davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
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)

XX/XX/year> Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with CAPITAL XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for account # XXXX with XXXX XXXXXXXX. These reported late payments are erroneous and do not accurately reflect my payment history, as I have consistently made timely payments through autopay. 

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report is incorrect. My account was fully paid on time, and I was enrolled in autopay for consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting of late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness and payment history.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions allow for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 

Summary of Errors on Account The XXXX XXXXXXXX account shows discrepancies across bureaus, including incorrect XXXX late payments in XXXX for TransUnion, XXXX and XXXX, despite on-time payments. High balance varies, with {$300.00} reported by TransUnion and XXXX, but {$500.00} by XXXX. Dates of " Last Activity '' and " Reported '' also differ, and XXXX lists the account as " closed by credit grantor, '' while others show it as " paid. '' These errors misrepresent the accounts history and status. 

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-11-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc. (WA)

On XX/XX/XXXX, I went to a local credit union to apply for a home improvement loan. They pulled up my credit report and informed me that I had an uncollected debt from XXXX of XXXX that had not been paid XXXX XXXX XXXX XXXX Hospital in XXXX XXXX, California. 

I found an old paid bill from the emergency room at XXXX XXXX 's and called them. The bill was paid in full on XXXX. They transferred me to the main hospital ( which has since been sold to XXXX Hospital ) they found my record and informed me that they had tried calling me and sending me bills in XXXX. The numbers they had on file, were not my phone numbers ( one was a California area code ) and the address they had on file was an address in XXXX. They had apparently, turned over to Designer Receivables in XXXX. I called the collection agency to discuss the bill and find out why I hadn't been notified. They told me that the original bill was for well over {$4000.00} and the 4 years of interested amounted to over {$2000.00}. The address they had on file for me was the address of a rental home I used to own in California but never used as a mailing address because I never lived there. They admitted that all correspondence had been returned to them. I asked how it came to be that the emergency room at XXXX XXXX 's had my correct and current address, but the hospital did not. They had no answer. Until this week, I had no idea I owed XXXX XXXX 's anything. I have several bills from them in my file that are all paid. I did not realize I owed the hospital anything. 

Design Receivables ( the collection agency ) informed me that if I paid the entire bill including interest, they would take it off the credit report as if it had never been turned over to them. If I paid the total less interest, they would take the debt off the report, but the history would remain. They told me that the offer was only good that day. I argued with the operator and her supervisor, but they did not budge, saying that I should have known. I felt I had no option but to pay the entire amount. I paid that amount on XX/XX/XXXX. Almost {$7000.00}. 

I feel cheated, scammed and frankly livid about the entire transaction and phone call. I was never contacted by the hospital or the collection agency and both agencies verified this for me. Both agencies admitted that they could not get ahold of me, but every other doctor and medical provider was able to ( including the emergency room at the hospital ) I have paid bills from several providers that I can produce and I can also verify that the providers told me that they attempted to reach with ( using incorrect information - that I did not provide ) The hospital submitted my information to my insurance company ( XXXX ) and received payment from them. How in the world could they never get my contact information from XXXX or the emergency room department. This had gravely affected my credit, my reputation and my emotional state.
Consumer complaint received 2019-09-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi I'm not sure if it's too late to ask for help but back in 2012, I lost my condo in XXXX XXXX that I had for 19 years to a wrongful fforecloser! I was under a loan modification at the time that it happened and I done everything that they had asked me to and submitted everything that they asked me to and they still foreclosed on me! Then when the lawsuit happened with the five banks that were foreclosing on people I was part of that and I ended up getting I think {$1300.00} or something close to that! I still didn't get my condo back! And ever since me and my boys have been homeless and living in hotels because it messed up my credit so bad and it just devastated me mentally and I went out on stress leave and then I lost my job! So I'm not sure if there's anything that you guys can do to help me this many years later but if there is I would so appreciate any and all help! this foreclosure devastated my whole family and I had XXXX young boys at the time and now they are grown but my youngest has been in and out of jail ever since struggling with XXXX XXXX and XXXX   and I know a lot of it stemmed from losing the condo so thank you for your time and hopefully for your help have a good night
Consumer complaint received 2018-11-07
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. (FL)

I pulled a copy of my credit report on XX/XX/2018, I saw that experian was reporting my account for XXXX XXXX acct # XXXX. They were listing the account with a balance even though the account was paid in full. They also listed the accounts with late payments and I had the account on auto pay so the payments were send out on time directly from my bank to the loan holders bank. I notified XXXX XXXX about the discrepancies and they told me that being that the account was closed that they would no longer be reporting my info to the credit reporting agencies and that the best they could do was send me a letter stating that the account was paid in full and that the account was never late. I received that letter from XXXX XXXX via email and us mail and I submitted all the information including a copy of the letter to experian. They sent me an update copy of my report a few weeks later with the an updated credit report updating my status to closed but not updating the late payments. On XX/XX/2018 I called experian and spoke to a credit specialist and I asked him about the dispute and why my late payments were still on my account after submitting proof from the bank that the account was not late. He stated to me that in their error they only verified that the account balance was paid off and it had a XXXX balance, but that they did not investigate with the bank the late payments. That is in total violation of section 609 of the FCRA.

They never investigated my dispute within the 30 day period and allowed this information to remain on my report, therefore hurting my ability to obtain credit.

They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have requested corrections to my personal information with this bureau twice, each time they refuse to correct it and send me an inadequate response in an effort to avoid correcting the information. I see this as a direct violation of my rights under the Fair Credit Act. See attached information below.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have written to both XXXX and Equifax credit agencies to challenge the reporting and compliance of an open account that is reporting under a incomplete account number ( XXXX ). There are ( 2 ) accounts reported by XXXX XXXX with the same partial account number and the information that is reported is misleading. 

More specifically, I am referencing the fact that the information XXXX XXXX is reporting to both my XXXX andEquifax files has an incomplete account name, an incomplete account number, an incorrect account type, inaccurate account balance, missing field description of terms, missing filed high balance, missing filed comments, incorrect past due balance dates reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. 

As per section 609 of the Fair Credit Reporting Act the CRA is required to report the entire account number and a 100 % accurate account information. Please remove this inaccurately reporting account from my ( 3 ) credit bureau files.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SLM CORPORATION (AZ)

XXXX XXXX is reporting incorrect information to lenders, such as derogatory public record or collection filed, too few accounts currently paid as agreed. 

In truth,100 % of my accounts are paid as agreed, no missed payments, no derogatory public record or collection accounts. 

Lender XXXX XXXX has denied my application for a student loan because of the information that is falsely reported by XXXX.
Consumer complaint received 2018-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (NY)

The letters sent went to addresses that I no longer lived at. Both of these addresses had permanent forwarding addresses. 

This leads me to believe that these letters were never sent. I did not get proper notice before these loans went into default.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Equifax allowed a business that I was disputing to change the address on my credit report. I found this out because I requested a copy of the dispute and they said I had to send in two forms of ID through the mail. I refuse to do this because it is their XXXX up and they broke the law by allowing someone else besides me to validate and/or change my address. They also allowed this company to validate a fraudulent account that even if by some strange coincidence they were able to legally validate a fraudulent account it was still a breach of contract because I never agreed with the parent company to sell my personal information to another company.
Consumer complaint received 2018-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have never done business with XXXX XXXX XXXX. I do not have a signed contract with XXXX XXXX XXXX. I am not liable for any debt as it relates to XXXX XXXX XXXX. I have asked that XXXX XXXX XXXX validate the debt in which the claim I owe several times. XXXX XXXX XXXX only produces alleged billing statements. Billing statements are NOT validation of debt. If XXXX XXXX XXXX can not produce a written contract where I agreed to do business with them why have they been allowed to place a negative trade onto my credit report? By continuing to report inaccurate and unverifiable derogatory accounts XXXX XXXX XXXX is in violation of FRCA regulations with fines starting at {$1000.00}. I am a litigious individual and I am hoping that Midland can remove both unverifiable trades from my credit reports without having to go to court. XXXX XXXX XXXX has had ample opportunity to provide a substantial debt validation. This is my last time requesting a proper debt validation. If one can not be produced XXXX XXXX XXXX must remove both derogatory accounts from my credit reports at once. It is not sufice to produce alleged billing statements. XXXX XXXX XXXX needs to show proof, a signed contract with my signature, or remove both accounts from my credit. XXXX XXXX XXXX has been sued several times for trying to collect debt past the statue of limitations and without having complete and full validation of debt. It is NOT SUFFICE to simply respond and say that Midland will mark the accounts as consumer disputes. XXXX XXXX XXXX does NOT have permission to contact me by email, phone, or us postal. All communication must be done through this CFPB portal.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XXXXXXXX XXXX XXXX rejected my automatic electronic payment from my XXXXXXXX XXXX Checking account. XXXXXXXX XXXX XXXX then reported my account as delinquent and as a late payment for the month of XX/XX/2018, and also for the month of XX/XX/2018 to various credit bureaus ( XXXX, XXXX, and Transunion ). I filed a complaint XXXX-XXXX with the Consumer Financial Protection Bureau on XX/XX/2018. XXXX XXXX XXXX responded to complaint XXXX-XXXX on XX/XX/2018. In their Response XXXX XXXX XXXX admits fault and states that they have issued corrections to the Credit Reporting Agencies. All 3 credit bureaus received corrected information on XX/XX/2018. I have attached a copy of this letter for your reference. On or about XX/XX/2018 XXXX XXXX XXXX did furnish to Transunion information that was, by their own admission, incorrect. A Dispute was submitted to Transunion that Transunion claims to have verified with XXXX XXXX XXXX that their reporting of a late payment for the month of XX/XX/2018 is Accurate. The very same information that XXXX XXXX XXXX in its response to the CFPB Complaint did state that they would remedy and update as a result of their error is now being reported to Transunion as accurate. XXXX XXXX XXXX has altered its records available to me as a consumer that does not reflect a rejected/error payment, however, reflects no payment at. I believe that this reporting is a willful violation of 15 U.S. Code 1681 ( The Fair Credit Reporting Act ), and it is my hope that the CFPB investigate it as such.
Consumer complaint received 2018-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I requested, in writing, with all 3 credit reporting companies and directly with portfolio recovery concerning a debt listed on my credit reports. I asked on two separate occasions for the debt to be validated and verified. All I have been sent is statements..no signatures, nothing from the original creditor giving the collector permission to collect, no documents showing any attempt to actually validate this debt is correct. 

In addition the 3 credit reporting agencies have not sent me, per my request, information as to HOW they verified the debts. 

XXXX is the most eggregious of the violators. They have stated that they " verified '' the account, yet they list the original creditor as Portofolio Recovery Associates rather than XXXX XXXX as the documents suggest. There clearly has been no effort on the part of the CRA 's to actually protect my rights and verify that all the information is 100 % accurate and being reported correctly. 

I have attached the documents they sent me, as well as my requests that I made and the specific things I asked for and the case law supporting my requests.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Trans Union is reporting incorrect information to lenders, such as derogatory public record or collection filed, too few accounts currently paid as agreed. 

In truth,100 % of my accounts are paid as agreed, no missed payments, no derogatory public record or collection accounts. 

Lender XXXX XXXX has denied my application for a student loan because of the information that is falsely reported by Transunion.
Consumer complaint received 2018-11-08
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. (NY)

I received my annual credit report online from Experian. I was able to look at it on Wed. XXXX XXXX, 2018. I tried to view it again later on Wed. XX/XX/XXXX and again on Thursday, XXXX XXXX. I was unable to find a way to put in my report number to view it again. Eventually through their help I was able to find a link to view the report but the link would not work and gave me a message that said : we are updating our server and this information is not available. I have tried this for 2 days. They also gave a phone number to call : XXXX XXXX but when I call I can not reach anyone to speak with and the prompts do not answer my question. 

I tried the phone number given to me by your consumer finance rep : XXXX XXXX and had the same issue. 

Experian must have a phone number for customer questions but apparently they don't want to answer any. 

I also tried 2 other numbers I found on the internet - they did not work either. 

The only way I can see to receive my report is to become a member and that costs XXXX a month-something I do not want to do. 

Even an email address would be helpful. 

I believe Experian needs to be made to provide some live contact for its customers.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018.