davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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: Nelnet, Inc. (NV)

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires Nelnet to remove all late payments from my credit report?
Consumer complaint received 2019-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (NY)

My credit score dropped by 35 points in XX/XX/2018 and when I checked my credit report it was because of Perfection Collection. They say I owe a debt of {$3700.00} to XXXX for an alarm system that I never ordered. It was a family member that ordered it. I was never told about this debt in time to dispute it and also, it is not my debt. I filed a dispute with the credit reporting agency ( XXXX XXXX ) and I also have a problem with how they handled the situation. All XXXX XXXX did was contact Perfection and asked if the debt was legitimate. Of course Perfection said it was legitimate, surprise surprise, so it was left on my credit report ( what type of shoddy investigation work is that? ). 
I then called Perfection myself and asked them to show me proof that I signed a contract with them. They sent me a typed document with my signature XXXX  at the bottom but, it was in the area for correspondence only. In other words, they wanted to let their affiliates contact me so they had to ask my permission. No problem but, it was for correspondence only and not for signing the contract as the owner. They have the real owners email address and they were sending correspondence to him as they should, not me. 
All of the paper work is XXXX up. The wrong names are in the wrong places and it is costing me. 
Also, we have a completley different document from what they showed me and our document is hand written. Actually it is not even a contract, it is statement of the services they will provide. We do not have a copy of a signed contract because there wasn't one. 
I do not know why but, the sales person wrote mine and my mothers name, ( who, was not even present ) in as the customerr ( I still don't know where he got my mothers name from ). He wrote in the name of my brother, the actual owner, underneath our names as the owner which is correct. 
The contract they sent me has my name typed on it ( not printed by my hand ) and a signature that is not mine ( that is fraud, forgery ). It seems they typed my name and then changed the font to something a little more fancy but it is still not my signature and it does not look like my signature, which I can prove. 
It has been 11 months since this hit my credit report ( XX/XX/2018 ) and I am still fighting with this. 
I need someone that can get this removed. 
The documents I am up loading come with an attached instruction sheet that explains what I am talking about. 
I thank you in advance for your prompt attention to this matter. 
XXXX XXXX
Consumer complaint received 2019-04-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TX)

I have sent a message to the company in charge of comdata. I have explained to them that the atm made a mistake when it dispensed the money i was supposed to receive. I have not heard back from the company and the representatives keep informing me that it would take about 60 to 90 days to resolve my dispute ; please advise they have been taking longer than normal with the disputed transaction
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2020-12-23
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: EQUIFAX, INC. (NC)

I have reachead out to Equifax about inaccurate information. Like 2 INQUIRIES from same source XXXX XXXX XXXX XXXX. No permissible purpose, i have sent my license, social, and a bill recently.a affidavit and i have fraud alert. And a police report on file. Subjected exposed to fraud. Due to Equifax breach in the past. Other sources Etc. Please investigate unauthorised inquiries. Verify and validate this please and feel free to send me a updated copy to reflect changes. Fcra states all information have to be accurate. Fdcpa states that i need address and phone number of furnisher displayed on my report. Therefore i can contact them. There no such information as of today. This has been deleted of off XXXX  and XXXX  as fraud. Look forward to hearing from you promptly.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Chapter XXXX XX/XX/XXXX is still reporting. Is this as been dismissed on XX/XX/XXXX. Please remove from my credit file ( inaccurate information )
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract 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 2019-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TN)

A XXXX bill was reported to my credit file XXXX for an amount of {$110.00} pm XXXX. I asked for the company to send me VALIDATION that this account belongs to me. The company sent me VERITY and not VALIDATION. I would like for this account to be DELETED from my credit file.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax Credit reporting agency will not remove fraudulent items off my credit report. Several phone rep from XXXX and American representatives told me no their not going to remove anything. I have submitted my police reports and FTC affidavits. The company doesn't believe in fair credit act.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (CA)

I have an auto loan with VW CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called VW CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and VW CREDIT with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late twice. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

All of a sudden in 2017 I saw a collection on my credit report from a company called Portfolio Recovery. I had no idea who they were or why as I had entered into a debt collection program ( XXXX XXXX XXXX ) that was taking care of my debts and the amount stated was not an amount I owed. I had XXXX and had to put bills on my credit card which then got to overwhelming. They claimed they sent me paperwork ( which I had never received ). I was also getting calls at all times of day and night but when I picked up noone was there, they called from different States with different numbers. I disputed the entry on my credit report numerous times ( it now states resolved, customer disagrees ). I asked them to verify the debt ( which they claim they got from US Bank, however the amount they are asking for is not in accordance with the amount owed ). And I never received sufficient paperwork according to the law to verify the debt. I also received threats I was breaking the law. 
As I never got the verification I never agreed to anything with them.
Consumer complaint received 2024-03-02
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

I have an auto loan with MB FIN SVCS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MB FIN SVCS and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and MB FIN SVCS with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I received an automated phone call from loancare to return their call regarding my mortgage account. I called them back and a lady said that I posted my payment for XX/XX/XXXX which would have been a day late. So, I had her cancel the payment for XXXX XXXX and paid it on XX/XX/XXXX. Before getting off the phone with the lady I made her double check to make sure the payment for the XXXX was cancelled and she assured me that it was. Yesterday, XX/XX/XXXX my husband stopped to get gas on his way home from work and his debit card was declined. He checked his account and it was over {$1000.00} overdrawn. Loancare had processed the payment for the XXXX. I then called them again on the XXXX and they said I had to submit proof that it was taken out of our account. So I emailed them our bank statement right then. Then I called again this morning. XX/XX/XXXX. I spoke with a manager. He told me that they had to file a reverse payment request and that it could take up to 5 days to process. So now my husband 's bank account is over ONE THOUSAND DOLLARES overdrawn plus an overdraft fee. Now he  can not get gas for work and we cant pay our other bills or buy groceries. I checked on the XXXX and they are not accredited and have so many complaints. Something needs to be done about this mortgage company especoally since they are handling cha mortgages etc.
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-07-06
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)

in accordance with the fair credit reporting act XXXX  account # 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.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I filed a dispute with LexisNexis involving a public record that is incorrectly reporting on my credit report. It is a Chapter XXXX bankruptcy filing XXXX. They are required by law to report all information on my report 100 % accurately. I disputed the information and it was promptly " VERIFIED. I asked specifically HOW the item was verified and I was not provided with that information. I want to know exactly what was " actually '' done. I received a letter from the courthouse stating that they " DO NOT REPORT ANY INFORMATION TO CREDIT BUREAUS. '' If the incorrect information didnt come from them, then I DEMAND to know where LexisNexis got it! 

I have a legal right to dispute information, according to FCRA 623, the furnisher of information. If this information was received from a " vendor, '' then I demand to know the name and address of this vendor. As of yet, these letters serve as undeniable PROOF of LexisNexis failure to conduct a reasonable investigation as required by the FCRA, and their " verification '' of obviously incorrect information. LexisNexis DID NOT CONTACT THE SOURCE to investigate this item.
Consumer complaint received 2022-09-09
Product: Payday loan, title loan, or personal loan — Payday loan
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. (VA)

There is a XXXX XXXX account number XXXXon my credit report that is still showing on my report that should not be there. It has been over 7 years and they should be dropped off my credit report.
Consumer complaint received 2019-04-19
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: Experian Information Solutions Inc. (FL)

I have a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX XXXX   XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?
Consumer complaint received 2019-04-19
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)

I have a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX  XXXX XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (NJ)

I submitted a complaint against Venmo LLC ( Complaint No : XXXX ) about a scam that I was victimized of. However, Venmo failed to provide basic protection and due diligence to their users and continued to complete the payment to the scammer even when the appropriate notification was provided to them. I provided XXXX notification on the evening of Saturday XX/XX/22, a time when no bank will process any XXXX transction, If XXXX performed basic due diligence in this matter and freeze the other party 's bank account, there will be no financial loss to anybody, hence Venmo should be responsible for any financial loss they incurred by their negligence. 

Hence, I request Venmo to : 1 : Show proof that action have been take against the other party ( the scammer ) 2 : If the proof indicates no financial loss was incurred, Venmo should remove any negative balance they have on my account 3 : If Venmo failed to show proof that appropriate action was taken against the scammer, then the debt should be canceled as the debt was caused by the negligence of Venmo 4 : On response to complaint No : XXXX, Venmo refused to delete my personal data by stating " During the retention time period, no data may be disposed of for regulatory and legal reasons. '' I officially request Venmo to disclose the name of the law and regulation that refers to and specify the length of the " retention period ''. 

5 : I request venmo to provide written statement to guerantee my personal data will not be disclosed, send or shared with any individual or entity withtout my permission for any reason.

6 : I request Venmo to unfreeze and delete my account at the first convenience, as I am no longer an active user of venmo and do not intend to use Venmo 's service anymore. 

thanks,
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc. (TX)

on XX/XX/2020 at XXXX XXXX central time, I received a call to my desk phone. The caller id was XXXX. I picked it up and it was a debt collection company. There was an automated greeting saying they were for XXXX XXXX and they would come to my place of business, and serve me. I clicked the option to pick to a rep. I asked them to please do not call my place of employment because I'm not allowed to have personal calls. 
The rep told " they would not stop calling my place of business until I paid them ''. I told him that was not right and I have the right to tell them to call XXXX XXXX. The rep told me " they will continue to call me everyday until I pay them '', he then said ' and if you do not pay, you will be sued in XXXX XXXX courts ''. I again asked him to remove my work phone and he declined. I let me know my work phone was being recorded and he said ' he didn't care because his phone was being recorded and calls to my job would not stop ' he hung up on me at that time. 

I have a copy of the recorded call. 
The company was IC System - XXXX XXXX XXXX XXXX - website is https : //www.icsystem.comXXXX
Consumer complaint received 2019-04-19
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: EQUIFAX, INC. (FL)

I have a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX XXXX XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?