davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account AMERICAN HONDA FINANCE is reporting 30 days late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-10-30
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. (TX)

XXXX continue to report inaccurate slanderous negative payment information concerning the student loans Ive paid off. From the loans in years XXXX. 

I was in school till XXXX  and while a student is enrolled loan payments are differed until after they graduate. The late payments and derogatory statements being reported are false, misleading and slanderous.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (OR)

On XX/XX/2022, I had my phone and the contents of my wallet stolen. The people who stole my phone opened up an Apple Card, serviced by Goldman Sachs, in my name as they also had access to my social security number from an old tax return they found in my email. I informed Goldman Sachs of this upon becoming aware, which was during the week of XX/XX/2022. Goldman Sachs claimed to close the account when I provided them this notice. 

However, Goldman Sachs is claiming I owe them XXXX dollars, which is now showing up as a delinquent account on my credit report. It has caused significant damage to my credit, yet they've done nothing to rectify the situation.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc. (TN)

I was first contacted by Diversified Adjustment Service , Inc. on XX/XX/XXXX by email concerning an alleged debt owed to telecommunications company XXXX for {$25.00}. I responded to them by XXXX mail and email on XX/XX/XXXX asking for validation pursuant to FDCPA. I wanted to know why they thought I owed this amount and was legally obligated to pay it. They responded on XX/XX/XXXX with an " XXXXtemized Statement '' that simply listed an " Unpaid Balance '' of {$25.00}. I responded to them on XX/XX/XXXX, again via XXXX mail and email, and stated their response was insufficient. I again asked for validation pursuant to FDCPA and further explained that I paid my account with XXXX in full on XX/XX/XXXX so there was no reason for them to send a bill on XX/XX/XXXX stating an " Unpaid Balance ''. Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA I demanded they provide me with competent evidence that I am indeed the party that owes the debt and that I have any contractual obligation that is binding on me to pay this alleged debt. Per the FDCPA, I also asked them for the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Proof that, as you stated in your in email to me, that I gave you permission to contact me via email. 
Proof that your agency is licensed to conduct business in the state of Tennessee.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

They responded to my letter on XX/XX/XXXX with yet another " Itemized Statement '' and none of the information I have repeatedly asked for. They also continue to harass me by telephone even though I asked them not to. I sent them another letter today, XX/XX/XXXX asking them once again to send me the information that I have asked for and to stop contacting me by telephone. I also informed them that I would be filing this complaint. I am attaching copies of all of the correspondence with them to this complaint. 
Thank you, XXXX XXXX
Consumer complaint received 2021-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc. (IL)

long story short at one point I was financial problems to keep up with my loan. there are late payments shown on my credit report. I had XXXX left to pay on my loan. I paid it all off and asked since I am paying my entire loan amount up front can we remove the late payments from all credit reporting agencies they have retorted too. they said no. I said please remove the negative feedback as I am paying my loan off entirely. They are not willing to work with me. the whole point for this is because I was trying to refinance my home. and this is what is messing everything up. because it shows on my credit reports. Can you help me please.
Consumer complaint received 2021-10-21
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: Experian Information Solutions Inc. (PA)

I have contacted XXXX about a bankruptcy that is reporting on my credit. I contacted the US Bankruptcy Court and was informed that they do not provide information to credit reporting agencies nor do they validate and/or confirm public records. A letter was mailed to XXXX on XX/XX/2021 asking them to remove the bankruptcy and they sent a letter back refusing to remove it.
Consumer complaint received 2021-10-21
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. (PA)

I have contacted XXXX about a bankruptcy that is reporting on my credit. I contacted the US Bankruptcy Court and was informed that they do not provide information to credit reporting agencies nor do they validate and/or confirm public records. A letter was mailed to XXXX on XX/XX/2021 asking them to remove the bankruptcy and they sent a letter back refusing to remove it.
Consumer complaint received 2019-09-23
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. (GA)

XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Consumer complaint received 2022-12-12
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. (WY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (NY)

Global Lending Services violated multiple laws pursuant to the Truth In Lending Act and the Fair Debt Collection Practices act as shown by attachments. I am holding Global Lending Services liable for unfair lending tactics and unauthorized use of my social security card. The term unauthorized use, as used insection 1643 of title 15, means a use of a '' credit card '' by apersonother than thecardholderwho does not have actual, implied, or apparent authority for such use and from which thecardholderreceives no benefit. The definition of credit card under 15 U.S. Code 1602 ( I ) means, any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card used to originate this consumer credit transaction is my social security card.
Consumer complaint received 2021-10-21
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: Experian Information Solutions Inc. (OH)

I have sent several letters to Experian in regards to inaccurate and unauthorized accounts being reported on my credit report. They were not give permissible permission to report these invalid accounts and I demand these accounts to be removed due to improper and false reporting of accounts that i did not authorize.
Consumer complaint received 2022-10-30
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. (DE)

Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have contacted the company about this and they have done nothing to help me! in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX please validate that this debt belongs to me and please show me the original contract.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-30
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. (TX)

XXXX  continue to report inaccurate slanderous negative payment information concerning the student loans Ive paid off. From the loans in years XXXX. 

I was in school till XXXX and while a student is enrolled loan payments are differed until after they graduate. The late payments and derogatory statements being reported are false, misleading and slanderous.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2021-10-21
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. (FL)

I was turned down for an XXXX  card on XX/XX/XXXX because the experian report showed too many new cards. It is unclear if the customer service rep from XXXX  was referring to the amount of hard pulls or too many new accounts. I'm nearly certain they were talking about new accounts, but this doesn't change anything. 

I had three new cards added to my experian report on XX/XX/XXXX ( 2 years and 4 days before the new XXXX  application ). 

All three of these cards should have been removed from my report after two years per writing on the Experian website. However, these three cards were the reason I was rejected. 

The report used by XXXX  was stale information. Stale information is wrong information. My personal finances shouldn't be at the whim of this large incompetent entity unless they are willing to resolve these mistakes without additional hard pulls and wasted time. 

An Experian representative said over the phone they removed them after 2 years and 30 days. This is not consistent with their own website. 

Looking at my Experian report specifically ( not some made up conglomerate report ) through XXXX XXXX showed those three cards on the report as late as the XXXX XXXX ( 3 days after they should have been removed ). However, they were removed from that view of the report on the XXXX of XXXX.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Three checks issued to the same party were never received by the intended party though the funds were removed from my account. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted Capital One and was transferred to their fraud department in XXXX XXXX. The person had a very difficult time understanding my issue, but did send me a copy of the three canceled checks along with a letter denying my claim as they suggest there was no error. None of the checks are endorsed on the back so I called back and asked them how they could deny my claim when the checks were not endorsed. They informed me over the phone that they did refund the XX/XX/XXXX check to my account though they continue to send me claim denial letters for that date. I find it interesting that they held onto my money from the XX/XX/XXXX check until I called in XXXX and complained. On my fourth or fifth try with the XXXX XXXX team, I mentioned that I would file a complaint with the CFPB if I did not get resolution and they gave me the number for someone in the XXXX. I called on XX/XX/XXXX and spoke with a helpful person who indicated they would send my issue to the " back office '', but could not give me a time frame for resolution. As of today, I have not heard from anyone and do not understand why it is so difficult for them to recognize there is no endorsement on the back of the checks and never should have been cashed. I would like my money back so I can send it to the intended party.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

Someone stole my identity and completely erased my credit history. I need to know how to go about putting all my accounts back on my credit report with all 3 bureaus. Someone has opened a credit monitoring account in my name and is disputing accounts that are actually mine and having them removed form my reports.
Consumer complaint received 2023-07-13
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. (NJ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2021-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (NC)

I have 2 hard inquiries from Navy Federal Credit union one on XX/XX/2021, & one on XX/XX/2021 for a used vehicle loan. that wasn't me that applied for anything, those inquiries are affecting my credit. I would like you guys to get that company to remove them.
Consumer complaint received 2021-10-21
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: Experian Information Solutions Inc. (DE)

On two separate occasions i have repeatedly asked the credit bureau to verify the accounts to be named and send me proof of validity. They have not and only sent back as it is mine. These accounts do no belong to me and belongs to someone with my same name. The accounts are : XXXX XXXX XXXX # XXXX and XXXX # XXXX. 
The above mentioned accounts were removed and then placed back on my account. PLEASE HELP!
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I have given them all the prof of documents that paypal asked me XXXX XXXX and I have been able to transact properly within 48 days I have been using paypal but suddenly I received no longer business in my account with paypal last XXXX XXXX I don't know what I did wrong..I tried to talk to paypal but the auto bot keeps saying that my paypal can't be used, I hope it can be returned because I use it for my business, thank you very much Reference ID : XXXX
Consumer complaint received 2021-10-21
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. (GA)

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MN)

I had a Wells Fargo credit card that was close to the limit for a trip to XXXX for my sons wedding few years ago. Had auto pay with Well Fargo card services and never a late payment for years. Sold my house XX/XX/2021 and loan officer said pay off card to increase my score for new mortgage. Loan officer re pulled credit for upstate and WF reported a 30 day late for XX/XX/2021 and my FICO plumited down and I can not get a mortgage. Payment was not late however they reported me 30 day late on credit report. This loan was paid off in full on XX/XX/XXXX and I have proof and WF confirmed but wants me to dispute with the credit agencies any can take too long.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 602 A section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (MO)

Im filing this because the 3 major credit bureaus has ignored the fact that my identity has been compromised in which resulted in unauthorized accounts reporting on my credit files. Ive requested the name and title of the person or persons that conducted so called investigation prior to this official complaint. Im a victim but refused to be victimized by these 3 credit reporting agencies. Im demanding the immediate removal of the following accounts, or a signed individual contract with supposed businesses in which I have no business with, please remove. 

1 ) XXXX XXXX XXXX {$68.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) Dept of ED/ XXXX {$3900.00} 7 ) Dept of ED/ XXXX {$2700.00} 8 ) Dept of ED/ XXXX {$2700.00} 9 ) Dept of ED/ XXXX {$1900.00} 10 ) Dept of ED/ XXXX {$1700.00} 11 ) XXXXXXXX XXXX XXXX XXXX {$520.00} 12 XXXXXXXX XXXX XXXX XXXX  {$540.00}