davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
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. (GA)

I paid XXXX  XXXX for a past due bill in the amount of {$400.00}. I paid them in 2015 IN FULL. This was not part of a bankruptcy and yet XXXX XXXX  is still reporting this as a charge off. I have spoken with XXXX XXXX several times and have faxed them copies of the front and back of the check to prove it was cashed by them and they have done nothing. 

I finally filed a dispute with experian, XXXX, and XXXX. XXXX and XXXX   removed it immediately, yet experian will only go off of what XXXX XXXX is telling them. 

I am so frustrated and don't know what to do. I have worked very hard to improve my credit and reputation and am getting no where with this one little charge of {$400.00}. I have a copy of the check. 

I would like the charge off to be removed and for this to be shown as paid. 

Thank you so much!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

These are inaccurate accts on my credit report Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2019-06-12
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. (FL)

In 2013 I was notified that my social security number, drivers license and credit card information was compromised in a data breach. I notified the police and followed the security suggestion. I pulled my credit report a few weeks ago only to find out their are accounts on my credit report that does not belong to me.
Consumer complaint received 2019-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: J J Marshall & Associates, Inc (MI)

My daughter has been going to preschool from more than an year in the XXXX XXXX of XXXX XXXX. we used to pay XXXX $ in cash to the school every month. My daughter started to get sick from XX/XX/2018 onwards due to some XXXX XXXXXXXX. we stopped her from going to school for almost 2 weeks. After that she got recovered a bit and then we started to send her to school. Again in next month she struggled with the same issue and we stopped the school for over a month. we asked School head ( a lady ) to stop the school for winter since she is not feeling well due to winter. But she convinced us telling that she has to come so that she will get some immunity. The situation continued she was running on antibiotics for over a month we are very frustrated and sad with her situation and then we changed the school sometime in XXXX. Until XXXX we paid all the fees and don't owe anything to the school. 

After this we started getting calls from her telling that we owe one month notice and has to pay one month school fees again. I told her and sent her email that this was happened. she threatened me that she will contact debt collection agency if we didn't pay. i said it is because of her we struggled a lot with my daughter 's health. 

Once i got a doubt and i went and i checked the conditions of the school in XXXX. I realized she is not following the XXXX rules and each teacher was given more than 10 children to take care of and the premises are also not clean. The bathrooms are not clean and kids will easily get sick in those conditions. The air conditioning is not clean and is full of dust which pumps it to the kids play area. 
I hope they realized it at least now. 

Now the debt collection agency come and tries to send a collection notice. They don't even know what happened and struggle we went through with the school environment. 
Now they opened a debt collection account on my name and it is now affecting my credit score. This is all happening because of a greedy and corrupt school head teacher.She thinks of school as a business and is playing with the health of many kids especially in winter. The kids does not even have good play area indoors to play during winter. She is still arrogant and uses unnecessary word in the phone call. 

The CFPB should have some enquiry done on this School. The school name is XXXX XXXX XXXX XXXX XXXX. First she don't provides invoices regarding the school fees. I don't know that until i move to a good school where they maintain accurate records. Whenever i pay the fees in cash she used to smile at me and take the money in cash with out hesitating. She does not follow the rules and also might be skimming a lot of money. 

Please beware these kind of schools and greedy school owners.
Consumer complaint received 2024-09-03
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

I am a co-borrower on a new vehicle purchase loan financed by Santander Consumer USA. Monthly payment for auto loan is {$550.00}, and I have been paying this amount monthly since signing of the financing contract on XX/XX/XXXX. I was involved in a motor vehicle collision on XX/XX/XXXX. My vehicle suffered substantial damages and was towed to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX filed Notice of Pending Lien Sale with Department of Motor Vehicles Lien Sale Unit.  Documents produced by Santander indicate that notice of lien sale was received by clerk # 1 on XX/XX/XXXX and clerk # 5 on XX/XX/XXXX. However, Santander failed to take action, and the subject vehicle was sold at an auction. Santander is clearly at fault for allowing the subject vehicle to be sold. I am no longer able to drive the vehicle but have been continually making the {$550.00} monthly payments, because Santander agreed to cease and desist from further collection activities, but has been refusing to stop reporting delinquency to credit bureaus, despite the fact that I am no longer able to drive the subject vehicle. Also, Santander is insisting that it still holds the right to enforce the contract in which I am obligated to make payments on the vehicle, although the vehicle has been sold due to Santander 's fault, and I do not have a vehicle to drive. My counsel of record contacted Santander and spoke with XXXX XXXX ( Santander Consumer USA Specialized Services Evening Manager ). He stated that he will inquire with Executive Department to request deleting of my automobile financing account so that Santander will no longer report any delinquencies to the credit bureaus. Also, he stated that I will receive a response within approximately 48 hours. My counsel sent an email confirming the details of conversation, and requested delivery and read receipt. XXXX XXXX sent read read receipt on XX/XX/XXXX at XXXX XXXX. Then, on XX/XX/XXXX, my counsel of record sent another email following up regarding Santander 's decision. XXXX XXXX did not send any read receipt in response to this email to date. Today is XX/XX/XXXX, and it is XXXX XXXX. I was expecting an updated response, but Santander is being non responsive. Also XXXX promised to forward the all correspondence to Santander Legal Department. I have not received any read receipts, updates, or any type of acknowledgement or response since XX/XX/XXXX.
Consumer complaint received 2019-07-22
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. (FL)

XXXX, Experian, and XXXX has a collection on my credit report that is not mine and they refuse to remove it. They are in violation of the ( FCRA ) Account not mine : XXXX XXXX XXXX ; Not Mine XXXX XXXX XXXX ; Not Mine
Consumer complaint received 2024-09-04
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 this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (GA)

We were required to purchase PMI at ten time we got our mortgage in XX/XX/XXXX. At that time our home appraised for {$270000.00}. The current principal balance on our home is {$200000.00}. As we understand, PMI should have been removed automatically when the LTV reached 78 % of the original appraised value. After noticing that the bank did not remove our PMI, even after the principal fell below 210,000, we filled out the banks request form to remove the PMI and emailed it as instructed on XX/XX/XXXX. We have received no response. 

We have never missed or been late on a single payment.
Consumer complaint received 2019-07-19
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. (NC)

Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported from various creditors. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete so I pulled my report on XX/XX/XXXX to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act. Please see my dispute letter which is attached to this dispute that details the errors and compare that to what the credit report is now saying. I am demanding the accounts in question which are both XXXX/XXXX accounts XXXX/XXXX account number # XXXX and # XXXX, XXXX XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX XXXX   account number XXXX be deleted from my TransUnion credit. I have included an XXXX   credit report from XXXX the file from XXXX is corrupted but this file will work for purposes of this dispute. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-03
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. (TX)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX  ) # XXXX, Account name : XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX, Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  ) # XXXX, Account name XXXX XXXX # XXXX XXXX Account name : Bank of XXXX # XXXX Account name : Upgrade XXXX # XXXX All have violated my rights .

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, also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MN)

Late the night of XX/XX/19, my bank texted me an alert of potentially fraudulent credit card charges made to XXXX. I replied to the text that it was indeed a fraudulent charge attempt. I spoke with the bank fraud team early the morning of XX/XX/19. During this conversation I became aware of completed fraudulent charges made to Experian credit reporting for {$1.00} and {$5.00} ( my bank has since reversed these charges ). The bank fraud team recommended that I request a credit report freeze, and that I obtain a personal copy of my credit report. I attempted to call Experian several times to freeze my credit report and report the fraud, only to get an automated number that wanted me to input my SSN. I was not able to talk with a live person, and still have not been able to do so. I was able to talk to with a live person at XXXX, and freeze my credit report through them. On XX/XX/19 I attempted to obtain my credit report from Experian online. I created an initial account, but was unable to log in to request the report using the password and user name I had just created. It said an account was already created for my personal information, and sent a password reminder to a fraudulent email similar to my actual email ( same user nameXXXX ). It appears that in addition to the fraudulent charges for unknown and unauthorized services, a fraudulent Experian account was created with my personal information.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I tried to open a savings account with a credit union but was blocked due to a Chex Systems charge-off from XXXX XXXX XXXX saying I owe {$140.00}. I have never had an account with XXXX XXXX XXXX. In the past few years up till XXXX, I have had multiple credit checks without this issue being flagged. I have had first-time homeowner counseling with a HUD-approved non-profit in early XXXX and this issue was never flagged. 

In the past month, XXXX XXXX bought out XXXX XXXX, which my parents had an account with in the past but their account was closed in XX/XX/2014 and they paid any balance owed. I have never had an XXXX XXXX account. XXXX XXXX XX/XX/XXXXis claiming a balance on an account that never existed and is not giving me documentation saying that I do not owe them the amount.
Consumer complaint received 2024-09-03
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. (LA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My husband and I are in the midst of applying for a mortgage w/ XXXX XXXX. We have no outstanding disputes w/ Capital One and three are showing up despite the accounts being paid in full, having zero balances, two being closed, and one being open. Capital One is telling me there are NO ACTIVE DISPUTES, so there is nothing to remove. When asked for a letter stating that, they told me ( XXXX - agent # XXXX ) that they can not furnish something saying that. It is not an option. 

These three disputes are causing huge problems in the underwriting process. We now run the risk of not getting the mortgage and ultimately being homeless because we have to move out of our apartment. 

XXXX XXXX is where the info is showing up - and I do not see these active disputes on my main three reporting agencies ( XXXX, XXXX and XXXX  ). How can I get them removed/updated? 

I am desperate right now.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery received a 93A Demand notice from me XX/XX/2019 ( attached for your records ). In response they agreed to remove their illegal collection listing from my credit bureaus in XX/XX/2019. Proof attached. They have re-added the account to my credit bureaus in violation of the FCRA and FDCPA. I have contacted them repeatedly regarding this issue in writing via certified mail. They refuse to reply or remove their listing. Under both federal and state law they are required to remove this listing.
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (AZ)

i see below charges on my account. some of them were fraud. I reported those and amex paid me back. But i see one charge that was paid back. what was that? could amex provide me exact transaction and order number for that XXXX order? 

also they should explain - why they dont have any way to submit email complaints? dont they value our time and expect us to call them? Other banks allow private messages but amex doesnt. 

XXXX2019 XXXX SHOP WITH POINTS CREDIT - {$35.00} XXXX SHOP WITH POINTS CREDIT XXXX2019 XXXX SHOP WITH POINTS CREDIT - {$32.00} XXXX SHOP WITH POINTS CREDIT XXXX2019 XXXX SHOP WITH POINTS CREDIT - {$25.00} XXXX - XXXX, WA XXXX2019 XXXX - XXXX, WA - {$0.00} XXXX - XXXX, WA XXXX2019 XXXX - XXXX, WA - {$0.00} XXXX - XXXX, WA XXXX2019 XXXX - XXXX, WA {$35.00} XXXX SHOP WITH POINTS XXXX2019 XXXX SHOP WITH POINTS {$25.00} XXXX SHOP WITH POINTS XXXX2019 XXXX SHOP WITH POINTS {$32.00} XXXX SHOP WITH POINTS XXXX2019 XXXX SHOP WITH POINTS {$35.00} AUTOPAY PAYMENT - THANK YOU XXXX2019 AUTOPAY PAYMENT - THANK YOU - {$34.00}
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (AL)

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.