davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 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 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. ''
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (TN)

I received a letter on XXXX XXXX, 2015 from XXXX XXXX to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. XXXX responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, ERC, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, ERC has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; XXXX day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.
Consumer complaint received 2015-10-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NV)

Opened business account with Wells Fargo XXXX XXXX branch 4 years ago. 
The account was open with XXXX individuals on this account as owners. 
We explained to the bank that we had a partnership and presented our partnershippaper work to them for general information. We also told them this account belonged to only XXXX individuals in that partnership. 

After having this account for four years we noticed that an atm card was withdrawing funds from our account over the last couple of months withoutour permission. 
We notified the bank and froze the account and made inquires concerning who was drawing funds. 
They told us it was XXXX of the XXXX partners in the partnership who was not suppose to be on the account. The bank also explained that these partners were on the account from the very opening of the account. 
We told the bank to provide us with the original paper work which would have onlytwo signatures and all the information regarding true ownership. 
The manger could n't find it nor could the executive office. 
I requested a written letter from both the manager at XXXX XXXX as well as the executive office regarding how I could acquire policy information on how initialrecords are maintained and how can account owners get them. 
I also asked if it was a policy that individuals can go on account without signturesor knowledge of primary owner. 
They had no answers and they would not supply me with anything in writing regarding bank policy. 
I told the bankers that my main purpose was to find out how to clarify this situation and to retrieve all funds that were taken without our permission. 
Again they said they could not provide me with anything I requested.
Consumer complaint received 2015-12-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC (TN)

I purchased a vehicle from XXXX. Byrider/CNAC Finanace about a year ago. Nine months into the loan, I had a major problem with the vehicle and it was determined that the entire engine had to be replaced. This car had previously been a flood vehicle ( which was never disclosed to me upon purchase ). I returned the car to them and informed them that I no longer want it. The remaining balance of the loan has become a major point of dispute. Since I have explained to them that they will not be receiving any further payments from me, they have harassed myself and my family ( whose numbers they have from my references when I originally purchased the vehicle ) to the extent of upwards 12 calls a day without leaving a message. My biggest problem that I just realized is that they have also been checking my credit score every month for the last three months for the sole purpose to only damage my credit with multiple inquiries. They have absolutely no reason to need to run my credit. I need the harassment to stop.
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

this is the second time i have contacted you. FIa was asked by me when they closed my accounts due to BUSINESS decision to eat my balances. i claled today to check was told to call a XXXX XXXX number that just asked me for my money that is not what i asked. so no letter or call to date has resolved it. i feel i should NOt have to pay the remaining balance due to how they treated me and closed my accounts. i will not endure any other adverse impact either to my credit.
Consumer complaint received 2015-10-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am receiving XXXX calls a day from Someone named XXXX XXXX. 
The number calling is XXXXThe calls happen up until XXXX XXXX. It happens 7 days a week. 
A message is never left. I have left word to leave a message or stopcalling. Have left multiple cease/desist requests to no avail. The levelof harassment in obscene. I have logged over 80 calls in a week. AndI have no idea what it is about. I only know it is Toyota from caller ID. 
Have notified them that the number is blocked -- does not stop them.
Consumer complaint received 2015-07-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NV)

On XXXX XXXX, 2013 I purchased property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, herein referred to as " Property ''. I provided lawful funds to pay for purchase, recorded deed and payed Transfer Taxes to the county. Approximately 2 weeks after recordation of ownership, I received a letter sent to the " Property '' addressed to my husband " XXXX XXXX XXXX '' the recorded owner. Within the letter was a " Notice of Default '' claiming the previous homeowners had defaulted on the mortgage previously held on the " Property ''. The notice stated the holders of Mortgage Debt was " XXXX XXXX and XXXX XXXX ''. The Trustee was listed as First American XXXX, herein referred to as " FATSS ''. I contacted the number listed on the notice and was asked to proved proof of ownership by scanning a copy of my deed and emailing it to them. I did and received an email back from a woman claiming to be a manager named " XXXX XXXX '' herein referred to as " XXXX ''. XXXX explain how she felt I purchased my home " subject to '' the mortgage held on the property. She further claimed I could pay them. After months of back and forth, and obtaining a restraining order barring the sale of the property, FATSS sold the property at auction to " XXXX '' who they purported was the lender. Within the documents provided as authority to sell, there is fraud by deceit ; robo-signers signing as employees of a company they are neither employeed at nor paid. Any mortgage seeking to record XXXX XXXX as either Benificiary or Nominee will have fraud by deceit, forgery and robosigning by virtue of design. XXXX XXXX has no employees to assign or sign for assignments. Any assignment claiming to be XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX or MERS ( XXXX ) is fraudulent on its own. Any Servicer, Trustee, Benificiary, Lender or Mortgagee seeking to use a document signed by an employee of either XXXX is acting in connection with fraud and Criminal Organization. 

I have attached XXXX slideshows. I can print them for better viewing and mail them if necessary. 
How XXXX XXXX is a XXXX and will always contain fraud XXXXForeclosure documents with pointers showing fraudXXXX 
XXXX
Consumer complaint received 2016-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NJ)

In the last copy of my credit report from Equifax ( Confirmation # XXXX, dated XXXX XXXX, XXXX ), Equifax continues to falsify my identity while hiding and protecting the source of the false birthdate it entered into my file. 

Throughout XXXX, and earlier, I filed numerous CFPB complaints against Equifax 's wanton, deliberate falsification of my identity, to no avail. Sometime in the last year or two, it changed my birthdate in its credit file for me and refuses to correct it, while it will not divulge why it inserted the false birthdate into my file or what the source of it is. 

I have no way, short of suing it, to protect myself against Equifax 's active and malicious falsification of my identity and its persistent collusion with traffickers in false information that threatens my identity, all so that they can profit illegally from my private, personal information while causing me great harm. I should not be put in the position of having to hire an attorney to protect myself from this despicable company and its undeterred, perpetual injuries.
Consumer complaint received 2015-12-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

Dear XXXX ; In receipt of today 's conversation with the representative and point of contact from the Wells Fargo Home Mortgage Executive Resolution Team, XXXX XXXX. It has become crystal clear to me that not only are the representatives stalling for time and are also un-knowledgeable concerning my account. I was given a scope of reasoning for which there were XXXX escrow analyses performed within a three month period, without my consent. Additionally inquiring about the unapplied funds from the deposits I personally made. XXXX for {$490.00}, {$820.00} and {$1100.00}, which have not been applied and gaining interest by Wells Fargo. The reason I know this is due to the fact that I have now begun to receive correspondence from the NC Foreclosure Prevention Fund and State Home Foreclosure Project / case # XXXX. XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX XXXX. When inquiring to XXXX XXXX as to why I started to receive this correspondence and if the deposits I made had been applied, his reply was that he had no knowledge. One of the reasons one is appointed a point of contact and working on this issue since XXXX 2015, is to gain a scope as to why this is occurring. It is appalling to continue to be forced to have an outside agency look into these matters, when this organization ( Wells Fargo Home Mortgage ), is supposed to be of assistance in these matters. I have personally walked into the branches of Wells Fargo and made all of my payments over the counter and in person, I 'm also familiar with the branch managers. They have also had to hear of my frustration with the XXXX branches. Additionally when making these payments, it is my understanding that Wells Fargo Bank , N.A . are directly linked to Wells Fargo Home Mortgage, in making and receiving payments. So I ask the question, why are my payments not being directly applied to my accounts. I herby request a full audit of my records and payments and also request a point of contact that is fully knowledgeable with the payments and banking institution of the XXXX. I also requested all payments posted, as I have all of my bank deposits and records available.
Consumer complaint received 2016-02-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management (FL)

This company refuses to work with me to find out if this is my debt. I have zero knowledge of this debt and have never received a bill only to find it on my credit report. They claimed to receive this in XX/XX/XXXX and started reporting it on my credit report 3 years later and then XX/XX/XXXX report a late payment by myself. I do NOT have a payment agreement with them. I have been trying to contact XXXX XXXX XXXX that they say this came from and there is n't any phone numbers for them. Fox Collection REFUSES to give me a phone number for XXXX XXXX XXXX as I never received a bill for them and have no idea what this possibly could be for. One person from Fox said to try the XXXX area for a phone number and I never found XXXX in the XXXX area either. They have my social security number, my birthday and an old address of mine and that scares me because that means someone may have stolen my identity. I want to get to the bottom of this IMMEDIATELY and I want this removed from my credit report ASAP as well as the false reporting of a late payment as well. I am going to you because TransUnion told me this is the next step.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

Dear Consumer Financial Protection Bureau ( CFPB ) Representatives, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX This is a duplicate - please remove this item from my report. - I was never late on this account. REMOVE THIS NOW! ( XXXX XXXX  for failing to comply with their obligations under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) regarding the reinvestigation of a late payment on my account. 

I previously requested that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX remove a late payment that was incorrectly reported on my credit history. However, despite providing the necessary documentation and making the appropriate requests, the entity has not conducted a proper reinvestigation nor corrected the inaccurate information. 

According to 15 USC 1666 ( b ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX required to adopt reasonable procedures to ensure the accuracy of statements and to correct any errors within a reasonable timeframe. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), information in my credit report should not contain transactions or experiences that negatively impact my credit history without proper verification. 

Therefore, I request the CFPB 's intervention to investigate this non-compliance and take the necessary actions to correct the inaccurate information in my credit report. This situation is negatively affecting my ability to access financial products and other essential services. 

Thank you for your attention to this complaint, and I look forward to a prompt resolution.
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had payment arrangements to bring my credit card account current. I spoke to several representatives and was given different payment options. All of the correspondence is documented. I was told on XXXX XXXX, 2015 to make a payment of {$110.00} by XXXX XXXX, 2015. I was then told on XXXX XXXX, 2015 via Capital One 's message center to make a payment of {$120.00} by XXXX XXXX, 2015. I had already sent a payment of {$110.00} on XXXX XXXX, 2015, so I planned to sent the difference by XXXX XXXX, 2015. I then noticed that my account was closed on XXXX XXXX, 2015. When I inquired about the closure, I was told that because my account 120 days past due, it was closed. I told them about the correspondence with different representatives and how I was NEVER told that my account was going to be closed even though I made the required payments. I was told my payments would bring the account CURRENT and my card would STILL BE OPEN AND ACTIVE.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My account with XXXX 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 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 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