davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated [ XX/XX/XXXX ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my mortgage account [ XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. And also the lack of response to a letter that was sent to creditor the account, which was not answered. 

In my credit report I can see that in : [ XXXX / XXXX ] [ XXXX/ XXXX ] it reflects that I had late payments of ( 60 ) days which is not true, in the same way I refer to the month of [ XXXX XXXX ] in no way I had a late payment of ( 180 ) days. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney 's fees, and possible punitive damages, for failure to comply with the Act 's requirements. 

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA. 

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : [ 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 ]
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I applied for a credit card transfer with XXXX XXXX XXXX and was denied with incorrect information! I contacted XXXX XXXX XXXX about this matter and the representative told me that I had to file a dispute! But I contacted Experian to ask them to file a dispute. They told me that the Bank knows that they have to take care of this matter themselves and that their Experian representative will be contacting them. As a consumer I have a right to protect my credit report especially when there are inconsistencies on it! Also, I contacted XXXX XXXX XXXX once again about the issue today XX/XX/XXXX and was told that incorrect information would not affect the decision! How can a consumer protect their credit report? Or the Banks are not held accountable for reporting incorrect information? This impacts my credit report greatly! Does the consumer not have any rights! It seems like the banks and big businesses have all the control and rights over the small consumers! They have the control over dedicating montenary value! In other words, who gets what, how much and preventing others from acquiring personal property etc. and affecting their life styles! Not fair!
Consumer complaint received 2018-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX is sideing with a XXXX XXXX XXXX. And another company to charge an amount it's not the right one or a contract that I was never in. I made a complaint about 3 companies that are taking advantage of me in the original complaint I ask for signed contracts but they did provide one the other company is claiming that I owe money for a different amount but again there aren't any prove of annual contracts or any other papers there is a claimed for emergency services of the local hospital but I have two insurance that takes care about any medical balance but again XXXX is sideing with this company but there provide any papers signed I believe thi is fraud helped by XXXX
Consumer complaint received 2018-04-09
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. (IL)

I HAVE REPEATEDLY TRIED WITH ALL THREE CREDIT REPORTING BUREAUS AND MY STUDENT LOAN SERVICER TO CORRECT INACCURATE PAYMENT INFORMATION THAT IS SHOWING ON MY CREDIT REPORTS, MULTIPLE TIMES TO NO AVAIL. ARE THESE COMPANIES OUT OF THE SCOPE OF THE LAW? REPORTED INFORMATION ON CONSUMER CREDIT REPORTS HAS TO BE 100 PERCENT ACCURATE AND TRUE. I HAVE DOCUMENTATION SHOWING MY STUDENT LOANS ACCOUNTS WERE IN FORBEARANCE DURING THE TIME THAT IS SHOWING LATE PAYMENTS.

ON THE OTHER HAND THE GENERAL PAYMENT HISTORY INFORMATION THAT IS REPORTED IS NOT EVEN CORRECT OR ACCURATE INCLUDING THE ERRONEOUS LATE PAYMENT INFORMATION. THE PAYMENT HISTORY GOES FROM ONE MONTH BEING CURRENT TO THE NEXT MONTH BEING 90 DAYS LATE. HOW IS THAT POSSIBLE IF ALL INFORMATION IS SUPPOSED TO BE ACCURATE. NO ACCOUNT CAN GO FROM BEING CURRENT ONE MONTH AND THEN 90 DAYS LATE THE VERY NEXT MONTH. IT ALSO HAS MANY MONTHS THAT THEY DID NOT REPORT ANY INFORMATION, AGAIN HOW CAN THAT BE POSSIBLE? THAT DOES NOT MAKE ANY LOGICAL SENSE IN ANY FORM. I AM REQUESTING MY ACCOUNTS BE THOROUGHLY REVIEWED AND UPDATED WITH FULL PAYMENT HISTORY AND ALL LATE PAYMENTS BE REMOVED AS I WAS NEVER LATE ON THESE ACCOUNTS.
Consumer complaint received 2018-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NC)

A number called my phone several times and finally after no Voicemails I called it back. After a long pause a call center type person came on said Credence Resource Management ( was calling from XXXX ) in a foreign voice. I stated I had no idea who they were and I felt they had a wrong number. They then asked if I was xxx ( who is my daughter ). My daughter is XXXX with no bad debt - only student loan and one credit card so I said why are you trying to reach my daughter and how did you get my number? He said its a personal matter. I said well this is my daughter you are referencing and I want to know how you got my number. He said I will take you off list and hung up on me. No idea why they were calling at all.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I am in a debt settlement program that negotiates lower amounts with creditors to settle the debt owed. One of my debts is with XXXXXXXX XXXX. The debt settlement company had been trying to negotiate a settlement with XXXX, when I was served with papers that I had been sued and had to appear at the Magistrates office on XX/XX/XXXX. I notified the debt settlement company who reached out to XXXX to try and work something out before i had to go to court. The morning of the hearing, i was contacted by the settlement company who had reached a settlement with XXXX. We accepted the terms, which was a settlement of {$3900.00}, first payment in XXXX of {$570.00} and it will be paid off by XX/XX/XXXX. 

I was told to still show up for the hearing, which I did. The attorney for XXXX, was late by an hour and the judgment ruled in my favor. I sat down with the attorney and explained that we had already had come to a settlement which her firm did not tell her. I gave her all the specifics. 

A week later I received a letter in the mail from the Attorney 's office for XXXX Weltman, Weinberg & Reis with the terms of the negotiation and the acceptance of the settlement. 

In XXXX, i received a phone call from Weltman, Weinberg & Reis, calling to discuss payment of my debt in full. I had told them that my debt settlement company had already negotiated a settlement with them and XXXX, that we were making monthly payments. He had told me he couldn't talk to me anymore since i was working with a debt settlement company and had asked me to have them call him, which i did and they did. 

XX/XX/XXXX, i received a notice in the mail that Weltman Weinberg and Reis were appealing the Magistrate 's judgment XX/XX/XXXX, I received 2 large envelopes in the mail one from the court and one from Weltman, Weinberg and Reis, that they were suing me for the full amount and that i had 20 days to answer to the complaint, otherwise a default judgement would be filed against me. 

I filed my answer and new matter on XX/XX/XXXX, well within the 20 days, the court scheduled a hearing date for XXXX XXXX, XXXX, which by then the debt will be paid in full. 

Today XXXX, i received in the mail from Weltman, Weinberg and Reis a letter dated XX/XX/XXXX telling me that I am in default because i have filed to enter a written appearance personally or by an attorney and file in writing with the court my defense or objections to the claims set forth against me, That i have 10 days or a judgment will be entered against me and i will lose my property and my rights. 

This is beyond harassment. They settled with me and they are getting their payments, why sue me and go back on our written settlement. Also, they know i have a been working with a company who has a legal counsel who has been assisting me so they are not to be contacting me directly. This company has caused me nothing but anxiety and grief.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-05
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)

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX ] for my credit card to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, auto loan, and/or mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important matter.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue with credit bureaus regarding the removal of inaccurate bankruptcy information from my credit report. Also presenting copies of identification documentation such as Drivers License with current address, utility bill with current address, and ssn card. Despite my repeated attempts to address this matter since XXXX directly with XXXX, Experian, and XXXX, they have failed to take appropriate action. 

For your reference, my personal information is as follows : - Full Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date of Birth : XXXX - The specific bankruptcy listing in question is associated with the file number XXXX. 

Under 15 USC 1681 section of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must have permissible purposes for obtaining and reporting consumer information. I question who provided these agencies with permission to include a bankruptcy filing on my credit report. According to documentation I received from the U.S. Bankruptcy Court, they do not report data to credit reporting agencies. 

Furthermore, I received a letter from XXXX XXXX XXXX stating that they have filed a dispute on my behalf, but neither XXXX nor I have received any response from the credit bureaus. This lack of response is concerning and further demonstrates the failure of the credit reporting agencies to address this issue promptly. 

This inaccurate information has negatively impacted my creditworthiness and has caused significant distress. I have repeatedly requested the removal of this erroneous bankruptcy entry, yet the credit reporting agencies have failed to comply. 

I respectfully request the CFPB 's assistance in investigating this matter and ensuring the immediate removal of the inaccurate bankruptcy listing from my credit report. I also seek clarification on the permissible purposes under which the credit reporting agencies included this information and demand accountability for the persistent inaccuracy. 

Enclosed are copies of my correspondence with the credit reporting agencies, the documentation from the U.S. Bankruptcy Court, and the letter from XXXX XXXX XXXX. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

PayPal is holding my money for my non profit, PayPal has no way to contact them to do customer service. PayPal has blocked my money for my non profit football team and is making it so I can not pay for my kids uniforms. When I try to verify my account PayPal will not let me. I have tried to contact PayPal and you can not get a representative on The phone like how I could before. PayPal needs to stop holding my money up because it looks like a scam to me.
Consumer complaint received 2024-08-05
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. (MI)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

I received letter First Point Collections Resource XXXX XXXX, 2017. Attempting go collect a debt for XXXX. First I never received any correspondence from XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission court or competent jurisdiction, a debt collector may not communicate with a consumer in collection of any debt. I havent given either company the above written consent to contact me in collection of any alleged debt. Further more my name is XXXX XXXX the company has XXXX XXXX XXXX. I have no known relationship with these companies, First Point Collections or XXXX and I am un aware on how they may have obtained my information without my knowledge or consent. I have sent a letter disputing the validity of this alleged debt.
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (AZ)

I Received notice that I got a collection from RPM for a XXXX XXXX account I had that I paid in full when I closed. I had a balance of {$290.00} for my last month of usage and for unreturned equipment. When I received the bill I paid in full and got a confirmation number # XXXX for the amount {$290.00}. then last week I saw a collection for the same amount from RPM. I immediately called RPM and informed them that I had already taken care of the balance, looked through my bank statement and they said that if I provided the confirmation number of when I paid it they would remove the collection. I called and spoke to XXXX and he declined said that XXXX XXXX had to remove the collection, I called XXXX XXXX and made sure that I had no balance with them verified the confirmation number and RPM still declined in removing the collection. I explained to them that this was an account that should of never been in collections and they said they are unable to do anything. I have no negative information on my credit report and this is the first negative account that appeared due to an error. 
Account # XXXX, payment Confirmation # XXXX {$290.00}
Consumer complaint received 2018-01-25
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: N.A.R., Inc. (TX)

I have disputed this account in which NAR is reporting on my credit report. This account does not belong to me. I never opened this account. I disputed this account as well with all three credit bureaus. I requested that they validate this account and verify it, I was sent back information saying the account was verified and updated. I called NAR on today XX/XX/XXXX and asked them again to validate the account or I would file a complaint and sue them because this inaccurate information is affecting my credit negatively. I was told by the representative that all they have is an itemized statement and I in turn told her that doesn't validate or verify the accuracy of the information that they are reporting on my credit report. The representative told me that it was up to me to prove it wasn't my account and I adamantly told her that the company is reporting and they by law have to proove it's actually my account and if they couldn't verify it then they had better remove it from my credit immediately and I was informed that they couldn't do that. So, at this point I am asking for assistance in having this inaccurate and fraudulent information that they can't validate removed from my credit report. Thank You my name is XXXX XXXX my social is XXXX my date of birth XX/XX/XXXX the account is Account # XXXX amount in collection XXXX debt collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX