davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (MI)

I am writing to you for the tenth time in an attempt to resolve persistent inaccuracies on my equifax credit report. Despite multiple requests for reinvestigation, the responses received have not adequately addressed the discrepancies in question. upon reviewing my equifax credit report once again, I discovered that it still does not align with the information provided by Equifax or XXXX or XXXX. This inconsistency is deeply concerning, especially considering Equifax 's obligation to ensure the accuracy of the data it reports. I've attached a copy of credit report and a complaint letter, Please update these accounts with the correct data or delete from my credit profile asap. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (AZ)

This 3rd party collection reporting company PROGRESSIVE MANAGEMENT S will not Delete this account from my credit report after they was told from my Medical Provider all my bills are paid through XXXX XXXX XXXX XXXX XXXX XXXX  Under Fair Credit Reporting Act Law, Section 609 through 617 I have the rights to have this account Deleted permanently from my records once paid in full. Ive sent them letters stating I would pay along as they would agree to Delete from my report and the still refused and stated there is nothing I can do about it PROGRESSIVE MANAGEMENT S Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-11-27
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. (CT)

I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately XXXX XXXX XXXX  - XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect XXXX XXXX XXXX  - Incorrect
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (OR)

Neded money to make improvements on home! Looked on line, XXXX website! Net credit said interest rates were 36 %. Borrowed {$36000.00}, 2 years later, I owe {$4400.00}, with an interest rate of 65 %! Predatory rates, as interest rates in XXXX, are capped at 36 %! However NetCredit skirts this by the XXXX strategy, using XXXX XXXX XXXX XXXX as a front!
Consumer complaint received 2023-11-27
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 have made several attempts to resolve issues on my credit report, however, Equifax continues to ignore my disputes and is not responding to my investigation requests. I initially filed a dispute with Equifax on XX/XX/2023 via fax to challenge errors on my credit report. Specifically, an account with XXXX XXXX XXXX, a XXXXr XXXX XXXX, and personal information. Equifax responded to this dispute on XX/XX/2023 verifying the accuracy of the XXXX XXXX XXXX account and XXXX XXXX XXXX 

I sent follow up disputes to Equifax via fax on XX/XX/2023, XX/XX/2023, and XX/XX/2023, and finally, via USPS mail on XX/XX/2023. To date, I have not received any responses from Equifax regarding my disputes. It is my understanding bureaus are legally required to respond to disputes within 30 days of receiving them, otherwise, they must correct or remove the disputed information, as required by the FCRA.
Consumer complaint received 2024-03-03
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)

I leased a Vehicle in XXXX from XXXX with an option to purchase at the end of 100 payments. My final payment was XX/XX/XXXX ; however instead of invoicing me for the {$3400.00} purchase amount XXXX added it into the payment plan at the end of the lease. This account was not reported to the credit bureaus until XX/XX/XXXX and the information has not been corrected. I have sent documentation supporting my case however Equifax refuses to correct the problem and tells me the creditor verified the information as being correct. This has really damaged my credit significantly. They claim I have missed payments which is not true now they are claiming I owe a balance of $ XXXX. Equifax knows the correct balance I sent them documentation from XXXX to backup my claim ; however they refuse to correct the information on my credit report.
Consumer complaint received 2018-10-20
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. (NC)

Experian is reporting a XXXXXXXX XXXX XXXX card on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times to have the XXXX XXXX XXXX  Fraud account disputed, investigated and removed,. Experian continues to deno and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. 

I did not Open an account with XXXX XXXXXXXX XXXX  or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXXXXXX XXXX, I did not give authorization to XXXX XXXX XXXX or any creditor to open an account in my name. 

Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

XXXX, and Equifax reported I and joint owner XXXX XXXX were 30 days late in XXXX, XXXX on real estate mortgage account XXXX XXXX XXXX XXXX XXXX. 

I disputed this - House was sold XXXX XXXX XXXX Mortgage was paid in full. 

XXXX changed the 30 day late to XXXX XXXX and added OK for XXXX XXXX Equifax left XXXX late in XXXX XXXX and added OK for XXXX XXXX and OK for XXXX XXXX Attached is notarized Bill of Sale and Title company Settlement documents stating Paid in full for mortgage and second mortgage dated XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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. (NC)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Upon noticing inaccuracies in the report, the undersigned took it upon themselves to reach out to the creditor to request validation of the debt, but to their disappointment, the creditor failed to provide any supporting documentation. The concern pertains to the account in question, which is erroneously listed as a late payment account. Therefore, the undersigned insists that the credit bureau provides concrete evidence of this account being late. If such evidence is not forthcoming, they demand the immediate removal of the negative payment status associated with this account from their credit report. The following accounts were always paid on time and are therefore being disputed : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letter on XX/XX/XXXX, to remove XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX to me. you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2020, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX  XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Clarity Services (PA)

XXXX XXXX XXXX appears on behalf of Clarity Services INC in which I have not applied for nor ask for any web or online pay day loan. I'm also filing a complaint with the XXXX Attorney office as well as the justice Department on American Web. My credit file with XXXX  is opt out on marketing and offers etc. I have not ask or want any pay day loan. It seems like a lot of fraud on XXXX part by Clarity being a part of them. It also seems your targeting people for high loans and a big scam on all parties take your XXXX   else where and no you been filed on several agency.I 'm also filing a police report on this company XXXX as well as Clarity Services Inc
Consumer complaint received 2023-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear Consumer Financial Protection Bureau, I am behind on payments and under Foreclosure with a Sale Date on XX/XX/2023 ; i have been applying for the XXXX XXXX XXXX XXXX where i am eligible for them to pay for my debt ; when they contact my lender SPS they inform XXXX XXXX XXXX that my home is an " Investment Property '' and this is my " Primary Home '' ; that results on me to be declined on my application multiple times. I called my lender SPS to request to stop saying XXXX XXXX  that my " Primary Home '' is an " Investment '', they assured they changed the category on XX/XX/2023. I re-applied for the program on XX/XX/XXXX and i got denied again for the same reason " My home is not eligible for ''.
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WV)

My original student loan servicer sold my loan to Mohela at the end of the COVID forbearance. Somehow, Mohela got my bank account info and took {$190.00} out of my bank account for a payment without me uploading my bank info to Mohela and without my consent. They also did not notify me they were taking payment. I discovered it when I was looking at my online banking app. I didnt enroll into Auto Debit with Mohela XXXX My employer was making payments on my loan therefore Mohela got an extra payment in XXXX of 2023. I attempted to call Mohela and was on hold for over an hour and was unsuccessful at getting in touch with a representative. 
I was under the impression that my loans were in administrative forbearance because of the lawsuit filed against Mohela after they failed to send out statements after the COVID forbearance ended. Even though they did not communicate in any way that my loans were in administrative forbearance. On my account, it says that payment is not due until XXXX of this year. But yesterday, once again, I discovered a payment that was taken out of my bank account of {$190.00} even though it says payment is not due until XXXX. I have since enrolled in Auto Debit because when XXXX comes around, I didnt want to have to worry about remembering to pay. But I did not budget for this extra payment they took and I was not notified that a payment will be taken out of my bank account. Its impossible to get in touch with a representative and the website is unclear. I will be unenrolling in auto debit. I feel that this loan servicer has stolen money from me.
Consumer complaint received 2023-11-27
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. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (IN)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) Card received XX/XX/2018 Offer said : " Unlimited 2 % Cash Back '' " No Annual Fee '' " Earn {$150.00} Bonus Cash Back After you spend {$1500.00} in eligible net purchases within 90 days of account opening '' I spent over {$1500.00} within 30 days. The 90 days has passed. I never received the bonus. 

XXXX contacted. Their reply is that they will not give me the bonus that was promised. 

This is fraudulent business practice.
Consumer complaint received 2023-04-12
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-26
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. (MI)

I have several fraudulent accounts and addresses with 14 fraudulent inquiries. I will attach the FTC report with police report and photo of fraudulent inquiries. Listed below are fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX - {$1000.00} ) ( XXXX XXXXXXXX XXXX XXXX XXXX - {$380.00} ) ( XXXX, XXXX / XXXX - {$480.00} ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7300.00} ) Closed fraudulent accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( Please read identity theft report for fraudulent inquiries )