davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/XXXX my XXXX XXXXXXXX XXXX accounts ( checking and savings ) had been frozen for garnishment based on a judgement made against me in XXXX. I understood this action, and worked immediately to open a new bank account to pay the debt collector, Midland Credit Management. I was able to pay the full amount of {$2000.00} as soon as I got my new debit card in the mail on XX/XX/XXXX. I was told that the amount of {$2000.00} would clear my debt and that paperwork to release my bank account would be submitted to XXXX XXXX within 24-48 hours. I waited patiently for the release of my account, but it never happened. I called MCM to check on the status of my case on XX/XX/XXXX and the representative told me I owed {$1.00}. When I told him I had paid my debt in full, he placed me on hold and said " not to worry about the {$1.00} '' which I believe was interest that had accrued since the date I had paid them, indicating that they had not closed my paid-off account. Furthermore, my payment does not reflect on their website. It shows that I have a balance of {$2000.00}, and " payment history '' is blank, which is inaccurate. When I ask about these things, they tell me they can not give me any information beyond that " the account is paid off and closed. '' I have asked several times for proof that I have paid the debt and for the paperwork to be submitted to my bank, so that my account may be released. I asked for these things to be done again by phone on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX, I was told that " XXXX '' would speak to the attorney at MCM, and I have not heard back or gotten any resolve since then.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

To whom this may concern, I recently went over my credit report after receiving a credit alert that made me realize I need to look at my credit. After doing so I noticed several issues that I am not aware of. I listed the accounts below that were opened fraudulently and ask that you please help me remove them. 

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 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 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 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 2024-04-12
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. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRST HERITAGE CREDIT LLC (SC)

My wife has a loan with a finance company. They have called me, the husband XXXX XXXX several times about the account daily, talking reckless to me, threatening legal and I am not the account holder. Called my mother in law who was not listed as a point of contact. Account got behind and all personal info was shared with me and I am not the account holder. First heritage credit XXXX sc
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

Im not sure how this person got ahold of my debit card but I received a text message from my bank wanting to verify a transaction, I call navy federal and explain that I am at home Im not using my card. Upon looking for my card while in the phone with a Navy federal representative the person was still using my card. The representative told me that she would block the card so the person would not be able to use it. I eventually started driving to the stores where my card was alerting me it was used. A cashier at the XXXX XXXX on XXXX XXXX provided me with a description of the person using my card. I spotted the person and followed her to XXXX XXXX XXXX  2 mins away on XXXX XXXX XXXX XXXX. I was able to get picture of the person and also take pictures of the license plate of the car she was driving. The charges total out to {$620.00}! I submitted a fraudulent ticket to Navy Federal and received a provisional credit, on XX/XX/XXXX I received a notification that the charge was not fraud, and the provisional credit will be reversed. I work very hard for my money, Navy federal is notorious for this behavior. As I explained to the rep, the card was still being used even after I canceled the card I get emails that that card was being declined. Im not sure how they conduct their investigations but they would have seen the pattern that this lady was using my card in stores where she didnt need a pin. And the 2 other stores she tried to use it at declined it because she didnt have a pin. I spoke to them directly. I have a police report with her pictures and her car pictures attached. This is very unfortunate that this is how navy federal treats their customers.
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach in which Equifax has done nothing.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-09-21
Product: Credit reporting 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. (NJ)

I personally do not know this information but it is in my report damaging my status, please remove this soon, this is a mistake XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION (TX)

The background check conducted is inaccurate. It reports that I was convicted of the XXXX, when in fact it shouldn't report that I was convicted because I completed XXXX XXXX XXXX  and from my understanding, if I completed the XXXX successfully then it will not report " convicted ''. Also the charge that they reported was XXXX XXXX XXXX XXXX, when in fact the charge was XXXX XXXX. Those are two inaccuracies and the third inaccuracy is the address XXXX XXXX XXXX, XXXXXXXX XXXX. I have never resided at that address. They are saying that the report was accurate, when in fact there are 3 inaccuracies which caused me to lose the job that I was offered.
Consumer complaint received 2023-02-23
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. (PR)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX  XXXX Balance : {$3400.00}.
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: AppFolio, Inc. (DC)

Hello, My family entered into a new rental agreement to become tenants in a single family home, in Virginia. The owners are using a property management company, which in turn uses a company, AppFolio, which offers an online portal in which tenants can make rental payments, request maintenance services, etc. 

We have discovered, upon trying to pay rent for the first time as tenants at this property, that AppFolio charges not only a 2.99 % transaction fee for payments by credit card and a {$9.00} transaction fee for payments by debit card, but they actually charge a {$2.00} fee even if paying by XXXX. Importantly, my family was given NO options to pay that did not have a fee. A " fee '' that tenants can not bypass is not actually a fee, it is of course a rent increase, which is contrary to the terms of the lease we signed. There were no options to pay rent offered that did not contain a fee, no disclosures regarding how to avoid fees, and no information presented which explicitly stated or even implicitly implied that as tenants we had multiple options to pay, including some which did not require fees. 

Upon researching the issue, it appears that the actual cost to the company to process an eCheck is approximately XXXX cents. That means this fee is XXXX times the cost to AppFolio. This is exorbitant, and it is a fee that is being charged when I, the consumer and tenant, am not receiving any good or service in exchange. I am receiving a service I am being forced into by the property manager and landlord, and it's a service that is typically free and costs next to nothing to process. 

After questioning these fees, the property manager offered us a no fee option, which is a paper check. This is ridiculous, as we should be able to initiate a bank to bank transfer, where the landlord 's bank is the beneficiary and receives the rent each month ; this transfer would be free. Instead, we are forced to use AppFolio, which has deceptive and misleading information on our account, pushes us to pay with fees that are grossly more than the costs to AppFolio to process our eCheck, and when we protest we are offered massively inconvenient options to pay despite the fact that electronic no fee options do exist.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (GA)

Dear CFPB, On XX/XX/2024 I wrote a complaint to you regarding Aldous and Associates inaccurately reporting a collection ( account XXXX ) on my credit reports. The response I received on XX/XX/2024 did not include any documentation to show that Aldous and Associates did NOT violate my consumer rights under 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006.34 ( d ) and 15 USC 1681 ( s ) 2 ( 7 ) ( A ). 

I request that this account is immediately deleted from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-05
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: WELLS FARGO & COMPANY (LA)

I have Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

Aldous & Associates/ XXXX XXXX XXXX, XXXX XXXX Utah XXXX XXXX, United XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XX/XX/year> NOTICE TO CEASE AND DESIST I am hereby notifying you ALDOUS AND ASSOCIATES that I refuse to pay this alleged debt in full accordance with 15 usc 1692c ( c ). I demand that you cease and desist all collections attempts and reportings on this alleged debt. I never signed a contract with ALDOUS AND ASSOCIATES and you have usedmy personal information without my consent. You have violated my consumer rights pursuant to 15 usc 1681b. You have caused my phone to ring at inconvenience times, while Im even at work in with connection of this alleged debt without my permission. This type of harassment is strictly prohibited by law pursuant to 15 usc 1692d ( 5 ). I am invoking my specified remedy as a consumer and account administrator with the demands listed below : 1. Stop negatively reporting and remove this alleged debt from all reporting agencies. 2. Stop infringing on my intellectual property rights immediately. 3. Provide an original contract with wet endorsement as well as a full audit trail of alleged debt. Failure to comply with consumer demands will result in litigation. I do not consent to XXXX or any other means of automated verification.
Consumer complaint received 2024-06-06
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

My complaint is that XXXX XXXX XXXX who is a third party vendor associated with XXXX XXXX XXXX XXXX never sent me an invoice to pay the original {$100.00} that I owed for my daughter. I didn't know I owed them {$100.00} from XX/XX/year> until I received a text message from them on XX/XX/XXXX at XXXX. This is a very weird way to communicate with someone as we get so many spam messages now days. Also, the collections doesn't even tell you who its for. I am also responsible for myself, my kids, and my father. So this could have been for any of them. It would be important that they list who the patient is. 

I never received the original bill from XXXX XXXX XXXX for the {$100.00} that was owed. If I would have received it, I would have paid it like I did in the past. I am upset that they sent me to collections for {$100.00} without sending me several invoices to my home first. They have billed me before for other services used at the hospital and I paid them before. Don't understand why they couldn't just resend the invoice a couple to a few times before sending me to collections. If my credit has been affected I would like to see legal counsel for this since I never received the bill. I have paid the Gulf Coast Collection Bureau Inc. to avoid my credit from being impacted per Gulf Coast Collection Bureau says it hasn't but I will be checking my credit in the next for weeks. Please review this companies practices.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RS Clark and Associates, Inc. (TX)

Hello, The debt collector neglected to provide me with written verification of the debt. They phoned me and left multiple voicemails during the dispute procedure. Debt collectors are not permitted to call or contact you until they have confirmed the debt in writing to you. This, I believe, is a communication strategy for resetting the clock on an old debt that is not mine.
Consumer complaint received 2024-04-12
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. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these ITEMS ( A ). It is unacceptable to list these ITEMS as information without verifying them within the legally mandated time frame. I require an investigation, a deletion, or an removal of the following erroneous information on my credit report : 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 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION (FL)

I was shocked when I reviewed my credit report and there was a late payment reporting on the dates below : 30 days late as of XX/XX/year> I'm not sure how this happened & when explained to customer service I could not receive help to resolve this matter.