stating that I had 30 days to explain to them why they should credit my account.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-22
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IN)

this all started in XX/XX/2022 I had been making my monthly payments through auto pay from XX/XX/2022 through XX/XX/2022 without any issues than in XX/XX/2022 their system started kicking out my payments as an invalid account I have had many conversations with a senior account manager named XXXX over the last 9 months and have submitted all the info to him and he could not figure it out. he stated to me that chase bank process synchrony payment and that they were the ones kicking this payment out. I finally contacted a lawyer from my legal service who sent them 2 separate letters with no response he has since told me that the letter writing is the only thing they could do so I am filing another complaint i have tried numerous times to contact the lady who responded to the original complaint but never get an answer to the call. they have once again changed my credit limit, restricted my card, and reported me to the credit bureau as late payments which has affected my credit score, I have paid my payments every month by phone and have confirmation numbers but the payments still keep getting rejected and multiple late fees accessed. I am very upset over this and am looking to try to get this resolved. they keep saying that I'm paying with an invalid bank account but I have submitted my info to XXXX and he has verified it, he even had me have my credit union pay the bill thru bill pay and it went thru with no problem, my PayPal account which is also a part of synchrony goes thru with no problem. this is getting very ridiculous and my next step is to try to hire a lawyer to sue Sychrony which is going to cost me money. which doesn't seem right since the issue is definitely on their end
Consumer complaint received 2024-01-22
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. (NC)

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 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I tried to dispute all the accounts on my experian, XXXX, and XXXX credit report. They have multiple addresses under my name and I only lived at 1. They also have multiple names on my account with a middle starting with an XXXX  and mine start with an XXXX. They have accounts on my credit stating still being open when I know they were closed. Also I can see a lot of hard inquiries that I have no idea who the person or company is.
Consumer complaint received 2021-07-26
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 — Problem with personal statement of dispute
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

In 2019 I was in the process of filing financial assistance with a hospital and was told that while I was applying for assistance the debt would be put on hold. Soon after I received notification that they sent the debt to overton russel and doer. I called and explained the situation, and both institutions told me that it was too late to fix once the debt was sent to collections. I then had to apply for a loan to pay the debt and it has been paid in full for the past 2 years. This debt should not be reflected on my credit report and should have never been sent to collections in the first place. Overton russell and doer has since told me that they will not remove it from my account until it falls off in 7 years.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX  is showing that I had a late payment in XXXX of XXXX. XXXX XXXX sold my account to XXXX XXXX in XXXX and then XXXX XXXX sold my mortgage to XXXX XXXX XXXX who still owns the account. So XXXX XXXX XXXX  should not be reporting and information on my report.
Consumer complaint received 2023-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-26
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. (MS)

Equifax and XXXX  reported the bankruptcy was verified through XXXX XXXX and the courthouse, both entities report they have NOT verified this information with either party. XXXX  has refused to re-investigate this matter.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

On XX/XX/2021 I emailed a " notarized and " certified '' to Convergent Outsourcing, Inc. Convergent Outsourcing, Inc is in violation of several laws according to the 15 U.S Code 1692g of the Fair Debt Collection Practices Act. A debt collector can not say I owe alleged debt, it is a violation and seeking remedy for damages inflicted on me. This debt is not mine. Additionally, Convergent Outsourcing, Inc never sent a notice 5 days before the account was placed on my report.
Consumer complaint received 2021-07-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc. (OH)

I got a call from ( XXXX ) XXXX that only lasted one ring. I looked up the number, and it appears to be spoofing another phone number. The caller, " XXXX, '' left a voicemail ( attached ) saying she was from " XXXX XXXX XXXX  '' and wanted to follow up on my " public '' loans. The number she gave to call back was ( XXXX  ) XXXX-XXXX. I know for a fact that even though my loans are set to come out of forbearance in XXXX, my loan servicers ( Great Lakes Educational Loan Services and XXXX  XXXX  ) have not contacted me. I also have never heard of " XXXX XXXX XXXX. '' I believe this is a scam for student loan consolidation/management.