davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 2024-02-22
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (NJ)

received settlement in class action for deceptive practices ( {$2500.00} ). XXXX ruling allowed for XXXX discharge of all owed loans, ( $ XXXX ) school retaliated for both actions by recording last semester as unpaid and sent to collection separate from BDAR discharge barring reenrollment XXXX ( complaint sent to US dept. of edu, no reply ) Claims for {$2600.00} owed to school are false and not applicable. I would not have received any of the settlement money if a legal outstanding debt was still owed. Contested debt with collections agency. Agency was about to discharge, school sold debt to another which offered {$1800.00} settlement. Problem brough to attention of MN office of higher Edu. no reply as of yet.
Consumer complaint received 2023-09-30
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: Experian Information Solutions Inc. (IN)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-08
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)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding inaccuracies on my credit report, which has recently come to my attention during the process of attempting to purchase a car.

I believe these inaccuracies are in violation of the Fair Credit Reporting Act ( 15 U.S.C 1681 ). Upon reviewing my credit report, I discovered several pieces of information that are incorrect and do not accurately reflect my credit history. These inaccuracies have adversely affected my creditworthiness and, consequently, my ability to secure favorable financing terms for the car purchase.

I have attached a copy of my credit report highlighting the discrepancies for your reference. I would like to draw your attention to 15 U.S.C 1681, which mandates the accurate reporting of consumer credit information. I believe that the discrepancies on my credit report are in violation of this law, and I kindly request your assistance in investigating and rectifying this matter. Please see below whats reporting on XXXX, Equifax, And XXXX 

XXXX {$780.00} XXXX XXXX  XXXX {$760.00} XXXX XXXXXXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$2300.00} Enclosed with this letter, please find copies of the following documents for your review and investigation : 1. A copy of my credit report. Identity theft affidavit, and police report.

2. Any supporting documentation that verifies the correct information.

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter, ensuring that the credit reporting agencies comply with the provisions of the Fair Credit Reporting Act. 

Your prompt attention to this matter is greatly appreciated, as it has direct and immediate implications for my financial well-being. I look forward to a swift resolution and a correction of the inaccuracies on my credit report. 

Thank you for your time and assistance.
Consumer complaint received 2024-02-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

I co-signed for an apartment for an individual in XX/XX/XXXX. After the lease ended in XX/XX/XXXX, the individual I co-signed for left a balance with the apartment ( XXXX XXXX ) The unpaid balance was turned over to Columbia Collections in XXXX XXXXXXXX. The balance was paid off as of XX/XX/XXXX with a paid in full letter received from Columbia Collection. On XX/XX/XXXX, I reviewed an email from Columbia credit demanding I pay additional monies on this closed account.
Consumer complaint received 2023-12-08
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. (IL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-08
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AL)

I disputed with XXXX and it came back as verified. I asked the company to send me the agreement I signed stating that was my debt with their company. Also, I asked if they would send signedd paperwork stating I gave them permission to use my personal information from another company and report it on my credit file.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (AL)

I disputed with XXXX and it came back as verified. I asked the company to send me the agreement I signed stating that was my debt with their company. I also asked if they would send signed paperwork stating I gave them permission to use my personal information from another company and report it on my credit file.
Consumer complaint received 2023-12-08
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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. (CA)

XXXX XXXX XXXX is reporting a collection for XXXX XXXX. I have never done business with either entity. The creditor or collection agency does not have the authority, permission, or consent of the surety to be in contact with the alleged principal debtor XXXX XXXX. There is no evidence to the contrary. 

They also do not have my written consent or instruction to furnish any sort of data or information to any consumer report as I have no relationship, connection, or marriage with either XXXX XXXX XXXX or XXXX XXXX. 

Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX whether written, verbal, non-verbal, or otherwise is now revoked. 

Any possession of a signature belonging to XXXX XXXX unlawfully in their possession is also rescinded, effective immediately.
Consumer complaint received 2020-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

I have paid all my medical bills thru co pays and insurance and i recently noticed that i have a collection on my report. I have tried to get the company to send me what its for but haven't received anything. and they have not removed it from my credit report when i've gone to the credit bureaus. Please help me get this removed.
Consumer complaint received 2023-12-08
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. (NY)

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.
Consumer complaint received 2023-12-08
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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the 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
Consumer complaint received 2024-06-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CreditNinja Lending, LLC (MN)

I have paid ridiculous amounts of payments to them and called them to see what the Payoff was and it was more than the loan I took out. They are charging unethical amount of interest
Consumer complaint received 2023-12-08
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Interest rate
Company: PNC Bank N.A. (MD)

I received a XXXX of a Loan Modification from PNC. I never requested for a loan modification and recently the State of Maryland just paid the outstanding balance I owed to PNC. Why am I receiving a loan modification when I never asked for one with an interest rate of 8.125 %. I was already in a loan modification where my interest rate was 6.875 %. I want to what communication did they had with me assuming I requested for a loan mod when I did not. The payments PNC received from the State of Maryland should have resumed the most recent loan modification already in place. I do not request a loan modification. I need to see how the {$12000.00} payment was applied to my loan from the State of Maryland. Also the loan mod still says XXXX recovery, what is it recovering because the interest keep increasing to where it is not affordable? How was the money applied? Who authorized a loan modification when I did not?
Consumer complaint received 2023-12-08
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. (NJ)

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.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested a method of verification for 2 bankruptcies on my report. Chapter XXXX and Chapter XXXX which I received. The credit bureau wrote back the accounts were verified by the courts. However, that is false. The court wrote me a letter stating they do not provide that information to credit bureaus. I sent the letter twice to the credit bureau one by regular mail on XXXX and then another time certified mail on XXXX. Why have these 2 things have not been removed from my report. Also, isn't it illegal to lie and falsify method of verifications. Isn't that a violation of the FCRA? I have attached the documents as well.
Consumer complaint received 2023-03-17
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 am interested in processing disputes for all inaccurate information on my credit report with Equifax. please review the listed items that needs to be removed an update it on my file asap to correct my credit report.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DE)

I registered in the XXXX store for a credit card to make a purchase. I just moved and told the sales rep my drivers license had the old address. I had mail to prove my new address and told them to setup the account to the new address. The store rep still setup the account to the old address. As a result my statement came late. I called to resolve the problem. Corrected the address on file, paid the purchase amount in full, and asked to have the late fees and interest refunded. The services rep did all that, yet the next month i still had a balance due to late fees and interest. called again to have it refunded, the rep agreed to process refund on late fees and interest. Next month, more late fees and interest. This continued XXXX, XXXX, and XXXX billing cycles. I'm am told now that the remaining late fee can only be refunded by Collections. I called the number provided by the rep ( XXXX ) XXXX. This is answered by an automated message that tries to sell you XXXX XXXX XXXX system, then hangs up on you. two separate agents gave the same number. I eventually talked to collections 2 time by being transferred. Each time i was disconnected after going throught supervisor escalations. I finally got the Customer agent to refund last late fee, but i paid {$4.00} in interest. Just gave up working with Comenity
Consumer complaint received 2023-12-08
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear, I deposited XXXX cash into the Bank of America ATM on XX/XX/2023, but the transaction only showed XXXX. I put cash into the ATM and the ATM didn't give me any receipt or give me any options after processing it as usual. There's something wrong with the ATM. I tried contacting Bank of America, I submitted a dispute, and after XXXX inquiries the bank always said they couldn't find any cash. I have videos and photos as evidence. The ATM ID is XXXX. The range is from XXXXXXXX XXXX tXXXX XXXX XXXX on XX/XX/2023. 

Thank you
Consumer complaint received 2023-12-08
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 recently reviewed my credit report and noticed accounts reporting that did not apply for. I believe that someone has used my personal information to open these accounts. I have not used my credit and after reviewing my report, I have seen accounts that are reporting under my name which I never authorized myself. 

The following accounts are not mine and should be removed : XXXX XXXX XX/XX/XXXX. XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00}
Consumer complaint received 2023-12-08
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. (KS)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX