davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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. (MS)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX  ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2020-04-26
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 — Problem with personal statement of dispute
Company: RoundPoint Mortgage Servicing LLC (GA)

My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 
My mortgage was transfered to Roundpoint Mortgage in XXXX of 2019. My XXXX payment that I paid to Roundpoint Mortgage was sent to my previous lender. Roundpoint mortgage then issued me late payments. This caused a trickle effect where as I have unwarranted late payments reflected on my credit report. I then changed banks and set up Autodraft payments. I have enclosed my payments for XX/XX/XXXX in the amount of XXXX. XX/XX/XXXX payment of XXXX. XXXX Payment of XXXX.
Consumer complaint received 2019-11-14
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. (NC)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (AL)

My mother was contacted on XX/XX/2023 by someone claiming to be a bail bondsman who was working on getting my sister out of jail and into a XXXX  facility. She put the man in touch with me so I could assist with digital transactions as this is not something she is familiar with. My mother forwarded an email to me that contained an attachment appearing to be from the XXXX XXXX XXXX regarding a felony charge against my sister. The charge was verified by checking the county website for current inmates. My sister had been picked up for a possession charge, which is a XXXX XXXX felony for certain XXXX  in the state of XXXX. 

The man stated he would require XXXX XXXX of her bond to work on her behalf to get her into court-ordered treatment. I received a request to pay via my Chime account in the amount of {$260.00} to satisfy the XXXX  XXXX  of the bond. I subsequently submitted this transaction via the app on my phone. 

Later in the morning, my mother received a call stating there were additional charges against my sister in a different city. According to the " bail bondsman, '' my sister had XXXX traffic violations in the city of XXXXXXXX XXXX. My mother received a second document via email attesting to these charges. The charges for this totaled {$600.00} and, according to the bondsman they would not agree to dismiss these charges until paid in full. Without dismissal, my sister would not be able to attend the rehab program. I then received a Chime request for {$600.00}. I was only able to pay {$260.00} due to transaction limits on my Chime account. I paid the remaining {$270.00} via a " barcode reload '' at a XXXX XXXX store. 

In total, the " bail bondsman '' received {$770.00}. As the day wore on, I became suspicious. I contacted the county jail to ask if they were familiar with this " bail bondsman ''. The jail confirmed it was a scam and not to send any money to this person as they were not, in fact, a bail bondsman.
Consumer complaint received 2023-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I was contacted by said company about a debt of {$140.00} I then sent certified communication back to the company demanding this debt to be validated and i be sent proof of the validation, the company sent me a copy of a bill XXXX  under FCRA does NOT constitute as proof that the debt is valid or belongs to me.
Consumer complaint received 2020-04-26
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. (FL)

( 103 true Identity theft ) I am a victim of identity theft since XXXX i have try over and over to get these two information listed blow deleted due to fraud, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i am a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed :, also filed a FTC report and a Police report to support my claim heres my FTC Report XXXX and Police Report number XXXX IVE CALLED XXXX  AND Experian over and over for the last past year going back in fourth i even called XXXX and XXXX which they both was unable to locate or verify any account using the same date of birth as me, my XXXX  Confirmation # XXXX and My Experian Report Number XXXX ... ... .. 
Account name : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX {$300.00} Account name : XXXX XXXX Account Number XXXX {$2700.00} XXXX XX/XX/XXXX ... XXXX 
these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a Job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IVE ALSO UPLOADED A COPY OF MY POLICE REPORT FILED WITH THE XXXX COUNTY SHERIFF 'S OFFICE AND MY FTC REPORT THANK YOU SO MUCH FOR THE HELP!!!
Consumer complaint received 2023-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

The servicer is denying my XXXX XXXX XXXX XXXX XXXX stating that I do not work for a qualifying organization whereas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my employer correctly completed and signed my application. 

On XX/XX/2022 MOHELA sent me a letter stating : " MISSING INFORMATION *- HAVE YOUR EMPLOYER CONTACT US XXXX You or your employer did not answer questions 9-12 in Section 3 confirming your organization type. The authorized official at your employer should contact us within 60 days of the date of this letter to provide us with this information so we can process your request. If you want us to consider your request after the 60 days, complete and submit a new PSLF Form and make sure to complete all of the required fields. 
For more information regarding qualifying public service organizations, review the Eligibility Criteria section of this letter. '' The XXXX application from was completed correctly and clearly states that : " 9. 
Is your employer a governmental organization? 
A governmental organization is a Federal, State, local, or Tribal government organization, agency, or entity, a public child or family service agency, a Tribal college or university, or the XXXX XXXX XXXX XXXX. Federal service includes military service. 
X Yes - Skip to Section 4. ''
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

In XXXX, PayPal closed our account for high-risk and advised we would be able to withdraw the balance in XXXX  days. With no luck in appealing, we waited XXXX  days and on the day it was supposed to be available for withdrawal, PayPal deducted the whole balance claiming it was for damages caused to them. 

My colleague spent hours on the phone to support but didn't get any reason or justification for the alleged damages which according to PayPal were worth XXXX It seems PayPal is notorious for doing this to their account holders. It is unethical.
Consumer complaint received 2023-01-16
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. (NJ)

Dear [ CFPB ], I am writing to express my extreme frustration and disappointment with the handling of my account by the credit bureaus. Despite my repeated complaints and requests for assistance, the inaccuracies on my account remain unresolved. 
The credit bureaus claim that my account was properly investigated, but that is simply not true. The open date, date last active, and date last reported are all inaccurate and these inaccuracies are in violation of my rights under 15 U.S.C. 1681 section 602 A, which guarantees my right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 
I demand immediate action to rectify these inaccuracies and remove these accounts from my credit report. I have been patient and cooperative, but enough is enough. I expect a prompt resolution to this issue and an assurance that my rights will be respected in the future. 
Sincerely,
Consumer complaint received 2020-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (SD)

XX/XX/2015, I reported to XXXX XXXX XXXX  that there were charges on my statement that I had not made. Prior to these fraudulent charges I had XXXX balance and wanted to close the account, which is how I discovered the fraud. 

XX/XX/2015, I received a letter from XXXX XXXX XXXX  Fraud Investigations, that stated " XXXX  XXXX has determined that you are not responsible for the charge ( s ) using your XXXX  XXXX credit card. '' I considered the matter closed, and that is where I went wrong. 

I have since disputed this with the Midland Funding, the collection agency that bought the now {$400.00} debt ( the original credit limit was only {$300.00} so how is that even possible? ) However, they are relentless, going so far as to ask me to borrow the money from my mom or my dad, who are dead! This despite the fact I tried to tell them the debt was not mine. All they care about is getting their money, not what is right. 

I have also disputed it through the credit reporting agencies. XXXX XXXX removed the negative mark, however, XXXX  has not. 

I have the original letter sent to from XXXX XXXX XXXX  as well as statements.
Consumer complaint received 2020-04-26
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: ALLY FINANCIAL INC. (CA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-04-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc (TX)

On XX/XX/2020 a debit for XXXX was posted and debited to my acc from XXXX XXXX. I had an agreement with my apartment complex to pay my rent on XX/XX/2020 and was unable to do so because my payment rejected. There was a pending transaction from XXXX XXXX that caused me not to have enough money. I called XXXX XXXX and customer service advised me it wasn't them even though the debit stated XXXX XXXX  on it and I was transferred to a collection agency called XXXX XXXX XXXX XXXX XXXX XXXX After I was verified I advised the representative that was my stimulus money that was for my already late rent. She advised that they could do this because it's in my agreement. I advised her why now after two years. Every time they attempted within the first six months of non payment I was sent an automatic email of the decline of payment. I received the letters that it was being charged off and going to collections. I've had my tax return earlier this year which was more than my stimulus and they never debited. I'm unemployed due to XXXX   XXXX and recuperation so that money or any money I get helps. Which brings me to believe that XXXX XXXX and AD Extra Recovery unlawfully used my social security number, debit card and checking account in and tracked my stimulus check through the IRS.
Consumer complaint received 2020-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

THIS IS A COMPLAINT AGAINST EXPERIAN, TODAY XX/XX/2020, I RECEIVED THE RESULTS OF MY COMPLAINT MADE ON XX/XX/2020 THROUGH THE CFPB PORTAL, AND I HAVE REALIZED THAT THIS COMPLAINT WAS NOT WELL READ BY EXPERIAN, BECAUSE IN THAT COMPLAINT, IT SAYS THAT I AM REQUESTING THAT ACCOUNT BE VERIFIED, THAT ALL THE INFORMATION IN THIS ACCOUNT IS SUPPLIED TO ME : XXXX / XXXX  # XXXX, THEY HAVE ONLY READ THE LETTER I SENT, WHERE THE DISCOVERY ACCOUNT WAS, BUT THOSE FROM XXXX / XXXX CONTINUES IN MY CREDIT WITH YOU. AND THIS IS THE ACCOUNT THAT I REQUEST THE TRUTH, ACCORDING TO THE LAWS OF JUST CREDIT, BUT WHERE DO THE RESULTS OF THIS PARTICULAR COMPLAINT COME IN? BECAUSE THIS ACCOUNT IS STILL REPORTED ON MY CREDIT, I GO TO THE CONSUMER FINANCIAL PROTECTION BURO, SO YOU CAN GIVE ME A COPY OF THE EVIDENCE THAT THEY SAY THEY HAVE TO DENY MY DISPUTE? I REQUEST THAT YOU SEND ME ANY DOCUMENT THAT ACCREDITES THAT BELONGS TO ME. I AM IN ALL MY RIGHTS TO REQUEST THIS EVIDENCE ACCORDING TO Practices Act, Section 1692g. 
1 ) THE ORIGINAL APPLICATION OR CONTRACT 2 ) ANY AND ALL STATEMENT ALLEGEDLY RELATED TO THIS DEBET. 

3 ) ANY AND ALL CANCELED CHECKS IN THIS COMPLAINT I AM SENDING A COPY OF THE LETTER THAT I HAVE SENT 60 DYAS AGO AND I HAVE NOT RECEIVED A REPLY, YOU AN EXPERT ABOUT MY REQUEST FOR VERIFICATION OF THIS ACCOUNT AND WHERE I REQUEST THE PROOFS THAT THEY SAY THEY HAVE. PLEASE READ MY COMPLAINT WELL I REQUEST THE PROOFS YOU HAVE, ANY COPY OF ANY DOCUMENT UNDER THIS ACCOUNT.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (IN)

Just received letter from afni , inc collection agency for att in the amount of XXXX. Closed this account in XXXX of XXXX. Att said could not closed account till it was paid in full. So paid the amount of XXXX of which they said would be owed. Now XXXX  months later I get bill from afni , inc saying I owe XXXX, but I have never received a bill for this or a call about it. Tried talking to afni but they were very aggressive and did not want to hear anything I said.
Consumer complaint received 2023-01-16
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. (FL)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave Equifax, XXXX and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and XXXX looking to purchase however these are fraudulent inquiry that hurts my credit score - EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 EQUIFAX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2020-04-26
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. (FL)

( 103 true Identity theft ) I am a victim of identity theft since XXXX i have try over and over to get these two information listed blow deleted due to fraud, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i am a victim of the XXXX Equifax data breach several accounts on my credit report are not mine listed :, also filed a FTC report and a Police report to support my claim heres my FTC Report NumberXXXX and Police Report number XXXX IVE CALLED Equifax AND XXXX over and over for the last past year going back in fourth i even called XXXX and XXXX which they both was unable to locate or verify any account using the same date of birth as me, my Equifax Confirmation # XXXX and My XXXX  Report Number XXXX ... ... .. 
Account name : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX {$300.00} Account name : XXXX XXXX Account Number XXXX {$2700.00} XXXX XX/XX/XXXX ... .. 
these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a Job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IVE ALSO UPLOADED A COPY OF MY POLICE REPORT FILED WITH THE XXXX COUNTY SHERIFF 'S OFFICE AND MY FTC REPORT THANK YOU SO MUCH FOR THE HELP!!!
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NJ)

On XX/XX/2020, DISCOVER STUDENT LOANS was contacted asking proof that I am a co-signer on this loan. I asked if I can inquire how they VERIFIED WITHOUT ANY PROOF, BEARING MY SIGNATURE.
Consumer complaint received 2020-04-26
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. (LA)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THESE DATES ARE WHEN IVE SEEN THESE ACCOUNTS. THESE ACCOUNTS ARE FRAUDULENT
Consumer complaint received 2020-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THESE DATES ARE WHEN IVE SEEN THESE ACCOUNTS. THESE ACCOUNTS ARE FRAUDULENT
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

ON XX/XX/XXXX, a letter was sent certified to Ally Financial contesting their information on my account and incorrect credit bureau reporting. 
I stated that while I was XXXX in a hospital, Ally repossessed my vehicle without any notices given to me and allowing me to cure my missed payments. After the vehicle was repossessed, they stated they made a charge of in the amount of {$22000.00}, and then stated there was a past due amount of {$1600.00} as of XX/XX/XXXX. 
UCC 9.506 and the RISA and MVISA statutes were violated here. 
Ally was contacted right after the vehicle was repossessed and they would not give me any information about the vehicle or my account.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MD)

PNC Acct info : Reserve - short-term savings XXXX - {$390.00} PNC says they will close my account - This is the acct that I use, this is my only acct - how will i pay my rent, how will i pay my bills, I tried to work things out with them but they refuse. 
Can you help I'm currently a XXXX and I have really tried to call, and speak with the reps, I've tried to email the manager - No response