davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (PA)

In accordance with the fair credit report Act. The list of accounts below has violated my federal privacy and confidentiality under 15 USC1681 This accounts are under 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  15 U.S.C . 1681 section 602a States I have the right to privacy 15 U.S.C. 1681 section 604a section 2 - It also states a consumer reporting can not furnish a account with out my written instructions 15 U.S.U. 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make a consumer report containing any of the following items of information.Any other adverse items of information, other than records of conviction of a crime. Which antedates the report by more than 7 years 15 U.S.C 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer report Agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. Please change the status to Paid or simply " Remove '' the account, and where is the proof of payment history for this account? These statuses are damaging to my report, which would not be happening if the bureau investigated properly and before posting derogatory information. Per FCRA, reporting must be 100 % accurate or this MUST be deleted.
Consumer complaint received 2021-11-26
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (MA)

My problem is with the united collection bureau, and XXXX XXXX 's hospital of XXXX Massachusetts. Firstly I never received a bill. I had XXXX XXXX XXXX 's with my email to which I never received a bill I also never received a bill in the mail. I knew I had some kind of bill coming from them so I was watching out for it. I tried to contact XXXX XXXX to which I could not get a person who could assist me after being bounced around from person to person for XXXX minutes and then hung up on I tried to use their online payment option. Which was not possible as their website was broken ( I returned and tried more times and it never worked ). This was around XXXX of XXXX. I then forgot about it because I had no way to pay it. Later I received a call from a number not listed on the united collection bureau list of numbers, from a person who I could not understand as they were speaking broken English asking me to pay a medical bill, to which they could provide no detail about. I assumed this was a scam and told them so they hung up and I never received any further calls, which made me even more firm in my belief that it was a scam. Only to find months later that my credit had been affected. I searched for the collection agency and found multiple numbers, so I called and left a voicemail at least two times. They have yet to return my call although stating they would call me back the next business day. I have been trying to pay this bill for a very long time, I have tried on so many occasions to pay this bill and yet I am unable to and now it's affecting my credit. At this point I have spent well over 20 hours searching and trying to find a way to pay/ contact them and I am unable to.
Consumer complaint received 2021-01-01
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. (MS)

I disputed by certified letter on XX/XX/2020 and XX/XX/2020 to Transunion on account from XXXX XXXX XXXX to validate this account belongs to me by copies of documentation associated with this account bearing my signature. I told them twice i did not consent to e-Oscar or any other means of automated verification. 
Transunion has violated federal law
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (IL)

my BROTHER XXXX XXXX XX/XX/2021, I HAVE CONTACTED CHIME SO MANY TIMES IT IS NOT FUNNY.I HAVE SUBMITTED ALL THE PAPER WORK THEY ASKED FOR EXCEPT HIS PHOTO I.D..I SENT BACK IN WRITING COULD NOT OBTAIN FROM STATE OF ILLINOIS DUE TO FRAUD PROTECTION.I AM TRYING TO RECOUPE MONEY FOM HIS ACCOUNT, BUT GOT NO RESPONSES AT ALL.
Consumer complaint received 2021-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

I terminated my service with XXXX in 2018 and returned all the equipment. I received a notification on my credit monitoring on XX/XX/XXXX that a collections has been filed against me. I already escalated the issue with XXXX and they admitted their error ( ticket # XXXX ) but don't think my credit report can be corrected for up to 8 weeks ( 45-60 days ). It could take up to a month to notify the collections company ( CBE ) and up to another month to remove from my report. This time frame is unacceptable. I am in the middle of refinancing a mortgage. A negative mark on my report will lead to a higher interest rate that costs me thousands of dollars. This is essentially fraudulent billing in which they already admitted to have a record that the equipment was returned, and still billed for it. In addition, it is unconscionable to send something to collections 2+ years after-the-fact with no contact to me. I never received any email/call/mail regarding this charge, and in addition, the fact that it took only a few hours for them to confirm this was wrong suggests it was corporate malfeasance to NOT do due diligence before sending the debt to collections. 

You can see in the attachments my account shows a XXXX balance, and in the comments of my account screen, that equipment was already returned/removed from the account.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 3rd attempt to have incorrect, inconsistent, and unverified information corrected or deleted from my credit profile yet these items remain unchanged. I have not received any correspondence from your company in 60 DAYS. I am demanding that all disputed items below be removed pursuant to 15 USC 1681i ( a ) ( A ) ( 1 ) and 15 USC 1681 ( a ) ( A ) ( C ). 

My first letter was sent XX/XX/2021. There was no response. 
My second letter was sent XX/XX/2021. There was no response. 

As you know, continuing to report this inaccurate, incomplete, and unverified information makes you liable under 15 USC 1681n and/or 15 USC 1681o. The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

I have attached all of the previous letters and a copy of my credit report to this request.
Consumer complaint received 2022-01-11
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: BARCLAYS BANK DELAWARE (NY)

Good afternoon, My last day in my office was XX/XX/XXXX due to the pandemic. I returned and had no choice but to accept a demotion position on XX/XX/XXXX making approximately $ XXXX less. during the pandemic I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed or late on a payment. I contacted Barclays letting them know my situation and to make payment arrangement base on what I can afford at the time, and they refuse to work with me. They offered me a settlement instead and I accept it. I paid them in full. I contacted them and explained to them The Govt passed The Corona Virus Aid Relief Economic Security Act which was enacted in XX/XX/XXXX and that late payments should not be reported on my account. Even though I settled with them in XXXX of XXXX, they are still reporting the account is in collection which is incorrect. ( Dates on my credit report - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Late Payments ). I want the late payments remove from my credit report. I'm trying to refinance my home so I can pay off my credit cards and the late payments are messing up my credit score and it is hindering me from doing so. 
Thank you very much.
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I traveled to New York XXXX for XX/XX/XXXX weekend in XXXX. I noticed when checking my account balance on XX/XX/XXXX a paypal transfer to someone I didnt recognize. Also realizing I didnt have a XXXX account. I contacted Bank of America and notified them of XXXX separate transactions from XX/XX/XXXX to the XXXX totaling {$10000.00}. The BofA fraud representative completed the internal paperwork and BofA returned the {$10000.00} in funds within XXXX business days later. I was informed by the representative the fraud department would handle and no additional action was required by me. 

BofA then proceeded to withdraw the funds they returned on XX/XX/XXXX and XXXX of XXXX. I immediately notice these withdrawals and contacted the fraud department. They informed me that they were taking back the funds since it took XXXX days for me to recognize the fraud on the account and report it. They also stated in that same call they only received a response from XXXX with details of the fraud committed and provided me the persons name, originating address for the XXXX pickups, their phone number and email. I was then informed to file with the NY XXXX XXXX I contacted my local police department so they could transfer the complaint to the appropriate NY jurisdiction. 

Please note the fraud committed was a combination of the following of which would easily identify who perpetuated the fraud. 

Over XXXX Payments made to XXXX, XXXX different times a person transferred funds using XXXX XXXX, XXXX transfers and even XXXX orders of Dominoes pizza on the same day, along with the Lyft accounts. 

Bank of America with a minimal amount of due diligence and investigation could have easily found the culprit. Additionally, I was using my card at XXXX XXXX area in XXXX, FL the same days someone in NY was transferring, withdrawing, etc.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NJ)

I have requested XXXX XXXX and credit card account to remove these account from my report and they have not.

1. I gave no consent to report on my credit report, which is required.

2. The information is very inaccurate, and varies.

3. They have not produced the financial records to validate the debt as required by law. They only sent a statement of account not the records.

4. I have asked them to send me the XXXX XXXX XXXX and XXXX showing that they issued me a loan and they can not. 
STOP VIOLATIONS OF XXXX
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am not familiar with this account. I have been disputing this account for some time now and have reached out to Bank of America for validation of the debt. How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them. It has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-02
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. (TN)

Equifax will not remove 2 collection accounts that do not belong to me. 

XXXX XXXX XXXX XXXX was reported on XX/XX/2021 of {$1900.00}. I contacted this creditor and they told me that this account does not belong to my name, social security number or birthdate. They said they do not know why this is showing on my credit report, I disputed this collection twice. Nothing has been removed. 

XXXX XXXX XXXX was reported on XX/XX/2021 of {$490.00}. I also contacted this creditor and they told me that this account does not belong to my name, social security number or birthdate. They also stated they do not know why this is showing on my credit report, I disputed this collection twice. Nothing has been removed. 

XXXX XXXX XXXX stated they would launch an investigation and the general manager XXXX XXXX XXXX XXXX extension XXXX ) told me that this account belonged to someone else and they reported that to equifax but nothing has changed! 

My credit score dropped, if I want to use my credit to purchase anything, my interest rate will increase due to open collection accounts that are not mine and I may even be denied for a loan because of equifaxs negligence.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

My credit report alerted me to a collection that was added to my credit report in the amount of {$670.00}. bought from an original creditor, XXXX XXXX XXXX. This was a corporate account that has been inactive and dissolved since XXXX. I am NOT responsible for this debt. The collection agency has reported it as a new collection with original open date of XX/XX/XXXX. I have demanded that they provide me paper work to prove that I owe this debt, and the dates that correspond, and correct their error immediately. and still have no response. I have made a formal complaint with the XXXX, as well as, active disputes on my credit reports. This has affected my stellar credit rating, and has caused me a hardship in regards to interest rates on my existing cards, and refinancing my house. My father has been diagnosed with XXXX XXXX XXXX, and I find it despicable that this company can provide false and inaccurate information, causing tax paying consumers hardships, and during a pandemic to boot!. I demand that this collection account be removed from my credit report immediately. I fully intend to press forward and hold them accountable for any hardship that have caused now and in the future. This company has a history of complaints, and should NOT be allowed to continue to defraud the consumer and not be held accountable.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (GA)

I had an account with SELF lender where I never missed a payment nor was I ever late. The account is now closed reflecting it to be CHARGED OFF/REPOSSESSED. This is inaccurate as I never missed a payment nor was I ever in collections.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (PA)

I was looking at my Fortiva account available balance and noticed it was {$0.00}. I started to look at my previous statements and starting XX/XX/2021, my available balance was {$0.00}. Every month I have been charged a {$12.00} maintenance fee, that shows up on my transaction page. Every month I have paid the fee. I texted the company through their app to ask why my available balance is {$0.00} and they told me my account has been suspended. Once I got that text, I immediately called the company. I asked why was my available balance {$0.00} and why was my account suspended and they told me it was because I had not made a transaction in a year. Every month, there is a {$12.00} maintenance fee and then my payment of XXXX that shows up on my transaction page. If my account is/was suspended why am I being charged a maintenance fee, and if it is not considered a transaction, why is it showing up on my transaction history? When I asked the company these questions they just kept insisting that the maintenance fee was separate from transactions, but despite what they say those transactions show up as transactions and are noted as such. I asked to be refunded of my {$12.00} that I have paid since XXXX and they said that was not possible. I was never told my account was suspended until I called. There were no texts, no in app notifications and no mail.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is currently violating FCRA by reporting inaccurate and false data on my credit report. None of the account numbers match any documents from Department of EducationXXXX XXXX XXXX. There are XXXX different account numbers on Department of education correspondence, however none of them math what is being reported on my Equifax credit file. I disputed this directly with Equifax and they did not respond wiith in 45 days on my request, however Equifax drop my score XXXX points without cause since my dispute request. i have requested from XXXX via XXXX certified mail to remove these inaccurate i from my.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed bankruptcy in XXXX, all of my debts were discharged with that bankruptcy. I have not used my name, or ssn to obtain credit since that time. I've recently been exploring buying a home, and needed to check my credit to see what my current status was, and discover all of these charged off accounts, that were created after my bankruptcy. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XXXX XXXX Charge Off Amount {$18000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Original Creditor Name XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX  XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

I had a subscription to XXXX and used Paypal for the subscription. When I subscribed there was apparently an ANNUAL charge that I authorized and did not know it. I originally subscribed for 6 months at {$19.00} per month. The renewal happened automatcially on XX/XX/XXXX at the rate of $ XXXX and charged me a one time charge of {$650.00} on that date. I was not aware of the charge and did not catch it at the time. I cancelled my account with XXXX in XX/XX/XXXX. 

On XX/XX/XXXX ( this year ), I received a notice from Paypal that I had authorized {$650.00} to eharmony. I immediately contacted Paypal and found that I could cut off the preauthorization directly with them, which I did. However, Paypal says the notice was that it was " paid '' not a notice that I could cancel. So, I have an appeal right now with Paypal over this charge. 

I contacted XXXX, also on XX/XX/XXXX to dispute the charge, and the response was that they could not find my account. XXXX has no portal for communication to them on their website. It's all through third party email, which may or may not go through. XXXX did not give me any notice of the charge on XX/XX/XXXX, nor for the charge on XX/XX/XXXX. I have paid {$650.00} both years. I have not authorized either charge. I have received no service for either charge. I realize that I should have disputed last year 's charge, but I didn't catch it. I caught this year 's charge on the day I got the email from Paypal. 

Paypal initially refunded the money, then they changed it and said they will not refund the money, but that I can appeal. I have appealed and am awaiting their decision. 

XXXX does not acknowledge my account. They have received payment they charged off as annual, so that there's less opportunity for me to see it. A monthly recurring charge would be more visible in the account. Further, I never signed up for a annual subscription. I signed up for 6 month subscription at {$19.00} per month. XXXX gave no notice that they were charging me, and there's activity on that account I closed in XX/XX/XXXX.
Consumer complaint received 2021-09-02
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. (GA)

I submitted a dispute for a Fraud account on my Transunion credit report. It took over 30 days I have two still being investigated and two were removed. Transunion then dropped my credit score my 64 points after they removed the 2 disputed items in collections. This is the only Credit agency that dropped my score after removing the fraud accounts which should've increased not decreased the score.