davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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. (TX)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00}
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (FL)

I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My XXXX certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer. So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me. As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-30
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: Self Financial Inc. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (ME)

In XX/XX/XXXX I received a letter from a collection agency XXXX   XXXX, XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ), dated XX/XX/XXXX ) regarding Creditor : XXXX XXXX, regarding an amount owed of {$80.00}. As the only account I have ever had with XXXX was the standard account where all payments were made through my credit card or debit card, I was confident this did not belong to me. 

I contacted XXXX XXXX and they confirmed that this was a Business account created in XXXX under my SSN #, however an e-mail address that was not associated with me. After speaking with a XXXX at XXXX, he agreed the account looked suspicious and deleted the account and indicated that since there was not further activity on the account that the balance should be resolved. 

In XX/XX/XXXX, I received a second collections letter, but this time from a MRS BPO LLC agency ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). I contacted this agency, speaking to a XXXX XXXX and a XXXX. My case was sent for investigation. I received NO response back from the agency or XXXX credit even though I was told someone would contact me. 

I assumed the issue was resolved until I received another letter from MRS dated XX/XX/XXXX, with a NEW account #. This letter indicated a 'Charge off Date : XX/XX/XXXX ', no indication as to what this means. I contacted the agency XX/XX/XXXX and they said the investigation came back from XXXX indicating no change to collections balance. I was transferred to XXXX credit who could no longer locate the account to investigate further. XXXX then indicated that the debt had been sold from one collection agency to another and that maybe the debt had been sold prior to me resolving the issue with XXXX initially. At this point XXXX gave me a phone # XXXX to the original bank holding the credit ( XXXX ), however I had not luck contacting this agency to speak with an agent. At one point I was even transferred to an XXXX credit agent. 

Note that between XXXX when this account was created to XXXX I never received any communication from XXXX via phone, e-mail or mail indicating that I had an outstanding account. 

I have made every effort to contact the related agencies to resolve this credit balance that I do not owe and was told by XXXX would be resolved. At the risk of my credit score I am refusing to pay this balance since these agencies can not seem to bother helping figure out how to resolve this issue.
Consumer complaint received 2024-07-15
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)

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my name, as I have been a victim of identity theft.
Consumer complaint received 2024-07-15
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. (TX)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

My personal id was stolen and used to get loans. I filed all the fraud paperwork and FDTC report and sent to the credit agencies. My disputes are not getting processed correctly and the information is not attached to the disputes. I am not getting copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America took {$1200.00} from my Personal Checking Account ending in XXXX on XX/XX/year> to cover XXXX XXXX XXXX XXXX XXXX Credit Card Debt ending in XXXX. I called the bank and asked about the amount taken for my account. 

Bank of America told me the have the right to offset and would continue to take money from my Personal Checking Account to cover XXXX XXXX XXXX XXXX XXXX Credit Card Debt.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included a screenshot inside this complaint on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

I am experiencing a dispute with a merchant XXXX XXXX. Earlier in the year, I settled a debt with this merchant through another non Wells Fargo account. Once the debt was settled, I contacted Wells Fargo to request that it stop any future attempts by the same merchant to debit from my business account ending XXXX. I received verbal and written confirmation from Wells Fargo on XX/XX/2023 that the stop payment had been applied to my business account ending XXXX. In an email notice, Wells Fargo indicated it would block any future debit attempts by the merchant. According to a written stop payment notice I received, Wells Fargo promised that future debits will be automatically returned as stop payment, regardless of the dollar amount or payee information I had XXXX  XXXX on XX/XX/2023 and was unable to complete my normal daily check of the current balance in my business account ending XXXX. When I checked my business account ending XXXX on XXXX XXXX, 2023 I discovered that XXXX XXXX had debited {$20000.00} from my account. I reported the debit to Wells Fargo claims the same morning I discovered the funds were missing. 

I was notified by Wells Fargo on XX/XX/2023 that my claim to have the ach debit reversed had been denied.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXXXXXX XXXX breach.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX XXXX XXXX
Consumer complaint received 2024-07-15
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. (AZ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This accounts were not verified correctly and oppened FRAUDELENT under my name. Please remove : XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know when this accounts were oppened or amounts owed or if its current. I purchased a XXXX bureau credit report and notice this fraud accounts. 

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-15
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. (MN)

My credit has drastically dropped XXXX points in one day. The reason for this ( according to XXXX XXXX ) is a balance DECREASE to an account ( XXXX XXXX ). All accounts are in good standing, no missed payments in the last 3 years. XXXX will not help with reasons why this has dropped. XXXX calculations are not correct according to their factors : a balance decrease should not NEGATIVELY affect a credit score. XXXX refuses to look into this.
Consumer complaint received 2024-08-22
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation (CA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX Dealership in XXXX, CA. I was required to provide a down payment of {$2500.00}, which I paid in cash. However, the purchase agreement inaccurately reflected only {$800.00} as the down payment. Shortly after the purchase, I discovered that the dealership failed to properly file the necessary DMV paperwork, leading to the vehicle being towed and impounded due to expired registration that was already two years overdue. This happened approximately 3 weeks from the date of purchase. 

I contacted XXXX multiple times, but despite my efforts they were absolutely no help and denied any wrong doing, taking no accountability whatsoever. 

On XX/XX/XXXX, I finally was able to get through to a representative from OneMain Financial, who informed me that they could not defer my payments, despite the circumstances. That they would contact the tow yard, and the dealership and call me back. However, since that call, I have not received any further communication or assistance from OneMain Financial. 

As a result of these issues : 1. I have been unable to retrieve the vehicle and am now two payments behind, yet I continue to receive bills from the finance company 2. Ive incurred significant costs related to the tow and storage fees. 
3. I lost my job and housing due to my inability to use the vehicle, which was essential for both employment and accommodation. 
4. Despite my attempts to resolve the issue, including contacting the dealership and the finance company, the problem remains unresolved. 

I am seeking the cancellation of the loan agreement, a full refund of all payments made, and compensation for the financial and personal hardships I have endured due to the dealerships and finance companys negligence. 

The lack of action by both the dealership and finance company has left me without my vehicle and has caused significant financial hardship, including loss of employment and housing, and has led me to file this complaint with the CFPB for intervention.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I was approved for a loan via XXXX XXXX to purchase a used vehicle at the beginning of the year. I took delivery of the vehicle XX/XX/year>. XXXX XXXX transferred the car loan to XXXX XXXX XXXX  at the end of the month. XXXX XXXX did not make me aware of this change of what XXXX XXXX would be servicing my loan. I made multiple attempts to ask to make a payment ( which has typically be done through the XXXX app for my previous XXXX that I leased ). XXXX assured me that I would receive communication via the app. All the while, I was becoming delinquent in my car loan and XXXX XXXX XXXX XXXX XXXX XXXX sent me information about my account with them. When they made attempts to call me, they never made an effort to identify who they were. I do not have a signed contract with XXXX XXXX XXXX. Through my own investigation, I determined that my car loan had indeed been transferred to XX/XX/XXXX, I was delinquent, and immediately made payments in the beginning of XXXX XXXX XXXX XXXX to bring my account current. During conversation, I was told that XXXX XXXX XXXX  would not report the delinquency to the credit bureau. A week later, my credit score dropped XXXX XXXX from XXXX to XXXX due to the delinquency reported by XXXX XXXX. I have made multiple attempts via phone to explain that they did not identify who they were, XXXX XXXX did not notify me of the change of servicing, and that they are obligated to communicate when another financial institution is going to be servicing a loan. To this date, XXXX has still not sent any communication to that end and no one from their financial department has returned my communication. XXXX XXXX XXXX instructed me to write to their credit department request they change their report and I was denied. I have filed a dispute with the credit bureau which has only seen my credit score increase by XXXXXXXX XXXX. Even if I wanted to be done with XXXX XXXX XXXX and refinance with another bank, due to their reporting I would have a significantly higher payment for a depreciating asset because of their actions.