davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

I reviewed my credit report for XX/XX/XXXX and the account information from National Credit Adjust show account is charged off or in collection XX/XX/XXXX on XXXX and XXXX. It show last date of activity on XXXX on XX/XX/XXXX. it show the last date of active on XXXX as XX/XX/XXXX. I looked at my credit report for XX/XX/XXXX on XXXX and now it shows as 120 days late last reported on XX/XX/XXXX with last payment date XX/XX/XXXX. I have been disputing this account but it seems that when I dispute it the company change the report date on it to keep it current on my credit report.
Consumer complaint received 2019-04-15
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: Experian Information Solutions Inc. (SC)

Experian, XXXX, XXXX XXXX have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from experian that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by law
Consumer complaint received 2023-06-29
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: GOLDMAN SACHS BANK USA (WA)

Goldman and Sachs is accepting my payments and not crediting my account so I can use the credit and additional funds I have sent to them. My payments WERE NOT RETURNED SO THEY ACCEPTED THEM. THE FIRST PAYMENT THEY REVERSED AND KEPT THE FUNDS. 
Failure to honor, and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.

This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).
Consumer complaint received 2019-04-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OpenRoad Lending (AZ)

We already sign all of the documents and sent what they asked us for, the CONTRACT where we signed said, that we where already signing for the APROVAL for refinancing the car, the payoff amount and date, how much and when we where going to start paying the new account, XXXX, we sent all the documents needed, including the POWER OF ATTORNEY, and just receive a call from them telling me that they where unable to approve the aplication. They ran our credit a few times and affected us in our credit score by 100 points. ( From openroad )
Consumer complaint received 2019-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

I have been a XXXX XXXX XXXX XXXX student at XXXX University in Virginia since Fall  2018. I received federal student loans to pay all of the tuition and related school expenses. I finished the first semester, but we began hearing rumors that XXXX had defrauded the students and misappropriated all of our funds, including amounts held as as students account credits early into the Spring semester. On XX/XX/XXXX, we received written notification from XXXX that the school was closing immediately. On XX/XX/XXXX, I received notification from the Department of Education that my loans for the Spring term were cancelled. As a result I filed the discharge paperwork through my servicer, Nelnet. Arrangements have been made for most of XXXX students, including me, to transfer to XXXX XXXX XXXX in DC as of XX/XX/XXXX. On XX/XX/XXXX, I was informed by Nelnet that the loans were not cancelled and I was now in repayment status ( grace ) because they have decided that the school is not really closed despite XXXX actually ceasing operation and having a trustee appointed. They will not allow me to speak to their claims department, but they can not explain their decision. This is either a case of complete ineptitude on their part or their compensation model is based on collection activity, thus they are motivated by blatant self interest.
Consumer complaint received 2022-10-26
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 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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-04-16
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)

NO MISSED PAYMENTS XXXX  XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX   XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX ACCOUNT # XXXX XXXX  XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX EQUIFAX XXXX Non authorization on XX/XX/XXXX, XXXX CONTACT DETAILS XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

The following employment data reported on my XXXX XXXX, Experian and XXXX  credit report is inaccurate : XXXX XXXX and XXXX XXXX XXXX XXXX. I have never worked at XXXX or XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2019-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

I am a joint account owner on my XXXX father 's checking account at Regions Bank. My father is in an XXXX  XXXX facility, so he does not have credit cards or a wallet and at some point in the past year a new checkcard arrived for our joint account. The card was in his name. I put the card away in a wallet with my own credit cards and never used it. 

On XX/XX/2019, my wallet was lost/stolen. Someone gained possession of my wallet and began attempting to make purchases of about {$2000.00} at a local XXXX pharmacy. They tried using two of my credit cards, but my credit card companies flagged the activity as suspicious and declined the charges. The person who had my wallet did manage to successfully use my father 's checkcard to make two purchases at XXXX. 

The purchases, which were made on XX/XX/XXXX and posted on XX/XX/XXXX were one for {$1000.00} and one for {$830.00}. 

I alerted Regions Bank to both purchases immediately, the afternoon of XX/XX/XXXX, as soon as I discovered it. I asked them to close my father 's checkcard, which they did. They asked me to wait until the transactions posted to formally dispute them. 

On XX/XX/XXXX, the transactions showed up as posted on our account so we called to formally dispute the charges. We explained that I had possession of the card, but that my wallet was stolen and that my father had not authorized anyone to make purchases with his card. Furthermore, the Regions representative confirmed that the last time the card was ever used for a withdrawal was almost a year ago. This card also is never used to make purchases and very rarely is used to make withdrawals, so although we do not know what triggers a fraud alert, it would seem that these large purchases should have been identified as suspicious activity by Regions. 

On XX/XX/XXXX, we received a letter denying our dispute. The reason given was that the transactions passed " fraud analysis. '' Again, this is confusing, since a pin was clearly not used in making this purchase and certainly my father did not sign for whatever was purchased. 

We have appealed the decision and provided additional information, including a police case number and a report of identity theft we made with the FTC. Our recent communications with Regions, however, indicate that they are not inclined to reverse their decision, despite the fact that we have now told them we made these reports to the police and the FTC and we also provided them with evidence that I reported the fraudulent activity with my own cards ( although the transactions never went through ) and I have been issued new credit cards as a result. 

I am attaching a fax and documents that we sent to Regions in an attempt to appeal their decision.
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

For the past year or so a debt collection agency has been reporting an alleged collection account on my credit report. I repeatedly asked them for documentation of this alleged account and they have yet to provide me with any documentation. I also have repeatedly asked them to stop calling me and they also refuse to do that. My last communication to them a few weeks ago I again asked them for documentation of this alleged account and the respone that I received on XX/XX/2019 stated " We have already responded to a previous dispute substantially the same as your present dispute and because my dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute ''. They have also stated if we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved we will consider your inquiry answered. FRCAl laws state that a company must provide me with documentation when requested of any alleged debt. It also states that to collect on that debt they must provide with a written agreement made with their company that includes my signature agreeing to pay this alleged debt. This company is trying to collect on an alleged debt they claim is owed to another company and refusing to provide me documentation of the alleged debt to that company or and a agreement that I made with their company to pay this alleged debt.
Consumer complaint received 2019-04-16
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. (AZ)

The following credit inquiries listed on my Experian credit report is fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-08-13
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. (FL)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 6TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHMENT!!!!!!!
Consumer complaint received 2019-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

This company started calling me and not answering when I would pick up. I called them back and they said it was about a debt from XXXX. In XX/XX/2017 I was fraudulently put on an XXXX account. It is not mine and not my debt. I have been cleared by XXXX and have confirmed that with the company numerous times. My name and phone might be on it but my SSN is not and I confirmed that with XXXX   and Convergent USA over the phone. I need my info removed from that debt and your system. This isnt my debt.
Consumer complaint received 2022-09-09
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$790.00} XXXXBalance : {$630.00} XXXXXXXX XXXX XXXX XXXXBalance : {$630.00} XXXX XXXX XXXXBalance : {$780.00}
Consumer complaint received 2019-04-15
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX does not follow their published payoff terms and dates After vtrying to notify them of my fathers death they asked for a copy of trust agreement showing me a the trustee which I mailed on the day they gave me the information they requested however three days later I receive a letter stating that I had 8 days to respond to this letter which said they did an inspection and need me to prove intent to sell and that I was maintaining the property when they had already received that info and if not rectified they would change locks and proceed with charging me fees. after looking this company up on line they have numerous complaints about the same unethical practices.This has been going on for years and no action has been taken by any government agencies. these other people lost homes due to the misrepresentation of this company I feel like no one cares as this company basically steals the people money
Consumer complaint received 2019-04-15
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. (TX)

I am a victim of identity theft. I sent in the police report, the ftc report as well as notarized documentation for my proof of incident. Equifax has refused to block this incorrect and fraudulent info from my credit report stating that the information was verified. I dont understand how an account that I did not open could be verified for me. The accounts in question are a XXXX XXXX XXXX card account XXXX and a XXXX XXXX XXXX account Account # XXXX.
Consumer complaint received 2019-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

I.Q. Data International , Inc., is the collection company that had sent me a notice for over {$11000.00} on XX/XX/XXXX for a debt that I had hired an attorney for. My attorney sent a letter on XX/XX/XXXX indicating they not contact me as the debt was entirely being disputed. The original creditor XXXX XXXX XXXX was sent several certified letters on XX/XX/XXXX. XXXX XXXX XXXX. They were given 30 days to respond and they did not. 
XXXX XXXX Managing Director, XXXX XXXXPresident , XXXX XXXX XXXXXXXX-President , among others never replied to my attorney, XXXX XXXX XXXX 

On XX/XX/XXXX I received a notification that there was a collection placed in my credit profile. I was able to get the name and number of the collection company and they indicated that they sent a notice ; however, it was only sent 10 days prior for a different amount than was originally reported. IQ sent the new collection for {$3000.00} on XX/XX/XXXX. I had not even seen the letter as it was sent to my attorney. On XXXX XXXX, XXXX they had already placed the collection in my credit profile without giving the required 30 days to dispute the new amount. 

My complaint is against XXXX XXXX XXXX and I.Q. Data International, Inc. It is my opinion that the matter was not handled  properly therefor now appearing as a collection in m y credit report. I have taken care of my credit and now there is a blemish in it. 

I have all the correspondence to support my complaint. 
I respectfully request your assistance and guidance on how to resolve this matter. 

Kind regards.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

To whom it May Concern : I am writing to request that following items be immediately investigated. 
If inaccurate, these items must be removed off my credit report. According to the Fair Credit Reporting Act, i expect you to complete this verification in the regulation time of 30-45 days. 
**Address : ( XXXX XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX _XXXX  XXXX XXXX XXXX XXXX _XXXX  XXXX, NV XXXX ** Employments information _XXXX XXXX XXXX _XXXX  XXXX XXXX XXXX XXXX **Address : ( XXXX XXXX  report ) _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX XXXX XXXX XXXX, FL XXXX _XXXX  XXXX XXXX XXXX XXXX, DE XXXX _XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX **Employment information XXXX ( XXXX  XXXX  report ) _XXXX XXXX ** Hard inquiries : _XXXX _XXXX  XXXX XXXX  I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report
Consumer complaint received 2022-10-26
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. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and 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.