davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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. (MD)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$920.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  ; MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OH)

On XXXX XXXX on my pnc checking account, there was a charge for {$68.00} to XXXX  XXXX  that overdrew my bank account by {$46.00}. Later that day I made a {$50.00} transfer from my savings account that put my account back into the positives at {$3.00} and pnc bank charged an overdraft fee anyways even though their policy states that if the account is brought back to positives by the end of the day, no fee will be charged. They refused to refund the fee. 
From XXXX to current day, the account accumulated XXXX overdraft fees totaling at {$3600.00}, that would not have happened if that {$36.00} fee would have been removed. If that one fee on XX/XX/XXXX was refunded, and my account balance was adjusted correctly, XXXX of those fees equaling {$3600.00} would never have happened. 
They did agree to refund XXXX of the overdraft fees totaling at {$460.00} on XX/XX/2022. However they refuse to refund the remaining XXXX fees equaling {$3100.00}. 
We are somehow expected to feed our XXXX children and pay all our bills with no money because the bank refuses to correct an error. 

When I first opened my account, the overdraft policy was never explained to me. I signed their overdraft policy thinking it meant it would protect you from overdrafting your account but it wasnt until last week when an employee explained it to me that it does the opposite. 

We are trying to get our finances straightened out and its really hard to do when the bank took all our money.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (LA)

Hello, I have sent several debt validation letters to hunter warfield and they have also sent the same documents copies of a lease up until XX/XX/XXXX. They also sent a list of charges. On XX/XX/XXXX I mailed and also faxed them a new dispute letter because the amounts they were charging for was XX/XX/XXXX-XX/XX/XXXX. I never received a lease from them which showed the dates hunter warfield was trying to collect for. Hunter sent me new documents which I received XX/XX/XXXX. In looking at these documents it is clear that 1 they have been photocopied in their favor 2 signatures were used and copied from one lease onto another.While the original company XXXX XXXX or Hunter Warfield used these documents to try and collect monies they are not owed when all the steps were taken on my behalf when I gave notice of moving out. They just decided to report to the credit bureaus after 3 years about this debt without any prior notice or a change to properly dispute it before damaging my credit.
Consumer complaint received 2018-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

1-created obstacles to repayment by providing bad information 2-told not to consolidate loans in order to keep me in higher interest plan 3-improperly directed into interest only payments and forbearance over and over again 4-loans paid off still showing as open on credit report 5-customer service repeatedly unhelpful and unwilling to escalate problems. 

overall i have been mislead about my repayment options, making it more difficult and expensive than necessary to repay my loans
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately XXXX. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately XXXX. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2020-06-12
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: LEXISNEXIS (AL)

To whom it may concern, My name is XXXX XXXX and I am writing to you about an entry listed on my credit report which I have tried to have removed. Apparently, someone with the name as mine filed bankruptcy in XXXX Alabama and it appeared on my credit report. Through the credit bureaus, I filed a dispute stating that someone with the same name had filed this public record and it was not mine. Unfortunately, it came back verified by your company Lexis Nexis and it is still listed on my credit report. 

Frustrated, I decided to contact the Bankruptcy Court myself and they informed me that they do not provide any credit bureau and information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on credit reports. I ask that you remove it immediately and notify their credit bureaus of this mistake. I also request a letter that can be emailed to me by stating this fact. 

Thanks, I am attaching both a letter from the court and a letter from your company stating that I am not even in your database. 

I also attached the letter from the Bankruptcy Court and driver 's license. 

Also. If you need proof that there is someone with the same name as me in the same state with the same birthday, I have attached that too. I am neither XXXX  or married as this profile says.
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-08-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On Saturday XX/XX/2022 Credit Acceptance Corp contacted me via email and via website at XXXX in attempt to collect a debt. That is a violation under 15 USC 1692 c ( a ) ( 1 ) and 15 USC 1692d and is a fine of {$1000.00}. I have screenshots from Saturday XX/XX/2022 at XXXX of the time the notifications via email and the message sent via website.
Consumer complaint received 2021-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/21 a payoff check was sent to Ally in XXXX, KY by XXXX. Ive notified XXXX representative XXXX on XX/XX/21 & XX/XX/21 regarding the check was sent, provided the check # and the amount so it could be applied to my account. I spoke to XXXX XXXX XXXX on XX/XX/21 regarding my payment hasnt been posted to account and by not posting the payment to my account right away is preventing me from getting another loan due to this loan is still open and its almost time for another payment thats due. I notified Ally on last week that I sold the car on XX/XX/21 and provided them with the name of the company that bought my car. Per the XXXX XXXX she will send a letter to corporate to see if they can locate the check. I called Ally today XX/XX/21, spoke to a Representative name XXXX. Per XXXX, XXXX is in a meeting and I cant speak to her. I tried to XXXX the Corporate office phone # which gave XXXX that is not a working #. I located another ph # to file a complaint which was XXXX. That ph # wasnt for corporate but reached a representative name XXXX in Canada. I was transferred to another Representative name XXXX which stated he could not locate my account with my social security # and that I reached Ally and not XXXX. Ive called XXXX ph # XXXX which is the same ph # where I reached The Representative XXXX, XXXX and Supervisor XXXX. I received a called back from XXXX around XXXX today XX/XX/21 which she left a message saying she was going to email me with status. I received the email today XX/XX/21 from XXXX which she states she XXXX hasnt replied and she was going to email them again. Per Representative XXXX by phone on yesterday XX/XX/21, since the check was sent to XXXX, KY theres no account for them to post the check to so Corporate will have to locate the check and when the check is cash in XXXX, KY, the department will have to reissue another check to Texas. This will cause more delays if this happens! It appears that No one is trying to locate my check to apply to my account.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

XXXX XXXX account XXXX was illegally reported during a " covered period '' XX/XX/2020 this account was reported 30 days late during the covered COVID-19 period. This is a violation of 15 U.S.C 1681-2 ( f ) ( ii ) " covered period '' means the beginning period XXXX XXXX and ending on the later of ( aa ) 120 days afterMarch XXXX ( I ) report the account as current.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I opened up two loans on XX/XX/XXXX for a total amount of {$2800.00} from the Department XXXX XXXX XXXX. I only attended one semester at XXXX University so no further loans were opened after XX/XX/XXXX. The XXXX XXXX XXXX never reached out to me nor my parents one time ... even though, they had all our information. One day I was curious and decided to randomly check my credit score and saw it was knocked down 155 points. I immediately called the XXXX XXXX XXXX to find out what had happened. It's XXXX and they never thought of reaching out via phone or email. Instead, they were only sending physical mail and on top of all that they had the wrong address. My intentions aren't to bash the XXXX  XXXX XXXX XXXX , I just believe it's not fair for them to send a 90-120 day past due notice to collections when I never received one phone call or email that this was occurring. I'm a young kid who prides himself on doing things right and especially with something like my credit score. I really hope you guys could resolve this problem for me ... it would be greatly appreciated. Thank You
Consumer complaint received 2021-06-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (CA)

There are several hard inquiries that I DID not authorize. I've also contacted the companies and the bureaus. I sent letters and did online disputes with NO RESOLUTION. 

Here are the one inquiries that I did NOT authorize : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX Institution Information  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank Institution Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2022-09-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flandreau Santee Sioux Tribe (FL)

On XX/XX/2022, I received a call/voice message from number ( XXXX ) XXXX, from a woman named XXXX XXXX claiming to be with the Florida State Processing Department and informing me that they had been contacted by firm XXXX XXXX XXXX  who were seeking to file a collection claim against me via the XXXX XXXX XXXX XXXX I called the firm with the direct line and case number provided to me in the voice message and spoke to " XXXX '' ( didn't get his last name ). He sounded legit, stated that my debt was with Rushmore, and gave me account number XXXX. I agreed to a {$500.00} settlement and paid a {$200.00} installment on it on XX/XX/XXXX, with the remaining {$300.00} to come out this Friday XX/XX/XXXX from my debit card. After the fact, I realized that I had already paid two settlements on Rushmore, one  with XXXX XXXX XXXX XXXX on XX/XX/2022 for {$240.00} and another on XX/XX/XXXX with a company named XXXX for {$350.00}. Both of these, I found out, involved the same account number XXXX, while this one with XXXX and XXXX has a different one. In addition to that, I looked up reviews about the website and its direct XXXX XXXX XXXX XXXX XXXX line and have found that many have deemed it as a scam. I think I have partially fallen for this and want to report it. 

The info for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States Toll XXXX XXXX XXXX Email : XXXX My Account Number as provided by XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GREAT LAKES (TX)

XXXX XXXX and Great Lakes continues to send negative information to credit bureaus regarding my accounts. I have been sued by my own family, have had my XX/XX/2018 tax refund wrongly taken by the US Department of Education ( {$2000.00} ) which I included in a separate CFPB complaint, and have been facing eviction in my current place of residence. I have also had a lack of food due to lack of money. 

Because the US Department of Education failed to return my {$2000.00} tax refund or give me a reason as to why it was not returned to me, my car was repossessed. Now, looking at my credit report, I can not qualify to buy a new car because my credit has been negatively reported by XXXX XXXX, who is contracted by the US Department of Education. 

I would like them to take the false, negative information off my credit report. Mutliple contracted agencies are taking advantage of my terrible financial situation and I want it to stop. I want XXXX XXXX, along with ALL US Department of Education contractors to discontinue negative reporting on my credit. You are beating a dead horse. I have been faced with multiple evictions ( one because of the US Department of Education ) and have had my car repossessed because again, my refund was not returned to me. And now, as I try to fix the problem the US Department of Education and their contractors created ; they have sent numerous negative comments about my credit. 

The US Department of Education and their contractors need to work with me, not against me. I need to be able to buy a car and live my life. I have NO other negative marks on my credit, except for what the US Department of Education and their contractors have submitted. I am asking you to stop, it Is ruining my life.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (AR)

Hard inquiries by XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WI)

On XX/XX/XXXX I made a {$12000.00} payment towards my student loans on edfinanical. Since then I have been making a monthly payment of {$520.00} on the XXXX of every month. On XX/XX/XXXX I made the {$520.00} payment and my account looked as it should. On XX/XX/XXXX I logged in to my account and found that {$500.00} dollars had been added to my debt. I had not taken out any additional loans and no interest was applied. With some investigation I found that {$500.00} was missing from the XX/XX/XXXX {$12000.00} payment. It says I paid the full {$12000.00} but only {$11000.00} was applied to principal and none was applied to fees or interest. After my XX/XX/XXXX payment I had a remaining balance of {$1000.00} left to pay back. I had also paid off all of my XXXX XXXX loans and the only remaining group was XXXX XXXX.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL INC (TN)

I received a copy of my credit reports and noticed a collection account from Coast Professional Inc. on behalf of XXXX XXXX XXXX University. I contacted them and the credit bureaus to inform them that the debt is not mine and an account was created fraudulent and without my knowledge. I requested that the incorrect and verifiable collection be removed immediately.