davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
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. (CA)

Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX told me their 3 rd party so they shouldnt be listed on my credit report it was XXXX XXXX  that madr claim and they should br listed not XXXX so i contacted XXXX and they have nothing to do with this being listed and XXXX XXXX who just cares about selling mr their product so this remains inaccurate
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (PA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-01-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has served me Alert/amended notice of hearing papers to be in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX on XX/XX/XXXX @ XXXX am in XXXX, NC to foreclose on my home for a debt that has been paid and discharged in my XXXX XXXX bankruptcy back in XX/XX/XXXX. I have asked them to cease and desist, i have disputed the debt and 2 of the credit reporting agencys are showing the accounts closed. Carrington Mortgage Services has even squatted so low to tell XXXX credit agency that I made a payment in XXXX XXXX so they could restart the account as being updated. I have also disputed that lie with XXXX and they have done nothing to fix it. I am permanently XXXX, currently suffering from XXXX XXXX, live XXXX, no family or friends and barely getting by. I am not one who doesn't pay my bills when I owe them. Please help me and have them to please leave me alone. I am not bothering anybody and just want to die in peace, please... .I don't know what else to do at this point. Sincerely, XXXX XXXX.
Consumer complaint received 2022-01-15
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: Convergent Resources, Inc. (FL)

I was looking on my credit Report and I seen a company named Convergent Outsourcing which I never open a account with them nor did I give anyone permission to open this account in my name I first sent numerous letter and never got a respond back. I then called the company direct to find out why they are reporting on my credit report they said that they are reporting on the behalf of XXXX and that they had the wrong address and contact info for me and they mailed a fraud packet to the wrong address I then updated all my contact info and address with them. I received the fraud packet filled it out and sent it back to them over a month went by and they was still reporting on my credit report I then call them back and ask to speak to a manager I then talked to a gentlemen named XXXX or XXXX which he told me the hold up was with XXXX. so I then called XXXX directly and they blame Convergent outsourcing they then sent me to a website XXXX i went to the website and fill it out still nothing i then call back and ask to speak to the same manger and he told me they i was missing the police report and once i send that they would remove it I then sent them the police report and now they are saying the address is connected to a family member the address they have I never lived at I am so frustrated with this whole situation I was in the process to buy a house and this is hindering me I feel like I am getting the short end of the stick why should I pay a higher interest rate for something I did not do I would like this removed from my report.
Consumer complaint received 2022-01-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (AZ)

BMO Harris Bank XXXX XXXX XXXX XXXX XXXX IL XXXX is international doing bank fraud. Intentionally causing late payments. Intentionally causing late fees. Intentionally causing XXXX  scores to be lower. I have XXXX car payments, XXXX different loan providers, mail post office checks to both on same day. XXXX in CA other in IL. CA check clears within 5 days. IL check to BMO Harris just took 32 days to clear. Third time its happened, they harass and call you demanding payment. You authorize electronic payment with late fees. Low and behold within 2 days they magical find the check and apply it to next month. So they can collect interest on essential a double payment.
Consumer complaint received 2022-01-16
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

My CC Capital One charged me about {$600.00} for five items These were XXXX charges on XXXX female products The order was on a XXXX fraud account that was created in my name but not my login or email address and was confirmed by XXXX it is not me. 
I investigated with the tracking numbers and all XXXX confirmed by UPS that were delivered to address and women that were NOT MY HOUSE and signed by women I do not know. 
Capital One will NOT work with me and will not credit me the funds telling me it is my problem and the products were shipped XXXX my address, WHICH THEY WERE NOT! 
I have called six time to talk to Capital One and they push me off and will not take my proof that is was fraud! 
XXXX agrees and UPS agrees that these were not ordered by me or delivered to me. 

See the documents proving delivery to other address and people and what the products were that were ordered. 
XXXX XXXX XXXX Capital One did not take any responsibility or take any time to help resolve this even after I investigated and have proof. I will also try and fill out a police report for local help. But I need Capital One to take the action expected from a financial institution>
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

XXXX put an incorrect address in my XXXX report. My address is XXXX XXXX XXXX XXXX NY XXXX. XXXX put an additional entry that says XXXX XXXX XXXX XXXX XXXX NY. This is an error that a rep put in. The address in XXXX XXXX does not exist. XXXX won't correct and I asked XXXX to put a notation in my file which they did not do. XXXX claims they verified the XXXX XXXX address. I never submitted or showed a document that I lived at XXXX XXXX XXXX XXXX XXXX. Since no document exists XXXX ins in violation of the Patriot Act and I would like to file a complaint.
Consumer complaint received 2022-01-17
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. (CA)

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 2022-01-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (IA)

I Borrowed {$800.00} right before XXXX of 2020. I have paid back at least {$1500.00} they are taking another XXXX out in {$50.00} Increments, which is causing me to have multiple over drafts. I called then last month a they said I only owed arownd XXXX they won't stop stealing my money. I know I made a bad decision going to them, but this is theft at this point.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have previously disputed this account with XXXX and Transunion and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way credit bureaus were able to verify this! I have filed a complaint demanding a deletion for the unverifiable accounts, Here are the accounts that need to be removed : XXXX XXXX Account Number : XXXX and XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-01-16
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. (MO)

XXXX XXXX financial is illegally reaging my credit report in an attempt to keep negative information on my credit report. They are reporting my payment status as 60 days late when this account has been paid in full for over XXXX years i've sent several request to ask that they refrain from this activity yet they're still reporting this misinformation in violation of the FCRA.
Consumer complaint received 2024-10-18
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. (MD)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2022-01-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2022-01-15
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: SYNCHRONY FINANCIAL (WA)

In XXXX I was in a tractor-trailer rollover at work and sustained a XXXX XXXX XXXX! I now see double and am XXXX because of it. Washington state took my XXXX away in fact making me jobless. In XXXX Washington retrained me as an XXXX XXXX XXXX XXXX In XXXX Covid took my job away because no one wanted a XXXX XXXX in their house XXXX XXXX XXXX XXXX! I have pretty much been jobless since. I had to file bankruptcy, when I filed for bankruptcy the companies involved took everything off my credit report, and then when my bankruptcy was final they put it back on my credit report. Now they wont take it off! Both companies are listed in my credit history and included in the bankruptcy so in fact I am getting docked points off my credit score not only for the bankruptcy but also for the two companies involved in the bankruptcy. I have asked them to take it off and they wont! One, is XXXX XXXX XXXX, the other is XXXX Bank! And my problem is that Im getting docked twice for the same thing. one is listed as a bankruptcy and the other two are listed so that they can put dismissed through bankruptcy chapter 7 in my report. So Im getting docked for the XXXX listing the XXXX XXXX  listing and the bankruptcy listing. Is not this like getting punished twice for the same crime?
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NJ)

On XX/XX/2021, I was completely enrolled with University XXXX XXXX XXXX XXXX  for online classes studying cyber security. My enrollment coach was XXXX XXXX XXXX XXXX : XXXX ext. XXXX. When enrolling I made sure I asked her multiple times does the college accepts vouchers from my employer to pay for the college. The response was yes I never encountered problem with your company and our college I help multiple students from your employer and never had an issue. I made sure I asked because I know Im not financially strong to pay on my own or out of pocket. XXXX XXXX it clear that I shouldnt run into any problems when processing my grades so the school received the payment. 
I was advised to apply for financial aid but not for a student loan only grants and I was not approved. 
After completing the first class with excellent grades and processing the payments. My job notified me that the school was not accepting my payments because they did not list my job to accept vouchers only reimbursement which mean I have to pay first out of pocket then I get my money back. And I was told by XXXX I dont have to do that. The payments can be sent directly to the school and I spoke with multiple employees in the financial aid department and they all said they will fix it not to worry. Also I spoke with XXXX XXXX her name is XXXX XXXX, XXXX, XXXX XXXX : XXXX Ext. XXXX Enrollment XXXX Manager, Enrollment Services. I was speaking with her and she kept pushing to have my job pay for the few and my phone was damaged so their was a little delay with my response, but I told her that my employers are not able to pay because the school doesnt accept it and she never responded and two months later I received a call on XX/XX/2021 from CBE group a debt collection agency saying I owe money. I honestly cant remember the amount that I was told but it was XXXX XXXX and some change. 
I was giving incorrect information and the school wasnt trying to help they were just trying to get me enrolled in classes again. Every time I enter the class room the fee just kept going up and no one was nice enough to say lets fix this issue before you start classes again and your fees keep insurance. They all wanted me to join classes. And didnt care about my situation.
Consumer complaint received 2022-01-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 

This is not a refusal to pay, but a notice that this account is disputed. 

Under the laws of the ( State of Iowa ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

The customer service agent on XX/XX/XXXX put down the wrong date for the auto pay which because I am on XXXX XXXX XXXX doesnt mean I will always have the funday by the 73 date on the 10 to ensure I have the fund paid by the date the 10th I wanted to set up the payment by the 1 or 2. The lady lied and said that it can be on the first but that that case. I wouldnt of signed up for it otherwise. Due to expensive medications I am on funds will not always be in my account. The calls can be recorded. This says caused 2 late payments and closed both of my credit cards. They are claiming this is fraud when it was their fault. I told them I am on a limited income.
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Entrata Inc. (TX)

On XX/XX/2021, I vacated the apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I paid the rent IN ADVANCE every month and was never late even with the COVID Pandemic in full swing. I signed my lease in XXXX of 2021 for a one year lease and due to my family purchasing a new home, we had to terminate the lease 3 months earlier than expected and was only able to provide a 30-day notice. We had paid for the full month of XXXX, only to be told we are not receiving any CREDIT for that month and all that money was kept! 
Around mid summer 2021, we were notified new property management called XXXX had taken over. This new property management has been unprofessional, hateful and the overall experience with them was awful! My neighbors had all agreed they were horrible to deal with. 
In XXXX of 2021 I was infected with XXXX and was in the hospital for XXXX  weeks. I work from home, so my business came to a stop during my recovery. The apartment management had elevators for tenants to use and the one closest to us was broken down for several weeks, which made commuting outside the apartment unit very difficult at the time. XXXX XXXX did falsify and altered my signature on an elevator form, releasing them from any liability to the broken elevator. 
My lease agreement that I signed in XXXX, clearly states that if during an early termination of the lease, a Reletting charge of {$1000.00} is required. The XXXX XXXX XXXX is demanding we pay {$4300.00}! There are miscellaneous erroneous, inaccurate and false charges for damage to the apartment unit which under TX Property Code Title 8 Ch 92 Section 4 stated for Normal Wear and Tear is considered normal while occupying the dwelling. We are requesting for XXXX XXXX to reduce these false allegations and erroneous charges against us to the reletting charge of only {$1000.00}. We have filed for XXXX rental assistance through the city of XXXX to assist with this inflated final bill and we are being advised the XXXX XXXX XXXX XXXXefuses to honor the program offered by the city and government.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.