davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (TN)

National Collegiate Trust has sold a student loan ( s ) in my name and has not notified me. Prior to being sold National Collegiate Trust would not work with me on a reasonable and affordable repayment plan and on 3 occasions, rejected my offer of payment due to the amount being too low. This organization is unethical and needs to be investigated.
Consumer complaint received 2022-07-05
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: DISCOVER BANK (OH)

I noticed that discover was reporting an account that i did not open. Upon calling they were not able to assist me as the account was from 2016. Additionally, they told me that they could not help with the correction information to my credit report as they do not delete information. I would like for them to review this information and remove it from my credit report as it is not mine. I have never had an account with them and did not give anyone authorization to use my personal information to obtain a credit card from them.
Consumer complaint received 2022-02-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pacific Credit Exchange Corporation (CA)

Hello, amount in dispute : XXXX $ In XXXX, I bought a car and a loan from XXXX XXXX  based in California. 
in the spring of XXXX, the car got repossessed after a month delay to pay as I was abroad. 
I had moved from the place where I was staying when I bought the car. 
soon, in XX/XX/XXXX, the company went to court. 
Case notifications were sent to a wrong address ( former address ). 
on XX/XX/XXXX, a default judgement was entered. 
in XX/XX/XXXX, the police came to look for me at my new address and was told to go to court. 
when I went to court on XX/XX/XXXX, I was examined and was released. I insisted that I was not served. 
after that, XXXX XXXX  went quiet for 2 years. 
in XXXX, XXXX XXXX  again filed an order of examination, it was sent to a wrong address again, an arrest warrant was issued again. the police found me to the right address again. 
I went to court, I repeated my claim of not receiving any notification. I was let go home. 
on XX/XX/XXXX, Pacific Credit exchange was assigned of the collection of the debt. 
in XXXX XXXX, Pacific Credit Exchange posted on my credit report. 
I never received a notification or there is no indication that they even tried to reach out to me. 
once I realize this, I went to court to have the motion to vacate of the judgement but it was too late as the judge claimed. 
however, I was misled as even the two times I went to court I was only interviewed and responded that I did not receive notification. I have shown proof to courts that I had moved long before the case was filed, but they argue on the statute of limitation to appeal. 
since the credit reporting from Pacific credit exchange was posted I have suffered negatively. 
I am a small business own, I can get credit I can't get travel credit ( my sister got married and her kids could not travel due to this ) I can't get my speaking gigs as I used to be I have sent a letter to both these companies but since my motion was denied, no cooperation. 
all I am asking to get the record be removed since I was not notified and even if the notice was sent, it was sent to a wrong address as evidenced in the court records pacific credit exchange provided ( it had my old address ).

note : I believe it is a deliberate effort because I have been arrested ( 2 warrants ) and was at the same address. even, when I came to court, I provided my correct address. 
I have not refused to pay except that we are still in courts. 

why would they post on my credit report? 
thank you.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$280.00} XX/XX/XXXX XXXX  XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$51.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (AR)

I commonly get phone calls from " XXXX at Discover '' wanting to reach me before time is up to lower my credit card debt. I have a credit card, but have never had any affiliations with Discover
Consumer complaint received 2019-06-17
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. (MD)

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply fo..Remove XXXX XXXX
Consumer complaint received 2019-08-01
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)

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap .. XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX/XXXX ( reported twice and this one is reported for collection which is definitely false ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF ED/XXXX ( account reported as closed Chapter XXXX bankruptcy - this is incorrect, XXXX account is in deferment and not for bankruptcy because I did not file this for bankruptcy, and account reported 10 times ), XXXX XXXX XXXX I ( ORIG CREDITOR : XXXX UNIVERSITY ), XXXX XXXX, XXXX/XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX   ( ORIG CREDITOR : XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-08-01
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. (GA)

The following accounts were on my credit report as Charge off with balance : XXXX XXXX - XXXX, the payment history of late payments are completely inaccurate, and lacking. Date of last activity is not correct. Please remove this account from my credit report
Consumer complaint received 2022-02-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX / XXXX / {$17000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-07-05
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. (OH)

I noticed that XXXX  was reporting an account that i did not open. Upon calling they were not able to assist me as the account was from 2016. Additionally, they told me that they could not help with the correction information to my credit report as they do not delete information. I would like for them to review this information and remove it from my credit report as it is not mine. I have never had an account with them and did not give anyone authorization to use my personal information to obtain a credit card from them.
Consumer complaint received 2016-07-21
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP (MS)

Received AAG announcement in the mail on XXXX XXXX 2016 of a new " Home Equity Conversion Mortgage Loan ''. Only when I got to the small print at the bottom did I see that it is a " reverse mortgage. ''
Consumer complaint received 2018-09-10
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: Experian Information Solutions Inc. (TX)

I have submitted multiple letters to Experian requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from Experian providing the proper validation of the debt.
Consumer complaint received 2022-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (PA)

LAST WARNING BEFORE LEGAL ACTION. Wells Fargo 's response to last complain ( case # XXXX ) DID NOT address my attachment so I am submitting it again. 

Please see my UCC Filing Search Results Report RE-ATTACHED from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has been contacting me multiple times a day since XX/XX/XXXX regarding a debt owed by my former college roommate. I have clearly expressed this is not my debt and that I am not on the account and no longer in touch with this person. They have now resorted to calling from different numbers each time in an effort to continue to harrass me.
Consumer complaint received 2019-04-15
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)

It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to damages.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Account opened : XXXX XXXX, XXXX ( 1 yrs, 4 mos ) Amount Due : {$580.00} Credit Limit : {$500.00} Credit Use : 117 % Account Closed : XX/XX/XXXX I have a Capital One Platinum credit card where I make XXXX dollars minimum payment. I recently have gone through hardship due to one of my family members dying and losing my job. I'm also having problems making a few payments.
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: OneMain Finance Corporation (NJ)

I try to resolve this issue with this company name Onemain They try to collect {$2800.00}, i ask for a more details and the costumer service was so agresive and rude it threat that my life is done that they will destry my whole life and on main time we on the phone he was in contact with a Sheriff s Dep to come and arrest me if i do not set up payments with them is like a night mirror time with this company
Consumer complaint received 2018-07-03
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: Credit Karma (MD)

I made a dispute with credit karma regarding XXXX XXXX, a third party creditor that is reporting incorrect information and also with XXXX XXXX XXXX that is being reported as included in bankruptcy. 



This claim was made in XX/XX/XXXX, since this time XXXX XXXX has been under investigation with XXXX XXXX for over 3 months and then today, XX/XX/XXXX received response that the information is accurate. This is totally false and hindering my credit. I provided a ledger from XXXX XXXX Hospital to XXXX XXXX showing I did not owe any money to this 3rd party creditor, ( XXXX XXXX ). This information is being inaccurately reported.
Consumer complaint received 2022-02-11
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: CITIBANK, N.A. (MN)

i was told i would get a call back for the XXXX department within 24 to 48 hours the 48 hours ends today at XXXX XXXX when that office closes. i called at XXXX got agent XXXX XXXX then transferred to XXXX in OH who transferred me to a supervisor XXXX  in AZ who sent me to XXXX department XXXX in TN but she stated my anyalist XXXX in the XXXX XXXX SD office , who to find out is not in the office and i told XXXX then to find someone else to handle this. So now i do not know if XXXX is really from the XXXX department like agent XXXX told me she was. i told XXXX i already waited the 24 to 48 hours and i needed the call back today before XXXX. XXXX stated all she can do is send an email and tell me to wait 24 to 48 hours again. i told her no i need the call today like i was told i would get and i am not waiting another 24 to 48 hours. XXXX told me we are not getting anywhere and she hung up on me. this company needs to be shut down, fined and i want compensation for my time, stress and all the false promises this company has done to me, however they had no issues taking my money.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$280.00} XX/XX/XXXX XXXX  XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX {$4400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$51.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-02
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. (CA)

Equifax SEE ATTACHED XX/XX/2022 and on going dispute XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Public Record ) Again registered letter over 30 days ago submitted legal documentation PROVING responses/verified a lye of error requesting immediate removal damages have been done to higher court these in question do not meet the reporting act
Consumer complaint received 2022-02-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (FL)

This complaint is about Axos bank I filed to liquidate my investment account with Axos bank and send the cash proceeds to me on XX/XX/2022. I was told this would be done within 5 to 7 business days. Ive called them four times now and they keep telling me itll be one or two days. I called them originally on the XXXX of XXXX, then on the XXXX XXXX XXXX, the XXXX XXXX XXXX and lastly on the XXXX. They told me the money is just sitting there and theres no reason why it cant be transferred. 
Since it has been a such a hassle with his bank I put in a transfer of all my funds in my savings account. To date theyve only send a portion of it and not the full amount. The portion that was sent was received by my bank on the XXXX. Why didnt they send the full amount.
Consumer complaint received 2022-12-02
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. (TX)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX  CO XXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2022-07-05
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX, per Capital One letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries are still reported on my credit reports. 

Fraudulent Credit Inquiries from the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.