davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, XXXX, write to lodge a formal complaint against Equifax, one of the primary credit reporting agencies in the United States. Despite my repeated attempts, I have been unable to access my personal credit report as it appears to be erroneously frozen. This has caused inconvenience and is potentially impacting my credit activity negatively. Any inquiries by external parties also reflect this incorrect status. Further exacerbating the situation, my name is erroneously recorded within their systems, which could potentially lead to identity-related issues. Despite my best efforts to communicate and rectify these issues with Equifax directly, there has been no resolution. Therefore, I am requesting the assistance of the CFPB to investigate this matter, to unfreeze my credit report, and ensure that my personal information is accurately recorded within their systems.
Consumer complaint received 2020-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Back in XXXX I recvd a bill from XXXX stating I owe XXXX. I reached out and advised something must've gone wrong because I did not have a personal account with XXXX. The apartments has an HOA that provides internet and cable services in which I paid with my rent. Earlier this year the apartment complex decided to switch and let us know they will be using XXXX and we needed to request set up with XXXX  since they will no longer use XXXX. So in XX/XX/XXXX I had XXXX come out and complete the connect. I contacted XXXX Customer Service and ask this to be investigated many of times but it could never be resolved. I asked for the corporate office to reach out to someone higher and they would not give me any information to reach anyone. I finally reached out to a guy named XXXX XXXX Executive Escalations and he asked me to send all the documentation showing how long I've had XXXX  as well as notices showing that the complex no longer used XXXX. He advised everything should be updated and completed. Well it never happened. I do not understand how a company can expect to come up with a bill out of the blue and say it's mine. The bill date shows exactly XX/XX/XXXX along with new charges as of XX/XX/XXXX but I did not have XXXX in these months at all. This company refuse to investigate and own the fact that they have made a mistake and is now trying to add a collection to my credit report. I have months of conversations that I have had with these reps and no one will correct their mistake. As far as this collection agency I reached out to them asking requesting a VOD. This company has sent me the same bill from XX/XX/XXXX in which one I did not have services with the company at that time and furthermore a bill does not constitute validation of debt.
Consumer complaint received 2020-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I logged into my credit report to check the status of my credit to begin preparing to buy a new house for my family this year since we are XXXX  XXXX. I realized there is a fraudulent account on my report with XXXX  and Transunion whereas XXXX  has already deleted the fraudulent item. I mailed a certified letter with proof of my identity and the affidavit as instructed. XXXX  shows this tracking number XXXX being delivered on XX/XX/2020 and Transunion shows this tracking number XXXX being delivered on XX/XX/2020. I spent {$35.00} to mail these off urgently to rectify my credit. It is now XX/XX/2020 and I just logged into my credit report and the fraudulent items are still there. I am now filing a complaint as it has been more than 30 business days since each bureau received the dispute letters.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian continues to report inaccurate information on credit report and refuses to remove inaccurate information by deleting XXXX XXXX XXXX XXXX account. As of XX/XX/2020 date reported Experian reports : Account status : 120 days late, condition of account : open, payment history 5 late payments. XXXX  reports : account status : collection/chargeoff, payment history : 9 late payments, condition of account : closed as of XX/XX/2020 date reported. XXXX  reports : account status : closed, no payment history, reports partial account number : XXXX as of XX/XX/2020 date reported. Consumer has attached XXXX  document explaining the comparison of the inaccuracies of XXXX XXXX account across all three bureaus. Not reporting 100 % accurately and not reporting the same across all three bureaus. Account must be deleted for inaccurate reporting. ( Provided factual based information in XXXX  document comparing inaccuracies across all three bureaus. )
Consumer complaint received 2020-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. These Accounts is inaccurate and I'm seeking litigation please delete at once. I feel like i'm being taken advantage of at this point. It's been well over 60 days I just want these problems resolved. According to the FCRA these inaccurate unverifiable items must be deleted immediately.
Consumer complaint received 2020-12-21
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. (NV)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY
Consumer complaint received 2019-04-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (TX)

XX/XX/2019 revoked there authorizations to Ach payments on my account. There Ach agreements are deceptive. They don't want to cancel your Ach, so they make it almost impossible to cancel. Telling you there has to be an alternative payment method before they can cancel. That's not true. By law you don't have to give this to them to cancel Ach. By law An Ach agreement is invalid if there's no way to cancel it.
Consumer complaint received 2018-04-26
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: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Consumer complaint received 2023-06-29
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-21
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: SYNCHRONY FINANCIAL (CA)

I have been disputing this account on a monthly basis since XXXX/2020. The account reporting is Synchrony Bank XXXX XXXX XXXX. I have never had an account with this company and I have disputed this information through the bureas and through the company itself and they continue reporting which is against my consumer rights and against FCRA laws. 
This account is showing as a charge off with a balance which is harming my credit.
Consumer complaint received 2019-04-26
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: Experian Information Solutions Inc. (AL)

I have notified both Experian and XXXX that the XXXX account that is reporting on my credit file do not belong to me. This account was open as a result of identity theft. Please assist me in getting this account removed from my credit file.
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (LA)

BridgeCrest Loan company, repossessed my vehicle ( XXXX XXXX ) on XX/XX/2022 without judicial order. I called BridgeCrest on Monday, XX/XX/2022, requesting the location of my vehicle and informing them that I did not receive a court order in regards to the repossession. I informed the representative that in order to repossess my vehicle a court order must be file, and I would have to receive this notice regarding the repossession. The representative to me that a judicial order was file, but she refuse to disclose when the court order was filed and to which court circuit. BridgeCrest, is in direct violation of USC 15 1692f ( 6 ), which states, provides liability for unfair practices including [ t ] aking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (MO)

On or about XX/XX/XXXX I checked my credit wise credit monitoring and found World Acceptance is frivolously reporting innacurate info on my credit report with XXXX saying I have a charge off/ delinquent account when I settled this account in civil litigation in XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX filed a XXXX satisfaction of judgement '' on this and told me it would not be on my credit report as part of the settlement! This is frivolous on XXXX XXXX part for reporting innacurate info and hurting my credit on a settled acct I may seek legal damages via lawsuit for my time spent and labor of my own investigation and calls made I'll never get back!
Consumer complaint received 2020-12-21
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. (NV)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Progressive Financial Services, Inc. (RI)

XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , RI  XXXX  Prog Fin Srv   XXXX   XXXX    XXXX   XXXX , AZ  XXXX   XXXX  : Acct #  XXXX  To Whom It  May  Concern : This letter is regarding account  XXXX , which you claim I owe {$390.00} This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( or ever had ) s ome contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX   )  from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.   I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Se ction 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Sect ion 623-b ) Pl ease Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/> My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , RI  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Attorney Generals Office Cc : Better Business Bureau
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-10-19
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. (GA)

I sent a dispute letter to this company on XX/XX/2022 but they did not update the status of my report or they might have completely ignored it, either way, it was a violation of the FCRA law. I want the CFPB to have records of these complaints for reference because I might come in handy in the future.
Consumer complaint received 2020-12-18
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (MN)

On XX/XX/2020 I was notified by XXXX XXXX that I owed them approximately {$7600.00}, and was advised to take out a private loan so I could receive my degree ( as I am graduating ). I have borrowed from Sallie Mae in the past, and had received an email from them on XX/XX/2020 stating " You're already qualified for your next student loan '' with a code to enter on their website. Upon completing the application process with the code provided, I was denied unless I had a " credit worthy cosigner '' ( despite my personal credit score being XXXX ). I started a live chat with a Sallie Mae representative about my specific circumstances which prevent me from getting a cosigner ( estranged from parents, not knowing anyone else to ask ) and instead of being given any meaningful resources to help, the chat representative repeatedly just told me to get a cosigner. Any attempt to further self advocate was met with those repeated messages. It is incredibly misleading to tell a customer that they are already qualified for a loan, only to deny them after applying despite the implications that the customer/borrower is pre-approved.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of the Hudson Valley, Inc. (FL)

I never received any information about this debt. I have written letters asking for validation with no response. This company has also reported the same account twice, at the same time, to XXXX during a previous dispute. They have committed multiple FCRA violations and XXXX refuses to remove the account. This account has also been deleted from my report multiple times, only to be added again within a day or so by XXXX.
Consumer complaint received 2022-05-13
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. (TX)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Bankruptcy XXXX XXXX XXXXXX/XX/2017 Discharged Bankruptcy XXXX XXXX XXXXXX/XX/2017 Dismissed Bankruptcy XXXX XXXXXXXX Dismissed Bankruptcy XXXX XXXXXXXX Dismissed Bankruptcy XXXX XXXXXXXX Dismissed
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I received texts messages from Bank of America asking if charges were mine because they were from Florida and I reside in California. At that time I stated that they were NOT from me and proceeded to spend 2.5 hrs on the line with their customers service fraud department trying to work out the situation with reversing the charges as well as getting a new debit card and changing passwords in an attempt to mitigate any future fraud issues. I was under the impression that it was resolved after the 2.5 hrs I spent in XXXX and they gladly refunded XXXX of the charges that were fraudulent on the XXXX of XXXX. It is now XXXX and I looked at my account and noticed that on XX/XX/XXXX XXXX of the charges were taken back out of my account. I called B of A and after spending another 2 hours on the line with the fraud claims department they weren't able to explain why the money was taken out again. I asked to speak to a supervisor after over 2 hours on the phone with an agent that didn't understand what happened and wasn't able to provide an explanation and the supervisors weren't available. I am still waiting for the changes to AGAIN be credited back into my account. Bank of America has wasted hours of my time and money and they need to be held accountable for their questionable practices that cost their customers time away from work to resolve things that should be easily resolved. I wasn't able to wait the additional time for a supervisor and had to hang up because I have a job and B of A needs to be held responsible for the money they owe me and the time they've wasted.
Consumer complaint received 2020-12-18
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. (TX)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.