davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
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. (FL)

I discovered today that there were multiple fraudulent hard inquiries on my credit reports. This is the second time this has happened, previously near the end of last year, someone successfully applied for a credit card in my name from XXXX  XXXX XXXX, and they also attempted to submit a forward address request with the USPS. I contacted both services and submitted complaint reports, XXXX  XXXX XXXX canceled the card ; however, USPS was not able to provide any useful information regarding the change of address request and was only able to cancel the request. So I do not know who where they were trying to forward the stolen card.

TODAY, I discovered 2 hard inquiries on my XXXX report from XXXX XXXX and XXXX XXXX XXXX, made on XX/XX/XXXX and XX/XX/XXXX respectively. These are also fraudulent, I attempted contact with the banks but they are closed on the weekend. I made contact with XXXX to verify the information and remove old information, I also placed a freeze on my credit with them. They said they can not dispute the hard inquiries from their side and I need to submit a report with the FTC, but I will be unable to report to local authorities due to not knowing the jurisdiction where they fraud attempt took place. 

On my XXXX report, I discovered another fraudulent hard inquiry from XXXX XXXX XXXX  made on XX/XX/XXXX. They were also closed over the weekend and I am unable to currently get in contact with them. I contacted XXXX, disputed the report and froze my credit with them. 

I attempted to access my Experian report, but I was unable to make an account. It appears the scammer made a fake account with Experian under my name, as they used an old email and I discovered an email in my inbox welcoming me to Experian. I am unable to make another account and I can not change the password of this fraud account because I do not know the answers to the fake security questions and having email access is not enough. My email is already on double verification, so no outside access has entered my email. I attempted to contact Experian, but they have nobody answering any lines over the weekend. 

I need a case number reference this incident and I also would like to list a complaint that Experian has zero weekend support while the other two Bureaus at least have customer service. 

My direct email is XXXX and my phone number is XXXX. The scammers are using an old address out of XXXX, when I was stationed in the XXXX, and any help handling this situation would be greatly appreciated.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (FL)

National Credit Adjusters , LLC XXXX XXXX XXXXXXXX XXXX, KS XXXX Has been paid for the following accounts : XXXX and XXXX. 

Consumer paid Collection agency in settlement via their website for above mentioned accounts. Per National Credit Adjusters Website, they will delete trade line from consumer credit report supposedly. Account XXXX is still not deleted from consumer report even after payment. It doesnt take NCA 60+ days to report negative tradeline on consumer credit report to all XXXX major credit bureaus, it doesnt take them that long to remove it. Per NCA website : After Your Account is Paid For those accounts that NCA credit-reports, our policy is that 60-90 days after the account is satisfied, we request that the credit bureaus delete our tradeline. Before then, you may notice a paid-in-full status 30-45 days after its paid via XXXX is their policy. This settles the matters in NCA office and they are dismissed. NCA has been notified via emails sent XX/XX/24 and XX/XX/24. Consumer disputes debts officially reported on Credit reports, there is no reason it takes that long for NCA to remove a derogatory tradeline. 

NCA is still reporting false debt on consumers credit report.
Consumer complaint received 2017-05-17
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. (MD)

For almost an entire year, I 've been trying to work with Experian to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Experian is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX    from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Experian because this is not the information I receive when I contact these companies individually. For months, Experian has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc. (MS)

XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/2022 This account has been disputed several times due to identity theft. The collections agencies continue to resale this debt for collection activities and I have provide the police report in regards to my personal information being used.
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (FL)

Us auto sales went out of business and west lake portfolio took over the loans. I've paid off one of my vehicles and west lake says I still owe XXXX on it after I paid it off before us auto sales went out of business.. then I have another vehicle from us auto sales and I've paid XXXX  payments and west lake says I haven't made one payment and they say I owe XXXX XXXX So in my mind I just waisted over XXXX and I don't know what to do
Consumer complaint received 2024-02-05
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yes Online Inc (IL)

I am an XXXX XXXX XXXX XXXX. I was in XXXX for a training rotation and went to the cell service provider on base in XX/XX/2021 ( XXXX  ). I was going to buy a SIM card but was informed that it would not work in XXXX. I did not continue with the transaction. Some months later ( XXXX XXXX ) I noticed a debt collection on my credit report. I was never contact by XXXX  prior to this. I reached out to the company listed on the collection. They sent me an invoice. I asked for proof of the debt. They sent me the same invoice again. I reached out to XXXX to see if they had a contract. I never signed a service contract, just an agreement that I understood the terms and conditions.
Consumer complaint received 2024-02-05
Product: Credit reporting 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. (IL)

After recently reviewing my credit reports. from the following credit reporting agencies Equifax, XXXX, and XXXX I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.This is a violation of my rights as consumer as well as identity theft.according to The Privacy Act of XXXX prevents federal agencies from releasing records that contain personally identifiable information without the individual 's written consent. and 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
And i did not give any written consent XXXX XXXX ; inquiry date ; XX/XX/XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX This is a violation of the privacy act of XXXX as well as my rights as a consumer
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I have been requesting that Toyota Financial Services provides me with a formal breakdown of the original contract, including the fees and why insurance and my down payment was not included within the financing as the law states as per USC 1605 " sum of all charges '' and # XXXX : states " premium or other charge ... or insurance protecting the creditor ... '' I was asking for them to verify that my loan was written correctly, but they never responded to any affidavits, dispute letters, or motions. I have tried for over a year now to confirm this contract is valid. Toyota has ignored all requests. They have now stolen my vehicle in which I only owe about $ XXXX on but stopped making payments when they refused to provide me with proof of a valid contract. They are going to sell my vehicle on XX/XX/23, and I need them to allow me to defend myself before a judge but they wont even let me do that. They are themselves finding me guilty without a judgement in place. I never wanted to not pay, I just wanted TFS to verify the contract/loan was correct. I have numerous written communications that are all notarized and certified/signed for mailed as proof of my attempts to get this information. I was always willing to make the payments once they verified the loan. I am still asking for verification, but they took my vehicle.
Consumer complaint received 2017-05-17
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: Experian Information Solutions Inc. (FL)

My information was compromised, someone applied for multiple credit but none of the application were approved as I had an alert on my SS #. Although they were unable to open any accounts the inquiries still show up on my credit reports. I have attempted several times within the last year and a half to dispute and have an investigation done but I have never gotten a response. The latest dispute was submitted  XX/XX/2017    and still I have no response.
Consumer complaint received 2024-02-05
Product: Credit reporting 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. (AL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I use to have a joint account thru XXXX  in Colorado back in 2017 and I closed at least my side of the account. I lost all contact with my ex partner and I didn't receive any notices from the bank. I never got any reports or notices that I can recall but I also thought that because I closed my account side I owed anything at all. The bank doesn't have my information and I don't have access to any accounts since 2017 but suddenly in my credit statements I've seen that the account I thought closed had pick up some kind of interest and it's been negatively impacting my credit ever since 2017 while it appears to me as no debt collection active and nothing owed both thru XXXX or Equifax. If I would have been aware of all this behind the scenes I would have taken proper action but now the amount owed is high and all the work I've put into having a good credit score seems to be null.
Consumer complaint received 2017-05-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (IN)

GLA has been trying to collect on  XXXX  accounts from  XXXX   XXXX  that I do not owe.  XXXX  account was for {$100.00}  (  which was a   XXXX   XXXX   that my insurance covered ). The  XXXX  balance was also covered under insurance, but I also made an agreement that in exchange for the check they sent they would delete the {$34.00} balance from my credit reports and show that it was paid in full.
Consumer complaint received 2023-08-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

XX/XX/XXXX : I took out student loans to attend XXXX XXXX in XXXX  XXXX, CO. I was told they were Federal Student Loans ( FSL ) & were eligible for any and all protections/services as they were FSLs. The servicer was XXXX XXXX. 
XX/XX/XXXX I filed XXXX  XXXX bankruptcy ( XXXX District of XXXX  ) and the student loans were included in the bankruptcy proceeding. The student loans were transferred from XXXX XXXX to XXXX and updated to reflect the bankruptcy claim XX/XX/XXXX ( see attached student loan data from studentaid.gov with a breakdown of 3 FFEL student loans that were serviced by XXXX XXXX, transferred to XXXX, and included in bankruptcy. 
XX/XX/XXXX I received a bankruptcy discharge. XX/XX/XXXX the FFEL loans were put into repayment by the servicer. When I contacted them by phone, they stated that student loans are not dischargeable in bankruptcy & I was required to pay on the student loans. From XX/XX/XXXX through XX/XX/XXXX, I was unable to pay and these loans were in deferment or forbearance. I began repayment, despite the bankruptcy discharge more than 3 years prior. I continued to pay several years. In XX/XX/XXXX, there was a payment & interest pause announced to assist student loan borrowers during the Covid emergency. When I contacted Navient, I was told that my loans do not qualify for payment pause and interest would continue to accrue. Despite multiple lawsuits against Navient and XXXX XXXX, I somehow was unable to get relief from the predatory loans, serviced by predatory lenders, practicing illegal collection activities of duly XXXX loans, for a school that was shut down due to their illegal, deceptive, and fraudulent practices. I inquired with Navient countless times about relief that was being granted to borrowers who were defrauded by XXXX XXXX and Navient. Every single time, Navient told me that I did not qualify for any relief and I was still obligated to pay. 
The FFEL loans were paid off in XXXX. These loans that should not have ever been collected on. The federal government is now discharging and refunding borrowers who are in my exact situation, however, I never seem to qualify for any of the discharges, refunds, or other relief provided to those in my situation. I filed a borrower defense claim XX/XX/XXXX ( application # XXXX ) and am a post-class member of the Sweet v. Cardona case. Additionally, I was advised my loans *should* be part of Manriquez v. Cardona . 
Despite all of the steps I have taken to obtain relief from Navient and XXXX XXXX, I was forced to pay thousands of dollars for student loans that were discharged in bankruptcy, part of multiple class action lawsuits, to servicers who were sued by multiple government agencies. 

https : //www.consumerfinance.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Double paid the balance of my credit card twice due to an issue with their mobile application. I was now in a large negative balance on the card, so I called Bank of Americas customer support to have one of the payments returned to my checking account, but was told they would submit the request and it would take 10 days for a decision to be made. I waited and never heard anything, no communication was received back from the bank. I called again and was told I would like one of the payments that was processed in error returned to me. Again I was told they would submit my request and it would take 10 days for a decision to be made. I asked for a manager to speak with me, and was told one would call. Again I have waited and no further communication was received. No call no customer survey email nothing. I have now called the bank three times and get the same treatment. I feel like Im just being given a canned response and then ignored by the bank. They are holding my money hostage and wont return it.
Consumer complaint received 2023-06-14
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. (CA)

Delete accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report as I am I victim of identity theft.
Consumer complaint received 2023-08-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

Naviet Private Student loans, i thought the debt would ne discharged in Bankruptcy ive filed XXXX, and XXXX. The school that I use this private loan with is XXXX  XXXX XXXX and XXXX XXXX XXXX. I was trying to remove Co signor, the service wouldnt remove them with several consistent payments as they promised. The made it difficult, they've combined my loans and extended payment. It appears as they increased in interest with the forbearance, which they stated i was not eligible before during my loans because I've exhausted. Thats why Ive had to file for bankruptcy in the past because I didnt want to default on my private loans.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have contacted Experian several times via phone. I have submitted disputes. They refuse to remove addresses that do not belong to me. My only address is XXXX XXXX XXXX XXXX XXXX XXXX. I would like for them to remove XXXX XXXX XXXX XXXX XXXX XXXX. I also want them to delete XXXX XXXX XXXX XXXX XXXX XXXX. I have made them aware that I am worried about identity theft. Reporting addresses that are not mine is not only illegal, but it causes mail to be sent to people that are not me. Exposing me to identity theft at the fault of Experian. According to 15 U.S. Code 1681s2 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. Experian KNOWS they are reporting incorrect addresses because I told them multiple times, in multiple ways. I uploaded proof of my current address ( utility bill and bank statement ) to the Experian Dispute Center. To remedy this matter, I would like Experian Information Solutions Inc. to remove these 2 erroneous addresses immediately. Thank you.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received my credit report XX/XX/XXXX and I noticed some more inquiries that do not have permissible purpose supposed to be on there. Ive contacted the credit bureaus, and the issue is still not getting resolved and they keep violating my rights under 15usc 1681 b, I also attached the hard inquiries that do not suppose to be on my credit report