davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-04
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX | XXXX XX/XX/XXXX Date : XX/XX/XXXX Experian Subject : Incorrect Account Deletion Request CFPB XXXX ID # : XXXX XXXX XXXX # : XXXX Dear Experian, I hereby formally notify you of a dispute regarding the XXXX XXXX XXXX XXXX ( XXXX XXXX account, which has been reported in my credit file under the entity Spectrum. This account must be immediately removed from the credit report under applicable federal and state law. The following are the legal and factual reasons supporting my request : Reasons for Dispute 1. Violation of Debt Validation Process : Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), the collection agency XXXX XXXX was required to cease all debt collection and validation activities until receiving complete verification of the debt, if a request was received within 30 days of receipt of the initial notice. XXXX XXXX to have sent said notice on XX/XX/XXXX and to have received no communication before XX/XX/XXXX. However, this does not justify reporting to Experian without proof of validation. 
2. Lack of Legal Ownership of the Debt : XXXX XXXX has indicated in its response to the CFPB that it is not the owner of the account in question and only acted as an authorized representative of Spectrum. The information reported to Experian was generated without adequate verification by the original creditor, violating the consumer 's right to transparency of information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 
3. Relevance of Florida Credit Law : Under Florida state law, the statute of limitations on debts limits the period during which a debt may be legally pursued. The account in question was returned to XXXX without any additional validation efforts being made and is outside the applicable reporting time frame. 
Request Since XXXX XXXX has confirmed that the account was returned to Spectrum and that it no longer has any right or authority over the account, immediate removal of any mention of this account from my credit report is requested, pursuant to Section 611 of the FCRA ( 15 U.S.C. 1681i ), which provides a consumer 's right to request removal of inaccurate or unverified information. 
Attached is a copy of the correspondence received by XXXX XXXX through the CFPB, confirming that the account has been closed and returned to the creditor.
Consumer complaint received 2024-10-04
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have inquiries on my credit report that I didnt authorized. These inquires are all fraudulent, The Fair Credit Reporting Act ( FCRA ) Section 605B outlines the information needed to dispute fraud on a consumer 's credit file : Proof of the consumer 's identity A copy of an identity theft report Identification of the information in question by the consumer A statement from the consumer that the information is not related to a transaction they made 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
Consumer complaint received 2024-10-04
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX/XXXX/XXXX, I received notification from the XXXX credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XXXX XXXX. I requested for balance loan to be updated with the XXXX credit bureaus and was denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.
Consumer complaint received 2024-10-04
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (UT)

I filled for bankruptcy chapter XXXX case number XXXX back in XXXX of XXXX and the bankruptcy was XXXX in XXXX. I included all of my debts which included a XXXX credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was XXXX and the debt was included in the list of creditors and was added. While I still in the active bankruptcy Calvary portfolio service called to collect on the debt in XXXX XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XXXX, I was reviewing my credit report and Calvary portfolio service is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor XXXX, the report shows that they will keep it on record until XXXX. Account number Calvary has is XXXX, date opened with Calvary XXXX. My phone is XXXX.
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I have another charge on my chase account for XXXX, I have notified chase for over 1 week of fraud activity, they have not stopped any of the charges while they are pending authorizations and then they allow them to be paid, chase is not refunding the charges and I have provided them with details on who is doing the fraud, yet they still havent done anything. I want my refunds today and them to do their job and stop this person from using my card. 

XXXX XXXX XXXX XXXX XXXX. debit {XXXX
Consumer complaint received 2017-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Over the last five years, I have received a lot of misinformation from Navient regarding my loan repayment. Initially, when I would request information about income sensitive repayment or forgiveness they would instead suggest deferment and forbearance. Which added years to my loan and thousands of dollars. Once finally entered into these programs I have been given consistently changing information about my status, sometimes I am told, like when I called in XXXX, that I needed to refinance completely, sometimes I am told I am part of the program, other times the dates of forgiveness are different. I have been told both 20 and 25 years, then after being in the program for 15 months that I do not qualify at all and will need to refinance. 

Much of their staff is from the XXXX and have no experience with American student loans, other times like this past XXXX the person is an American and still give totally inaccurate information. In the end, my student loans are already over twenty years old, the income sensitive and 25 year and 20 year forgiveness programs have existed since XXXX yet time and again staff has discouraged my entrance, telling me my loans where not qualified and once entered in XXXX that I was no longer a participant or was never part of loan forgiveness. This misinformation has kept me from a forgiveness program that I was qualified for all while adding thousands to my repayment.
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

Credence Resource Management, at address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has filed a derogatory collection report about me with credit reporting agencies. They claim that they have tried and failed to collect a debt I owe XXXX XXXX XXXX. 

Fact is, I have not had an account with XXXX XXXX XXXX in over 8 years. I do not owe XXXX XXXX XXXX any money. I have not received a bill or notification of owed debt from XXXX XXXX XXXX. I have not received any letters, emails or any communications from Credence Resource Management about this either. They simply reported this collection to credit reporting agencies, lowering my credit score by nearly XXXX XXXX, without ever contacting me. I believe this is a bullying, strongarm tactic to scam money from me. I am not difficult to reach - I have lived at my current address for over 11 years. I have had the same phone number and email address for nearly 20 years. 

I have tried to challenge this through the credit reporting agencies. It is still showing up on my credit report.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I recently requested copy of my Expeian Credit Report. In reveiwing my credit report I was shocked to see several XXXX accounts on my credit report. In looking over my credit report, I noticed it was about six different accounts. 

With six different account numbers, some were of collections, and some were paid closed.Two were paid closed, and three were in collection status. I am not aware of the accounts reporting with the company XXXX XXXX. I did not give any permission too open any account with this company. 

Therefore, I am not aware how my personal infotmation got tied to these accounts. I have had issues of my personal information being compromised. And been used in several transactions in which I recently requested to freeze on my credit file. 

I request that these accounts be deleted and removed from my credit file. I am not aware if these accounts are repoerting on my other credit files. But, I will request my files from XXXX XXXX, and XXXX. I only currently see these accounts on Experian. 

I went onlne and filed a complaint with the Federal Trade Commisiion, for Identity Theft See uploaded copy of complaint, with all account numbers of accounts..
Consumer complaint received 2017-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (NC)

On XXXX XXXX, I signed up for student loan forgiveness with XXXX XXXX. I did not realise that Equitable Acceptance Corporation was not affiliated with XXXX. XXXX took all of my information, claiming to be a third party dealer to help consolidate my loans and accept small monthly payments down the road to help pay off my loans. This is a scam. According to my research, they take these monthly payments and do not apply them to your student debt. They withdrew an unauthorized transaction yesterday and on XXXX XXXX from my bank account. I receive emails stating this payment and a link to access a login. I have no username or password for this. I have been trying to get a hold of them to cancel my account with them. How convenient for them that my call on hold went to their voicemail. Do not accept any offers from this third party vender. They are very sneaky with this scam!
Consumer complaint received 2024-10-04
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 XXXXXXXX XXXX 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 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 that are reported 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. 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 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (NJ)

On XXXX XXXX, XXXX, my rent check for XXXX was mailed. On XXXX XXXX, XXXX, the " Pay to the Order of '' on the XXXX rent check was altered and cashed at a PNC Bank. On around XXXX XXXX, XXXX, I filed a fraud claim with XXXX Bank. XXXX Bank said I would receive a refund in a few days. It has been 33 days and my refund still has not been issued. After contacting XXXX Bank again, I was told by a supervisor that it could take 90+ days to receive my refund and they could not issue my refund until PNC Bank refunded the money to XXXX Bank XXXX 

XXXX Bank Contacted PNC Bank on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, PNC Bank has not responded to XXXX Bank.
Consumer complaint received 2024-10-03
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. (FL)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. 
Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Personal Information :
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

Hello. I am writing to get help on unfair pratices used with credit and debit card checking accounts via chase bank. I recently authorized a payment in the amount of XXXX to a company called XXXX for credit repair services on XXXX XXXX XXXX, XXXX. I orginally authorized only XXXX} and when I saw the XXXX  charge, I called the representative at XXXX and they explained that they erroneously forgot to mention that an activation fee of XXXX would also be assessed. I saw the charge pending on my checking account via mobile banking on XXXX XXXX XXXX, XXXX. On XXXX XXXX, XXXX the payment was shown as posted and paid. I also used my debit card for other items as well during this time frame. I check my account regularly and noticed that all was well and I had no issues with NSF fees at all. On XXXX XXXX, XXXX my account had a positive balance of XXXX}. My husband sent me a XXXX payment of XXXX. I noticed that the funds later in the day was not shown as available after using my debit card for a purchase of XXXX. When I called Chase bank on XXXX XXXX XXXX, XXXX in the evening the representative stated to wait 24hours up to 3 days for posting since my husband sent from another bank and not Chase. Today on XXXX XXXX, XXXX the very next day, I checked my account and NOW see 3 NSF fee 's assessed and debits previously posted and paid now REVERSED because CHASE bank knew the charge from XXXX in the amount of XXXX had fallen off due to their rules I was told this morning that if a creditor does not accept their payment within 3 to 5 days from the date it was initiated, the payment then falls off and goes back as a credit to the consumer Me. Now, I feel that yesterday evening when XXXX DECIDED to take their payment from XXXX XXXX, XXXX, they should have shown up on my account yes, but as a pending charge for that day 's banking debits and not back to the original date and the bank is WRONG to reverse other debit entries that had already posted and had been paid. I am now being charged XXXX} times 3 XXXX in NSF fees and the initial charge itself from XXXX should be questioned. I asked the bank to restore my account and I was told NO. This is wrong.