davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
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. (NJ)

This complaint is against XXXX, XXXX XXXX and EQUIFAX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX.

This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX.

In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my report.
Consumer complaint received 2018-07-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation (TX)

my issue is with both XXXX ( manufacture ) and XXXX ( lender ) .. 
XXXX XXXX XXXX | XXXX, GA XXXX | XXXX | XXXX back in XX/XX/18, I purchased a XXXX treadmill for {$1800.00} ( Order Number : XXXX, Order Reference : XXXX ). two issues with that, 1 ) I didn't realize XXXX tackled XXXX for a 24 month ifit subscription and 2 ) I was told I was going to receive a 24 month no interest loan with XXXX  ... after several days of disputing these added changes, I received and e-mial ( I can provide it ) indicating that I would be receiving a credit for the added fees and apologized about the " miscommunication '', but even though I was offered the 24 month interest free no payment loan, I didn't qualify and received a different loan ( next time i'll make sure I understand all terms ). * This is where the problem begins because by the time I realized that I was supposed to be paying this loan, I had already incurred a crazy amount of interest and late fees. my new balance is XXXX .... I called XXXX, had an e-mail conversation with both parties and had no resolution. they just passed the responsibility back and forth. I logged on XXXX website, and they received the credit from XXXX, but no adjustments have been made. and they are ruining my credit/credit score. I have told XXXX that I would be happy to pay the credit line I requested, but I needed the balance adjusted.. I am scared at how much I have to pay now because of an error I did not make..
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXX 's 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment.

Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. They stated that these accounts would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX XXXX on my credit bureau and it's negatively impacting my score.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (GA)

XX/XX/2018 I have reached out to XXXX XXXX in reference to this problem my account is incorrectly showing a amount due and inaccurate missed payments as of XX/XX/2018 it shows XXXX due but when I call the office and based off my payment it should be XXXX this has caused a lot of discrepancies and issues with my credit along with my credit score dropping based off information that is showing wrong.
Consumer complaint received 2018-04-08
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. (FL)

company fails to remove medical collections which they were violating the hippo laws concerning medical information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ask company to to verify these accounts on my credit but said company as failed to do so
Consumer complaint received 2018-04-09
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: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2018-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lending Club Corp (NY)

I had sent a payment approximately XX/XX/XXXX for my auto loan that was due XX/XX/XXXX. For weeks I watched the account and my bank and had not seen the payment applied. When I reached out to the bank there was no record of my check received and no further information available. When I told the operator the issue they told me something was probably wrong with the post office. 
On the due date XX/XX/XXXX I called and checked online at both institutions and there was no indication and no information available that they received payment. I scrambled and used their high cost XXXX XXXX   powered module on the Lending Club website as a last resort to avoid late payments. 
On XX/XX/XXXX I come to find the check was deducted from my account as if it were presented on the due date in addition to the funds made payable through XXXX XXXX. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. 
The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX
Consumer complaint received 2018-04-09
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: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

They keep insisting that I owed a phone bill but I never had their service in the home for the time they said. The only " evidence '' of the alleged debt is a monthly bill not showing the actual charges but a bill from the following month which shows an alleged balance due from the prior month.
Consumer complaint received 2018-04-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SRA Associates, Inc. (NJ)

I received a notice from XXXX XXXX in XXXX, New Jersey stating I could turn in my lease early and owe nothing on the old lease. I went in and made it clear I would not do it unless I would not owe anything. They assured me - both the salesman and the finance manage that it would be an even swap. My lease shows that it is. I have the form I was sent in the mail. 

About two months later I received a bill from XXXX XXXX XXXX that I owed {$2000.00}. I explained the situation and they said, " We have nothing to do with XXXX. '' They turned it over to XXXX XXXX XXXX in XXXXXXXX, New Jersey and they are telling me they will take me to court. This started in XX/XX/XXXX. I wrote them a complete explanation and heard nothing until this month ( XX/XX/XXXX ) when they threatened to take me to court. 
I feel this was a " bait and switch '' by XXXX XXXX and XXXX XXXX XXXX. It was XXXX XXXX XXXX who held the first lease and it was they who the finance administrator called to get my pay off while I was there!
Consumer complaint received 2018-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (OK)

XX/XX/XXXX : Veterans Affairs accidentally dropped me from their system and I didn't get paid. I am XXXX XXXX XXXX Veteran and Unemployable. I notified Roundpoint Mortgage Servicing about what happened. 
XX/XX/XXXX : Working with OK XXXX XXXX 's office to resolve my VA XXXX pay issue ; Roundpoint " started Loss Mitigation '', at least that was what they told me. 
XX/XX/XXXX : I started receiving my pay and made 2 months payments, which one was rejected and the other was sent back to my account. 
XX/XX/XXXX : I paid another payment, and then received XXXX payment back into my account. I called and found out that they " could not accept payments because they filed for foreclosure XX/XX/XXXX ''. I asked how and why considering I was suppose to be in Loss Mitigation and I had now made 3 payments. She said all she can say is that they filed for Foreclosure on XX/XX/XXXX. I emailed documents that same day for Loss Mitigation, AGAIN. 
XX/XX/XXXX : Called to check on the Loss Mitigation and then was informed they could not open anything and a letter had been sitting in their system for nearly 3 weeks to notify me of documents they need, but I had already sent. The next day I sent all documents AGAIN, this time Certified Mail to have proof they received them. 
XX/XX/XXXX : I AGAING had to Certify Mail documents to Roundpoint. 
XX/XX/XXXX ( Sunday ) : I was served with a Summons for Foreclosure. 
In Summary : I have been prevented from making payments to force me into default, denied Loss Mitigation, destroyed my credit, and expected to pay THOUSANDS in penalties, interests, and legally fees, which NONE of them would have occurred if they would have done their job in the first place. 
Roundpoint is in multiple class actions for allegedly putting force placed insurance on escrow accounts and using that money with one of their service writing companies as their " personal funds ''. All of this among many breaches of contract and other suits. I am currently waiting on a return call from a lawyer to handle this situation. If there are any questions, please don't hesitate to call or email me. I have documents, scanned copies, copies of Certified Mail Receipts, names of people Ive talked to at Roundpoints " Loss Mitigation Team '' which have absolutely no idea what their job is. I can not submit documents over a certain amount, I will have to mail copies to whomever requests them. 
Thank you for any and all help.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (MD)

1. I never received a notice from the creditor about the debt.

2. Received a notice from the debt collector First Credit Services , Inc. 

3. I disputed the debt and sent it to First Credit Services , Inc. dated XX/XX/XXXX regarding the inaccuracies of amount owed. 

4. I never heard back from First Credit Services , Inc. for the past 4 months. 

5. I received an alert notification on XX/XX/XXXX from the credit monitoring service indicating that First Credit Services , Inc placed negative derogatory information on my credit reports and entered it as a medical bill. 

6. I contacted First Credit Services, Inc on XX/XX/XXXX and I spoke with the manager XXXX XXXX who said that he would take care of the matter and remove from my report. He said he would call me back once he researched my file because First Credit Services , Inc never validated the debt and that the creditor XXXX XXXX XXXX never responded to the investigation. 

7. I called the manager XXXX XXXX of First Credit Services , Inc for the past week and no response, his voice mail is full and no at First Credit Services , Inc can resolve, they keep referring me to the manager XXXX XXXX, but he can not be reached. I keeping leaving my number, but he doesn't call me back. 

8. This is damaging my credit, I can not get a loan and I am preparing to purchase a home. I need this resolved immediately. I need the negative derogatory information removed from my credit reports immediately.
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (TN)

A delinquent trade-line from the company BARCLAYS BANK DELAWARE for {$3100.00} still appears on my XXXX credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why XXXX would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (NJ)

I received a letter from a company that I have never heard of named Stuart-Lippman and Associates , Inc stating that I owed an amount of money to a company that I also have never heard of, named XXXX XXXX XXXX XXXX. This was XX/XX/2018. I called them immediately and found out it was a debt collection agency based out of Arizona. They were very adamant with receiving payment and did not provide me with clear information as to why I owed the amount. Also indicating that it would affect my credit report if I did not pay. After the back and forth they agreed to send me more information which I then informed them that my lawyer will be happy to receive it. A few weeks go by and I still have not received anything until a full month later, XX/XX/2018. They send another letter identical to the first one. It was not the information that I was told I would receive. I am now speaking to my lawyer anyway and of course reporting it to the CFPB.
Consumer complaint received 2018-07-26
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. (IL)

Upon dispute with XXXX XXXX acct # XXXX due to identity theft XXXX XXXX   have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies Transunion, XXXX   and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.
Consumer complaint received 2018-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC (AZ)

I have an auto loan through XXXX XXXX ( Bank XXXX ) which was recently bought out. The " new '' bank, XXXX XXXX XXXX ( Bank XXXX ) who I was referred to by " Bank XXXX '' is advising they have no records of my account and do not own it. I was current on my loan prior to this debacle and have withheld making future payments in fear of being scammed. I was current on my loan up to XX/XX/2018. 

As of Friday XX/XX/2018 an unknown party, American Credit Acceptance ( Bank XXXX ), has started reaching out to me by phone and mail demanding payment for the loan and threatening repossession. In addition to demanding the money they have also sent a letter stating they have retained a collection agency for assistance in recovery of the vehicle on the basis I'm in violation of the loan terms because they do not have any of my auto insurance information ; which sounds like they are phishing for information they should already have if they were the account owner ( another fed flag ). This collection agency has began the a typical harassing behavior of debt collectors to myself and my referrals. I have asked for proof of debt/validation that they have the account and have not provided it, after advising I do not believe they are the account owners. I have requested proof of debt/validation and they have not supplied it which is a red flag. 

I reached out to " Bank XXXX '' Wednesday XX/XX/2018 being the originator of the loan, inquiring about " Bank XXXX '' and they have no knowledge of this company. In due diligence trying to dig into this, " Bank XXXX '' advised on a phone call Wednesday XX/XX/2018 they mailed an advisory letter sometime in XX/XX/2018 which I never received. I asked for a copy and they advised they could only provide a blank template of the letter sent to the customers ( which I requested and still have not received ). I contacted " Bank XXXX '' Thursday XX/XX/2018 when I was told they have no record of the debt. I contacted " Bank XXXX '' Friday XX/XX/2018 and Thursday XX/XX/2018 and requested proof be sent to me ( which I have still not received ). The lack of information being provided to me are red flags. 

My Credit report which I pulled on Thursday XX/XX/2018 shows " Bank XXXX '' as having the account but the debt is paid in full. Why has this not been updated to reflect the new account owner of my loan? ... which is another red flag.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( XXXX, XXXX and EXPERIAN ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. Experian, XXXX and XXXX   have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since XX/XX/XXXX.