davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

My lender, HESAA ( a state of New Jersey student loan agency ), granted me a forbearance in light of a Covid hardship. However, HESAA failed to properly process that forbearance and as a result, misreported delinquencies to all three credit bureaus for the months of XXXX 2020. HESAA has since acknowledged its error and seemingly corrected the misreporting with XXXX and XXXX, but there has been a complete breakdown in communication with XXXX. 

HESAA has confirmed multiple times, in writing, that no delinquencies should have ever been reported -- they do not dispute whatsoever that the initial mistake was theirs. However, HESAA keeps saying that they have done everything possible to correct the matter with XXXX, but XXXX must be failing to make appropriate corrections on their end. 

XXXX, on the other hand, claims that HESAA continues to indicate delinquencies for the months of XXXX, notwithstanding several formal disputes that I have initiated with XXXX. With regard to those disputes, HESAA claims that they were never contacted by XXXX regarding any dispute, while, as noted, XXXX claims HESAA was contacted and indicated the delinquencies should remain on my credit report. 

I have attempted for more than SIX MONTHS to resolve this. There is seemingly no way to bring HESAA and XXXX into contact with one another in a way that transmits an accurate correction of my credit report from HESAA to XXXX. I have ample documentation confirming everything explained above. 

My primary contact at HESAA is XXXX XXXX, whose email is XXXX XXXX
Consumer complaint received 2017-08-30
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. (KS)

I will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out TRANSUNION, XXXX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!
Consumer complaint received 2021-01-21
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)

XXXX XXXX XXXX XXXX : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.
Consumer complaint received 2021-01-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (FL)

I purchased a new XXXX in XX/XX/2019 from XXXX XXXX. As part of the purchase agreement, I turned in the XXXX XXXX for which I was leasing at the time. I had three months remaining on that lease at the time I purchased the XXXX and I paid for the remaining three months through the contact which is documented on the purchase agreement. I was unaware the dealership made an error until I tarted to receive correspondence from American Honda finance. I contacted the dealership not once but twice as I kept receiving correspondence from AHF. The dealership finally forwarded the payoff to American Honda but it negatively impacted my credit. I tried to resolve this with the bureaus and American Honda but they indicated the account was charged off at the time they received the balance and would not help. This is upsetting because if you look at the history of that lease there were no delinquent payments except the last three months for which should have been paid to the finance company early. This just doesn't seem fair to the consumer ( me ). Everything I pay on time and due to some XXXX error that I had to address twice with XXXX my credit is reporting negative information.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

On XXXX of XXXX A late payment showed on 4 of my XXXX student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus Experian, XXXX  and XXXX to remove late payment to no avail.
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2016-08-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Valentine and Kebartas, Inc. (DE)

I received a call from the Valentine and Kerbatas Collection company. The representative explained to me that she had me on a recorded line, however failed to name the company on the recorded line. She then proceeded to ask me to verify my SS # and DOB. I stopped her and asked her to provide me the name of the company again before I would validate or verify anything ... the lady got very upset with me and kept saying I was on a recorded line. I told her I did n't care and wanted more info about the company BEFORE giving any of my info. She then hung up on me.
Consumer complaint received 2017-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I was told over a year and a half ago that my loans were under investigation for fraud because the school closed down while I was attending because they were stealing money I stopped paying my loans because I was told I did n't have to by teachers working at the school it has impacted my credit score tremendously and I can not buy a home with this on my credit score since I was XXXX I have been dealing with this horrible credit score because of missed payments I contact financial aid I contact navient and no one helps me
Consumer complaint received 2023-02-20
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. (FL)

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 2021-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (GA)

My mother, XXXX XXXX, lived in a XXXX XXXX XXXX before she passed away. I opened a cable TV account for her in my name with XXXX/XXXX. The account was a direct bill to my credit card. When my mother passed away I called XXXX to cancel the service and a few days thereafter, I returned the equipment that belonged to XXXX. The next billing period on my credit card I saw a monthly charge on my credit card for the cable TV service. I called XXXX and have documentation that the charge was removed from my credit card service company. Since then, a company representing to be Eastern Account Systems, has been calling me ( several times ) trying to collect the monthly charge for the cable Tv service that XXXX removed. I've tried to explain to them that there was an error on XXXX  part and the charge was removed but Eastern is trying to get me to pay the charge. The Eastern Account Systems phone number they call from is XXXX. I'm told by the last person that called me from Eastern that the owners of this company are XXXX and XXXX XXXX.
Consumer complaint received 2021-01-21
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. (NY)

I have been disputing with the bureaus since XX/XX/2020, two accounts that I believe to be inaccurate. I included my reasoning in the dispute letters as well as all of my identification documents that the bureaus require. I never received any notices or anything that these accounts were being investigated. Because this went on for over a month, I sent another letter to the bureaus on XX/XX/2020. I still haven't received anything through the mail, email, nothing! Not even acknowledgment that my disputes were received, let alone being investigated!
Consumer complaint received 2021-01-21
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: Convergent Resources, Inc. (TN)

I am a victim of identity theft. An account for XXXX with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with XXXX directly and have been told to contact Convergent Outsourcing to initiate the dispute. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations. This complaint should serve as notice that Convergent Outsourcing may contact me in writing only regarding this account.
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I had the attached federal tax lien # XXXX in the amount of {$7700.00} WITHDRAWN by the IRS after it was released. I have submitted several requests to Equifax asking that the lien be DELETED from my credit report but Equifax has repeatedly refused to delete the lien, the most recent request being the one denied and referenced # XXXX dated XXXX XXXX, 2015. Equifax continues to report the lien as RELEASED and refuses to DELETE the lien from my credit report, in violation of the FCRA. 

Both XXXX and XXXX have DELETED the lien from my credit report ( see attached public records portion of my credit report ). 

Please have Equifax DELETE the WITHDRAWN federal tax lien # XXXX from my credit report.
Consumer complaint received 2021-01-21
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. (MA)

PLEASE SEE THE ATTACHMENTS! - Hello ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found those accounts attached still on my credit report despite the fact that it's reporting incomplete, inaccurate, erroneous, and with misleading and inconsistent information. There is no way that these accounts could've been verified as accurate because it continues to report incorrect information and it's actually illegally causing this account to re-aged. These accounts attached are not reporting in compliance with the law and saying that you " VERIFIED AS ACCURATE '' ; it's basically a binding contract when you say those words. Base on my understanding, account status needs to be updated when I dispute an item, and why is it showing XXXX credit bureau that the payment history was OK but the others showing CO status. So many violations and inconsistencies and i need them removed and deleted from my credit report effective immediately and i think 15 days way enough time. Please delete them all for violation and inaccuracies.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (GA)

The company has not supplied proof under the doctrine of estoppel by silence XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX XXXX I have not signed any documentation from said company. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2018-03-20
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. (CA)

Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Reporting double accounts credit reporting agency did not verify that is trying to be collected under 2 different accounts Not reporting accounts being sold nor reporting account XXXX balance once sold. Last date of payment untrue. Will not provide proof of any verification of investigation.
Consumer complaint received 2021-01-21
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. (UT)

I have sent several disputes to each one of the credit bureaus : XXXX, Equifax, and XXXX. They have yet to respond or provide me with any results!! I have been sending letters since XXXX of 2020 and haven't received a single letter or notice. I do understand that there is a pandemic going on but they are still lawfully supposed to respond to me. They are reporting errors on my credit file and need to respond immediately.
Consumer complaint received 2021-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (AZ)

I just completed loan rehabilitation and my account is back with the normal servicer. When I logged into my account, it stated that my loan was immediately due. On XXXX, I called the loan servicer to ask about a payment plan. I was told that I had to submit a financial hardship payment agreement form. I submitted that form on XXXX and called to follow up. When I spoke to the representative, I was told that my account was under review and to not worry about it. On XX/XX/XXXX I received an email stating that my account is under review. On XX/XX/XXXX, I sent another email to follow up about payments as I do not want to default again. On XX/XX/XXXX I received an email stating that my account has been past due since XXXX. I have not received a statement since XXXX. I went on my account and paid the past due amount since I do not want to default. I had been calling to figure out payments but I was just being told that my account was under review.
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

XXXX sent me to collections after I canceled with them and they still went and charged me for the following month. I do not owe them money and I have explained this to the company so many times and now it's on my credit report as a collection account through IC System. I've disputed it on there as well, and I got nowhere. I don't owe this bill. The amount is {$170.00}, I don't have an account number or anything.
Consumer complaint received 2021-01-21
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)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 
These lenders have accessed my credit file : XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2021 XXXX/XXXX  XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2021 XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX  XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/2021 XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/2021 XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX/XXXX  XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/2021 XXXX/XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/2021 XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2021 XXXX  XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/2021 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-21
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)

XXXX XXXX XXXX XXXX XXXX, now known as XXXX XXXX XXXX XXXX is trying to collect {$4800.00} for an account they seek for XXXX XXXX XXXX. I have already disputed this claim back in XXXX with all credit agencies. This is not my account. I did not live at XXXX XXXX. They continue to illegally place this account as a new, open collections account. I hired XXXX XXXX in XXXX Texas in XXXX and the lawyer told me that this was illegal. It is now XXXX and these collection agencies keep changing names and the account keeps showing up on all credit agencies. I do not know what else to do, as this has already caused me much financial hardship. XXXX XXXX XXXX XXXX has tried calling me, however I expressed that I would file my dispute in writing.
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (FL)

In according 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 Accounts name XXXX XXXX XXXX  XXXX, accounts name XXXX XXXX XXXX XXXXXXXX, accounts name XXXX XXXX XXXX XXXX XXXXXXXX 15 u.s.c 1681 section 602 a .state I have the right to privacy 15 u.s.c1681 sections 604 a section 2 it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( A ) ( 5 ) section state : 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 more than seven years 15 u.s.c 1681s 2 ( a ) 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