davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (FL)

I have unsettled bills back in XXXX  and XXXX  which bills were too old to collect for hospital bills. These collection bills are old bills. They purposely lied and deformation of my character. Violated my right. I have disputed these charges and they will remove them and repost them. The credit bureau helps them by purposely putting false informations. These debts were supposedly old debts with XXXX in XXXX XXXX or XXXX in XXXX Fl dating back from XXXX XXXX XXXX and which my XXXX insurance has no recollection of any claimed debts. Based on the Statute of Limitations in Florida for Debt The statute of limitations for debt in Florida is usually five years. A creditor has five years to sue you for the money you owe. This is because most debts are based on written agreements and the statute of limitations period for contract actions is generally five years. 

americollect Balance {$150.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$120.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$100.00} Original Creditor : XXXX XXXX XXXX COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$470.00} Original Creditor : XXXX XXXX XXXXp XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$97.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX  XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$97.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment history reflects several late payments, including 30, 60, and 90, 120-day delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies. 
Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies. 
Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have this inquires in my credit report that are incorrect and should be deleted.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act, XXXX account number XXXX XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

XXXX, XXXX and EQUIFAX has furnish inaccurate information on my personal credit file. It is clear violations being committed by these bureaus. I have attempted many time to rectify this matter by disputes. Each time it comes back updated and not deleted and removed as it should be by law. Please remove and delete this inaccurate information from my credit file immediately. 
The account is paid in full and agreed by the lender to be reported as CURRENT, ON TIME and CLOSED. Each bureau is reporting different information as you will see in the documents I proved.
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act the following accounts violated my rights : U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX* US DEPARTMENT OF EDUCATION XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX xXXXX XXXX DEPT OF ED/XXXX XXXXXXXX XXXX 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 an account without my written instructions. Thanks!
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

So ive been hearing about how the reporting agencies aren't in compliance with Fair Reporting Rules and regulations. So, I investigated my report and sure enough there in black and white several errors and violations were there, so I begin to challenge the accuracy and completeness of their reporting of my Consumer report and all three agencies returned me verified and accurate accounts when they clearly investigated nothing. Everything that is violating my rights on my consumer report when i first started investigating is still on my report i have the documented proof letters and us postal certified mail that I've been requesting the correcting or removal of these violations for over 60 days now and the agencies continue to return accurate and complete information on my consumer report. 
1. Account XXXX is reporting three different account numbers, three different last date of payment, three different last day of account activity. 
2. XXXX child support is also reporting three different account numbers, three different a account status account also reporting after the case was dismissed and no fault found 3. XXXX XXXX is also reporting same wrong account numbers i attached files for proof
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I have tried to connect Credit Collection Services via mail twice but they have not responded with letting me know how I owe them this debt. They are unable to verify or validate that I owe them a debt. 

I have requested that they stop reporting this account to XXXX  and delete it. 

CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Account number as reported : XXXX Amount reported {$110.00}
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

I have been out of the country for six months and recently saw that my mortgage with Chase had jumped by an astonishing {$1500.00} per month. I paid it, believing it to be some sort of one-off adjustment to my escrow account, but then it happened again. I called the bank and they told me that FEMA had changed its maps and I was now in a flood zone. They also told me they had sent me notices by snail mail while I was out of the country, despite the fact that I opted for paperless banking years ago. 

The sent me, via e-mail, the notices from last year. The notices tell me to request a Letter of Map Amendment ( LOMA ) or Letter of Map Revision Based on Fill ( LOMR-F ) from FEMA if I think FEMA made a mistake, but I checked the map, and FEMA did not make a mistake. The bank did. In fact, they made three large mistakes, possibly with multiple errors within them. First, they failed to read the maps correctly. Second, they failed to contact me electronically, even though I had opted for paperless banking years ago. Third, even if they had contacted me electronically, as they are supposed to, the time it takes to get a LOMA would have left me in the same predicament. 

I spoke to FEMA, and they agreed I am not in a flood zone. They were able to walk through the map with me, and they told me I can still request a LOMA to be safe, but it would take six weeks to get. 

This may have begun as an honest mistake, but the mistake is not mine. Our house is one of six structurally distinct townhouses aligned along one street address but each with its own city address ( designated by numbers followed by letters ), as well as city services, deeds, homeowners insurance, utilities, plumbing, etc. Our house is far from the lake, and our elevation above the lake is substantial. We have no flood risk and are outside both the FEMA flood zone and all designated flood zones in other risk maps. 

Chase 's flood control team is hermetically sealed in a bunker in Ohio and can only be reached via fax. Even the Chase mortgage and insurance teams can't reach them any other way. 

The Chase mortgage team transferred me to the insurance team, which told me I still need to get a form from FEMA, which will take six weeks, and I have to either get cheaper insurance in the interim or trust them to refund my money when they see they are wrong. I have no such trust and don't want to saddle myself with insurance I don't need just because of their mistake.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

I sent out a letter to the collection agency. Paid for a Return Receipt because I want to track if it was delivered or not as proof. The address on their website is incorrect. Every time I mailed them it returns. Then I took it to CFPB and this is my 4th time submitting a case asking them to validate the debt. They reply back with a one-sentence saying they have proof then they close the case without validating the debt. In the last response, they gave me a number to contact them. I've been trying to contact them for over a year. I'm looking to hire an attorney to communicate with them at this point because the fact that Rent Collection Agency is not giving me the right to dispute, or not communicate with me before they accessed my consumer credit report is against the consumer protection laws.
Consumer complaint received 2021-05-07
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. (LA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-08-25
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXXXXXX XXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXX {$9800.00} XXXXXXXX XXXX  XXXX {$180.00}
Consumer complaint received 2018-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

When we purchased our home in XX/XX/XXXX the lending company, XXXX XXXX, qualified us with a payment that only included property taxes on the unimproved land. The tax payment totaled about {$500.00} a year. The actual taxes on the improved land were about {$4500.00} a year. The difference in monthly payments was about {$350.00} per month which would have prevented us from being qualified due to the debt to income clause for FHA loans and also not to mention we could not afford a {$1400.00} payment at the time as we only had budgeted for {$1000.00}. 

Fast forward to XX/XX/XXXX when we received an escrow analysis letter. This stated our escrow account was negative {$4000.00} dollars and we had not been called or notified prior to this letter. The reason it was negative was due to the property tax bill being paid out of that account in XXXX for the proper amount of property taxes with the improved land, about {$4400.00}. The escrow account had been negative for over a year and we had not been notified as well as not seen the balance inside our online account with Pennymac.

I called Pennymac after this to see if there was anything that we could do to mitigate this issue and not end up having to pay a total of {$8000.00} which was combined the negative balance from XXXX and XXXX. The original options they gave me were to pay the total up front, then my mortgage would only rise to {$1300.00} or spread the {$8000.00} balance over 12 monthly payments added to my mortgage, which would have doubled the payment from {$1000.00} to {$2100.00}. We could not afford this. When I called, they offered to extend the {$8000.00} balance from 12 monthly payments to 36 monthly payments which would then put the payment at {$1600.00} per month. 

This is then where we are, with a payment that went up {$650.00} overnight that we can not afford long term. We are burning our savings doing this and working two jobs.  We could possibly lose our house because of predatory lending from XXXX XXXX  and oversight on Pennymac 's side.
Consumer complaint received 2021-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

: I recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

American Express is looking to ruin my credit and the credit if all my additional card users. I never had a problem with payments in over 30 years. When covid hit. We didnt have a dime of income coming in. American Express said that it would be okay to pay late. They said they wouldnt report it. They lied. I had a {$10000.00} bill that was owed. We agreed to have me make payments over 3 years to fully pay up my balance. Since then every time there is a credit search done on me, my husband and all of my children that were additional users it gets killed by false information that they are reporting. I have made several phone calls and have been told that they will correct it. They never do. They are liars and are looking to hurt their customers
Consumer complaint received 2021-10-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I attempted to obtain a personal loan from this company & they denied me credit. This is a direct violation of 15 usc 1691 ( a ). Them denying me my credit is extremely untimely. I may lose my apartment & vehicle because of this denied credit. I have just started a new job on Monday XX/XX/2021. And without this credit I wont have a means to go to work.
Consumer complaint received 2022-07-14
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. (GA)

I did not give written consent to my private information on my credit report. My rights pursuant 15 USC 1681b has been violated as a federally protected consumer. See attached document with details of inquiries for removal.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

I joined a company called XXXX XXXX to be an independent consultant and sell their jewelry. I joined in XXXX of 2021 and purchased many many pieces with the clarification from the company that all pieces were Nickel and Lead free. Within the past couple of months, I have been made aware that the pieces do contain both nickel and lead and also have other toxic metals in them. I have lab results to verify this information from a credited lab. I have reached out to my bank to dispute all funds that were used to purchase these pieces since I can no longer sell this toxic stuff. I have tons and tons of pieces in my house that I have emailed XXXX  to ask for a refund and I would send the items back to them, but they are refusing. I also have documents where on XX/XX/XXXX their website stated it was Lead/Nickel free then on XX/XX/XXXX they removed that part of the statement on their website. I am just trying to get reimbursed for this XXXX that I have in my possession that I can no longer sell to people.