davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}.

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/XXXXand 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. 

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MI)

I just received an alert on my credit report ( XXXX and XXXX  ) that this company is being reported. I have never contacted or paid this company and I have never done business with them and they have no right to be reporting on my consumer reports. This is causing an unwanted negative effect on my reports! I have proof that I DO NOT OWE THIS COMPANY ANY MONEY, nor have I ever been in contact with or have any contracts with this company at all!
Consumer complaint received 2020-05-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OH)

Great Lakes has wrecked my credit score by improperly reporting my payment status as " deferred '' in violation of the CARES Act to the credit bureaus when I have continued to make payments on time, every time and advised that I did not need to enter forbearance as I was paid ahead through XXXX of 2020. They attribute this to a " coding error '' but have not rectified this with the credit bureaus. THEY NEED TO HAVE ACCOUNTABILITY and the Department of Education has no system in place to penalize servicers for errors of this magnitude.
Consumer complaint received 2022-08-25
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account 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. 




In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account 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.
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681CXXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2020-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Account No : XXXX XX/XX/2018, the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX entered my home, violently attacked my children, left a scar, and stole my sons XXXX XXXX. On XX/XX/2018, the XXXX and XXXX gang told me twice that XXXX XXXX and XXXX ordered the attack. The attackers also said they have been monitoring my home for months. I have been paying promptly. I explained the XXXX retaliation situation many times and I always said I would pay and asked for time. I also mentioned that the XXXX case is ongoing in XXXX. 

Sunday, XX/XX/2018, in-humanely XXXX XXXX and XXXX attacked my son, left a scar, and stole his XXXX XXXX. The next day, Monday morning, when my son went to school ; the school said that his XXXX XXXX licence plate is cancelled. I dont know how XXXX XXXX XXXX school knew about the licence cancellation very quickly. 
I have invested over {$26000.00} in my sons XXXX XXXX. I have been following up with Bank of America since 2018 on this incident, but no response. I financed my sons XXXX XXXX through Bank of America ; does Bank of America have the policy to send XXXX and XXXX XXXX, take my sons XXXX XXXX without any notice, and violently attack my children? 

What happened to my {$26000.00} investment? 

Which policy allows Bank of America to send XXXX XXXX and XXXX to take my sons XXXX XXXX without any notice and attack him? 

XXXX Bank of America have the policy to monitor my family? 

I always said I would pay. I want my sons XXXX XXXX ( XXXX ). I will pay the money. And I also want compensation for all the sufferings and losses we endured unjustly because of Bank of America 's violent act. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

The information displayed in my credit report is inaccurate, therefore it must be deleted per the FCRA. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

*Please note that the bureaus did not reply to my dispute letter.
Consumer complaint received 2020-05-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

Wilshire Consumer appraised the value of my vehicle over and above the NADA guidelines according to the condition of my vehicle. The vehicle is a rough trade in according to NADA 's guide value report. That value is {$1200.00}. So far I have made 6 payments on the vehicle and no principal has been credited as agreed. the vehicle was appraised at {$2500.00}, {$1200.00} more than it's true value. I am requesting that the vehicle title loan be cancelled at a {$0.00} balance. XXXX | XXXX XXXX XXXX XXXX XXXX XXXX Transaction Type Transaction Date Amount Balance + Payment - Other XX/XX/XXXX {$150.00} {$2400.00} + Payment - Other XX/XX/XXXX {$100.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} I found three complaints regarding Wilshire Consumer Credit : Search results Westlake Services , LLC, d/b/a Westlake Financial Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital , LLC | Consumer Financial Protection Bureau https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/westlake-services-llc-dba-westlake-financial-services-llc/ Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital ... Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wi ...

Westlake Services , LLC, d/b/a Westlake Financial Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital , LLC | Consumer Financial Protection Bureau https : //www.consumerfinance.gov/administrative-adjudication-proceedings/administrative-adjudication-docket/westlake-services-llc-dba-westlake-financial-services-llc/ Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital ... Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wi ... 
CFPB XXXX XXXX XXXX XXXX XXXX to Provide Consumers {$44.00} XXXX in Relief for XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX : XXXX XXXX Services and Wilshire Consumer Credit XXXX XXXX XXXX XXXX ... Indirect Auto XXXX XXXX XXXX XXXX Consumers {$44.00} XXXX in ...
Consumer complaint received 2020-05-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

Follow-up complaint ( See Prior Complaint ID XXXX - filed to stop harassing calls/billing for items that were covered/paid by insurance and Kia dealership " loyalty payment for buying another Kia to cover end of lease fee '' ). I requested as part of the resolution that I receive in writing confirmation of a final statement reflecting both payments from the insurance and Kia dealer and showing the XXXX balance so I have it for my records. Kia only responded to the consumerfinance.gov online complaint indicating that all has been resolved. I have patiently waited for over 4 months for any correspondence to myself confirming the matter is resolved. As of today 's date, I still have not received confirmation in writing, which was requested in the original complaint as part of the resolution that the matter is truly resolved. Having received no correspondence from Kia, I do not consider the matter closed and will continue to issue complaints for assistance until I have proof in my hands.
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (CT)

I made a payment to TD Finance of {$220.00} on XX/XX/XXXX to satisfy my XX/XX/XXXX payment obligation. I then made another payment for {$220.00} on XX/XX/XXXX to satisfy my XX/XX/XXXX payment obligation. TD Finance recorded both payments as received in XXXX and no payment received in XXXX. I called and was told that because my payment came in before the XX/XX/XXXX cutoff date that they recorded the two payments as a double payment in XX/XX/XXXX and no payment in XX/XX/XXXX. They then listed my account as being in arrears. I contacted them once by phone at which time an operator named XXXX stated she could not change the information and would have a supervisor contact me. No supervisor contacted me for two days at which time I sent them an E-Mail describing the problem. A week later they sent a return E-Mail stating that they would not correct the problem due to a late payment by me. I again E-Mailed them stating that I had not made a late payment, I had made an EARLY payment. I find this to be ridiculous and only view this as a large Finance company seeking to take advantage of a responsible individual with a spotless credit history by increasing my payoff amount and negatively affecting my credit history.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (UT)

I closed my account with XXXX and was told by the rep what my final bill was and paid it. A short time later I got a bill from XXXX for {$450.00} with no explanation as to the charges. I called XXXX and they could not access my account to tell me what the bill was for. As far as I'm concerned, the final bill the rep gave me when I closed the account was all I owed XXXX. The next thing I knew I was getting letters from a collection agency. 

The very first letter stated that if I responded by a certain date, they would not report the collection. A response was mailed weeks before that date and they have now placed that collection on my credit report. They never answered that letter. They sent a second letter with additional charges on it with no explanation of what those charges were for. I've repeatedly asked for details of what the XXXX charge was for and what their charges were for. I have yet to receive a response. Then Convergent offered to settle for 80 % of the increased amount ( that had no explanation ). The original bill was {$450.00}. 

I want this bill erased. XXXX had charged my card after the account was closed. I reported it to my bank who agreed the charge was not valid and returned the money to my account. I paid the final amount I was told was due at the time I closed my account. They aren't entitled to anything else. I also want this collection removed from my account and Convergent held responsible for failure to reply to XXXX requests for information.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

My wife has ( had ) a savings account with Wells Fargo. The bank has seized the account, blocking all access to the account. I have tried to contact the bank to resolve. They have not responded. The in-branch customer service person says they can't help me.
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (NV)

XXXX, I informed Experian that I was a victim of identity theft. Most accounts were removed excluding 1 ( XXXX XXXX ). I've disputed the account continuously, accompanied with FTC Affidavit and local filed police report #. Not once was any documentation provided from the bureaus or the creditors. XXXX  and XXXX   remedied the accounts almost immediately, unlike Experian. 

This year, XXXX, I received an alert that one of the accounts that was previously removed had been reinserted ( XXXX  XXXX ). I almost instantly sent Experian documentation reminding them that the account was fraud and that I'd undergone a name change as well. They ignored the name change request earlier this year and continued to report that both accounts were verified. 

XX/XX/XXXX, I sent Experian all of the documentation again ( XXXX tracking # XXXX ) and they sent me a letter stating they can not and will not update the name change because I am now legally mononymous. I informed them how the other bureaus were reporting it, and to just input the name in both 'first ' and 'last ' section. They told me, " no ''. I called for days, they said, " no. '' Then XX/XX/XXXX I received an alert that they'd initiated my dispute. The dispute completed last night, XX/XX/XXXX, with both items remaining. 

However, XX/XX/XXXX I sent a follow up letter informing them that it had been past the 30 days and the items must be deleted immediately. I'm on the phone presently as I'm typing this with an Experian representative, and they've informed me that they will not remove the items since they were verified accurate, completely disregarding not only that they're fraud, but that it's past the 30 days since they signed for and received the dispute.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My debts were consistently paid on time until my XXXX  on XXXX XX/XX/XXXX when the XXXX XXXX judge of XXXX XXXX assigned my mortgage and home equity line of credit debts to my ex spouse. Yet following the divorce 5/3 bank reported me to credit agencies, such as XXXX  as paying late and has never corrected this error. 
As a result I can't get a credit card at XXXX and have a low credit rating which has caused me other problems. I have contacted 5/3 to resolve the matter and they responded in a letter dated XXXX XX/XX/XXXX which said that the divorce decree did not alter ownership of my debt. 
In paragraph # 2 of divorce case XXXX. XXXX XXXX XXXX states : 1. Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall have no financial or other obligations with respect to the land contract ... 
2. The three parcels of farmland ... shall be refinanced by the defendant ( XXXX XXXX XXXX so as to remove Plaintiff 's name XXXX XXXX XXXX XXXX from any and all obligations with the XXXX Bank. 
3.If defendant XXXX XXXX XXXX XXXX is delinquent ( within a period of 60 days ) in any payment with regard to the two 5/3 bank accounts defendant shall ... cause them to be sold to ... pay both of the 5/3 bank obligations in full. [ He did not do this. ] 4. Refinancing shall be completed by Defendant as soon as possible not to exceed 30 days from the effective date of this order. 

Attached are 1 ) Pertinent pages from the divorce decree ( to include paragraph 2 ) 2 ) A 5/3rd letter, dated XX/XX/XXXX in which 5/3 states that the account has been paid in full and is closed.