davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Experian Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/XXXX, I submitted complaint XXXX. I am now filing a new complaint to follow up on the same matter given that Banana Republic Rewards MASTERCARD - BARCLAYS has NOT adjusted the OVERCHARGE. It sent a letter with an opaque and unsatisfactory explanation. A merchant charged and provided a receipt for a particular amount and Mastercard Barclays is charging {$280.00} in excess of such charge with no explanation. In addition, Mastercard Barclays is charging {$410.00} as an additional foreign transaction fee. The communication of such excessive charge is far from clear or evident in its credit card agreement. In Mastercard Barclays ' last letter dated XX/XX/XXXX, it provides a contact number should one have questions. I have called this number, and unfortunately no person answers. I have left messages and am awaiting a response. I fear that I will receive more of the same type of opaque response. I have been following up on this matter since XXXX XXXX, XXXX. The institution makes it very hard for a client to resolve a dispute. I can not help but ask what is its true intention! PLEASE HELP. Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly 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 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... I have also been affected by the XXXX data breach and believe it has gotten into the wrong hands.
Consumer complaint received 2022-05-13
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)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA XXXX XXXX payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$130.00} XXXX XXXX account. $ XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Account charged off.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian credit bureau lists a Bankruptcy on my credit report. Experian stated on my credit report that XXXX ( third party ) has verified the bankruptcy as being factual. I contacted The United States Bankruptcy Court Northern District of Illinois regarding the matter of the court verifying the information. I received a letter from the court that states : The bankruptcy court does NOT perform any activities with the credit bureaus. I must contact the individual credit bureaus for their procedure for removing the bankruptcy filing from their credit bureau. Experian or XXXX will not remove the account because the bankruptcy court hasnt verified the information.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TN)

I mailed a check on XX/XX/22 to pay my balance off on my Wyndham rewards card through Barclays Bank. On XX/XX/22, I started calling customer service because the payment had not posted. Between XXXX and XXXX I called multiple times and spoke to several phone reps and was told each time that the payment had never been received and to wait XXXX days more. I called my title company that held the escrow account the check was written out of and they stated the check had been cashed. They forwarded me a copy of the check that shows it was deposited Into their bank and had my account number HAND WRITTEN on the check. As of today, no action has been taken by Barclays Bank to rectify this issue. I have been given the run around and they have {$1800.00} of my money. I have made XXXX additional payments that I did not owe as well as paying additional interest I do not owe.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2022-10-19
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)

There has been XXXX separate attempts to remedy this issue with Equifax which have all gone unresolved. This is now the XXXX letter that I am submitting to the companies legal department as a demand to comply. They know that the items listed are inaccurate as each time they remove XXXX or XXXX of the items instead of removing them all. See attached letter dated XX/XX/2022 and letter dated XX/XX/2022.
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moss Law Firm, P.C. (TX)

I called attorney who filed judgement in court. Attorney says there no file here contact the company who hired us. 
I tried to contact company but it is no longer in business. I contacted attorney again and they said that theres nothing they can do.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MA)

Received letter from XXXX XXXX XXXX from a paypal debt of XXXX. This was identity theft. Money was returned after investigation by cc company. I went on and cancelled cc cards with paypal as requested by cc company. This debt was identify theft and already resolved a while back.
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (IL)

I XXXX XXXX XXXX would like to submit a complaint against XXXX Credit Reporting Agency and Equifax. After several attempts to solve the bankruptcies on my own with XXXX and Equifax. I am left with no choice to submit a complaint against you. 
I have proven that they are reporting bankruptcies that should not be on my report specifically bankruptcies case number XXXX, XXXX, and XXXX. 
I am submitting as I have with Equifax and XXXX Credit Reporting the following attachments proof of reason why the bankruptcies are being reported illegally and wrong. I have obtained documents from XXXX and United States Bankruptcy Court. I submitted these documents and XXXX and Equifax have still not removed or given a valid reason why they are reporting these bankruptcies cases on my report. Please help. 
Thank you
Consumer complaint received 2023-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for Purpose
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I placed a freeze on my report after suspicious activity. I have been trying to remove the freeze placed by transunion. 
They have been unresponsive. 
Unable to be reached or contacted for help by phone or email. 
Their voicemail system goes in circles and then hangs up on you. 
Their site has locked me out so I cant sign in. 
Im unable to remove the freeze. 
It has Been 4 weeks of this.

If you stay on hold for 2 days it disconnected. 
If you ask for a callback- they never call back.
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (OH)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2023-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I am eligible for loan forgiveness through the Public Service Loan Forgiveness program that grants student loan forgiveness at 120 qualifying payments. I have been submitting PSLF employment verification forms for many years. With the current changes to how payment credit is being given and with the waivers being given, I have over 140 months of verified employment and qualifying payments. However, Mohela is only giving me credit for 112 qualifying payments. For some reason mistakes on Mohela 's part that I have pointed out with customer service representatives on five or more occasions are not being corrected. 

Also, I am not getting credit for verified employment prior to the year 2011. I have inquired about this on XXXX or more occasions but have not been given an answer as to why this is the case. 

Because of these issue, I am not receiving loan forgiveness that I have a right to under the Public Service Loan Forgiveness program.
Consumer complaint received 2019-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

this company is in many section of the fcra including but not limited too 604 and 609 i dont owe this third party collector upon asking for validation they can not give any i have not done business with this company and it needs to be removed asap this is really affecting my financial future
Consumer complaint received 2022-12-14
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)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accountXXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$2900.00}, )XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} )XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), U S DEPT OF EDXXXX, ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. ()

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : 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 2022-05-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX have contacted XXXX Transuion, And XXXX reporting and sending proof that Im a victim of identity theft Including but not limited to a official filed police Report a Theft affidavit Copy of FCRA 605B making all consumer reporting agencies aware of the violations they may have coming their way if this is not cleared ASAP! 

XXXX failed to Remove the Fraudulent account XXXX XXXX Finance XXXX XXXX XXXX XXXX claim I did not provide a dl or identity theft report but I indeed did 3 -4 months ago XXXX have failed to protect my consumer rights and did not Remove those fraudulent accounts or fraudulent addresses below even after sending in a complete filed police report and proof of address and DL Also XXXX failed to make my credit report available to me XXXX XXXX XXXX XXXX  tx XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent address ) XXXX Did not Remove TRANSUION FAILED TO MAKE MY CREDIT REPORT AVAILABLE WHICH IS CONSIDERED a violation Im seeking for damages in federal court XXXX : Failed to make my personal credit report available as well as reporting inaccurate information on my credit report account listed below XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FAILED TO REMOVE THOSE FRAUDULENT ACCOUNTS AFTER ME SENDING A COMPLETE FILED POLICE REPORT AND THEFT AFFIDAVIT FOR THE FRAUD THAT OCCURED THESE ACCOUNTS NEED TO BE REMOVED ASAP AS IM NOT FILING A FEDERAL LAWSUIT AGAINST THESE COMPANIES AND WILL BE SEEKING FUNDS FOR FAILING TO PROTECT MY CONSUMER RIGHTS AND FOR THE VIOLATIONS THEY HAVE VIOLATED
Consumer complaint received 2020-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (MD)

I received an email from XXXX XXXX ( XXXX ) on XX/XX/2020, requesting that I change the address of the payee ( Sierra Pacific Mortgage ). 

After complying, my mortgage payments were being debited from my checking yet not received by payee. 

I believe this email from XXXX XXXX might be a phishing scam. This is now effecting my payment status and credit rating.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on CAINE WEINER XXXX Balance Owed : {$110.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-12-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (FL)

West lake financial services reporting account that is not mine on my credit report, trying to collect {$10000.00} from me, account has been opened since XXXX XXXX Account is not mine, never had an account with westlake financial services
Consumer complaint received 2020-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Found that the date until forgiveness is getting dragged out longer and longer. When I called on XXXX the rep said that it was because I went back to school and the payments were deferred it's starts the process over again. Never was I informed that the date of forgiveness would be pushed back 7 years if I went back to school for 2 years. She then tried to talk me into the public loan forgiveness which I have already been rejected from after working in child protective services for 11 years. I didn't have the " right '' loan to qualify, so why would you suggest that option. Because then I would have to consolidate my loans under another plan which starts the 25 years over again until forgiveness. I graduated in XXXX. My loans won't be forgiven until XXXX. 32 years later. 7 years after the 25 year date.