davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NC)

I recieved a noticed from Midland Credit Management on XX/XX/year> that I owe {$540.00} for a credit card that I did not apply for. I am a victim of identity theft and this shouldn't have happened. I have no knowledge of this account nor did I make those charges.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (AZ)

I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported.

This reporting appears to be in direct violation of the law, including 15 U.S. Code 1681. I respectfully request the immediate removal of these accounts from my credit report. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.
Consumer complaint received 2024-05-26
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. (FL)

Subject : Complaint Against [ XXXX, Equifax, XXXX ] for Violation of FCRA Complaint Details : Summary : I am filing this complaint against XXXX, Equifax, and XXXX for failing to provide a method of verification for disputed items on my credit report and for repeatedly sending stall letters despite verifying my identity. These actions violate the Fair Credit Reporting Act ( FCRA ) and hinder my ability to ensure the accuracy of my credit report. 

Detailed Explanation : Failure to Provide Method of Verification : Under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), credit reporting agencies are required to provide the method of verification used when responding to a consumer 's dispute regarding the accuracy of information on their credit report. 
Despite my repeated requests for the method of verification, none of the XXXX credit agencies have complied with this requirement, thereby violating the FCRA. 
Sending Stall Letters : I have received multiple stall letters from XXXX, Equifax, and XXXX. These letters claim that my dispute can not be processed due to the need for additional information to verify my identity. 
I have provided all necessary identification documents, including my driver 's license, Social Security card, and utility bills, to verify my identity. 
The repeated sending of stall letters instead of addressing my dispute constitutes a delay tactic, which is not permissible under the FCRA Section 611 ( a ) ( 1 ) ( A ) requiring prompt investigation of disputed information.

Violation of FCRA : By failing to provide the method of verification and repeatedly sending stall letters, the credit agencies are in clear violation of the FCRA.

These actions undermine my rights as a consumer to ensure the accuracy and completeness of my credit report.

Request for Resolution : I demand that XXXX, Equifax, and XXXX immediately provide the method of verification for the disputed items on my credit report. 
I request that these agencies cease sending stall letters and instead process my disputes promptly and in compliance with the FCRA. 
If these issues are not resolved promptly, I intend to pursue legal action against these agencies for non-compliance with the FCRA, as permitted under FCRA Section 616, which allows consumers to sue for damages resulting from willful non-compliance. 
Conclusion : I seek the CFPB 's intervention to ensure that XXXX, Equifax, and XXXX comply with the FCRA and rectify the issues outlined in this complaint. It is imperative that my rights as a consumer are upheld and that these credit reporting agencies adhere to the legal standards set forth by the FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (AZ)

XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

XX/XX/XXXX and XX/XX/XXXX : multiple phone conversations with XXXX XXXX  XXXX Arizona XXXX XXXX Billing Department explaining to them that I was inappropriately billed for hospitalist physicians services using old XXXX XXXX information from many years ago, despite XXXX XXXX XXXX gathering my updated XXXX XXXX XXXX XXXX. I requested for the billing to be re-ran through my current XXXX. I was notified by billing department that this could take 90 days to re run, and I would not receiving a bill during that time XX/XX/XXXX : XXXX XXXX XXXX Arizona XXXX XXXX files for bankruptcy, with bankruptcy completing at unknown later date XX/XX/XXXX - XXXX XXXX uploads Explanation of Benefits on their website that services for {$1300.00} in question were denied as MDs were out of network ( I am appealing this actively as I was admitted to the hospital under emergency services and the XXXX billed their services as outpatient despite my life being in jeopardy due to XXXX with required XXXX ). 

I never received a bill from XXXX XXXX XXXX Arizona XXXX XXXX at any point in time after I discussed with them the need to re-run the insurance on XX/XX/XXXX and XXXX, XXXX. How could I possibly pay a bill before it needed to go to collections if I was never sent a bill or even knew that it existed? 

XX/XX/XXXX - I looked at my XXXX cards credit report, and I have a derogatory event where this bill was sent to collections ( Credit Management Company at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, phone XXXX ). My credit score dropped from approx XXXX down to XXXX I have not been contacted by this collections agency, however I am being harmed by my credit significantly, when I was never notified of a bill owed. This appears illegal and highly inappropriate. XXXX XXXX XXXX XXXX XXXX XXXX never sent me a follow up bill, went bankrupt, and when I called to attempt to discuss with the company at their current phone number ( apparently bought out the original billing group ), they state that they can not access my claim from XX/XX/XXXX. I had no way of known or following up with anyone regarding this bill, as I was never contacted to even consider paying the bill. My credit is significantly affected and I would like this to be removed from my credit report completely.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of inquiries such as : Falsely Reported Personal Information & Address - [ 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  ] These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint [ # XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX : Request for Removal of Repossession Nissan Motor Acceptance identified on each CRA as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to dispute the inclusion of a repossession submitted by Nissan Motor Credit on your credit report under my XXXX XXXX XXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically concerning the accuracy of consumer reports and the permissible purposes of such reports, I request the prompt removal of this negative item from the credit report. 

FCRA Section 605 ( b ) prohibits the reporting of information on my credit report without my permission. As this repossession does not accurately reflect my credit history, it must be removed immediately. 

Please provide written confirmation once the repossession has been removed from my credit report. I expect an expedited resolution within 30 days from the date of this letter, as required by law. 

You can reach me at XXXX or XXXX if you require any further information. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-07-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (VA)

I took out a installment loan with One Main Financial in the amount of {$1200.00} on XX/XX/XXXX. During the XXXX XXXX pandemic I experienced limited work hours and fell behind on the monthly payments. I made every effort to resolve past due amounts. One Main Financial didn't offer any assistance to resolve past due payments. My last payment was made on XX/XX/XXXX. Unable to make payments the account grew increasingly past due and was charged off. In XX/XX/XXXX I contacted One Main Financial XXXX time on different occasions to discuss what could be done about the account. I was told there weren't any payment options available and my only choice was to pay the past due balance. In XX/XX/XXXX I was notified that my account had been charged off. I have tried to contact One Main Financial get information on collections but have been unable to get contact information. On XX/XX/XXXX, I learned that XXXX XXXX had filed a lawsuit for warrant of debt. I have contacted XXXX XXXX twice to discuss a settlement arrangement and they have declined.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Good day, I have reviewed Navients response to my initial complaint ID XXXX and they bypassed my main concern. The problem is that when I was offered the Structured rate reduction program in XXXX, the program was set to expire in XXXX, as documents showed to prove it. I recieved notices about updating my financial information ETC. In XXXX XXXX, as per the letter that was uploaded by Navient, the notice said about the program expiring. If your calls are recorded ( thankfully I record every call I have with Navient ) you can see that I called in a nervous wreck and spoke to a representative to obtain clarity. I am always on top of my Navient account especially because I fought to have the repayment option in the first place after being in default! The representative assured me that the notice was to give me an update that they need my financial information in order for the plan to NOT EXPIRE. And I said ok that makes sense because my documents show that the program will end in XXXX. 
During the last call I was NOT given any options although my salary is the same and my family size increase by XXXX. I had no choice to do the in school deferment but that is not what I wanted. I want to still be in my repayment plan that was promised until XXXX for the rate of {$240.00}.
Consumer complaint received 2024-05-28
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 (CA)

I've had XXXX different fraud claims with Bank of America. They have all been denied by the Bank. One was a XXXX payment from my Money Market for {$2000.00} that I never ok 'd. Another was XXXX fraudulent ATM withdrawals for {$88.00} x XXXX = {$170.00}, and the most recent one is for {$2.00} and XXXX. The ATM withdrawals are all from businesses that I have never walked into or used and I don't think they even exist as I drove by the address in New Jersey that was listed on my bank statement. The bank obviously has not bothered to investigate. 
Bottom line is I am out {$2200.00} and had to shut down my ATM card 3 times!
Consumer complaint received 2023-02-17
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. (FL)

I am interested in disputing all incorrect information on my credit report with Equifax. all information should match 100 % an it is invalid. please review all data listed on my credit report to correct my file.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (FL)

US BANK approved me for 2 credit cards, one {$3500.00} and the other {$4500.00}, the credit on XX/XX/XXXX the checked my credit score of XXXX XXXX and on XX/XX/XXXX they sent me twXXXX separate letters closing my card because i was going to commit fraud, they will be able to check my credit record like everything client uses them and then pays them or pays them, thats what credit cards are for
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Reporting agencies Equifax and XXXX continue reporting incomplete and inaccurate information on my credit report even though when my initial inquiry was submitted to the CFPB they claimed to have updated and removed all inaccuracies. According to the Fair Credit Reporting Act " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected within 30 days ''. I need to have this account being reported inaccurately removed from my credit history this will be my third complaint to the CFPB. I went ahead and reached out to the original creditor directly in order to verify the account information with them. I have attached that letter below as well as their response to that letter. The account information was not verified as they only responded with statements of the account history and no documentation possessing my signature or any other such documentation and the account mentioned in their response letter was not the account listed on the credit report sent over to them ; as you can see from the copy of the credit report attached below. Therefore the information from both parties is incomplete and inaccurate and should be removed.
Consumer complaint received 2024-05-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Contacted Colombia Debt Recovery XX/XX/year> XXXX spoke with a individual by the name of XXXX her email address is XXXX about a debt we never receive notice of until we say it on our credit report in good faith we tried to get this removed and sent us the proper debt and we would start to pay on it but not what they are charging us. Colombia Debt Recovery is over charging us by {$2300.00} claiming that XXXX XXXX  informed Colombia Debt Recovery that XXXX is charging us a months rent for not notifying them of our last date of residence. Our last day of residence was XX/XX/year> as the last statement XXXX sent us states that. Colombia Debt Recovery has failed to follow the Consumer Credit Laws. I have submitted all the proper documentation backing up are claim they have continued to harm us emotionally and with an amount the continue to Claim XXXX  XXXX  say is correct. I have submitted XXXX disputes with XXXX about there unfair practice of collection both time have been denied after I have submitted all the proper information. Which are included in this Complaint it's been 2 months and this has affected us greatly. Colombia Debt Recovery is negligence towards our situation while submitted proof they require. I have all emailed that I have submitted to Colombia Debt Recovery to back up my claim about there improper conduct against consumer.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I hope this email finds you well. I am writing based on my previous communication regarding the removal of fraudulent items from my credit report. This marks the XXXX formal attempt to address this critical matter. Despite my initial request and subsequent efforts, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CO)

I was told I had a negative valence through XXXX and paid it. Then they never replied. And the support in the app said they didn't want to do anything about it. Now they won't respond to me. I've been scammed by them twice now
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 2024-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

Two unauthorized transfers from my bank Citibank checking account on XX/XX/year> were sent to a person 's XXXXXXXX XXXX account * {$1900.00} at XXXX * {$550.00} at XXXX I contacted Citbank at XXXXXXXX XXXX  the same day ( witin 40 minutes ) -- the transaction said " still pending '' on my end. 

Citibank opened investigation but apparently did not put a stop on the transaction. 10 days later I still had not hear anything so I called Citibank 's fraud department. Citibank informed me the receiver 's bank account has been closed therefore Citibank will not refund or give me any protection against the fraud.