davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MN)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I just had ( 1 ) collection account removed and ( 8 ) student loans removed, and my credit score dropped XXXX points. The information posted on the website is false and misleading. The information on the website says that for every loan paid off or removed from the account is an average of XXXX points per collection account. This is blatantly false. I have now removed a total of ( 15 ) collection accounts, and currently my aggregate score is less than when I began paying off accounts. I submit that the credit reporting agency is engaging in unfair and illegal business practices. The website is not transparent or reliable when complying with stated policy requirements. I just dropped credit score by XXXX points by removing ( 9 ) items from my credit report. Please explain the corrupt and discriminatory business practices.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

I am contacting you regarding a concerning issue with my credit file. I've noticed a collection entry from your agency that I was not previously aware of, and I have serious questions about the accuracy of the claimed debt. Under the Fair Debt Collection Practices Act, I am exercising my right to request debt validation. 

I formally request that you provide the necessary validation and take appropriate steps to address this matter. Please note that a comprehensive response, including all requested items, must be furnished within 15 days of this letter 's date.
Consumer complaint received 2024-08-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NAVY FEDERAL CREDIT UNION (AR)

My Navy Federal prepaid card was stolen, and funds were taken from my account. I filed a dispute with Navy Federal XX/XX/year>. I was charged for express shipping and also charged an additional charge for a replacement card. {$2500.00} was stolen, and immediately after I filed dispute, Navy Federal froze my account. They never shipped my replacement card, and they also closed my account and removed my remaining funds, with no explanation via mail or email.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My accounts 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 to be removed/updated.

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. 

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!
Consumer complaint received 2024-08-05
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: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 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 2024-08-05
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: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 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 the 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Problem : The Autopay feature set in my Wells Fargo ( WF ) checking account to pay the full balance of my WF XXXX XXXX ( XXXX  ) didn't work last month on XX/XX/XXXX and I noticed that the payment had not been done on XX/XX/XXXX then, I setup the full payment of {$4100.00} manually. Anyways, I was assessed a {$29.00} late fee plus {$98.00} in interests. See attached page 1 of the XXXX credit card statement of XX/XX/XXXX. 

I called WF Credit Card division at XXXX yesterday XX/XX/XXXX and I was told that they didn't have anything to do with the setup of Autopay, that that feature is setup by a third-party company called XXXX. I was promised a credit of {$29.00} and {$50.00} toward the {$98.00} in interests charged to my XXXX credit card. The credit card representative told me that I had to talk to XXXX Complaints Department to see what was the problem with the Autopay feature. Today XX/XX/XXXX I spoke to XXXX Complaints at XXXX but they refused to take responsibility and directed me to a WF Customer Service representative who recognized that there were some technical issues with XXXX last month but, since WF is not the one making the charges, they couldn't issue any additional credit. 

I have a demonstrable history all my credit cards balances being paid in full and on time every month. With the XXXX credit card, Autopay would transfer the full amount due on the due date from my checking account into the credit card account, the only payments setup manually were on XX/XX/XXXX after I noticed Autopay had failed in sending the payment and this month 's payment of {$3800.00} setup manually for today because I do not trust Autopay anymore. I'm telling you because the WF Customer Service representative suggested that I never had Autopay based on last month manually setup payment. I'm attaching a screenshot showing how Autopay was setup to issue a payment on XX/XX/XXXX, the due date. Today I removed the Autopay payment and I scheduled it manually for payment today. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (NE)

My mortgage was sold to PHH Mortgage from XXXX XXXX XXXX and Im trying to cancel my escrow account. My XXXX on this conventional loan is about 76 %. XXXX says they cant do it because theyre not servicing my loan anymore and PHH Mortgage says they require an escrow account to be established for 12 months before closing the account. PHH mortgage is violating my original loan agreement that doesnt state any limitations on closing an escrow account.
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (MI)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-31
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. (SC)

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 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 the 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-08-16
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)

I am writing to dispute the accuracy of the late payments reported on my credit report related to the XXXX XXXX XXXX account. This information is inaccurate, and I am requesting that it be removed from my credit file immediately. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account type : Time Share I contacted you to dispute the incorrect information regarding the late payments on my XXXX XXXX XXXX account. Under the following laws, I am requesting that a thorough investigation be conducted and my credit report be corrected : 1. **15 USC 1666 ( b ) - Fair Credit Billing Act ( FCBA ) : ** This law requires credit bureaus to properly investigate any disputes related to billing errors, including incorrectly reported payments. 

2. **15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) - Fair Credit Reporting Act ( FCRA ) : ** Under this law, you are required to conduct a reasonable investigation when the accuracy of the reported information is questioned.

3. **15 USC 1681i - Reinvestigation of Information in Credit Reports : ** This specific provision of the FCRA requires you to reinvestigate any information that I, as a consumer, dispute as inaccurate or incomplete.

4. **15 USC 1692e - Fair Debt Collection Practices Act ( FDCPA ) : ** This law prohibits the presentation of false, misleading, or incorrect information in connection with the collection of debts. 

I request that you carefully review the reported information and provide clear and verifiable evidence of the accuracy of these late payments. If you are unable to provide such evidence, the late payments should be removed from my credit report immediately. 

I have attached copies of relevant documents that support my request for correction, including [ Describe any attached documents, such as account statements, letters from XXXX XXXX XXXX, etc. ]. 

Please notify me in writing of the results of your investigation and provide me with an updated copy of my credit report reflecting the requested corrections. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute.
Consumer complaint received 2016-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ability Recovery Services, LLC (NC)

ABILITY RECOVERY SERVICES, GAVE INFORMATION TO MY SISTER FAILED TO TALK TO THE OWNER OF THE ACCOUNT AND ALSO THEY ARE CHARGING ME FULL PRICE FOR A SCHOOL I DIDNT EVEN FINISH BECAUSE I HAD BECAME XXXX AND DIDNT HAVE THE XTRA FUNDS TO FINISH THE SCHOOL AND I HAVE PROOF THAT I BECAME XXXX
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (IL)

I called navy Federal about the actions that were happening with there process of how this over draft works I contacted the credit union talk to a representative that rolled back one fee and the other fees were charged in the same manner. After asking for a supervisor the supervisor changed the whole synopsis of the account to put it where it made sense of how the fees were generated but not how you persistent occur fees on an account even when you replaced the money and not only has that action been done more than once they even have it on the account them selves stating they gave me a refund saying they charged me even though I had funds in the account. They also said take the money in whole so you won't get a fee but they want you to use the card for the benefit of the credit union
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC. (NY)

I opened my account on or about XX/XX/XXXX under a promotion for {$400.00}. I met the promotional terms and the promotional funds were due XX/XX/XXXX. They still have not been credited to my account.