davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (TX)

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple written requests for correction, dated XX/XX/year> and XX/XX/year>, Equifax has neglected to address these errors. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account breaches this legal obligation. Additionally, as per 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the due date, which has evidently not been adhered to given the erroneous late payment entries.

TILA Violations : The Truth in Lending Act emphasizes accurate and timely disclosures for consumers. The persistent misreporting of late payments on my account has harmed my creditworthiness, which TILA intends to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to deliver timely statements, ensuring consumers are not penalized unfairly. The accounts inaccurate late payment report violates this protection, affecting my financial standing. 
XXXX Action Taken : XXXX has proactively removed the account due to the verified errors in late payment reporting. Despite this corrective action by XXXX, Equifax continues to report inaccuracies. 
Equifax Reporting History : Late Payments Recorded : XXXX late payments in XXXX and XXXX Two-Year Payment History : Consistent " OK '' status reported except for XXXX and XXXX Days Late - 7 Year History : Equifax - 30 days XXXX XXXX occurrences This unresolved error impacts my financial reputation and credit score. I formally request the immediate removal of all inaccurate late payment notations from my credit report, as has already been done by XXXX. If the issue persists, I am prepared to escalate my complaint, potentially involving legal action and additional complaints to relevant consumer protection agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-27
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. (NJ)

I have a collection with XXXX  XXXX ( Account number XXXX ) in the amount of {$930.00} for XXXX XXXX XXXX. I provided the proper notice at the end of my lease and had the apartment professionally cleaned. 

Since XX/XX/XXXX, I have been trying to get XXXX  to provide a breakdown of what XXXX claims I owe. They have not provided it. The FCRA provides that a consumer may contact the data provider about a dispute ... that data provider must adhere to the same 30 day time frame for responding or delete the item that the bureaus must adhere to. ( Section 623 FCRA ).

I demand that this item be removed from my file due to a clear violation of both Innovative AND this credit bureau with regard to following the FCRA guidelines.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

My wife and I have had a Chase checking account for 20 years and have deposited from {$8000.00} to {$17000.00} per month. We have never had a problem and we have no criminal histories. My wife religiously reviews each statement. In late XXXX my wife was XXXX with XXXX XXXX. This event resulted in 3 months of stress, XXXX, and fear, driving 100 miles each way 3x per week for appointments with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  During XXXX, XXXX, XXXX, XXXX XXXX, many routine activities were disrupted and neglected, including review of checking account statements for fraudulent activity. During this chaotic time, neither of us even looked at the checking account except in early XXXX I briefly looked at the account and saw 11 consecutive unrecognized, unauthorized charges which occurred on XX/XX/XXXXI disputed these and Chase fraud appropriately credited our account. In late XXXX, XXXXXXXX XXXX XXXX and things returned to normal. Upon carefully reviewing the statements for XXXX, XXXX XXXX XXXX, we were shocked to see ~ {$8000.00} of repeated unauthorized charges taken from our account using my debit card number. These were all charges from an assortment of well documented XXXX XXXX XXXX-based " merchant/financial '' scammers. The internet has report after report on rampant debit card fraud fraud perpetrated by these criminals. We, with the help of our branch manager, filed a dispute and claim for these charges on XX/XX/XXXX. We fully expected Chase to honor their legal responsibility, provisionally credit our account with the charges and investigate. Instead, we received a letter on XX/XX/XXXX stating that Chase was irreversibly closing our account and that all disputed charges were considered to be authorized by us. The explanation given was we were a high risk. They then locked us out of our account, reversed all previously-credited disputed charges and basically treated us like dirt. They also emptied the checking account ( ~ {$2000.00} ) to pay for previous claims which they reversed.

We consider this treatment to be grossly unfair, illegal, and inconsistent with the tradition of banking in America.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (IL)

Hello my name is XXXX XXXX XXXX. I am a victim of identity theft and my personal information was compromised. Accounts was opened in my name without my consent. I also just recently filed bankruptcy and I included Regions bank with my filling. Attached are the legal documents
Consumer complaint received 2022-11-29
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: Louisiana Recovery Services Inc. (LA)

XX/XX/ reached out to Louisiana Recovery Services to remove an account that was included in a bankruptcy as it is being reported on my credit report incorrectly and it is causing problems with reducing my score. They will not remove the account off of my report as I do not owe Louisiana Recovery Services. XXXX XXXX was the original creditor and the account was resolved with a Bankruptcy.
Consumer complaint received 2021-08-04
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)

I sent a letter to Experain request that they provide me with " The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with and The documentation used to verify the dispute '' they have not honor the request as they continue to be in Violation of the FDCPA 807. False or misleading representations
Consumer complaint received 2021-04-23
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. (MI)

XXXX XXXX  does not service my loan and after consistently sending letters that have all been returned, I just now realize that this company is out of business! This company has never serviced nor held my loan! This company was fined by CFPB for fraudulent activity regarding peoples credit report!
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I am currently attempting to purchase a home. Toyota financial services is creating an issue on my credit report by reporting that I was 30 days past due for the month of XXXX. To be considered 30 days past due you need to be late 30 days past the payment due date. The payment is due on the XXXX of each month. They received payment for previous month on XX/XX/XXXX, an attempt of payment was done on XX/XX/XXXX which was returned and repaid on XX/XX/XXXX. Since the payment is due on the XXXX of each month this payment would not be considered 30 days past due until XX/XX/XXXX. Why because the payment was due XX/XX/XXXX. I have attempted to contact Toyota several times and I keep getting the run around. The last person I spoke to with the resolution team stated that the credit reporting team states that the payment is considered 30 days past due because it was 30 days past the last payment. That makes absolutely no sense. What if one month I decided to pay the lease early on the XXXX and then the next month I decided to pay it on the actual day its due which is the XXXX then they would report to the credit agency as me being late? Thats ridiculous Ive never heard of such a thing. They are falsely reporting incorrect information and this preventing my mortgage from going forward. Conveniently their credit reporting team has no phone number to speak to so Im left with no resolution. I want to correct this with all three credit reporting agencies immediately.
Consumer complaint received 2021-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Ascendium Education Group (MI)

HI, All Federal Student loans were discharged due to permanent and total XXXX. All of this was completed thru XXXX and the loans were discharged thru documentation provided by the VA. XXXX is the loan servicer and they sent me information showing the loans as in fact discharged. The problem is 5 FFELP loans guaranteed thru Ascendium are showing still active.

I have tried contacting your company on numerous occasions and have had zero luck in receiving anyone on the phones. I have also sent emails and have not received a response back. Maybe the contact information received is wrong ; who knows. I am attaching documentation from XXXX showing loans discharged. Again, 5 loans guaranteed by Ascendium are still showing active.

When logging into www.studentaid.gov it reflects I have zero Federal Student Loans.
Consumer complaint received 2021-09-23
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. (NJ)

Credit report agencies are reporting different information about an account on my credit report. They are reporting different " last reporting dates " and after the account shows that it had been charge off one of the agencies is still reporting OK Payments after 2 years that the account had been Charge Off..
Consumer complaint received 2022-04-25
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)

, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Knight Adjustment Bureau (WI)

XXXX is allowing Knights Adjustment Bureau to report past due balances on my credit report when the account in a Chapter XXXX. XXXX  is reporting a balance of {$270.00} and late payments for this account. I have disputed this account at least 5 times and XXXX  refuses to remove it or make the creditor report a {$0.00} balance like all the other creditors in my Chapter XXXX.
Consumer complaint received 2021-10-01
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: Experian Information Solutions Inc. (MD)

I've demanded a copy of all information on my consumer file from each credit reporting agency and have yet to receive this information. According to 15 USC 1681g, I am entitled to all information on file ; sources and report receipts upon request. Attached, you will find a scanned copy of my USA passport ID card in accordance to 15 USC 1681h.
Consumer complaint received 2022-04-25
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: Global Lending Services LLC (GA)

I went to XXXX XXXX XXXX to look at buying a new vehicle. I told sales person i only wanted my credit ran 1 time so i wouldn't have multiple hard inquiries on my credit report, now Im seeing at least 5 or 6 finance company on my report for the same day that my credit was ran at XXXX XXXX, that the only car lot I went to and only company I had run my credit. Can I have these hard inquiries removed?
Consumer complaint received 2022-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I went to XXXX XXXX XXXX to look at buying a new vehicle. I told sales person i only wanted my credit ran 1 time so i wouldn't have multiple hard inquiries on my credit report, now Im seeing at least 5 or 6 finance company on my report for the same day that my credit was ran at XXXX XXXX, that the only car lot I went to and only company I had run my credit. Can I have these hard inquiries removed?
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (KY)

On my XXXX credit report i have XXXX inquiries that do not belong to me nor did i authorize. the 1St one is XXXX  XXXX on XX/XX/XXXX, 2nd one is XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, 3rd is XXXX bank XX/XX/XXXX, 4th one is XX/XX/XXXX & XXXX XXXX Mortgage XX/XX/XXXX. THEY REMOVED ONE PREVIOUSLY that was a XXXX bank inquiry but did not removed the others as promised. this is absolutely insane that I have to go threw so much over inquiries, I was told if I did a freeze they would remove my inquiries and did not. Please REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open. 

On my EXPERIAN report I have XXXX inquiries that do not belong to me, The 1St one is XXXX  XXXX on XX/XX/XXXX, 2nd One is XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, The3rd one is XXXX XXXX MORTGAGE on XX/XX/XXXX XXXX lease REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open!!!
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (AZ)

There is. A fraudulent debt for. XXXX in. The amount of XXXX. That. Was fraudulently put on. My. Locked credit profile as a. Collection. This debt was sold. 3-4. Times and removed previously by all. 3 credit bureaus.. I filed a police report online and in person several years. Ago.. 


This. Fraudulent. Debt was the original cause of my credit file being locked and. I have. To keep having. It removed every few. Years.. 


Credit Resource. Mana has no right to put any charges on my credit and this fraudulent. Charge. Was. Placed on my credit profile from a. XXXX debt that was removed as. XXXX and by several other entities that XXXX  sold the. Fraudulent debt to. Over the years..
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accounts Receivable Inc. (WA)

On XX/XX/2021 I contacted ACCOUNTS RECEIVABLE Inc. And I spoke to XXXX XXXX , she was very professional but did not resolve my problem. This company is reporting me to credit bureaus that I owe them {$790.00} which I never had anything with this company or company they represent ( XXXX ) I informed XXXX that I was victim of a fraud and already emailed her police report and ID to prove my identity. 
I want ACCOUNTS RECEIVABLE to fix this issue ASAP, they ruined my credit score by almost 50 points with reporting something that is false.
Consumer complaint received 2022-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P. (TX)

In XXXX of XXXX, I changed bank accounts and I sent the information to Lendly before my XX/XX/XXXX payments were due. Lendly never completed the request. I called numerous times, before the due date of my first payment to address the issue and no one was able to assist me with the change until XX/XX/XXXX. I emailed the information over AGAIN on that date and the request still was not completed. Upon speaking to a Rep, the Rep stated that the payments were reversed and that they do not know why the XX/XX/XXXX payments were reversed and then wanted me to pay {$190.00} and my current payment that was due, all in one lump. But I did not feel that was fair, due to Lendly not updating the information when I sent my new bank account information in XXXX of XXXX. It was not my fault that the payments were reversed either, after the fact that the new bank account was entered in XXXX XXXXThe Lendly rep at the time stated to me on a RECORDED LINE that interest is not accrued on late payments, but I guess that was not true, because now I have made XXXX payments of my XXXX and they are stating that I have XXXX more payments, because of the mishap in XX/XX/XXXX. The interest is from XXXX till now and it keeps going up, even though Lendly has admitted that the mistake was on their behalf. I stated to them I should not have to pay late fees on a balance that was caused by them not completing their job of entering the updated bank information. It appears intentional, because the balance is caused by Lendly neglect.
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

I set of pay arrangement with the original debtor XXXX  XXXX. When my debt was sold to a collection agency midland that started harassing me on my job. I then attempted to dispute account it was removed and then placed back on my account a few months later. I do not owe anymore monies to this company and would like to see the original contract for proof.
Consumer complaint received 2021-10-01
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. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have asked Transunion how did the verify my dismiss XXXX they said that they verified through a 3rd party!! I called the court they said that they dont release information.
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

We moved into XXXX XXXX XXXX, XXXX on XX/XX/XXXX. We have the lease and move-in items checklist proving what we moved in with per signed lease agreements. Upon moving out of the apartments on XX/XX/XXXX we received a bill of listed items that had to be done by their maintenance staff. The listed items were false and inaccurate, one of the items was washer and dryer removal. The charges were submitted to NATIONAL CREDIT SYSTEMS credit agency on XX/XX/XXXX. I have the original lease documents proving these were inaccurate charges as we moved into the apartment and out of the apartment with our own washer and dryer. On XX/XX/XXXX I tried to dispute via XXXX with the dispute being verified as accurate. I attempted to dispute this item again onXX/XX/XXXX with the dispute being marked as " completed investigation of FCRA dispute - consumer disagrees ''.