davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NC)

I had a payment that was due on XX/XX/year>, for my Destiny credit card that I use for different things, and I was not able to make my payment on that day. But I did make a payment on XXXX XXXX and when I made this payment it said my payment had been received thank you, but then it also said adjustment-payments R01 Insufficient funds. I was charged for a returned check charge, but there was also a refund return ck chg. This activity occurred in XXXX XXXX nine days after I made my payment. But I did call and check on my payment on XXXX XXXX and was told that my payment was going to clear on the XXXX of the month. But then I say on my credit report that they reported my account as a delinquent account when I need make a payment on XXXX XXXX and was never told that there was a problem with my payment. Then when I spoke to a associate they told me they don't make phone calls to the clients if something goes wrong, but she also said they emailed me even though they had not because I had no email. I spoke to at least 7different people about my account and my mom even spoke to them about this account because the payment that was made came out of my mother 's bank account. I spoke to at least 3 managers, and they all said pretty much the same thing about this issue but none of them really tried to help me they just wanted a payment. They also charged me late fees even though I had the payment in there and wasn't told there was a problem with the payment. When I asked about the delinquency, they put on my account I was told that the company does not do reversals so I would have to go through the credit bureau and dispute it and in the meantime that delinquency is hurting my credit especially since I am in the process of trying to fix some of the accounts on my credit report. Also, when I look at my payment activity and my past payments it says that the {$480.00} was paid and both of them say paid more than one time this payment would have cleared up my account and put me back at my {$300.00} limit.
Consumer complaint received 2022-08-31
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. (CA)

Ive been trying to dispute these unauthorized inquiries on my report but my disputes has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Under the FCRA section 605b, the Credit Bureaus are required to remove any item and information that resulted due to identity theft. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following inquiries completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2022-08-30
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)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

i reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXXXXXX. Please investigate and provide proof with statements showing that these payments were late. if proof can/t be provided i demand these payments be updated to on time as they should be as i was Never late. thanks
Consumer complaint received 2022-08-31
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. (NY)

I call them and spoke with someone about get this resolved and removed this off of my credit report this is very I call them XX/XX/2018 and they told me they was to have it removed but they never did it so Im writing yall to have it removed now please help me thank you an advance. XXXX XXXX
Consumer complaint received 2022-08-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BROKER SOLUTIONS, INC. (GA)

New American Funding has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been paid by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit A & B ) New American Funding has violated 15 U.S. Code 1666b by claiming payments can be considered late when congress has forbidden that claim. ( Exhibit A ) New American Funding has violated 15 U.S. Code 1892b ( 2 ) by trying to collect an alleged debt from me outside of my state. ( Exhibit A & B ) New American Funding has violated 15 U.S. Code 1692f ( 8 ) by allowing their logo to appear outside the envelope which violates my privacy so that everyone can assume I owe something when I don't. ( Exhibit C ) New American Funding has violated 15 U.S. Code 1681b ( a ) ( 2 ) by furnishing this information without my written consent to credit reporting agencies. ( Exhibit D )
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

Social Security administration erroneously deamed me deceased. I emailed this letter from social security and a letter of explanation to Ally Auto on XX/XX/XXXX. They gave me a case number XXXX. They have no idea what Im talking about. I faxed over the same information on XX/XX/XXXX at XXXX as directed still nothing. I even mailed it to their Minnesota address. Nothing ever was done, simply ignored, no adjustments made to the account, no contact to me, no updates, just more late fees, past dues. I have made a payment at the end of XXXX, beginning of XXXX and have scheduled one for XX/XX/XXXX. In the meantime no one there knows anything, including about the case number that was given to me.
Consumer complaint received 2022-08-31
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. (CA)

Ive been trying to dispute these unauthorized inquiries on my report but my disputes has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Under the FCRA section 605b, the Credit Bureaus are required to remove any item and information that resulted due to identity theft. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following inquiries completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX  Inquired on XX/XX/2022 2022
Consumer complaint received 2023-01-27
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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. (MO)

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX : Inquiry date-XX/XX/2022 XXXXXXXX XXXX XXXX  : Inquiry date-XX/XX/2022 I applied for the wrong loans.
Consumer complaint received 2022-08-31
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. (MI)

Experian is now aware that it is harboring data for an XXXX XXXX account listed in my credit file. They were made aware of the issues both through CFPB complaint XXXX on XXXX XX/XX/XXXX and through the Experian dispute system. On XXXX XX/XX/XXXX Experian returned results from the dispute system. The specialist claimed they could not find an account matching the supplied last five ( 5 ) digits of my card number. Note that same number is used when XXXX has replied to me on official letterhead through the CFPB complaint system. The account was charged-off by XXXX because XXXX failed to generate billing statements. And, despite multiple billing error notices from two ( 2 ) collections agencies, and myself over a year-long period, they never rectified the situation. That scheme was explained fully in XXXX and is similar to what XXXX attempted to do with my student loan account. When I disputed XXXX information through Experian, the specialist responded with : " A Charge off status means that the credit grantor wrote the balance on the account off as a bad debt. When an account displays a status of charge off, this means the account is closed to future use, although the debt is still owed. The credit grantor may continue to report the past due amount and the balance owed. The account and the payment history will remain on the personal credit report for seven years from the initial missed payment that led to the charged-off status. If you pay the account, the status will reflect as a paid charge-off. That is, a specialist at Experian was able to articulate the extent to which any firm may report information for a XXXX  account in a credit file. Yet, as outlined in XXXX XXXX  is furnishing information that implies future monthly obligations via late payment history that advances every thirty ( 30 ) days. As outlined in XXXX, Experian is well aware that enabling XXXX  to supply information that implies future monthly payment obligations is misleading and considered a FCRA violation as established under Jackson v. Experian Info. Solutions, Inc., Case No. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX. XXXX, XXXX ). This is no different and as such, I am demanding that the account and tradeline be removed immediately and that XXXX be blocked from reinserting information for this account because Experian is in violaton of the provision of the Fair Credit Reporting Act ( FCRA ) applicable to credit reporting agencies, 15 U.S.C. 1681i ( a ). I have included all documentation with XXXX so that Experian understands what exactly XXXX is doing and why.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (AZ)

On XX/XX/XXXX I made 2 ATM deposits at the US BANK located on XXXX XXXX XXXX in XXXX AZ. 
XXXX for XXXX cash another a check for XXXX. Both were then pending as US bank states that they don't process deposits on the weekends. Both were completed on XX/XX/XXXX. I then attempted to use my debit card for a transaction and it was declined. I contacted us bank by phone and in person and was told that the XXXX dollar check was placed on hold. They are are holding funds without notice after they made then available. Charging fees and causing my account to be overdrawn I have attached a XXXX of the deposit showing completed.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (OH)

AMERICOLLECT has failed to validate an " alleged '' debt in the amount of. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ).

Show ( ii ) The consumers name and mailing address.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ).

Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ).

Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ).

Show ( v ) The name of the creditor to whom the debt currently is owed.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ).

Show ( vi ) The itemization date.

( vii ) The amount of the debt on the itemization date.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ).

Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ).

Show ( ix ) The current amount of the debt.
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

By submitting this XXXX complaint today, I am requesting to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00}
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AL)

Im the fall of 2020, a settlement was reached with Synchrony Bank to settle a credit card debt for less than what was owed. All payments were made. In XXXX of this year, I discovered that they had turned the debt over to a collection agency claiming that they didnt receive one of the payments. I have sent proof that the payments were made, but they keep denying my disputes and wont remove this debt from my credit report. The name on my account is XXXX XXXX, my previous name.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 section 602 B states 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-31
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. (IL)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX Balance : {$210.00} ; XXXX  XXXX XXXX : {$3900.00} ; XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$880.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$730.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$7600.00}.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Also acct has wrong information showing having my last name as XXXX XXXX which is incorrect and also wrong move out date showing. I have disputed this many times. Please help me 15. USC Section 602A state I have the right to privacy.

15. USC Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-08-31
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XX/XX/year> I'M WRITHING TO YOU REGARDING DISCREPANCIES I HAVE FOUND ON MY CREDIT REPORT 1.MIDLAND CREDIT MANAGEMEN {$1300.00} XXXX 2.MIDLAND CREDIT MANAGEMEN {$1000.00} XXXX XXXXXXXX XXXX {$610.00} XXXX XXXX
Consumer complaint received 2022-08-31
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)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXXXXXX XXXXBalance : {$3900.00} ; XXXX XXXX XXXX : {$470.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$880.00} ; XXXX XXXX  XXXX Balance XXXX {$730.00} ; XXXX XXXX XXXX Balance XXXX {$1100.00} ; XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$7600.00}.