davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (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 XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 the creditors standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX XXXX : Upon reviewing my account, I identified that my payments, which were made on time, were incorrectly processed as late due to a system error on the creditors part. This error led to the account being reported as delinquent without proper cause. 
Evidence Provided : I have attached my bank statements and payment confirmation emails showing that the payment was processed, clearly demonstrating that no 30-day late payment should have been reported. 
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 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I recently discovered this parked debt account on my XXXX credit profile. NOTE This is your only opportunity to have that information removed and blocked. I was not previously given an opportunity to dispute this alleged debt. However I do know that failure to dispute does not constitute a admission of liability by me according to the law which you have violated by putting this alleged debt on my credit profile and i feel like im being extorted into paying something. I believe this accounts to be inaccurate and falsified. this must be unauthorized charges using my social and you are posting this stuff on my credit profile. I have no intention on paying this alleged debt that have not been verified with me that they are my responsibility. Under GLBA you are supposed to have my consent to share my private financial information with 3rd parties and I DO NOT CONSENT TO THIS by your company. I am not aware that i have any contracts with you. This is considered unauthorized use of credit which i received no benefit from. This is also a direct violation of TILA / FDCPA and is considered harassment and furnishing false and misleading information to 3rd parties AND its being done without my consent to do so. Please do understand that this is a refusal to pay and a cease and desist of collection notice for any efforts thru any medium including credit reporting and unfounded litigation, unless you can provide ALL of the following items so that i XXXX verify responsibility of this debt. 1. Please provide the SSA-89 form that was used to verify authorization to open an account 2. Please provide all correspondence records for the accounts. 3. Please provide the applications with the original creditor that verifies this accounts as belonging to me. 4. Please provide any other documents provided by the original creditor that verifies the accounts belongs to me. 5. Please provide verification of whether or not this accounts were assigned or purchased by your company. 6. Provide the Regulation F Disclosures. 7. Provide the GAAP Accounting for this accounts so that I may verify the creditor/credits/debtor/debt on the account. I need all of the above in order to do my due diligence on this matters. Please do note that i am prepared to take this to court if you continue to violate me under TILA and FDCPA and your company already has been in trouble for this violations and unfair practices multiple times with CFPB and FTC. Please note that given the urgency of this matter, I expect response in a reasonable time frame which would be 5 business days.
Consumer complaint received 2024-10-02
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. (NY)

I was shocked to see incorrect accounts on my credit report this morning, and I cant figure out how they appeared. I check my credit report regularly, but this time, there were discrepancies that didnt make sense. I refreshed my browser to see if it was an error, but the inaccuracies stayed. I hope the documents Ive provided are thoroughly reviewed so I can finally have peace of mind.
Consumer complaint received 2017-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have a Coinbase account and decided to withdraw money amount left. 

My transaction is dated XXXX XXXX XXXX STILL PENDING!!! 
code : XXXX amount XXXX Up to today my money never came to my bank account. 
Costumer service replied to my many mails just once saying I need to wait more because they need to fix a problem. 

I waited more than one month to have MY money back. 
Now it 's too much time Please help
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (AZ)

Holding back a cash deposit and returned a bill pay and charged me the fee of {$38.00} and then charged me another {$38.00} for not having {$25.00} to transfer to my savings, why do I have to pay for not putting money into my savings account and auto transfer, right now my account is over drawn for {$110.00} and they will not reverse it, I feel this is not right. The bank is BBVA compass bank.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (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 XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 the creditors standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX XXXX : Upon reviewing my account, I identified that my payments, which were made on time, were incorrectly processed as late due to a system error on the creditors part. This error led to the account being reported as delinquent without proper cause. 
Evidence Provided : I have attached my bank statements and payment confirmation emails showing that the payment was processed, clearly demonstrating that no 30-day late payment should have been reported.

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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX XXXX XXXX {$300.00}, XXXX {$160.00}, XXXX {$7800.00}
Consumer complaint received 2024-10-02
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. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX Account # XXXX. 
XXXX. XXXX Account XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX # XXXX. 
XXXX. XXXX Account # XXXX. 
XXXX. XXXX  XXXX Account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX. 
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 604 A Section 2 : It also states 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 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 to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX credit card - a XXXX chase card. I was having a hard time paying it after the interest free period was off they referred me to a debt relief program. I entered into an agreement with them, making payments and boom my account is now reported 60 days late. When I call to get a statement I can no longer receive them because the accounts closed and it will not show up on my online account because the account is closed. I am also not getting consistent information, the reps say the account is 40 days past due despite my on time automatic payment with the debt management company that chase referred me to. This company also allowed a third party to open this card that provided my wrong personal information this is fraud. I can not access my account due to this. Wrong email wrong address. It was a company that posed itself as a financial relief program
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

From XX/XX/2024 to XX/XX/2024 every a month a payment of {$260.00} is taken out of my account without authorization for XXXX XXXXXXXX XXXX. A total of {$2300.00}. Which I do not have on my car. I filed a fraud dispute with Bank Of America and it was denied
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-10-03
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. (MS)

-I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine. Please delete. 

2. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine. Please delete. 

3. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine please delete. 

4. 1. Account Name : XXXX BANK Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the past due 30 days XXXX time update the this account to Paid or paying as agreed. 

5. Account Name : XXXX AUTO Account Number : Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX, XXXX & EQUIFAX account. Please provide proof of the XXXX late and update the paid or paying as agreed status on this account. 

6. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IN)

This debt has already been removed from my credit report because it is outside the statue of limitations. The debt is 8 years old and in my state can not be collected. The original debt was {$200.00} and this company is sending me a bill for {$1100.00}.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Despite the ongoing investigation, Equifax has been changing the account 's remarks on my credit report multiple times, rather than removing the fraudulent account. These actions are inaccurate and misleading.Despite the ongoing investigation, Equifax has been changing the account 's remarks on my credit report multiple times, rather than removing the fraudulent account. These actions are inaccurate and misleading.I have contacted Equifax directly, explaining the identity theft and requesting corrections. However, Equifax continues to make inaccurate updates to the remarks instead of rectifying the issue.