davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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. 


Equifax Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

On or about XX/XX/2019 I lost my Discover Credit card. Someone found it and made charges using it on XX/XX/XXXX & XXXX XXXX. There were 9 charges totaling {$980.00}. I immediately filed a fraud report with Discover. They " investigated '' and denied my fraud claim. I appealed and they sent to me a fraud affidavit that I filled out and signed. We have been going back and forth on this since XXXX. The charges were not made by me or anyone with my knowledge or permission. I wrote to Discover and informed them that these charges will not be paid and that I am filing my complaint with the CFPB. Their response was basically " so what ''. I refuse to pay for charges that do not belong to me, yet I have good credit and want to keep it. Can you please help me with this matter?. Thank you.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My info was use to obtain goods. On top of corona virus I cant survive. Please remove fraudulent accounts from my credit report XXXX XXXX XXXX XX/XX/18. {$1900.00} XXXX XXXX XXXX XXXX XX/XX/18. {$110.00} Remove of my credit report immediately. I am a victim of identity theft.
Consumer complaint received 2020-03-23
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: AMERICAN EXPRESS COMPANY (FL)

Hello, My name is XXXX XXXX XXXX For some reason I did dispute an incorrect credit usage and you guys instead to fix the issue reporting the correct amount on my credit card delete my card from my credit and I do not know why you guys did that? I need the report of my AMEX CARD back to my credit report including TransUnion. 

Please I hope that you guys can help me with this situation my credit decrease 69 points!! Its not fear I have been working so hard on my credit. 

Warm regards,
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

in 2019 there was several thousand dollars in fraud on my credit card. The issues were not resolved and my balance was not corrected until XX/XX/2019. This went on from XX/XX/2019 - XX/XX/2019. I have always been on time and paid. The credit card company gave me a bad report and left me with a past due on my report. After this happened all of my credit cards either closed my account or lowered my limit to {$100.00}. This was hard for me. I have called them numerous times and they keep telling me to dispute it with the credit agencies. I disputed it with them and they said the information is valid. 
I need someone to help me. No one is doing anything about this and I was not late. My account should have been put on hold during this time of fraud. I could not pay during the fraud period because the payments were doubled and the credit card company knew this and I was told I was fine. This late payment should be removed.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TN)

in 2019 there was several thousand dollars in fraud on my credit card. The issues were not resolved and my balance was not corrected until XX/XX/2019. This went on from XX/XX/2019 - XX/XX/2019. I have always been on time and paid. The credit card company gave me a bad report and left me with a past due on my report. After this happened all of my credit cards either closed my account or lowered my limit to {$100.00}. This was hard for me. I have called them numerous times and they keep telling me to dispute it with the credit agencies. I disputed it with them and they said the information is valid. 
I need someone to help me. No one is doing anything about this and I was not late. My account should have been put on hold during this time of fraud. I could not pay during the fraud period because the payments were doubled and the credit card company knew this and I was told I was fine. This late payment should be removed.
Consumer complaint received 2020-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer USA Holdings Inc ( SC.N ), an affiliate of the XXXX   XXXX  XXXX, allowed borrowers to make interest-only monthly payments without explaining that doing so would increase the total cost of the loan. 

I have been harassed by this company they offered interest only payments. I was told I could refinance but XXXX in 6 months here I am 6 years total balance has hardly decreased. 

Ive begged if pleaded to help they dont want to help. Long wait times that end no where. 
I have been paying {$420.00} for 5+Years and the balance doesnt go down. I see there are many lawsuits I need help.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have secure credit card open with XXXX  XXXX 2012, the collection agency reporting the amount that I pay to open the secure credit card, I ask for the last few years, both the bank and the collection agency to send me the contract and both said they don't have it
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BBVA FINANCIAL CORPORATION (UT)

In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) warned credit card companies they must reveal the true  costs of 0 percent promotional offers. Credit card offers that lure in consumers and then hit them with surprise charges are against the law. said CFPB Director XXXX XXXX when issuing the warning. Today, we are putting credit card companies on notice that we expect them to clearly disclose how these promotional offers apply to consumers so that they can make informed choices about their credit card use. 

BBVA is in blatant violation of the Truth in Lending Act enacted XX/XX/XXXX, specifically Reg Z subsection B which requires lenders to disclose as ARR the total cost of borrowing. BBVA has failed to do this. In the disclosure sent to me and on their website it shows zero percent APR and a few lines down in small print discloses a 4 percent transaction fee on balance transfers. Again they show Zero percent APR for balance transfers for 13 months of account opening while also charging a 4 percent transactions fee. Obviously if they charge a transaction fee, it is impossible to have zero percent APR and therefore violates TILA and is illegal violating Reg Z subsection B.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

Someone stole my identity and open up a line of credit with DISCOVER FINANCIAL SERVICES. Discover is giving me a hard time with this account I've been trying to get this removed for almost 4 years now and it is a effecting me very bad.
Consumer complaint received 2020-03-23
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit report, I noticed that there are entries that I believe were included without my written consent. 

According to the FCRA, a consumer reporting agency may not furnish a consumers information to third parties without obtaining prior written consent. I have not provided any written authorization allowing you to obtain or furnish my information, which raises concerns regarding the legitimacy of this data on my report.
Consumer complaint received 2020-03-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX XXXX have failed to validate debts that they have reported to the three major credit bureaus. Yet they have not removed this erroneous, unvalidated debts from my Credit reports. Because of this, there has been highly negative impact to my personal credit report. 

On the XXXX of XXXX I contacted XXXX XXXX through certified mail requesting the following to information in an attempt to validate collection accounts What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : To date this is my second correspondence with PRA and they have yet to respond with anything substantial that validates the debt and allows them to keep reporting erroneous information Accounts reported XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Three ( 3 ) times I notified by email Ms. XXXX XXXX  XXXX the branch manager of the XXXX, New Jersey branch of the Bank of America and her assistance Mr. XXXX XXXX that because of the coronavirus I can not make payment on my car loan from the Bank of America. They have yet to answer. I wrote to the President of the Bank of America in XXXX, North Carolina. He has yet to answer! 

The Internal Revenue Service has extended the tax deadline without late fee or interest from XX/XX/XXXX to XX/XX/XXXX. The Bank of America can XXXX well follow suit with regard to my automobile loan and my debit card and my rewards card! 

We are all in it together as President Trump and Vice-President Pence repeatedly say. This means that the Bank of America in order to be patriotic and American must do as I have repeatedly requested! And it is the humane and honorable thing to do!
Consumer complaint received 2020-03-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Darnel Quick Recovery, Inc. (GA)

On XXXX upon trying to refinance my home the mortgage company advised me that there was a lien against my home from a company by the name of Darnel Recovery, I was in total shock as I have never acknowledged this matter or was served this documentation by the local authorities back from 2007. I called to speak to XXXX XXXX and she stated that I needed to send my id through a email and that the document indeed was me, now the problem I have with this is that My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the Superior and Magistrate Courts in both XXXX and XXXX county where I do not reside at which there was a lien judgement against my home. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail or from any proper authorities.
Consumer complaint received 2020-03-24
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. (OK)

After realizing I had become a victim of identity fraud, I made contact with all three of the major consumer reporting agencies to inform them of this matter. In addition in included several dispute letters and also a copy of an identity theft report. Since reaching out to Experian, they have yet to provide accurate verification and has failed to abide by the Fair Credit Reporting Act. It has been over 60 days and Experian has not blocked or removed the fraudulent account in XXXX XXXX acct # XXXX. I have sent Experian several pieces of documentation including a copy of my driver 's license, social security card, and utility bill with my most up to date current information supporting my claim. Experian has failed to adhere to sections 605b, 609, and 611. It is clear my consumer rights are being violated and continue to be, in addition of my denial of credit due to inaccurate information being reported on Experian 's behalf.
Consumer complaint received 2020-03-23
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: EQUIFAX, INC. (FL)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Last reported XX/XX/XXXX {$210.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 mos ) Account statusOpen XXXX/XXXX Last reported XX/XX/XXXX {$2100.00} Reported balance Credit limit {$1000.00} You're using 217 % of your account 's limit OVERVIEW Credit limit {$1000.00} Minimum monthly payment {$33.00} OpenedXX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$700.00} You're using 0 % of your account 's limit OVERVIEW   Credit limit {$700.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 7 yrs, 8 mos ) XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX ( 8 yrs, 11 mos hese lenders have accessed your credit file : XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX INSTALLMENT Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Tried to lower my interest rate on my Capital One Credit Card and they keep denying me. How am I suppose to pay off this debt during the covid-19 crisis? 

My current interest rate is 26.40 %. Ive been current for the past 9 years with them. Never missed a payment and payed back thousands!
Consumer complaint received 2020-03-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

My car was totaled in 2016, there was a settlement offer made of approximately XXXX, at that time they said they would update my account and my credit report to show the amount they lowered the balance to. This did not happen, I never received the paper work in the mail, nor an email with paper work from them. So, 6 weeks later I call them back and ask whats going on, they told me the settlement offer was voided, and offered me a new one, for XXXX told me to make payments and theyd update my credit account, this never happen, never received anything from them. It now shows up as a repossessed vehicle on my credit when its looked at by other car dealerships and has limited the amount of anything I get financed for, not only that but my interest rates through the roof. This needs to be removed from my credit account. They dont want to hold up their end of the deal stating it would show, and update. This is now going on 4 years!
Consumer complaint received 2020-03-23
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: EQUIFAX, INC. (FL)

ftc The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions. 

XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX