davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (TN)

XX/XX/XXXX - contacted Premier Student Loan Center to consolidate my student loans and participate in the Public Service Loan Forgiveness Act,  as I was working for a nonprofit XXXX. My federal loans were consolidated at this time and my payment was reduced significantly. 
XX/XX/XXXX - XXXX XXXX XXXX reached out to have me recertify for Public Service Loan Forgiveness ( PSLF ). I filled out the employment certification form and returned it. 
XX/XX/XXXX - Premier Student Loan Center reached out asking me to recertify again, this time requiring recent pay stubs and most recent federal tax return, which I provided. 
XX/XX/XXXX Received email from XXXX informing me that my payment would be increasing from ~ $ XXXX/month to $ XXXX/month. I then called XXXX to discuss this increase and was informed that when I consolidated my loans through Premier Student Loan Center, I was able to get such a low monthly payment because they had claimed 5 dependents on my behalf ( I have zero dependents. ) I placed my loans in forebearance for two months while sorting this out and now have an adequate repayment plan through XXXX.
Consumer complaint received 2020-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

I was told by XXXX XXXX XXXX  that Jefferson Capital was handling my debt. I contacted them on XX/XX/XXXX and settled the debt. On XX/XX/XXXX,  XXXX XXXX XX/XX/XXXXsaid they got notification that debt was sold. I contacted Jefferson Capital to see if they would send information about account being paid, not sold. Nothing has been updated on my credit reports. Credit bureaus wont accept my paperwork because debt is under XXXX XXXX XX/XX/XXXXand not Jefferson Capital
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was looking through my credit report this morning and noticed some unauthorized inquiries that I had never applied for. According to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. I contacted the credit bureaus and they refused to remove them.
Consumer complaint received 2020-03-26
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. (MD)

I just applied for a refi for my house and I got rejected because they said I have a 30 late payment on my mortgage. I was on a Forbearance Plan with XXXX from XX/XX/2019 to XX/XX/2019 because the President shutdown the government without pay. XXXX XXXX XXXX XXXX took over the loan on or around XXXX and started a Loss Mitigation Home Modification process. I was making monthly payments and catch up payments while they considered the modification. I just talk to a rep at XXXX and she pulled my account and said there were no missed payments and it should be corrected on there end after XX/XX/XXXX. She put notes on my account and admitted my paperwork from XXXX didn't get transfer over correctly to XXXX. I was not late on XX/XX/2019.
Consumer complaint received 2020-04-04
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 — Problem with personal statement of dispute
Company: HW Holding, Inc (GA)

Due to a program, XXXX XXXX closing its doors in XX/XX/XXXX many families including my self was force to find other housing. I was living at XXXX XXXX XXXX  ran by XXXX XXXX. I was informed by XXXX XXXX   ( forgot the lady 's name who called me ) we had to move. I moved as quickly as possible by paying a moving company to move and placed my belongings in storage. A week afterwards I was called by someone named ( XXXX ) and offered to stay in a different apartment because they were upgrading my apartment. Because I had no where to live, I agreed if they could find me an apartment upfront near the apartment I moved out of. I was informed the only apartment they had left was in the back. Due to homelessness, I took it. After moving in, I found the apartment to have issues and was infested with roaches. The upstairs neighbor confirmed this as well, she informed that after the previous tenant moved out, her apartment was infested. Nonetheless, I called and sent email to get concerns such as spiders coming in through a window and the patio door allowed other insects in. I could not bare it any longer. I had not moved any furniture in, I slept on a mattress in the living room. I informed a leasing agent I am moving. I went to court and the attorney informed me as long as I was out of the unit by XX/XX/XXXX I would only be charged the court fees and I believe late fees. I informed the attorney I would be out. I moved the few items I had in the apartment, went to a hotel, and the next day XX/XX/XXXX, I moved into Transitional Housing where I remained until XX/XX/XXXX. I believe the keys were turned in on the XXXX or XXXX of XXXX. My issue is the collection agency continued to raise the fees which caused my credit to drop each time. The amount owed to the collection agency Hunter 's warfield is nearly {$5000.00} if not over since I last heard from them. A rep from Hunter 's Warfield costantly called and failed to listen to me ... they were quite rude. I later found out that XXXX no longer manages the complex and I dont know what to do.
Consumer complaint received 2020-03-26
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. (AZ)

Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Equifax has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Equifax failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. 

PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNT HAS BEEN DISMISSED IN THE COURT OF LAW, I AM REQUESTING THIS ACCOUNT TO BE REMOVED AND COMPLETELY DELETED OFF MY CREDIT FILE. IT HAS CAUSED TREMENDOUS DAMAGE AND HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT. PLEASE CONDUCT A REINVESTIGATION AND HAVE THIS ACCOUNT REMOVE.
Consumer complaint received 2020-03-26
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. (AZ)

Legal Department, Transunion has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX   has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. 

PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNT HAS BEEN DISMISSED IN THE COURT OF LAW, I AM REQUESTING THIS ACCOUNT TO BE REMOVED AND COMPLETELY DELETED OFF MY CREDIT FILE. IT HAS CAUSED TREMENDOUS DAMAGE AND HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT. PLEASE CONDUCT A REINVESTIGATION AND HAVE THIS ACCOUNT REMOVE.
Consumer complaint received 2020-03-26
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)

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. 

Back in XXXX the following items were never authorized or signed by me and would like off my credit report. As this is fraud. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-04
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. (NJ)

Responding to your XXXX  XXXX XXXX letter that was send to my mailing adress dated XX/XX/2020. " See Attachtment documents '', 2 other banks and XXXX  made a full investigation about my claims against their companies and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report. 

I reported this Inquiry directly to your company and your fraud department agent told by phone she couldnt located this inquiry no where on your file system. NOW IN YOUR LETTER YOU TELL ME THAT THIS INQUIRY IS ACCURATE, CAN WE SPEAK HERE ABOUT MISLEADING AND FALSE INFORMATION FROM YOUR BANK TO MY PERSON??
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-28
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. (MI)

XXXX and XXXX has an incorrect address and name tied to my ssn that Im not familiar with and its been hindering my credit for years.Everytime a financial institution runs my credit, its always there and I just want it gone.Thanks and XXXX bless!
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (WA)

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments.
Consumer complaint received 2020-03-26
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. (FL)

My identity has been breached and used to obtain credit without me knowing. Please help me get to bottom of this and bring these people to justice. I can not even get a car loan because of this. I have become victim of identity theft due to I believe a data breach please help me.
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (VA)

I sent Diversified Adjustments a certified letter asking them to very the debt that owed. The agency sent a photo copy of the two years agreement that was not valid. The term was over and paid in full. Letter was mailed out to the agency asking them to validate the signature and the correct amount. The agency was ask to verify how they are validating the information and give the name and number of who validate the information is correct and valid. They did not response to the certified letter. I keep receiving harassing phone calls from them saying that the debt is valid. Without correct info how can the debt be valid with no account number. XXXX was the company that sold the account to two different collection agency. I sent both copies to the collection agency stating that the debt is not valid. 


Thank you XXXX XXXX
Consumer complaint received 2022-11-05
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. (NY)

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please investigate and fix the accounts listed below. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$240.00}.
Consumer complaint received 2020-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

National credit adjusters is reporting to the three credit bureaus that I have debt in collections from 2014 from XXXX XXXX  XXXX. I have never had a loan XXXX XXXX XXXX and have asked them to furnish proof that this loan belongs to me but they have not provided any documentation proving that this my account.
Consumer complaint received 2022-11-05
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. (NY)

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please investigate and fix the accounts listed below. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00} ; XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$240.00}.
Consumer complaint received 2020-04-04
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: Experian Information Solutions Inc. (FL)

I had an auto loan with XXXX XXXX I have a record of 99 % ; paid on time .for 5  years A late payment is reflected on credit bureaus I have copy of the check sent on time by XXXX XXXX . I have a letter from XXXX XXXX stating the account was paid in full no late payment. I need XXXX auto loan to correct the information of a late payment I was never late I demand from XXXX XXXX to report to all credit bureau this correction as soon as possible is affecting my credit report potentially negative
Consumer complaint received 2020-04-04
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: EQUIFAX, INC. (FL)

I had an auto loan with XXXX XXXX I have a record of 99 % ; paid on time .for 5  years A late payment is reflected on credit bureaus I have copy of the check sent on time by XXXX XXXX XXXX I have a letter from XXXX XXXX  stating the account was paid in full no late payment. I need XXXX auto loan to correct the information of a late payment I was never late I demand from XXXX XXXX to report to all credit bureau this correction as soon as possible is affecting my credit report potentially negative
Consumer complaint received 2020-04-04
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. (FL)

I had an auto loan with XXXX XXXX I have a record of 99 % ; paid on time .for XXXX  years A late payment is reflected on credit bureaus I have copy of the check sent on time by XXXX XXXX XXXX I have a letter from XXXX XXXX  stating the account was paid in full no late payment. I need XXXX auto loan to correct the information of a late payment I was never late I demand from XXXX XXXX to report to all credit bureau this correction as soon as possible is affecting my credit report potentially negative
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. I have not applied for any credit or services from the creditor listed above and did not authorize any hard inquiries on my credit report. This inquiry is inaccurate and has a negative impact on my credit score.
Consumer complaint received 2020-03-26
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. (PA)

I was looking at my credit report on XX/XX/2020 where I had noticed inaccurate Information. They are saying a company XXXX XXXX who I am not aware who they are. They are giving me hard inquires on XX/XX/2020 and XX/XX/2020. They are saying I got a loan from the. This totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Consumer complaint received 2020-04-04
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. (FL)

Experian and XXXX  are reporting Delinquent, in collections, late, and Derogatory statements on my credit bureau report. I have called the Department of education several times and have been told that they have provided the credit bureaus information to remove this wrong information since XXXX. My student loans are not in default or late. On XXXX XXXX I spoke to XXXX a supervisor at Department of education and was told they are not reporting anything negative to the credit bureaus. On XX/XX/XXXX I called XXXX spoke to supervisor XXXX and explained to her that I also needed them to send me an letter stating I am not in default, and they are no longer servicing my loans. I was told that the letter would be emailed to me, she verified my email address, and of XXXX XXXX I still have nothing from XXXX. I was told by Nel-net that they have not reporting anything to the credit bureau since XX/XX/XXXX. I am attaching the letter that I received from the Department of education
Consumer complaint received 2020-04-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a dispute to TRANSUNION regarding accounts that is not mine and it has been more than 60 days and no response from them. TransUnion disregarded the law by not responding to consumers disputes.