davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (NY)

I have not been able to login to my account since XX/XX/XXXX. I have complained about this repeatedly to no avail. In the interim, I have not been able to make a payment and now I am faced with a late payment fee and a negative mark on my credit report that is not my fault. 
I have contacted the company requesting that this fix on this matter at least ten ( 10 ) times, including XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, etc., and I have received either auto responses or promises that the situation would be successfully addressed but nothing has been done.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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
Consumer complaint received 2022-11-08
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent notification before that I am a victim of identity theft and this XXXX account which i did not authorize and is not mine is still reporting on my credit report
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (NC)

After checking my credit report and noticed inaccurate and unauthorized items being reported, I contacted the bureaus to dispute these items and have them investigated. I have received responses stating that the disputes could not be completed because they dont believe that the notices came from me as well as responses stating that the investigation was complete and some items were verified. I questioned their verification process as some items were fraud and obviously the information used would match my information but they wouldnt confirm their process. Other items that I disputed, I received notification from the actual courts that stated they never verified nor do they provide information to the credit bureaus. I have provided a FTC report and police report for the fraudulent accounts and have made contact with the courts to remove other items but they stand on the fact that they cant remove what they never reported.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$13000.00} Has Violated my rights. 

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 written instructions
Consumer complaint received 2021-01-20
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation (MT)

I have been dealing with USCB Corporation regarding XXXX XXXX XXXX. They have claimed I took classes when that was impossible as I was in a XXXX XXXX  at the time, and I did not have, and still do not have the mental capacity to do college level work. I told them in writing, on the phone for both schools they represented, XXXX XXXX and XXXX XXXX XXXX, but they do not want to hear it, they want to collect fraudulent funds.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I received my Credit Report on XX/XX/XXXX and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have listed the hard inquiries that dont have any purpose to be on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08
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: Experian Information Solutions Inc. (GA)

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 following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX/DOFED Account Number : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-22
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)

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, IN XXXX XXXX  XXXX
Consumer complaint received 2023-07-17
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: Experian Information Solutions 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 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 2023-09-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NC)

I just pulled a credit report from XXXX that was generated on XXXX 

I paid all of the EdFinancial balances off in XXXX XXXX However, all of the balances from EdFinancial are showing last updated as of XX/XX/XXXX  and are still open. Now that we are going into XXXX, I believe they should be accurately updating and reporting the status of my balances. Especially since the payments on student loans are starting again soon, I do not want a chance to get marked as late payment because they are fully paid off, I have no need to make payments. 

Thank you, XXXX
Consumer complaint received 2023-09-20
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX 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 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I want my delinquent payments deleted from my XXXX  acct # XXXX. Under law 15 USC 1666 states you can not report delinquent payments on my credit report. I want them removed within XXXX hours of this complaint.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (GA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX AT T ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX CO 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 XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 delete 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 Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Loan Services, Inc. (CA)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my MIDWEST LOAN SERVICES account. I recently reviewed my credit report and observed that there may be discrepancies in the reporting of my account status. 

MIDWEST LOAN SERVICES XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MIDWEST LOAN SERVICES customer service representative. 

I would like to provide clarification regarding the status of my account during a specific period. Due to unforeseen financial challenges, I entered into a forbearance agreement with MIDWEST LOAN SERVICES to temporarily suspend payments on my account. I am pleased to inform you that MIDWEST LOAN SERVICES and I reached a mutual agreement during this forbearance period, wherein it was agreed that there would be no negative reporting to credit bureaus. 

I kindly request that you update my credit report to accurately reflect the agreed-upon terms during the forbearance period. There should be no indication of negative activity or any reporting that could adversely affect my credit score for that specific timeframe.

Enclosed with this letter, please find documentation from MIDWEST LOAN SERVICES confirming the forbearance agreement and the commitment not to report any negativity during this period.

I understand the importance of maintaining an accurate credit report, and I appreciate your prompt attention to this matter. Your cooperation in updating my credit report will ensure that my credit history accurately represents the terms agreed upon during the forbearance period. 

I kindly request that you notify me in writing once the necessary corrections have been made to my credit report. 

Thank you for your understanding and assistance in resolving this matter.
Consumer complaint received 2024-01-02
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: Braviant Holdings, LLC (OH)

I took out this loan with the intention to pay it off in less than a year. The amount was for {$1200.00} I knew when I took out the loan the interest rate was 223.99 %, Per the contract the interest accures daily. I have made 12 payments for the total of {$1200.00}. I contacted the company ask them for a payoff and they are still charging me the full amount for 2 years of payment. I ask if they would be will to negotiate a payoff and they kept repeating to me that interest is accurred daily and the payoff will not change. The interest they are charging is more than double than what I borrowed. I misunderstood when I read the contract I thought I would be able to payoff early and reduce that amount of interest that I would be paying back. I also have a debt consolidation company I am working with and they will not talk with them unless they have a power of attorney on hand. I offered to send it to them and they said they would have to get from the company that I am working with. I have tried to work with them. The only thing they would do was stop payments for 30 days. I have fallen behind on bills because they will not work with me.
Consumer complaint received 2024-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ATG Credit, LLC (NM)

In early XXXX I received notices from ATG Credit , LLC that it was trying to collect debts which I owed to XXXX XXXX XXXX, XXXX which I settled in a bankruptcy advesary case # XXXX in a stipulation entered XX/XX/XXXX in XXXX  XXXX Case # RS XXXX, XXXX Bankruptcy Court for Central District oXXXX California XXXX XXXX XXXX XXXX which called for a payment plan and eventual forgiveness of the balance in XX/XX/XXXX. XXXX had stopped accepting my auto bill payments from my credit union several months earlier. I called ATG Credit and spoke with XXXX on XX/XX/XXXX, asking for an accounting of my payments. XXXX said ATG has received XXXX of my checks post-dated from XXXX in XX/XX/XXXX, even though I had received no notice of the loan transfer and these payments had not been posted to my accounts. Per XXXX 's instructions, I e-mailed XXXX XXXX on XX/XX/XXXX with a dispute of the debt, request for accounting, and request to settle the debt or have the balance forgiven because this was the XXXX incident in 22 years of my payments that XXXX had screwed up acceptance of and accounting for payments which I tendered. ATG Credit failed to respond to my e-mail and request for an accounting dated XX/XX/XXXX. I sent another email with my change of address to XXXX XXXX at XXXX on XX/XX/XXXX but never received a response to my questions or requests. I am now applying for a limited license from the State Bar of New Mexico to practice law with a legal aid provider but ATG Credit 's lack of response is holding up my application.
Consumer complaint received 2024-01-02
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: Consumer Portfolio Services, Inc. (TN)

I have No Knowledge of these XXXX  inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than XXXX business days as per XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-01-01
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (TX)

WILLIAMS AND FUDGE Per FCRA as a federally protected consumer I am opting out of any and all authorization I the consumer may have provided, written, verbal, unwritten and non verbal for the duration of indefinitely per 15 USC 6802. Per Privacy Rights Act of 1974. Per IRS Publication 4681 Canceled Debts are certificates of indebtedness and are now reported as income and income can not be collected.

Action Requested : Remove from ALL Credit Reports.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (TX)

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. 

FOR XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.