davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NH)

On XX/XX/2020 I contacted Nelnet - U.S. Department of Education via their email, XXXX requesting their assistance for my on-line account that is in the three year monitoring for XXXX to discharge my daughter 's student ( university of XXXX ) loans that I took out as PLUS loans. 

Nelnet is not providing me with full on-line access to my account. I provided Nelnet with a video link XXXX XXXX XXXXXXXX which is accessible and readable and proves that there is NO information when I log onto my Nelnet on-line account. There is only a " Home '' and " Change Password '' button. There is NO account information including but not limited to my name, address, account number, documents filed on account, approvals for annual monitoring, function to upload documents is not available/not there, status of account, etc. When you look at the video link XXXX XXXX   XXXX of my account, where I log on to my Nelnet account, there is NO identifying information there that even suggests that I have an account with Nelnet. 

I tried to work with Nelnet and they refuse to provide me with full on-line access to my account. Further, Nelnet is not responding to me in accordance with my legal name that was on the student PLUS loan documents as XXXX XXXX XXXX. I object to Nelnet not responding to me in my full legal XXXX name of either XXXX XXXX XXXX or XXXX XXXX XXXX. 

I am attaching the seven page email correspondence between Nelnet and me, XXXX XXXX XXXX from XX/XX/2020 through XX/XX/2020 to show that I have tried to work with Nelnet regarding the on-line account issue and Nelnet refuses to view the XXXX video and  continues to ignore the fact that I am unable to " see '' any information on the log in of my account.
Consumer complaint received 2018-06-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

GM Financial has the worst telephone customer service because they just make excuses and try to place blame on the consumer. They have no empathy and offer no solutions. When asked to speak to supervisors their employees say that their is no one above me. 

On XX/XX/2018 I was contacted by GM Financial to make a payment that I was 27 days late on an auto lease payment that was due on the XXXX. I did not have my bank account information on me at the time and so I came home and made the payment online and also changed my bank account information. The reason that I was late in the first place is because I changed my bank account and had closed my old bank account that was linked to the lease account on a reoccurring payment plan ( ACH ). I changed the XXXX XXXXk account information to the new bank account that I had established for the one time payment and also for future payments which I also thought was changing the ACH account. 

I just so happened to be looking at my GM accounts again in XXXX and then noticed that the automatic payment had not been pulling. I immediately made a payment and called customer service. Customer service told me that in order to establish a new ACH account that I would have to send a cancelled check and an automatic payment enrollment form. She was wrong because I successfully set it up without having to do that. I just went online and set it up as I thought I had before. The issue was that the reason it had not gone through before is because customer service first has to remove the original payment account. You would think that as a multi-billion dollar organization they would have a streamlined process in order to change the automatic payment details on your account. Aside from that the customer service representatives make no effort to properly inform the customers of the steps needed to change this as the first representative that I spoke to in XXXX made no indication that I had to do that. 

My XXXX has gone down from a XXXX credit to a XXXX average XXXX score with the three different credit bureaus and GM Financial gave me a fax number to write to dispute their reporting to the credit bureaus.
Consumer complaint received 2019-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

Equifazx and XXXX are reporting that my credit score is being impacted by the credit inquiries on my file. The inquiries were part of mortgage rate shopping when I was buying a home in XXXX XXXX. 

I called Equifax complaint line and the representative suggested that they can not do anything about it and that I need to wait until they fall of my report in XXXX / XXXX of XXXX. 

Its unfair that mortgage rate inquiries are reported to be impacting my credit score and staying on my file for 2 years and affecting my credit score negatively. This is detrimental to the dream of being a home owner.
Consumer complaint received 2020-05-11
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. (PA)

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Consumer complaint received 2020-07-10
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. (TX)

I am needing to move out of my apartment due to the bad maintence. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.
Consumer complaint received 2018-02-25
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : XXXX not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

CAPITAL ONE XX/XX/XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-06-20
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. (NY)

See list of inquiries on my credit that I did not authorize and I know nothing about.

XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX ( XXXX NEVADA ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (NY)

On XX/XX/2021, I requested Equifax to conduct an investigation to an item on my credit score that I did not recognize as mine. According to the Fair Credit reporting Act, the credit bureau has 30 days to look into the dispute, based on the information provided. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report. Today is the XX/XX/XXXX and Equifax failed not only to do the proper investigation but also did not remove the inaccurate or fraudulent information. 

The account Name : 1. XX/XX/XXXX - Account number : XXXX The above listed item is completely unauthorized by me and most likely fraudulent. Therefore, it is a very serious error in reporting. Please delete the above misleading, inaccurate and fraudulent information and supply a corrected profile to all creditors and reflect the new and accurate information on my credit file as soon as possible. 

Once again, the credit reporting bureau failed to provide any prove that the account belongs to me or was authorized to me or any financial instrument signed by me. I have never received any letter confirming the receipt of my complaint nor any letter stating that the agency started an investigation required by law and that had to be finished within 30 days of the receipt of my several letters. Again, I heard nothing back and it has already been over 6 weeks.
Consumer complaint received 2018-06-20
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. (NY)

See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO)

On XX/XX/ I bought a car from car hop in XXXX, Colorado. I owned the car for 4 months. 3 of which it was in the shop for major repairs. One of which was " fixed '' before I bought the car. I was told by service company it was never touched. In which case it was a timing chain. The car had car hop warranty on it. I wasn't even close on running out of warranty. After taking my car to the shop several times I became very frustrated. I was paid ahead on payments by a month. The company told me they'd stop my auto payments for a month. As if they were helping me out. But beings I was paid ahead it wasn't a help. They car wouldn't start. They gave me an offer to take a portion of my money back or choose a different car. I had already bought a different car two weeks before this. I had to as I could risk losing my job. XX/XX/. I missed work over this car as I had no way to get there and is a 60 mile round trip. I decided to take my money back. I had XXXX late payments. Now it's reported as a closed/charged off account. Dropping my credit score over 100 points. I called car hop and they said they had to report it that way to get it off their books. But the next month it would reflect as a non derogatory mark. That was at end of XXXX. It is still being reported as a bad mark. Besides being lied to on how they have to report it. You have to report it bad before you can report it Good? This company is fraudulent. This is not a chargeoff because I didn't pay them. They settled with me knowing I had a warranty claim on them. Then they knowingly reported wrong information and damaged my credit over it. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was recently online looking to get more information on health credit and i believe they handled my information wrong and used my information as if i were to apply for a company titled XXXX / National Cred Cards Airlines and I don't seem to recognize it.the only time I used my information to ( not apply for  a health credit card was when I was on the XXXX XXXX website ( for the health credit ) to apply for more information. I am fairly new to building my credit and I notice it hit a hard inquiry on my account and brought down my score. Unfortunately I have no memory of apply for a credit line with XXXX ( XXXX XXXX ) I do recall going on their website and applying for more information regarding pricing. All I'm asking is for this inquiry to be removed because I'm trying to build my credit and I understand its a learning process but I do not understand why they didn't notify me it will affect my credit if I were to apply anyways. Which in my case I think they handled my information wrong & I would like to be forgiven for the recent score it dropped on my account.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for an auto loan through XXXX XXXX yesterday XX/XX/20 but I was not approved because when they ran my credit, they saw several accounts in negative standing. I had no idea I had negative accounts on my credit history and when I looked through my credit report myself I realized that none of those accounts are mine. The accounts in negative standing that are on my credit history do not belong to me nor did I ever give anyone permission to open those accounts on my behalf. I did not benefit anything from the accounts listed on this report such as money, goods, services or any other benefit nor did I contribute to any payments towards these accounts. I do not have any type of written/verbal contract or affiliation with any of these companies and I never gave them permission to run or access my credit file. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is actually not a new complaint. I called Transunion about my mortgage of {$1400.00} with XXXX XXXX XXXX ( XXXX ) ( see attached ) not being reported on XX/XX/XXXX. Transunion mentioned that maybe the financial companies were not reporting it to them. I assured Transunion that the above-mentioned company was reporting it and the other credit agencies were correctly reporting this item. I called XXXX XXXX XXXX on the same day and they assured me they were reporting my financial information to Transunion. I even followed up in written form with XXXX XXXX XXXX. ( See Attached ). XXXX responded to my letter stating that they have indeed been sending information to Transunion. I again called Transunion on XX/XX/XXXX to state that the item is still not showing up on my Transunion credit report. They stated that it would take up to 90 days to investigate the matter. Transunion had 60 days to respond and they never resolved the missing mortgage payments reported on my credit report. 

Now it is XXXX XXXX and as of today Transunion STILL has not corrected my credit report. I called them on XX/XX/XXXX and they said that they have not been receiving information from XXXX XXXX XXXX ( XXXX ). This is the same answer Transunion gave me in XXXX. I then called XXXX and they assured me they had been sending information. 

I just want my mortgage payments reported on my Transunion credit report. The missing mortgage payment reporting is lowering my credit score by XXXX points and affecting the age of my accounts score negatively.
Consumer complaint received 2018-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been making regular payments of ~ $ 180/month on 2 loans which were consolidated after I stopped going to college in XX/XX/XXXXand my forbearance ended in XX/XX/XXXX. The total loan amount for the 2 loans was XXXX in XX/XX/XXXXat 4.875 %. I have literally been paying for these loans for 16 years and they have NOT reduced in amount due. The loan was sold from XXXX XXXX to another company and from that company to yet another. I have since lost track of how many times this loan has been sold but it is now owned by Navient who just recently sent me new paperwork regarding a forbearance which I did not have on my loan. They have now " updated my payment plan '' which puts me right back at owing the original amount to pay off for another 16 years. This loan should have been paid off years ago. I know I am being scammed and my payments are literally being stolen at this point. I have no idea how to stop this from happening and I do not want to have to pay yet another 16 years of payments.
Consumer complaint received 2017-07-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Hello, I am really hoping that you guys can assist me in removing these negative erroneous items from my credit report. I have reported all of the accounts that were not supposed to be on my report. As a matter of fact I have initiated an investigation more than once with each credit bureau with no response from either bureau. I have several things on my credit which are preventing my family from moving forward in the homeowner process and many other aspects of our financial life and freedom. Please assist me with getting these negative erroneous things removed from my credit as they are accounts that have been falsely reported to my credit report.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I contacted all 3 Credit Bureaus on multiple occasions about fraud that was on my account and even sent in a police report and they keep giving me the run around saying they did not receive it. I mailed it to them 2 times and faxed it to them 2 times swell. Please help me with this situation, because this is not right. I am the victim here and they are not honoring a valid police report. If not corrected then I will have to file litigation which should not be pessary because I have a report that I filed showing identity theft.
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Management, Inc (TX)

My credit has been negatively damaged by PROFESSIONAL CREDIT MANAGEMENT. They four negative collections on my credit report. I have called PROFESSIONAL CREDIT MANAGEMENT in hopes that they would remove those negative remarks. They refuse to do so. 
Collections 1 : {$2100.00} Collections 2 : {$360.00} Collections 3 : {$88.00} Collections 4 : {$1000.00} All these collections accounts have to do with identity theft that occurred at this location : XXXX XXXXXXXX XXXX. I have no knowledge or history with this entity.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/2019 and XX/XX/2019. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-06-23
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. (TX)

I noticed a car loan on my credit from XXXX XXXX XXXX. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD
Consumer complaint received 2022-04-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Hello, On XX/XX/XXXX there was a hard inquiry on my credit from Bk Of Amer. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards.