davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with these following companies were 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 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.

These companies 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 2017-03-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I opened a new HSBC account on XX/XX/XXXX in response to their offering a {$350.00} signup bonus ( proof attached ). I fulfilled all terms of the signup bonus, but did not receive the bonus. 

After escalating with customer service, they told me I did not qualify because I had an open account during the time ( attached ). However, the terms clearly state only customers with an open account between XX/XX/XXXX and XX/XX/XXXX are not eligible ( proof attached ). 

My previous HSBC checking account was closed on XX/XX/XXXX. This means I am eligible. 

HSBC has failed to abide by their own terms and did not award me my bonus that I am fully qualified for.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MT)

a XXXX account was turned over to midland funding llc i called midland funding numerous times requesting a settlement amount they never returned my calls instead they turned it over to collections attroneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX file # XXXX for XXXX
Consumer complaint received 2016-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (IL)

I received a collection notice from Credit Protection Association L.P. for a debt / service I never signed on for. The alleged original creditor is XXXX for the amount of {$550.00}. However, my electric provider is XXXX and my gas provider is XXXX and I have been making monthly payments to both continuously for the past several years. I have never entered into any agreement with XXXX. I do not entertain solicitation notices either by mail, person, or telephone. When I logged on to the XXXX site, the request a dispute link leads to a server error and does not allow you do take any action.
Consumer complaint received 2017-03-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

Fifth Third bank has taken funds, via direct deposit, from our bank account. My wife and I have a car loan with them and they took it upon themselves to take additional money out of our account by adding an insurance fee. We have had insurance the whole time and called after the first time it was done to us. They told us that the money would be returned to us after we had insurance company send over insurance information. This information was sent to fifth third bank and we were told that we would be getting our money back. They have for a second month in a row, charged us for the same fee. They now owe us two months on unauthorized charges, and are not returning the phone calls. All my wife and I want are the XXXX unathorized fees as well as the non sufficient funds charges that we have had to incur as a result of them taking this money from our credit union.
Consumer complaint received 2016-11-19
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mercedes Benz Financial Services (FL)

I financed my vehicle through Mercedes-Benz Financial Services. I discovered that the mobile app and other company records ( not including my contract ), according to my phone call with a representative, that my contract information shows 73 months instead of the 72 months listed on the contract I signed. I opened the loan on XXXX/XXXX/XXXX. The representative informed me today that my last payment would be XXXX/XXXX/XXXX ( not XXXX/XXXX/XXXX as expected per my contract ).
Consumer complaint received 2016-12-09
Product: Other financial service — Credit repair
Issue: Unexpected/Other fees — 
Company: Experian Information Solutions Inc. (MO)

I went to annualcreditreport.com to help my step-son get his credit reports. Experian indicated I needed to pay a small fee to obtain some detailed information for him. I used my credit card to pay the small fee. Experian has since, enrolled me in a membership service for {$2100.00} per month. I did not realize this, I did not want the membership. I think they were deceptive in their membership enrollment. I called them and asked for XXXX of the XXXX charges to be reversed. I said I 'd pay for the initial fee since I must have made a mistake and not read their " fine print ''. They canceled the " membership '', but refused to remove the other fee. Luckily for me, I can afford the unnecessary fee ; however, I think there are thousands of people being duped by this practice and then Experian is not willing to refund fees for services no one wants or even realizes they 've signed up for. The supervisor at Experian I spoke with was XXXX and her employee ID is XXXX. I actually work for XXXX and I no longer trust Experian or their business practices. I will work within my company to limit our business dealings with them. Experian is dishonest and has deceptive practices. None of the other XXXX credit bureau agencies attempted to enroll me in a membership I did not want or need.
Consumer complaint received 2016-08-30
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

We had paid the account over a year ago with a cashier 's check and had not received any bills so assumed the account was closed. XXXX XXXX from Evergreen Professional Recoveries contacted me at my work. I explained the situation and she was very aggressive. She said if I did not pay the bill with a credit card over the phone she would immediately report to the credit bureau. She proceeded to yell at me and be abusive accusing me of lying. I immediately called the company which we owed the bill to and will be paying them directly. It was completely unacceptable behavior.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you. The XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loans and credit card account opened at XXXX XXXX  on XXXX under the account number XXXX # an a account opened at XXXX XXXX on XXXX under the account number XXXX # .That appears related to the aforementioned These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint, FTC case number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2024-10-26
Product: Credit reporting 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 am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (TX)

The only acct I have ever had with XXXX XXXX XXXX was established and closed in XXXX. I have since worked for XXXX XXXX XXXX 2 years and paid this debt to a company called XXXX back in XXXX. Why am I being contacted regarding a debt that is XXXX XXXX XXXX and is paid. I have contacted the company through a dispute and adv them to send me a letter of validation from this acct and the only resp I got was from the credit bureau adv. that it was deemed mine. Is this a different account we are speaking of? I want paperwork regarding the service provided and address.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numeorus requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX Balance : {$8900.00XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2017-03-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (SC)

I receive multiple phone calls a day from Franklin Collection Services attempting to collect a debt from a XXXX XXXX. I have no idea who this person is and each time I ask to have my number removed from their call list. I am told that they are removing my number each time, but just receive phone calls from a different number the next time.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (FL)

In the month of XX/XX/XXXX, I received a letter from XXXX XXXX that the account was being transferred ( assigned ) to Zwicker & Associates for collections. Reflected on my Credit Report this account was shown to be charged off. This same month I received a letter from Zwicker & Associates stating they are a debt collector attempting to collect a debt. On this letter bound on legal paper in the form of a contract had a remittance coupon on the bottom requesting payment. Zwicker & Associates XXXX # XXXX principal address is in XXXX, their business is purchasing and collecting of consumer debts. I responded to their letter with a notice of dispute requesting validation and verification of this purported debt. The first letter was sent the XXXX of XX/XX/XXXX, and the second letter on the XXXX of XX/XX/XXXX. I Also observed that my credit report did not reflect dispute status. I received a letter which stated, As requested, we are sending copies of statements and other relevant documentation to serve as a validation of debt. This letter lacked verification and did not provide information in full of the original creditor. Provided to me was a thick packet of statements with no relevancy to what was requested. On XXXX XX/XX/XXXX my father-in-law was served a summons. Unable to afford counsel I had to deal with this matter which caused further instability to my household. I began to further research and found that this law-firm was a debt-buyer and that they were assigned this debt. An assignment is a transfer of all interests and rights to the thing assigned. These terms are declared on the letters sent by XXXX XXXX. Unfortunately, in the State of Florida law firms engaging in debt collection do not need a license to collect on consumer debts and can move swiftly to file suit on consumers who have no knowledge of this system. In the State of Florida, Law Firms ( debt collectors ) are not regulated. This would be my 2nd time encountering an abusive, deceptive and unfair law firm ( debt collector ). One law firm went straight to litigations, and did not send a notice that they were attempting to collect, depriving my right to dispute. A complaint was made on that law firm but did not go anywhere with Florida and on this platform. A complaint was filed through Florida Attorney Generals office which advised to make a complaint to the Florida Bar Association, also yielding negative results. Both cases are still pending.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (FL)

Navient has violated my consumer rights and privacy since before 2018! 
Simply put, FARPA 20 U.S.C. s. 1232g and 34 C.F.R. part 99 protect my Rights and Privacy limiting the ability to share my information. FERPA defines personally identifiable information to include, without limitation, the names of the student and his or her parents or other family members ; the address of the student or student 's family ; the student 's social security number, student number, biometric record, or other personal identifier ; indirect identifiers, such as the student 's date of birth, place of birth, and mother 's maiden name ; and other information that could reasonably identify a student. 34 C.F.R. s. 99.3 ( definition of personally identifiable information ). 

Not to mention, on these reports, there are multiple instances of these debts being charged off. A charge of is considered a certificate of indebtness which means it is income and MUST be removed. 

It is ILLEGAL to report transaction history.- 15 USC 6801 Please see attached for more violations of my rights by Navient, Opt Out Letter and Credit Reporting on said account.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

We leased a XXXX XXXX back in XXXX on a XXXX term. We turned in the car with final payment in XXXX as we were not interested in purchasing the car. The company has since, repeatedly for many years, falsely claimed that we owe {$830.00}. We paid this final amount with a check that they can not seem to find. We no longer have this account that we wrote the check from. When we repeatedly asked for information proving that we owe this money, XXXX has been unable to find any information and ask for information we no longer have access to, such as a VIN number from the vehicle that we had leased and turned in in XXXX. Now it has been 5 years since we made the last payment and they have dinged mine and my spouse 's credit report for this " unpaid '' {$830.00} for all these years. We have disputed this fee for many years with all XXXX credit bureaus. The credit bureaus say that XXXX says there is still a debt, but without proof we don't understand how they are allowed to report this falsity.
Consumer complaint received 2016-11-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I made a payment for {$10000.00} against my private student loans with Navient ( originally XXXX ). My goal was to make a dent in the principle and continue to make the minimum payment to help reduce the amount of interest I was being charged. However, once I made the payment, my bill was being sent to me with a monthly payment of {$0.00}. I contacted the servicer and was told that even though I made a {$10000.00} payment directly toward the principle, they were going to treat it as if I paid my loan ahead and bill me {$0.00} for years until the {$10000.00} had been utilized. I saw this as a tactic for them to collect more interest by me not making any additional payments toward the principle. Therefore I continued to make what I was told over the phone prior to making the payment my minimum payment would be. However, when I reviewed my file, i saw they were applying my payments to interest instead of the principle. I called again and they said even though I had a {$0.00} balance every month, they were still billing interest on the remaining balance on the loan and applying my extra payments to the interest they accumulated that month first instead of the principle. I requested that if i have no required payment every month then I wanted my payments applied directly to the principle and was told No.