davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My account with those creditors 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. 


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 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (UT)

We have checking, savings, and credit card accounts with Wells Fargo and have been a customer for 15 years. This month my wife made an error when paying our credit card bill from our checking account by putting an extra zero in the bill pay. Thus, instead of transferring {$1400.00}, it transferred {$14000.00} from our checking to our credit card. We didn't catch the error until the bill pay posted on XX/XX/2023. I contacted Wells Fargo immediately to attempt to rectify the error. I was told that the bill pay had to post first, then the unused balance would be returned to our checking account within 5 business days. After a week the funds had still not been returned to our checking account so I called customer service again on XX/XX/2023. I was told that because the transfer was large ( although at the time large was not defined for me ) it would take 30 days for this to be cleared. That is unacceptable. I was sent up a level at customer service and I requested that the bill pay transaction be reversed in its entirety. I was told that this would occur within 48 hours. 48 hours later the funds had not yet been returned to our checking account. I called again and was transferred up two levels in customer service. This person informed me that for transactions over {$2000.00} it would take 30 days, that there was nothing that could be done to hasten the review and transaction and that Wells Fargo would do nothing to make me whole in the short term. I'm sure all of this is in the fine print of our credit card agreement. Because all of this is internal in Wells Fargo Bank, they have the ability to correct the error overnight if they would choose to do so.
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I, consumer, am a natural person who regularly extends, renews, or continues credit and who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See Equal Credit Opportunity Act ( ECOA ).

I have a secured right to privacy and confidentiality that was breached by the furnisher without consumer consent in violation of Florida Statute 540.08. 

No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness. 

Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ).

Furnisher has conspired with third parties companies d/b/a consumer reporting agencies disclosing personal information without consent in breach of trust despite FDCPA cease communication notice.

XXXX XXXX continues to furnish deceptive reports without consumer consent to third parties and fails to remedy violation. After several calls to cease reporting, XXXX XXXX filed a cease and desist notice against consumer alleging harrassment for exercising consumer right of privacy as trespass by XXXX XXXX.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was XXXX XXXX. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was XXXX XXXX. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-07-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation (TX)

World finance Corp is inaccurately reporting on my credit, this account is reflecting open which is impossible because the account is charged off as well as the date of last activity is reporting different on transunion and XXXX. The date of last activity is imperative to credit reporting because it directly affects how long an adverse account will be reported on your credit. I disputed this account and it came back as reported accurate. This creditor is in violation of federal and state laws and I will follow up my complaint with the Texas consumer credit commissioner and the Texas attorney General.
Consumer complaint received 2015-10-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (AL)

After filing a dispute with my debit card, PNC bank issued a provisional credit on my checking account. Without proper notification, PNC bank reversed the provisional credit, which resulted in an overdraft on my account. Due to not be notified in a proper manner, my account suffered numerous fees. When I brought this issue to attention of PNC Bank, the branch manager told me they would make sure that any outstanding debits would be paid. This has not happened. Not only was I not properly notified, my account suffered an overdraft, and debit have not been paid as a result.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (ND)

I had fraud on my American Express Credit Card and I cleared it with them on XXXX XXXX, 2015 with a confirmation number and was told they would take care of it and cancel my card. Fraud person had changed my address from XXXX XXXX XXXX, XXXX, XXXX XXXX twice. On XX/XX/2015 to XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/2015 to XXXX XXXX XXXX, XXXX, XXXX XXXX and charged over {$9000.00} to my account with the names of the places that charges were made. I paid the XXXX charges that were mine with XXXX XXXX after I was told by my local banker of the charges on my card. Five months later I am receiving calls on my IPHONE, office phone and home phone from XXXX with a recording. I have talked to those people and they said they had no recollection of my XXXX XXXX, 2015 conversation. I have copies that I had American Express send me of the bills and that is where we saw that the fraud had changed my original address where I have lived for 18 years in XXXX to a XXXX address. XXXX calls my office phone of XXXX every day at least 10 times. I have not activated the new card American Express sent me since I am very concerned about fraud and will never activate it after being harassed by them or whoever is calling. XXXX XXXX XXXX
Consumer complaint received 2015-09-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (NJ)

I had XXXX HELC loans with XXXX XXXX that were sold to PNC Bank XXXX account XXXX was coming up for renewal XX/XX/XXXX, XX/XX/XXXX I received an offer to convert XXXX to a 30 Year Fixed rate at the rate of 4.74,. which I did and started making the new payments as of XX/XX/XXXX. The other XXXX loan ending in XXXX which was coming due XX/XX/XXXX I was not offered the same program, when I questioned PNC, I was told verbally that my payment history was not sufficient, never late and I am the same borrower that PNC converted the other HELO loan to a 30 year fixed. I was told that I could apply for a modification or refinance. Modification was out of the question, I have excellent credit and in PNC paperwork they state that a modification may effect my credit. I got my new payment for XXXX due XX/XX/XXXX {$960.00} ( {$540.00} ) more than my old payment, 20 year ammorization @ 6 % interest. I was not disclosed as to a rate or term prior to my receiving a bill. I asked at the branch and I was told that I received letters in regards to my payments, I did, but never what my rate was going to be, never what the treasury bill that determine the rate was, just here is the amount, pay it. I feel that I was not properly disclosed, I had requested by email and in a verbal conversation for PNC to sent me copies of the last XXXX disclosures they sent me. To resolve this I am requesting that PNC give me the same terms on the XXXX loan that they gave me on the XXXX loan. Thanking you in advance, XXXX XXXX
Consumer complaint received 2016-03-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAVALRY INVESTMENTS, LLC (FL)

Cavalry Portfolio Services, LLC. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from XXXX XXXX XXXX that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from XXXX. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted both which I could n't do. I had to rent a car to go to work which I am in sales and have to travel to clients homes. I had to take the money out of my retirement 401K. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. XXXX had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet.
Consumer complaint received 2016-11-15
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Midwest Recovery Systems (CA)

while checking credit report I noticed a COLLECTION account from Midwest Recovery when I called them they said I had a PAYDAY loan in XXXX Original creditor Current Creditor : XXXX, now its under XXXX ALL SCAM FOLKS,, First never had XXXX from any of these folks, Second, its over XXXX XXXX XXXX XXXX of limitations,, third If I did which I did not,, No Calls, No Mails, no nothing! if I was that late! Fourth the only way I found out was when I saw XXXX on my Credit report as a account in collections on XXXX and was forced to call these folks,, I claimed fraud not mine etc now I have to go get a police report on ID THEFT and fax it to XXXX so I can get this off my report! Oh they will send the report to the so called creditors that I never dealt with to fix this discrepancy,, DOESNT XXXX check this so called creditors? these XXXX creditors are blasted by every state agency and XXXX as Scam folks,, How do they get away with contacting XXXX and say yea 5 years ago this was a loan we gave him,, go get the money,,, XXXX cant even tell me the loan amount original, ( BECAUSE THEIR ISNT ANY!!! ) THEN XXXX PUTS IN ON MY REPORT and DROPS ME XXXX points!! WHY COULDNT XXXX call me first or said mail to the house PRIOR TO the Credit report,, is this the tactic they use to get folks to contact them???
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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. (WI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (TX)

I was informed that I was being sued by a company by way of checking my public record, which I do often to ensure its accurate. I believe it may be from an old debt but I am not 100 % certain. I am now in the process of also working on getting a validation letter.
Consumer complaint received 2016-05-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (CA)

I took out a loan with Spotloan.com for {$300.00} I thought that {$50.00} was the payment each month and it turn out that they wanted {$91.00} instead I was upset and I called them and I refuse to pay back {$700.00}. They are now taking me to court and I told them I am willing to pay back the original {$300.00} in payment and they want to take me to court.
Consumer complaint received 2015-05-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

I have previously settled an account with Midland Credit Management in 2014. Of note midland is not the original owner. After speaking with the original creditor it was agreed that the tradeline would be removed from all of my credit reports. I was instructed via letter from the original creditor " We initiated the process of removing the tradeline from your credit history. However, any derogatory reporting of this account by any other lender will need to be addressed directly with the other lender.If you need to provide evidence of the requested change prior to the credit reporting agencies ability to update please provide a copy of this letter '' I relayed this information to Midland Credit Management and they refused to remove their report from my credit reports. It should also be of note that despite the account being settled Midland Credit Management continues to list the account as open on my credit report. It is disheartening to know that an account that has already been deleted by the original creditor is still being reported by Midland Credit Management. 

Midland also is reporting inaccurately across all of the credit bureaus. Information with regards to date of first delinquency, date of account settlement, and status of the account. 

I submitted a complaint to the business consumer alliance. They have attempted XXXX to get into contact with Midland Credit Management. Midland credit refused to respond to the the complaint. The complaint ID is listed below as a point of reference. 
Complaint ID : XXXX
Consumer complaint received 2017-03-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

IQ Data purchased debt from XXXX XXXX XXXX and reported to all credit bureau with incorrect amount of {$130.00}. After I disputed the debt, IQData updated the amount to {$220.00} which is incorrect. I paid a portion of the debt that was not in DISPUTE with XXXX. According to emails and XXXX database the amount in question is {$110.00}. I was recently informed that I am a member in a Class Action against XXXX ( XXXX ). I believe that IQ Data and XXXX are acting in a malicious, retaliatory and fraudulent action to damage my credit. I attempted to resolve the disputed amount in XX/XX/2015, with BBB XXXX would not respond and BBB closed file with " F '' rating. I have NEVER received proof of debt from IQ Data even though requested in my credit bureau dispute.
Consumer complaint received 2024-11-19
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. (OH)

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to all bureau for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.