davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX was the original lender. I currently have a new credit card with them now too. I paid the amount previously owed on a credit card I use to have with them. 
The 3rd Party Collection Agency Midland Security took over the loan. I called them over the course of a year, after they placed the collections back on my account, when XXXX XXXX removed it. 
I finally called XXXX XXXX to verify everything, and they confirmed it was in fact taken care of, and reached out to the 3rd Party Collection Agency Midlands to clear this matter up. Its now been removed from two collections agencies with the exception of XXXX, and my score is significantly lower only on this one credit report because of this collection. I want and need this removed, as it has been paid, and has been verified.
Consumer complaint received 2023-12-09
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: Experian Information Solutions Inc. (CA)

on XX/XX/2023 I went to XXXX XXXX XXXX XXXX to purchase a car. I came in with a pre-approval. 

They used high pressure tactics to coerce my into signing an application for their own in-house financing. They told me that was the standard and I could not apply for financing without doing their own in-house loan application paperwork even though I told them I wanted the loan I had pre-approved and printed out in-hand. 

I told them I only wanted one inquiry on my credit record and they promised me that there would only be a single hard inquiry. 

As it turns out they were being dishonest and were indeed just coercing me into applying for their in-house product and not the XXXX XXXX loan I had pre-approved. 

They were unable to beat the rate I had pre-approved from XXXX XXXX via their in-house financing and so they took it upon themselves to shop around. This resulted in XXXX additional hard inquiries on my credit report. There are inquiries from companies we never even discussed or talked about that day such as XXXX XXXX XXXX finance ( we never discussed ) or XXXX  XXXX XXXX XXXX also never discussed ). 

I now have multiple hard inquiries on my report which I did not authorize. 

The only other company we discussed was XXXX and they told me that was because XXXX XXXX was unreliable and didn't pay the money they were due so it was better to use XXXX.
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: REGIONS FINANCIAL CORPORATION (MO)

Hi, in XX/XX/2019 i talked to a company about XXXX. 
They told me my payment would be around {$200.00} a month. I never got any final paperwork to sign or how much my loan and payment would be. 
Next thing I know Im getting calls from a bank telling me I owe them {$69000.00} and {$300.00} a month till Im XXXX XXXX XXXX. 
The signature on the contract is not mine. And I never signed a loan agreement from the bank. 
I disputed the loan with the bank. They investigated and said I still owe the money and no fraud was found. 
Please help? 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
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. (NY)

I've been engaged in correspondence with Experian. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

I have repeatedly raised concerns regarding inaccuracies persisting in my credit report, despite numerous notifications. This situation not only appears to be grossly unfair but also runs afoul of the law. As stipulated in 15 U.S. Code 1681 ( b ), reporting agencies are mandated to adopt reasonable procedures for the fair and equitable treatment of consumers concerning the confidentiality, accuracy, relevancy, and proper utilization of information. 
The ramifications of this inaccurate reporting are severely hindering my ability to move forward in life. I have explicitly communicated to ( XXXX, XXXX, or Experian ) that I do not consent to the inclusion of this flawed information in my consumer report. This stands in clear violation of both 15 U.S. Code 1681 and 15 U.S. Code 1681c2.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

REPORTING ADDRESS THAT DONT BELONG TO ME : ( XXXX XXXX XXXX XXXX XXXX MD, XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) PLEASE DELETE MY CORRECT FULL NAME IS ( XXXX XXXX XXXX XXXX ) THERE SHOULD BE ONLY 1 NAME AND 1 ADDRESS ON MY REPORT. DELETE THE OTHER NAMES AND ALSO DELETE THE ADDRESSES I HAVE LISTED THAT DONT BELONG TO ME.
Consumer complaint received 2023-12-08
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: Experian Information Solutions Inc. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I contacted Bank of America a lot of time but recently on XXXX XXXX when I noticed unauthorized charges from my checking account to my credit account. In XX/XX/XXXX, I agreed to a home warranty with XXXX XXXX XXXX ( XXXX ) for $ XXXXmonth or $ XXXXyear. Despite paying for XXXX months, when I filed claims for appliances and HVAC services, AHS charged me {$200.00} ( {$100.00} per claim ). 

They never fixed anything and denied my claims repeatedly while still charging my credit card. Even after cancelling my account, XXXX continued charging under different names and increased amounts. I requested cancellation and a refund but received no response. Despite disputing payments with my bank, I only received partial refunds. Bank of America 's fault department closed my case without properly investigating my evidence. I've tried to stop automatic payments, but the bank keeps deducting money, leading to fees and late charges. 

On my XXXX ending in XXXX, I turned off auto payments after a {$300.00} deduction on XX/XX/XXXX. However, on XX/XX/XXXX, the bank again deducted {$970.00}, claiming it was for interest and fees, then closed the account. Yet, I still owe {$11.00}. When I called customer service, they kept transferring me without understanding my issue or providing assistance, they said I am waiting they contacted to supervise but after that disconnected phone call, the bank did it several time, it is so bad, because they automatic got my money paid to credit, the credit I am not used. 

On credit account # XXXX, I paid {$410.00} to the XXXX XXXX two years ago, but they didn't do any work and didn't refund my deposit. Despite numerous attempts to resolve this with the bank, they haven't been helpful, and now my credit card is in collections. I've explained the situation to them, but they insist I owe the money. I've tried to work with the fraud department, but they haven't acknowledged my evidence. Bank of America reduced my credit limit to {$2000.00}, negatively impacting my credit score, and currently they look all my credit card. 

I hope this complains Bank Of America, the CFPB can assist me in resolving these issues.
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (NC)

I refuse to pay any debt to MIDLAND CREDIT MANAGEMENT account # : XXXXXXXX, XXXXXXXX XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language. 

There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of XXXX compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). 

I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States District Court XXXX XXXX of North Carolina.
Consumer complaint received 2023-12-09
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)

Hello I recently made a cfpb complaint # XXXX to Experian who has their report number # XXXX. I also previously wrote Experian regarding these same issues. 

It seems in the latest " fix '' explain did one thing I asked, which was to Fix my correct name and only name to " XXXX XXXX XXXX '' however upon looking at my new updated credit report the wrong name of " XXXX XXXX '' still appears on my credit report. 

1 ) Correct Name again is " XXXX XXXX XXXX '' 1a ) Wrong Name again is " XXXX XXXX ''. ( Please Delete along with anything associated with this name which is not me ). 

2 ) Correct Address is XXXX XXXX XXXX XXXX XXXX. 

2a ) Wrong Address # 1 XXXX XXXX XXXX CT, XXXX XXXX XXXX, FL XXXX 2b ) Wrong Address # 2 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I have lived at no other address in the USA other than XXXX XXXX XXXX XXXX XXXX, for I recently moved here from XXXX ( another country ). 

3* ) Experian shows many things on my credit report associated with " XXXX XXXX '' or XXXX XXXX which again is not me. XXXX and XXXX show " NO CREDIT '' whatsoever, because I don't have any. How can Experian have all these accounts on my credit report that dont belong to me? 

Experian Accounts that do not belong to me : a ) XXXXXXXX Account # XXXX  delete this account not mine. 
b ) XXXX XXXX Account # XXXX  delete this account not mine. 
c ) XXXX XXXX XXXX Account # XXXX  delete this account not mine. 
d ) XXXX XXXX  Account # XXXX  e ) XXXX XXXX Account XXXX XXXX  Delete this account not mine f ) XXXX XXXX  Account # XXXX  Delete this account not mine. 
g ) XXXX XXXX  Account # XXXX  Delete this account not mine h ) XXXX XXXX XXXX Account # XXXX  i ) XXXX XXXX XXXX  Accont # XXXX ALL the above accounts are for the man : XXXX XXXX or XXXX XXXX XXXX or something along those lines, My name is XXXX XXXX XXXX and am not associated with the above person. Again, Both XXXX and XXXX show none of these accounts on my credit report. Somehow Experian has all the accounts under my name " XXXX XXXX ''. 

I have attached Identification again and my citizenship of when I came to this country. 

Thank You XXXX XXXX
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ). 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose. Remove this late payments and update the accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-12-09
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)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
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. (FL)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-12-08
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. (LA)

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.

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 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX  my account was compromised. Someone deposited fraudulent checks into my account totaling {$4200.00}. This amount was deposited into my checking ( {$2200.00} ) and savings ( {$2000.00} ) Someone also added themselves to my account via member-to-member and took an additional {$1000.00}. I contacted my bank ( Navy Federal ) about this and spoke with a representative and they assured me that this matter will be investigated. I received a letter around three days later saying that they investigated it and they found that no fraud occurred. The letter they sent me was dated XXXX, a day after I initiated my claim. I feel like if a true investigation was conducted, it would take more than a day. The representative I talked to said it would take 10-45 days. I called them back and talked with another representative and was told again that the investigation would take 10-45 days to complete. I again received a letter in the mail dated the day after my second call to them. They also sent me a copy of the checks and you can clearly see that these checks are fraudulent and the signature is not mine. These checks are for the same amount ( XXXX ). Whoever got access to my account deposited the same check multiple times. 
Once the money was available in my account, the fraudster then withdrew the money from the fraudulent checks into another account. It looks like an XXXX account. Then took my actual money ( {$1000.00} ) via member-to-member. I informed my bank that I did not know this person and I don't know how they got access to my information. 
Hopefully CFPB can help me resolve this matter so that I can get back the money that was stolen from me and put my account back in the positive.
Consumer complaint received 2023-12-08
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-08
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)

Hello, I have credit inquiries that I have asked to get removed from the credit bureaus and to no avail they have not been removed as yet. To my knowledge I did not authorize these credit inquiries to be on my report. 

The following are a list of those inquiries that I did not authorize : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( 3 times ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank I also have a collection account from XXXX XXXX that was sent to XXXX XXXX XXXX, this was resolved with XXXX but is still showing on my report I have asked for this to be removed as well and to no avail it is still showing on all XXXX credit bureaus. 

Please help me to get these removed they are hindering me from repairing my credit.
Consumer complaint received 2023-12-08
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. (TX)

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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 2023-12-08
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Innovate Managed Holdings, LLC (GA)

My XXXX fico dropped over XXXX points after a new account was said to be opened on XX/XX/XXXX to XX/XX/XXXX from innovate loan service in XXXX. I opened an account with them for a XXXX XXXX in XX/XX/XXXX and paid it off in XX/XX/XXXX. My business with them was over. Now all of a sudden this pops up and when I contact them at their XXXX  offices, they claim they know nothing and I should just dispute it. But this has affected my fico. I want to get a lawyer on this because I am building my credit towards XXXX for business loans purposes and this comes up. I need someone to answer for this immediately.