davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WA)

I have been unable to setup my online account since being approved for my account on XX/XX/2022. I have accessed the website to setup my online account, https : //www.barclaycardus.com/XXXX XXXX XXXX XXXX but despite repeated attempts I always receive an error message. I have contacted the bank approximately 100 times via telephone and have not received a resolution to my issue. I have been told that the bank is experiencing technical issues and I will need to call them back, that they can not find my account anywhere in their system, and that It is just a glitch and that I need to wait a few days. When I've asked to speak to a manager, I've been told they will call me back in 10-15 business days. I enrolled in paperless billing when I signed up for the account, thus I need online access to review my statements and provide payments. I have contacted via telephone and XXXX, and at this point I have no other options besides CFPB.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (TX)

Trident Asset Management is furnishing inaccurate, and unverifiable information to the consumer reporting agencies. Trident is reporting different account activity dates to each agency. Trident is reporting different account status dates to each agency, they report closed to one and open to another agency. Trident is reporting multiple address for their company in an attempt to deceive the consumer and make them unreachable. Trident is not reporting that this debt is in dispute by the consumer to Equifax. Trident is derelict in their duty as a data furnisher. They knowingly or should know that the information is inaccurate. They have never received written instruction from me giving them permission to furnish a consumer report as it relates to me. Trident has never replied to the Notice of Debt Validation which they received from me. Trident Asset Management is engaging in fraudulent and deceptive means in an attempt to collect a disputed debt.
Consumer complaint received 2022-06-09
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. (IL)

there are 9 fraudulent inquiries on my credit report. 

below are the names 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 2022-09-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rodenburg LLP (SD)

XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was discharged in bankruptcy. Rodenburg Law Firm is trying to collect on their behalf.
Consumer complaint received 2022-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TN)

Transworld sent me a letter/collection invoice dated XX/XX/XXXX for an alleged {$160.00} debt. Pursuant to 15 U.S.C. 1692g, I sent a validation letter dated XX/XX/XXXX sent by certified mail - tracking number # XXXX. However, Transworld violated the law and reported this fraud account to the CRA 's ( XXXX, XXXX, and XXXX ) starting XX/XX/XXXX, violating the FDCPA. Transworld replied to my validation letter well past 30 days with a letter dated XX/XX/XXXX ; the contents of the letter confirmed to me that this was not my debt and is a fraud account. Transworld has committed multiple violations of the FDCPA. Please see attachments.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX is reporting incorrect information on my reports and needs to be removed immediately and never placed again its reporting balances that are not correct that includes interest rate charges which by law is incorrect! Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-12-04
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 (TN)

Applications were made for credit cards using my information by unknown persons. Applications were made approximately around XX/XX/XXXX - XX/XX/XXXX. The were made at Capital One, XXXX XXXX, XXXX and XXXX. I contacted XXXX XXXX XXXX by XXXX with XXXX and a case was opened. On XXXX their fraud department contacted each company to inform them that the applications were not made by me. A card had been issued by XXXX and was cancelled. The other applications had been declined. 

Also, my XXXX Bank XXXX card had been hacked and charges were made on XX/XX/XXXX. On XX/XX/XXXX I contact XXXX  card services and canceled the card. On XX/XX/XXXX I visited my local branch offices and reported the hack and filed a report. 

On XX/XX/XXXX an unknown person filed a mail forwarding request for our mail to be sent to an address in Georgia. On XX/XX/XXXX I reported this to the XXXX, TN post office. We did not receive our mail until XXXX. 

On XX/XX/XXXX I filed a police report with the XXXX XXXX Tennessee police department.
Consumer complaint received 2022-12-04
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: Lake Area Collections, LLC (LA)

The collection agency Lake area collection is violating my rights under the No surprise Act of 2022. I have a medical bill in the amount of {$330.00} from XX/XX/XXXX that an out of network provider is charging without my prior authorization. I am requesting these two items be removed from my credit report immediately as I am allowed a fair and correct credit report according to FCRA
Consumer complaint received 2022-12-04
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: CREDIT ACCEPTANCE CORPORATION (AL)

In accordance with the fair credit reporting act XXXX account # XXXX, has voilated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Auto Trakk, LLC (PA)

ON XX/XX/2022 AUTOTRAKK LLC threated to take legal action against me XXXX XXXX XXXX XXXX, consumer first, for not paying for a debt has not been validated legally and they threatened to get me arresting under XXXX  XXXX XXXX. This is against the fcra and i have came to this knowledge recently, AUTOTRAKK LLC has caused me fear, defamation of character, and grief with the inaccurate reporting in which i cant be approved for anything and committing to get me arrested which is unlawful un the FEDERAL PROTECTED CLASS FCRA 15USC1692e as it states " A DEBT COLLECTOR, IN COLLECTING A DEBT, MAY NOT USE ANY FALSE, DECEPTIVE, OR MISLEADING, REPRESENTATION. FOR EXAMPLE, A DEBT OLLECTROR MAY NOT : THREATEN TAKE ANY ACTION WHICH IN NOT LEGAL OR INTENDED.ALSO FALSELY REPRESENTS OR IMPLY THAT A CONSUMER COMMITED A CRIME OTHER CONDUCT TO DIGRACE THE CONSUMER. DEBT COLLECTORS WHO VIOLATE THESE LAWS CAN BE HELD CRIMINALLY LIABLE UNDER THE FCRA UP TO {$1000.00}. 

I also sent a cease and desist letter out on XX/XX/2022 VIA EMAIL AND CERTIFIED MAIL to AUTOTRAKK LLC AND THE CEO XXXX XXXX, XXXX, XXXX, AND XXXX and replied back and said and i quote " that don't mean anything to us '' AUTOTRAKK LLC has completely disregarded my cease and desist and is in violation according to law.in the FCRA it states " WHEN A CONSUMER REFUSES, IN WRITING, TO PAY A DEBT OR REQUESTS THAT THE DEBT COLLECTOR CEASE FURTHER COMMUNICATION, THE COLLECTOR MUST CEASE ALL FURTHER COMMUNICATION, EXCEPT TO ADVISE THE CONSUMER THAT : THE COLLECTION EFFORT IS BEING STOPPED. Beyond this point i have received over 50 phone calls all attached below in attachments. They have harrassed me for months after me telling them verbally and written letter to leave me alone and stop communicating with me and all CRAS ABOUT THIS DEBT. also attached is my consumer profile information from AUTOTRAKK LLC up to date as of XX/XX/2022 which should not be reporting.
Consumer complaint received 2022-12-01
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. (NY)

XXXX, I did not request a dispute with you through Equifax. Equifax fraudulently requested on my behalf without my permission and I am planning to pursue legal action. Please provide in writing who requested this dispute. My statement balance is {$0.00}. Why are you randomly updating my consumer report? You have no permissible purpose to report or share in the first place. Consumer reporting is voluntary and you do not have my permission pursuant to the FCRA.
Consumer complaint received 2022-09-13
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. (GA)

The Credit Bureaus have failed to respond to my dispute letters and claimed that the disputed erroneous accounts are verified. Despite the countless dispute letters as well as CFPB complaints, the Credit Bureaus have failed to properly investigate the accounts and they decided to continue their erroneous reporting. I have read that under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-06-26
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account name : XXXX Date : XX/XX/2021 Account name : XXXX XXXX Date : XX/XX/2021 Account name : XXXX XXXX  Date : XXXX XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

In XXXX of XXXX I discovered that I could no longer continue in my employed profession due to suffering a XXXX XXXX and the following surgeries. I applied and was approved for XXXX. However, I was advised that my pay would not start until much later. 

My wife and I contacted our mortgage company and explained our situation. We requested a deferral, an adjustment, or any relief to aid us through this situation. Not only was nothing offered to us ; we were not allowed to make any payments that were not the full amount. This continued for almost a year. 

In XXXX of XXXX ; I received my first XXXX check which included past months of eligibility. Excited I contacted the mortgage company to apply the entire amount to my past due amount. I was informed that they could not accept the amount because it was short of the entire amount of delinquency which included late fees and penalties. During XXXX conversation my wife had with a service XXXX ; she was informed " Well, you could always file for bankruptcy ''. Frustrated, and at my wits end, I did not know what else I could do. 

The mortgage company foreclosed on the house, and it was scheduled for auction in XXXX of XXXX. My wife and I filed for bankruptcy which stopped thefi sale. Unfortunately, we filed XXXX XXXX ( stupidly ). We were able to rescind that motion and stop the bankruptcy. During this time frame I discovered an article stating that the CFPB settled with the same mortgage company with a consent order. 

I am in contact with the mortgage company trying to be fair. Here is the recommendation from them : Short Sale-approved, Deed-In-Lieu-approved, Home Retention-denied. I do have a law firm on retainer in case I must file bankruptcy or take them to court. 

I do have documentation I can send to you via overnight mail.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (CA)

Without my written consent, Navy Federal has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$7600.00} and further extort me and cause harm to my credit reputation. Navy Federal has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Navy Federal any written instructions to furnish any information to my consumer report. Navy Federal has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Navy Federal has failed to clarify or correct these billing errors. Navy Federal has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Navy Federal has chosen to punish me for nonrepayment of this extension of credit by closing my account. Navy Federal is not in compliance with 15 USC 1692e. Navy Federal has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to XXXX further reflecting a XXXX  balance owed.