davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
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)

I noticed a negative report on Experian and XXXX had a negative report on my credit, so I disputed it and they responded by sending me the copy of a contract not signed by me, wrong email, wrong physical address, wrong phone number. The only thing right was my name. I have contacted them several times, disputed it with both Experian and XXXX with no results. The Debt Collector is XXXX XXXX XXXX and I have recently got some information from an Attorney that the have several judgment against them in Federal Court of which they are ignoring. They are getting sued in Federal Court and having Default Judgments taken against them, yet not updating the credit reports to be accurate all while demanding payment for the tradelines to be deleted.
Consumer complaint received 2020-11-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL (OH)

I am a federally protected consumer and found that I was injured due to multiple fdcpa violations causing anxiety and the inability to sleep due to this alleged debt they contacted me after receiving a cease and desist and have not responded to my affidavit of truth or my default & opportunity to cure letter Allegations in affidavit in support of motion must be considered as true in absense of counter-affidavit. [ Group v Finletter, 108 F. Supp 327 Federal case of Group v Finletter, 108 F. SUPP. 327 ]
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I had some charges on my credit card from someone purchasing a train ticket through XXXX, in addition to travel insurance. The credit card company opened a fraud claim on my behalf, but included some other charges. Some charges were legit ( my wife was on a weekend trip ). 

Because XXXX was listed on my statement with contact information I also called them. They transferred me to the XXXX Police and they opened an investigation after I gave a statement. We turns out, the XXXX police tracked down the ticket and took the passenger off the train at the time of the ticket and that person was arrested. I suppled all this to Bank of America. Even on my online statement its shows an online purchase, plus I provided all the police reports to Bank of America. They still are declining on fraud claim. Its been 4 months and upwards of 35-40 hours of me on the phone with them, and i continue to fight out of principle. 

Case # XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The list of accounts below is reported inaccurate on my Equifax consumer report. these items have violated my consumer rights under the Fair Credit Reporting Act. It has no account name and it only reports to Equifax. As mandated in 15 U.S. Code 1681i Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. 
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
Consumer complaint received 2020-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (TX)

On XX/XX/XXXX Paramount Recovery reported to all three credit bureaus that I have an outstanding medical bill with the original debtor XXXX XXXX XXXX in the amount of {$960.00}. On XX/XX/2020 I contacted XXXX XXXX XXXX to settle the debt for a lower amount since they had sent me a letter in the mail dated XX/XX/2020. I paid XXXX XXXX {$380.00} and the debt was satisfied and the debt was removed from my credit report. Now the same debt but different debt collector is trying to collect the money for the same medical bill. I called today and spoke with a customer service at Paramount but all I was given was an email address to send all of my information that I paid and nobody contacted me back to inform me the debt was removed from credit report. 
XXXX XXXX XXXX XXXX Paramount Recovery XXXX
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TN)

I graduated from my XXXX and XXXX program in XXXX XXXX, I immediately went into after school deferment for 6 months ( XXXX XXXX ). Afterwards, I was in financial hardship for a year until XXXX XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XXXX XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XXXX XXXX. My credit report shows paying ontime up until XXXX XXXX but shows 90 Days late for XXXX and XXXX XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XXXX XXXX for my loans to be sent to them, they stated they finally received it in XXXX XXXX, my deferment ended in XXXX XXXX. But nelnet refuse to take actions to correct this issue.
Consumer complaint received 2017-12-11
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. (TX)

This is about my credit scoring done by Equifax. I keep up with my credit score check weekly and watch how my credit scores drop when I use my credit. Last week my score was XXXX and now it drop to a XXXX. My score will drop more than it will rise and I wanting to know why? Is this how it keeps me paying more in APR 's or what. I have no late payments, bankruptcy or repossessions on my history but yet I 've never been over the XXXX mark. I have plenty of credit history too, Im XXXX years old. So how is this a fair credit scoring system they have in place. Its almost like it to keep you from using your credit or to keep a person paying high APR 's.
Consumer complaint received 2020-11-29
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. (NV)

I filed disputes with all 3 major bureaus for accounts opened in my name that do not belong to me. Someone has been using my personal info to get accounts in my name and I went to the police station. I also filed an identity theft report because someone has obviously stolen my identity. The bureaus have done nothing and I sent them everything they asked for along with the disputes so I don't understand how they can not remove them.
Consumer complaint received 2023-01-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I noticed a couple of errors on my credit report, so i reached out to experian to see if they could explain whats on my report and why its on my report. They sent me back a report saying the information was validated, but they did not explain how the investigation was done. I want experian to provide how they conducted their investigation, who did they talk to while investigation, phone numbers, emails, fax numbers, and names. Explain how the information is vald, going through the E oscar system is not proper investigation or validation, i plan on taking this to small claims court so im getting all my paperwork in order, and getting a papertrail together.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I have filed numerous complaints on all parties involved in this matter.. The last phone conversation with executive specialist at XXXX XXXX yesterday XX/XX/26. they stated that LOANCARE HAS TO GIVE XXXX XXXX written consent to ask XXXX to return the funds.. My mom has been helping me with all of this because I am not readily available to answer my phone, I am a XXXX  XXXX.. Her and I and XXXX XXXX  were on the phone yesterday. The funds ARE sitting at XXXX XXXX  to return to XXXX XXXX when ask the contact at XXXX XXXX  is XXXX XXXX XXXX. But XXXX XXXX will not call XXXX XXXX  because Loan care as not given them consent to do so.. I will attached all documents from all parties that have been involved and would so very much appreciate a resolution this has been going on since XX/XX/XXXX ... going on 7 months now and that is not counting from the date the check was sent.. 

To sum up this issue Loancare sent a check written off a XXXX XXXX account and XXXX is holding the funds that a perpetrator tried to steal. And XXXX can not do anything with said funds until someone from XXXX XXXX calls them and XXXX XXXX will not until Loancare tells them too.. this is all getting so RIDICULOUS ... 

I have complied with all companies involved. All info from all companies will be attached and I will file against all of them again!!! Because they seem to be doing nothing except XXXX
Consumer complaint received 2021-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Addendum to complaint XXXX : I went to the Send Message part of Freedom Mortgage 's website 2-3 times between XX/XX/XXXX and XX/XX/XXXX as well. The website has a " Subject '' pull down menu that is blank. If this is not filled in, the Message will not " Send. '' I tried to send Messages twice this way as well as all of the phone calls mentioned in the above complaint.
Consumer complaint received 2020-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Ygrene Energy Fund Inc. (CA)

Date of Application for Financial Loan- UNKOWN . 
- Possible of Forgery of Complainant 's Signature. 
- Predatory Lender 's Acceptance this Application for Loan. 
- My Sister wanted to obtain Solar Panels to lower Electric bill. She asked me my opinion about Solar Panels. I told her I do not know much about them ; but if the Panels really decrease the electric bill then I guess they are ok. 
- I also told her that if she gets them that's her project. I can not afford to help pay for them. 
- On my USPS.com app. I noticed a weird letter envelope from a Company I did not know about. I asked my sister " Why were our names are on this strange Envelope? '' I told her I want to read it after she's done. She avoided my request 3 times and never got to read the letter in this strange envelope. [ Refer to Attachment Envelope. ] - On XX/XX/2020. I wrote to Ygrene Company. Told them I did not : Recognize, nor have any business relations, and did NOT SIGN ANYTHING with this Company. I requested if any documents that had my signature on them to email them as an attachment to my email address. 
- Remove my name from what ever. I told this company I do not get involved in my sisters affairs, and told them this matter must be between you two. [ Refer to my letter 2 Attachments ] - XX/XX/XXXX, XXXX Ygrene emailed me a letter attachment.. States ; " Addressed to the Owners of the Property. As a Reminder, the financing is tied to the Property only, instead of the Individuals, and is repaid over the financing term through the property taxes. '' Also stated Property was .removed off mailing list. No it as not been removed from the mailing list. 
- NOTE- NO COPY OF CONTRACT SENT, AVOIDS ANY ACKNOWEGEMENT ANY SIGNED DOCUMENTS WITH MY SIGNATURE ON THEM. 
- Sister 's Trusts Litigation Confirms that we as sisters had Accepted a Settlement Agreement to not repay Trusts amounts with money but settled this matter accepting one half of property value/worth to be gifted to me and son from my sister. DA closed the Trust Case. 
- I DID NOT SIGN ANY CONTRACT FOR A XXXX LOAN ; AND WAS NOT SERVED WITH ANY SIGNED DOCUMENTS WITHIN THE LEGAL TIME TO HAVE DELIVERY TO CONSUMERS. 
- BOTH ENITIES ARE AVAIDING CRUCIAL ANSWERS TO MY LEGAL CONCERNS THAT FORGERY AND THIS LENDER IS A PREDATORY LENDER IS A GREAT POSSIBILTY I AM CORRECT.
Consumer complaint received 2021-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Good morning, I'm filing this dispute against Transunion and XXXX  based on their inaccurate credit reporting - TransUnion is showing my credit score at XXXX XXXX  is showing my credit score at XXXX I filed a complaint two weeks ago and they both made minor adjustments, however BOTH bureaus are still reporting my credit card usage as 24 % - in fact, it's closer to 10 % What's more troubling is the fact that they're showing my Age of Credit History at 10 months, which is horribly incorrect. I've maintained an impeccable credit history for 3 years now This needs to be adjusted as again it's impacting all of my ability to obtain a car loan, as well as, my overall good standing. I'm about to engage in government contract work and this may very well prohibit me from doing so
Consumer complaint received 2024-02-24
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)

Hello, my name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts.
Consumer complaint received 2021-06-04
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. (CA)

XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2017-12-11
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

This was a 39 month lease with XXXX XXXX, opened on XXXX. Car was returned around XX/XX/XXXX. I had no late payments, however, Nissan decided to charge me {$7500.00}, for car details. The XXXX XXXX that I leased was recalled by Nissan for defective acceleration & defective breaks ; yet Nissan never notified me while I had the car. The account is over ten years old, therefore, it needs to be removed from my credit report agencies. Nissan closed and charged off the account in XX/XX/XXXX. They transferred the account to XXXX XXXX XXXX which is a Nissan sister company. XXXX XXXX posted imaginary payments for the last 24 months and updated and changed the account status from closed to open and in good standing. However, the balance never goes down. The monthly payments allegedly made are for {$410.00} x 24 months = {$9900.00}, which makes no sense. Since the balance never went down during the 24 month period. 
They are trying to show that I updated the account before the 7 years limit so that the account will never come off my credit report.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AL)

I received a notification in XX/XX/2020 that I had a late payment reported on my credit. US Bank holds my mortgage and I set up my account for autopay months before that. They had an internal error and did not pull my mortgage payment in XXXX  and failed to notify me of the mistake. They reported a late payment on my credit even though it was their fault. I called them and two customer service agents told me that it would be removed. It's still being reported on my credit file and they haven't taken it off yet. It is killing my score and needs to be removed.
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (TX)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX 4 . XXXX XXXX XXXX 5, XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX  10. XXXX XXXX XXXX  11XXXX
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2021 we were notified ( see attached ) that our mortgage servicing was transferred from from XXXX XXXX XXXX to XXXX XXXX XXXX with an effective date of transfer that was on XX/XX/2021 The transfer has since been completed, but XXXX is still reporting to the credit bureaus the a loan balance of {$190000.00} that was also transferred to XXXX XXXX XXXX. They are also still showing the loan as being OPEN to the credit bureaus, when it should be Closed. We have so far completed two payments to the new mortgage servicer and looking to the third, yet the credit bureaus are still reporting the transferred balance and an account that should have been CLOSED
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 we were notified ( see attached ) that our mortgage servicing was transferred from from XXXX XXXX XXXX to XXXX XXXX XXXX with an effective date of transfer that was on XX/XX/2021 The transfer has since been completed, but XXXX is still reporting to the credit bureaus the a loan balance of {$190000.00} that was also transferred to XXXX XXXX XXXX. They are also still showing the loan as being OPEN to the credit bureaus, when it should be Closed. We have so far completed two payments to the new mortgage servicer and looking to the third, yet the credit bureaus are still reporting the transferred balance and an account that should have been CLOSED
Consumer complaint received 2024-02-20
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. (CA)

I am requesting you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.