davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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: Nelnet, Inc. (NJ)

I have sent letters to dept of telnet asking them to send proof with my signature for over 5 years just recently I sent them a police report and the company still fail to remove this student loan off my report I have also sent them my id .I have sent out over XXXX letters asking them to send me original signuature they have fail to do so .dept of nelnet I have reach out to them on numerous occasion over the phone they stated it will be removed.and yet it is not this is very frustrating just want this off immeadtly.i have also spoke with a young lady by the name of XXXX if that was her real name she stated to me that the company XXXX was being sued for fraud years ago and that I wasn't the only one going through this.
Consumer complaint received 2019-12-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Premier Student Loan Center (NC)

Was with Premier Student Loan Center for about 3 years. Gave information to help reduce student loan payments. Was paying $ XXXX month. Now XX/XX/2019 I see that they are being sued and shut down because it was all a scam. Filing a complaint and if possible would like my money back. Also received an email regarding this company being a scam.
Consumer complaint received 2023-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Pulled my credit report & seen an account that was opened due to fraud. The account was closed due to non payment & sent to collections. I reached out to XXXX XXXX who is the original creditor & provided my Federal Trade Commission Affidavit along with my police report for this account. I was then told the account was sold to a debt collection agency which now belongs to Portfolio Recovery Associates , LLC ( Acct : XXXX ) Ive since received calls from Portfolio Recovery Associates trying to collect on this debt which was accumulated due to fraud. Attached is a copy of my Federal Trade Commission Affidavit with the original creditor ( XXXX  XXXX - XXXX ) redacted information is sensitive & No affiliation with XXXX  XXXX or Portfolio Recovery Associates LLC
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (OH)

On XXXX XXXX 2017 a certified letter was received by Diversified Consultants, tracking number : XXXX This letter was asking for validation of a debt, account number XXXX. They failed to provide validation of the amount they state I owe. They also only sent a prior XXXX bill. Absolutely nothing with my signature to validate they have the right to collect this debt. I would like my account removed from their systems and revoke their right to report to the credit bureaus
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (DE)

On XX/XX/2021, I disputed an information ( collection account ) on my credit reports as I did not receive any form of communication from the collection agency, XXXX XXXX XXXX. The negative information is still on my credit reports and is causing me to being denied housing as well as being charged higher interest rates & fees. 

I have been disputing this collection account but every time I get informed that the information is accurate. 

I never signed a contract with the collection agency- XXXX XXXX XXXX, so unless the agency shows proof of me having signed a contract with them then the collection account need to be deleted from my credit reports.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$2300.00}
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (OR)

I checked my credit report just because I don't usually and found that someone has used my information to open accounts for years! I tried calling the crditors I am being given a run a round, nobody is willing to help me even though my identity was compromised.. once at XXXX, and once at XXXX, I have received confirmation from both of these companies that my credit profile was compromised. In short my credit is all messed up.. I figured I was just using cash and had no credit and here I am with a whole bunch of accounts I never had anything to do with???!? 
These accounts are listed on my XXXX credit report APPLIED BANK ACCOUNT NUMBER XXXX XXXX {$430.00} limit {$300.00} 60 DAYS PAST DUE XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX  {$300.00} XXXX CHARGED OFF XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX opened {$300.00} limit charged off as bad debt XXXX XXXX XXXX  6 late payments XXXX XX/XX/XXXX opened XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX, XXXX date opened XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$2600.00} XXXX XX/XX/XXXX date opened XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX date opened {$420.00} balance XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} Experian Balance {$680.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  {$2600.00} XXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XX/XX/XXXX open {$620.00} XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Balance XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- Revolving XXXX XXXX, XXXX Open not more than three payments past due XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Charge-off XX/XX/XXXX 2021
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRUIST FINANCIAL CORPORATION (FL)

on XX/XX/2022, I walked into the Truist Branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. I needed to open up a business account. I recently became an XXXX and was previously a sub XXXX XXXX client. I already had a personal account and checking account with Truist ( formely Sun Trust ) The Branch Leader XXXX XXXX invited me to his office where we worked through opening my business account. I sat there while he told me to sign items electronically that came through my email via phone. He then informed me during the process " congratulations, you have been approved for a business credit card with a $ XXXX limit '' I said " I was not going to use your company for a business card. I was going to open a XXXX business account because I like their points and I have a personal card with them already '' He then said " well you need a business card anyway, you are already approved, we have one with travel mileage you can earn '' I was a bit taken back and trying to absorb what happen. My XXXX XXXX is in the XXXX and thought, i dont want to take another hit on my credit. So he showed be the travel one and selected that one. I went home and thought it through. What gave him the right to run my credit and approve me for a card without my permission. I reported by calling with in 48 hours. I have repeatly have requested an update and I have been told its still under investigation. Ive told many reps on the phone and everyone just apologizes but no one has a manager call me back or anything. I feel violated and I question why I still have any accounts with them. I have now found out that the travel card has a yearly fee and I dont travel for business. Now I am not sure how I will even justify that to my accountant. I have been banking at the same institute for over 30 years ( through mergers etc ). This should not happen to anyone else
Consumer complaint received 2022-09-25
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. (IL)

The Company XXXX initially stated this account was paid and also was closed. Information is true yet still hasn't been removed from my report. Section 611 ( a ) states that failure to investigate items by CRA within 30 days must be removed if presume to be inaccurate. This has been over 30 days and I will like this to be Deleted immediately.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/2017, my credit card was auto-drafted without my awareness. I did not receive a bill or notification from Golden One Credit Union for the amount due until after it was reported 30 days late. The debit was paid in full upon receiving notification of the amount due.Furthermore, I have never been late in the past, nor have I ever carried a balance on the account.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX 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 2022-09-26
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. (MI)

In accordance with the fair credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. Please Have XXXX XXXX XXXX # XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations. I also included my FTC FURNISHER VIOLATIONS PAPERWORK AND THE IDENTITY THEFT WITH THEM IF ACCOUNTS ARE NOT REMOVED IMMEDIATELY LEGAL ACTION WILL BE TAKEN AND ILL SUE THE COMPANY AND CREDIT BREAU FOR EACH VIOLATIONS OF VIOLATING MY RIGHT TO THE FULLEST EXTENT.
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I disputed fraudulent charges on my XXXX XXXX XXXX card in XXXX or XXXX of XXXX XXXX XXXX XXXX   stated that the charges were correct and were charged overseas and I had to pay them. Despite the fact that the charges were not mine, I paid them and I instructed XXXX XXXX XXXX to close my account. 

The account statement issued by XXXX XXXX XXXX for the period from XX/XX/2018 to XX/XX/2018, showed a credit balance on said account of ( $ XXXX ). As of the last day of such reported period, the account was permanently closed, XXXX XXXX XXXX had no right or authorization to accept any charges on my behalf on the account. 

The charges on my card clearly show that they have been made for services in the name of other people that are different from my name. I did not receive any product or service using XXXX XXXX XXXX card. XXXX XXXX XXXX should not have accepted any charges on a closed account. 

XXXX XXXX XXXX sold my account to XXXX XXXX XXXX. I complained to such entity. Thereafter, the account was sold to Sherman Originator III, and then sold to LVNV Funding LLC. Then, it was lastly sold to Resurgent Capital Services. 

I register my complaint against all such entities.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (GA)

On background pending charges come up on a XXXX case in XXXX WI I was not convicted of any charges there are fines I have to pay it is against state laws to discriminate on not hiring individuals on charges they have not been convicted of
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

You guys said I called capital one about a account how did i call you guys about a account that i never knew about or had no knowledge about the XXXX number isnt mine and yall said its my birthday linked to the account of course its my birthday how would they open the account without my birthdate and ssn im not pay off no debt that I didnt do i was XXXX of the time this account was open and you guys got ta take it off i wont for something I didnt do. Its crazy how everyone know it wasnt me but you guys keep saying yall know it was me that opened up a credit card at XXXX I didnt even know how to open a bank account at that age.
Consumer complaint received 2019-11-22
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: EQUIFAX, INC. (CA)

I AM CONCERNED ABOUT THE LACK OF ASSISTANCE I HAVE RECEIVED IN REMOVING THE CHARGED OFF ACCOUNT FOR XXXX XXXX XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING THIS NEGATIVE ACCOUNT, I AM INSULTED BY THE INCONSISTENCIES THAT HAVE BEEN PERFORMED BY THE AGENCIES. I NEVER RECEIVED A RESPONSE FROM ANY OF THE AGENCIES AND I AM VERY UPSET AT THE FACT THAT NOTHING HAS BEEN DONE ABOUT THIS MATTER. I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE. I HAVE GOALS I WANT AND HAVE TO ACHIEVE, THIS IS DISABLING MY CREDIT REPORT, AND SADDENING MY SCORES AS I TRY TO PURSUE PROGRESS. I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING.
Consumer complaint received 2024-03-11
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Hello my Name is XXXX XXXX I just had A amount of XXXX offsetted from my tax return As XXXX haven been making payments & all my stimulus offsetted I have been struggling to get on top my payments since XXXX I have paid Atleast XXXX which some payments are not even listed from unemployment & from XXXX As accurate or not even enlisted My Credit report Approved that is was Fraudulent & They closed the Accont and Removed my Debt I have XXXX XXXX that I still provide for and Still make payments Im asking if I can get my Taxes Back & all the money that was not enlisted as I made payments which is my unemployment payments & Payments from XXXX Also my stimulus payments which was never posed to get offsetted as the government made clear I Will be providing proof of documentation & payments that didnt count towards the time I had to pay Which shouldnt take 1-2 years to update XXXX weeks {$62.00} 10weeks of {$160.00} from unemployment that wasnt even added to my debt This is so unfair as I been struggling to stay on top of my information & still Doing for my kids and just watching my money get taken and debt steady going up as i still pay
Consumer complaint received 2023-03-02
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: ENCORE CAPITAL GROUP INC. (MS)

From XX/XX/2021 to XXXX XXXX XXXX  its shows on app XXXX credit bureaus that a bunch of car dealerships ran my credit over XXXX times on some vehicle purchase and I have contacted them numerous times and cant get anything done. My father has the same name as me and maybe it was him but I havent authorized these credit pulls and want them removed. Below I am attaching the pictures of some of the inquiries. The only credit inquiries I should have will be from XXXX XXXX XXXX only. I really need some help with this. Please call me at XXXX with any questions you may have. Thanks and have a great day.
Consumer complaint received 2023-03-01
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: Resurgent Capital Services L.P. (TX)

I wrote them asking them to verify the the account and I was told that the account was verified but I wasn't shown any proof of verification credit reporting act, 15, USC & 1681 ( a ) ( 4 ) states that information is to be verified with in the 30 days time frame and if this info is not verified it has to be removed LVNV funding made no attempt to resolve this matter the account # XXXX {$460.00} do not belong to me I have disputed these accounts with the credit bureaus XXXX XXXX XXXX {$90.00} do not belong to me also the accounts are in collections and still show a belance and still show open the dates are also wrong also XXXX XXXX  XXXX {$190.00} is also a fraudulent account and I asked for verification and was never shown any verification with my signature on it these accounts are stopping me from getting a house these accounts where opened or paid on while I was XXXX and need to be removed