davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act convergent account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I demand the removal of the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I demand the removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$12000.00}. 
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 ) -- OPEN ACCOUNTS 1.  XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-09-08
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

There are 4 account listed on my report. I have dispute these multiple times and these are not mine. I have XXXX and XXXX and have not had any procedure these don't cover. The original credit is showing credit bureau services I have no idea what this is
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Synovus Bank (NC)

I was sick with XXXX and was not able to make my card payment. I called them to and paid half of the balance off and set it up for automatic payment I ask them to waive the late fee and remove the late payment but it has not been done as of yet. 
Date Reported XX/XX/2020 Payment Status 30 Days Late Amount Past Due {$29.00} Account Details Bureau Name FIRST PROGRESS CARD Account Type Credit Card Responsibility Individual Credit Limit {$600.00} Credit Used 55 % Highest Balance {$330.00} Payment Details Amount Past Due {$29.00} Date of Last Payment Not Reported Monthly Payment {$40.00} Payment Frequency Not Reported On Time Payments 100 % Worst Pay Status Current
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, 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. (OR)

Experian shows a 22 pt drop on my score. I have tried to call 3 different numbers and only have gotten an automated answer.

I finally found a number to call online and purport that I am a business to get to actually speak to someone, and when I called that number, the message said there would be a 2 hour wait.

My score is excellent, but this kind of drop with no explanation, in these times, made me very worried.

This is no way to run a consumer support business!
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

ENHANCED RECOVERY COMPANY XXXX XXXX XXXX  XXXX XXXX, FL XXXX I have sent ENHANCED RECOVERY COMPANY two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$590.00}. The company has failed to respond to verify.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (NY)

Complaint Description As XX/XX/XXXX I was affect by covid 19 and was layoff I called card company and explain my situation as apply for XXXX XXXX  among the wait time and they put me on a temporary relief program as my payments were made every month on time prior. The relief program expire as was still not working due stay at home by the governor. 
I assume the relief program was over in XXXX as recieved a call from card company XX/XX/XXXX the rep said I owed {$130.00} this included late fees I think she said other fees I said still not working then said I owed {$52.00} paid XX/XX/XXXX {$110.00} as my bill generally {$50.00} per month and all my payments were on time prior to this, I assumed was next due XX/XX/XXXX as recieve a call today from XXXX XXXX XXXX it was verve collection saying I was more then 30 days late and need {$140.00} as could hear her that good. I explained my last payment XX/XX/XXXX made was {$110.00} that was get me to XX/XX/XXXX as the last rep XX/XX/XXXX did not say I would have to make a payment for following month as I assumed was due XX/XX/XXXX. 
Today rep was said AGAIN being charged all these fees as being affected by covid 19 and not working I asked her was this being reported to my credit report as past due over 30 days she said yes which should have not happen as I'm looking for a new job and every employer check your credit report as I work in finance and this is now going to affect me going forward as we being taken advantage of during theses trying times as looks like verve company is taking advantage of the uneducated consumer. I asked please help me as trying to get back on my feet and making payments to verve card company there looking milk the poor people in a difficult time in a pandemic and make a extra buck while doing so. I see continental finance has prior violations by CFBP before as the company was being monitored and seem like they are doing it again, I keep making payments each month and some extra and every month I'm still over the limit you call the company and they tell you everything is fine but continue charging hidden fees to purposely making make you over your limit. I have reach out to the attorney general office for regarding continental finance illegally business practices but seem not getting nowhere as of today I just got another alert XXXX I'm over the limit again when keep making on time payments and some extra payments seem that I will get caught up.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2020-09-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc (NY)

Today, XX/XX/2020, I received a credit alert from XXXX  regarding KLS Financial XXXX XXXX XXXX XXXX, NC XXXX, placed an account in collections as derogatory. I DO NOT have an account with these people and never have, I havent been to North Carolina in 25 years. They falsely claimed a debt belongs to me and am insisting that I pay it or else. I did NOT give this company my social security number. I did NOT sign anything. They found it from someplace and am using unfair and fraudulent practice to collect on this debt. I spoke to Mrs XXXX and XXXX XXXX who are insistent on reporting this debt as mines unless I pay. They are messing around with my credit and social security as well. According to XXXX  today XX/XX/2020, Someone called to dispute my charge yesterday on XX/XX/2020, however, I didnt find out until this morning, leaving me to believe they are playing around with my social security number that I did not give them. They must have looked it up. They should not be allowed to place an account in collections if they can not prove the account belongs to that person.
Consumer complaint received 2020-09-06
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 (AL)

I filed a dispute with Lexis Nexis involving a public record that is incorrectly reporting on my credit report. It is a Bankruptcy filing showing the " assets and liabilities '' sections incorrectly. They are required by law to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and then sent me some canned letter that told me what they are " supposed '' to do. I don't care about what you are " supposed '' to do, I want to know exactly what you " actually '' did. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS. I obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of Lexis Nexis refusal to investigate properly.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I AM DISPUTING THIS ACCOUNT AND I AM REQUESTING IMMEDIATE REMOVAL OFF THE THREE REPORTING CREDIT BUREAUS. THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE SUBMITTED A RECEIPT TO SHOW PROOF OFF ALL THE PAYMENTS.
Consumer complaint received 2024-10-22
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. (MI)

Dear CFPB, Its truly fascinating that in XXXX, companies like XXXX XXXX XXXX XXXX still seem to have a creative interpretation of what constitutes verification and proof of debt under federal law. Im writing, once again, to highlight the blatant disregard for consumer rights that XXXX XXXX XXXX has demonstrated regarding an alleged charge-off that is still haunting my credit report. Lets be perfectly clear : this is a demand for accountability and action, as XXXX XXXX XXXX has failed to produce legitimate proof that this debt, particularly one tied to alleged mileage overage charges, is in any way mine.

To begin, I am invoking my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) where is the documented proof? Where are the itemized charges? The wet ink contract with my actual signature? Or did they perhaps forget that the law doesnt allow them to charge-off debts they cant properly verify? Im waiting for somethinganythingthat remotely resembles legitimate proof of this debt. 

But instead, what do I get? A repeated charge-off still lingering on my credit report, yet XXXX XXXX XXXX continues to collect mileage overage fees. Thats quite the double-dip, isnt it? I mean, charging it off for accounting purposes ( to perhaps secure a tax write-off ) while still benefiting from their collection efforts. If this isnt a text-book example of financial sleight of hand, I dont know what is.

Let 's talk about their ongoing violations of my right to privacy. According to Title 15, U.S.C. 1681b, they are bound to ensure that any access and reporting of my private credit data is accurate and legally authorized. Failing to remove this unverified and dubious charge-off is a clear violation of my consumer rights. So let me remind XXXX XXXX XXXX that each violation of the FCRA entitles me to {$1000.00} in damages.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Experian is stating XXXX XXXX # XXXX is reporting my account as Refinanced and that's not true. The loan was " PAID IN FULL '' and " PAID OFF '' early, so why would it be reporting as refinanced. 

Experian Status states " Paid Satisfactorily '' the loan was paid in Full. XXXX need to ensure Experian is reporting this information correctly as it affects my credit profile.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (DE)

I have been a customer since XXXX, I have never had an issue until this year and now I'm at a point where I will be cutting this card up. On Sunday XX/XX/XXXX, I rented a Moving Truck because I just moved into a new home. The merchant let me know that the deposit of {$100.00} would be returned to me in 2-3 business days, by Thursday I still had not been refunded my money so I called the merchant who advised me that they had indeed released the funds back to me. I call Serve customer service a rep states that it takes 5 business days and says Monday XX/XX/XXXX I would receive my money back. So here we are Monday and I still have not received my money, I call Serve customer service and this time I'm told that it can take up to 30 days to receive my deposit back b/c it falls under the " car rental '' category, unless the merchant has released funds. So again I call the merchant this time with the Rental truck rep on the phone and am told something different AGAIN! She states that regardless if the merchant released the funds or not it can still take up to 30 days. This is utterly ridiculous! Not only is that the only money I have after moving, we are in the middle of a Pandemic! I should not have to wait a month to receive money that a merchant has already released to you. I was not given any alternative option, and was told the system will automatically release it. This unacceptable on many levels, there is no logic in the reasoning and now I have to figure out what I am going to do for food, gas, and other necessities.
Consumer complaint received 2020-09-06
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. (NV)

I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (WA)

The service provider is " The Money Source ''. My loan number : XXXX I made principal only payment and accepted by the service provider. The amount ( {$5300.00} ) is much bigger than the monthly payment ( {$2200.00} ). The lender moved the fund to suspense account without justification. I tried to contact them but no satisfied result.

Detailed timeline : 1. My loan was closed on XX/XX/2020. 
2. I made 2 principal-only payments ( specified payment is principal only explicitly in the system ) on XX/XX/XXXX and XX/XX/XXXX, {$2600.00} each time ( {$5300.00} total ). 
3. The fund was applied to principal successfully but on XX/XX/XXXX, it moved to " suspense ''. 
4. I called and some representative helped me to move it back to principle on XX/XX/XXXX. 
5. But it became " suspense '' again 1 day later on XX/XX/XXXX. 
6. I called again and told my loan was transferred to Mr.Cooper and the official transfer date is XX/XX/XXXX, and the representative told me that's why the fund became " suspense ''. They told me the fund would be transferred to the new service provider ( XXXX XXXX ) and TMS won't pay any interest for the period the fund was held. 
7. Now I have an account with XXXX XXXX but I can not see my {$5300.00} applied to principal balance.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE INQUIRIES OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-12-29
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: EQUIFAX, INC. (GA)

*** Equifax***Inquiry details ; XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Furniture, Etc. 
XXXX Inquiry from XX/XX/XXXX Complete Dept. Stores XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Motorcycles & Bicycle SalesXXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies *** XXXX***Inquiry details XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Finance Cb XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank
Consumer complaint received 2020-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Paypal online message exchange below indicates the issue : PayPal XXXX XXXX Hi! I'm your PayPal Assistant. I can help with common questions like " what's the status of my dispute '' or " I want a refund ''. 

If I can't help, I'll transfer your message to an agent. 

XXXX XXXX XXXX  Transfer message to agent PayPal XXXX XXXX Our customer service staffing is limited due to the coronavirus ( covid-19 ) crisis. We've put together some useful information in the Help Center to quickly resolve your issue. I'll stay here while you take a look. 

Would you like to send this conversation to a customer support agent? We typically respond within a few hours. 

XXXX XXXX XXXX Yes PayPal XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded. 

XXXX XXXX XXXX Do not ever make changes to my account payment or opt me in for " other '' payment services such as XXXX XXXX You points which you did today in an e-mail I received. This is wrong. 

XXXX XXXX Hello! My name is XXXX and welcome to PayPal XXXX! I can see that you are contacting us because you do not want us to make changes in your account. I apologize for the inconvenience. I understand that you receive an email notifying that you can now use your XXXX Thank You points. Rest assure that there will be no changes that will be on your account and we do not do it without your authorization. The message you receive is simply to notify that you can use your XXXX point in making a purchase. 
Messages are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you. 

XXXX XXXX XXXX Thank you for your rapid response. I do not agree with it, and request Paypal not link into my account other payment methods. According to a review of my account today, an alternate payment methods on my linked XXXX credit card showed I could make payments with points using that credit card. Since the linked in option showed how many points I had with that credit card that could be used, unauthorized financial information was exchanged between XXXX and Paypal without my agreement. Your reply does not indicate Paypal will stop doing this, so I am taking additional action. Please reconsider what you are doing in this matter.