davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX 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 in those account to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-04
Product: Credit reporting 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)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-03
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: Experian Information Solutions Inc. (CA)

Experian Credit Bureau is refusing to obtain the proof I asked for from XXXX XXXX XXXX. XXXX XXXX XXXX has not provided me with the proof I am asking for! This collection account needs to be removed because it is fraudulent! Meaning, I did not put it there, Experian did not put it there, but Experian is allowing it to go on by not removing it immediately from my credit files or providing physical proof that the debt is valid! There is a derogatory file on my credit reports that I am swearing, is not mine. All I'm asking for, is for proof from Experian that the account that XXXX XXXX XXXX says is mine, to simply show me my signature on any agreement or contract and I will stop. But if XXXX XXXXXXXX XXXX  can not provide the paperwork that proves the debt is mine, then Experian must do what they are responsible for doing which is, to immediately Remove the Fraudulent account off my credit profile. I am asking the CFPB to please assist me with this problem as it is causing XXXX, my XXXX  and our business great harm! The file XXXX XXXX XXXX is claiming is mine, is not and either way, they must provide proof as is required by the FCRA. Thank you for your help in this matter.
Consumer complaint received 2017-11-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I inherited a small Bank of America IRA from my mother ( {$730.00} ) when she XXXX XXXX earlier this year. I called Bank of America on XXXX/XXXX/XXXX at XXXX a.m. to inform the bank that due to extremely poor customer service in helping me settle my mother 's XXXX, that I had no intention of maintaining the inherited IRA with Bank of America. I was told by the bank of America representative that I had no choice, but to complete the bank 's paperwork before I transferred the IRA to another institution. I followed their instructions and completed a " Distribution Election '' form and mailed the form to the bank. I received a confirmation from Bank of America that the inherited IRA was set-up on XXXX/XXXX/XXXX. At that time I completed transfer paperwork to have the IRA transferred to another institution. When I received the confirmation from the new institution, I noticed that the value of my account was {$50.00} less than the {$730.00} from my XXXX/XXXX/XXXX Bank of America statement. I was told by the new institution that Bank of America charged a {$50.00} fee. I called bank of America and was told that the {$50.00} fee was an account closure fee. I explained to the representative that when I spoke with Bank of America on XXXX, that this fee was not disclosed. I checked the only paperwork I signed and there was no disclosure for an account closing fee. I asked the representative to refund my {$50.00}. He said he did not have the authority to do so. I asked to speak with his supervisor and was on hold for over 15 minutes. The supervisor never got on the phone line. Since the bank never disclosed the {$50.00} fee ( 7 % of the account value ), I feel they should refund the {$50.00}. Thank you.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I filed an ID Theft report with the FTC on Experian to investigate my accounts and remove the inaccurate information. Experian claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. The consumer reporting agency Experian did not remove all fraudulent and inaccurate accounts that have been furnished on my consumer file and I have never gave my consent to furnished these accounts. No consent is Identity Theft and I have attached evidence that these consumer reporting agencies are in violation.

I demand you cease and desist pursuant to federal laws 15 U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information.
15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-03
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. (IL)

It has been over 30 days, and the creditor has failed to update the information or provide any proof or documentation regarding a late payment. They have neglected to supply this information, and as such, they must delete the alleged late payments from my credit report immediately. 

Under federal law, they had 30 days to complete the investigation. Their failure to comply with this requirement mandates the immediate deletion of this item from my report. 

This matter is non-negotiable and must be resolved without further delay.
Consumer complaint received 2017-11-09
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. (TX)

I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : The 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 and XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I was solicited by Capital One 360 to open a Checking account, as an existing credit card customer. The terms ( as captured by a screen shot of the offer ), were for a bonus of {$300.00} to be deposited to my checking account after receiving two direct deposits of {$250.00} or more ( each ) within 60 days. After receiving two ACH deposits of {$250.00} ( each ) into my account, I checked with the bank by phone, and a representative confirmed that the requirements had been met, and that the deposit would be made within the next month to two. When I followed up with the bank, I was again told that the requirements had been met, but sometimes it took longer for the bonus to be received. When I contacted the bank again on XXXX XXXX via chat, I was told that the offer was in fact only {$100.00} ( which, according to the representative was recorded to my account ), and that the two ACH deposits did not meet the requirements of being " direct deposits ''. 

Capital One 360 clearly makes no effort to proactively deposit the " bonus '' offers they use to entice customers, and probably owes their customers a great deal of money, in addition to using illegal ( if not borderline ) practices in doing so.
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

I checked my XXXX Credit Report and discovered that Credit Collection Services was reporting on my report. I have never heard of them. I have n't received any Validation from them about any debt I supposedly owe. I do n't have a contract with them neither have I ever received any documentation about this company or the original creditor that 's been reported. I want this negative reporting deleted from XXXX credit file.
Consumer complaint received 2017-11-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO. (GA)

I have old auto debt from 2007 and my car was voluntarily repossessed. My father was the co-signer and they keep harassing my father. He is not employed. They have filed a judgement against him and they were taking money from his checks when he was working. My father is very sick and I am not employed either and XXXX and XXXX continues to harass us by sending us court papers to try to collect this old debt. We do not have this money. They already have the vehicle and have resold it.
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

When I signed up for the secure Capital One card it was advertised to report to all 3 credit bureaus. I have had the service close to 8 months and they only report to XXXX. I called about 3 months after I joined and the representative said sometimes it takes a while but by 6 months I should see it reporting but that still isnt happening. I love the service I am getting with Capital One, I just wish they reported to all 3 credit bureau 's like they advertised.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with Capital One, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with Capital One, so I called Capital One about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that Cap One likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from Cap One. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called Cap One again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and Cap One not correcting its error, I am left with no option but to seek assistance from the CFBP.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I had a account with USAA that i filed chapter XXXX on and it is still active. My wife 's credit report is showing 90 days late on this account, she was an authorized user only.
Consumer complaint received 2017-11-09
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: EQUIFAX, INC. (VA)

I initiated a credit report investigation with Equifax on XX/XX/XXXX. Equifax sent me an email on XX/XX/XXXX at XXXX advising me that the my credit report was ready to view online. I attempted to view the credit report online and was not able to. On XX/XX/XXXX at XXXX, I was awakened from my sleep with an electronic reminder to check my credit report online and I was once again unable to. 

Equifax advised me that they would resolving this issue last week and would contacting me when it had fixed it. I received no phone call indicating that the issue had been resolved. 

I firmly believe that this has been done on purpose as to preclude my ability to obtain my credit report without calling in or mailing in. 

I firmly believe that Equifax is attempting to withhold my credit report to delay and preclude my ability to make disputes because it profits by keeping incorrect/fraudulent derogatory information on my credit reports. The longer that Equifax can keep incorrect/fraudulent information on my credit reports the more it may profit. 

I have attached a copy of Equifax ' fraudulent statement indicating that my credit report was available online and subsequent refusal to provide it to me.
Consumer complaint received 2016-04-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (VA)

This company has never submitted any definite proof that this debt was mine and have had plenty of time to do so. They need to remove all their information from my credit report. My information has been stolen so nothing less than a signed contract will be accepted.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BROKER SOLUTIONS, INC. (CA)

XXXX XXXX XXXX is falsely reporting an alleged 30-day mortgage late payment on a joint mortgage I have with a family member. 
I contacted them through my Loan Advisor to get them to delete the false late but they responded saying no. 
Because, since that alleged late payment ( XX/XX/XXXX ) they since transferred the Servicing to XXXX XXXX XXXX ( XX/XX/XXXX ) I can not access the actual pay history in XXXX XXXX 's portal or any other way. 
I provided XXXX XXXXXXXX XXXXXXXX XXXX Statements from my family member which clearly show EVERY SINGLE PAYMENT XX/XX/XXXX-through XX/XX/XXXX paid within 30 days of the due date. They are not acknowledging the fact. 
XXXX XXXX
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (VA)

I have had dealings with XXXX XXXX, I will admit this but not once, in any written letter or e-mail sent to me, have I ever received a bill saying I owed them money. What is this debt for? With the data breach, is this debt even mine? And why have I received no letter in the mail from the collector about this debt before they are allowed to put a negative mark on my credit report. I disputed this once with XXXX already and they put it back up again and I still have no letter in the mail. I am definitely disputing this debt.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Began mailing in certified USPS letters to XXXX, Experian and XXXX requesting the 30 day investigation on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I have sent six dispute requests in to each of these companies with no follow-up. In fact, they aren't providing me with a human experience or investigation, they keep sending me a postcard even though I sent them my ID and a utility bill which is what is asked in order to open up a dispute. When I call in, I can never get a human on the phone to discuss my disputes. I am filing a grievance over the fact that these companies are mishandling my consumer report and violating my rights to the Fair Credit Act.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint personally. After examining my credit history, I found late payments recorded. I sent correspondence regarding this issue over a month ago but have received no reply, nor have they provided adequate verification of these entries. I'm seeking your help to address this situation.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.