davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NJ)

This credit card is DISGUSTING!!!! Ive always done business with Chase & never had a problem until this credit card!!! Ive only had it for 3 weeks and already FIVE TRANSACTIONS HAVE BEEN DECLINED!!! First few were from XXXX and XXXX and they said it was the address that was different now its at XXXX!!!! This credit card company is a scam!!! Just realized Im almost at {$500.00} in spendings, which means they would owe me {$200.00} back.hmmmmm I have well over {$2000.00} to spend, my monthly due date isnt until next month, SO THERE IS NO REASON FOR THIS!!!!! Plus the fact that Ive now been on HOLD trying to get a representative to see what the problem is and Ive been waiting for someone to answer for two FULL HOURS!!!! UNACCEPTABLE!!!!! I will be telling everyone how they treat consumers!!! Im done as soon as I get my {$200.00} and will NEVER EVERRRRR DO BUSINESS W THIS LOWLIFE COMPANY AGAINNNNN.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention to be delete in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention to be delete in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONWIDE ACCEPTANCE LLC (FL)

On XX/XX/2020 when the COVID-19 pandemic started I was left without a job. I was XXXX by the time. After three months without working and XXXX, I had to move to my moms house, I was XXXX. I couldnt pay rent, bills and car payment. I stopped making the car payments like around XXXX. I didnt have any money and I couldnt work because I was XXXX and it was very risky for me to work by the time. I started to get phone calls from an agent debt collector. I explained my situation and everything I was going thru. They obviously didnt care and were charging me a ridiculous amount I didnt not had at the time {$14000.00}. They kept calling me every day. They even contacted my mom. I also did not had possession of the car because I took it to a mechanic because it was having problems and I just left it there. Since I didnt have the car they told that they will take the car and I would still have to pay $ XXXX. I just XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am trying to get back on my feet with my daughter and I need to fix this on my credit. 
Thank you
Consumer complaint received 2021-06-15
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. (AL)

An account with XXXX XXXX showed up on my credit report for an account with XXXX XXXX XXXX I sent a letter via mail on XX/XX/2021. I have made 4 attempts since and I have not received a response. They have not been able to verify, validate or send any information regarding this account and it is still showing on my credit file.
Consumer complaint received 2022-03-21
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. (IL)

Hi I am submitting this XXXX XXXX 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 XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2019-10-07
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. (NY)

I hate you experin your not fair with me you have my police report and you block any fraudulent information recently when I called you told me we ni linger do this this is horrible how can you say this to me
Consumer complaint received 2023-07-18
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: Credit Karma (TX)

marketed a preapproval program on creditkarma to refinance a car at a lower rate, it said i could get preapproved with no affect on my credit, company i was sent to is XXXX didnt like the offers on XX/XX/XXXX so didnt move forward and today XX/XX/XXXX XXXX checked my credit and summitted it to XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX i reached out and was told i gave explict consent and " there must have been some confusion sending the application through credit karma '' the extra inquires are affecting my credit and i didnt give consent
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Vehicle shopping and was already financed through my bank, informed the dealerships that I was browsing that I already had an approved check through my bank and no financing needed to be done due to being financed through my bank. I did not give permission for my credit to be ran causing me to have an overwhelming amount of hard inquiries which has affected my credit. Please see the enclosed listings of hard inquires as follows : XXXX 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 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I requested verification since XX/XX/2021 of this alleged debt that this company claimed I owe which they reported on my credit files. However, XXXX failed to obtain the legal verification as required by law and did not send it to me. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that you electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2022-07-05
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. (GA)

The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 XXXX says late '30 ' XX/XX/2018 XXXX says 'ok ' XX/XX/2018 Experian says '30 ' Account was never late
Consumer complaint received 2022-07-05
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. (GA)

The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 XXXX says late '30 ' XX/XX/2018 Transunion says 'ok ' XX/XX/2018 XXXX says '30 ' Account was never late
Consumer complaint received 2022-07-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (FL)

Exeter Finance opened an auto loan on my behalf using my personal information on XX/XX/XXXX. I already called this company ( XXXX ) XXXX and spoke with the supervisor named XXXX with ID # : XXXX and filed this as a fraud account. It is under investigation by them. Also I'm trying to file a police report. 
Exeter Finance sold this account to XXXX XXXX XXXX XXXX on XX/XX/XXXX being reported as a collection account to the Credit Bureaus.
Consumer complaint received 2022-07-05
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)

In accordance with the Fair Credit Reporting Agency, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if one account has completely inaccurate information and the other account does not. This proves that my credit was fraudulently used by someone other than myself. The active date is inaccurate and this is grounds for removal as this clearly violates my rights under 15 U.S.C 1681 section 602 A, which states I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit Bureaus took more than 30-days to complete my investigation which shows in my certified mail tracking number : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX have 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
Consumer complaint received 2021-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my Credit Report and noticed a An Account from XXXX XXXX XXXX for {$3500.00} and multiple inquiries on my report I do not recognize
Consumer complaint received 2021-08-23
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: TRANSWORLD SYSTEMS INC (CT)

University Accounting Service, During the time my loan was in deferment I was reported to the credit bureaus that was late on payments. I had to call the company and straighten it out each time. I had to dispute this through the credit bureaus because they took forever to correct this issue. This would happen XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now again XX/XX/XXXX. I am making a complain now because I started paying on my loans in XXXX and was current. My mother the cosigner is in the process of purchasing a property. I called immediately to rectify this with the company to say I am current and this needs to be fixed immediately because you are going to cost my mother a loan. The customer service stated that he didnt see that they reported anything on my account, I had to take a screen shot of my credit and send it to him proving that they did report a 30 day late on my credit. My mothers credit went down 90 points. I have been calling for updates and keeps getting the run around. Its almost been a month and still no change.
Consumer complaint received 2022-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Mr. Cooper should not be handling people 's money!!! 
They are careless and their negligence is unacceptable. 
They have consumed my clean mortgage about 4 years ago with NO escrow which had more than 25 % equity but they have ignored the fact and kept sending property tax payment to my county ( not city and not insurance ) in spite of the fact that I have contact them sooooo many times and in writing and escalating the matter with the Executive Resolution Team, XXXX XXXX XXXX and with XXXX XXXX at Loss Mitigation ; I spent hours and days of my busy schedule and my busy work time and nothing, absolutely nothing has been corrected. This issue has caused my account to go under but they keep sending unnecessary payments on my behalf and the county keep sending the check back to them but they still report me to the credit bureaus with late payments, missing payments and now my account is big time upside-down. 
I have now learned that my excellent credit score dropped in XXXX points due to this reporting which hurts my financial badly working on other transactions. 
Currently, my equity is about $ 75 %. 
On top of that, I have been adding $ XXXX to each monthly payment for the last 4 years which should be showing credit of about {$12000.00} on my account- so how could my account be upside-down!!! 
I would like to ask for ALL my money back and to have my account straight showing all my credits. 
I would like to have a specific and a responsible person to handle this case to the fullest.

I can not afford to waste anymore time and money over this ridiculous non-sense.

Six documents attached. 

I would appreciate your HELP!!!
Consumer complaint received 2022-07-05
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. (TX)

1.Account Name : XXXX XXXX Account Number : XXXX Amount XXXX 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
Consumer complaint received 2016-02-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (AR)

I made a payment arrangement with my loan company. There was a tow truck driver sent to repo the vehicle after that was done. I made the arranged payment and gave him the conformation. He said ok pulled his truck away from my vehicle and allowed my husband to proceed to leave with the vehicle. He then stayed in my driveway and when I went out to check he yelled that my payment was no good. When I tried to show him the confirmation he put his hand in my face and said " I am done with you '' he then ran to his truck while yelling " I am having your husband arrested for grand theft auto ''. He proceeded to contact the XXXX County Sheriff 's Department. While he walked got in his truck I contacted the finance company to confirm the payment was received. The Sheriff 's Deputy arrived and advised me that the driver had called to report that my husband endangered him by " driving the vehicle off the forks of his truck '' and claimed that there was a domestic disturbance occurring. All of which was false. After explaining the situation to the officer with the loan company, Credit Acceptance, on the phone. I was advised that they could not force me to surrender my vehicle without a court order and the driver was removed from the area.
Consumer complaint received 2023-07-18
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. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX 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, Experian and XXXX data breach and may have got into the hands of the wrong person.