davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (OH)

I will upload a picture of my ftc report number. 
Unauthorized credit inquiries XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Equifax : XXXX XXXX XXXX XX/XX/2024 My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under Section 604 of the Fair Credit Reporting Act, I am requesting that this unauthorized inquiry be removed from my credit report. I did not provide consent, nor does it fall under any permissible purpose as defined by the Act. 

FCRA Section 604 Permissible Purposes of Consumer Reports This section of the FCRA specifies when a credit bureau can legally furnish your credit report to a third party. Some permissible purposes for making a credit inquiry include : Credit Transactions : When a lender or creditor is evaluating you for credit, loans, or financing. 
Employment Purposes : If an employer is performing a background check with your written consent. 
Insurance Underwriting : When an insurance company is considering you for coverage. 
Government Licensing or Benefits : When the government needs to check eligibility for licenses or benefits. 
Court Orders : In response to a valid court order or subpoena. 
Debt Collections : When a company needs to collect on a debt owed by the consumer. 

For an inquiry to be authorized, it must meet one of these permissible purposes. If it does not, it is considered an unauthorized inquiry, and you have the right to dispute it.
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland XXXX. 
Keeps sending and old billl I had from a credit card which was send to a settlement company for A debt settlement of my bils. In the length time I was paying they did come with the right and try to collect all amount of money from the card before was on this program and after was written off and They brought this. I been disputing and not giving the write amount. Ive been sending all documents to them and they have not take me out from my credit report since I am disputing. They are on a violation of the credit report act by not giving the time to solve the dispute not taking their name on my credit report as collecting since 3 months ago. I dispute with all 3 major credit report. And I demand they remove their name as collection until this dispute gets resolved.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

My Experian account was hacked. No one is answering the phone and my Experian account information has been changed. I can not log in! 

Experian will not return any calls and there is no emergency number.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2024, I reviewed my credit report provided by Experian and noticed several inaccuracies related to my personal information. Specifically, there were incorrect names, addresses, and phone numbers that do not belong to me. The erroneous information included multiple variations of my name, as well as incorrect addresses and phone numbers. These inaccuracies are negatively affecting my credit report and could impact my financial reputation. 

On XX/XX/2024, I filed a formal dispute with Experian, requesting the removal of these inaccurate names, addresses, and phone numbers from my credit report. I provided supporting documentation, including a government-issued ID, proof of residence, and highlighted sections of the report showing the disputed information. 

I kindly request that the CFPB ensure Experian thoroughly investigates this dispute, removes the incorrect information from my credit report, and provides me with an updated and accurate report promptly.
Consumer complaint received 2024-10-05
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)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX Address :  XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXXXXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-10
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. (GA)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WY)

Consumer name : XXXX XXXX XXXX consumer dob : XX/XX/XXXX consumer social security # XXXX I am victim Of idenity theft and fraud/date breach and am attaching an FTC report # XXXX as proof.I have disputed this account with experian XXXX and XXXX and have submitted an FTC report with each Complaint.Account name : XXXX XXXX account # XXXX opened on XX/XX/XXXX with a balance of {$63.00} according to the fcra 15usc1681 c-2 I am demanding that within 4 business days of receiving this complaint to block/delete this account from my consumer reports.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-28
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXXXXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

Nelnet is my loan servicer. I have applied for the XXXX repayment plan. They have sent me an email saying in order to be on the plan I need to make a one time payment by a date. The letter did not say the amount or the date, it just left it blank. Then it sent me a letter saying my request was approved, but not what the request was and that I would get a follow up email, which I didn't. The Federal Student Aid website said my application was completed in August and they completed their review in August, but my account was changed to XXXX XXXX and I'm still not in the XXXX plan. I have emailed them, filed complaints with the FSA and I'm getting nowhere. The interest on my loan would be subsidized if I was on the plan, but because I'm still not on the plan they are collecting the full interest and my loan is growing, which is not supposed to happen on XXXX. 

The loan servicer does not answer the phone or emails. How can a company be allowed to manage millions or billions of debt and have no rules to adhere to, they can't manage the accounts they have. This is unfair to every borrower.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Informations : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to remove the following information from my file. The items I deleted are listed in the report. I did not do the authorization. I reported the lack of authorization of my identity to the Federal Trade Commission and I also have attached copies of the federal tray, the identity of the commission, the theft, the affidavit. Please remove these items as soon as possible.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (MO)

Date : XX/XX/XXXX Subject : Request for Debt Validation To Whom It May Concern, I hope this message finds you well. I am writing to formally request validation of a debt that your company has reported and is attempting to collect. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request documentation to verify the legitimacy of this debt. 

Details of the Debt : Date of Origination : XX/XX/XXXX Amount Claimed : {$860.00} Actions Taken by Your Company : Reporting this debt to credit agencies without prior notification or communication with me. 
To proceed, I kindly ask that you provide the following information : Verification of the debt, including the original amount owed and any additional fees or interest applied. 
Proof of ownership of the debt by your company, as well as any documents showing the assignment of the debt to your agency. 
Records of any communications your company has sent to me regarding this debt. 
I expect to receive this information within the timeframe specified by law. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-27
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear, XXXX, XXXX, and Experian I am writing to dispute several inaccuracies in my credit report obtained on [ date you obtained the report ]. This letter serves as a formal request for an investigation pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 
Account Information XXXX Account Number : XXXX Balance : {$2000.00} Status : Open Last Activity : XX/XX/XXXX XXXX Account Number : XXXX Balance : {$2000.00} Status : Closed Last Activity : XX/XX/XXXX Experian Account Number : XXXX Balance : {$2000.00} Status : Open Last Activity : XX/XX/XXXX Specific Inaccuracies Balance Discrepancy : The reported balances vary across the bureaus, creating confusion about my financial obligations. 
Account Status : The account status is inconsistent : " Open '' on XXXX and Experian, but " Closed '' on XXXX. 
Payment History : While I have consistently paid on time, several months in XXXX show " No data available, '' which misrepresents my payment history. 
Legal References Under 15 U.S.C. 1681c-2, a consumer reporting agency must block the reporting of information identified as resulting from identity theft within four business days of receipt.

15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) require accurate reporting, which is currently not upheld in this account.

According to 15 U.S.C. 1681, I have federally protected rights to privacy and confidentiality.

15 U.S.C. 1681b mandates that a consumer reporting agency can not furnish accounts without my written consent.

Request for Documentation I request that you provide me with the original copy of the agreement, along with the terms and conditions associated with these accounts. Failure to comply will result in the forfeiture of your claims and may require the deletion of the items listed above.

You are required to act on this matter and block these transactions from being reported to my credit file within four business days of receiving this notice.

Resolution If these inaccuracies are not resolved, I will seek damages of {$1000.00} per account under the FCRA. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fairway Independent Mortgage Corporation (WA)

We requested to pay our mortgage bi-weekly. We were told they would mail the forms and we should mail them back. We did this. However, two weeks after mailing them we were told they had no received them. We were then told we could email them, which we did. Two days after we were told they had still not received them either via mail or email. This caused us to miss the window to start bi-weekly payments that month and we have still been unsuccessful in getting them to acknowledge receipt of our completed forms.