davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
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. (VA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I reached out to the FTC and local police. Im doing this on my own behalf. I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. ( lnquiries ) : XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX. XXXX.
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D&A Services, LLC (IL)

On XX/XX/2019, D & A Services sent a letter stating that XXXX XXXX was their client for a debt balance {$3300.00}. D & A Services stated they were authorized to accept {$1000.00} on behalf of their client, due XX/XX/2019 as settlement in full. I sent {$1000.00} to D & A Services to settle this account in full and XXXX confirmed my payment was delivered to D & A Services located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX XX/XX/2019 at XXXX Central and signed by XXXX . 

On XX/XX/2019, D & A Services contacted me by phone and said I owed a balance of {$2300.00}. I explained that I received a letter from their office XX/XX/2019 outlining the settlement in full. The agent said I was short {$44.00} and therefore owed the remaining balance. I asked, " why would they send a letter stating {$1000.00} was settlement in full, if I supposedly owed more than that amount? Also, I paid {$1000.00} toward this final payment. '' The agent said the letter I received from their office was not valid. I asked, " how is that possible? It is on your company letterhead and sent from your company? '' He did not have an answer and continued to deny that my letter was valid. Also, I never received a letter from D & A Services to verify this new amount due of {$2300.00}. 

I checked my three credit reports and XXXX XXXX has listed a balance in collections {$2300.00} as outstanding. I am disputing that a balance {$2300.00} is past due with XXXX since this was settled in full per the terms outlined in the letter sent by D & A Services XX/XX/2019.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

I answered all the identifying questions. And then it denied me access, to Equifax AND XX/XX/XXXX. 
I had no trouble at all with XXXX XXXX. 
I think the other two have inaccurate answers to the questions they are asking of me.
Consumer complaint received 2019-04-19
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)

Hi my name is XXXX. I recently was at home doing a routine credit check for myself. As i'm going down the list of items on my report I noticed somethings that i'm certain are not mine. I was advised to contact this agency.. I also contacted my local police and FTC. These items are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

My student loan transferred from XXXX XXXX XXXX to Nelnet last year. I am in a graduated payment schedule, but was managing to payoff the accrued interest each month and a little payment to my principal. After being forced to switch to Nelnet, i noticed that my accrued interest was not being paid off each month. This was mostly in my higher interest loan. The loan servicer is taking money from my payment to pay the principal on may lower interest loan and allowing interest to accrue on my high interest loan. 

I have made 3 calls to the company and they keep saying this is better for me and there is nothing they can do. My only option is to make direct payments each month to the desired loan or privately refinance.
Consumer complaint received 2019-07-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Amscot Corporation (FL)

I borrow money from Amscott for 2 entire years and always pay back my loan on time and the cashiers dont want to give me the money I asked for. I asked for XXXX and she gave me XXXX and deleted the paper evidence and changed my pay rate on camera in my face. I have it on video. First she offered me XXXX then she offered me XXXX a day after I payed of a XXXX loan. And I proved I had 3 streams of income. Please have Management contact me again because he said every time they do this I have to have him contact me. The location is XXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-27
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (OH)

I looked on my credit report and found this collection on my credit, however this account does not belong to me. I contacted the company and requested that they send me a signed application or anything that I personally agreed to in which they sent me nothing I told this company that the account was fraud and to please remove this from my credit report.
Consumer complaint received 2019-07-06
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: FORD MOTOR CREDIT CO. (MO)

On XX/XX/2019 i applied for pre-approval for a car loan with XXXX Bank on https : XXXX website, XXXX XXXX took it upon themselves to also run a credit report on my social security number and they passed my information on to Ford Motor Credit to run a report that was not authorized. I do not understand how authorizing one loan company run a credit check would give a used car sales lot the authority to run my information as much as they wish without permission
Consumer complaint received 2018-10-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NY)

In XX/XX/XXXX, I pre-qualified for a VA Loan for {$140000.00}. I found a house in XX/XX/XXXX, was under contract. I made an earnest deposit for {$1000.00}, and paid {$450.00}, for an inspection, and then another {$450.00} for the VA appraisal, passed inspection with a minor issue, which the seller resolved immediately. I received a list from the loan processor, about what needed to be done, in order to close on the home. The issue that came up was that I needed {$4500.00} in closing cost. The loan processor told me that it would okay to apply for a personal loan to cover the cost. I was approved at a different bank, and I forwarded him the loan papers, and the bank statement showing that the funds are in a bank account. He called me the next day and told me that the credit review team wasn't going to grant me the VA loan, because of the personal loan, in which he advised me that it wouldn't be a problem. He offered me, a different loan called military choice, I agreed to avoid losing the home. Then he called me on XXXX XXXX, and advised that I was not getting a mortgage at all. I have been with my employer for 2 and 1/2 years. I work year round and showed proof that I will be receiving a raise in XX/XX/XXXX.
Consumer complaint received 2019-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I have written to Equifax about my credit report on several occasions ( XX/XX/XXXX, XX/XX/XXXX and called them a few times ). The first problem is that they have listed on their a XXXX bankruptcy from public records. I told them this is incorrect, and they still have it listed on there and show me no proof of where they received this information. I asked them to remove it. Still nothing to date. 

Second, I wrote to them and sent proof about XXXX XXXX c/o XXXX that my insurance paid the amount they are contracted. They still didn't accept this, and won't remove the inaccurate findings. 

Third, I have a XXXX XXXX c/o XXXX Account and asked for proof the debt from them and the proposed debtor as I don't recognize, nor did I ever have this account. To date, no information was provided and it still remains on my account. 

Lastly, XXXX is another health provider issue where my insurance paid the contracted amount, and I sent proof and they still have the information on my account. 

When I call them, they say they can't talk to me because of my identity issue. However, they can send me a letter stating that they completed the investigation and they state its accurate although I sent them proof. 

In addition, I have a student loan that is closed/written-off. Just in XXXX, they state that the loan monthly payment went up XXXX and my credit score went down 54 points because of this. Is this even legal.
Consumer complaint received 2019-04-18
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. (TX)

I have 10 hard inquires some u dont recognize and some i do. I was very new to credit and didn't know hard inquires damaged my report i have good credit other then these inquiries and i need to get them removed before i get another loan.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2020-04-28
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. (FL)

( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my report also ill list each report number : XXXX  REPORT NUMBER : Report Number : XXXX Equifax Report Confirmation # : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$660.00} XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX Ive try over and over to fix this and i haven't gotten any update or proof of investigation My personal information was exposed in a data breach ( Equifax XXXX data breach ). i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also attach a true copy of my police report number to this complaint also my case number is XXXX filed with the XXXX Police Department date XX/XX/XXXX and also have a FTC report that i also upload and my FTC case number is XXXX i been battling with this fraudulent accounts on my credit file for over 2 years please help me these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2019-07-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (MD)

I received credit report alert on XX/XX/2019 that Capital Accounts LLC put collection notice of {$190.00} ob behalf of XXXX XXXX XXXX to my credit report in three credit bureau. 

After I obtained Capital Account LLC contact info from XXXX  on XX/XX/2019, I contacted it for the reason why they never contacted me about debt collection before they put it on my credit report. They responded that they did send a letter on XX/XX/2019 to my current address. But I never received it. I asked them to send a copy of that letter to my email. They then sent to my email with a bill amount and doctor office name on XX/XX/2019 but this bill is not the original letter they claimed. The odd thing is that this bill shows that Capital Account LCC is not a debt collector ( see attached files ). 

I asked them why they did not send me the copy of their original letter dated on XX/XX/2019. They refused to answer. I asked them if the amount they collected was substantiated. They did not answer. I asked them to provide me with their license/permit number as debt collector in my state, they did not answer. 

In fact, I paid all my bills to the XXXX XXXX XXXX and my insurance paid their portions too. My insurance said that I overpaid XXXX XXXX XXXX already. The doctor never sent me the unpaid bill for collection too. 

My concern is that if any company can pretend as a debt collector and put any bad things on people 's credit report without justification/substantiation, this will disturb peace and ruin people ' life. 

Therefore, I am complaining Capital Accounts LLC to CFPB for investigation. 

Thank you very much.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I opened an account with XXXX XXXX ( formerly XXXX XXXX ) on or around XX/XX/2008. Some time in XXXX-XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX ( previously named : XXXX XXXX XXXX )
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

In XX/XX/2018, I referred my wife to open a checking account, which made me qualified for ' {$100.00} refer a friend a promotion. ' Citi told me that I am qualified for this promotion, but they requested to send my W-9 and I sent the required document. XXXX is the reference number for my inquiry. 

It's been months since they received my document, but they did not credit my account yet with that promotion.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (GA)

I have sent numerous letters to XXXX, Equifax, and XXXX in regards to items listed on my credit report that are not supposed to be there. No changes have been made to my credit report even after sending certified letters requesting the items be removed immediately since these companies have failed to respond to my previous letters before I seek litigation. 
As a consumer I there are laws in place to protect me and these companies continue to be willfully non-compliant. 
I am seeking the help of the CFPB to intervene at this point. 
I will upload all items that were sent to these companies as well as proof of their receipt of these items.
Consumer complaint received 2019-05-31
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ITEMS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I have check my XXXX and XXXX  credit reports and two accounts (XXXX XXXX and Barclays Bank) that I have paid off on XX/XX/2019 still showing a balance.
Consumer complaint received 2019-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I requested to Wells Fargo Bank to pay a ( balance transfer ) money to be paid the amount of {$520.00} to XXXX credit card account number # XXXX which was my balance with XXXX, see attached statement. 
at the end of XX/XX/XXXX I have received several phone calls from XXXX collection department stating that I was late with my monthly payment well I told XXXX collection agent that Wells Fargo paid already the full amount of {$520.00} well after a few minutes of researching for the payment XXXX 's agent stated that no payment was made from Wells Fargo, the next following day I have contacted Wells Fargo Bank and I asked what happened with the balance transfer? Wells Fargo agent stated that the money was paid to XXXX XXXX XXXX instead of XXXX and it was a mistake done the the person who took my information at the beginning of the balance transfer, by the way XXXX is merchant with XXXX XXXX and no with XXXX XXXX XXXX. this is a big mistake from Wells Fargo Bank! 
Because I declaimed to pay the money back to Wells Fargo Bank, Wells Fargo reported to the the 3 credit Bureaus and damaged my credit. This is a abuse because I do not owned any money to wells Fargo, money never was paid to XXXX and wells fargo is responsible for the own mistakes. I want to clear up my records and Wells Fargo Bank should pay all my late payments fees that I paid to XXXX and my credit should be corrected immediately and my balance with Wells Fargo Bank should be XXXX and should be pay all monetary damages caused by wells Fargo Bank.
Consumer complaint received 2019-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (SC)

I attended XXXX XXXX University from XXXX - XXXX, and I took both Private and Federal subsidized and unsubsidized loans. The school then closed after the XXXX school year. 

In the fall of XXXX and XXXX of XXXX, two of my fellow nongraduating classmates each received letters from the US Department of Education stating their loans had been discharged by a " Closed School Claim ''. Additionally they received checks returning any payments made toward the loans. I made several attempts to contact my loan lenders ( Navient and XXXX XXXX XXXX, and they both failed to provide any clear resolution.