davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with 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 in 60 days 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 8
Consumer complaint received 2017-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Approximately 3 years ago I had a report put on my credit report that is not mine does not belong to me. The report was placed by a company called XXXX XXXX it was for an amount of {$910.00} they claimed it was a credit card that I did not pay. I never ever had a XXXX XXXX credit card ever. I proceeded to contact them and ask why they claim this belonged to me they said because it does. I asked numerous times for them to send me real proof or why they claimed it belonged to me. To this day they never have sent me any thing not one thing. This is because they can not they have nothing that proves this card ever belonged to me. They reported this to all 3 credit bureaus I proceeded to dispute this with all 3 of them. I asked them to give me proof or the proof they had that showed this to belong to me. After several investigations by XXXX they determined this did not belonged to me and they removed it. It took almost 2 years of filing and re-filing complaints to XXXX they finally did a proper investigation and removed it from my report. I filed all the same reports asking for proof from Experian they have not to date removed it. So this XXXX XXXX company turned this account over to a company called XXXX XXXX. I contacted them by phone and by letter many times. I asked them to send me proof this belonged to me I asked for it in writing to be mailed to me. To this day they have never sent me anything. While on the phone with them on more then 2 dozen times they yelled at me called me names lied to me even told me they were going to send me proof ( which they never did ) on several of the calls they even tried to say that they had all kinds of other debts on file that belonged to me which was all lies. This company has continued to lie they were unbelievably combative and abusive some of there people I spoke to cussed and swore and threatened me. I am at my witts end I have done everything by the book to get this off my report ( now Experian ) to no avail. This should be criminal! I would like to say I have always paid my bills on time ahead of time my entire life and am a very principled person this is why I continue to fight this injustice. Below is all I know about this account that remains on my Experian report. XXXX XXXX XXXX Experian - Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Factoring Company Account Status : Closed Monthly Payment : Date Opened : X/X/2014 Balance : {$910.00} Terms : 1 Month High Balance : Limit : Past Due : {$910.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Comments : Account in disputereported by subscriber This XXXX XXXX company has been causing me untold stress and so much money all over something that is not mine does not belong to me! XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX FDl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC (AR)

On XXXX XXXX, 2017, I requested validation of this debt, including a contract bearing my signature. On, XXXX XXXX, 2017, I received a copy of a bill as validation. ( Attached ). This is not a contract signed by me and the balance owed states " {$0.00} ''. They are also reporting the incorrect dates on my credit bureau reports. The date of last activity by me, is XXXX XXXX, 2017. The other activity is by insurance and them! This is illegal, as this re-ages the account.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I have twice requested SCRA benefits from USAA Bank regarding my credit card balance. I am a member of the XXXX XXXX was called to XXXX XXXX under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX for XXXX ( XXXX ) several times in 2017 during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However USAA rejected my request, stating I did not qualify stating that the SCRA only applies to service members on XXXX XXXX for 30 days. However it appears that provision is specific to XXXX XXXX members and I am a member of the XXXX XXXX and subject to XXXX XXXX XXXX. It is very disheartening as USAA prides itself on being military friendly yet denies this request. To contrast this, my other banks, XXXX, XXXX XXXX XXXX and XXXX have all honored this request. The denials were made on XXXX XXXX, 2017 and XXXX XXXX, 2017. I also sent a subsequent correspondence in XX/XX/XXXX to  dispute it again with no response.
Consumer complaint received 2017-01-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with 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 60 days 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 XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Dispute of Collection Account - XXXX XXXX XXXX XXXX XXXXXXXX ) Dear TransUnion Team, I am writing to formally dispute the accuracy of the collection account for XXXX, account number XXXX, which is currently reported as derogatory on my credit report. 

**Details of the Dispute : ** 1. **Inaccurate Reporting** : The account indicates a balance of {$1500.00} and a charge-off status dated XX/XX/year>. However, I contest the validity of this debt. I request that you provide proof of the outstanding amount and any documentation that verifies the legitimacy of this charge-off. 

XXXX. **Lack of Recent Payment Activity** : The account has no documented recent payment activity and shows the last activity as XX/XX/year>. This raises concerns about the accuracy of this account and its continued reporting. 

XXXX. **Impact on My Credit Standing** : The derogatory status of this account is having a significant negative impact on my credit score, limiting my ability to secure credit and affecting my financial opportunities. 

I kindly request that you investigate this matter in accordance with the Fair Credit Reporting Act, and if you are unable to verify the debt, please remove this collection account from my credit report. 

Please send me written confirmation of your findings and updates to my credit report following your investigation. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2017-07-25
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: Experian Information Solutions Inc. (TN)

In XX/XX/XXXXI filed Bankruptcy/case number is XXXX. Attorney XXXX XXXX added XXXX XXXX XXXX  XXXX without my permission. I was discharged in XX/XX/XXXXfrom wageearner. The case number was XXXX, XXXX XXXX was my mortgage. I learned he was working with XXXX XXXX/aka XXXX XXXX XXXX who posed as a paralegal with the XXXX XXXX XXXX. The XXXX Family have been working with an attorney name XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Tennessee XXXX. My credit report shows the date for XXXX XXXX XXXX XXXX purchase was for XX/XX/XXXX. Which is impossible because that is the year I originally purchased the property at XXXX XXXX XXXX XXXX TN XXXX. I told the trustee XXXX XXXX I was a victim of identity theft. I was told to notify my counsel. Neither Attorney XXXX or Attorney XXXX XXXX XXXX would listen to me. The sell of the property was done without my presence. I never received anything. All the information I now have is what I 've pulled. My mail was being stolen. A attorney was kind enough to pull information for me. XXXX County Register office sent me a copy of the deed. The number is XXXX. It shows the property was sold for {$18000.00}. Yet a XXXX was reported to IRS using The Department of labor Federal Identification number. Which is XXXX. The amount reported to IRS in XX/XX/XXXXon the XXXX is {$23000.00} + {$9900.00} using my social security number. Account number XXXX was referenced. A different address was used for Tennessee Housing Agency. The address reported to IRS is XXXX XXXX XXXX XXXX XXXX. The address on the deed for Tennessee Housing is XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. I received a letter from IRS dated XX/XX/XXXX. They are still investigating the XXXX identity theft form I sent them. These people needs to be prosecuted. IRS sent me the transcript in XXXX. I recently learned of this fraud. Court documents have been tampered with.
Consumer complaint received 2017-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I am writing to file a formal complaint on loan servicer, Navient. This complaint is based on Navients inability to provide me with correct information with my student loan and the lack of customer service that I received via phone. This complaint could be divided into the following topics : Consistency, Disclosing Information, and Customer Service. This complaint reflects Navients negligence in providing me with adequate loan servicing which could be looked as unfair and deceptive. Consistency : Over the course of three months, I have been told inconsistent and wrong information in regards to my repayment options. The first time I called Navient, the representative stated that I was ineligible to consolidate my loan or apply for any loan forgiveness plans based on the amount of my income. The representative also told me that the loan could not be refinanced being that the loan is a federal loan. I later researched and found out this was untrue. The second time I called, the representative told me that I actually could consolidate my loan and that once she entered in my information ( income of $ XXXX/year and a family of XXXX ), she then told me that I would be qualified for loan forgiveness this year and that my monthly payment amount would be {$0.00}. She instructed me to complete an application from U.S Department of Education to finalize the process. A couple of weeks after I completed the application, I received a notification that my monthly payments would be {$220.00} for twelve months. After receiving the email notification, I called Navient and was told that the previous reps have told me the wrong information and that I am on the lowest payment plan. Due to Navients pattern of providing me inconsistent and wrong information, I have lost trust with the company. Disclosing Information : I have asked over 3 Navient representatives for an amortization schedule. All of the reps have informed me that the company does not provide amortizations schedules. I have also ask a manager to send me information in regards to how much of my loan will be forgiven based off my loan consolidation. I have yet to receive any information. As a consumer understanding how each payment is allocated is important to me. I am unknowledgeable of how my payments are truly allocated due to Navients inability to provide me with my loan information Customer Service : Due to the lack of knowledge from the representatives from Navients call center, most of my calls have been escalated to upper management. I have been told from 2 managers that I would have my account reviewed and that I would be receiving a follow-up call. I have never received a call back from anyone from Navient. As a consumer, I highly dissatisfied with the service that I have received from Navient. I am asking that my account be investigated and reviewed as soon as possible. Sincerely, XXXX XXXX
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Within the past couple of years I have had so many issues with the student loan service XXXX. It all began in XX/XX/XXXX. My family had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mail in XX/XX/XXXX about my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to XXXX. I never received confirmation that I was approved or denied. The letters stopped and I did n't worry. In XX/XX/XXXX I received a letter informing me that XXXX was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a year. Since XX/XX/XXXX, I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XX/XX/XXXX via email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just suck it up and deal with the damage toy credit.
Consumer complaint received 2017-07-25
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. (FL)

Within the past couple of years I have had so many issues with the student loan service XXXX. It all began in XX/XX/XXXX. My family had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mail in XX/XX/XXXX about my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to XXXX. I never received confirmation that I was approved or denied. The letters stopped and I did n't worry. In XX/XX/XXXXI received a letter informing me that XXXX was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a year. Since XX/XX/XXXX, I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XX/XX/XXXX via email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just suck it up and deal with the damage toy credit.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Within the past couple of years I have had so many issues with the student loan service XXXX. It all began in XX/XX/XXXX. My family had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mail in XX/XX/XXXX about my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to XXXX. I never received confirmation that I was approved or denied. The letters stopped and I did n't worry. In XX/XX/XXXX I received a letter informing me that XXXX was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a year. Since XX/XX/XXXX, I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XXXXXX/XX/XXXX via email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just suck it up and deal with the damage toy credit.
Consumer complaint received 2017-07-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I have a VA Mortgage Loan, which states in the loan contract that Late payments are considered after the XXXX of each month. To be specific, any payments on the XXXX of the month is considered late. In XXXX of 2017 I electronically made my monthly payment on the XXXX of the month, due to the banks processing system. However that payment was on time under the terms of the VA loan. Never the less Wells Fargo Charged me a late fee for the month of XXXX 2017 My payment for that month nor any months prior to that month was late.
Consumer complaint received 2017-07-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

navient should have discussed other repayments plans like IBR with me when i was applying for forbearance. i had to learn about it from the internet. i could have been paying toward the 25 year plan while i was making way less money.