davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (PA)

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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-14
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. (FL)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I will seek actual damages which are greater than {$1000.00}. I want these items deleted off my credit reports effective immediately.Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX  XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXI, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation. My ID has been attached as well for verification purposes.
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 — Account status incorrect
Company: EQUIFAX, INC. (LA)

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: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (DE)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-05
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
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 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Nissan Motor Acceptance are reporting late payments that are false late payments. I have tired calling them and disputing the issue with no correction. This issue has cause me higher interest rates on my new automobile, which has cause hardship.
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. (LA)

This is XXXX 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (AR)

Ive been dealing with procollect inc and XXXX XXXX XXXX for years. They have not verified any debt of mine nor has proved any debt belongs to me. Ive disputed numerous times and has contacted the XXXX  to help resolve the issue. Ive had no luck. Ive been dealing with this issue since XXXX and Im fed up. 
Accounts numbers XXXX XXXX Pro Collect-XXXX
Consumer complaint received 2023-11-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc. (MD)

XXXX XXXX for XXXX @ XXXX at XXXX XXXX XXXX XXXX , and Sentry Credit Sebit Collector. Live here since ( XXXX ), always paid my rent on time during my lease at this resident. I moved from this resident on XX/XX/XXXX and turned in keys with sign documents from Rental Office management, with proper documentation sign and date. Paid my rent for online XXXX Account and when I received a court notice for eviction after I had moved out stated that owned the amount of {$6200.00}. However, I was informed about the court letter after I had moved. But did appeared in court. Case was drop. In my account the amount was on XXXX online account had Overdue {$3700.00} which I had paid a large amount. XXXX XXXX, property Manager has been retaliating against me due to the mold I had in my apt . Before I had moved out paid my rent in full for XXXX XX/XX/XXXX, which had been paid in full which I had received final invoice with the amount of balance due {$4700.00}. Took my deposit amount {$500.00}. Which leave my balance in the amount of {$4200.00}. Which I made online payment with receipts in the amount of {$2100.00} another receipt with the amount of {$2100.00}. Since I lived at the resident several times my rent was out on another account. Then I would receive a notice of payment amount that I owned for my rent during COVID. Therefore I had go down to rental office and represent my receipts. XXXX XXXX, has been retaliating against me since I contact the XXXX Inspector and now that I had moved out he had send my debit to collection in the amount as show which I have receipts and bank statements rent was received. They send my information to Sentry Credit Debit Collector which I did provide my information of paid rent. Today, XX/XX/XXXX, I had contact them regarding my collection which I emailed them all necessary documents on XXXX, XXXX. 

XXXX at XXXX, had not responded to my disrupt for collection. XXXX XXXX need to be audit for the under handing methods that a manager has used to put this debit on my credit which I had filed bankruptcy in ( XXXX ). Charged me for not having rental insurance which I had since ( XXXX ). But yet my invoices need to be audit due to them sending this bill to the debit collection and for them texting me a message saying that I owe this debit. Never have this company any permission to txt my phone trying to collect a debit that I dont owe. IRS need to be involved with this XXXX XXXX for underhanded practices that shouldnt be allowed when I moved out.
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. (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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'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 reporting misleading information. There is no filing this complaint for falsely 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Closed Account : XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

MOHELA has caused significant difficulty during transition to repayment. I applied for XXXX XXXX XXXX, but selected that I did not want to go into forbearance because I wanted to continue to make payments towards my PSLF forgiveness. MOHELA put me into forbearance anyways. 

I called several times but was on hold for over XXXX minutes each time. When I finally got through, I was able to have my account taken out of forbearance, but then was advised my XXXX payment would be noted as a late payment. Since I was in forbearance at the time, I asked for that payment to not be reflected as a missed/late payment because at the time there was no payment due. The representative stated there is nothing she can do. When I asked for a supervisor, she said she was going to put me on hold but then hung up on me. I had to call back and wait on hold for another XXXX minutes to get through. 

I then spoke with a representative that said I would not have a past-due amount or any missed/late payments for the month of XXXX. However, now when I check the site, it says that I have a past-due amount from XXXX - when I was in forbearance. 

MOHELA has not been helpful in getting my repayments back on track, logging them correctly, or having adequate support to be able to fix/address any problems that have been experienced during this process.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Ive been writing to dispute certain information in my credit report maintained by TransUnion, XXXX, an agency, as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Specifically, I am disputing the accuracy of the information listed in the following sections : TransUnion : 15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b Citizen Pay loc America First CU America First CU I am invoking my rights under 15 U.S. Code 1681b, which requires consumer reporting agencies to provide accurate and fair credit reports. Additionally, I am invoking my rights under 15 U.S. Code 1681e and 15 U.S. Code 1681s2, which mandate the investigation and correction of any inaccuracies or incomplete information contained in consumer credit reports. 
I request that TransUnion, XXXX conduct a thorough investigation into the disputed items and provide me with a written explanation of the results within the time frame stipulated by the FCRA. 
Furthermore, I remind you of your obligation under the FCRA to promptly delete or correct any information found to be inaccurate, incomplete, or unverifiable. Failure to comply with these legal requirements may result in further action, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IL)

My loans have recently been transferred from XXXX to Aidvantage. Prior to the change and prior to the XXXX payment pause, my student loans were on autopay, in order to receive a reduction in interest owed. I had no problems making payments automatically until the loan payment pause. 3 years later my loans have now been transferred to Aidvantage, who on numerous occasions confirmed that my autopayment status was still active and no further action was necessary on my part. My due date comes, they initiate the payment and send me correspondence that my payment was successfully received. However a couple days later they send me a letter stating the payment wasn't received with an explanation of " unable to locate account. '' This is frustrating because they received the same account information from my previous servicer who had no issue with my bank information so there was no error in inputting the information on my end ( because Aidvantage took the information directly from XXXX ). I then proceeded to re-enroll unto auto pay with the exact same credentials and even make an additional payment manually. I called to speak with an Aidvantage rep to confirm my payments and they were confirmed on XX/XX/23 as paid. I even spoke with my bank to see if the bank had an issue with the charge, but was notified that the payment never came through to the bank. Today there has been no payment made from my bank which means there is some issue going on with Aidvantage and their processing of bank information, however I do not want to be the blame for their problem and ve adversely affected. Moreover, I do not want to mail my payment in because I will no longer receive the discount for being enrolled in autopay. 

I have researched this issue to find that there are discussion threads of this exact same issue happening to other consumers being serviced by Aidvantage, so this is definitely a massive technical issue on their part. I was advised that filing a complaint with the CFPB is how other consumers have had this issue resolved and I would like to do the same.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I had a XXXX XXXX in XXXX IA run my card without my acknowledgement. I called Capitol One once this happened. 
The account was locked and a new card was issued. 

2 weeks later the card arrived, I entered the information into Capitol One app.. the XXXX XXXX XXXX for double protection. 

I went to the optometrist to get a new pair of glasses.. trip to use the Tap to Pay/NFC chip.. 

Triggered a fraud attempt with Capitol one.XXXX and I have been without this card for over a month... sent everything needed.. spoke with over seven specialists... 

And the last Manager I spoke XXXX ... and many others were hostile to the point of fatigue on my end. Treating me as a Fraudulent Criminal... 

And now have permanently restricted my account ending in XXXX 

This has greatly effected my bill paying process, my livelihood and my liquid funds due to a farce Fraud system suspension.

Many of my bills were set with my XXXX Capitol One accounts... now I am without one.. 

They ( XXXX/Management ) told me today that my DL couldn't be verified.. and much more. 

Please pull all transactions and transcripts and recording since XXXX til today XXXX