davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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)

Subject : XXXX XXXX Credit Bureau for XXXX XXXX XXXX and Remove Inaccurate Information To Whom It May Concern, I am writing to file a formal complaint against [ EXPERIAN ] for their failure to properly reinvestigate and remove a late payment entry from my credit report. This entry pertains to my account with Creditor : XXXX XXXX - Account Number : XXXX In accordance with 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), I disputed the accuracy of this late payment with the credit bureau , as I believe it to be incorrect. Despite my initial dispute and providing supporting documentation, the credit bureau has failed to conduct a proper reinvestigation as required by law. The erroneous late payment entry continues to appear on my credit report, negatively affecting my credit score and financial standing. The relevant details of my dispute are as follows : - Account Holder : XXXX XXXX XXXX XXXX - Creditor : XXXX XXXX - Account Number : XXXX - Dispute Reference Number : Complaint Number XXXX, XXXX. - Date of Original Dispute : XX/XX/year> I have attached copies of all correspondence related to my dispute, including my initial dispute letter, supporting documentation, and the responses received from the credit bureau. This failure to reinvestigate and correct the inaccurate information is a clear violation of my rights under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( A ) ). I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that the credit bureau complies with its legal obligations. Please acknowledge receipt of this complaint and inform me of any further actions or information required from my side. Thank you for your attention to this matter.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been a battle going through this and I am submitting this complaint to delete this fraudulent item in my file that are reporting on 3 Credit Bureaus. I am a victim of identity theft and did not make the charge or the account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove this item from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Novo Platform Inc. (TN)

In XXXX XXXX XXXX I noticed funds disappearing from my business checking account. I notified XXXX XXXX XXXXXXXX of the fraudulent activity and was told they would look into it. Apparently, that never happened. Follow-up calls were just a run around, so I started trying to contact Novo myself XXXX 
Whether email or by phone, we have to have an account number to get started. " they would send a code to " my '' phone. Well, they don't have my phone # because I have never had an account with them. 
I received an email from Novo today ( XXXX ) about collections for my {$25000.00} owed! I replied ( see page 15 ) that I can't call them because I don't have an account #. I also mentioned that because I can't communicate with them that I need to go through the FTC. Strangely the email from Novo went away! 

I have NEVER had an account with Novo! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-08-02
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. (PA)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 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 the 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I hit a financial low in XXXX 2016. This card was active and paid on time, but USAA closed the card due to my having a charged off loan with them, even though this account was in good standing. I am having trouble maintaining the payments. I was recently offered to have a late fee removed, but that was it. I have explained my hardship, but no representative offered any solution to help me be able to adequately repay my debt.
Consumer complaint received 2024-10-07
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)

XXXX XXXX, Social Security Number : XXXX, XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an a personal credit card opened at XXXXXXXX XXXX XXXX under the account number XXXX a personal loan account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$5200.00}. an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$840.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates (IL)

Hello!   On  XXXX   XXXX   XXXX , I was on my way home from   XXXX   XXXX   XXXX  . On the way, I had a  XXXX  attack. I called  XXXX  for an ambulance, which was an emergency call. The ambulance (   XXXX   XXXX   XXXX   XXXX    XXXX   )  took me to  XXXX   XXXX   XXXX   XXXX . I used my insurance  XXXX   XXXX   XXXX   XXXX  Illinois  XXXX   XXXX   XXXX . In the  XXXX   XXXX , the nurse took some analysis and told me to wait. I was waiting  for 5 h ours and no one came to see me or check up on me. While waiting, the pain went down, so I left the hospital and kept on driving home.   In  XXXX   XXXX , I received a bill from Creditors Bureau Associates  XXXX    XXXX   ( Collection Division ) of a sum of {$590.00}. I called  XXXX  customer service and they told me that if there was an  XXXX  in another state, my insurance will pay for all the bills/expenses.   However, nothing was paid off. For 2 months I called  XXXX  customer service,  XXXX   XXXX   XXXX  (  XXXX  ; the company is  Billing Agency  of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , and  Creditors Bureau.  I talked with collector  XXXX . Her phone number is  XXXX . At first, there was an error found in the  Patient Care Report ; instead of the home address I currently live in, th ey put my Driver License address. The address issue was fixed later on.   Some time after,  XXXX  customer service stated that they didnt receive any bill from  XXXX   XXXX   XXXX   XXXX   XXXX  or  XXXX . I again called  XXXX  and  Creditors Bureau.  The collector and I checked all the information and it was all correct. She told me that  XXXX  paid half of the overall amount/expense and that the {$590.00} was the rest that has to be paid off.   A fter my 3rd c all to  XXXX  customer service at the end of  XXXX , an  XXXX  insurance agent stated that I mustnt call any of the involved companies because it violates my rights. The agent said to let  XXXX   XXXX ,  XXXX  and  Creditors Bureau fi gure it out on their own.   On  XXXX   XXXX ,  XXXX , I have sent a complaint to those companies by Certified Priority mail. In  XXXX ,  XXXX , I got a letter from  XXXX  that they will review my grievance.   At the beginning of  XXXX , someone called me from  XXXX  and said that they ca n't help me with anything because 6 months already passed since I went to the hospital.   On  XXXX   XXXX ,  XXXX , and today  XXXX   XXXX ,  XXXX , I got a calls from the collector,  XXXX , and she notified me that the bill was still not paid off to this day. The collector told me that if it doesnt get paid off very soon, they will ruin my Credit History.   Please, help me get this done and over with. I advised many times to make a conference call between  XXXX ,  XXXX  and  Creditors Bureau,  but they all keep denying my offer. I am sick and tired of seeming like I am the coward around here. I do not want to pay for this bill when I have an insurance. I can not afford to pay for it at all.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation (DE)

I have my current mortgage with PHH Mortgage for the past XXXX years of a XXXX year mortgage at XXXX % ( $ 2210 monthly mortgage payment ). My application for refinance to XXXX % that would have reduced my monthly payment to {$1700.00} was denied for a flimsy reason of " inadequate debt to income ratio ''. This was after repayments of all outstanding issues on my credit as instructed by the company to the tune of almost {$5000.00}. I 've always maintained XXXX income sources XXXX XXXX time and Full Time ) with the following gross income streams from my XXXX positions : XX/XX/XXXX - {$110000.00} XX/XX/XXXX - {$130000.00} XX/XX/XXXX - {$100000.00} XX/XX/XXXX - {$94.00}, XXXX The argument as presented to me was that i changed my full time job XXXX months ago hence any income from there can not be used even though there is no gap in full time or part time employment in the past XXXX years. So they arrived at their " inadequate debt to income ratio '' conclusion using only my part time employment. This is a very odd position that brought me to either of XXXX conclusions : XXXX. The company did not want to change the status quo since i 'm already paying at XXXX %. So there is no incentive to go along with the refinance or. 
XXXX. I fit into a category of borrowers that do not understand how the numbers or financing work. 
I have already spent about {$5000.00} as instructed by the company 's loan originators to settle outstanding issues on my credit. This also did not include the emotional toll that the process have put me through. This is very unfair practice that need to be looked into. Thank you for your time.
Consumer complaint received 2024-08-02
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. (TN)

In accordance to fair credit reporting act this creditor has violated my rights under accordance with 15USC 168 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 also states the consumer protection agency can not furnish a account without my written instruction. Under 15USC-1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX XXXX XXXX Bank account was charged off. Account was paid in full to XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX Bank XXXX XXXX, rep id XXXX, in XXXX at XXXX XXXX on XXXX/XXXX/2016. I asked XXXX why XXXX Bank was still reporting this item as a charge off when it was paid and should either be deleted or listed as closed or paid in full. XXXX referred me to XXXX XXXX and advised that he did not have information regarding the charge off and I would have to contact them. It should be noted that I have proof that the payment was made to XXXX XXXX XXXX XXXX XXXX, and still maintain proper receipt with confirmation number as well as the account number in question listed on the actual receipt, which I have attached to this complaint. 

I am concerned with this as I know for a fact that I rectified this account and XXXX Bank still continues to list this item as a charge off. This is affecting my good credit record and continues to affect my credit rating. 

Any assistance in this matter would be greatly appreciated.
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2016-12-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

I keep receiving late charges on my auto loan monthly even if I send in an amount over what is owed on the loan. {$6.00} is being charged every month and I get a separate statement for late charges and one for my regular payment. The company is Ally Financial. Here 's an example- My monthly payment due is {$300.00}. Statement total was {$390.00} which included a {$66.00} past due total and a {$24.00} late fee. I paid a total of {$500.00} which should have covered everything. {$430.00} was applied to unpaid balance and {$68.00} was applied to finance charge. No money was applied to the late charge but then I get another statement/letter saying I still owe {$27.00} in unpaid late charges. I feel like I 'm being robbed here. Can you help me out?
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (CA)

XXXX always try 's to collect twice on their end upon a disconnection. Creditor Acct # XXXX ; The most recent total amount due was {$000.00} as I returned their equipment in person to their office on XXXX. They had sent the equipment chgs to CREDIT MANAGEMENT , LP for the amount of {$220.00}. This is annoying and is the reason I am so upset most of the time. This ALL effects my credit score. My life begins to fill unmanageable when collection letters come that are inaccurate. Once their tech. came out and pocketed my Son 's cash. When I spoke with them, they called it a mistake. That is must have been sent to misapplied accts. What? a tax loop hole? It is so very upsetting to see my credit score drop with each institution.
Consumer complaint received 2024-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I received an Experian negative collection from XXXX, XXXX and XXXX. The report number is XXXX. I requested they verify and provide me with medical information showing that this is my debt. They did not provide me with anything. I don't see how they could even verify anything with a third party considering they legally can not violate HIPPA. 

I am requesting this negative collection report be removed from my credit report.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (GA)

So I was just buying things in ebay with my debit card and when I bought things it said that it that the payment was unsuccessful and when I looked in my purchase history it said that I had bought it, I contacted the sellers but no response yet ... .Did I lose my money for nothing?
Consumer complaint received 2016-12-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

We received a notice of foreclosure from XXXX in XXXX. We attempted to modify the mortgage and have correspondence noting that due to health issues and the disrepair of the property we could not maintain the current mortgage. We hired an attorney to complete Deed in Lieu which required that we put the property up for sale. Followed all directions. No offer. Contacted XXXX to complete deed in lieu, informed that representative could not speak to us. Notified XXXX we could not keep property at current payment. Moved in XXXX XXXX. House in foreclosure. Received notice that Bayview was now mortgage company ( servicer? ) They began sending mortgage statements and asking if we wanted to remain in home. We again made it clear we can not afford current rate and asked about the deed in lieu in which we paid an attorney to handle sale of property. Bayview said all we needed to do was sign a document verifying deed in lieu. Received instead request for new information. Bayview 's correspondence and telephone messgages indicate that they are a debt collector ; however, they have incurred two additional years of debt on a property we have repeatedly told them we can not afford. XXXX sold a mortgage for a foreclosed property with the intent of accumulating additional debt on a property that had already been foreclosed upon. I have XXXX XXXX. My husband has XXXX XXXX. We are unable to afford the cost of emptying out the property. Yet we continue to receive mortgage statements for a property we did everything to avoid foreclosure upon, to no avail.