davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Negative accounts reporting on my credit reports that are negatively impacting my credit scores : XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX  XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/year> BURO NAME : Equifax Address : XXXX XXXX XXXX XXXX GA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) XXXX following personal information is inaccurate ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX Please ( remove / update ) this account from my credit report By the provision s of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 
Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-04-22
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: Experian Information Solutions Inc. (MO)

I have disputed the following accounts with Experian informing them that these are fraudulent accounts but they continue to remain on my credit report. I have previously sent a police report, ID, social security card & identity theft report. I keep telling them that I have never had any Dept of Educcation/XXXX   accounts that I have opened or gave anybody permission to open anything in may name. I am asking that these accounts be deleted and blocked from returning.
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bass & Associates, P.C., Attorneys at Law (TX)

Bass & Associates, P.C. is refusing to provide the original promissory notes as requested by me along with the back side of the note. Ive sent them several letters which includes Notice of Rescission, Breach of Agreement, etc. They only send back a generic typed letter never giving me responses to my letters. According to the Federal Trade Commission its unlawful to furnish certain deceptive forms and Bass & Associates isnt following protocol by law. Ive included all of the letters Ive sent them thus far along with the latest response from them stating I cant get my original promissory notes which is against the law. There is no way for me to know the documents they send me are in fact original unless I can get an original promissory note. I rescind all contracts USC Article 1, Section 10, UCC 1-308
Consumer complaint received 2020-04-22
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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX  XXXX number XXXX ( CLOSED ACCOUNT )
Consumer complaint received 2020-04-22
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. (CA)

I had an auto loan with XXXX XXXX XXXX  opened on XX/XX/XXXX, the monthly payment was due on XXXX of each month and I never missed a single payment. I had a perfect payment history until I had a car accident and my vehicle resulted a total loss. 

After the car accident my next monthly payment was due on XX/XX/XXXX. By XX/XX/XXXX, XXXX XXXX XXXX  had received 3 payments in my account : 1 ) On XX/XX/XXXX, a payment for {$2300.00} from the warranty contract refund 2 ) On XX/XX/XXXX, a payment for {$25000.00} from my car insurance. 
3 ) On XX/XX/XXXX, a payment for {$6500.00} from the Gap insurance. 

After the clearance of those payments, the account loan balance went down to {$1.00}. But I was informed that my account had a remaining balance of {$310.00} due to the loan balance {$1.00} + {$20.00} late payment fee + {$290.00} interest for the month of XXXX, so the balance went up to {$310.00}. I never agreed for the illegal interest charge and illegal late fee charge since 3 payments were made on the account on the month of XXXX, but anyways I paid it on XX/XX/XXXX, after that payment my account was {$0.00}. 

Now I noticed in my credit report that XXXX XXXX XXXX  is reporting a 30 days late payment and a payment for {$34000.00}, both together on the month of XX/XX/XXXX, I contacted XXXX XXXX XXXX  to correct the 30 days late payments because it does not make sense, they are reporting a {$34000.00} payment and a 30 days late payment in the same month. 

XXXX XXXX XXXX  refuse to remove the 30 days late payment because they claim that I was 30 days late since I made a payment on XX/XX/XXXX, for {$310.00} and the monthly payment was due on XX/XX/XXXX, that is wrong since the account received 3 payment on XX/XX/XXXX, payment for Car Insurance, Gap insurance and warranty refund but the bank claims that those are not payments, instead payments they label as principal reductions. I asked for the difference and base on the representative explanation : the difference is that the money comes from a third-party company and not from my pocket so thats why I they refuse to remove the 30 days late payment. That explanation is just absurd, what if the payments come from my child bank account or from a trust account? It just does not make any sense. 
Just the warranty refund, since is a refund it must be applied to the account as credit, any credit applied to any account brings a minus balance and no payment is required. 
The insurance payment was issued from my own car insurance, premium that was paid every month from my pocket, my insurance paid it on my behalf. 
And if that is not enough to prove XXXX XXXX XXXX is wrong, I would like to know from them what rule or law define how an Auto insurance payment, Gap insurance payment and warranty must to be applied and the legal definition of principal reductions because I have the impression they are breaking the law.
Consumer complaint received 2020-04-22
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. (CA)

I had an auto loan with XXXX XXXX XXXX  opened on XX/XX/XXXX, the monthly payment was due on XXXX of each month and I never missed a single payment. I had a perfect payment history until I had a car accident and my vehicle resulted a total loss. 

After the car accident my next monthly payment was due on XX/XX/XXXX. By XX/XX/XXXX, XXXX XXXX XXXX  had received 3 payments in my account : 1 ) On XX/XX/XXXX, a payment for {$2300.00} from the warranty contract refund 2 ) On XX/XX/XXXX, a payment for {$25000.00} from my car insurance. 
3 ) On XX/XX/XXXX, a payment for {$6500.00} from the Gap insurance. 

After the clearance of those payments, the account loan balance went down to {$1.00}. But I was informed that my account had a remaining balance of {$310.00} due to the loan balance {$1.00} + {$20.00} late payment fee + {$290.00} interest for the month of XXXX, so the balance went up to {$310.00}. I never agreed for the illegal interest charge and illegal late fee charge since 3 payments were made on the account on the month of XXXX, but anyways I paid it on XX/XX/XXXX, after that payment my account was {$0.00}. 

Now I noticed in my credit report that XXXX XXXX XXXX  is reporting a 30 days late payment and a payment for {$34000.00}, both together on the month of XX/XX/XXXX, I contacted XXXX XXXX XXXX  to correct the 30 days late payments because it does not make sense, they are reporting a {$34000.00} payment and a 30 days late payment in the same month. 

XXXX XXXX XXXX  refuse to remove the 30 days late payment because they claim that I was 30 days late since I made a payment on XX/XX/XXXX, for {$310.00} and the monthly payment was due on XX/XX/XXXX, that is wrong since the account received 3 payment on XX/XX/XXXX, payment for Car Insurance, Gap insurance and warranty refund but the bank claims that those are not payments, instead payments they label as principal reductions. I asked for the difference and base on the representative explanation : the difference is that the money comes from a third-party company and not from my pocket so thats why I they refuse to remove the 30 days late payment. That explanation is just absurd, what if the payments come from my child bank account or from a trust account? It just does not make any sense. 
Just the warranty refund, since is a refund it must be applied to the account as credit, any credit applied to any account brings a minus balance and no payment is required. 
The insurance payment was issued from my own car insurance, premium that was paid every month from my pocket, my insurance paid it on my behalf. 
And if that is not enough to prove XXXX XXXX XXXX  is wrong, I would like to know from them what rule or law define how an Auto insurance payment, Gap insurance payment and warranty must to be applied and the legal definition of principal reductions because I have the impression they are breaking the law.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Please see previous CFPB Complaint # : XXXX and review the additional documentation that further supports my claim that my credit being run by Citizens One was unauthorized. Ive attached a copy of the Pre-Approval letter from my credit union who currently finances my vehicle. There was no reason for Citizens One to run my credit due to having already secured financing through my own credit union.

I am requesting that Citizen One remove the hard credit inquiry from my XXXX  credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.
Consumer complaint received 2020-04-22
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. (CA)

I had an auto loan with XXXX XXXX XXXX  opened on XX/XX/XXXX, the monthly payment was due on XXXX of each month and I never missed a single payment. I had a perfect payment history until I had a car accident and my vehicle resulted a total loss. 

After the car accident my next monthly payment was due on XX/XX/XXXX. By XX/XX/XXXX, XXXX XXXX XXXX  had received 3 payments in my account : 1 ) On XX/XX/XXXX, a payment for {$2300.00} from the warranty contract refund 2 ) On XX/XX/XXXX, a payment for {$25000.00} from my car insurance. 
3 ) On XX/XX/XXXX, a payment for {$6500.00} from the Gap insurance. 

After the clearance of those payments, the account loan balance went down to {$1.00}. But I was informed that my account had a remaining balance of {$310.00} due to the loan balance {$1.00} + {$20.00} late payment fee + {$290.00} interest for the month of XXXX, so the balance went up to {$310.00}. I never agreed for the illegal interest charge and illegal late fee charge since 3 payments were made on the account on the month of XXXX, but anyways I paid it on XX/XX/XXXX, after that payment my account was {$0.00}. 

Now I noticed in my credit report that XXXX XXXX XXXX  is reporting a 30 days late payment and a payment for {$34000.00}, both together on the month of XX/XX/XXXX, I contacted XXXX XXXX XXXX  to correct the 30 days late payments because it does not make sense, they are reporting a {$34000.00} payment and a 30 days late payment in the same month. 

XXXX XXXX XXXX  refuse to remove the 30 days late payment because they claim that I was 30 days late since I made a payment on XX/XX/XXXX, for {$310.00} and the monthly payment was due on XX/XX/XXXX, that is wrong since the account received 3 payment on XX/XX/XXXX, payment for Car Insurance, Gap insurance and warranty refund but the bank claims that those are not payments, instead payments they label as principal reductions. I asked for the difference and base on the representative explanation : the difference is that the money comes from a third-party company and not from my pocket so thats why I they refuse to remove the 30 days late payment. That explanation is just absurd, what if the payments come from my child bank account or from a trust account? It just does not make any sense. 
Just the warranty refund, since is a refund it must be applied to the account as credit, any credit applied to any account brings a minus balance and no payment is required. 
The insurance payment was issued from my own car insurance, premium that was paid every month from my pocket, my insurance paid it on my behalf. 
And if that is not enough to prove XXXX XXXX XXXX  is wrong, I would like to know from them what rule or law define how an Auto insurance payment, Gap insurance payment and warranty must to be applied and the legal definition of principal reductions because I have the impression they are breaking the law.
Consumer complaint received 2020-04-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have been behind 1 payment and accruing late fees for the past year navient can only offer interest only for 6 months to lower payment I am already paying XXXX in interest and cant afford repayment plan so Im stuck paying late fees every month and cant catch up. The company deceived me in the past as they verbally denied me in the past since there was a co-signer. The company has no available options that entail submitting financials to review. How can they can do that?
Consumer complaint received 2020-04-17
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. (CA)

In XX/XX/2019 we came to an agreement with XXXX that the XXXX XXXX would be removed and all Obligations for the Solar Leases would be terminated due to improper installation of the solar panels and promises to repair the leaking roofs. XXXX  XXXX XXXX  were removed by XX/XX/2019, as per the agreement. We are still receiving monthly bills for the terminated leases and they are being reported to the credit agencies as being late paid, including what they are calling current amounts that would have been due if the contracts were in place even though all of the contracts have been terminated. XXXX has filed the releasing of the UCC filing.
Consumer complaint received 2020-04-23
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}, {$4900.00}, {$19000.00}, {$8500.00}, {$960.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$920.00} -This is not my account. 










2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I had set up an automatic Payment option for every third  friday on each month to pay off my debt and for two of the payments, they went smoothly. However the last two payments got declined ( {$100.00} on XX/XX/XXXX ) and ( Final payment of {$79.00} on XX/XX/XXXX ) because the portfolio recovery company changed the time to charge the account from XXXX XXXX  to XXXX XXXX  causing the payments to be declined.. i had previously settled for a lower amount and now i have been charged {$40.00} more for a new settlement. So i now have to pay a payment of {$200.00} to close out the collection
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

CFPB Complaint Against Equifax Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XX/XX/2024, I filed a dispute with XXXX regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, Equifax processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from XXXX was unsatisfactory, vague, and did not address the specific questions I raised. 
XXXX Response : XXXX used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Equifax stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... Equifax MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and Equifax provided a generic response about their standard procedures rather than directly answering the questions I posed.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (VA)

All XXXX  bankruptcies were unlawfully handled and reported to my consumer credit report by the XXXX credit agencies without my consent or knowledge or me being notified XXXX  days prior identity theft and violation 15 usc 1681as well as fingerhut and chime
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (MO)

The Bureas reported to my XXXX, XXXX, and XXXX credit reports 2 collection accounts for XXXX XXXX in the amounts of {$600.00} and {$520.00}. The credit agency illegally placed this information on all three bureaus without sending me notification of the debts and the option to request validation and if validated to dispute. This illegal reporting has made a negative impact on my credit report. Also, the information to contact the lender is different on the credit reports. On the XXXX report the contact information for The Bureaus is XXXX XXXX XXXX XXXX, IL XXXX Phone number XXXX. On the XXXX report the address is XXXX XXXX XXXX XXXX XXXX XXXX, Is XXXX Phone number XXXX. Therefore making it difficult for me as a consumer to know which number and address is accurate to dispute or possibly settle.