davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Concord Resolution Inc (Closed) (CA)

I HAVE RECEIVED PHONE CALLS AT MY PLACE OF EMPLOYMENT AND THE NUMBER HAS LEFT GENERATED VOICEMAIL MESSAGES STATING THEY HAVE ATTEMPTED TO REACH ME XXXX TIMES..IF I WOULD LIKE TO RESOLVE THIS ISSUE PLEASE CALL XXXX
Consumer complaint received 2024-08-15
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 XXXX  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 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. 

XXXX 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 2015-06-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

In my follow up to a previous complaint, Iam very unhappy with their response. They are trying to remove themselves from this process yet Iam making payments to them. They suggest I contact the dealership, I guess this is where the runaround begins. I want to know who the " SCUSA '' is and if they are not affiliated with the dealership, how did they become involved in the contract.
Consumer complaint received 2015-06-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been disputing information for 6mths or more and cant get correct updated information. I have submitted documentation to support the investigation. yet it opens another dispute. XXXX XXXX account should be removed from all XXXX bureaus. in addition to XXXX should also be removed from credit report. I have accounts that where settled and close that are reporting open and due. I have an XXXX account the went to collections that has since been rectified by att that I have to wait to have it removed,
Consumer complaint received 2015-06-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed online XXXX items on XXXX XXXX, 2015. I received a letter in the mailon XXXX XXXX, 2015 dated XXXX XXXX, 2015 stating transunion is writing in responseto my written request on XXXX XXXX, 2015 to cancel my dispute. I NEVERWROTE ANY LETTER ON XXXX XXXX, 2015 TO CANCEL MY REQUEST! 
furthermore, there is no information online regarding my XXXX XXXX, 2015 onlinedispute. 
I demand my XXXX XXXX online dispute being verified for accuracy. transunionhas blatantly violated my rights to dispute inaccurate information byintentially neglecting to reinvestigate disputed items per fcra. Additionally, they have fabricated a lie that I requested to cancel a dispute! I NEVERREQUESTED TO CANCEL MY DISPUTE!
Consumer complaint received 2015-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Regarding the XXXX XXXX accounts below, these were originally sent to my credit reports incorrectly. Last year after working with them for several months, we finally got the bills straightened out. Attached are letters showing our settlement and then their letters confirming they received payoff and would be removing the accounts from my credit reports. 
Last month, I noticed they were re-assigned new account numbers and resubmitted to the credit bureaus. I believe this is illegal. I believe it 's also illegal to put these back on my credit reports without notifying me in writing at least 30 days in advance - which they did not do. I 've tried unsuccessfully to work with XXXX but they evidently have their records in a complete mess. 
Please have them re-remove these from my credit reports so that I do n't have to take this to court. 
I 'm also going to try attaching a copy of my XXXX 2015 credit report to prove I had clean credit before XXXX did this.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

A woman who calls herself XXXX keeps leaving voicemails on my work phone ( last XXXX digits # XXXX ) stating that she is from XXXX., LPA and attempting to collect a debt.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (TX)

Someone at XXXX calls my home XXXX or XXXX times a day for another person claiming they are an investigator and she committed fraud. He even gave me the last XXXX of her social security number. I told him he should not be giving out personal information on this person. He said if I knew her I better tell him. I told him I knew her but this was not her number and stop calling my home. He got very irate and told me this was the number he had on file. I told him to remove it and stop calling here and hung up. He called back XXXX more times threatening to go to her job and what could happen to me. I told him do not call my house a gain and I meant that. He told me this was the number her had on file and he would continue to call. He ever gives his name, just that he is an investigator. Wish I could sue him. I am a XXXX, had a XXXX XXXX in XXXX and do not owe any money he is trying to collect. My XXXX XXXX went up yesterday after the harassment. Can you help?
Consumer complaint received 2015-06-26
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc. (FL)

I received a {$500.00} loan from Kickstand Lending that was deposited into my checking account. I called my bank and them right away. They agreed to remove the {$500.00} from my account and stated they would remove the fraudulent inquires on my credit reports. All but XXXX has removed the inquiries. This is very degrading on my report! I have no reason to ask for a payday loan and do not want that reporting as it is fraud. I filed a few complaints with XXXX about this and they have yet to remove it. I have great credit and charge and pay my bills. I do not want my creditors thinking that I 'm asking for a cash loan of any kind. 
Can you please help me with this? I would really like it removed completely from my XXXX report. You can check to make sure it is fraud. I greatly appreciate all of your help in the past and in the future. You 're doing a great justice for many! 
I can also supply my bank statement with this deposit if necessary. 
Thank you. 
Regards, XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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. 


XXXX XXXX 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 XXXX 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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-07-31
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)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Accounts showing on my credit report that do not belong to me. 

XXXXXXXX XXXX is not an account that belongs to me XXXX XXXXXXXX XXXX is not an account that belongs to me
Consumer complaint received 2024-07-31
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. (GA)

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 am filing this report to urgently address and demand the removal of several inaccuracies on my credit report. These inaccuracies are unjustly affecting my creditworthiness and must be corrected immediately. The accounts in question are : Inaccurate Accounts 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  Applicable Fair Credit Reporting Act ( FCRA ) Laws : 1. Section 605 - Requirements Relating to Information Contained in Consumer Reports ( 15 U.S. Code 1681c ) Obsolete Information : The FCRA mandates that consumer reporting agencies exclude outdated negative information, ensuring that only accurate and current data is reflected.

2. Section 611 - Procedure in Case of Disputed Accuracy ( 15 U.S. Code 1681i ) Reinvestigation of Disputed Information : The FCRA requires credit reporting agencies to investigate any disputed information within 30 days. Inaccurate, incomplete, or unverifiable information must be corrected or deleted promptly.

Notification to Furnishers of Information : The credit reporting agency must notify the furnisher of the disputed information within five business days.

Provision of Results : Upon completion of the investigation, the agency must provide a detailed response, including the results of the investigation and an updated copy of the credit report if changes occur.

3. Section 623 - Responsibilities of Furnishers of Information ( 15 U.S. Code 1681s2 ) Duty to Provide Accurate Information : Furnishers must provide accurate data and correct any erroneous information they discover. 
Duty to Investigate Disputes : Furnishers are obligated to investigate disputes received from credit reporting agencies, reviewing all pertinent information and reporting back to the agency.
Consumer complaint received 2015-04-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (NC)

First of all I never received anything in regards to this debt, it just magically appeared on my credit report. I have tried to contact Midland Funding , LLC numerous times to get them to fix some inaccuracies they are reporting across the XXXX credit bureaus. I sent a direct dispute on XXXX/XXXX/2015 which I never received a response to, then sent another one on XX/XX/2015. I contacted Midland Funding , LLC and spoke with someone who was clearly only reading from a script who told me they sent out a response to my direct dispute dated XX/XX/2015 on XX/XX/2015, which I have yet to receive. The main issue that I have with them is that on my Equifax report they are reporting as the ORIGINAL CREDITOR. On XXXX and XXXX they are reporting correcting, that they are a debt collector collecting for the Original Creditor XXXX. I 've noticed a lot of people have the same problems with Midland Funding , LLC. Everyone I have spoken with at their offices calls me a criminal and one of them even used curse words at me. This is not an acceptable company.
Consumer complaint received 2024-07-31
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. (OK)

Recently I did an investigation on my credit report which caused XXXX 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 XXXX  :, 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 2015-06-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

I made a mobile deposit on XXXX XXXX to my XXXX bank account from my Apple Bank check XXXX. I have been to XXXX and they took the credit away from me because the check was never paid by Apple Bank. XXXX claims that XXXX bank has the original check and was cashed at an XXXX bank on XXXX XXXX, 2015. However, I do not own an account with XXXX nor do I know anyone who has XXXX. Someone stole this apple bank check from me. According to XXXX, Apple bank needs to file a forgery claim affidavit with XXXX in order to get my {$500.00} back from XXXX because XXXX does not have that check. On XXXX XXXX, Apple bank withdrew {$500.00} from my checking account to pay XXXX for the mobile deposit I made. On XXXX XXXX, 2015 Apple Bank withdrew an additional {$500.00} from my account to pay XXXX. However, two days later Apple Bank returned the additional {$500.00} withdrawal to XXXX due to a fraud claim. Then on XXXX XXXX, XXXX withdrew {$500.00} from the deposit I made on XXXX XXXX claiming that XXXX has the original check. So what happened to my deposit on XXXX XXXX to XXXX. I am missing {$500.00} dollars. I physically went to XXXX to try and solve this and they would n't speak to me because I am not a customer with them and they need to deal with Apple Bank directly. However, after numerous attempts of going to my local Apple Branch they have not done anything for me. They refuse to even speak to me at the XXXX XXXX Apple Bank XXXX. The manager at the XXXX XXXX Apple Bank, told me to file a police report, and also to write a letter explaining the situation. When I went with all the documents she required from me she refused to even look at it. Her name is XXXX XXXX. She is the Manager at the XXXX location. If this is who Apple Bank has in charge of that location. As soon as this is resolved I will be closing my accounts with Apple Bank. A bank where I have had my accounts for close to 20 years. She has not been professional at all. She tries to avoid at all costs and all she ends up doing is referring me back to XXXX or to XXXX, knowing I do not have an account with XXXX! All I want is help from Apple Bank. they should reach out to XXXX and retrieve that stolen check from me. This is my hard earned money being stolen from me, and the fact that my own bank wo n't even fight for their own check is sad. If this is how customer service is handled in Apple Bank, I will close my account.
Consumer complaint received 2024-07-31
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. (NJ)

I am writing to demand immediate action regarding the persistent inaccuracies on my credit report. Despite my previous efforts to address these discrepancies, the same incorrect information remains unchanged. This lack of responsiveness is unacceptable.
Consumer complaint received 2024-07-31
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. (OH)

XXXX XXXX SS # XXXX, XXXX XXXX XX/XX/year> THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605B ( 15 U.S.C 1681c-2 ) THAT YOU, THE 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 AUTO LOAN WITH XXXX XXXX XXXX UNDER ACCOUNT NUMBER XXXX THIS ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS/CHARGE-OFF 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 ITEMS. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS/CHARGE-OFFS 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/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF A FTC IDENTITY THEFT CRIMINAL COMPLAINT AS PROOF FROM THE US FEDERAL TRADE COMMISSION THAT ALL OF THE AFOREMENTIONED CONSUMER CREDIT ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD.