davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (AL)

Wakefield and associates just popped up in my credit. I have no knowledge of this debt. Never received documentation about this debt to properly dispute alleged debt. I dispute this debt. Please send over any ALL ORIGINAL WET SIGNATURE DOCUMENTATION for this alleged hospital debt. PLEASE ALSO SEND YOUR CONTRACT FOR ORIGINAL CREDITOR STATING THAT I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists i sent this before and they stated i had to attach an identity theft report which now has Wakefield and associates listed since the did not comply with a federal law and remove off my credit once they were informed that this was due to identity theft and it is attached. Also did not comply with requests
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information 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
Consumer complaint received 2024-11-01
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carter-Young, Inc. (MI)

I moved out of XXXX on XXXX on XX/XX/XXXX. They are trying to charge me for " damage repairs '' for this such as the paint on the light switches, scuffs on the wall that were already there when we moved in on XX/XX/XXXX, and other normal wear in the bathtub. I asked for an itemized receipt on XX/XX/XXXX for the XXXX {$37.00} charges for " heavy cleaning '' despite my sister and I having deep cleaned our room we were renting as well as the common space since our roommates did not. They did not reply to my request. We were also charged another cleaning fee because our roommates left stuff on their side of the unit, despite us telling the complex it wasn't ours. We were charged {$78.00} for " wall and ceiling paint '', {$50.00} for a cabinet repair when the cabinet was in tact once we moved out, and another charge of {$39.00} '' for " paint '', with no specification. They refused to provide us with the itemized receipt with descriptions for these alleged repairs that were just due to normal wear and tear. When I called, I was told that it was due to chipping on the light switch panel and scuff marks on the wall. The " cleaning '' we were being charged for was for a SYRUP BOTTLE and a box of XXXX XXXX that once again belonged to our ROOMMATES that were left on their side of the unit.There is absolutely no reason why I am being charged anything because my room I rented with my sister was left clean with no intentional or abnormal damage done.
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RevMD Partners, LLC. (SC)

COMPANY FAILED TO : 1. VALIDATE A BUSINESS AGREEMENT CONTRACT WITH THEM AND SAID XXXX XXXX  XXXX XXXX 2. HAS PLACE THE MEDICAL DEBT ON MY CREDIT WITH THE 3 MAJOR CREDIT BUREAUS THAT I OWE SAID DEBT OF {$1200.00} WHEN IN FACT ON PAGE 2 OF ATTACHMENT, IT IS WRITTEN OFF AND {$0.00} BALANCE IS DUE. THIS COMPANY IS TRYING TO COLLECT A DEBT THAT IS NOT OWED.

3. IT IS AGAINST THE LAW FOR A DOCTOR TO COLLECT ON A WRITTEN OFF DEBT FROM THE INSURANCE COMPANY.

4. I DO NOT KNOW WHO THIS COMPANY IS WITH MY MEDICAL INFORMATION WHICH IS A VIOLATION HIPAA PRIVACY.
Consumer complaint received 2021-12-30
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: CNG HOLDINGS INC (GA)

I need these items removed from my credit report. On XX/XX/2021 I sent a notarized identity theft affidavit, and police report to the creditor, and items have not been removed from my credit report
Consumer complaint received 2021-09-03
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. (FL)

I am a victim of identity theft because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my credit report.
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

We owe a balance on our mortgage of less than {$89000.00}. We have been paying on it for almost 22 years. We are working on a loan modification with Loancare , LLC. They sent us correspondence offering a loan deferment if we had any financial hardship due to the current times. We accepted that and haven't made a payment for approximately 9 months. On XX/XX/XXXX, Loancare sent paperwork that stated " an opportunity to enter into a loan modification trial period plan. '' It showed an incorrect amortization that they had calculated. On XX/XX/XXXX, I called and spoke with XXXX, a team leader who gave me the id XXXX. He stated that he would send an email with the loan modification explanation of the amortization. We never received an email. On XX/XX/XXXX, Loancare called, and I spoke with XXXX and told him I was waiting for an email. He said it was sent on XX/XX/XXXX. He suggested to visit the website and click on COVID19 assistance. I double checked and still no email. I asked to speak with XXXX. XXXX stated he can not put me through to XXXX. I asked to speak with another team leader. XXXX stated that only place he can transfer is to loss mitigation. I was transferred and spoke with XXXX. She said that XXXX can't send an email, because there isn't one. She said to send in a year-to-date paystub and tell them we are not okay with the 480 months of payment. She transferred me to XXXX. XXXX stated she would have someone in underwriting call us. We were on the phone for over two hours at this point. On XX/XX/XXXX, Loancare called ; I didn't answer quick enough, so I called right back. I spoke with XXXX who stated that it was logged that they called and that I hung up. She put in a request for whoever called me to call me back. I stated that we are still waiting for the underwriter to call. On XX/XX/XXXX, we spoke with XXXX and explained again that there was not accurate amortization for the term length of 40 years. He transferred us to a supervisor line and we waited on hold for 45 minutes until it sent us to a voicemail. We left a message explaining what had happened and requesting to have a supervisor call us back. 
We would like to file a complaint against Loancare , LLC stating that they are not following the truth in lending act by not spelling out the terms of an amortized loan showing principal and interest details for a modification. We have followed their process exactly, and they have not returned our phone calls from their underwriting department to help answer. We owe less than {$89000.00} and have an interest proposed of 5.5 % at 480 months. They are proposing the new payment be {$790.00} per month at the same interest rate of 5.5 % which would be them doubling our principal. We have asked how this is possible, and they will not provide the term detail that is producing this high of a workout payment.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-09-03
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (GA)

On Wednesday, XX/XX/2021, at XXXX EST, I received another phone call from Willams & Fudge at XXXX. I had been receiving calls from this number over two weeks at least three times a day or more. I answered twice when the calls initially began, but the caller hung up, therefore I stopped answering thinking it was just another telemarketing company. When I answered this day, the representative spoke so quickly that I did not have a chance to collect his name, nor did he mention his representative ID/badge information. The rep mentioned the that the call was on a recorded line and that this was an attempt to collect a debt on behalf of a local college. The rep proceeded to ask how I would be taking care of the balance without asking if I were able to, nor offering any type of payment plans. He failed to initially ask if I agreed to the debt and my right to dispute or request debt verification. I mentioned that I would be unable to pay for anything at the moment as I am presently unemployed. The rep became intrusive and asked, " well, who is taking care of your expenses then? ". I respectfully stated that that information was none of his concern nor did it have anything to do with the reason for his call and to please take my number off the call list. The rep proceeded to say these words, " well, the calls are not going to stop '', and at that moment I told him that I knew my rights as a consumer in the state of Georgia. The rep replied that he would make note of my request. 

The mere fact that he boldly stated that " the calls would not stop '' immediately suggested harassment. Also, the fact that he asked " who was taking care of my expenses '' had now become an unconstitutional act towards my rights to privacy. He, and other representatives of Williams & Fudge, should receive more training on proper phone etiquette as well as keep in mind that consumers still do have rights and ethically speaking, we are still experiencing pandemic overlay.
Consumer complaint received 2019-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

To start off the actions that were available were not the correct actions I need. 

This is more about reporting the wrong information on my credit report. 

I spoke with XXXX in XXXX about making payments on my XXXX XXXX at the XXXX account for XXXX. We agreed that my first payment of {$40.00} will process on XX/XX/XXXX and the monthly payments of {$50.00} will be paid on the XXXX of every month. I check my credit report and it says in XXXX and XXXX I paid late. It does not show that I paid in XXXX or XXXX. If I am supposed to pay the XXXX of each month, how am I late in XXXX when the XXXX has not come yet. And when I log into my account I see the wrong dates of payment- they said I paid {$41.00} on XX/XX/XXXX and {$50.00} on XX/XX/XXXX ; when I paid {$41.00} on the XXXX of XXXX and on the XXXX of XXXX I paid XXXX. They are reporting the wrong information to my credit report and it is making a negative impact on my score. 

I need them to correct the right payments dates in my account and correct the failed to pay negative remarks removed from my credit report.
Consumer complaint received 2021-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXX has not provided my extended warranty refund, even though it is already canceled. 
On XX/XX/2021. I signed the cancelation form to cancel extended warranty On XX/XX/XXXX, I opened a case with Chase ( my lien holder ) and they directed me to the dealership At the end of XXXX, I called the Finance department at the XXXX XXXX XXXX XXXX, and the person I spoke with told me that the hold up was on XXXX, which is the company that provided the extended warranty On XX/XX/XXXX, I called XXXX  and the agent told me that the warranty had been canceled since XX/XX/2021, and that they had refunded the money to the dealership On XX/XX/XXXX, I called the XXXX XXXX XXXX XXXX, requested to talk to someone in Finance and I waited 30 minutes on hold. No response. 
On XX/XX/XXXX, I called the XXXX XXXX XXXX XXXX, no response.
Consumer complaint received 2021-09-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I am pleading for your help in getting this erroneous account removed from my credit reports : XXXX XXXX Account # XXXX. I have been disputing this account with the credit bureaus and creditor for over 1 year. Not only is this account not mine but it is also reporting completely inaccurately. Please see the attached snap shot from my credit report pulled on XX/XX/XXXX from XXXX XXXX showing how this inaccurate account is reporting on my credit report. 

How can the loan be reporting as opened with XXXX  on XX/XX/XXXX and reporting as opened on XX/XX/XXXX on Equifax? How can the terms be " 12 months '' on XXXX  and due weekly on Equifax? How is my high credit limit {$500.00} on XXXX  with no credit limit reporting on Equifax? How is the date last reported on XXXX  XX/XX/XXXX but on Equifax its XX/XX/XXXX? How is the date last active on XXXX  XX/XX/XXXX when its reporting as XX/XX/XXXX on Equifax? The account is reporting as charged off on XXXX  from XXXX XXXX XXXX but was reported as a charge off on Equifax starting in XXXX XXXX XXXX and now is reporting in good status??? 

I have even spoken to representatives from XXXX  who stated that they never received any verification that this account belonged to me but simply received a letter from XXXX to " Leave the account on my report '' How is this fairness in reporting?? 

How can this possibly be accurate reporting? Per CFPB 's own website " The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. '' There is nothing fair or accurate about the reporting of this account and it should not only be deleted immediately but I should be entitled to remedy as is my right as a consumer for the year that I have fought to remove this accurately reporting account. This is clearly willful negligence on behalf of both XXXX  and Equifax. 

Per the CFPB website : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected ... '' This information is completely inaccurate, incomplete and unverifiable and it should be deleted IMMEDIATELY. Not in 30 days as I have waited over 365 days, this account should be removed right away! 

Please remove this account immediately : XXXX XXXX Account # XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I need your help regarding the false account reflected on my credit report. This has harmed my standing as a customer, and I am reaching out for your assistance. These accounts need to be removed because they are reported inaccurately and are negatively affecting me.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 delete the item from the 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 reseller. 

Account Name : 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
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

My consumer rights have been violated due to non compliance of federally guidelines with XXXX, XXXX, Equifax According 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) bill of exchange act FCRA, Consumer Bill of rights.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (FL)

There is no deb!! Attorney letter dated XX/XX/XXXX from attorney on behalf of XXXX XXXX claims I owe {$45.00} demands immediate payment. This is supposed to be from XXXX. I do not owe, however do take these threats very seriously. Letter instructed me to go to XXXX to pay. Online payment.. by citation and tag # no such ticket found. Speak with XXXX XXXX. They can not locate either. The clerk said swaped with similar calls but has no answers and directs me to lawyer. Lawyer says no details, no record, contact XXXX. I advised already have and there is no such ticket owed. She says they swamped with calls as well. I advised her this is my verbal demand for documentation and dispute claim. She said call XXXX. I call XXXX & ask why they doing this to people? She said they don't know but call the collection agency. The number she provided was disconnected. A XXXX search found the number listed under the lawyer as media number. 

Please advise
Consumer complaint received 2024-01-24
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.