davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-01
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. (FL)

erroneous and inaccurate information is being reported on my credit reports. I informed the credit bureaus of the problem and sent documentation proving such. The accounts are reporting different information on each of the credit reports for the same account for things such as balance, date open, date closd, high credit, past due amounts etc.,. It is impossible reckless the bureaus to assume for all three variations of the same account to be accurate and allow it to be reported on my credit. Federal law requires that only accurate information be reported, the bureaus have refused to remove these inaccurate accounts. 

The Credit bureaus have also not responded to my request with in the 30 day time frame they are given.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I don't know what is going on at this company but they are putting anything they want into peoples credit reports. 

They are reporting that my home loan was included in my bankruptcy from XXXX when it was not. 

I just sold my home in XX/XX/XXXX. It has never been a part of my Bankruptcy proceedings. 

I have attached a copy of the following documents as proof of what I have just stated : 1 ) Closing Disclosure-XXXX 2 ) Adjustable Rate Mortgage Stamped Paid Off-XXXX 3 ) Release Of Lien from The XXXX County MO Recorders Office-XXXX Please contact XXXX XXXX, US Bankruptcy Court , XXXX XXXX XXXX XXXX and the XXXX County Recorder 's Office to verify the information that I have provided above.
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I bought a XXXX XXXXXXXX XXXX XXXX and the loan was services through Bank of America. For months i was trying to get online access so i can see the loan. I called the bank to ask what is going on and i was told they listed my loan under someone other person and their social. When i asked them what happens if i pay the truck off tomorrow, they had no response because the title would belong to them. I am paying for a truck that would belong to another person and they dont know how to fix it.
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

statement due date XX/XX/21 paid XXXX XXXX more than purchases and the difference doesnt get applied to my promotional balance.this happened also on XX/XX/21, XX/XX/21, XX/XX/21 and XXXX.i called the company and they said i have to call them after the payment and request the extra money to be applied to the promotional balance. I don't see where the extra money goes, it seems to go nowhere the promotional balance doesn't go down the XXXX extra dollars every month. It seems the company is misleading consumers and using deceitful billing practices.everytime i call customer service they can't give me a reason or answer.
Consumer complaint received 2020-12-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (NY)

I had an account with Ally Financial account # XXXX which was paid to a XXXX balance yet, when I checked my credit I see a balance showing for {$210.00} this is false information.
Consumer complaint received 2021-08-22
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. (CO)

This account appeared on my credit report, there is no company name to send a dispute letter to, I have not received any letter from " XXXX '' or Equifax. 
This is a violation of FCRA and FDCPA. 

The other account, again Equifax is reporting is an unverifiable account. I have sent dispute letters XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and it is still reporting on my credit. This is COMPLETELY UNVERIFIABLE
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2017-12-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cash Express, LLC (AL)

Yesterday I was contacted on my job by the manager of this location. Not only did they call but they called about six times. My coworker explained that it sounded like a child. Everytime she would put her on hold and I try and pick up the phone they would hang up. She was disguising her voice. I was able to take pictures of the time stamps of the caller id showing the calls and the time stamps. I went into the store to pay and the XXXX was saying that I owed XXXX. I gave XXXX XXXX. Once I got the receipt it only showed I owed {$540.00}. So I told them to give me my {$96.00} back. The manager refused. At this point I 'm not sure if this lady is trying to keep my money but how can you change me something that 's now showing on the receipt. I also asked for a print out of my payment history and was told I could not have that.
Consumer complaint received 2023-04-06
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. (OH)

In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GFS II, LLC (MI)

This account has been closed since 2016 and it shows every month the Im still having late payments and the interest is increasing all the while the account is closed. I have contacted the company and XXXX and XXXX continues to have the account showing late payments and closed at the same time but wont honor every dispute Ive submitted..
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

Complaint is with American Express platinum Card and loan department. On XXXX I reported a fraudulent loan that was taken in my name. AmEx assured me they had my ba Note my USPS mail was forwarded to a different address 3 time by the person who received the loan. To this day I do not have any information in print on this loan. 

On XX/XX/2020 I was billed {$550.00} for the annual service fee for my Platinum CreditCard. On About the end of XXXX of 2020. My credit cards with AmEx were frozen due to this fraud loan ; and remain frozen. 

I was unable to use the service for which the annual fee was billed. When I reported the fraud AmEx assured me there was no doubt it was not me who took the loan. I have detailed files regarding USPS complaint regarding my mail theft. However all have detailed personal information. attached is the information that i feel safe sending at this time. The Inspector General Reference number is XXXX and XXXX. AmEX would not Email or Special deliver vie, XXXX or XXXX XXXX or even USPS Registered of which I offered to pay. Also my address in the AmEX system was changed almost daily to cover for the fraud. 

I was billed for services I did not receive. And the loan was due to their error. The person who did these things only needed my ss # and name to change my information, and receive this loan.
Consumer complaint received 2020-12-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

On XX/XX/XXXX I made payment of {$1000.00} to previous servicer ( XXXX XXXX XXXX ). The payment was not transferred initially with the loan to new servicer ( Select Portfolio Servicing ) on XX/XX/XXXX. 
On XX/XX/XXXX I received evidence that payment was received by new servicer in the form of a check. To this date SPS is denying receiving such payment and claims previous servicer did not send it despites the evidence : copy of the XXXX  check sent to SPS, the XXXX tracking number and XXXX tracking system showing mail was delivered on XX/XX/XXXX at XXXX XXXX. 
On XX/XX/XXXX I called SPS again regarding this issue. Since the associate was not able to address my request I asked to talk to a supervisor. The associate denied my request advising me I will be contacted once they update my case. As far as I am concerned payment was received and the only update that must happen is SPS applying this {$1000.00} payment to my loan as of XX/XX/XXXX. This is obstructing my right to payoff this loan early since payoff quote can't be generated given that all previous payments have not been applied.
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

In XX/XX/XXXX I switched phone carries from XXXX to XXXX. XXXX paid the rest of my phone and i had some charges left over for accessories that i had. On XX/XX/2018 the rest of the balance owed to XXXX was paid. The check cleared XX/XX/2018. A few months after i started getting calls from a debt collector several times a day but never recieved any mail saying something was owed. I thought it was a scam becuse I paid all my bills. Recently i tried getting a credit card and was denied saying I had something in collections. When i talked to the collections company they said it was for XXXX. I went to XXXX to see why they sent me to collections when I paid the remaining balance on my old account. When i went in store it showed I did pay the remaining balance but in their system it showed that the account was only just cancelled not cancelled in XX/XX/XXXX. Then after about 7 months of my account actually being canceled they charged me for a months bill to a phone that was no longer in service and a phone number they no longer had. I sent a dispute into the collection agency since XXXX said it was out of their hands. I had to send it several times since they kept saying they never got it. When they reviewed my dispute they said it was still due in full. I should not have to pay for something that is not my fault. XXXX made an error which I have proof of and yet the collection agency says i still have to pay.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rauch-Milliken International, Inc. (OR)

In 2019 XXXX started billing for yellow page advertising that was cancelled prior to the due date. 
XXXX was notified. 
XXXX sent an email verifying the amount was cancelled. 
2 different collection agencies continue to send demand letters, even after I send or fax them the verification from XXXX that the bill was cancelled.
Consumer complaint received 2019-03-09
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. (OH)

I placed a fraud alert on my account after Equifax had a data breach. My social has been used numerous times. 

Recently it was used by an unknown thief with XXXX XXXX XXXX, I immediately notified them on XX/XX/XXXX when I received the alert. I was told by a representative that they had seen teh fraud alert and blocked the application and would remove the inquiry. 
Not only did they not do that, they RAN my social AGAIN on XX/XX/XXXX. 
WHILE I '' M CLOSING ON A HOME. 

Now i have TWO unauthorized inquiries by the same company. 
So I notified Equifax, The ROOT CAUSE of my social security number being leaked in their breach and they are refusing to abide by the FCRA and open a dispute. 

Per the FCRA the CRA, NOT ONLY the furnisher, is REQUIRED to investigate and remove inaccurate information In pertinent part " When a consumer disputes the completeness or accuracy of any information contained in his/her credit report, the consumer reporting agency ( CRA ) must conduct a " reinvestigation. '' The term " reinvestigation '' is a statutory term under the Fair Credit Reporting Act ( FCRA ). If the reinvestigation reveals that the information is inaccurate or can not be verified, the CRA must promptly delete the information. 15 U.S.C. 1681i ( a ). Failure to conduct a reasonable reinvestigation violates the FCRA. 

XXXX v. XXXX XXXX XXXX, 115 F.3d 220, 22324 ( 3d Cir.1997 ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. '' ( XXXX, 2019 ). 

Equifax had a data breach that is documented A data breach that included the theft of my social security number and personally identifying information.. 
Equifax 's negligence has had a SEVERELY adverse impact on my life Equifax was notified promptly of all disputes, fraudulent uses of my social and as such, has more than reasonable cause to initiate a dispute on my behalf as required by the FCRA> Per XXXX ( who refused to provide his last name and/or ID ) they are not responsible to investigate I requested a supervisor and received XX/XX/XXXX  refused to provide a supervisor, refused to abide by the FCRA, refused to open an investigation and refused to discuss options to resolve the account stating it was my responsibility to make XXXX XXXX XXXX abide by the law.
Consumer complaint received 2023-04-06
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. (CT)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the XXXX XXXX, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX v. XXXX XXXX, No. XXXX ( C.D. Cal. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account due to a security freeze on my profile and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2024-03-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OPORTUN FINANCIAL CORPORATION (CA)

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (FL)

In accordance with Fair Credit Reporting act XXXX Account was open XX/XX/2022 auto loan is report a late payment, that has violate my rights and that is wrown. 15 U.S.C. 1681 Section 604 A 2 IT ASLO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A WITHOUT MY WRITTEN INTRUCTION, can u take that from my credit please. Also have a bunch of inquiries is no my pleases take that out of my credit thank you..