davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (KS)

I C System is showing a debt for XXXX XXXX XXXX XXXX. My insurance was to pay more on this bill because XX/XX/XXXX did not file correctly. The debt is not owed and needs to be deleted from my credit bureau as it is not a valid debt. 

In addition, said debt is outside of the statute of limitations, so the credit bureau reporting serves as a collection attempt in violation of the FDCPA.
Consumer complaint received 2020-11-10
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 SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XX/XX/XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XX/XX/XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XX/XX/XXXX XXXX DEPT OF EDUCATION/XX/XX/XXXX XXXX DEPT OF EDUCATION/XX/XX/XXXX XXXX DPEDXX/XX/XXXX XXXX DEPTEDXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX DEPTEDXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

I have disputed this account twice through XXXX, twice through XXXX XXXX, twice through Sequim Assests ( the collection agency ) and twice through XXXX XXXX XXXX which is the company that created the debt. When I spoke to XXXX XXXX XXXX in XXXX they opened a case and confirmed that the money was not owed and closed the account. I followed up with both the debt collector and XXXX XXXX.. it has been over 60 days and the dispute was still open even though this was an invalid collection account on my report. I again reached out to XXXX XXXX XXXX where they confirmed a SECOND time that the money was not owed. This account caused my credit to Drop by over 50 points and it was put on my account in error. Everyone I talk to sends me to someone different. I was under the impression if you put in a dispute and no response is received within 30 days from the collector wthen the account legally has to be closed. I am upset because it has been over 2 months and it is still not resolved. This is unfair for people like me who are working very hard to try to increase my credit score for home buying options
Consumer complaint received 2020-11-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Meridian Buyer’s Group (TN)

The company states I failed to pay my XXXX payment. I sent the proof of payment to them on XXXX. Payment cleared my bank on XXXX. Company picked up the car on XXXX. I called to request info and was told I would be given a call back. No one called me back. When I called on XXXX I was told I could not retreive the vehicle. I was told I could get my belongings and given a number to call and make an appointment. Meridian Buyers Group XXXX TN, XXXX
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

As customer of Wells Fargo bank and trusting this institution in XX/XX/XXXX I authorized the internal revenue service to deposit my tax refund XX/XX/XXXX at the above bank but the bank denied the payment of my refund under allegation of my refund not being deposited by the IRS. I insisted but I was unsuccessful of my claims. before the negative of the bank I desisted and the bank never paid the amount of {$6000.00}. of my tax refund XX/XX/XXXX. the bank did not paid me the refund for the year ending XX/XX/XXXX, XX/XX/XXXX for {$4800.00} for {$4900.00} for {$3200.00}, XX/XX/XXXX for $ XXXX,XX/XX/XXXXfor {$4300.00} this last was deposit by the IRS in XX/XX/XXXX the amount of the payment to Wells Fargo Bank was written on the bank statement but not considered in the balance because the next day, XX/XX/XXXX the bank posted an unauthorized charge of {$5000.00}.
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

CBE GROUP ( collection agnecy ) XXXX XXXX XXXX XXXX ( creditor ) this is a collection agency reporting to my credit for {$370.00} without verifying the details as i called them dated XX/XX/2023 to get details of the debt, they did not provided me accurate info instead they asking me my details. 

called XXXX even they are not providing their email for communication ( time XXXX XXXX XX/XX/2023 ) Spoke to XXXX XXXX on XXXX XX/XX/2023 XXXX XXXX and still he did not provide the comapny email address after request.
Consumer complaint received 2020-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (IN)

The auto company is continuing to report this account late. I have contacted them several times. I am repeatedly hug up on, am transfer to an out of the country foreigner or a XXXX speaking agent and I am an American who only speaks English. I have sent in written request and the company has failed to correspond. 

I am making all my payments on time and they continue to report them 30 days late each month.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX  debit card for Unemployment benefits had been fraudulently withdrawn leaving me with just {$19.00} to survive. 
I had been on the phone with BOA customer service ( no help ) 5 times for the past 3 days. They had transferred me to claims department ; was on hold for a total of 20 hours on those 3 days. 
I was able to file a claim after the 6th hour I was on hold with a Supervisor of Customer Service on XX/XX/2020 XXXX. 
Bank of America is not capable handling this the program they had partnered with XXXX. 
No resolution until today ; I cant live on {$19.00}.
Consumer complaint received 2019-04-24
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: Ability Recovery Services, LLC (MI)

This was an account that was not opened by me and should not be on my credit report. I have investigated the origin on the creditor and have found out that I did not give consent to have this account opened
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (OH)

Equifax has had me send in multiple FTC reports and refuses to honor my identity theft reports. Which is why there 2 different FTC reports. I've sent certified mail 3 different times asking for these fraudulent inquires to be removed from Equifax credit profile and they will not honor my reports
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2018-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

They contact me Everyday since the beginning of XX/XX/2018. I told Portfolio Recovery ( the collection company ) that this is not my debt to pay. They also try to get me to make a verbal agreement without my understanding of what they were doing. Please help this is affecting my credit. They say I owe them about {$490.00}
Consumer complaint received 2020-11-10
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX ACCOUNT # XXXX Erroneously marked as closed on XX/XX/XXXX settled for less than full balance. 

Factually, account was closed on XX/XX/XXXX and settled for less than full balance on XX/XX/XXXX. 

No late payments.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (KS)

The account being reported by Midland Funding LLC is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and Midland Credit is attempting to collect a invalid debt.
Consumer complaint received 2020-11-10
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. (KS)

The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXXXXXX XXXX who both billed for the insurance and offered it from the beginning. Since synchrony bank received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.
Consumer complaint received 2022-10-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

This company continues to contact me for a debt that i do not owe. I have physical proof that i did not live at the address they are trying to associate with me.
Consumer complaint received 2023-03-15
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Around the summer time of 2019 I started getting letters in the mail from Portfolio Recovery Associates LLC stating that I owe {$470.00}. The seller of the account was XXXX XXXX, the Merchant is XXXX, original creditor is XXXX XXXX XXXX. In short, it is XXXX XXXX saying that I owe this money which Portfolio Recovery Associates LLC took over the account. The address on these bills are from a city and state in which I have never lived in, so I know for a fact these bills do not belong to me. This false address that is not mine has also popped up on my background check as well. I have disputed this account with Portfolio Recovery Associates LLC and they keep sending me letters. The first couple of letters kept saying that they investigated and found out that the bill was mine, but they refuse to provide any proof that the bill is mine. I have disputed this 5 times and nothing has gotten done about it. I also contacted XXXX and they also confirmed I had no ties to that bill. I have a XXXX account, but not XXXX XXXX. Those are two different things. This is also on my credit report and has brought my credit report down. I need this removed from my credit report as soon as possible. Any help would be appreciated. Thanks and God bless!
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (IL)

In XX/XX/2020 I became a Covid-19 affected employee. 
In XXXX 2020 I missed a payment on my Comenity BankXX/XX/XXXX credit card account. 
I called the company and asked for a good-faith removal of my late payment due to my spotless 3-year on time payment history. They sent me a letter agreeing to remove the XXXX 2020 late payment. I have attempted several times to update the credit bureaus, however, the credit bureau states the creditor confirms the late payment information as accurate. I now can not get a mortgage based upon this reporting.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SD)

I feel that the debt is not valid, I do have an open account with the credit card agency, this one is a notification that there was a debt for a separate credit card from 2011, I did not have a credit card with that agency in 2011
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

XX/XX/2021 is when this MOUNTAIN AMERICA CREDIT UNION SECURED CARD was officially closed. I do not recall opening a Mountain America Credit Union account. When I was a teenager, my identity was stolen to try to open credit accounts. I believe this is a result from the identity theft.
Consumer complaint received 2023-07-22
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: Exeter Finance, LLC. (LA)

I have requested that Exeter Finance to remove my payment history off my consumer reports. According to ( 15 U.S. Code 1681 A ) they are not allowed to report my payment history on my consumer reports.
Consumer complaint received 2015-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

We filed bankruptcy XX/XX/XXXX  XXXX, our mortgage company at the time, was exempt from the bankruptcy.  However the credit bureaus show XXXX was included in the bankruptcy.  We have disputed this XXXX with supporting documentation and it still has not been removed.  Equifax says they need to contact XXXX.  XXXX filed bankruptcy in XX/XX/XXXX also.  We contacted XXXX at XXXX who informed us that they have no information on any accounts in our name or at our address so they could not help us.  Our account was in good standing (not late or missed payments) withXXXX when we filed bankruptcy.  XXXX took over XXXX accounts in XX/XX/XXXX.  We have continued to make our payments on time.  Equifax is saying they need another 30 days to investigate.  The original dispute was to remove this SAME incorrect information. We have not heard anything from XXXX.  Because of problems with their website we had to send the dispute by US mail.  XXXX is the only agency that has corrected the information.XXXX was sent the exact same information. Since filing bankruptcy we have worked diligently to re-establish our credit. We have done all we can and now we   need your help ASAP to get this information corrected. I had no idea that it would be so difficult and take so long when we had proper documentation. You are our last hope.  Thanks in advance.
Consumer complaint received 2023-03-15
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (ID)

On XX/XX/2023 I sent NMAC ( Nissan Motor Acceptance Corp ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXX, etc. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the XXXX on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been nearly 5 years to the day since the car was turned in back to them. I was assured by Nissan motors acceptance corporation that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!
Consumer complaint received 2023-10-04
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: MoneyLion Inc. (VA)

i have pulled my credit because i am in the process of buying new home and i have reports on my account that are inaccurate. I am not liable for this debt of {$2900.00} with XXXX XXXX XXXX XXXX, Account number XXXX. i do not have a contract with XXXX XXXX XXXX XXXX. i am also not liable for the debt of {$8600.00} with XXXX XXXX XXXX, Account number XXXX, i do not have a contract with this company. i am not liable for the debt of {$490.00} with MONEYLION INC, Account number XXXX, i also do not have a contract with this company. i am not liable for the collection account XXXX XXXX XXXX XXXX, account number XXXX a debt of {$470.00}, i have never had an account with this company. Per pursuant to 18 usc 8, i owe no debt, these company 's are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4.According to these consumer laws there should not be any damages to my report. These company 's have not provided me with the description of the procedure used to determine false accuracy, they have also not provided me with the original contact as i requested with my wet signature and ID verification.
Consumer complaint received 2020-11-10
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. (IL)

In XX/XX/2020, I became a Covid-19 affected employee. I missed a payment on myXX/XX/XXXXaccount in XXXX 2020. I requested that XXXX XXXX forgive my past due payment, due to my spotless 3 year payment history, and they sent me a letter stating they would remove my XX/XX/2020 late payment. I have attempted 4x to get the credit bureaus to update my account based upon the creditor 's correspondence, but they continue to fail to update and now refuse to allow me to further dispute this item to get it reporting accurately. I am trying to apply for a mortgage but I am receiving decline notices due to this very recent blip on my report.