davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-05
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: Nelnet, Inc. (MI)

My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XX/XX/XXXX my student loans were paid in full due to the XXXX  XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.
Consumer complaint received 2020-01-05
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: AES/PHEAA (MI)

My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XXXX my student loans were paid in full due to the XXXX XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.
Consumer complaint received 2022-10-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-05
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: Experian Information Solutions Inc. (GA)

Experian failed to investigate multiple disputes of an account reported by XXXX XXXX XXXX. Results from previous disputes all returned " verified '' in XXXX, XXXX, XXXX, & XXXX. However, the " Date Of Status '' never changed. This account has reported new 90-day late payment activity 35 times. This account also has two inaccurate 30-day late payments reporting for XX/XX/2015 & XX/XX/2015. I have attached supporting documentation. XXXX XXXX confirmed no other updates reported after this account was closed & charged off as of XXXX. Experian failed to verify.
Consumer complaint received 2024-04-09
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: CITIBANK, N.A. (MS)

I was in the process of buying a home and i noticed that on my credit report is an account that I do not recognize i have also sent in disputes to XXXX XXXX stating that this account is unfamiliar and I no Knowledge of the account. According to 15 U.S.C 1681. It is illegal to report any damaging remarks on one 's consumer report impairing the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-12-26
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: EQUIFAX, INC. (PA)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MO)

I have a closed account with Santander from XXXX. Im in the process of purchasing a home so I had been reviewing my credit report. On XX/XX/XXXX I noticed there was a late pay charge from XXXX that was incorrect from Santander, so I submitted a dispute online to have the late pay charge investigated and removed. Instead of investigating the late pay charge, Santander changed the status of my account with all three credit bureaus from paid as agreed to charge off. I made my last payment to Santander XX/XX/XXXX, how could my account have been in paid as agreed status for 4 years and all of a sudden its changed to charge off because I disputed a late pay charge from 5 years ago. No one in the Executive Office is able to explain to me why my closed account was recently updated to Charge Off after 4 years??? It seems like this is retaliation against me for disputing the late pay charge and possibly being solicited for the ongoing lawsuit against Santander. I feel Im being extremely mistreated and would like someone to look into this as soon as possible.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (PA)

Sam 's club I owed XXXX $ as of XX/XX/2013 I hired an attorney and I tried multiple times to contact them. I talked to someone at this address and number. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX I offered to pay in full, he said we are not looking for payment on your account. I responded ok thats great will you take it off my report then. He said were not going to do that either. I offered again to pay. He said to write the office, which I did at the address with a complaint that I wanted it removed. I did back in XXXX. Also gave this information to a law firm I hired to try to clear this issue up. XXXX XXXX, XXXX. XXXX. 

I have had no luck resolving the issue. 

This is a copy of an email from XXXX at XXXX law. I couldn't get it to load as an attachment Mr. XXXX, When you mailed the dispute letters that we drafted for you to the credit bureaus what was their response with regards to the Sams Club account?

I finally got through to the right person at Synchrony Bank and they said basically the same thing they said to you, which is that they can't accept any payment on the account and you have to go through the credit bureaus in order to remove it. Do you have the dispute response letters you got back from the credit bureaus after you mailed the letters we drafted for you? I need to see those. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

Taxes for the mortgage loan was paid XX/XX/year>. Although the tax department added on unpaid taxes, a copy of the check and payment receipts were sent to Mr. Cooper. As of today, XX/XX/year> this company has not made any attempts to rectify the problem, however, I have gotten a call to pay a mortgage of over XXXX XXXX dollars.
Consumer complaint received 2019-02-12
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. (LA)

1 ) I never gave my permission to be added as an authorized user to the XXXX XXXX XXXX Card that is on my report. 
2 ) Equifax and XXXX are reporting that I am 60 days past due on an account that should not be reporting but also has a {$0.00} balance and {$0.00} past due. 
3 ) I have tried to dispute this and have this removed from my report because it is not my card and I am not late on it.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Harpeth Financial Services, LLC (AZ)

Ive had a line of credit account opened with AF247 for over a month. Ive paid necessary fees, made payments on time, and kept low utilization. I recently received my first statement, however customer support was not able to tell me directly when my new account will be reported to the credit bureaus. AF247 needs to update this information immediately to all 3 bureaus, as I opened this account and have been keeping it in great standing for the purpose of building my credit.
Consumer complaint received 2020-01-04
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-02-12
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. (LA)

1 ) I never gave my permission to be added as an authorized user to the XXXX XXXX XXXX Card that is on my report. 
2 ) XXXX  and TransUnion are reporting that I am 60 days past due on an account that should not be reporting but also has a {$0.00} balance and {$0.00} past due. 
3 ) I have tried to dispute this and have this removed from my report because it is not my card and I am not late on it.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

I have been continuing to dispute/correct a debt collection in my name with XXXX wireless which has destroyed my credit. I have an active, current account with XXXX that is paid in full. I have filed a dispute with Experian, which says the debit is " legitimate '' but no one can provide me with the documentation as to why it is legitimate. XXXX can't tell me why because all they see is my current account that is paid in full, the collection agency refers me to XXXX, and experian says they don't have the documents. I need help to get this resolved. I do NOT owe XXXX any money, I have an account with them that's correct!
Consumer complaint received 2020-06-11
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. (WI)

XX/XX/XXXX I found out my identity was stolen. I filed a report with the FTC and with the police department. I mailed all the paperwork to Transunion and they refused to remove the information. They still have the fraudulent items on my credit report. I have requested multiple times for the items to be removed. 

XXXX  {$410.00} XXXX  XXXX {$1200.00} XXXX/XXXX  {$780.00} XXXX/XXXX  {$830.00} XXXX/XXXX  {$160.00} XXXX XXXX  {$2500.00} XXXX/XXXX  {$1800.00} Also there are 39 inquiries that were not authorized by me and they have refused to remove them. All inquiries listed are fraudulent except XXXX XXXX  dated XX/XX/XXXX.
Consumer complaint received 2020-01-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2020-01-04
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-06-14
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. (GA)

I was recently contacted by an occupant of a address I used to receive mail at, when I was homeless. They informed me that mail has been coming to that address for me for a while now. I was unaware because I no longer use that mailing address. So I contacted the USPS about the situation, and was advised to have my mail forwarded to me directly. Once I did that, I started receiving bills and debt notices that I didn't recognize. So I requested my credit report bc I haven't used credit in years. When I got my report, I noticed accts that I did not recognize or authorize. 

My car was broken into back in 2017, and myself and my childens ' personal info was compromised, which I have the police report from the incident, and will include as an attachment to this report. I am a victim of identity theft, and I'm now experiencing financial injury, due to these fraudulent accts reporting on my credit profile. In addition to my personal information being stolen, I was also notified by several companies of my information being exposed in data breaches by XXXX, XXXX XXXX, and XXXX, which I feel could possibly be another contribution to my inaccurate credit reporting. 

I have previously filed a complaint report with the CFPB and the XXXX, in reference to getting this matter resolved. I have contacted the credit agencies, and the companies reporting the fraud, directly, to no avail. 

This is my third attempt to have these inaccurate items removed from my credit report. This time I will be sending official documentation of correspondence, by way of certified mail, to the companies and credit agencies that are responsible for reporting these fraudulent and inaccurate marks on my credit and public profiles. I will include a copy of this report, my FTC report, Police report and affidavit in my correspondence mail. It is a violation of my consumer rights, for companies to furnish my personal data, publicly, unless I give them written permission first. 

In addition to participating in Fraud and Identity theft by reporting inaccurate information obtained by dishonest practices, these agencies are double reporting several of the same accts with different companies as debt on my credit report, giving the appearance of me being financially irresponsible, personally and professionally. 

I have been denied and turned down several times for business opportunities, contracts, and proper capital funding as a result, of these fraudulent reports.
Consumer complaint received 2020-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I had a spider issue so I called XXXX on XX/XX/XXXX. I paid for 3 months of service to spray for spiders. I did not see any decrease in spiders at all so I canceled the service. I got confirmation of the cancelation of service and no amount due. 

But after that I got a dozen letters with due bills from XXXX saying things like my account was overdue and I must pay now. I threw the first few away knowing they were spam but they kept coming, so I called XXXX and confirmed I did not have any outstanding balance. I told them to stop sending me spam bills. 

But the bills kept coming and a month later I got a collections letter from Nationwide Credit which it said my outstanding balance with XXXX was referred to a collections agency and I must pay. I called XXXX again and they again confirmed I have no balance and my service is canceled. They promised they would follow up with the collections agency. But they have not followed up with any of my complaints and I keep getting bills that I do not owe ( still coming as of now which is XX/XX/XXXX )
Consumer complaint received 2020-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one filed a lawsuit, I went to court. They did not show then the case was dismissed without prejudice. I guess it should've been dismissed with prejudice, I didn't take an attorney with me, and didn't understand that's what should've happened. Anyway it's been about 5 years, and they are still reporting a debt. I have tried to reach out to the company and even hired XXXX XXXX, XXXX. to reach out to them with no return calls or emails. 
XXXX XXXX XXXX XXXX XXXX These are the numbers on my court docket that shows the results of the case
Consumer complaint received 2020-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (IL)

I have a couple of credit cards with 13 % or around that interest but US Bank charging me for last couple of years 21 % with no reason. Currently I have a XXXX credit score. I think that they simply stealing my money specially now where prime interest is so low. 
I called customer service and they refuse to lower interest. Credit card ends XXXX.
Consumer complaint received 2020-01-04
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. (NY)

I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U.S. Bankruptcy Courts confirmed the three reporting Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Consumer complaint received 2022-06-14
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. (TN)

I pulled my credit report and found several errors that needed direct attention. I have been doing some research and the following companies are improperly using my credit report and they have violated my consumer rights under the FCRA. 

According to the FCRA, 15 U.S.C. 1681 Section 602A states I have the right to privacy. Also, 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account " WITHOUT '' my written instructions. I have never given anyone written instructions to furnish any information on me and it is a direct violation of my privacy.

Violations : 1. XXXX XXXX Bank Account XXXX XXXX 2. XXXX XXXX Account # XXXX 3. XXXX Account XXXX XXXX 4. XXXX XXXX XXXX Account # unknown
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made an initial complaint XXXX, and it closed but I am not happy with the results. 

Some charges were reversed but not all. 

If you read my complaint and through my conversations with the bank I stated correct the mistakes, close my card, and stop charging membership fees. I have not used the card in a year because of this problem and they are charging me late fees after telling CFPB to close it he complaint I guess that all was fine. That is surely not the case.