davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I, XXXX XXXX, under the penalty of perjury certify that all forthcoming statements are true and factual. On XX/XX/2021 Bank of America to be continuously referred to as BOA began violating my rights as a consumer when they knowingly and willingly sent me postal mail expressing that the company reversed a mobile deposit of check # XXXX that was made on XX/XX/2021 using BOA account # : XXXX. This is fraudulent action violates the Fair Credit Billing Act which was enacted to cover settlement procedures in relation to billing errors. Those billing errors include : Unauthorized charges, Charges with an incorrect date or amount, Charges for undelivered goods or services. Math errors, Failure to post payments or credits for returns, Failure to send bills to your current address, and Charges for which you request clarification or written proof of purchase. The actions taken by BOA display a blatant disregard for the Fair Credit Billing Act and Fair Credit Reporting Act because they are inaccurately being reported and include math errors, unauthorized charges, charges with incorrect dates, amounts, and account information, as well as charges for which I request clarification. BOA has yet to provide me proof as a consumer and account holder that an actually check deposit of {$3500.00} was in fact redeposited into account # XXXX via mobile deposit on XX/XX/2021 for the 2nd time following the initial deposit of this check via mobile deposit on XX/XX/2021. BOA is stating that I redeposited a duplicate check into my checking account # XXXX on XX/XX/2021 and because of this they reversed {$3500.00} out of that same account number forcing the account to become negative {$3500.00}. This account being in a negative status has caused me financial and emotional hardship due to the fact that this is the only personal bank account that I currently have access to. I can not pay my bills using my bank account or deposit funds without them being illegally stolen from me by BOA. BOA has a history of being predatory toward consumers and violating consumer and federal laws for self-gain. BOA has 30 days starting upon the receipt of this complaint to validate their fraudulent activity taken or credit my account in the amount of {$3500.00} immediately. BOA needs to abide by federal law despite company policies and ensure that they discontinue the use of illegal practices that violate the Fair credit billing act, the fair debt collection practices act, and the fair credit reporting act.
Consumer complaint received 2022-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates contacted me earlier this year, it was a phone number from Tennessee. Woman left a voicemail and told me to contact them. I mailed a letter to their headquarters requesting they stop calling me, and asked them to provide written documentation that I owed whatever they were trying to collect. About a month ago I got another call from Portfolio Recovery, this time from a California number. They did not leave a voicemail. Last Thursday, XX/XX/XXXX, at XXXX pm, I received another phone call from Portfolio Recovery, no voicemail. That phone number was ( XXXX ) XXXX. At no time has Portfolio provided me any information via the USPS mail. 

I have no debts of any type. I own my home and car. Student loans were paid off 30 years ago. Credit cards are paid in full each month. My credit reports show nothing. I want the phone calls to stop.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2022 I cashed a personal check from my lawyer for a settlement I won in the amount of {$8100.00} at Huntington bank. I cashed via mobile deposit. The funds were said to be on hold until XX/XX/2022. Immediately after cashing, my account was locked. When I called the bank they said that once my check cleared on XX/XX/2022 that my account would unlock. Once the day arrived, my husband was able to see that the check cleared but my account was still restricted. When I called back to inquire, they said they were waiting to hear back from the issuing bank- XXXX XXXX, to ensure the check wasnt double cashed. It is now XX/XX/2022 and I still cant access my account or money. I tried reaching out to the issuing bank but they wont give me info. I also reached out to my lawyer and he confirmed that the check was only cashed once. Although, my husband is still able to view the account and transactions, we are unable to make any debit purchases. However, ACH payments/purchases are being paid. This confirms even more so that the check has cleared and money is available. Ive called multiple times and I keep being told that they are still waiting to hear back from XXXX XXXX and cant give me a timeframe. I completely understand security and fraud precautions but Im frustrated and uneasy because I deserve access to MY money.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have 1 negative accounts reporting with Kohls Capital One. The account in questions will be attached to the following CFPB complaint. There are multiple payments reporting late. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Yes I was charged monthly and still am after being cancelled by usaa XXXX XXXX they wouldnt give me a new policy because I moved out of state to XXXX XXXX XXXX then after I went with XXXX they reinstated my policy and keep billing me for another state
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ) XXXX
Consumer complaint received 2022-08-01
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. (NY)

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) .Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 

XXXX XXXX XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DEPT OF EDXXXX. Posted XXXX on XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-09
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)

On XX/XX/2021 I sent a letter for inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that late payment be deleted immediately or I will file for litigation.
Consumer complaint received 2021-12-18
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. (CA)

Company claims they properly verified and validated info on file for the below listed accounts though they did not respond to certified letters within 45 days time as required They also would not have been able to verify as XXXX XXXX / Consumer was not a secured loan it was an auto loan it also was paid off completely a month ago with no payment due. 

They are showing late for XX/XX/XXXX and XX/XX/XXXX creditor just validated yet again that they provided bureau with notice to remove those on XX/XX/XXXX at XXXX reviewing credit report they were in fact updated for this account on the XXXX as advised however they did not remove the XXXX months in question per creditor request
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" Transunion '' Fraud Credit Inquiry Not Done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX ( XXXXXXXX XXXX XXXX  XXXX ) In addition there is One Inquiry by XXXX XXXX and XXXX XXXX that was authorized by me, but the above mentioned Inquiries are not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These inquiries were not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These Inquiries were not done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXXXXXX )
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX  XXXX Account XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

XXXXXXXX XXXX never reported my car paid in full, never late please delete these inquiries from my credit report. i never applied for any inquiries XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX CARDS XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX financial never reported my car paid in full, never late please delete these inquiries from my credit report. i never applied for any inquiries XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXXXXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXl ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

My mortgage company Carrington Mortgage Services refuses to credit all payments made to my mortgage account. While in bankruptcy ( XX/XX/XXXX ) I received a Foreclosure notice stating that payments for XX/XX/XXXX- XX/XX/XXXX had not be made. I forwarded copies of my bank statements to CMS and they made note of it. By the time this was resolved, my account was in foreclosure and they had stopped taking payments on the account. Inquired to CMS on what to do and was informed that the way to resolve was to request a repayment plan. This was done. I received the repayment plan, but noticed that they repayment amount was very high. When I contacted Billing Dept. they stated they were missing payments on my account. I sent an inquiry to their Research Department asking them to research since the XXXX was discharged and I made payments through XX/XX/XXXX. It was scheduled to start in XX/XX/XXXX. The response I received in XXXX was that all payments had been credited and they were not going to do anymore. However this is not correct. My bankruptcy was discharged in XXXX of XXXX, that means that all parties were satisfied including Carrington.

I wasn't able to make payments from XXXX - XXXX of XXXX. At {$940.00} month x 10 months= {$9400.00} behind. Add 6 months to repay going forward x {$940.00} = {$5600.00}. {$9400.00} + {$5600.00} = {$15000.00}. $ XXXX months to pay = {$2500.00} total repayment per month. However CMS calculation is {$3800.00}. ( I was paying {$930.00} per month at that time ) I made 3 payments of the repayment plan which started in XXXX and received a notice on XXXX that I had been sent to Foreclosure again. All of the payments of the repayment plan were not on time. But they took the money and it should be credited to the account.
Consumer complaint received 2021-12-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian, & XXXX credit agencies had refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRUIST FINANCIAL CORPORATION (FL)

When suntrust turned into truist my existed suntrust account was transferred. A banker then opened XXXX additional credit card accounts. When I went to a branch to close them they convinced me it would hurt my credit score and I should keep them open.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Today is XX/XX/22 When I checked my credit report there was an Experian alert that said my card was over the limit. I called my bank and they said it hasn't been over the limit and is not now over the limit. 
I tried calling Experian but it's impossible to talk to a person, I only was able to listen to options that didn't apply to my situation. The recording said I had to use their website. 

To use their website they require that I establish an account and become a member. I have no intention of becoming a member and giving them my contact information because I don't trust them. They've already made one mistake that has affected my credit.
Consumer complaint received 2021-12-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC (MO)

I explained to the company that the loan was taken out by someone else. However, the loan was paid off so that my credit wasn't impacted but it negatively affected my credit. Requested for the company to remove the tradeline from my report and they agreed, however, it is still there on XXXX and XXXX.