davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc. (NV)

At : Portfolio recovery Company did not provide signed proof/documents and I do not recognize these credit cards. Please provide all sign documents and all forms of my IDs to validate these accounts if not they must remove it and close it out. Also this company has not stopped calling me yet again under the false pretenses of a business opportunity! Stop the harassment and provide me proof of all signed accounts as you started. Show me valid IDs and my signature if not this account must be removed. Also stop running my credit Portfolio recovery has kept calling and calling me without any reservations at all. I dont know who they are or why they are harassing me. I came across their information within XXXX XXXX and it shows they are reporting two accounts that should not be accounted for. It is hurting my credit opportunities and I would like for them to remove it since I do not owe them anything. They need to provide me with a signed contract between me and portfolio recovery if not they must immediately remove this negative remark and update all credit reporting agencies. Notice is below to them : This will notice will serve as a validation 609 letter. This letter is a formal complaint that youre reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, section 609 section A1A. You are required by federal law to verify through physical verification of the original sign contract, any and all the accounts that you post on the credit report.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I am writing to the Consumer Financial Protection Bureau regarding XXXX, Equifax, and XXXX, all of which are reporting false and misleading information, each different from the others. For starters, they are reporting the wrong name. 

I am constantly receiving credit cards sent to my address with other last names, which stops me from applying because if I apply, they send me cards with a false last name and do not allow me to change it until after I receive the card with the incorrect last name. 

On XXXX, it shows a positive account with XXXX XXXX, but with XXXX, they are reporting it as XXXX I have not missed a payment. Also, EQUIFAX is reporting it as negative as well. I have sent XXXX rounds of letters to them, and nothing has changed, nor have they explained why there is this mismatched information. I want all three reporting agencies to report the positive account that XXXX has been reporting. I've sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Next, XXXX XXXX, is an auto company that is closed and reports negatively on all three credit bureaus, impacting my credit and affecting my chance to get a car loan. I have a XXXX child who needs constant care, and I can not receive a car loan because of this closed account. I have tried to dispute it XXXX times and have not received an explanation as to why they are constantly reporting negativity. I would like the account completely removed from my credit reporting. I've sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Thirdly, XXXX is reporting a medical debt, XXXX, of a debt I have previously disputed and had deleted multiple times. A debt that has been deleted on EQUIFAX and XXXX because of their misinformation. I am asking for that to be deleted from my credit report. 

Again, I am a mother of XXXX with a XXXX child, and this information on my credit report has become detrimental to my credit health and preventing care for my children, especially my XXXX child.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (CA)

My information has been breached over 8 times in the last 6 years. I have debt reporting that I have no proof of holding myself liable. I have not obtained these items they were obtained from a unknown person/fraudster. I have disputed countless times and it has not yet been resolved. My disputes results come back verified however I am not provided proof of these verified debts which I know NOW is now a violation of the FCRA. I have been disputing these same accounts for years as they have not yet been verified with any legitimate proof. I have not been provided contracts bearing wet signatures and or proof of my debt owed.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month. Within the last 3 months they have removed the account, increased the amount, decreased the amount then now increased the amount. According to the fair act they are supposed to report accuarate information and they have not, please delete the account as it is signficantly hurting my score.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XX/XX/XXXX
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX has been reported to the credit bureau late payments when I was on a forbearance plan with them. They have reported XXXX late payments which it shows I was on Income based plan with them as well as the COVID-19 forbearance
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

Equifax got hacked and from the website they set up, it looks like I potentially got affected. I am displeased and am trying my best to get myself protected with credit freezes ( and additional monitoring of any identity theft ).
Consumer complaint received 2024-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. ()

Around XXXX or XXXX of XXXX, I received a letter from Citizens Bank informing me that my XXXX accounts would become Citizens accounts on XX/XX/XXXX, XXXX date specified in the letter. Specifically, the letter mentioned : " As we transition your XXXX accounts to Citizens over the weekend of XX/XX/XXXX, there will be a delay in accessing your account ... '' which has lasted well over two years. 

To provide more context, I received my first e-mail from Citizens Bank on XX/XX/XXXX to confirm my details and " Enroll in Online Banking '' according to the call-to-action in the email. 

Firstly, this e-mail was sent to me one year after I received the physical letter in the mail about the transition of my XXXX accounts to Citizens accounts. Second, I've been trying to enrol online without luck until today, another year later. Every time I tried to enrol online, I had problems receiving my one-time passcode. 

So today when I was finally enrolled into my online banking, I saw that I had no money left in the bank. The earliest bank statement I was able to access online from Citizens was from XX/XX/XXXX, which showed I had a balance of US {$94.00}. Each month, Citizens Bank has been me two fees : {$4.00} for " XXXX XXXX XXXX '' and {$3.00} for " Statement Delivery ''. By XXXX XXXX my bank balance dried up completely due to Around XXXX or XXXX of XXXX, I received a letter from Citizens Bank informing me that my XXXX accounts would become Citizens accounts on XX/XX/XXXX, XXXX date specified in the letter. Specifically, the letter mentioned : " As we transition your XXXX accounts to Citizens over the weekend of XX/XX/XXXX, there will be a delay in accessing your account ... '' which has lasted well over two years. 

To provide more context, I received my first e-mail from Citizens Bank on XX/XX/XXXX to confirm my details and " Enroll in Online Banking '' according to the call-to-action in the email. 

Firstly, this e-mail was sent to me one year after I received the physical letter in the mail about the transition of my XXXX accounts to Citizens accounts. Second, I've been trying to enrol online without luck until today, another year later. Every time I tried to enrol online, I had problems receiving my one-time passcode. 

So today when I was finally enrolled into my online banking, I saw that I had no money left in the bank. The earliest bank statement I was able to access online from Citizens was from XX/XX/XXXX, which showed I had a balance of US {$94.00}. Each month, Citizens Bank has been charging me two different fees : {$4.00} for " Serv Charge Db '' and {$3.00} for " Statement Delivery ''. By XX/XX/XXXX, my bank balance was completely dried up due to these outrageous charges especially while I was basically locked out of online banking. 

This is completely unethical management and the behaviour is in line with scam/fraud.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$900.00}
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

MIDLAND CREDIT MANAGEM # XXXX I'm unaware of this debt and did not receive proper notification. If you believe proper notification was provided, please provide the Certified Mail with Receipt with my signature. Otherwise please DELETE ASAP.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

LVNV FUNDING LLC # XXXX I'm unaware of this debt and did not receive proper notification. If you believe proper notification was provided, please provide the Certified Mail with Receipt with my signature. Otherwise please DELETE ASAP.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (MO)

Erroneous late fees were put in the account an the. After calling they agreed to.out the fee back into.the account ad a credit an then they take the fee an disperse it.over 2 or 3 cycles adding it into the bill. If you add uuo the bill.youll.see that the amount added over the billing cycles is the same amount as the credited late fee. They figured nobody would check an add the number s up. This has happened. 3 times to my account an has caused me to have several.hundred dollars in fees for this account to. Be looked at. An the the fees they charge for late fees are not within legally allowed amounts. They change the due dates an don't count payments made to get these late fees to happen. Is wrong an shaddy business practices. The xard is issued by regions bank an is maintained by XXXX an is a bp Mastercard. The final.bill they sent is for nearly XXXX an if you do a proper reconciliation the bill.is under XXXX an XXXX for accounting fees the bill s is XXXX XXXXXXXX dollars. I'm going to pay the XXXX. That due but they are erroneously billing me XXXX XXXXXXXX as they did this shady billing over the span of XXXX plus years.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I made an electronic payment of {$5000.00} on XX/XX/XXXX to The Department of Education referencing my account number with MOHELA. The funds were withdrawn from my account on XX/XX/XXXX. Upon reviewing my loan account 3 weeks later the payment was not applied to my account. I called MOHELA on XX/XX/XXXX to ask why the funds have not been applied. They informed me the funds were never received. I provided proofs of payment and had my bank on the phone with MOHELA confirming the payment was made. I was told that it would take 90 days for the payment to process. I reached out again on XX/XX/XXXX to check status and was informed that it would take another 60 days. I waited that amount of time and reached out again in XXXX since nothing had been done. I received mail saying that the payment would be refunded. It has been well past the 90 days and well past the 60 days they promised to have a resolution. Still nothing. I called again on XX/XX/XXXX and spoke to MOHELA representative and they informed me the payment had been found but an account number was not associated to it. As such, the representative escalated the situation after reviewing my documentation and repeated phone calls and promised a decision would be made within a week whether the money would be refunded or applied to my balance. I called again on XX/XX/XXXX to find out what decision had been made and still nothing. They said they are still looking into it. This is unacceptable service and unacceptable handling of funds.
Consumer complaint received 2023-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I never established an account with XXXX XXXX, IC systems nor XXXX XXXX. I am a victim of identity theft and did not open account with XXXX XXXX  with partial account number XXXX total amount {$290.00}. Date shows its opened XX/XX/2023. XXXX is reporting a collection account on my credit file for an account that is not mine and is was a result of fraud. I have tried to contact XXXX and they tell me to call XXXX XXXX and XXXX  says they don't see an account. However this information is reporting on my credit file.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Hi this is less of a complaint and more of a verification request. Is www.ChexSystems.com a real and legitimate company? I was about to register for an account, when I saw all of the in-depth questions they required just to open an account. That prompted me to use their password reset function, to see if I already had an account. When I use my personal e-mail in the password reset, it pulls up a number and e-mail I do not recognize. The website takes me from www.chexsystems.com to a XXXX XXXX 

This led me down a rabbit hole, and now I'm not sure www.ChexSystems.com is legit. You can make up any e-mail address and it will return a # and email to trigger a password reset. I'd like to register to check for any rouge bank accounts, but this website/business looks very sketchy. 

XXXX XXXX XXXX XXXX XXXX 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 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation (FL)

Bridgcrest customer service keeps telling me misleading information of what payment amount is due and how many past days I must go under for them to stop repossession. A few times last years if a problem with payment, they would put in red on website if car is in risk of reposession and the date, as well as email if car is in risk of repossession and date, then it would fall off after payment was processing. 
They did not after I asked them for loan defement. 

The story changes and is deceptive practice and unethical change in what I was told versus what I would be told again. 



They said {$350.00} was due to stop repossession then when I paid it they said no {$370.00} more is due. They said on XXXX XXXX {$350.00} will be due and everything will be okay until next month. Then after paying it they did not stop repossession crew and caused injury to me as a consumer as a worker over 62 needing transportation in Lending Act ( TILA ) include failing to accurately disclose the needed funds then changing the story once the money was received. Unfair or deceptive acts by customer care, Business conduct that will mislead or is likely to mislead consumers false or misleading and different stories each call as well as saying that repo can continue to occur after payment for 48 hours, saying on the XXXX payment will not stop repos because it is the weekends and the 3 rd party they hired can not be contacted. Also they have public relations person XXXX XXXX who related that a payment will make it right at {$350.00} to go under so many days until next month. Then after paying customer care said no want it under a different amount of days. Unlawful and deceptive practices again to put my life in danger of no vehicle also not letting me have a deferment this year after saying it was okay for XXXX now saying I must wait until XX/XX/2024. 
I am a XXXX woman that has been put through lies and confusion as to what is needed to bring account working until payment plan is implemented, but they do not work with you and change rules for deferment, payments, repo.and amount. I have XXXX XXXX and health problems and they put me in a bad state. Help me please as they said {$350.00} is fine for XXXX until XXXX to avoid car taking. I am old and scared and can not handle their young energy to deceive and bully me and my family. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Homepage | Bridgecrest.com
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.