davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc (VA)

On today I had XXXX dollars direct deposited in my account through chime spot me program I recieved a XXXX dollars spot me. Well today my money was taken to cover my XXXX dollars spot me but my chime was changed to XXXX dollars which I couldn't get access to the XXXX I needed for food. I wasn't notified of this change and I've had the same direct deposit for well over a year and my spot me had never changed. All of a sudden they change the spot without notice and I'm out of money no money no food the supervisor XXXX she understand my concern asked did I recieve notifications I informed her I didn't and she apologized and said she would fix it give her 3 mins I stay on the line the call somehow gets disconnected I call back and no one is trying to fix the issue even though the conversation was recorded and she said she will fix it.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I submitted a complaint regarding an account that is listed on my credit report. While I was incarcerated, an account was opened in my name. I provided XXXX XXXX with documentation showing that I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. The XXXX Credit Card was opened in XX/XX/XXXX, seven months after I was incarcerated. However, the uploaded response states that " no information has been supplied to support the claim. '' I do not feel as if this company reviewed the proof of incarceration that was provided ; therefore, I am reuploading the supporting documentation for a PROPER investigation.
Consumer complaint received 2020-03-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I submitted a dispute with XXXX  on XX/XX/XXXX and the item was deleted on XX/XX/XXXX. Without any reason as of today XXXX this item has now reappeared with no notice or anything. 

According FCRA my consumer rights have been violated and I'm hoping that Consumer Financial Protection Bureau ( CFPB ), as well as the New York State Attorney General under the FTC. FCRA 616, 617, 621 can hold them accountable. I've asked them to furnish me all documents relating to the debt and so far I've only received a statement showing interest charges. How did they come to this amount? Initially the date was from XXXX it now appears on my credit profile as of XX/XX/XXXX which is also illegal. Someone please hold Portfolio Recovery accountable for there actions. 

Thank You, XXXX
Consumer complaint received 2024-02-23
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 Committee on accuracy and completeness of credit information 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 2022-12-27
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I 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 2020-03-04
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. (AZ)

I submitted 2 disputes without any resolution. I am disputing the following companies on my credit report that I do not recognize. 

XXXX XXXX XXXX  I disputed these on XX/XX/XXXX and a 2nd time on XX/XX/XXXX
Consumer complaint received 2023-05-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I became aware that someone had taken over my XXXX account, changed my password and email effectively locking me out of my page. I was contacted by a friend that whoever took over the account was using my messenger to contact my friends to solicit money in the form of a surprise XXXX to help my XXXX who had ( supposedly ) seriously injured himself. I tried many different avenues to get this rectified but without success. On XXXX XXXX, XXXX, I googled XXXX and got a phone # XXXX ) XXXX XXXX. The person answering assured me he could help and needed me to download an app to my phone. I know now that this gained him access to everything on my phone including my online banking. He opened a XXXX account under the name XXXX XXXX ( I did not previously have one ) and took {$990.00} from my checking account. I bank with Wells Fargo so I notified them of the scam and changed my checking account number, phone number and email address. On XX/XX/XXXX, I first noticed the XXXX transaction and notified the bank immediately. They said it was ad too late to stop the transfer but they would notify the receiving bank. I asked which bank that was and was told they couldnt share that information for privacy reasons. I filed a claim that was later denied due to it being filed in the wrong department. I filed another claim ( supposedly in the right department ) that was also denied because their research showed that the transaction was made through an online banking app by myself or someone who had my authority. What has occurred is clearly fraud and I believe Wells Fargo should be responsible for refunding the money. It may not have been the bank error however they do provide XXXX as a service to their insured clients. I have filed complaints to the Department of Treasury XXXX, XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, The Federal Trade Commission, XXXX, my local law enforcement and the FBI. While I am happy to report my misfortune to these companies to further their knowledge and possibly save others from similar misfortunes, I am certain that this matter can be cleared up by some agency. 

Thank you your help in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a letter to XXXX and TransUnion on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9800.00}.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Following hard inquiries I see on my Transunion credit report which was never acknowledged or given consent for. I sincerely request CFPB to instruct Transunion to remove them from my credit report asap. Please find the merchant names and date of the inquiries as per my FICO report shown below. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Corporation of America (TX)

I was scheduled for an appointment on XX/XX/XXXX for a " XXXX XXXX XXXX '', which entailed screening for XXXX XXXX XXXX as well as XXXX screening, among other things. In XX/XX/XXXX I was called with regards to collection of this " medical debt '', which confused me due to having medical insurance. I was instructed to submit a payment to prevent this debt from being reported to credit bureaus and so I submitted a payment of {$36.00} to XXXX XXXX XXXX XXXX to stop the calls. The same day I had called my insurance company ( XXXX XXXX XXXX XXXX Texas ) and it was revealed to me that I did not have a financial obligation towards this debt, and that my out-of-pocket cost for this procedure is, in fact, {$0.00}. I was further instructed to disregard any requests for payment as they are not valid. 

XX/XX/XXXX I had called my insurance provider again due to receiving phone calls stating I was not honoring the payment plan i had initially set up in XXXX XXXX.At this point it was sent to a debt collector ( XXXX XXXX XXXX ) for payment. I had spoken to an agent XXXX XXXX of XXXX XXXX XXXX XXXX of whom called the collection agency and spoke on my behalf regarding this debt, and stated the fact that it was not valid. She submitted documentation of my financial obligation via email. This debt has since been sold to the Financial Corporation of America. They continue to call me in reference to this medical debt that I do not owe. I have also explained the same situation to them in vain.
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Im being charged with collection from Credit Collection Service for {$470.00} by " XXXX XXXX XXXX XXXXXXXX XXXX I do not owe them anything and this is a fraudulent collection.
Consumer complaint received 2022-12-27
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. (MD)

I am a victim of identity theft due to the Equifax data breach. I have spent hours and over {$15000.00} since the data breach negatively affected my life. I have filed police reports and experienced gas loss and wear and tear from traveling back and forth to and from precinct. I have filed FTC reports due to inaccurate information found on XXXX XXXX report due to identity theft. I have also reached out to creditors via mail and phone to report fraudulent activities on my credit report. I also had to relocate with family due to the data breach making it near impossible for me to move forward with anything credit related. I also had to send letters to XXXX system to close inaccurate bank accounts.
Consumer complaint received 2020-03-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

I was contacted by National Credit Adjuster regarding a speedy cash debt. I was sent a letter if paid by certain date the debt will be paid in full and will report to any credit agency. I contact the collector and setup a payment date of XX/XX/XXXX. I called and paid the balance on XX/XX/XXXX. I requested my receipt never received receipt and have just seen the account hit my credit as a collection account. I have contacted the company left voicemail and sent a complaint. I have spoke will multiple representatives who pass the responsibility around and offer no help.
Consumer complaint received 2020-01-03
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (NJ)

I've been contacted by Allied Interstate LLC to collect on a debt that belongs to my wife. I spoke to a collector ( XXXX ) a few months ago and we couldn't get to an agreement. She was very rude. After that I received multiples calls every day ( 4 to 5 times a day ), I felt harassed. Then I was contacted by another agent ( XXXX ), we spoke and we were trying to work out a Settlement agreement, however, it was very difficult as they called during my working hours and I couldn't answer the phone. Additionally, we couldn't finalized the agreement because I requested her to send me the SIF agreement to review but she refused stating that they needed the bank info first to setup the autopayments. Today i was able to answered the phone and have all the info to set the payment plan. The collector ( XXXX ) became very upset and didn't let me talked when I asked her to started the SIF aggrement with the first payment of {$190.00} this month, and moved the {$1000.00} down payment to next month, XXXX. She started yelling and made me feel afraid and stated that the SIF was voided and I owed the entire balance. She then terminated the call. I called back and requested to speak with a supervisor, she stated, there is no supervisor available and gave me a Phone # to contact : XXXX. her supervisor. and she hanged up. I don't know why i wasn't transferred to another supervisor. 
I want to resolve this debt but this company is very difficult to work with. They are rude and make you feel threaten and harassed.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2020 I tried to place a thaw on my credit freeze. I guess I entered a wrong answer. I've tried calling in multiple times and reaching out to them on XXXX chat. What they're asking me to send in is absolutely ridiculous. The whole purpose of a credit freeze is to protect your identity. To unfreeze your report they are asking for all of your personal information ; everything someone would need to steal your identity. What sense does that make??? 

Below is what they want : We were unable to honor your request to temporarily remove your security freeze based on the information you entered. 
Sending us your information To temporarily remove your security freeze, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSH & Associates, LLC (MO)

After reviewing information on my credit report, I noticed that there were two accounts held by a RSH & Associates LLC. I was and currently am unaware of what these accounts are or who they are for. I disputed the accounts with all three bureaus and within three business days the bureaus said that information had been sent to them by RSH verifying that the accounts were correct, mine, and needed to be paid. I requested that the information that was sent to verify these accounts be forwarded to me, but never received anything. On XX/XX/2019 I sent certified letters to RSH directly requesting verification of these debts. Seeing as how they had sent information back to the credit bureaus within three days, I don't think it would take long or be a problem. The letters were received and signed for on XX/XX/2019. As of today, XX/XX/XXXX, I have yet to receive ANY correspondence from RSH. I reached out to a customer service representative and was told, very rudely, that it is not their responsibility to provide debt verification. It is obvious that they don't have any true information on this account or it would have been provided seeing as how they are wanting to get paid.
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: REGIONS FINANCIAL CORPORATION (CA)

I was solicited by a solar company to help save money on my electric bill. The young man that came was referred by my nephew who was just starting to work with the company. He went over the number of panels he said I would need and what it would cost me monthly. He said until my solar was connected to XXXX I would not have to make a payment because they had to work with XXXX to make the connection. He also stated that I would not be charged any interest until the panels were connected. I asked twice if he was sure because if the payment changed by any amount, it would not make sense for me to do it because any adjustments to the payment would put me in a hardship since I am on a fixed income. He assured me it would not and had me esign documents and told me I would be receiving {$10000.00} in tax credits once I filed my taxes. He also said that once I received the money to forward the money to them. Well, I filed my taxes and did not receive a {$10000.00} tax credit refund. When the bank who was handling the loan contacted me, I was told my payment would start in XXXX but then I got the shock of my life when the payment was higher. I filed a complaint an all I got was a copy of the note with language I had not seen before and something about the payment being adjusted. I should have known better but I believed what I was told. He also said there would be no lien on my property.
Consumer complaint received 2023-05-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2022-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc. (OR)

I have received two letters from SoFi ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in the last few weeks, and both include this statement : " Federal student loan forbearance ends on XX/XX/XXXX. '' This is false information. Federal student loan forbearance was extended on XXXX XXXX, XXXX until XX/XX/XXXX. 

I received the second letter from SoFi on Thu. XXXX XXXX, XXXX ( see image from USPS Informed Delivery ), which is over a month after the forbearance announcement was made. 

SoFi is sending false information to student loan borrowers pressuring them to refinance their loans with their company. 

This is both unethical and illegal. Vulnerable student loan borrowers may be pressured by this false information to refinance their loans with SoFi, which benefits their business. 

I kept the second letter; please let me know if you need more information, and thank you!
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NY)

I am XXXX  XXXX  Military deployed or assign XXXX  for most of the past decade. 
I am a homeowner in New York, my Home of Record. In XXXX that property was damaged by flooding by Hurricane Sandy. My Mortgage was with XXXX XXXX   but was serviced by PHI Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX Phone XXXX XXXX XXXX. Continues to report negative information on my name to the credit bureau years after the Mortgage company was transferred to the current mortgage company.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I CONTACTED BANK OF AMERICA AND ASKED THEM TO SEND ME INFORMATION ON THIS DEBT AND I WAS TOLD IT WAS SO OLD THEY DON'T HAVE ANY INFORMATION. I WANT THIS COMPANY TO EITHER SEND ME THE INFORMATION I AM ENTITLED BY TO LAW OR REMOVE THIS FROM ALL CREDIT REPORTING AGENCIES.