davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (GA)

After receiving notice I was furloughed from my employer, I called Consumer Portfolio Services , Inc. and advised I was furloughed for XXXX and Representative labeled my account as affected by Natural Disaster and advised by doing so it would not report to the 3 credit bureau repositories. I have recently pulled my credit report for XXXX, XXXX  and XXXX  to find the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 are all showing late. I have since gotten money to pay my account up to date and called back after to advise a supervisor and spoke to someone in the XXXX Department that advised it was nothing he could do to help.
Consumer complaint received 2020-09-17
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. (CA)

I filed disputes with all 3 bureaus and still have not received anything from them. 
I understand it time to received things by mail but more then 30 days is not acceptable. 
They say they will send results within 30 days then that what they should do.
Consumer complaint received 2017-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX/XXXX/XXXX, somebody went to XXXX a made a purchase of {$170000.00} under my account. I was at home when I notified that somebody was probably using my account and I was very surprised because I had my debit card with me on this day, so I ran to the bank to explain that to them and I placed a claim for that. They asked me some questions that I answered and we called the claim department of Bank of America to confirm the claim. After that they have changed my debit card and everything and the next day I received a temporary credit of {$170000.00} on my account and they said they will continue the verification. Today, the XXXX/XXXX/XXXX I get home and I was verifying my account because I was supposed to receive money from my friend I saw that the bank took the money back from my account and they put my account at - {$170000.00} but my friend didnt know that so when he sent me the {$200.00} they took it as usual so my account is now at - {$150000.00}. I was chocked so I called the claim department again and they said the claim has been denied by the bank and I have to call XXXX and XXXX has to give me the money back. The problem is that I didnt know all this time that I had to call XXXX to give me the money back because the bank said to me that they will do their research and let me know about the final decision which has not been received. The conclusion is that my money is not in security in this bank and secondly they are not even capable to give me the money back and investigate on it. I have to do it by myself. Thats a shame
Consumer complaint received 2023-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I opened up a account with XXXX and immediately notice the loan mart account because I have never had a auto loan with loan mart never so I called them and spoke to a guy name XXXX XXXX and I was talk to him and gave him the account number XXXX and he asked me my name and I told XXXX XXXX XXXX and he immediately told me that this account belonged to a XXXX XXXX so i asked him why was it reporting on my Credit report and he stated that he had no idea and every time i call now they act as if they have no information or they don't time or try to rush me off the phone so something isn't right so please help me
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Equifax, XXXX and XXXX all show an incorrect balance for XXXX XXXX. This account has had a XXXX balance for more than XXXX  days and is not reflecting on my credit reports which is negatively affecting my credit and I am requesting that it be updated.
Consumer complaint received 2023-01-09
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. (NJ)

I have a loan with XXXX XXXX. The current status should not be showing late because I paid it on time XXXX, Equifax and XXXX Credit Reporting Agencies lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX  XXXX XXXX Open Date XX/XX/2017 XXXX : {$380000.00}
Consumer complaint received 2023-02-23
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-11-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Butler and Associates, PA (FL)

I received a work email from my company 's human resources department stating that they had received the following pay deductions for me. I have had no dealings with that Credit Union since XXXX, that would be XXXX years ago. That would place any and all accounts & debts well past the Kanas Statue of Limitation for debt collection. I have contacted XXXX XXXX XXXX, Butler & Associates, PA and requested all details multiple times and have received nothing. Thus far, they have wrongfully and illegally collected {$3000.00} have yet to communicate or respond to my inquires. I will be forced to counter-sue for damages, as I have overdrafted my other accounts because of this illegal action. My wife lost her job due to covid while she was pregnant and has been unable to gain another employment opportunity and in addition we have a XXXX month old to take care of. I have included the only correspondence that I have received below and this is from my companies HR department. 

XXXX XXXX XXXX XXXX XXXX, Kansas XXXX # XXXX Judgement Creditor : Credit XXXX of XXXX XXXX for XXXX XXXX : XXXX XXXX XXXX, Butler & Associates, PA XXXX XXXX : {$4300.00} ( plus interest and costs ) Amount to Withhold : {$380.00} Contact Information : XXXX This deduction will take effect on the XX/XX/XXXX pay and will be ongoing until the amount is paid or the garnishment is released. 

Please let me know if you have any questions.
Consumer complaint received 2021-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on XXXX  and XXXX  1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XXXX, 2016 I separated from my now ex husband. On XX/XX/2016, my ex husband was ordered by court to pay the XXXX XXXX mortgage on time and in full by the XXXX of every month. Only my name is on the mortgage. I have have gone to court over XXXX times to get him to pay the mortgage which has been extremely late every month. XXXX XXXX has refused to help address the negative factors on my credit report due to his failure to comply with multiple court orders. The mortgage has now been sold but my credit is destroyed due to the negative reporting by XXXX XXXX. 

I want my credit cleared of the negative marks as this has nothing to do with me.
Consumer complaint received 2020-06-04
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 
XXXX {$120.00} XXXX {$600.00} XXXX {$160000.00} XXXX {$160000.00} XXXX {$450.00} XXXX {$9500.00} XXXX {$15000.00}
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CO)

I attempted to close a XXXX account in mid XXXX XXXX. XXXX claims that I should pay an early cancellation penalty because, they say, I signed a 2 year contract that had not expired. 

On multiple occasions, I have asked them to produce a copy of this signed contract and they, to date, XXXX months later, have been unable to provide me with any proof. 

They do say, however, that I should trust them and that there is in fact a contract. 

They also claim that they have sent letters and/or emails offering proof of the validity of the debt ( I assume a signed contract, but they have been unable to tell me what is in the letter ), but I have received nothing from them. 

On XXXX XXXX, XXXX, I received a collection letter from XXXX, a collection agency acting on behalf of XXXX, requesting payment. I informed them that the debt was disputed and, in compliance with the XXXX XXXX, they sent a letter acknowledging the dispute and have ceased collection activities. 

I spoke with XXXX again today trying to obtain proof of the validity of the debt and they told me that there was no one to talk to about this and just wait for some letter to show up that will offer some undefined form of proof. 

This is consuming my time trying to deal with this and causing me some distress. 

It seems like if a company says that I owe them money, they should be able to provide some proof of that, but, when it comes to XXXX, that apparently is not the case. 

In the mean time, they are negatively impacting my credit. 

I would appreciate your assistance in resolving this issue quickly.
Consumer complaint received 2021-11-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-11-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things to my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2021-05-03
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. (TX)

I have been writing dispute letters to the credit bureaus since XX/XX/2020 and asking for verification why they keep reporting on my credit report. However, they have failed to obtain as mandated by law proof of such debts. They have continued to report erroneous information about me. Therefore it is quite obvious that they have deliberately violated my rights in more than XXXX way which is punishable by law
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AZ)

I have a credit card which is due the first of every month. My payroll is structured to my bank account on the first and fifteenth of every month. The last two times I made my payment on the day it was due. I always pay more then what the minimum is, I'm in Arizona XXXX and this company is on XXXX. They charge me a late fee because I did not meet their specific cut off time. I make my payment on the day it is due. The web page even stated payment date right on the payment page. They charged me a late fee because they posted it the following day. My payment was not made on the day after it was made the same day it was due. I emailed them and advised them that I make my payment when funds are available to my account which is that day. This is unethical practice I can understand if my payment was late but it is not. They use this time zone to collect late payments even when I paid it on the day it was due not the following day..
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Franklin Collection Service, Inc. (FL)

Dear CFPB, all three credit bureau and Franklin Collection, I have received a notice from the collection firm Franklin Collection ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX  that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. 
Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to XXXX XXXX and XXXX.thankyou in advance CFPB for your help with this matter!
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (VA)

XXXX keeps giving a debt I do not owe to different collection agencys and they keep putting it against my credit. I have talked to XXXX and they said they have cleared it up that was in XXXX and now they have given it to receivables performance and they have put it against my credit. I have XXXX  on voice mail and email saying they messed up and had a different amount than what receivables performance is saying.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding has all my information. I did not sign a contract with Midland for any debt.

they keep making harassing phone calls and are telling me that she has something for me and she is coming to get me. I have no clue what she is referencing. I do not know what debt they bought. I did not sign a contract with Midland ever in my life. I do not know what documents they have to have my social and date of birth. Very upsetting to know they can use my social and dob to threaten me. XXXX told me I was stupid and she will not let me talk to her to resolve any issues. She is not professional at all. She told me i need to show up for court today XX/XX/XXXX but nothing is at the courts office.
Consumer complaint received 2021-05-03
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. (NY)

Due respect after unknown about this XX/XX/XXXXAccount XXXX in my name after I try to get a loan from a banking institution I called the above said mentioned company to have their allegation sent to me there is a card was open in my name on the XX/XX/XXXX which I know nothing about in the sum of {$1.00} I contacted the XXXX major bureau with all the credentials the asked for Experian is still reporting this adverse on my credit report which give me a negative impact to my small business which I am trying to buy I send copies of letters with the fraudulent signature for this action XXXX XXXX as remove it XX/XX/XXXX as remove it in XX/XX/XXXX Experian had reinvestigate their finding is unchanged as a crime victim my information my PII is still compromised after every thing i tried with this credit bureau I have so many hard inquiry trying to get resources for my business I have proof that I did do this the only thing should be showing on my credit report is my equity loan on my home, XXXX XXXX, XX/XX/XXXX d,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX all my other account are paid in full am only usingXX/XX/XXXX percent of my cards yet still because of this act I am so confused I need to get some help to advance in getting resource to help me get my foster parenting home Thank you for my concerns
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CO)

Due to extensive customer service issues I decided to cancel my American Express credit card. I called the customer service line on XX/XX/2021 and received assurances that the card would be cancelled. As of XX/XX/2021, not only has the account not been cancelled, but a new account has been opened, and the card associated with the account has been sent to an invalid address.
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC. (SC)

They call my office number XXXX times a day. I have informed different persons on the line a total of 4 times that the person they are trying to reach is not at that number and they need to delete the number. I have also clicked the option of " if this is not the person we are trying to reach '', but they still call. They have told me that they will delete the number, but continue to call every single day.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX ( XXXX ) sold my account debt of {$590.00} to XXXX XXXX XXXX and closed the account on XX/XX/2017. When I check my credit report, the balance owed still shows {$590.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX ( XXXX ) sold my account debt of {$590.00} to XXXX XXXX XXXX and closed the account on XX/XX/2017. When I check my credit report, the balance owed still shows {$590.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX.