davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX  for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX  about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NE)

Someone signed my name and used my information to obtain a lease for an apartment. I filed a police report, filed a fraud report with the FTC, filed a dispute with the collection company and notified the apartment complex but they still insist the debt is mine.
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 2024-10-12
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. (GA)

I am writing to formally dispute the inaccurate reporting of charge-off accounts on my credit report. I believe these entries violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) as they are associated with debt that has been cancelled and for which I did not receive a Form 1099-C.

Upon reviewing my credit report, I have identified accounts that have been marked as charge-offs. However, these debts were canceled and should not be reported as outstanding obligations. According to the FCRA, specifically 15 U.S.C. 1681eb, it is prohibited to report information that is known to be inaccurate or that lacks proper substantiation.

The presence of these charge-offs on my credit report is not only unfair but also detrimental to my credit profile. The accounts in question are : XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX- Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have a paid subscription with TransUnion Credit Reporting. I recently went online to check credit and there was XXXX " delinquent '' account. I spoke with XXXX people -- XXXX and his supervisor XXXX.. They were very difficult to understand and when i asked them to speak slowly, they would continue to speak in fast, heavy XXXX accented XXXX. They first insisted that I could see the source of the delinquency on line. This was untrue. After nearly 20 minutes of talking, they said that they had found the source of the delinquency, first claimed that they could send me a written report, then claimed they could not - that was another department XXXX said - then said they would send it since the " delinquency '' was not identified online. They then asked if I wanted to dispute the " delinquency ''. When i said I did, they said that they could not XXXX dispute the delinquency, AND send me a physical report. They then said that they could not help me and I had to call the " online '' department. They gave me a number for the online department that was the exact number I called to talk with them, and is the same number provided on the TransUnion site. This is the only number provided by Transunion and there is not other way to contact TransUnion provided on the site. 
This would appear to be a number of dead ends set up by Transunion to keep the consumer from pursuing information from them, and would appear to be behavior set up to thwart the consumer. This is from a group that is XXXX of the XXXX groups we depend on to protect us as consumers, and which advertises on its website " TransUnion Interactive is committed to making your experience as easy and trouble-free as possible. ''
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (WA)

When I pay my XXXX XXXX phone bill, funds appear immediately deducted ( within moments XXXX from my Wells Fargo checking account and posts as a pending transaction on my account as I view through my mobile banking application. The following day ( after paying my bill XXXX the transaction no longer appears in my checking account history and the funds appear added back to my balance. The bill pay transaction ( over the last few months ) will then not appear in my history until up to a week later, when the funds are again deducted. During this week long 'lag in batch processing ' XXXX customer service agents and billing specialists assure me that they have my money as of the day I paid my bill. I believe Wells Fargo is purposefully, removing and delaying these transactions in order to charge me hundreds of dollars in over draft fees. I feel both companies choose to point fingers at each other while I pay the price. The fact that a transaction can post to my account one day and then disappear for a week, is a scam. Seems like its illegal, and if it is n't it should be. This type of behavior is unacceptable. I expect restitution for this most egregious hardship. A similar complaint has been filed against XXXX regarding this issue through the XXXX XXXX XXXX
Consumer complaint received 2017-03-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My bank account was overdrafted by {$20.00} due to a XXXX payment and bank of america changed me XXXX {$35.00} overdraft fees each when I have another account with bank of america with a few thousand dollars in there. I called them next day asked them to consider waiving the fees and the associate told me no and they would not allow me to speak with the manager because they were busy with another customer.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

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


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

I demand the late payment reported in ( XXXX 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 XXXX  days before the payment due date.

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


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-10-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (IN)

On XX/XX/year> I had went on to view my credit score and noticed I had a collection on my report- given I had never received anything that i owed money or had anything past due I had no idea what this was about. I XXXX the name listed and found a number to call. On XX/XX/year> around XXXX I called the collector- National Credit Systems . I learned then that the collection was from my previous landlord ( whom I had moved out of their location 11 months ago ). The agent claimed they stated they tried to collect from me, even though I had no information from them nor had I ever received anything. I asked the agent for information, such as what is the balance for but he could not give me any information he just said we do not have that information. He informed me that he showed a balance due of {$400.00} however of that {$400.00} owed they kept my {$350.00} deposit so I should only owe a total of {$50.00} not the {$400.00} that the collector put on my credit report. He state it was an oversight on their part. There was no additional information given to me nor would he provide any type of receipt/invoice/etc. He went on to state that they ( National Credit Systems ) attempted to contact me I stated I had never received anything in the mail nor a phone call from them- even though I had moved twice I had all of my mail forwarded to my location and had no issues receiving. He then stated that they had only attempted to email me and stated an email address for a prior employer who I had not been employed with for over 3 years now- XXXX XXXX XXXX XXXX XXXX XXXX XXXX was aware I was no longer employed with them as they received my employment information as well as the fact that i did not use that email address for communication with them. 

No attempts to collect or invoice me were ever made.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (NV)

Well I'll start by saying I've done this process multiple times with NetSpend and on more than one occasion I was on hold for literally hours before being disconnected or hung up on as soon as I finally get ahold of an actual human being. In which case I have gotten no help from I have made them aware that 1 of 3 cards amounting to about {$7300.00} was stolen and I was told transferred the whole of {$7200.00} to an account and they have not been able to assist me in cancelling, reversing, somehow stop and investigate this for me It was months of XXXX, XXXX, and XXXX of this year when I cashed a check at XXXX XXXX in the sum of {$24000.00} for my house loan finance I recently received and they put my money from that check onto the NetSpend cards amounting to about {$7300.00} now 2 of 3 cards were utilized spent and regular statements were provided it's the 1 card that was clearly stolen and money taken that they are not willing to assist me in recovering or validating my claim with an investigation I told them I have a police report if they need one and not just that but they've terminated me as a customer completely now to where I'm not able to see any of my prior dealings with NetSpend so I would please ask that you help me to make them understand that I have been telling them that my card and obviously the money on it were stolen and jeopardized so please this is money I put on there card services not credit or anything else it's my money they didn't protect and now are not recovering or caring to help me recover from this situation! Please and thank you so much!
Consumer complaint received 2024-10-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (DC)

I am continuing to report XXXX XXXX XXXX XXXX XXXX is a third-party debt collection agency that is collecting a debt on behalf of The XXXX  XXXX XXXX XXXX XXXX  and XXXX Market XXXX XXXX d/b/a The XXXX XXXX XXXX Market regarding collection of debt I do not owe. I have submitted information in support from previous filed CFPB complaint herein attached again. The department XXXX XXXX XXXX report that specifically states the date the unit was vacated. I XXXX have to resort to legal action against XXXX XXXX XXXX XXXX XXXX is a third-party debt collection agency and XXXX Market XXXX XXXX XXXX XXXX XXXX XXXX XXXX Market to forestall further attempts at debt XXXX XXXX defamation of character and threats to destroy my credit history if this matter is resolved via CFPB complaint process and XXXX XXXX. Please note that neither XXXX XXXX XXXX XXXX XXXX is a third-party debt collection agency that is collecting a debt on behalf of The Edison XXXX XXXX Marker Apartments nor XXXX Market XXXX XXXX d/b/a The XXXX XXXX XXXX Market have provided the information I requested to substantiate their claim from my XXXX CFPB complaint i.e. my Rental XXXX from XX/XX/XXXX to XX/XX/XXXX. Please provide the requested information as soon as possible.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (VA)

I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from Ally Financial.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with XXXXXXXX, as the creditor has once again revised dates, substantially changing the reporting. 
XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from XXXX XXXXThe company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of XXXX following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with XXXX, as the creditor has once again revised dates, substantially changing the reporting. 
XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.
Consumer complaint received 2017-03-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Miller, Stark, Klein and Associates (NY)

I have been receiving multiple calls from XXXX at Miller Stark Kline. They claim that i have 3 complaints against for a debt and want my social security number to verify its me. I refused to give this information over the phone for identity theft concerns and asked that it be sent to me in writing. At first, they refused and indicated that they did not have to send it writing. I said that I have no knowledge of any debts being owed that I would have to verify -- the woman began speaking over me and said that this was a mediation. I advised her that I was an attorney and that this was NOT a mediation and she was not following proper procedure to collect a debt. At which point she hung up. She then called back a few minutes later and wanted my address. I said, if you have debt that I owe you have my information and address. She then said she would see me in court again and hung up. I have no problem paying money that is owed. However, I have been up to date on all of my bills for a number of years and I have no knowledge of any debts being owed. It is also improper to have not written communication about a debt and instead a violent phone call demanding information. This seems to be violation of the FDCA.
Consumer complaint received 2017-11-10
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. (MO)

I have send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is DEFICIENT of CERTIFICATED PHYSICAL PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426- character P6 statements and all of its trailing segments, the minimal Five portioned identifiers all 386 pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
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. (VA)

On XXXX XXXX, 2017 there was update saying I have a new employer. But I 'm unemployed for the most part I have a temp job and it 's not XXXX which I have no idea what that company is nor heard of them before.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: National Credit Systems,Inc. (TX)

I was living in a apartment in XXXX texas in XXXX.once i move in i was taken a shower and rust came out this was a on going problem. the manger kept tell me it would clear up but it got worst. i had to start taking a shower a the XXXX because it was so bad. so after awile they told me they will give me a new apartment and the same thing. i paid up and they said we were up to date but when moving out they came up with all kind of charges, i was never late on my rent and a good tenteat.i have all the pictures and i am ready to back up all my claims.i was done wrong and now my credit have a mark on it. i am ready to dispute this report and ready to back up this claim with pictures and recepits.