davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX a suspicious charge was made on my XXXX XXXX XXXX XXXX XXXX XXXX Master Card for {$1500.00} at the XXXX XXXX XXXX Store in XXXX XXXX Florida. I was contacted by Barclays Bank that services this card as to whether this was my purchase and replied no, I am on XXXX XXXX, NY where I live and this is not a valid charge and my card is in my possession. Barclays Bank suspended my account and then investigated the purchase and on XX/XX/XXXX sent me a letter claiming that this activity was valid and reinstated the {$1500.00} charge to my account. Since then I have made numerous phone calls disputing this with Barclays Bank an not getting any resolution. I have filed police reports and reached out to the XXXX store to get surveillance tapes but the police needs to request this. So I am at a loss and do not know what else to do.
Consumer complaint received 2019-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (AZ)

Upon reviewing my credit report on XXXX  's website I notice that there was a charge of XXXX posted by EOS CCA collection referencing XXXX internet company - XXXX, az XXXX. I called XXXX and talked to several representatives concerning this charge and each time they stated that not only do they not have a record of this charge but they also have no record of me anywhere in their databases. I open up several disputes with XXXX stating that this entry is not correct and needs to be removed immediately. Each time XXXX responded with entry being valid and nothing else. The last disputed response from XXXX was the following : EOS CCA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation Information 1. there is no details, no explanation.

2. No entry as to how the entry was certified.

3. The account and the account number mention on this account is not recognized by XXXX. 
4. XXXX stated that if I had any type of account/business with them from the past then I would be found somewhere in their database - Nothing was found.

5. XXXX  only allows one dispute entry.

This is a false entry on my credit report that needs to be remove immediately and yet, XXXX refuses to do so.
Consumer complaint received 2021-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Fed. Loan Servicing has refused to update my eligible payments to the Public Service Forgiveness Plan. I have called them multiple times about fixing this this problem. They keep saying that they are working on it, and sent me an email saying that they are trying to verify if my school qualifies. Obviously my school qualifies because it is a state school, so verifying this should take no more than 5 minutes. The problem is that I sent this information in XXXX of XXXX, and now it is XXXX of XXXX, It doesn't take 5 months to verify if a school qualifies for eligible payments. In addition, on their website it says they need more information from the government before granting anyone a limited waiver exemptions. However, it was very clear in the language in the media who qualifies for this waiver, which is all people who have direct loans. It's like Fed. Loan Serving is not serving loans anymore after this year. So, they are not making any effort on helping anyone. I want eligible payments updated ASAP, because I should not have to make any more payments. But, because they refuse to update their system I am unsure where I stand. Five months is a very long time to verify a school that could be done immediately. The fact is that they are still under contract and getting paid to help borrowers, so I would like my account updated. In the past, they denied eligible payments that other servicers deemed eligible payments. This is unethical, and unnecessary. At this point, I just want my account updated with eligible payments posted and late payments counted as eligible payments under the limited waiver rule. Please help!
Consumer complaint received 2024-02-27
Product: Credit reporting 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'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 2021-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Franklin Collection Service, Inc. (SC)

I called Franklin Collections on XX/XX/2021 about a dispute and the representative failed to state the FDCPA. I called to inquire about having a debt removed once paid and at this point since she violated I shouldn't be held responsible for it
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Lendmark Financial Services (WV)

I bought the 2003 XXXX truck on XX/XX/XXXX. It immediately had to go to a shop for squealing noises that the dealer said he would fix but did not. I had to get the bearings replaced. The very next week the radiator blew out and my husband had to fix it himself so we weren't stranded. We took it back to the dealer to fix and he kept it for three weeks. After he gave it back with the steering wheel upside down, we found out that he never told the shop what was wrong with it and they obviously didnt drive it or they would have known the engine was gone. We were told that the coil packs were changed and another part was fixed. We never saw anything like a receipt or proof of what was said was done. A day after we got the car back it started acting up again. Doing the same thing it was doing when we gave it to him. We took it back yo him and he told us that he couldn't keep taking loses and said he wasn't fixing it. Due to the fact that it is our only car we took it to a mechanic to see if we could get it fixed ourselves. We were told that we needed a new motor because two cylinders are gone as well as a new power steering pump because it broke due to the work that had been done to it. My husband and I are low income and don't have XXXX dollars for a new engine and XXXX for the car loan at the same time. The dealer knew he sold us a lemon and when it came time to make good on the warranty, he kept it to run the clock out and dump us to the curb stuck with a car thats no good. He took our trade in said the price was one thing and then it was different when we signed the papers. My husband lost his job and we are suffering health wise from the fumes that are burning off the busted engine. We have no other transportation so even my children are forced to ride in the car putting their health at risk as well. My husband cant seek gainful employment due to not having a reliable car. He is severely limited in jib selection which is further hindering our family.
Consumer complaint received 2021-10-12
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. (DC)

I have reported multiple times to all Credit Reporting Companies ( Equifax, XXXX, and XXXX ) that XX/XX/XXXX Account # XXXX has me late 60 days XX/XX/XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.
Consumer complaint received 2021-10-12
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. (DC)

I have reported multiple times to all Credit Reporting Companies ( XXXX, Experian, and XXXX ) that XXXX  Account # XXXX has me late 60 days XX/XX/XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2023-03-07
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. (LA)

When I investigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to authenticate this account. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$12000.00}
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NY)

The payment was made in full as agreed, and the service was cancelled after agreement was fulfilled. Called the debt collector company, super unprofessional, on top of that making threats and harassment phone calls. 

As for the proof of debt, failed to provide.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Equifax has my current address listed as a previous address, while a former address from 6 years ago is listed as my current. Equifax is the only company with this issue. They have 2 reports listed and neither one of them have the address they have listed as my current. I have tried more than 10 times to dispute online. However, it always fails. I have attempted calling and I am told I need to mail them a copy of my drivers license and social security card. It is 2021 and a company that profits off of my personal information is not capable of updating my address without exposing me to potential identity theft? This has led me to being denied credit. I have also provided multiple responses identifying who I am over the phone including SSN, birthday, current ( real ) address, which again is reported by the other 2 credit reporting agencies. They can update everything except my address. This has become ridiculous.
Consumer complaint received 2021-01-07
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)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Consumer complaint received 2021-10-12
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: ALLY FINANCIAL INC. (LA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed on my latest credit report that I have quite a few fraudulent unauthorized inquiries listed for the following : XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX, XXXX  Inquiry : XXXX XXXX, XXXX, XXXXInquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX - XXXX Inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX and XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX I asked that Transunion investigate these fraudulent inquires and remove them from my credit report immediately,
Consumer complaint received 2023-02-09
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. (GA)

XX/XX/XXXX Equifax removed XXXX XXXX # XXXX from my credit report due to a dispute I filed proving I am not the owner of this account. This account belongs to someone with a totally different middle and last name. I provided sufficient identicication proof that the XXXX XXXX account is a mistake due to credit file merging. 

on XX/XX/XXXX XXXX XXXX # XXXX was added back to my Equifax credit report along with the name of the owner of the account in question. 

Proof of Equifax Dispute and Police report attached.
Consumer complaint received 2021-10-11
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 have informed you that I did not give anyone the right to open nor list these accounts on my report. As the consumer I informed each company that I didn't authorize any of this over 90 days ago and yet I am still being violated. I don't want to seek the fine related to this violation of my right but I will if need be.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (IL)

I asked XXXX to transfer my money from XXXX XXXX account to Goldman Sachs USA in the amount of XXXX and instead they stole the XXXX, them pulled negative XXXX then reversed the negative XXXX in their system without ever giving it back to the external account thereby leaving it negative.
Consumer complaint received 2022-10-09
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. (AZ)

These inquiries are fraudulent and I didnt give permission for these companies to run my credit. I called and asked for signature disclosures for these companies. These companies couldnt provide me disclosures that I have to sign before running my credit for permission to run my credit. This is defamation of character as I already have a car and they keep running my credit for car approvals.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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.