davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MD)

I graduated from the University XXXX XXXX in XXXX, with a total of {$45000.00} in federal student loans which I consolidated that year. I made payments except when I obtained a deferment for financial reasons. In XXXX I filed for Chapter XXXX bankruptcy. I tried to make student loan payments, but they were returned by AES. I completed my plan and my bankruptcy was fully XXXX in XXXX. 

In XXXX, I was advised by AES that my loans now totaled over {$130000.00}, due to the interest that compounded during the bankruptcy. My attempts to have AES forgive the interest during the bankruptcy ( since it refused payment ) were futile. The balance is now over {$160000.00}, and I will be in repayment until I am XXXX XXXX XXXX. The monthly payments are {$1300.00}. Again, I graduated in XXXX, and have not returned to school since that year. 

I have repeatedly requested a copy of my XXXX consolidation application, to find out the repayment terms. AES can not provide me with the document. I have been making payments now, excluding deferments and the five-year bankruptcy period, for 22 years. 

Any help will be greatly appreciated. Also, I have been denied a pause on payments during the pandemic, which is difficult, as my husband can no longer work due to a XXXX. Thank you. 

XXXX XXXX
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting 100 % accurate. 

XXXX. XXXX XXXX Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Consumer complaint received 2021-02-25
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (IL)

I reached out to Chrysler Capital on XX/XX/21 at XXXX XXXX  CST about my end of lease options and to get more info on some items on my second account. When I spoke to the representative the information provided was very limited and not clear on what I can do to extend my lease or purchase more miles. Towards the middle of the call the representative advised me I had no options but to wait until the end of my lease. I asked her what are the options for me to turn in early since I was aware leases you can turn in at any time. She advised the fees and credit damage if I turn in my car early. That is when I asked her what will be getting reported to the bureaus. She advised it would be showing that the contract was terminated and that it would affect my credit. I explained to her I was knowledgeable of the credit reporting seeing as I too work with reporting but I asked what would be reported not if it would affect my credit. She proceeded to advise that it would affect my credit unless I wait until the end of my lease. This began to sound like it was an abusive way to keep me in my current lease when all I wanted to is to look at my options to get into a new contract still working through the same company. I called back to file a report and no one was available to do so. This kind of treatment is unacceptable considering how I a consumer with multiple accounts with this organization and this call was to get more information about continuing a partnership. The fact that she provided limited to no options but to wait for me to end my lease makes it a forced on situation on a contract that is known for flexibility to end at any time. To also top it off by saying my credit was going to be affected is deceptive because she is not the credit bureaus to advise my credit will be affected.
Consumer complaint received 2021-02-25
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. (ID)

Multiple disputes have been sent to TransUnion since XX/XX/XXXX against fraud-initiated inquiries ; however, to date, these fraudulent inquiries continue to report on the TransUnion credit report. 

Fraudulent inquiries reporting include : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XX/XX/XXXX ). 

Full documentation including a police report were sent to TransUnion to support fraud claim on these inquiries. Disputes were mailed to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. The last dispute was sent after reviewing the TransUnion credit file on XX/XX/XXXX and finding all disputed inquiries still reporting.
Consumer complaint received 2021-02-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-02-25
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: Self Financial Inc. (IL)

This account was closed and should have should paid in full. I have been emailing and submitting tickets about the inaccuracy of my reporting and they are admamant my account is not open with XXXX or I dont know what I am talking about. I have included an extensive email trail for your review asking them to fix my account and providing proof.
Consumer complaint received 2020-10-10
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. (MI)

On XXXX XXXX Equifax received written communication from me to remove inaccurate Names and Addresses from my Credit file. I got correspondence on XXXX XXXX that the inaccurate addresses were deleted, however one remains after they said they deleted it. XXXX XXXX XXXX XXXX XXXX MI, XXXX. This address is inaccurate and and should be removed. 

On XXXX XXXX Equifax received written communication from me to investigate unauthorized credit inquiries which were not used for permissible purpose. I requested that they send me documentation of said permission. A Correspondence that was dated just 2 days later XX/XX/2020 they are stating that Inquiries are a factual record of file access. They did not investigate per the FCRA guidelines. They are required by law to do a full and thorough investigation. The following Inquiries should be removed immediately- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and finally XXXX.
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All 3 credit bureaus have received a dispute about the following 7 accounts ( Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX ) SEVERAL times which states that the information is not accurate. It is clear from the credit report I have attached that these accounts are reporting differently with each of the 3 bureaus which confirms that it is not reporting accurately. 

Please help me to have XXXX, XXXX and Transunion following federal law and remove all information that is inaccurate or incomplete as per the FCRA.
Consumer complaint received 2020-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

PDM Debt Mediation {$110.00} creditor : XXXX XXXX XXXX This creditor incorrectly used my medical insurance instead of XXXX insurance which covered the refraction. When I went to his appointment, I provided my XXXX insurance because I knew about my XXXX conditions. Specifically, I told them that I want to do my glasses but I have the XXXX condition. They told me that they can do my glasses. XXXX insurance covered my glasses and the refraction. Due to my XXXX conditions, I am experiencing XXXX XXXX or a XXXX XXXX XXXX XXXX on the eye chart, a XXXX would be needed to see if this is due to a need for XXXX. A XXXX is also necessary to prove to insurance the need for XXXX XXXX. Because at that moment and time, I do not have the date for my XXXX, I went in there for first time in order that they prescribed me for glasses until I can do my XXXX which I need to postpone because I have a XXXX XXXX. They incorrectly used my medical insurance to diagnose me with cataracts conditions which I told them since the first date that I have it. They refused to use my XXXX insurance which completely covered the service. Since then they have been harassed me with this bill. XXXX XXXX XXXX never sent me any resolution. Instead they sent this to Debt Collector.
Consumer complaint received 2021-02-25
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. (AL)

I recently sent TransUnion and XXXX several attempts on my behalf to erase inquiries and and accounts such as XXXXXXXX XXXX  and they continue to ignore the fraudulent reporting that I have made. I sent a list of inquiries that I did not recognize or make and I sent them information about my concerns of the wrong doing of XXXXXXXX XXXX to XXXX  and XXXX asking them to take it off my credit report. TransUnion took XXXX off with no problem but XXXX and XXXX will not take that corrupt overcharging company off my report.
Consumer complaint received 2021-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company (DE)

Earlier this month, on XX/XX/XXXX, I pulled my consumer credit reports from the XXXX XXXX XXXX website, and the credit bureaus themselves. I found an account that I did not apply for, and did not recognize, so I went online, found a dispute letter, and mailed it to Commercial Acceptance Company. I sent that letter to the address that was reported on my XXXX report, however I did notice it was a different from the address reported to XXXX. Neither of those addresses match their website, which I found out after the letter I mailed to them was returned. This is both an FCRA violation and an FDCPA violation. They have reported incorrect and or false information to the credit bureaus in reference to my account. this account is incorrect and unverifiable. THEY ARE REQUIRED TO REPORT 100 % FACTUAL INFORMATION TO THE CREDIT BUREAUS AND HAVE FAILED MISERABLY. PLEASE HELP ME!
Consumer complaint received 2021-05-04
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. (CA)

Many attempts made to correct inaccurate information placed on my credit report, late payment of the account is inaccurate. The payment history of the last purchased item is not available which reflects an inaccurate history of my credit account as well as the balance history of the account, please remove it from my credit history.
Consumer complaint received 2021-02-25
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: AFNI INC. (IL)

I just looked at my credit report and was shocked to see the errors listed in this correspondence. I am writing to have you remove these erroneous items from my credit profile immediately. 

The following accounts needs to be removed immediately : Account Name : XXXX Account Number : XXXX Amount : {$53.00} Reason : XXXX verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$3900.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$540.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Account Name : AFNI Account Number : XXXX Amount : {$3800.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.

Account Name : AFNI Account Number : XXXX Amount : {$230.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$390.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 


The following Inquiries need to be removed immediately from my credit profile : Creditor Name : XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : us small bus admin oda Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit profile. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address.
Consumer complaint received 2021-02-25
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: National Credit Adjusters, LLC (IL)

I just looked at my credit report and was shocked to see the errors listed in this correspondence. I am writing to have you remove these erroneous items from my credit profile immediately. 

The following accounts needs to be removed immediately : Account Name : XXXX Account Number : XXXX Amount : {$53.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account Number : XXXX Amount : {$3900.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$540.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account XXXX : XXXX XXXX : {$3800.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 





Account Name : XXXX Account XXXX : XXXX XXXX : {$230.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 

Account Name : XXXX Account XXXX : XXXX XXXX : {$390.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. 


The following Inquiries need to be removed immediately from my credit profile : Creditor Name : XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 

Creditor Name : us small bus admin oda Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. 


By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit profile. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address.
Consumer complaint received 2022-06-26
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. (CA)

According to the FCRA 15 U.S.C. 1681c ( b ) and 15 U.S.C. 1681 b ( a ) 2 without my written instructions my XXXX account the number is XXXX .... 

on XXXX it shows balance is {$0.00} on XXXX  it shows {$4800.00} on equifax is shows {$4800.00} date opened on XXXX  it shows XX/XX/2016 on XXXX  it shows XX/XX/2016 on equifax it shows XXXX
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (PA)

Is reinsertion illegal? I believe it is. Back in XXXX I wrote Caine Weiner a basic dispute letter I found on XXXX. They removed the account from my credit between then and XXXX. That item has reappeared out of no where on my credit, same company and everything. This is totally illegal. They can not reinsert an item after they requested account deletion from the credit bureaus.
Consumer complaint received 2020-11-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.
Consumer complaint received 2021-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc (CO)

XXXX XXXX XXXX XXXX and Alpine Credit have put a collection account onto my credit report. I called my insurance company to find out why I was being billed for this. They told me it was a duplicate charge and that I did not owe it. Ive disputed the charge several times and it comes back as a valid debt.