davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2020-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (VA)

I fell behind on payments back in XXXX/XX/XX/XXXX, and I made the payment needed to keep my car from getting repoed. I called while at work one morning, I took a break, spoke to one of the representatives, she told me the amount needed to keep my car from getting repoed, so I paid it. I went out to my car around lunch time, @ XXXX, and my car was gone. I called the company back, spoke to the same person, and she said she never called the repo company to let them know I made a payment, " it wasn't her job to inform them ''. So I made a payment for no reason, and my car was repoed anyway. She then said I needed to make another larger payment to get my car payments current to get my car back from the repo company. I was already down on my luck, having a hard time paying due to an 80 % reduction in my current pay. So, I had to borrow money from my parents to get my car back. Then the agent told me I had to pay a fee to the repo company to get my car out. This is now 3 different payments, when I had already made the first one to bring everything current prior to my car being towed. I told her I had no more money, and couldn't borrow anymore money. She " worked '' with the tow company, and added the fees to the end of my loan. She said my loan was brought current, and I would have to pay the repo fees at the end of my loan. I've asked for years to get everything in writing broken down, and I finally got it about 6 months ago. After the agent said everything was brought current, she lied again, because Flagship kept charging me late fees, and reporting to the credit bureau that my loan was late/behind on payments. They had the amount I owed completely wrong, have messed up my credit report, I'm having the hardest time getting this fixed, getting my credit rating fixed, and getting the amount due corrected so I can get the title to my car. The loan on my car has been paid-off since XX/XX/XXXX. I've asked to speak with a XXXX XXXX at Flagship to help me correct this situation, I've sent several emails, and I've never had a return email or phone call from XXXX XXXX. The agents keep ignoring everything I say or ask for, refuse to help me correct their error, and refuse to have XXXX XXXX contact me. I was told by a Flagship agent on a phone call, to ask for XXXX XXXX after my loan was paid, so she could help correct the amount due and correct their error because that agent could see where the company had messed up. I've asked for the recorded phone conversations to be reviewed, and asked for a copy for myself, and nothing has happened. I need my credit fixed and I need the title to my car.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

See attatched Credit Report of EQUIFAX from XXXX Date Reported XX/XX/XXXX INCORRECTLY Account XXXX ( XXXX ) .DATE CLOSED XX/XX/XXXX SOLD??? XXXX BALANCE * THIS IS NOT MY ACCOUNT PER MY RECORDS AND??? IT POPPED BACK OPEN FIVE ( 5 ) YEARS LATER??? See attatched XXXX Account XXXX XXXX XXXX XXXX POPPED BACK OPEN??? STATEMENT XX/XX/XXXX XXXX {$100.00}. REMOVE THIS IMMEADETLY. PROVIDE ORIGINAL WRITTEN SIGNATURE VERIFYING THIS DEBT. XXXX OPENS ACCOUNTS I DID NOT AUTHORIZE.
Consumer complaint received 2020-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (IL)

Someone has opened a paypal credit with a {$1000.00} credit limit in my maiden name and old address ( before new XXXX address same place though ). I recieved a letter from paypal credit the date on the paper is XX/XX/2020. Someone has tried to do this several times and been declined and now have succeeded. It looks to go through synchrony bank, I've been trying to contact them and can not answer all the computerized questions to get to a real person because I didnt open this account!
Consumer complaint received 2020-03-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (WI)

I have an old balance with XXXX XXXX XXXX in the amount of {$210.00}. A few months ago I received 1 ( one ) letter from Americollect stating that this amount has been placed in collection with them and they subsequently placed the collection on my credit on XX/XX/2019. 

Seeing as how I check my credit repeatedly, I found out that Americollect has now posted this same amount 3 more times for a total of 4 collection listings on my credit resulting in significant drop in my credit. 

According to the Fair Credit Reporting Act, this is an illegal tactic and if I'm not mistaken, I am not should these items be removed from my credit reports, but they are subject to fines and I should receive financial restitution as a result of the damage to my credit.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOV ASSOC/ ACCOUNT Original creditor : XXXX XXXX Balance : {$1100.00} Balance updated :XX/XX/2023 OPENED : XXXX XXXX XXXXXX/XX/year> Debt Buyer Reporting late payments and inaccuracy that is NOT 100 % accurate. This account is illegal and in violation under 15 usc 1681i ( a ) ( b ). 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 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 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. THIS ACCOUNT IS NOT VALID OR HAVE ANY PERMISSIBLE PURPOSE 15 usc 1692g ( b ) and 15 usc 1692 ( 8 ) ( E ) ( J ) ( D ) ( 8 ). NOT VALID
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-03-27
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. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXXXXXX. XXXX XXXXXXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX, XXXX. 
Reported : XXXX XXXX, XXXX - {$830.00} Needs Attention XXXX  XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX - {$4200.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

cfpb id # XXXX I have tried to correct this issue with Experian. Experian still incorrectly reports this account as open and late. We had a car loan with XXXX XXXX XXXX XXXX. The vehicle was sold to XXXX XXXX XXXX XXXX in XXXX  XXXX, WI. The title was sent by XXXX XXXX to XXXX XXXX XXXX XXXX to the satisfaction of XXXX XXXX. This debt still remains on our Experian credit report. When attempting to dispute it, the first time was immediately after we sold the vehicle, Experian rejected the dispute. Now two years later, we are trying to have this removed from our credit report and Experian website refuses to process the dispute stating they only have to investigate once which was immediately after the vehicle was sold. Experian responded to cfpb id # XXXX and still cant get it correct. The {$6100.00} is not past due as stated on Experian. It was written off. It has been corrected on XXXX  Confirmation # XXXX and XXXX. Documentation is available.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts are incorrect, and it's causing me discomfort
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

Someone opened a account in my name at a local bank I received a letter in the mail from the bank that's how I was aware of the fraud I called the bank to let them know it wasn't me that opened the account they closed the account and sent me a letter about what happened and what will take place in the future. I have inquires on my credit report as well as a Bankruptcy that all three bureaus fail to delete I have filed several complaints with all three, called spoke with them all, and nothing has been deleted. I have fraud protection on my account NOW but the things that are on there where never deleted. I have sent several letters called several times and filed several complaints and I am getting no where. I have filed a complaint with the FTC ( Federal Trade Commission ) report number XXXX Please follow up with XXXX, Equifax, XXXX as I need a accurate credit report. Inquiries Deleted and Bankruptcy.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

In XXXX of this year, we were reported 30 days late on our U.S Bank HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of XXXX.
Consumer complaint received 2022-03-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: American First Finance, Inc. (PA)

American First Finance opened an account for someone else using my social security number but not my name. They would not provide me with any other information and now I am having to file police reports and complete affidavits for this. XXXX XXXX which handles credit for these " payday loans '' which I would never get, can not verify me so I now I have to send all this information through the mail. The fraud alert was found on XX/XX/22. I contacted American First Finance on XX/XX/22. I contact XXXX  on XX/XX/22.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My Bank of America Rewards Visa Card ( ending XXXX ) was assessed interest of {$28.00} on XX/XX/XXXX on a previous months unpaid balance of {$2.00}. The previous months ( XXXX ) total balance was {$97.00} but only {$95.00} was paid in error. The card charges 16.99 % interest on unpaid balances but I was assessed a charge of {$28.00}. I should have been charged XXXX cents on the unpaid balance of {$2.00}. 

I called a representative of the bank and was assured the charge would be removed and was given this complaint number ( XXXX ). The charge remained on my account when I viewed it on line so I called to inquire of its status. The representative stated the complaint was reviewed and the charge was valid. 

The bank has not provided any explanation for charging me {$28.00} on a carryover balance of {$2.00}. 

I have good excellent credit and always pay my credit cards in full each month. If the bank claims there were other unpaid charges which justify this bogus charge they will be lying. I will gladly provide documentation showing when balances were paid upon request. 

I hope you can assist me in resolving this issue. I am a veteran on a XXXX and feel like I am being targeted. Thanks
Consumer complaint received 2021-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Select portfolio servicing is my mortgage company, there phone line clearly says they have Covid relief options. But when I called the rep told me they no longer offer Covid aid but under the cares act it says diff. I was denied a deferment also. And this request was months ago. When I asked why the rep stated your not eligible for it and we dont offer this anymore this was before I got behind on my mortgage
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax investigated then deleted addresses not belonging to me. They currently have been placed back on my file without notice or reason. Confirmation number for report with investigation results is XXXX. I've attached a photo of results of the investigation confirming deleted information as well as photos of current file showing deleted addresses once again listed on my personal file as of today. The confirmation number for the investigation can be found at the bottom right hand corner of the results page. I am presenting their findings so there should not be a rebuttal from Equifax. 

This is the second time that this website rejects my social so this report confirmation number as well as the photo of the report should suffice with no problem.
Consumer complaint received 2020-03-27
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: Experian Information Solutions Inc. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXXXXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX, XXXX. 
Reported : XXXX XXXX, XXXX - {$830.00} Needs Attention XXXX XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX - {$4200.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-12-31
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (TN)

I live in Tennessee and Usbank said I was at their XXXX XXXX main branch location on XX/XX/XXXX. I was in another state. I think my dad deposited my tax return although the email said thanks for visiting our branch location which implies somebody pretended to be me at the bank. My dad is an elderly XXXX  so I hope identity thieves are not pretending to be us. I do not know why my dad would pretend to be me at the bank. If it is an impostor, then they are probably phishing my business ' checks and clients before I get them, as if they knew a big check was coming in and then they withdraw it before I notice. I do not authorize anyone to pretend to be me at the bank. I alerted XXXX, so if they did not respond then they are corruption suspects. Nobody needs to pretend to be anyone else in order to make a deposit. Accessing my account illegally is a serious bank XXXX  red flag.
Consumer complaint received 2020-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (VA)

I am currently a customer with a car loan through Ally financial and it cant complain enough about the terrible customer service with this company. I went into my account to change my credit card information due to changing banks and after applying my new card Information they locked me out of my account. So I called and they told me to try logging back in in about 5-7 days ( ok no problem ) after 7 days I try to log back in and still locked out so I called once again to see what the deal with and I get the same answer over and over again so I ended up having to pay my payment thru XXXX XXXX so I wouldnt get penalized. So the following month came along and STILL locked out of my account. Still no answer, still not one person tried to help me get into my account to pay my payment so once again I had to do XXXX XXXX and today I am once again in the same boat and I REFUSE TO KEEP USING XXXX XXXX. Im a very unhappy customer with Ally bank I have been a customer for about 1 year 1/2 and never once had a missed or late payment. I just dont get it. I need answers.
Consumer complaint received 2021-04-20
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NV)

Navient keeps repeatedly calling me regarding a late payment. They are calling over 5 times per day & they don't leave a message so that way there is no trail of their calls, but my phone documents all their calls. I have a futurecpayment all ready scheduled to come out of my account & I can see the pending payment in they're system, so why can't they? Everytime I tell them they are harassing my, they say there is no limit on the amount of times they can call me, so they're calling me all day & not leaving messages. To me this is unacceptable & I form of harassment.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.