davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (MA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-20
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$800.00}, {$1600.00}, {$1900.00}, {$590.00}, {$0.00}, {$900.00}, {$6000.00}, {$1200.00}, {$1100.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX BAN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX BANK XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

5. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$590.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

9. XXXX FUNDING with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (VA)

i call this company nicholas financial about 2 months ago about a matter they they are reporting on my XXXX  report i spoke to a young guy name XXXX he told me that they had sold the car that got repo fir {$1900.00} at a auction ... Ok so on my XXXX  credit report the are reporting a balance for {$15000.00} That saying i owe thats is miss leading how i owe that and u all wrote that off on u all taxes and sold the car for {$1900.00} as the guy XXXX that works there said it sold for {$1900.00} and also i have request for all documents i wan na see all PAYMENTS made or miss i wan na see all applcations with my name and show me id i wan na see payments insurance forms and i want a acution recipt ASAP for my records according to the fcra its my right to request all documents and if i dont recive these items with in 30 days i will push for further legal action and also plz send all payments recipts because u all have so many late dates on my XXXX  reports that are fraud and u all no but keep telling XXXX  everything verfiled its not right to report fraud information on people credit that trying to make a change in there lives my score been hurting for months form u all report missleadinfg info on my credit report plz fix in 30days PS.. plz SEND ALL DOCUMENTS TO ME FOR MY RECORDS FOR LEGAL ACTION
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Flexible Finance, Inc. (TX)

Every other month I keep seeing flex finance showup on my transition report. I have told this company plenty of times I do not want or will ever use their service and to close and delete my information and account yet they keep reporting on my account the account is closed. They are abusing the credit reporting on people account!!! I dont want to ever deal with this company and for some odd reason they keep opening my account after I get an email stating the account is closed! Its now XXXX and last I felt with those company is XXXX!!! Why wont this company leave me the F alone!!! This is identity theft
Consumer complaint received 2020-11-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (VA)

Account is 5 days past due ( next payment due XX/XX/XXXX ) and have received at least eight phone calls throughout the day beginning at XXXX XXXX. from various spoofed numbers throughout the country including numbers from area codes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. A caller from a number originating from XXXX, Arizona at XXXX XXXX XX/XX/XXXX asked for my social security number which I refused to provide as the incoming number was not clearly identified as Conns. Another caller, identifying themselves as Conns, advised my phone number did not correspond with my account. Calls have continued despite a payment arrangement being enacted and validated online through the collection department. Calls have repeatedly continued although I have asked repeatedly that they cease. I asked to immediately return a telephone a call from area code XXXX and was told by caller that I could not return a call to the number from which he was calling and was provided a XXXX telephone number. Agents at this number advised I had failed to make a XXXX payment thus triggering the monsoon of calls. This information does not correlate with my bank account statements or online Conns account, which clearly states next payment due XX/XX/XXXX for a one month payment, I can clearly see a payment processed for the month in question. Online account history does not indicate any default. I was advised there was no supervisor who could speak with me. 

In XX/XX/XXXX, I received an email from Conns addressed to someone of a totally and very dissimilar name with foreign account information and details of a payment arrangement with Conns. I immediately called, fearful that my account was somehow entwined with someone else. I was told to disregard the email and the issue would be escalated with a response in 24 to 48 hours, I never heard from anyone calling from a legitimate Conns number.
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Incomm Holdings Inc. (AZ)

I received in the mail 2 MasterCard loadable debit cards that I DID NOT REQUEST! I called the number listed for customer service and didn't like the direction the conversation was going. I simply wanted to know why I received these cards that I DID NOT REQUEST and the service rep started asking for personal information that I did not want to give. The company is : InComm Inc. XXXX XXXX XXXX, XXXX XXXX GA XXXX. Their phone number is XXXX
Consumer complaint received 2020-10-31
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: Navient Solutions, LLC. (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : SALLIE MAE # XXXX, SALLIE MAE # XXXX, SALLIE MAE # XXXX, SALLIE MAE # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (AL)

A complaint was filed against Procollect back in XX/XX/2020. I received a letter stating the account would be deleted from my credit report. Although, I paid the account in full, it is still being reported monthly on my account and still has not been removed! I was told it may take up to 90 days. It is well beyond 90 days, Pandemic or not.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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. (TX)

I am reaching out to dispute the ongoing verification of an account on my credit report. Attached are letters that clearly prove the information being reported is inaccurate. Despite this, your agency has failed to make the necessary corrections and continues to report the information as accurate. 

This failure to correct the inaccurate information violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which mandates that you investigate and correct any inaccuracies. I kindly request that you conduct a thorough reinvestigation and either correct or remove the inaccurate information from my credit report to ensure its accuracy.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

This company is reported late payments on my credit report and I have directly sent them a dispute letter requesting them to correct the information and they have failed to yet do so and has also continued to. Pursuant to 15 U.S.C 16681a ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is reporting transactions between me and the company which states is excluded from my consumer report. Pursuant to 15 U.S.C 1666b timing of payments to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2020-10-31
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. (MI)

Hi my name is XXXX XXXX XXXX and i am the victim of IDENTITY THEFT and i have filed a police report and filed a federal identity theft report with the FTC. I sent a copy of my FTC IDENTITY THEFT REPORT ( which is the only document i am required to send by law ) to Transunion CERTIFIED MAIL on XX/XX/2020 along with a request for the fraudulent accounts to be blocked as my rights according to FCRA 609 ( e ) ( 15 U.S.C. S 1681g ( e ). EQUIFAX has denied me my rights as a consumer and according to FCRA they are breaking the law. i am including in this complaint a copy of my FTC IDENTITY THEFT REPORT, AN OFFICIAL COPY OF MY POLICE REPORT, THE NUMBER TO THE DETECTIVE HANDLING MY IDENTITY THEFT REPORT AND THE POLICE DEPARTMENT WHERE MY POLICE REPORT WAS FILED ALONG WITH THE NUMBER TO THE POLICE DEPARTMENT, ALSO I AM INCLUDING, ALONG WITH THE RECEIPTS FROM THE XXXXS. POSTAL SERVICE WHICH SHOWS THE DATE AND TIME THE LETTERS WAS RECEIVED BY EQUIFAX, ALSO I AM INCLUDING IN THIS COMPLAINT A COPY OF MY STATE DRIVERS LICENSE ALONG WITH MY SOCIAL SECURITY CARD SO THAT EQUIFAX CAN SUCCESSFULLY IDENTIFY ME.
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (FL)

PNC Bank admitted to false advertising in response to a previous CFPB Dispute of mine. PNC stated " PNC reviewed the telephone conversation you had with PNCs Customer Care Center and determined that the representative you spoke with provided you with incorrect information. On XX/XX/2020, an employee incorrectly advised you about Zero Fraud Liability, and that the Account would be credited in two ( 2 ) days ... .However, on behalf of PNC , I apologize for any inconvenience you may have experienced. '' -- -- -- - PNC willingly admits that I was " provided with incorrect information '' on the XX/XX/XXXX phone call and offered an apology for there wrongdoing. -- -- -- -- Also substantial injury occured to me as I the consumer lost money from fraudulent transactions drawn against my account. The cost of PNC Bank to establish a minimum level of due diligence, monitoring, and response procedures to remedy the problem would have only been the cost to train an employee to not provide a customer with false information over the phone, which is far less than the amount of injury to me the consumer that resulted from bank 's avoiding these costs. I could not avoid the harm because both I and PNC reviewed the telephone conversation I had with PNCs Customer Care Center and determined that the representative I spoke with provided me with incorrect information.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Immediate Action Required Experian 's Continued Violation of FCRA and Debt Bondage Act I am filing this complaint against Experian for their blatant disregard of my rights as a XXXX  XXXX  survivor. Despite providing an attestation and a verified letter from an agency, Experian has refused to remove fraudulent accounts tied to my name. Experians inaction is not only negligent but a direct violation of federal laws.Specific Violations : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681c-2 : Experian is legally obligated to block information derived from identity theft upon receiving proper documentation. I have met all requirements, and their failure to act is a flagrant violation of this statute. 
15 U.S.C. 1681i : By refusing to investigate and correct inaccuracies within the required timeframe, Experian is in clear violation. Their inaction is unacceptable, and I will not stand for it. 
Debt Bondage Act Violation : Experian 's refusal to remove the accounts after being provided with substantial evidence is a violation under the XXXX  Victims Protection Act ( TVPA ). The law protects survivors from financial consequences stemming from their exploitation. Experian 's disregard for this law shows their indifference to federal regulations and to my rights as a survivor.
Consumer complaint received 2024-01-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MONEY SOURCE, INC., THE (KY)

On XX/XX/XXXX XXXX issues and escrow analygis showing a shortage of roughly {$370.00}. 
On average {$5700.00} - {$6100.00} was paid each year to taxes and insurances. The XXXX XXXX, XXXX analysis states that I am required to keep a balance of {$2800.00} and then raised my escrow payments from {$480.00} to {$510.00} despite having close to half of the escrow payment in the account that rolled over from the previous year. 

Not only does this exceeds the amounts federal law outlines when I called XXXX bank the customer service person stated I was required to keep XXXX percent as well. I can provide a copy of the phone conversation as I record the conversations and XXXX bank has a copy of the phone conversation. 

2. On Form 1098 for Calendar year XXXX it states an ending balance of {$1200.00} which is incorrect. 

3. On form 1098 Calendar XXXX it states a starting balance of {$1200.00} when records show {$2000.00} had been paid extra in XXXX and carried over to XXXX showning about {$830.00} not accounted for between XXXX XXXX. XXXX bank did not issue any overages refunds even though there was a escrow surplus of {$50.00} or more. 

5. The account history is not accurate and XXXX bank backdates and adjusts the schedule to fit their needs so errors don't stay documented. For instance In XXXX XXXX the payments were credited to the escrow account and not a regular payment. XXXX bank reported my payments for these months as late even sending foreclosure letters. 

XXXX At no time this year has my account even fell close to the required " cushion '' in XXXX bank reported late payments to XXXX, XXXX and XXXX, for XXXX, XXXX and XX/XX/XXXX. XXXX  bank charged me added fees and notified the VA of foreclosure. However based on the transaction history payment dates, it shows no payments much less XXXX that were more than 30 days late? XXXX Essentially despite the XXXX analysis having a starting balance of {$2800.00} XXXX bank increased my escrow payment to account for a " shortage ''. Based on the analysis which I made over XXXX phone calls to XXXX bank that representatives relayed false and inaccurate information, XXXX bank carries almost $ XXXX each year. Funds that will be essentially lost for the next 27 years.
Consumer complaint received 2024-10-07
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. (NC)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00}
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

Upon reviewing my credit file, I have discovered several inquiries and collections that are incorrect and fraudulent. These inaccuracies are damaging my credit score and financial reputation, and I request that they be promptly removed from my credit report.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I am putting in a complaint because XXXX XXXX Lexis Nexis has reported My bankruptcy when in fact my bankruptcy court has given me written proof stating they indeed don't report to the credit bureaus.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ) an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX, account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.