davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-21
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: Commonwealth Financial Systems, Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Common Wealth Financial XXXX XXXX Re : Acct # To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered on XX/XX/XXXX that the item has been reinserted on my credit report. Look at the dates of the photos how my credit was perfect. Common Wealth Financial posted a bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice  to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2017-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

This is about my student loan and here is my Navient information   XXXX   XXXX   Account #  XXXX  I am a  XXXX   XXXX  student and have been for the past  3+  years Last summer I noticed that Navient had put me down as starting repayments within a few months and took the appropriate steps to rectify this, including the school sending confirmation regarding my student status Now Navient send me an email stating that I am overdue on a payment and another  one  is due now!   They seem to be unable to rectify the mistake, despite my best efforts.   I have also written to their ombudsman and the contents of that email are bellow.   ================================================ The email : Dear ombudsman office, My account states that   I have an overdue payment and more coming.
I am a full-time student!!!!
I saw this mistake coming last summer and did all the necessary steps ( school sent verification ) to correct it.
So why now am I being billed?
Please look into this and correct it.
I am also sending this letter to CFPB T  hank you  XXXX
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion Re : Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern : On XX/XX/XXXX I disputed inquiries reported by TransUnion in the file you maintain under my Social Security number. I was informed on XX/XX/XXXXthat the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX TRANSUNION 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 to be 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. 


XXXX XXXX TRANSUNION 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 2017-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

I initiated a 0 % APR balance transfer to my Citibank credit card. This included a 3 % fee on the balance transfer. As part of the promotion, I was told that I would not pay any interest on the balance transfer until XXXX 2018. What was not clear is that since I would be carrying a balance on my account, any additional charges ( ie, standard purchases ) would incur interest charges even if I paid the new standard charges in full. So for example, if I had a {$6000.00} balance transfer charge on my account and accrued additional charges of {$500.00} at a local retailer that month, despite the fact that I might make a payment of {$2000.00} when my next monthly payment is made, I 'm still charged interest despite the fact that my {$2000.00} paid for all the new standard charges and a big portion of my balance transfer. The fact that I would be charged interest on standard purchases ( despite paying them in full ) was not well explained in the marketing. When I called Citibank to complain this morning, I was told, " most people initiative a balance transfer and then do n't make any additional charges on that card so that they do n't get stuck in the cycle you are now in where you 'll need to pay interest every month until the account is paid in full. '' She was unable to do anything to help. Very deceptive.
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (TX)

I had an  a CCB/PayPal account 7 years ago. I canceled my account 7 years ago. CCB/Pa yPal continues to request my credit report from  XXXX , and  XXXX . Upon calling them, they have refused to take the enquiry off. I have not authorized them to pull my credit report.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CO)

I applied for the Delta American Express card online. The initial offer of XXXX  bonus Miles was presented to me at first. After closing the window a new counter offer of XXXX was offered and at that point I have decided to apply. To date only XXXX miles or deposited to my delta account. After serval attempts to get the rest of miles deposited I have decided to involve the CFPB. I ask that you help me to get there extra bonus XXXX miles  deposited into my Delta account. American Express case number is XXXX.
Consumer complaint received 2017-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NV)

This Collection agency Company Convergent has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe ( {$2400.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to Convergent about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Convergent. Dont matter the original creditor have the same account number as the collection agency. XXXX and Convergent different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$2400.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Credit hurt by multiple credit inquires within two months. Only one authorized but XXXX XXXX via XXXX XXXX has 2 inquires weighing on my credit. I only authorized one. Banks are also forcing me to pay back money sooner by tarnishing credit with unauthorized hard inquires and other devious practices. XXXX XXXX and XXXX XXXX will loss my business because of this over-time. XXXX will not allow me to dispute my hard-inquires??? I have not requested any new credit and hard inquires are showing up. Not fair to consumers. Please tell me they are not going to let big business and Banks walk all over American People?
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (CA)

The debt is for " repairs '' that were made to a property when I moved out of the apartment. I was overcharged for painting when as tenant over 3 years, painting is considered " wear and tear '' but charged costly for painting. Also left the apartment early and requested repairs. Repairs did not take place but after and the cost for replacing a curtain was for a small window was over {$100.00}. Complained to the leasing office to no avail. Stood my ground to not pay for ridiculous cost of the damages. Now the company I.Q. Data International , Inc. located in XXXX, WA XXXX wants to collect {$300.00} for a {$100.00} cost and repairs to the apartment. I gave them a call looking to settle at 40 % of the cost but the owner yelled, talked over me and tried to intimidate me over lawyer fees and cost. Please help im looking to pay but this is ridiculous.
Consumer complaint received 2017-05-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CONTOUR MORTGAGE CORPORATION (NC)

I originally applied for a mortgage loan with  Contour M ortgage in  XXXX  o f 2017. I w as prequalified by myself and at the time i did not want to add my husband. I later realized that for the type and size of house we wanted we needed to add both my husband and I on the loan. The lo an officer assured us that if he was added to the loan we could go as " high as we wanted '' ( his words exactly ). W e searched for a home and foun d one a nd asked him for a pre qualification letter on   XXXX   XXXX   , 2017 o f a certain amount on the advise of our realtor. She suggested this be done so the seller would agree to pay closing cost. The loan officer agreed. We contracted on  XXXX   XXXX  , 2017 with  a closing date of  XXXX   XXXX ,  2017 a nd a due diligence date of  XXXX ,  XXXX ,  2017 . We sent the loa n officer ev erything he needed which included     XXXX   XXXX  , bank statements and all disclosures he asked us to sign as soon as he sent them or asked for them. On  XXXX   XXXX     2017 the lo an officer informed us that I could not be on the loan because of a  XXXX  issue. ( after having this looked at by another lender this was showing clear ). The l  oan officer assured us at this time that we could proceed with this loan in just my husbands name.
As the due diligence time approached we did not hear anything from the loan officer so w  e called a day before on  XX/XX/XXXX , to see if everything is ok to close and to confirm that the appraisal was completed. The loan officer assured us everything is fine but no the appraisal has not been completed. The appraisal payment was taken from our account on  XXXX   XXXX ,  2017. It was  ordered an hour after our realtor called to ask about it on  XXXX ,  XXXX ,  2017. As the  closing date was approaching everyone involved including the seller was wondering why underwriting was n't complete. The appraisal still was not back as of  XXXX ,  XXXX ,2017. My realtor called someone in corporate to get a resolution and he confirmed that based on the income and credit report this loan has no problem being approved and assured her that he will do everything he can to speed up the process for a closing asap.     The final decision from underwriting came back on  XXXX   XXXX ,    2017. It  was denied due to insufficient income. This was not relayed to us. we had to call to get a status and that is when we were told that we did n't qualify due to not enough income for the price of the house. We still have not received a formal written denial as of today.
Consumer complaint received 2017-05-21
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: EQUIFAX, INC. (FL)

I hav e 3 cur rent complaints with Equifax. First, they have blocked my credit file from me. I have tried pulling my Equifax report through Equifax  Credit Monitoring, i have  tried through  XXXX  and  XXXX , all for some reason are not able to get my credit report. As far as i know, it is illegal to block access to a consumer 's own credit report. Second, for some reason they decided to delete all the accounts from my credit file to which i am an authorized user. This was never requested and is clearly the credit bureau taking adverse action for their own convenience. Third, i sent them a request to invoke my rights under FCR A 605B to bloc k the reporting of fraudlent accounts. I sent them the FTC letter along with proof of identity and they also seem to have ignored this as well. Equifax has previously been notified of items reporting on my credit file that are fraudulent. They have ignored my request to block the reporting of the fraudulent information. I have provided notification of which accounts are fraudulent, i have advised which credit inquiries are fraudulent. I have sent my identity verification and i have sent the FTC identity theft report to them. I have sent everything i am required to send under the FCRA and i expect full compliance with the FCRA  605b which m andates that credit reporting agencies must block the reporting of the fraudulent accounts. This is the excerpt of the FC RA 605B ( 15 U.S.C. 1681c-2 ) .A consumer reporting agency must ( a ) Block. Except as otherwise provide d in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that  the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.
Consumer complaint received 2017-05-21
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ECMC GROUP, INC. (PA)

I am currently in Chapter  XXXX  Bankruptcy repayment, so I am not required to make payments on my student loan. My loan is serviced by  Educational Credit Management Corporation  ( ecmc.org, ECMC ). I can, however, make voluntary repayments, which I have been doing for a number of months in order to avoid interested being capitalized back into the principal of my loan.     On the  ECMC  website, when you select to make a voluntary payment it tells you how much interest per day is due on your loan account.  One  can not decide to pay one loan or other, a single payment for your account with ECMC must be made. What is not made clear is that this amount is  PER  loan. This is very misleading and led to me not making the correct payment ; I was underpaying by 50 % when I thought I was paying the correct amount to avoid interest capitalization.      One  must look elsewhere on their website ( and really dig to find it ) in order to discover that the amount on the voluntary payment page - where most people are looking for this information so that they can make the right payment - is in fact PER loan, not a total amount for your entire account with ECMC.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally submit a complaint regarding the conduct of XXXX, XXXX, and XXXX in relation to the reporting of a debt allegedly owed to Capital One and handled by a collection agency identified as XXXX 

Details of the Complaint : Unvalidated Debt Reporting : All three credit reporting agencies have reported a collection account associated with Capital One, despite my repeated requests for verification and validation of the debt. I have never signed any contract with Capital One that would establish this debt, yet it continues to appear on my credit report. 

Failure to Provide Documentation : Neither Capital One nor the collection agency, XXXX, has provided any documentation that validates the debt or proves my obligation to it. I have requested this documentation in compliance with my rights under the Fair Credit Reporting Act ( FCRA ), but my requests have been ignored or inadequately addressed. 
Paid Debt Without Validation : Although I have paid off the amount in question to resolve this issue, it is important to note that no contract or valid proof of debt was ever provided. This situation has unfairly impacted my credit report, leading to negative consequences for my financial standing and credit score.

Request for Action : I am requesting that the CFPB review this matter and take appropriate action to ensure : The immediate removal of the collection entry from my credit report by XXXX, XXXX, and XXXX due to their failure to validate the debt. 

An investigation into the practices of Capital One and XXXX concerning their compliance with debt validation requirements. 

Assurance that credit reporting agencies uphold their obligation to report only verifiable and accurate information.

This unresolved issue has caused undue stress and financial hardship, and I trust that the CFPB will address these concerns to uphold consumer rights and promote fair credit reporting practices. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance you can provide.
Consumer complaint received 2017-07-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (TX)

This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.