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

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

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

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

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

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

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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2017-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I pulled a copy of my credit profile through  XXXX  and saw that a collection accouunt regarding account #  XXXX , which Portfolio Recovery claim I owe {$570.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I hav  e ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) from your com  pany or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCP A 807 [ 15 USC 1962e ] ; theref ore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2017-05-20
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: BMW Financial Services NA, LLC (GA)

Hello, I filed a complaint with the BBB about BMW Financial on XX/XX/XXXX, the why I filed a complaint because BMW was reporting a  late fee to the credit bureau and not the initial car payment then they retro-acted my credit report and reported XX/XX/XXXX and XX/XX/XXXX 30 days late when it was once reported paid as agreed. Of course the complaint when in to favor of BMW. But, I filed another complaint with BMW on XX/XX/XXXX, because the sent me a letter stating that I own late fees so I called BMW and their representative contacted the credit department and the credit dept stated all of the extra money goes toward the car-note, and not the late fees. I told that representative that I have never heard of such because you ca n't separate the late fees from the car-note because its one payment. Then the representative tole me if you do n't pay it, it will go towards your car-note, and for the month of XX/XX/XXXX your car note will increase by XXXX dollars, but if it remains as a late fee we want report it to the credit bureau. The document of the outstanding late was a cover-up because they reported the late-fees to the credit bureau therefore they had to put something in black and white. So I contacted XXXX from the BBB locate in Ohio who investigated the first case he also agree, and I sent him documentations also and he ca n't find any late fees ... .BMW did this because of retaliation, and now they are harassing met, and reporting false information to all three credit bureaus.
Consumer complaint received 2017-05-20
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. (KS)

My Experian credit bureau was pulled by  XXXX   XXXX   XXXX  on      XX/XX/2015 .   I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
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. (NY)

In accordance with the Fair Credit Reporting Act HAPPY MONEY 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as lateforanypurpose.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I paid as agreed and they are charging me for a vehicle I was not at fault in an accident they are ruining m y credit score bec ause they know I am coming into some money where they are insured themselves, and their corporate office is taking advantage of my military, and veteran status as well.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove these items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX ACCOUNT # XXXX this company sent me a validation of debt with proof that they are reporting inaccurate and incomplete information to different credit bureau. The credit bureaus they are reporting to all have different inaccurate and incomplete information.

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

This creditor is in violation of 15 US code 1692J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (GA)

Subject : Dispute Regarding Refusal to Update Personal Information and Denial of Access to Consumer Report Dear Equifax I am writing to formally dispute your agencys refusal to update my personal information and denial of my right to access my consumer report, as required under the Fair Credit Reporting Act ( FCRA ).

Personal Information Update Refusal On XX/XX/2024, I submitted a request to update my personal information on my credit report, including [ list specific information that needed updating, such as current address, name, date of birth, etc. ]. However, despite providing all necessary documentation and verifying my identity as required, my request has been unjustifiably denied.

Under the FCRA, specifically 15 U.S.C. 1681g ( a ), I am entitled to have accurate information on my credit report. It is crucial that my personal information is correct and up to date to avoid any inaccuracies that could negatively impact my credit standing.

Denial of Access to Consumer Report Furthermore, on XX/XX/2024, I requested a copy of my consumer report to review the information currently reported by your agency. I have been unjustly denied access to my consumer report, which is a violation of my rights under the FCRA. According to 15 U.S.C. 1681g, I am entitled to a free annual copy of my credit report, as well as access to my report whenever inaccuracies or identity theft are suspected.
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. (WA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-05-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC (NJ)

Denial of F HA Jumbo Loan  and non-return of home deposit.     We have been proactive in pursuit of a refund since  XXXX / XXXX / 17 . FHA  Jumbo Loan Denied w  ith Hovnanian Homes due to loss of employmen t on  XXXX / XXXX / 2017 . Provided letter of separation from  XXXX   XXXX  to  Hovnanian Home M ortgage Department. A letter of denial of mortgage was issued  XXXX / XXXX / 17 . Called and spoke to  XXXX   XXXX   XXXX  estate agent/Broke r for Hovnanian Homes o n  XXXX / XXXX / 17  regarding job loss and refund.There was no follow- up via email or call to when the home deposit ( time- line ) will be mailed to us by  XXXX   XXXX   XXXX   XXXX  further escalated our complaint to  XXXX   XXXX   XXXX  several times via email. The response and result from  XXXX   XXXX   XXXX  was no response to time-line when the refund will be issued. The deposit was {$6000.00} toward a new construction town-home in  XXXX , New Jersey provided the approval of  FHA Jumbo  loan.  XXXX   XXXX  applicant and  XXXX   XXXX   co-applicant. Please investigate why there is a lack transparency with the refund and why there is a delay with the status of our refund.
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A  Student Loan Company  claims that I am owing $  XXXX  for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.
Consumer complaint received 2024-09-03
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX XXXX : {$310000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$770000.00} XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$3000.00XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXXXXXX Balance XXXX {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$2700.00XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX : {$80000.00} XXXX XXXX XXXX Balance : {$76000.00}
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. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC (DE)

I filed  Chapter   XXXX  Bankruptcy in  XXXX    XXXX   on a home mortgage and the credit report reads a outstanding interest accrued amount instead of a status of discharged through chapter  XXXX  bankruptcy.
Consumer complaint received 2024-08-02
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (NC)

I have a unverified account from MIDWEST RECOVERY SYSTEMS #  XXXX . I had previously disputed this account. I have never done business with MIDWEST RECOVERY SYSTEMS #  XXXX . Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request that MIDWEST RECOVERY SYSTEMS #  XXXX  Provide verification of the follow ing : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. )   An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDWEST RECOVERY SYSTEMS #  XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt
Consumer complaint received 2017-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

It comes time to start paying my stu dent loans. Navient is handling  my student loans, and after mailing them a check they took the money, and did n't attribute it to my payments. Effectively stealing my money. The money disappeared  XXXX / XXXX / 17  Check #  XXXX   ( Converted ACH ) NAVIENT CHECKPAYMT {$140.00}. All I see when logging in is capitalized interest with " no payments '' ( trying to steal more money by means of interest it seems ). I t ried calling them on  XXXX / XXXX / 17 , and was told by a representative that I sent the check to the wrong office. I was also told they would send the check back to me. Even if they do send the check back, they have still taken the money. I have no idea what to do.
Consumer complaint received 2017-05-20
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. (FL)

On XX/XX/XXXX I entered into a 24 month lease for a new XXXX XXXX XXXX with creditor XXXX XXXX XXXX XXXX XXXX ( XXXX ). Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent 23 lease payments were paid in one lump sum, totaling {$2400.00}, and was received by XXXX on XX/XX/XXXX ( see attached XXXX statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges assessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). The vehicle was returned to the dealership where it was purchased inXX/XX/XXXXXX/XX/XXXX. There was not a problem with this account until XX/XX/XXXX. XXXX fraudulently reported to the 3 major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because XXXX 's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with XXXX on XX/XX/XXXX a XXXX representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not XXXX ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my credit score due to thier fraudulence.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX debt collector XXXX XXXX XXXX referencing XXXX number XXXX is reporting on my XXXX and Experian. I've disputed with the company on XX/XX/year> on violation of communication when I sent a cease and desist letter that was mailed out, previously disputed XX/XX/year> debt validation of debt and never got a respond from debt collector, I've noticed on the NMLS that they are not registered to collect on this alleged debt. I've never got proper notification XXXX days prior debt was put on my report. My next steps will seek arbitration from credit bureaus, if this don't get resolve promptly. Has XXXX notified that this account is being disputed?