davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I am writing this complaint because I have tried working with the company and the credit bureau to resolve the fraudulent accounts that are on my credit report. I have provided them with a copy of my drivers licenses and a copy of my Social Security Card as proof that I never open any of the accounts listed and they are saying that because they have my personal information and the wrong address that this is my account. But this is truly Identity theft and under section 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. Of 15 U.S. Code 1681c2 - Block of information resulting from identity theft The following accounts must be removed and permanently locked from my credit report. 
The accounts are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking that your company make them comply with the FCRA or fine them and I will also file a lawsuit against them.
Consumer complaint received 2023-05-25
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. (CA)

There is a report from XXXX for the amount of {$710.00} as debt which is being double reported at XXXX XXXX XXXXXXXX for {$710.00}. I have filed multiple disputes and they have not been resolved.
Consumer complaint received 2022-09-20
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: PRANCER CAPITAL CORP (NJ)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resul from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland Credit will not provide me with the purchase agreement from XXXX or XXXX XXXX  They claim I owe these debts But I asked for proof and they cant show me he literally said in the chat it is not my debt This needs to be removed immediately from my credit Report!!!
Consumer complaint received 2024-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I visited XXXX XXXX on XX/XX/year>, and the front desk never informed me that I was being double charged by both the hospital and the doctor. I paid my doctor 's visit fee of {$120.00}, as the staff member only mentioned that amount. Now, the hospital is trying to charge me an additional {$870.00}, and I have no idea where that charge comes from. The only official charge I received was for the XXXX XXXX, which was {$440.00}. Its concerning that the hospital uses such unclear shady practices, leaving patients unaware of any hidden charges. Additionally, I am now being harassed by a company called Franklin Collection Services, which is contacting me with calls and letters demanding payment for a debt I do not owe.
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC (OH)

I went to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX residing on XXXX XXXX XXXX And I have always been sent statements in the mail. I remained on campus until XXXX after XXXX I lived off campus paying rent out of pocket. I had to resign out of school due to denial of financial aid appeal in late XXXX. Which I couldnt attend year XXXX. 
I recently called my school to ask about my Assumed debt which was {$9800.00} from dormitory fees. I was told that the Assumed debt was sent to Debt Colllector Reliant Capital solutions in the Month of XX/XX/XXXX. 
I was not sent a notification of the Assumed debt sold or notification to dispute no amount the Assumed debt was sold for to Reliant C.S. 
I received documents from XXXX in my email of ( Assumed Private Loan Debt ). 
I have not received anything in the mail at all since the Debt was sold.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

XXXX The Stale of North XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX of XXXX NC ; in Mock lenburs. XXXX XXXX, MAKE OATH AND SAY THAT : XXXX. I XXXX XXXX never received any Social security statements or checks mailed to me for the payment due to my daughter XXXX XXXX XXXX from her late XXXX XXXX XXXX XXXX from XXXX. 
The first letter l received from social security Administration was XXXX of XXXX after his death. I was supposed to receive payments for our daughter. In addition XXXX XXXX XXXX XXXX prior to his death was XXXX XXXX XXXX. She never inform me of any checks I was supposed to receive. I have contacted several departments trying to resolve this matter but I don't to no assistance. I was unable to receive any positive outcome. 
know if'it 's fraud? I have in the pass placed a fraud alert on my credit report also just recently an employee from Social security told me there was account open in my name from XXXX XXXX XXXX XXXX that I didn't open in XXXX. I contact the institution and they verified my identity & said there was no checks deposited to those accounts from Social Security XXXX. She the social security employee couldn't give direct information to How the checks I was supposed to have received was distributed. I ask her was it direct deposit or mailed. In either category I never received the checks. 
Furthermore XXXX XXXX XXXX XXXX closed out XXXX XXXX XXXX XXXX XXXX XXXX account that XXXX XXXX & I had together. I have contacted XXXXXXXX XXXX  and they verified the information concerning that matter. 
There has been several things I was blocked or wasn't aware of due to XXXX XXXX XXXX having XXXX over XXXX XXXX XXXX assets. 
I have copies of such stated documents. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX ny XXXX to his daughter address XXXX XXXX XXXX XXXX Ny. XXXX In conclusion I never received any checks from social security from XXXX XXXX for my daughter that was due until after XXXX XXXX XXXX XXXX. I'm asking that the Social Security XXXX please reconsider the payments from XXXX Social Security checks for my Daughter XXXX XXXX XXXX XXXX XXXX I look forward to a positive outcome for my Daughter. 
Sincerely XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

Dear Sir/Madam, I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt. as required under the Fair Debt Collection Practices Act. 
Specifically, I am requesting that you provide me with the following information : 1. The amount of the debt that you claim I owe.

2. The name of the original creditor to whom the debt was owed.

3. The date on which the debt was incurred.

4. Proof that you are authorized to collect this debt. 
I would also like to request that you provide me with copies of any documentation related to this debt, including but not limited to account statements, billing statements, and any contracts or agreements related to the debt. Please note that I am not acknowledging that I owe this debt. I am simply requesting that you provide me with verification of the debt, as required by law. 
I would appreciate your prompt response to this request. Please note that if you are unable to provide me with the requested information, I will consider the debt to be invalid and will take appropriate action to protect my rights as a consumer. 
Thank you for your attention to this matter.
Consumer complaint received 2018-06-20
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: SYNCHRONY FINANCIAL (NC)

I had another person 's name, address, phone number, and 31 adverse accounts mixed in with my credit report dated XX/XX/XXXX. I disputed this incorrect information with both XXXX  and the creditors by mail and numerous calls. I finally received a corrected credit report dated XX/XX/XXXX. During this time my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$5000.00}, ( XXXX balance ) and my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$2500.00} ( XXXX balance ) were both closed. My XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$10000.00}, has been drastically reduced to {$1400.00}. All of these good long standing credit accounts were affected due to the incorrect information received from XXXX. This has ruined my good credit and none of it was my fault!!!
Consumer complaint received 2023-05-25
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. (GA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-09-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Upgrade, Inc. (CA)

I made an online payoff on XX/XX/XXXX and waited for the money to be deducted from my account. Two weeks later, when nothing had been done I called them on XX/XX/XXXX and XX/XX/XXXX as well as emailed them, trying to get an explanation. I received several emails and letters saying the account was paid and closed. I tried to contact them in the second week of XXXX, XXXX and was told " out of sight, out of mind. '' I transferred money from the account back to an interest earning account and waited to hear from them. In the meantime, I received another letter saying the loan was satisfied. I even received the title. 
On XX/XX/XXXX I received a phone call saying my monthly payment was overdue. I explained to two XXXX what had happened.I offered to pay the payoff amount as of XX/XX/XXXX by check but they insisted I now owed interest on the loan. Just a crooked way to get extra fees out of their customers. Was not that much, {$150.00}, but from what I have read since this is a common practice for this company.
Consumer complaint received 2018-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CO)

CAVALRY PORTFOLIO SERVIC mysteriously added a negative account to my credit report. I monitor my report carefully. They date of the negative debt was during a time that I was traveling and I have not opened any accounts or new credit cards this year. They never appeared on my credit report until a few days ago claiming I was late on making payments. I believe they must have gotten my information when I applied for a car. It crashed my score by 50 points and now I have to pay almost an extra 100.00/month because of the information they placed on my credit report. 

I never did business with them nor do I have any missing accounts off my report.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year>2019 Employers : XXXX
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

This complaint is a mortgage issue/complaint with Community Loan Servicing , LLC .

My mortgage # 1 payment increased from XXXX XXXX a monthly payment of {$5700.00} to XXXX XXXX a monthly payment of {$6500.00} a month. This is an increase of {$740.00} a month in mortgage payment without any explanation. This is an increase of {$8900.00} in mortgage payments a year, which neither my property taxes or insurance increased in the amount of/to. 

My mortgage # XXXX payment went from {$3500.00} on XX/XX/year> to XXXX XXXX a new monthly mortgage payment of {$3800.00}, again without any explanation. This is a monthly mortgage payment increase of {$320.00} and {$3800.00} per year. 

It should also be known that I paid my insurance policies ( ATTACHED ) for both properties/mortgages in Full for 12 months, so it would be impossible for an escrow shortage. 

I have made multiple attempts to contact escrow management supervisors, specifically XXXX XXXX and XXXX XXXX with negative results. 

I am now forced to sell my homes due to this increase in mortgage payments which I can not afford, due to incorrect escrow analysis. 

This has been a nightmare experience.
Consumer complaint received 2024-09-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: U.S. BANCORP (NY)

Subject : Violation of Privacy Act of 1974 and Consumer Bill of Rights Dear CFPB, I am writing to report a violation of the Privacy Act of 1974 and my Consumer Bill of Rights by U.S. Bank National Association. Specifically, I was asked to provide my Social Security Number ( SSN ) by representative XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) without being informed if it was mandatory or voluntary, or if any statutory or regulatory authority authorizes the collection of my SSN and the uses that will be made of it. This violates 15 CFR 2004.28. 

On XX/XX/XXXX, I interacted with XXXX XXXX XXXX via email, and he informed me that we can not proceed without my SSN. However, he failed to provide the necessary disclosures required by law. As a result, I was denied my right to be informed, my right to safety, and my right to service. 

I am disappointed and frustrated with the services provided by U.S. Bank, specifically with regards to my recent application process. Unfortunately, my experience has fallen short of my expectations due to inadequate communication, lack of transparency, and insufficient knowledge displayed by XXXX XXXX XXXX. 

I kindly request the CFPB to investigate this issue and take necessary actions to ensure compliance with the Privacy Act of 1974 and the Consumer Bill of Rights. I request that U.S. Bank provide clear disclosure on the requirement and usage of Social Security numbers for applications and offer alternative methods for verification, if available. I have attached my communication records with XXXX XXXX XXXX via email for your reference. Please contact me at XXXX to discuss this matter further. I appreciate your prompt attention to this issue and look forward to a resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

Dear LVNV FUNDING LLC Account number XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that acontract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MI)

Company was asked on multiple occasions over past year to update and remove fraudulent accounts. Company refused on many occasions for run FCRA standard reports and continued to report inaccurate data. Company denied investigations when provided with correct information. Company did not investigate or confirm any information as previously stated. Attached is XXXX file that shows all the accounts company claimed to verify at FCRA standard do not exist.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MN)

In accordance with the fair credit Reporting XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written treat a payment on a credit card account under an open end 15 USC 1666B : A creditor may not treat a paym
ent on a credit card account under an open end consumer credit plan as late for and purpose.

Can you please remove late payments XXXX and XXXX of XXXX  I had XXXX and was in able to pay I was out of work for three months and it was hard finding another job but got back on track I have been paying so long on these account for Santander consumer, XXXX XXXX XXXX XXXXXXXX and so many things had happen between death of family member but I Im still committed to pay as promise please remove these late payments