davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (NV)

Hi I am submitting this XXXX A XXXX 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-10-16
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-25
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Dear XXXX, I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 
I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 
Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA. 
Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 
I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue.
Consumer complaint received 2022-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (VA)

The company granted me a line credit with a certain number of fixed payments over the years at the end of which my loan would be paid off. During the pandemic I requested a lower payment amount as a forbearance period. It was maybe XXXX or so. My payments were XXXX /month. I resumed to full payments a few months later. I got a call the other day that my last payment had come to term but I still had a XXXX balance! That's when their agent on the phone went on to explain the disclosures about the interests they were charging me on the differential of the reduction they gave me. Apparently, unbeknownst to me it had been accruing for 2 years which is the period between the time I was granted to reduction to the last month of the term of my loan. The original loan was XXXX. Based on payments I made the loan should be paid except maybe XXXX or XXXX that should represent the reduction they gave me. I just don't understand how that has turned into an extra {$1100.00}. I can not pay that because I feel when they gave me the reduction, no such explanation was given to me and I feel it was misleading and mischievous. I have worked hard to build my credit score to a good level over the years and I know where this is going. I received a notice today that the full XXXX is 7 days past due. I know as a finance enthusiast and money management auto didact that reporting to CBs happens after 30 days and they can not mess with my credit. I want a resolution that is fair and them being clear with consumers when granting those kinds of breaks which I appreciated. 
Their CS Number is ( XXXX ) XXXX My account # is XXXX Thanks.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX is erroneously reporting an account as delinquent. This account was paid in full and never late. Please see the enclosed documents. 

XXXX  XXXX XXXX XXXXXXXX not mine
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (PA)

A company known as XXXX XXXX also known as XXXX XXXX has made attempts to collect money not owed and processed transactions for items I did not receive. The company attempted and completed charges to my credit card for items not owed nor did I receive or have possession of. XXXX XXXX also charged my card for amounts not even initially agreed upon in the amounts of {$140.00} and {$20.00} because the agreed to amount was {$280.00}. I initiated a contract in XXXX of XXXX for furniture for my father who has become ill. The first amount was processed that month in the amount of {$280.00} and would be {$280.00} thereafter according to the agreement. My credit card was charged for random amounts such as {$20.00} and {$140.00} which was never agreed to. The furniture was order in XX/XX/XXXX and I was told it would arrive in a few weeks. I was concerned with my father 's health and what would happen if I wanted to cancel the items and was told not to worry because I would be able to cancel the items at anytime and any amounts paid would be refunded in the event he had to have assisted living. My father became XXXX XXXX in XXXX of XXXX and I called the XXXX location to cancel the items which is where I initiated the agreement with XXXX XXXX and they said it would all be taken care of. I brought my father to the XXXX County Hospital Emergency Room in XX/XX/XXXX and he ultimately passed away in XX/XX/XXXX. However, I was still being charged for the furniture I did not pick up and XXXX XXXX stated that no one cancelled the order as discussed, but knew that the items were still at the XXXX location. I emailed XXXX XXXX in XX/XX/XXXX basically reiterating the same conversations I had with the XXXX location and with XXXX XXXX explaining that these items were cancelled and are still at the XXXX location. Everyone acknowledges that the items are at the XXXX location but still will not process a refund. I had these charges put on my Discover card thinking that I would have some protection in the event of problems because I was paying for items in advance of receiving them. I contacted XXXX to have these charges reversed because no one is doing anything at XXXX XXXX or at XXXX about these charges to my credit card. XXXX informed me today that their options are limited and said that the charges will remain on the card. Its like a nightmare because I have to relive the time my father passed away by having to re-explain why I cancelled items for purchases for a loved one that passed away. I am simply requesting a refund for items which is only fair because I never had possession of those items nor did I receive those items. 

I will attach a copy of the follow up email I sent to XXXX XXXX back from XX/XX/XXXX which they never responded nor returned any of my calls and an audio recording of them acknowledging that the lease was cancelled but no refund was ever issued.
Consumer complaint received 2022-05-25
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TOO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC1663A CREDITOR MAY NOT TREAT PAYMENT PN A CREDIT CARD UNDER ANY OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2018-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I received a loan for school, through XXXX back in XX/XX/2004, for around {$20000.00}, but the school went out of business before I could finish the classes. Ive been paying on this loan since then, I have tried to work things out with Navient through emails, but have not received any response. I have tried to make payments on their website, but have been refused, stating the payments were not enough. Now my loan is in default. I will not conduct business over the phone, My information is to important.
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (FL)

Flagship Credit of Pennsylvania violates consumer finance laws by falsifying information to purposely create a default on the loan they also document one thing after having done another they have Representatives who tell the customer one thing only to have another customer turn around and tell something different they prolong the process for contact when the customer tries to remedy a problem that corporate Representatives such as XXXX XXXX and the CEO have no contact other Representatives that I tried to reach like XXXX XXXX and XXXX XXXX were not in a XXXX XXXX XXXX falsified the process documented false information retaliated... Customer has been trying for over two and a half months to reach a viable representative to give a clear answer concerning covid related issues which cause problems for payment the problem could have been taken care of right away but a flagship prolonged the process for months only to penalize me for the problems the delay caused..
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

This is a complaint for XXXX, EXPERIAN AND XXXX since they have ignored my letters sent for the update, elimination and correction of some accounts that are negatively affecting my credit, I am very unhappy that they do this when I am entitled to a fair credit. 

It's been several months that I've been trying to fix my credit because I know that I have the right and that the law protects me as a consumer. 
Not even sending validations for my accounts has he wanted to answer me when they are supposed to have 30 days to do so.
Consumer complaint received 2022-05-25
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. (MD)

This is a complaint for XXXX, XXXX AND TRANSUNION since they have ignored my letters sent for the update, elimination and correction of some accounts that are negatively affecting my credit, I am very unhappy that they do this when I am entitled to a fair credit. 

It's been several months that I've been trying to fix my credit because I know that I have the right and that the law protects me as a consumer. 
Not even sending validations for my accounts has he wanted to answer me when they are supposed to have 30 days to do so.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (CA)

I have submitted and to you nd i dont get a response withn 30days and you will are required by law to do so please investigation my dispute please. thank you
Consumer complaint received 2022-05-25
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. (CA)

I have submitted and to you nd i dont get a response withn 30days and you will are required by law to do so please investigation my dispute please. thank you
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have filed multiple disputes. 
XXXX has retroactively removed positive payment history and changed it to negative. 

In XXXX they reported XX/XX/2023 late, after the account was XXXX 'd out in balance in XX/XX/2023. I disputed, and had an attorney send a demand for arbitration. After 30 days, they responded, stating bank error and correcting information. Now in XXXX, they are reporting a 30 day late payment in XX/XX/2023, while the account had been XXXX 'd out in XXXX and no payment was due in XXXX or XXXX. 

The company responds slowly, continues to make false changes to my credit report.
Consumer complaint received 2019-06-19
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2017-12-29
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. (MO)

I am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX DEPT OF ED / NELNET {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) DEPT OF ED / NELNET {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) DEPT EDXXXX NELNET {$530.00}XX/XX/XXXX ( 2 yrs, 6 mos ) DEPT ED/ NELNET {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) DEPT ED/ NELNET {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) DEPT ED/ NELNET {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) DEPT ED/ NELNET {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) DEPT ED/ NELNET {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) DEPT ED/ NELNET {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) DEPT ED/ NELNET {$3000.00} XX/XX/XXXX ( 6 mos ) DEPT ED/ NELNET {$3100.00} JXX/XX/XXXX ( 6 yrs, 6 mos ) DEPT ED/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) DEPT ED/ NELNET {$3500.00} XX/XX/XXXX( 6 yrs, 2 mos ) DEPT ED/ NELNET {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) DEPT ED/ NELNET {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) DEPT ED/ NELNET  {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) DEPT ED/ NELNET {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) DEPT ED/ NELNET {$4600.00} XX/XX/XXXX ( 6 mos ) Missouri Southern State {$4700.00} JXX/XX/XXXX ( 1 yr, 6 mos ) DEPT ED/ NELNET {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) DEPT ED/ NELNET {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) DEPT ED/ NELNET {$7200.00} XX/XX/XXXX ( 3 mos ) DEPT ED/ NELNET {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) DEPT ED/ NELNET {$9200.00}XX/XX/XXXX ( 8 yrs, 2 mos )
Consumer complaint received 2022-05-25
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. (MI)

In accordance with the fair credit act XXXX XXXX account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-05-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (MN)

I CALLED TO SET UP OR ASK FOR PAYMENT ARRANGEMENT WAS TOLD THAT I BROKE PROMISE TO PAY XX/XX/29. I WAS NOT AWARE OF THAT BECAUSE THEY SENT AN EMAIL TO MY OLD WORK EMAIL ADDRESS THAT STATED THAT I WAS NO LONGER THERE. THEY HAVE TRIED CALLING MY CELL PHONE BEFORE BUT NO CALLS CAME THROUGH AND I HAVE TOLD THEM THIS BEFORE. THEY CALLED MY HOME NUMBER BUT I DID NOT USE THAT PHONE FOR ANYTHING OTHER THAN WORK..I DID TRY ANOTHER OPTION IN THE BEGINNING TO SEE IF I COULD USE ANOTHER COMPANY TO PAY THE MORTGAGE PAYMENT UNFORNUTELY THE COMPANY DOES NOT PAY THOSE TYPES OF BILLS SO I LET THEM KNOW THIS. I HAVE EXPLAINED I HAVE BEEN HELPING OUT FAMILY AND HAVE MOUNTING MEDICAL BILLS. THEY SAID THAT THEY ARE NOT WILLING TO WORK WITH ME. THEY HOWEVER DID CALL XXXX  AND SPOKE WITH XXXX MANAGEMENT WHOM INFORMED THAT I WOULD BE GETTING SOME FUNDS TO PAY RENT AND THEY WANTED THOSE FUNDS. BOTH PARTIES ARE IN THE WRONG FOR SPEAK WITH EACH OTHER ABOUT MY FINANCIAL SITUATION. I WOULD LIKE A WORK OUT OPTION OR REFINANCE TO A LOWER PAYMENT. AT THE TIME I GOT THE MORTGAGE I HAD NO DEBT AND EVERYONE WAS HEALHTLY SITUATION HAS CHANGED SINCE ORIGINAL TIME AND NOW I HAVE AN OVERWHELMING AMOUNT OF DEBT. I NEED TO HAVE A WORKOUT OPTION OFFERED EVEN IF IT WAS OVER THREE MONTHS FOR THREE MONTHS I COULD MAKE LARGER PAYMENTS NOW THAT I AM GETTING BACK ON MY FEET. ALSO THAT YEAR I GOT THE MORTGAGE I WENT FROM EARNING {$100000.00} TO NOW {$65000.00} HUGE DECREASE THAT THEY ARE NOT WILLING TO RECONGIZE EITHER.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX have been reporting late payments when all payments were pay as agreed since XX/XX/XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX, with a balance XXXX. I have paid {$6900.00} to XXXX XXXX.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

There were XXXX incidents to report, all caused by Regions Bank in XXXX FL 1. On XXXX XXXX, the bank cashed an altered check for an unauthorized payee for {$700.00}. The original payee did not complain about not being paid until XX/XX/2019. 
2. On XX/XX/2019, there were transfers of cash from two different accounts we own into two new accounts set up without our authorization. The profile information on those accounts were altered, including phone number and email contact info. We complained as soon as we noticed the transfers ( the next day ) and our accounts were frozen and we were locked out of any access to those accounts, including information on checks cashed. 
We requested information on all three of these transactions, including where the {$700.00} was transferred to, and we were told that they could not give us any of that information. They refused to reimburse us for the {$700.00} they sent out of our account for a fraudulently altered check. We can not follow up on recovering money from the perpetrator because they refuse to give us any information. 
We believe the false new accounts were set up by a Regions employee. 
We want Regions to reimburse us for the fraudulent check.