davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

The bank that issued my credit card is showing on my Credit Report that I have a current balance on a credit card, yet they have no documentation on this account. The account has been closed, but they are reporting there is still a balance of {$7800.00} on this card. It is endangering my ability to refinance my home, as my credit lock is set to expire soon.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also are listed bellowed. As well I have attached copy of my credit report reporting so that you could see the account information individually. 

This item I 'm disputing are student loan that have appear on my credit and they are not mine. I have file several complain to CFPB each account sparely. In addition I had file several complain to Ombudsman directly and the respond was my entire Loan are paid in full there are no other loan from any of the other agency pending. The answer is the account is not there 's. What you are reporting is inaccurate or incomplete. I am requesting that the item be deleted and to correct the information. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters and ( delete or correct ) the disputed item ( s ) as soon as possible. I have attached copy of all the correspondence regarding this issued. 

( 1 ) A copy of my credit report on each account for XX/XX/XXXX ( 2 ) Letter from Dept of Education XXXX Discharge XX/XX/XXXX ( 3 ) Letter from XXXX XXXX/XXXX/XXXX FFEL Teach Loan Discharge ( 4 ) Letter from XXXX XXXX/XXXX/XXXX Federal Perkins Discharge ( 5 ) Letter from my Attorney in XXXX/XXXX/XXXX ( 6 ) Complain report from CFPB ( XXXX ) Correspondence from Dept of Education ( 8 ) Correspondence from XXXX Unfortunately these institutions have not provided me with accurate information. In addition the XXXX XXXX took this entire loans with out my consent. They lied they said it was scholarship not needed to be repaid. 

What I do n't understand if I submitted all the documentation that was request of me for the XXXX on time in XX/XX/XXXX. Why I 'm dealing with this nightmare still 8 years letter. 

Furthermore XXXX was able to process my application plus report to the Credit Bureau that Loans were paid as agreed close. Why do the other agencies report I was UN default? Along with loans benign open send to collection and late. Why are they still open it should be close? In addition it has been 8 years seen this Loan were reported to the Credit Bureau. And how many centuries do they need to solve these problems. 

To solve the problem, I will appreciate your clarification and explanation on every single loan that appear on my credit report. My Understanding was that XXXX took XXXX loans and the Dept of XXXX Paid and clea
Consumer complaint received 2016-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (MI)

I got a a call from diversified consultants and they were asking for my social and address before even saying who they are and why they are calling. I declined to give them my personal information and then I see that they reported to credit bureaus a collection of XXXX $ to XXXX that I do not know why i am being billed for it. 
I never recieved an invoice, bill, collection letter or anything. 
All I recieved was a phone call from an agency asking for my social!!
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency XXXX. claimed that XXXX violated the FCRA by the company XXXX allegedly erroneous reporting of XXXX XXXX XXXX on credit file.
Consumer complaint received 2016-07-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (KS)

I bought a XXXX Buick Lacrosse CX from Drive Time in XXXX KS. I only had the car for about 3 weeks and only drove it about XXXX miles and a rod started knocking. I was without the car for 2 weeks. Got it back on XX/XX/XXXX and 5 days later the muffler fell of in the middle. The very next day the car started leaking gas. They said when I bought the car that it was inspected which I believe is not the case as what has happened.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (MO)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
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 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MO)

XXXX has ALL collections through their company, all collection accounts are listed as a revolving type of debt. I have tried disputing this information through equifax. XXXX has listed this type of debt through equifax credit company. I have tried contacting Equifax with no response. Please have this company fix their inaccuracies for XXXX XXXX Medical Center, which are medical bills and not revolving credit accounts. In addition XXXX XXXX has an account listed without a date or amount owed, I find this questionable and am concerned about fair credit reporting practices this company conducts. They have made multiple inaccuracies on my credit report, causing my report to contain XXXX inaccurate information on my accounts. In addition, I would ask for CFPB conduct an investigation into the practices of this company and also remove the several innacuracies XXXX XXXX has reported on my credit reports. Please have this company also verify the original debt, because I do not feel they have this information in their possession making the debt removal necessary also. The fact remains this company is not following legal practices for credit reporting and should be audited for other consumers they may have affected. Sincerely, XXXX XXXX XXXX XXXX Please feel free to contact me regarding the investigation at either email, XXXXXXXXXXXX, XXXXXXXXXXXX
Consumer complaint received 2016-07-25
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My mother opened an account at Bank of America ( BoA ) several years ago for the sole purpose of being sure she had enough money for her eventual burial expenses. She opened the account as a 'Payable on Death ' ( POD ) account in her name, my name and my XXXX brothers name. She passed away on XXXX XXXX of this year. 
On XXXX XXXX I visited the BoA branch were the account was originally set up. I presented my identification, a recent BoA account statement, and a copy of my mother 's death certificate issued by the state of Illinois. Rather than distribute the funds to me, BoA provided me a form which stated they would contact me by XXXX XXXX! You can imagine the embarrassment we experienced when we had to request the funeral home to provide us extra time to pay the funeral expenses. 
This seems not only unfair to my brothers and myself, but it seems that BoA deceived my mother when she set up this account. She did this for our benefit. If she had known that POD does not actually mean payable on death to BoA, she never would have set up this account. 
BoA has had the advantage of being able to make money from this deposit account for the last 10 years. This has caused immeasurable harm to our family.
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. (IL)

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

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

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-13
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

Receivables Performance XXXX, put a thing on my credit report. They say I owe money to XXXX. XXXX does not recognize that I owe the company any monies. I contacted Rec. Performance a month or two ago and was told they would look into it and get back to me. I have NEVER received ANY communication from Rec Performance and only found out about this via a report on XXXX. I have spoken with you about it previously and contacted XXXX. Other credit reporting agencies have removed it. Thanks for you assistance XXXX
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XXXX XXXX, 2017, I went to XXXX to purchase items from the store. My card was declined. I went home and called Capital One at XXXX to inquire about my balance. I was also looking at my account online when the representative answered the call.The first representative hung up on me and so I had to call back around XXXX The representative 's name was XXXX and her ID # is XXXX. She preceded to tell me what happened to my account. I stated that Capital One had placed a {$50.00} over due payment on my account on the day that the account was due. I paid my bill on the exact same day. Capital one then stated that they did not have a {$50.00} over due fee on my account. On XXXX XXXX I saw where Capital one had credited {$25.00} to my account and changed the over due payment fee to {$25.00}. I had already paid Capital One in 3 days {$24.00} and XXXX payments of {$50.00}. By this time the representative told me that what I had in my account was {$9.00}. I asked to speak to a manager she chuckled and laughed and told me to hold on. I then spoke with the Manager XXXX his ID # XXXX. I told him that I had checked my account on XXXX XXXX and had {$80.00} in my account. I made XXXX purchases XXXX for {$15.00} and the other {$24.00}. He said that is correct. I told him that I made XXXX payments and all I have left on my account is {$9.00}. He laughed and said, " XXXX XXXX would you like for me to go over your account with you? '' I said, " no, I will be filing my complaint. '' I am not stupid I can read my card statements. The account representative was being condescending and in a situation such as this, I need for all representatives to be professional in which they were not!! Capital One has given me a card balance increase that I have not asked for. Capital One knows that if they increase the balance on the credit card then the interest and finance charges will be higher. My interest and finance charges are more than 50 % of my minimum monthly payment. With an interest rate of 29.9 % Capital One increased my card balance but did not decrease the interest rate knowing this would make paying off the card virtually impossible for consumers!!! I would like for CFPB to investigate Capital One and their banking practices because I am quite sure that I am not the only consumer with extremely high interest rates from this bank!!!!
Consumer complaint received 2016-09-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

I bought my home in 2004 with Wells Fargo Home Mortgage services. The Wells Fargo loan agent refused to let me finance the mortgage as one complete 30 year mortgage and manipulated the closing process such that on closing day I was faced with either accepting an " Equity Line '' to finance half of the home or the closing could not proceed at all. I told the agent that I did not want, nor need an equity line to purchase the house but the agent was adamant that the Equity Line would not cost any more than a normal 30 year mortgage at the average rates XX/XX/2004. I was told that I could not buy the house any other way.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2016-07-25
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

My mother died approximately XXXX year on XXXX XXXX, 2015. I resided in the residence with her for many years. My mother decided to take a reverse mortgage with Wells Fargo Bank. I have tried to work with wells Fargo and my estate attorney to get me appointed as the personal representative. I feel that wells fargo has been unfair and deceptive in dealing with myself and my mother during her life. My mother has NOT been vacated from more than XXXX year. Therefore the bank can not legal foreclosure and are in violation of the FDCPA.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (IL)

I noticed some inconsistencies on my credit report : 1. XXXX XXXX XXXX - Account # XXXX 2. XXXX. - Account # XXXX I did dispute them XXXX XXXX, 2016 USPS XXXX XXXX. Response = Verified XXXX XXXX, 2016 USPS # XXXX. Response = Verified XXXX XXXX XXXX, 2016 USPS # XXXX. I sent a request for their Method of Verification. 

They did not respond at all. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you MUST provide me a description of the procedure used to determine the accuracy and completeness of the information. 
They did not do so.