davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (MS)

I settle a debt with Conn Credit Corp in XX/XX/XXXX and the agent advised me in 30 days the account will be closed out showing " Paid in full. '' I submitted a dispute with XXXX  to have the account removed from my credit report because they didn't keep their word. XXXX ( confirmation # XXXX ) reinvestigation results are : " This item has been updated to report as paid in full '' but they was waiting on and electronic confirmation paper from Conn Credit Corp to update the credit report. As to this day XX/XX/XXXX Conn still haven't sent over the electronic confirmation nor have they closed out the account. I have been calling every since XX/XX/XXXX asking for an email to be sent to me stating that the account have been paid in full and I can send it to all three credit agencies but I have yet to receive that email. This company is horrible and they lie and give false information to get what they want. That is the very reason why this account went to collection in the first place -- I was paying 2 months in advance and they call and told me I was behind and when I ask how when I had been paying 2 months in advance they told me they was applying the extra funds toward the interest ; never once did they inform me of that.
Consumer complaint received 2021-03-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (NH)

I have told Navient repeatedly to only communicate with me by email or in writing. They claim they are not a " collection agency '' and are not subject to collection agency regulations. 
They had previously called on Tuesday, XX/XX/XXXX. I told them I had made this number do not call. They said they would do so. 
On Friday, XX/XX/XXXX at XXXX XXXX., they attempted to call me. I let the call go to voicemail. No voicemail left. 
On four seperate occasions since 2017 I have written to them asking them not to contact me by phone. As you can see above they continue to do so.
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

XXXX XXXX canceled our internet while we were in the process of moving because the new owners of the house had requested their internet. On their end somewhere timelines were messed but because I called to notify them the last day we were going to be in the house. They shut off our internet and switched it to the other individuals account prior to us moving out. I spent over 8 hours dealing with this issue multiple times. Once we moved, I called XXXX to send my equipment back and she asked about my final bill. I explained to her what happened and told them that the bill was inaccurate as I was originally paying $ 60ish per month for my services and they wanted to charge me over {$140.00}. That is when she notified me that due to them creating a new account and it being within a 30 day window that their policy is, if you are not satisfied ( which I clearly was not XXXX they would cancel the service and I would not be charged. I am not wasting any more of my time on the phone with those people at this point.
Consumer complaint received 2021-03-08
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: CITIBANK, N.A. (NC)

CITI CARDS CBNA XX/XX/XXXX, XX/XX/XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (GA)

My wife and I received a " Notice of Assignment to a Collection Agency '' on XX/XX/XXXX from a company called Professional Account Management , LLC in relation to an alleged toll violation in the state of Georgia, with an issue date of XX/XX/XXXX. 

Per independent discussions with Professional Account Management , LLC ( PAM ) and the State Road and Tollway Authority ( SRTA ) -- there does appear to be a legitimate relationship between the agency and the collections company. A customer service representative from SRTA confirmed that the SRTA often retains Professional Account Management , LLC for their collections services. Unfortunately, we never received a prior notice from the SRTA with any details of the violation either via physical or electronic mail. Typically, we would expect to see a photograph or other proof of the violation. Additionally -- upon searching both the SRTA and the PAM websites with the alleged violation #, license plate #, or PAM notice # ; no information is available and no records can be located. I spoke to customer service representatives with both the SRTA and PAM over the phone ( after waiting on hold for a significant amount of time ) -- neither of which were able to identify or locate any violations based on the information received in the physical notice from PAM The fact that no record of violations can be found by either the agency or company has led us to believe this is a phishing request to collect a fraudulent debt.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MI)

Over the last 11 years I have been paying monthly and paid the last of it on XX/XX/XXXX of this year. Upon filing my taxes XXXX failed to release me from the State of Michigan garnishments. I had no agreement for monthly withdrawals associated with a bank account throughout the 11 years. They made repeated attempts to get me to agree to a set amount, and if I failed that payment they would assess fees. Well that happened and a {$5400.00} fee was added to the debt. But I kept paying until it was done and I received the letter stating as such. So now they have taken {$1100.00} from my tax return from a garnishment issued from the court dated XX/XX/2020. 6 months ago. 
They failed to update my file with the state of Michigan. How many others out here are just like this? Paying to get free of debt and mostly the debt company 's that are difficult to work with. I paid this debt without discount! I over paid if full! 
Currently they will not receive my calls or respond after sending Emails to the president of XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CT)

To Ally Auto XX/XX/21 To Whom It May Concern, I am writing this letter in regards to a late payment ( or late payments ) reported to my credit report for my { Ally Auto Financial } account. 

I realize the importance of making payments early or on time, and I also know that paying late makes your job difficult. I wanted you to know that I missed the payment on my account due to financial hardship difficulties, I was impacted by covid 19. Ive called XX/XX/XXXX to see if I can have my payments defer and also today XX/XX/XXXX and representative was unable to assist me Ive been paying what I can }. I am truly sorry for the inconvenience, and I know that this situation is no ones fault but my own. 

I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. 

If you are able to execute a goodwill adjustment, I can continue building my credit score and remain in good standing with your company. 

Thank you for your consideration and time, { XXXX XXXX } XXXX
Consumer complaint received 2021-03-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (DC)

XXXX XXXX XXXX Complaint Case Number XXXX I hold a deposit account with Wells Fargo Bank, No.XXXX. Yesterday, on XX/XX/2021, I received the attached notice from Wells Fargo Bank that they decided to close my account. The bank chose without advance warning to make the balance of my account unavailable to me until XX/XX/2021. Doing this denies me my salary and, consequently, puts me in a very bad situation with regards to paying my bills and keeping myself alive. I am more than upset and angry. The balance on my account is currently {$4800.00} and I am demanding that the entire amount be made available to me so that I can move the funds to a bank that will do business with me and make my funds available at once!
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

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, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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 I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Consumer complaint received 2020-06-10
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 call XXXX  several times to request that they remove several inquires that is on my credit profile I would like these applications removed I have already sent them my photo ID and ftc report on file I HAVE FRAUDULENT APPLICATION ON MY CREDIT PROFILE 1.XXXX XXXX  XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX  XXXX XX/XX/XXXX 4.XXXX XXXX  XX/XX/XXXX 5.XXXX XXXX  XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX  XXXX XXXX 8.XXXX  XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

AS IM HAVE STATED MANY TIMES ME AND MY SON HAVE THE SAME NAME THEY MAY HAVE MISTAKENLY USED MY NAME INSTEAD OF HIS WHICH THIS MESS HAS MESSED UP MY GOOD NAME
Consumer complaint received 2020-06-10
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: STATE FARM BANK, FSB (IL)

I have contacted XXXX XXXX XXXX and XXXX in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to XXXX  and have received the same response as the accounts have been updated or remains.
Consumer complaint received 2020-06-10
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: Southern Management Systems Inc. (FL)

I was notified by my credit that there was an debt placed from southern management company by ways of broad management for over XXXX. I contact broad management to see what it was for they advised me it was for an eviction placed for XX/XX/XXXX I advised thats Impossible because the lease was expired in XXXX or XXXX and I didnt resign any lease. I advised I got the apartment for someone and the lease was fraudulently signed I asked for documents to show they never sent it they told me too bad nothing they can do because they no longer manage that property anymore and its my responsibility.. I told them it was fraud and I didnt resign and lease and that Ive been residing at XXXX community for the past 4 yrs Ive been in XXXX. They refuse to help or remove this off of my credit.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

Equifax is showing a collection on my credit report from XXXX XXXX with XXXX XXXX XXXX as a client. 

I do not have a XXXX XXXX XXXX  account that went into delinquency in 2014 nor at any point within the statute of limitations of the Fair Credit Reporting Act. I have not received any communication from the XXXX XXXX XXXX in over 15 years. 

I contacted Equifax recently, and they claim they verified the debt as mine, which is not possible. Equifax did not send any documentation of this verification, which makes me wonder if their employees are just being lazy and waiting until enough time passes before saying they investigated but found nothing wrong. 

I would like the XXXX XXXX deleted from my Equifax credit report, as the other credit agencies have done. 

The account number I am providing is Equifax 's confirmation number.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute.

Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ).

Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing.

Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am disappointed by how my complaint has turned out, as your response was not enough to justify the inaccuracies being reported on my accounts. My credit scores have not progressed and this is because these accounts are not being removed- which I have requested for you to do so.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I ordered a copy of my credit report. I noticed some fraudulent accounts that were not opened by me. Please investigate these fraudulent accounts and remove them from my credit report. Please send an updated copy of my updated credit report.
Consumer complaint received 2020-06-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

I have submitted my XXXX loan forgiveness application. I worked from XX/XX/XXXX to XX/XX/XXXX at a low income school as a XXXX XXXX. My XXXX signed off to the fact that i fulfilled my contractual dates for 5 years completed at the XXXX XXXX. Due to the corona virus i left my school district in XXXX in order to keep my family safe and in tact. My loan borrower, navient, denied my application and will not allow me to appeal their decision. They are also still taking out automatic payments and incruing interest with the corona virus going on. All i really want out of this complaint is for them to forgive XXXX of my student loan for working as a science teacher in a low income school for the equivalent of 5 years that my XXXX signed off on.
Consumer complaint received 2024-09-04
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've been a victim of a data breach that's resulted in identity theft. Under 15 usc 1681 I have a right to privacy. I'm requesting a re-investigation on the accounts that I've disputed based on 15 usc 1028a aggravated identity theft. on XX/XX/year> I've disputed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which came back verified.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts/items. XXXX XXXX XXXX. Credit Inquiries : 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. 

I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Consumer complaint received 2024-09-04
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. (AL)

On XX/XX/XXXX ( past the XXXX  days required by law ), Equifax replied ( to my XX/XX/XXXX dispute ) that the alleged transaction on XX/XX/XXXX they furnished as late was verified and correctly reported, but my XX/XX/XXXX dispute did not ask them to verify. I requested a thorough investigation and proof that validate the alleged late payment is accurate. This is the information that you must have or possess by law in order for you to report a payment as late. However, they failed to follow reasonable procedures to assure maximum possible accuracy of the information what the LAW requires of you : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer. 
Also, in XX/XX/XXXX, Equifax reported an alleged transaction as late with XXXX XXXX XXXX XXXX ( Account name : XXXX XXXX XXXX, Account # : XXXX ). This entry, which appears on my report for XX/XX/XXXX, is in fact inaccurate, misleading and fraudulently reported information which constitutes a violation of federal law, amounting to extortion and fraud according to 15 U.S. Code 1681a. Further, I have never received a statement that included all of the information required under 15 U.S. Code 1638a, so the alleged transaction on XX/XX/XXXX has been improperly placed on my report, violating the Truth in Lending Act ( TILA ) and causing undue harm to my creditworthiness.
Consumer complaint received 2020-06-09
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: Early Warning Services, LLC (NY)

I reported an account opened fraudulently to XXXX Bank using my personal information in XXXX of 2019. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or XXXX, nor removed the accounts from these reports as they were opened fraudulently