davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
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: EQUIFAX, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had with XXXX. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that XXXX reported negatively against my credit report, which, given my payment history, I believe to be erroneous. 

To further complicate matters, XXXX delayed in closing my lease account by a month, even after I had settled the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by XXXX has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial. 

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history. 

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with TRANSUNION 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 ( 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. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

Ally Financial holds the note for a vehicle I purchased last year. The vehicle was totaled in XX/XX/2022. Ive filed the necessary paperwork for the gap insurance and furnished all documents and followed all procedures to have the gap insurance cover the remainder of the note. Its been 5 months of calling Ally Financial and they claim the account is pending and theyre processing the gap claim but that I need to keep paying on the totaled vehicle. I dont have the money to keep paying on the totaled vehicle I had to purchase another vehicle. My credit score has dropped XXXX points and Im no longer eligible for loans or borrowing standards.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Ive contacted XXXX numerous of times took the proper steps to get the all resolved and they keep updating my profile as remaining These inquiries should not be on my profile as they were made due to fraudulent Creditor XXXX  Inquiry Date XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXX XXXX XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX XXXX XXXX * CompanyXXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX  XXXX XXXX XXXX * DateXXXX XXXX XXXX XXXX * CompanyXXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXXXXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX  XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * XX/XX/XXXX * CompanyXXXX XXXX * XX/XX/XXXX * CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX XXXX CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXXXXXX XXXX XXXX * DateXXXX XXXX, XXXX XXXX CompanyXXXX  XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXXL * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXXXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX  * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX. 
* DateXXXX XXXX, XXXX * CompanyXXXX XXXXXXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXXXXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX  XXXX * DateXXXX XXXX, XXXX * CompanyXXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXXXXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX
Consumer complaint received 2023-05-14
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/2023, I discovered at least {$650.00} in fraudulent transactions on my PayPal account, all from XXXX merchants, XXXX and XXXX. I rarely use PayPal anymore because I have had thousands of dollars stolen from me in this due to fraudulent XXXX charges for purchases " in-game. '' They have never refunded me a dollar of money from XXXX. I was shocked to receive {$460.00} in provisional credit from them. PayPal was not the only XXXX of my financial institutions where there was fraud. It was spread across every credit and debit card I owned starting in XX/XX/2023. I received a phone call last week from Paypal or a Paypal collection agency trying to collect a " debt '' of {$170.00} that I owed on my account. I was reasonably shocked since all of my fraudulent charges came via my PayPal debit card, and I had not even received a new card until XXXX and a XXXX weeks ago. I have not involved Paypal in any financial dealings since the massive fraud was committed. I went online and found that of the {$460.00} in provisional credit I was given, they had " reversed '' the refund of {$200.00}. No reason was given, and there is no way to appeal. I have attached a page showing that PayPal states " Refund Reversal '' and an amount. No other information, including the transaction date, company name, etc., is listed. After doing independent research, I realized all these charges were from XXXX. More alarming is that they still have XXXX XXXX cases OPEN, for which I was given provisional credit of {$250.00}. 
I have a funny feeling things are not going my way. Upon checking every dispute, I found {$55.00} ( all XXXX fraud ) that were summarily dismissed as " authorized transactions. '' I never received any credit for these items. I have received permanent acclaim for {$130.00}. {$82.00} of that amount comes from XXXX, where all transactions were taken to be fraudulent. Another {$48.00} comes from XXXX. Every claim, except for XXXX, is for amounts under {$4.00}. Strangely, many days are in common between the XXXX items that were dismissed, those initially given credit and then found to be authorized, and the outstanding matters. 
For example, on XX/XX/2023, an XXXX charge for {$2.00} was found unauthorized and refunded. And on XX/XX/2023, another XXXX charge for {$4.00} was similarly refunded. On XX/XX/2023, another fraudulent XXXX claim for {$16.00} was first reimbursed and then reversed on XX/XX/2023. Notice anything funny about this transaction besides, oh, maybe the amount of money in dispute. Also, all summarily dismissed claims happened on XX/XX/2023, and XX/XX/2023. I'm not sure how one can dismiss claims the day before and the day of my reporting of fraud. I have attached examples of the different types of emails received.
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Technology, Inc. (GA)

A request for verification was sent to XXXX XXXX XXXX on XXXX XXXX, XXXX which was received on XXXX XXXX, XXXX. Although there was proof that my request had been received, 30 days have passed and I have yet to receive a response. I also contacted XXXX XXXX XXXX via telephone at XXXX and spoke with XXXX at which time I was told that no one could tell me why I had not received any of the documentation that was requested although they do show in their system that the request was received on the date stated above. On the 34th day, I informed XXXX XXXX XXXX via telephone that they were in violation of the Fair Credit Reporting Act by not providing me with verification or documentation verifying the account. Therefore, I requested that they stop negatively reporting to all three credit bureaus AND remove the account from each of my credit files. Per the norm, I received no response to my request. Attached are the Verification Request letter, Tracking info
Consumer complaint received 2023-05-13
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NY)

Navy Federal Credit Union has failed to protect me against fraudulent activity.I lost my debit card and there were several irregular charges made on my debit card and when brought to NFCU attention they declined to protect me against fraud. I was told by a representative in order to prove the spending wasn't done by me I'd have to " prove her wrong '' she told me to go and contact each bank and get video footage and receipts ( transactions were out of my occurrent state ) and submit them to navy federal credit union to get my funds back. When asked what investigation was conducted to make their decision she told me she did not have to provide me with that information. 
Navy Federals and their customer service agent conduct and behavior is unacceptable. I have never been treated with such little respect in my life. Their blatant disregard for clients livelihood and financial assets is disgusting!!
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (GA)

Grain XXXXechnology stopped reporting my account and generating statements when I started to pay down the balance. I had an outstanding balance of {$810.00} as of the last generated statement in XX/XX/2023. I paid {$300.00} on XX/XX/2023. I paid an additional {$510.00} on XX/XX/2023. A statement has not been generated since XXXX which I find odd since after that statement I started to pay down. I reached out to grain via support email, since they do not have direct access to someone via phone, and XXXX XXXX ( Grain Technology Customer Support ) stated on XX/XX/2023, that my account would be reported as paid off to XXXX and the status would update to Account Paid in Full- Charge Off. Well, I have not seen the update, disputed the information with XXXX and XXXX on XX/XX/2023, and today, my disputes were marked as a complete and the results stated that Grain has verified that my account is still past due with a balance of {$810.00}. I have been very unsuccessful at contacting someone to speak to them on the phone. This is unethical as I have done the right thing on my end by paying what I owe in full. I can log in to the account and see a XXXX balance, however I can't supply the CRAs with a statement as part of my disputes since Grain Technology has not generated one for me since XX/XX/2023. They claim it is because the account was in a charge off status, but they have reported at least the last year to the CRA every month, although the account was in a charge-off status then. I think Grain Technology is being highly unethical right now and is intentionally not updating my information with the credit reporting bureaus.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, 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. (PA)

On XX/XX/XXXX, I pulled a copy of my credit report after the XXXX data breach and noticed inquiries on my account that I did not authorize. I called XXXX, XXXX, and Experian and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.
Consumer complaint received 2017-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ECMC GROUP, INC. (CA)

In XXXX XXXX I filed for a Ability to benefit discharge request with XXXX for my 2 federal student loans. fast forward to XXXX XXXX XXXX XXXX i received the FIRST communication about the request and that my 2 loans are now in default. ECMC ( the guarantor ) of my two loans paid XXXX off without my knowledge and put them into default. My loans have NEVER been late or missed payments. ( always have had an income based repay plan of {$0.00} per month or deferments ) When i received the letter from ECMC all i received was a notice of default. Nothing about my ability to benefit discharge request. I immediately got in contact with their Ombudsman who i spoke with in XXXX XXXX, XXXX and she told me i was sent a " borrower statement of intent '' and a denial letter in XXXX XXXX ( which i never received ) this Borrower form is supposedly crucial to the process of the discharge requests and since mine was denied, i have to either ask for a dept of ed appeal or acknowledge my loans within 30 days of this letter. This information was not received nor was it sent out with any sort of certified mail ( Why would you send something so important without tracking? ) The ombudsman sent me my file, told me to fill out that borrower form and return it to her as soon as possible ( which i did -- sent back to her on XXXX XXXX XXXX ) I asked for the Dept of Ed appeal. The form also specifically states if your appeal is denied your loans will be returned to their original active repay status and refer back to the lender ( which ECMC has refused to do/did not do ) I have a full paper trail proving the status of my loans prior to ECMC 's error ( they were not in late pay status or anything ) Now i have TWO collection accounts listed on my credit, has dropped over 100pts and cost us a home purchase. Dealing with ECMC is near impossible, they want money or nothing. I should not have to pay for their error. I want my loans put back to their status and back with the servicer and not as a collection account. I have tried going through the federal level ombudsman, i have tried going through the credit bureaus since they are reporting incorrect information. I refuse to try to " rehab '' my loans becuz they were never at the point of being close to Defaulted.
I am including a copy of the Borrower form, highlighting the paragraph. copies of my statements from XXXX showing i was on an Income based repay plan until XXXXXXXX XXXX XXXX ( amount per month is {$0.00} ) also an approval for a deferment until XXXXXXXX XXXX
Consumer complaint received 2017-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I opened a checking account on XXXX XXXX, XXXX. The account requires a daily average balance of at least {$10000.00} in order to remain fee free. In addition, I registered for a promotion whereby if I maintained a balance of at least {$10000.00} until the end of XXXX XXXX, I would get a {$350.00} bonus. I made a transfer into the new account of {$10000.00} which posted to the account on XXXX XXXX. As you can imagine, it takes a few days to get online access and to link an external bank account and transfer the funds. I logged into the account a couple months later XXXX XXXX XXXX XXXX to see I had been being charged a {$21.00} account fee for the past several months. I tried to chat with the Webster Bank team via secure messages on their online banking, to no avail. They insist that the first statement period was XXXX XXXX, XXXX - XXXX XXXX, XXXX and since the deposit posted XXXX XXXX, the average daily balance was slightly less than the required {$10000.00}. They will not refund all of the service charges to make me whole. In addition, they are not honoring the bonus which I signed up for even though it is clear I intended and made best efforts to fund the account, as you can see it was funded within a week. I will attached copies of all statements to this complaint.