davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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. 


EXPERIAN 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 2024-10-14
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. (PA)

To Whom It May Concern : recently I did an investigation on my credit report and I found several items on there to be inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX POLICE REPORT XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2018-03-05
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: HCFS Healthcare Financial Services of TeamHealth (FL)

Strictly for XXXX XXXX XXXX, XXXX, XXXX, XXXX. PLEASE REMOVE ANY OTHER ADDRESS LISTED OTHER THAN THE LISTED ADDRESS THANK YOU. Here is a final letter and the final attempt to reach out to you. I would like for you to know that all letters and conversations between us have been previously recorded. I have sent in previous certified letter since XX/XX/XXXX and I havent gotten a response on my case. Your company has violated my rights within The Fair Credit Reporting Act within sections 609, 611, 612, 623, and several others. I am seeking a total of {$3000.00} for damages and the detriment to my personal credit file. Your company is reporting erroneous information and I am unaware of it. This is the final good will letter and will contact the attorney generals office in Florida, make sure your company is placed on public records file. If you think that youre going to get away with this you are wrong and I know all of my rights. I asked for several documents in XX/XX/XXXX of last year. I asked for original contracts with my signature, by law if you didnt respond within 30 days the erroneous accounts listed were to be removed and you continuously report it. XXXX XXXX XXXX THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-03-05
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. (FL)

It is now my third time disputing the erroneous information that you continue to report on my credit file. This is the final letter before litigation. T For the final time I am unaware of the accounts listed on my credit file. I am a victim of identity theft and I have provided documents previously to you. I was also affected by the credit breach with XXXX and XXXX. I am disputing the accounts as an affidavit and an internal dispute. The error accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am giving you 5 days to investigate this internal dispute and I am keeping record of all letters information and etc leading to our day in court. My next step is definitely to seek litigation. Please remove all other address, Names, and Accounts and inquiries your company reports continues to report erroneously. The correct information is listed below. I will follow up with a call within 2 days to get this issue resolved permanently. Remove XXXX XXXX XXXX XXXX FL XXXX. This isnt my address which I have stated time and time again, I am unaware of that address and the accounts affiliated with it. It seems erroneous and fraudulent. I wont mention it again. Its been well over 4 months and 3 disputes later and the erroneous information remains on my report and it isnt mine. By law it must be removed immediately today. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. XXXX and Experian removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  XXXX XXXX
Consumer complaint received 2018-03-05
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. (TX)

I recently sent a letter to Experian dated XX/XX/2018 asking them to verify the bankruptcy on my report from XX/XX/2018. I spoke to the clerk of the bankruptcy court and she advised me that their court did not report this information to Experian and that their court does not even have a subscription to report to ANY credit agency. I feel that Experian is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The clerk also advised me that they do not verify this information directly and in addition, the clerk from the court explains that the courts do not verify or give out social security numbers to any THIRD PARTY companies. So if they did not report this information how did you? According to the FCRA it is not permissible for you to report THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate unverified information. This results in Experian using erroneous information including but not limited to falsely reporting information to my Credit Report. 

I have included a letter to that effect my original dispute letter. Thank you for your help.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

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 2024-08-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (NC)

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Account status : Collection Reported balance : {$280.00} Date opened : XXXX XXXX Date reported : XX/XX/year> Actions taken : I told them to stop calling me after getting threatening phone calls, so under law 15 U.S. Code 1692c - Communication in connection with debt collection, I would like this wiped off my credit report.
Consumer complaint received 2024-08-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

Policy # : XXXX Claim # : XXXX 1, XXXX XXXX XXXX sent this letter in reference to my past policy with XXXX. The policy was started in early XXXX. There were two claims filed, due to XXXX  issues that I thought were covered. I later learned that XXXX XXXX were not a covered benefit. The claim was closed and placed on my driving history with XXXX. A second claim was filed by me with XXXX, where there was XXXX XXXX XXXXe and also damage XXXX the XXXX XXXX XXXX. The XXXX XXXX was documented and an assessment at a local dealership was performed. The adjuster stated that there were XXXX XXXX on the vehicle, which XXXX would not cover. There were never any XXXX XXXX added to the vehicle that I had knowledge of. The claim was denied and the vehicle remained unrepaired. I filed a XXXX claim with XXXX and never received a response. I then filed a XXXX complaint on XXXX and never got a resolution from XXXX claims. My vehicle is still in the shop for over 3-4 months hence why I didnt pay, cause my car wasnt drivable, their was going to cancel my policy for XXXX without any reasoning, so if I would pay them, I would been a waste of money, because if I would of continued with them, they would cancel my policy and leave me struggling, they damaged my driving record, to where I have to pay XXXX $ for insurance, because of the misinterpreting the claim they did, I wasnt in accident. XXXX damaged my driver record. 
XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (ND)

On the date of XX/XX/XXXX I had to contact found bank that I was completely locked out of my account phone number and email had been changed. I provided identification verification to have them freeze my account until I could regain access to my account. Once I regained access to my account I seen that two money transfers were made on XX/XX/XXXX one in the amount of XXXX and the other in the amount of XXXX back to back and there is no option to dispute them on the mobile banking app so I called for live support and they said that there was nothing they could do that I would have to contact risk support that assisted with recovering the account so I did and they messaged me stating I would have to make a claim before they could continue with the investigation and I replied on how or what I needed to do and they still have not replied to further help me in the process to recover my funds and I called again and they assured me to email them again and still have not got a reply or response on how I would begin the process to resolve the issue
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (NY)

I got letter from TD XXXX XXXX XXXX with promotion- if I spend {$500.00} in 90 days I will get {$200.00} bonus-I apply and get the card and I make purchase for $ XXXX and when I called about my bonus- they told me I don't get bonus because I get already bonus last year with the same offer- but I cancel the card last year -and this year I got letter from credit card to apply with promotion-credit card never mansheen to me you will not getting {$200.00} because last year you got promotion even I cancel my card-Please help me to get promotion-THANKS
Consumer complaint received 2024-07-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (WA)

I accepted federal student aid for college in 2017 from Ed Financial. My parents paid the interest between 2017 and 2020 on the loan amount. I graduated in XXXX  2020 and paid the remainder of my federal student loans in XXXX  installments and they were paid in full by XXXX 2020. 

In late summer/early fall of 2022 ( I am in the process of obtaining my phone records ), we contacted Ed Financial to inquire if I qualified for student loan XXXX  even though I had already paid the loans in full. I was told by the customer service representative that I was eligible and they could send me a check in the amount of {$20000.00}. I received a check in XX/XX/XXXXXXXX  2022. There was no verbal agreement of the terms and conditions or a document to sign indicating my knowledge and understanding of the terms and conditions. 

In XXXX  2023, I began receiving emails indicating I had a balance in the amount of {$20000.00} plus interest and my payments were past due. Of course, I thought this was a mistake so I began calling Ed Financial. Please see the attached phone call log documenting each phone call to Ed Financial. 

I was never informed this forgiveness was expected to be paid back in the future. I would never have accepted the forgiveness check if that had been explained to me. My parents wouldn't have worked hard to pay the interest while I was in school, for me to then pay my entire loans off in XXXX to then turn around to owe them again. 

After I made XXXX phone calls to Ed Financial since XXXX  2023, the customer service representative indicated in XXXX  2024 that this was a XXXX refund and I am required to pay the money back. She also said my loan is in " XXXX XXXX '' and has been since XX/XX/XXXXXXXX  2024 although there has been no resolution. This will hit my credit in XXXX  2024 and will ruin my perfect credit score. 

In all phone communication with Ed Financial prior to XXXX  2024, they indicated that they had changed loan servicers and that it was most likely a system error because they could see my loans were paid in full. It was never made clear to me until XXXX  2024, that I am actually likely being billed for the XXXX  check. Ed Financial has committed acts of unfair, deceptive, misleading, and abusive practices. 

Thank you in advance for helping me hold Ed Financial accountable and helping me resolve this issue.
Consumer complaint received 2024-07-26
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Upstate Remedial Management Inc (DC)

XXXX I received a call from a private courier stating that they will be bringing documents to my house and or work if I dont call the phone number ( of the creditor ). The creditor called both my daughters And left voicemails t about my debts and if I dont call the credit and get a stop order.
Consumer complaint received 2018-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

This is my email to Bayview Loan Servicing, Bayview Loan Servicing , LLC Customer Support XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Customer Relations Department at XXXX. Our hours of operation are Monday Friday XXXX XXXX to XXXX XXXX ET, and Saturday XXXX XXXX to XXXX XXXX   ET. 


Loan Number XXXX Property Address XXXX XXXX XXXXXXXX XXXX, AZ XXXX Mailing Address XXXX XXXX XXXX, XXXX, AZ, XXXX, USA Interest Rate 11.2500 % OK, I have sought legal counsel on several issues. 
First, The property address is not XXXX XXXX XXXX XXXX, XXXX, Az XXXX. That was an office space I rented from XXXX until XXXX The correct site address is XXXX XXXX XXXX, XXXX, AZ XXXX. 
Make the necessary changes. 

Second, I reviewed the form XXXX and found a gross error that the Federal Trade Commission may be interested in. How is it I paid {$200.00} every two weeks, never missed a payment, and now I owe more at the end of XXXX than I did at the beginning of XXXX. 
I wonder how many mortgage payers are going to blindly pay the balloon you are creating. 

Thirdly, who is collecting the interest on the {$200.00} payments I am making until it is applied to the loan. That is my money, I expect that money to be applied as I pay it not held in your interest bearing escrow. Thus what are you doung with the extra payment a year I am making. I want to pay this not off not have you embezzle the interest you are earning at my expense. 

So, I more than request a full accounting of all payments applied when received and the EOY balance adjust downward where it should be. 

In the meantime, I will be filing a complaint to the FTC concerning your continued egregious inability at mortgage servicing. You should be shut down. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- end of email to Bayview -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This note was incepted originally with XXXX. They sold the note to Bayview and Bayview has sold it twice more since yet maintain servicing provider. I have had nothing but trouble with Bayview. I need to pay biweekly ; it took me three tries before they figured out how to take biweekly payments. Yet, they do not apply the payments to the note when they receive the payments, They hold the payments in escrow until the regular payment is due. That means I am paying 30 days interest on a sustained balance instead of 15 days. I am not being credited the interest they are earning on my money they hold in escrow. 
Then, they increased the EOY balance by the difference of the interest I paid and the payments I made. They are creating a balloon payment situation that I will never be able to pay when it is due. That is one reason for the biweekly payments to reduce that end of contract balloon. 
These people took over servicing XX/XX/XXXX and continue to demonstrate their inability to properly service loan accounts. They should be shut down.