davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

We had a series of XXXX in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX ( XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX   ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, Experian, and XXXX ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and XXXX. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I checked my credit reports to verify my personal information. Im unable to dispute the incorrect personal information via Experian, XXXX or XXXX  website. 
My name and SSN are wrong. 
My name is XXXX XXXX XXXX, not XXXX. 
My SSN is XXXX. 
My DOB is XX/XX/1987. 
My address is XXXX XXXX XXXX, XXXX, FL XXXX.
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (MN)

I never received a bill for the medical debt. After seeing the bill I can see why. It is because the debt is not mine. I notice a derogatory/negative mark on my credit report and called they company to find out why. They would not give me any information. I talked to XXXX XXXX and he could not find a debt owed at my current or previous addresses. He would also not let me speak to a supervisor. The response I received from the XXXX  said they never talked to me which is also incorrect. Because it is a fraudulent debt I do not want to give them my personal information although I did try to verify my address and they could not verify an address I have lived at for the past 15 years. The address on the bill is for the following address : XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX, OR XXXX I have never lived in XXXX Oregon and was living in Utah at the time of this bill. It is obvious from the address that I have never lived there because I was not living in a shelter. 

They do not have and corroborating information on the bill to show that it is mine. I would like to know how they linked it to me since it is not me and is fraudulent.????
Consumer complaint received 2019-11-07
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 checked my credit report to find a trade line from XXXX for a repossession. I have never had a car loan in my name at all nor have I ever co-signed for any car. The account is associated with my niece, XXXX XXXX, who used my identify fraudulently and forged my signature to obtain a vehicle loan. I had no parts in this and never authorized any kind of transaction like this as my credit has never been strong enough.
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (IL)

To whom it may concern, I have started disputing items on my credit profile that all are primarily related. The first item that was disputed connects with all of the alike charges from the same XXXX XXXX consultants. The first dispute had judgments rendered in my favor but the second was decided in the favor of the creditor. These charges stated previouslyshould have been paid through insurance due to the fact that I had medical insurance and also the fact that after settlement with the liable auto insurance, my attorneypaid my medical bills and took theirportion of what was agreedupon before I could get my compensation. Thus the bills pertaining to CMRE Financial services are not legit. Many of these charges seem as if they may be duplicates or manipulated due to the large of owed amounts and repetitious amounts allegedly owed. I haven't recieved mail stating that I owe this company and when asked they wouldn't provide dates when I used their service. Their are at minimum 14 accounts that they claim that I owe. I would like proof of their legitimacy and what information is required to disprove theirallegations. Thanks in advance!
Consumer complaint received 2019-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (MS)

I checked my account on my regions mobile banking app and transactions were shown from deposits into my account of XXXX dollars and sent through cash app to an unknown name. Once I saw this, I locked my account and went to regions and explained my situation. Regions bank investigated the situation. They got back with me and said they will not give me any credit for the claims and I was left with my savings account left in the negatives for XXXX that I have to pay back to the bank to get my account out of the negatives. These transactions happened XX/XX/2019. I can not pay that money back because I do not have the money because I am a XXXX XXXX  and I am not working right now.
Consumer complaint received 2019-11-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/XXXX I called USAA auto loan companies to get an extension on my auto loan for the Month of XXXX because I was already paid all the way through XXXX. The initial representative made a mistake and processed it for the paid month of XXXX and had to speak to a supervisor so they could correct it Ive been calling for hours at a time for them to practice and they still have not corrected it saying that they used my extension for the month of XXXX a paid month I was told multiple times they would correct it they will listen to all the phone calls and make sure that my next payment was not due till XX/XX/XXXX and that XXXX the proper month would be extended or deferred. After paying my auto loan biweekly for the past couple of years I am very upset that now that I have medical situations that cause me to ask for a one-month extension the one with extensive has been placed in properly and has now affected me in a negative light even though it should not I am asking for someone to step in and make sure that they process the extension/deferment properly for the month of XXXX and not take my XXXX payment and use an extension for a XXXX balance that is unfair to me as a consumer there are plenty of notes that stem from XX/XX/XXXX all the way through the month of XXXX there are voice recording this was an easy thing for them to correct they couldve either apply the extension properly for XXXX or Or simply use the XXXX payment for XXXX since the process to the extension for XXXX this is not difficult please look into the notes and make them correct this as Ive been a USAA member for 20 years with no delinquencies and now this may cause that and it was USAA bank error and they said fix this immediately thank you
Consumer complaint received 2019-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

I discovered an account on my credit from Midland Funding. I thought is was odd because I have lived at my current residence for 7 years and have had the same phone number for the same amount of time- I was never notified about the debt. 

That said, it is going on 90 days and I have yet to hear back from them ... however, they have contacted the credit bureaus are informed them that account number XXXX is my debt!!! 

I don't understand how this debt was placed on my credit ... .I was never offered the opportunity pursuant to the FCRA to dispute the debt if it were mine if I never received a collection notice? I don't know whom the original creditor is to try and get to the bottom of this. I have reached out to the XXXX  and the FTC as well to ask for assistance. This is unethical
Consumer complaint received 2023-12-28
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-09
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. (KY)

I applied for a mortgage loan and discovered that Experian has been reporting someone else 's mortgage, credit card, address, spouse, and social security information on my report. I haven't had a need to apply for new credit for several years, and my other reports ( XXXX and XXXX  ) are  completely correct -- didn't feel the need to check Experian. Wish I had. So now I'm trying to dispute the five addresses that weren't mine, the spouse that isn't mine, the two credit accounts that aren't mine, and the two SSNs that aren't mine. All the while, this is holding up my own mortgage application. I filed a dispute immediately with Experian, then went a step further to contact the mortgage lender in question to resolve the dispute as quickly as possible ( 30 days is not quick enough in a tough real estate market ). My problem is not that Experian has refused to correct the information -- that is still playing out over the next 30 days -- rather my problem is that there is material damage to my life because of an inability to obtain credit when I need it directly due to Experian 's negligent handling of my credit report. Though I have followed every rule, paid every lender on time -- essentially I have done my due diligence in being a good borrower -- I'm going to suffer and Experian has no consequences to be pro-active in making sure that every number matches, lenders also have no consequences to assure the information they transmit to the bureaus is correct -- or if there are consequences, there is no recourse for the long-suffering borrower who can't get a loan.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Good Afternoon, By way of introduction, my name is XXXX XXXX. I am a 30 plus year veteran in the credit and banking industry. I have carried a credit score of over 700 until relatively recently. My credit score has plummeted to less than 600 even though I pay my bills. Over a 30 or so year credit reporting history, I have been 90 days on 2 accounts 20 years ago, and I have had maybe 4, 30 days over the past 2 years or so.

The issue I have is that, even though i am paying, the credit card companies have lowered my limits. This in turn increases my utilization which in turn lowers my credit score. When one company does it, the others follow by lowering my limits to the balance owed. By doing so, the credit card companies are able to charge me the highest rates allowed by law while simultaneously limiting me in obtaining a consolidation loan or a credit card with a high enough limit to pay off others. 
Because of a recent XXXX XXXX  sons in college, and my work in the turbulent mortgage industry, I have used my cards more over the past 3 years, I carry about XXXX in credit card debt, more than I would like but manageable. I had hoped to get these consolidated but because my score is so low, I can not. In addition, when I review my score, the advice I get is to " open another credit card '' This will decrease your utilization rate. that's bad advice! 
I have talked with several friends and colleagues about this, and the vast majority are experiencing the same thing. 
Right now, I am trapped, with NO way out. Credit cards are necessary today and can be crucial in tough times. 
This seems to be a concerted effort to keep the consumer paying the highest rates possible while locking them into keeping the cards because there is no viable option to pay them off. 
I would ask you to look into the practices of credit card companies to see this and to determine what should be fixed. If not corrected, many consumers will simply give up and stop paying and what are the credit card companies going to do? ruin their credit scores, too late they are already so low it doesn't make a difference. Thus, there will be a huge write-off in the future. 
my cards are with XXXX, XXXX and XXXX 
thank you for your help!
Consumer complaint received 2023-12-27
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. (GA)

I am writing to formally file a complaint against Experian for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to Experian, along with the assigned identity theft case number XXXX. 

It has come to my attention that despite my dispute letter dated XX/XX/2023, Experian has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that Experian, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. 

I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge Experian to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. 

Your immediate attention to this matter is appreciated, and I expect Experian to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NY)

Starting XX/XX/2023, I received several emails welcoming me to Chime, requiring action to activate features, notification of a Chime Visa Debit Card, asking me to activate my card, etc. ( which I did not see right away because of the holidays ) for a new account I never set up or authorized. Then overnight I received 2 emails from Chime saying I successfully sent 2 people I've never heard of money using Chime 's feature, Pay Anyone, one in the amount of {$1900.00}. 

I called Chime 's fraud department and they immediately closed the account, but I want to know why I would receive a money transfer email from Chime when the fraudulent account was never linked with any bank accounts, etc. I also want to know what information was used to set up the fraudulent account and why Chime 's security is so substandard and inadequate in a world now where everything requires double authentication. If this fraudulent account was never activated or linked, how were the scammers able to send me {$1.00}, then have me pay them back {$1.00} before the 3rd transaction ( supposedly ) of {$1900.00} and where in theory did that transfer of funds come from? 

If Chime is going to be in the Financial Technology space, they need to significantly improve their security and be able to track where these transactions originate and answer these simple questions noted above. I need to know as I now need to monitor for other potential identify theft issues if the scammer has significant personal information which could allow them to open other accounts, etc.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX  Portfolio Recovery was sent a certified dispute letter requesting validation of an alleged debt owed by XXXX XXXX in the amount of {$580.00}. As of today, XX/XX/XXXX  they have failed to respond to the letter or provide legal documentation such as a promissory note or contract bearing my signature which holds me legally responsible for this alleged debt. Portfolio Recovery is illegally reporting a false debt to the credit reporting agencies without notifying me in writing first. It is a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to a verification letter.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, 2023 Having informed Reporting Agencies that my request to, Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all Authorization I the consumer may have given you Written, Unwritten Verbal, and non Verbal per 15 USC 6802.
Consumer complaint received 2023-12-27
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: Experian Information Solutions 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 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 2019-11-07
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 disputed accounts several times with Transunion ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ) due to the accuracy and fairness of how the below mentioned companies continue to report these accounts to the credit bureau inaccurately. Transunion continue to respond to my disputes as the accounts were either verified as accurate or have been updated, however, they are still reporting inaccurately. Such as : XXXX XXXX - failed to send a deficiency letter to support their claim and balance they continue to report. Furthermore, they are reporting that this account has either charged off or is in collections, but they still continue to report a monthly payment and the high balance is inaccurate. They are in direct violation of the FDCPA and FCRA. I have requested this account be deleted permanently from my credit file as this is having an adverse effect on my credit score, furthermore, they are violating my consumer rights. 

XXXX - is reporting several accounts on my credit report, however, they continue to re-age this account monthly, which is a direct violation of the FDCPA and FCRA. 

XXXX - continues to re-age this account on my credit report and have failed to provide proof of the balance they are claiming I owe, in addition to this account reporting that it has been sent to collections or has charged-off. The high balance is also inaccurate.