davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NV)

ENHANCED RECOVERY COMPANY ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-02-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (SC)

I was looking at my credit report and i came across Money lion on my credit report and i never open this account or never talk to this company before but it's on my credit report as XXXX to XXXX days late this is not my account never heard of this account before therefore i ask that this account be remove from my credit file again anyone could of open this account in my name without my consent and use my information and which they did i ask that this account be remove from my credit because i never open this account at all.
Consumer complaint received 2023-02-25
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. (DC)

XXXX DISPUTE Important dates : XXXX - Lease matured, discharged from hospital XXXX - vehicle turned in via TOW TRUCK with receipt/GPS data XXXX - XXXX XXXXl letter received saying vehicle has not been turned in XXXX - letter sent via certified mail to XXXX XXXX disputing debt owed and that I had turned in the car to XXXX XXXX Have phoned XXXX XXXX at this point who says they do not have the vehicle XXXX - letter of past due as of XXXX for {$16000.00} XXXX - show up to XXXX XXXX and they miraculously find the vehicle in repairs due to battery issue, at this point I think fraud might be part of this ; unhelpful until I called the police to report the vehicle stolen and they buy the car from me then XXXX - call XXXX XXXX who says they are unsure if they can help, but get someone in sales to say this all checks out, call XXXX XXXX and am told that head sales guy will call me back to get it sorted ; he calls back later that day with email to send all documents and timeline to XXXX - send email that gets kicked back, though it says can take 72 hours to deliver XXXX - reach out to head sales manager who has yet to respond
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and Equifax Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$610.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-02-05
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. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. 

XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in XXXX not reporng XXXX accurate XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in XXXX not reporng XXXX accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2022-02-25
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. ()

I have been in reciept and using my XXXX XXXX credit card for a number of years always paid off balance in time, never had any issues until this week when I was informed my credit limit was to be reduced from XXXX to XXXX, I contacted XXXX card and I was informed by a rep to go online and check my credit rating, on doing this I came across a section saying that I have been bankrupt or ccj on my records none of which are true, I have never been bankrupt or held any cc judgements against me, I have had credit card for quite a few years now and cant understand why and how this has come to be on my record, this is the first time I have been on to check my credit score, I would like to know how they got this false information without checking or contacting me,
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (RI)

On XXXX XXXX I sent out a letter to XXXX, Equifax, and XXXX. However it's been over 30 days and the credit bureaus failed to comply with fixing my credit report despite my attempts to contact them and its being past the 30 day window for resolution. This is preposterous this is really not making any sense. 

According to the law 15 U.S. Code 1681i- Procedure in this case of disputed accuracy. If the completeness or accuracy of any item of information contain in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ), Before the end of 30 - days period beginning on the date on which the agency receives the notice on the dispute from the consumer or reseller.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint regarding the inaccurate charge-off status on my credit report. Despite my diligent efforts to resolve this matter and bring it to your attention, the charge-off entry remains unjustly impacting my creditworthiness. 

I provided comprehensive documentation and explanations to demonstrate that the charge-off was incorrect and should be removed immediately. However, to my dismay, subsequent reviews and investigations by your agency have failed to rectify this issue, leaving the charge-off entry intact. 

The presence of this inaccurate charge-off status severely undermines my creditworthiness and financial credibility. It unfairly represents my credit history and financial responsibility, leading to adverse consequences such as higher interest rates, difficulty obtaining credit, and hindered financial opportunities. 

I urge your agency to take immediate action to rectify this matter. Specifically, I request that : The erroneous charge-off entry be promptly removed from my credit report. 
A thorough investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. 
I emphasize the urgency of resolving this issue, as it continues to unfairly impact my financial well-being. I am asking for your assisstance to remove these accounts fraud in my credit file XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX XXXX Balance : {$720.00}.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Applied for credit with XXXX and was told that I had to lift credit freeze with Transunion. Freeze due to past employer disclosing personal information. 
Attempted to sign into Transunion and was told that authorization code was emailed, but it was never received. Email address is correct and I have received emails from Transunion in the past. Called Transunion at XXXX and XXXX, and was not given option to speak to a representative. When I input my data in their automated system, the data was not read correctly ; my ss # has three repeated digits and their touch tone system only reads two of those. They now locked my account, because they could not verify all of my information.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation (OK)

I have a loan with regional finance. XXXX XXXX is a he primary on the account. Regional has contacted my husband XXXX at his work number 6 times now. Every time they call him I call them back to let them know not to call his work number. XXXX stated she has removed the number and left notes but this is what is say to me all 6 times. I understand courtesy calls but the loan is only a day or two behind, and if the loan would be past the ten days they give them I personally give them a call to let them know. This issue has caused problems at my husband XXXX job. If he losses his job because of this then how would be able to pay back.
Consumer complaint received 2022-02-05
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. (GA)

I contacted Transunion and gave notice and instructions to remove unauthorized accounts from my consumer report I also informed them that they did not have permissible purpose and no consent to report or furnish anything, No consent is considered as Identity Theft Pursuant to USC 1681b Title 15 Chapter 41 Transunion Accounts XXXX. XXXX XXXX
Consumer complaint received 2022-02-05
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
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. (MI)

I have yet to received your correspondence on this alleged account stating your ( verified or updated ) these accounts obviously you didnt give XXXX and did NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account from a Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2021 I received an email from Capital One stating that the company was reversing transactions and needed verification. I immediately called Capital One and informed them that I had not authorized any reversals of any transaction on my account and wanted to at that time report fraud on my account. Capital one bank then informed Me that my account would be frozen and an investigation would begin. I then received another email from Capital One on XX/XX/2021 stating that my account would be closed. I again immediately called Capital One and asked for more information. I was asked if I had traveled outside of the country as the reversal request on my account came from XXXX, I informed them that I had not and did not even own a passport. I was then told that the investigation into the fraud claim on my account was still active and that my account was still frozen but in the light that this was determined as fraud my account would be closed. I asked about my direct deposit from my employer as I had that set up and be getting paid within the next 2 days and was informed that it was not an issue. Capital One stated that once my paycheck was deposited I would have to call them back, have them release my funds ( as my account is frozen ), go to an ATM ( No Capital One branch in Massachusetts ), withdraw all my funds and then they would continue with their investigation/closing of my account. Capital One then stated that they were going to return/refund the funds that they had already reversed on my account due to me making the claim of fraud. I noticed today XX/XX/2021 that I still had not received my paycheck into my account, I called Capital One and was informed that Capital One kept my paycheck claiming because of the funds they released/reversed those transactions to the fraud person in XXXX. I asked how that was my issue and was told that Capital One needs it money back. When asked to speak to a supervisor I was denied and told that my fraud claim was closed and so was my account.
Consumer complaint received 2021-03-10
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-11-11
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: EQUIFAX, INC. (IN)

on XX/XX/2020 I mailed in dispute letters to Equifax, XXXX and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home. Also I am a victim of the Equifax data breach. Its been over 45 days and i have not gotten any results.
Consumer complaint received 2019-11-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

I can't see very well or read well. I took a {$1500.00} title loan on my truck and was told it would {$1600.00} to pay back. I finally got someone to read it to me to double check and they expect me on social security XXXX to pay over {$8000.00} back. Aren't they ripping me off? Isn't it illegal to charge that much interest? I'm paying on it but {$8000.00} ... .. Please help
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (AL)

This is now my second complaint with the above company. In my original complaint I stated I had not received any written notification about debts and was not allowed time to dispute that debt before it was placed on my credit report. The agency agreed to remove debt from my credit in response to the complaint here on consumerfinance.gov and that still has not been done. 

Per your response. : XX/XX/2018 AmSher understands how frustrating it can be to have accounts in collections. However, we mailed the initial collection letter as required by the FDCPA to the address provided by XXXX XXXX XXXX. Since then there have been two address changes. We sent validation to each new address. Nothing came back to AmSher in the mail to let us know it was undeliverable. Attached is validation for Ms. XXXX to review. The balance is valid and owed, please contact us at XXXX to setup a repayment plan. As requested by Ms. the accounts have been submitted for removal from her credit. Please allow up to sixty ( 60 ) days for each of the bureaus to update.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (UT)

BMO savings/checking account had several transfers going in and an ACH had processed for XXXX. The debit processed and posted, leaving account temporarily at a negative. The receiving merchant, XXXX XXXX XXXX, recorded the payment. No chargebacks or requests were filed on my end or merchant. 2 days later, as deposits were starting to post, the {$420.00} was posted BACK to acct and hold. I sent a detailed message to BMO regarding incoming transfers and the overdraft and asked why that payment had been rescinded. XXXX XXXX XXXX corporate office had the payment as POSTED and current. Their app showed now the acct was past due, even though the corporate office showed payment. XXXX XXXX XXXX forwarded the notice by me to their appropriate department with investigation # XXXX. I have been a timely paying customer for 5 years. This problem occurred when I switched to XXXX in order to attach bank to a family trust. I never heard back from BMO. 12hrs after I messaged in detail about why funds were being pulled back after posting, the BMO acct was closed without notice, with deposits in it. I immediately had my main bank cancel ALL out going transfers that had not posted. Unlinked BMO. Now I have pending transfers stuck in limbo. BMO never responded, answered my concern and notice. Just made the acct unaccessible and closed with money in it. XXXX XXXX XXXXXXXX never requested a return. I didn't request a return or dispute. I also had another utility payment sent back during this time. This caused merchant acct to go past due end of week after original payment, though overdrawn at the time, posted complete.
Consumer complaint received 2022-02-05
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. (GA)

I contacted Experian and gave notice and instructions to remove unauthorized accounts from my consumer reports, i also informed them that they did not have permissable purpose and no consent to report or furnish anything, no consent is considered as Identity Theft Pursuant to USC 1681 b, Title 15 chapter 41 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4 XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-10-09
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. (TX)

I financed a vehicle in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I no longer could afford vehicle and it was repossessed with all my belongings and license plate which I ended up getting a flag for because I could not get license plate and company sold vehicle and never turned in license plate and it accumulated a toll fee in XXXX texas because they drove through tolls with my license plate still attached to vehicle and they marked the loan on my credit as a charge off with a balance XXXX the finance company is XXXX XXXX and XXXX was updated XXXX XXXXwhen I contacted them several times to update the balance to {$0.00} or delete all together because the vehicle was sold and they recieved a 1099 c from irs which means they received a tax credit so they should no longer collect from me and the irs so o feel as should they update that balance to {$0.00} and they refused and even contacted Experian and they not doing anything
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a legitimate deposit from my employers payroll account. Bank of America is now holding the entire check amount for no reason that they can tell me other than the fact that because it is a manual transaction. Which is not the case. I get me paychecks deposited biweekly every pay period. This current pay period XX/XX/XXXX through XX/XX/XXXX was not a direct deposit, it was a physical check due to a mess up through my payroll department. I manually deposited my PAYcheck into my local Bank of America ATM. Then was told on the final receipt that my PAYcheck would be be held without reason for over 7 consecutive days being XXXX XXXX, 2019. Unfortunately I have to live paycheck to paycheck but the fact that my 80 hours worked is being held another additional week if VERY frustrating and almost unethical. I NEED my actual paycheck that I am entitled to for my time.