davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (MD)

Hello, I called my student loan servicer, EdFinancial, on XX/XX/22 requesting a refund of {$10000.00} that I had paid during the COVID-19 pandemic. The customer service representative processed the refund request, but said that she could not provide me with any sort of receipt to prove I called and requested the refund. She also was unable to give me any sort of timeline of when to expect the funds to appear in my bank account, or when to expect the {$10000.00} to reappear on my loan balance.
Consumer complaint received 2023-01-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (NY)

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.

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 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 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance 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 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

Hunter Warfield Inc. at XXXX XXXX XXXX XXXX. has been sending me collection notices in the amount {$1900.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company I have never done any business with this company. This company does not have a contact signature XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Social security # XXXX Credit Bureau : Hunter Warfield Inc. 
Credit Bureau : XXXX XXXX XXXX. 
Date:XX/XX/XXXX Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative , I recently reviewed a copy of my credit report on XXXX and noticed 3inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX XXXX on XXXX at XXXX XXXX XXXX XXXX XXXX, MS XXXX at the amount of {$240.00} 2. XXXX XXXX and XXXX at XXXX XXXX XXXX. XXXX XXXX XXXX, VA, XXXX at the amount of {$390.00} 3. Hunter Warfield Inc. and XXXX
Consumer complaint received 2021-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I submitted my employer certification form for the Public Service Loan Forgiveness program in XXXX of XXXX. On XX/XX/XXXX I received a letter from FedLoan Servicing stating they received it. On XX/XX/XXXX I received a letter stating they needed more time to determine if the employer qualified. I followed up with them again and let them know that this was the same employer, the same job, and the same EIN number that I submitted previously ( XX/XX/XXXX ) and which was immediately approved at that time. They would not give me a clear answer as to why it was different this time. At first they said it was a different EIN number, but then I showed them that it was the same EIN number, and then they had no answer. They said it could take three months to approve. I have reached out multiple times and never get any new information. It has now been over 4 months and there is no answer. Again, this is the exact same employer ( a public school district ) and the exact same EIN, and the exact same job that they previously approved in a matter of days. There is no reason I should have to wait months and months for them to process my employer certification form.
Consumer complaint received 2022-09-22
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. (NV)

In accordance with the Fair Credit Reporting Act. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-25
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00}
Consumer complaint received 2023-04-22
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. (CA)

This complaint will be my follow-up to my previous complaint that contains these disputed accounts : XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} I want the aforementioned accounts to be deleted for they are misleading and erroneous
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (GA)

I am sending you this because the XXXX credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a text XX/XX/2022 stated that My credit card was approved. I never applied for a credit car since I already have one in the same company XXXX Bank of America ). I called them and asked them to removed it.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (TX)

I received a notification from XXXX XXXX about opening a new credit card that I know I didnt applied for, the account was opened as of XX/XX/XXXX and received the notification on XX/XX/XXXX. I called the credit card and filed a fraud claim.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (NM)

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.

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 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 2022-09-22
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. (IL)

I recently received my credit report regarding Public Records listed below : Public Record : 1. US BANKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 
2. US BAMKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 

I recently submitted disputes with Experian, XXXX and XXXX on the above mentioned bankruptcies, requesting that they be verified. All three Bureaus responded that they verified the bankruptcies with the US Bankruptcy Court, XXXX, IL. This is in fact a lie. I have obtained a valid letter from the United States Bankruptcy Court stating that The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying information from consumers credit files. ( See attached letter from The Clerk of Court United States Bankruptcy Court, XXXX XXXX XXXX ) This is, in fact, contrary to the findings or results of my rightful dispute asking that XXXX, Experian, and XXXX verify the above-mentioned bankruptcies listed on my credit report. And using the third-party company, XXXX as the furnisher to verify the above listed public records is not the original furnisher of the information. But I showed XXXX, Experian and XXXX, with the attached document from the US Bankruptcy XXXX XXXX, XXXX XXXX XXXX Illinois, that they in fact, DO NOT VERIFY information with the credit bureaus. The Fair Credit Reporting Act specifically states that all items on a credit report must be verified from the original furnisher. And the US Bankruptcy Court Clerk is the original furnisher of all public Records. So, XXXX, XXXX and Experian is in direct breach of the law by reporting the above listed public records. 

Also, I recently obtained my Consumer Disclosure Report from XXXX, in which Experian and XXXX uses as a third-party vendor to verify bankruptcies on a person 's credit report ( See attached XXXX Consumer Disclosure Report ). In that report there isnt any bankruptcies listed associated with my social security number. 

And the addresses attached to the bankruptcies on my credit report with XXXX, Experian and XXXX does not or have not belonged to me at all. I don't, nor have I ever been able to receive mail at the addresses attached to the above listed bankruptcies. 

The above-listed public records can't be verified and must be removed from my credit report. 

In conclusion, XXXX, Experian and XXXX have failed to provide me with verification of the above listed bankruptcies. They are publicizing inaccurate information on my credit report. Which is a direct violation of the Fair Credit Reporting Act Section 1681 ( c ), 611 ( a ) ( 7 ) and a serious breach of my privacy rights. 

I have maintained careful records of their actions. I once again, respectfully request that XXXX, Experian and XXXX remove the above-mentioned bankruptcies from my credit report immediately.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have tried to sign into my Experian account to lift a credit freeze. 
It does not recognize my user name or password. It will not let me change the password so I have tried numerous calls to Experian to get help. It will not let me talk to a real person. I am literally trapped by not being able to lift my credit freeze and the company will not provide an option and does not have XXXX on their website which also links to an awful maze that does not help. Their website and service is awful. Please help.
Consumer complaint received 2023-06-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Butler and Associates, PA (TX)

This company has attempted to garnish my wages 3 times. I live in Texas which is a non-garnishment state but yet they keep filing garnishments. I have no idea what the debit is and I am never notified of the garnishment attempts. I do not believe the debt is even valid.
Consumer complaint received 2022-09-22
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. (IL)

I have no business with XXXX XXXX acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CCM Finance LLC (TX)

Hi, ima writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commissions identity theft affidavit. 
Please delete the items XXXX soon as possible
Consumer complaint received 2023-02-14
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: Premium Credit Bureau (NC)

XXXX, XXXX, XXXX & XXXX XXXX XXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

This is my third loan with One Main Financial. I am an older American and XXXX Veteran. 
My title was never returned to me upon full payment of the previous loan. One main instead coerced me into another loan in order to get my title back to my car. One main also without my consent after I clearly declined their insurance offer still signed me up for auto insurance I do not need as I already have automobile insurance saying. 
One main is charging me an unfair, excessive, and unconscionable amount of interest on this title loan. I have never been late with any loans and should not be charged excessive interest as I am not a subprime consumer and I have a excellent payment history.
Consumer complaint received 2022-09-22
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. (AL)

In accordance with the Fair Credit Reporting act XXXX 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 2023-05-02
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. (VA)

They stated my accounts were verified how is this possible, if I have circled many inconsistencies and inaccuracies on my report from different account numbers, listed dates, balances term, months, and less reported dates that you can see. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is grounds for immediate removal! I have attached pictures of my updated monthly report according to the law everything has to be 100 % accurate, it is not. 

Account name XXXX XXXX  Account number XXXX Account name - XXXX XXXX XXXX  Account number XXXX Account name - XXXX XXXX XXXX XXXX Account XXXX XXXX Account name - XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX numbers- XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681 section ( 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 for more than seven years.

15 U.S.C Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (IA)

Starting in XXXX there were charges to my card that were not authorized. I only use the card a couple of times a month to pay my bills, so did not notice right away. 

When I realized, I cancelled the card and got a replacement. I also sent a letter to the company with all the charges that are not mine. It was sent on XX/XX/XXXX. It has been at the post office there since XX/XX/XXXX, and is just sitting there. No one is picking it up. I have tried calling, but can not get through to a real person. 

The charges are almost daily starting XX/XX/XXXX until XX/XX/XXXX.