davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX received an alert that my credit score dropped by 17 points for no specific reason given. I had just paid off a car loan and it was reported as paid in full/good standing. I had very low credit usage at the time, my score should have not decreased, should have possibly increased actually due to my over 800 score and having no negative items on my report. I called that day and spoke to a representative she could not find any reason that it should have decreased so she told me she would forward this issue to another department for further investigation and that someone would be calling me back with more details. I never received a call back. XX/XX/XXXX I received another alert that my score was decreased by 12 points, for no specific reason. I called again and the representative said there was nothing she could do, they did not have that kind of information and I would have to contact my financial advisor/bank for more help on the issue. I called my bank and they told me there was nothing they could offer me ( as I suspected ) since this was not an issue having anything to do with the bank or my credit cards with them. All she could do was suggest contacting the credit reporting agency, which I explained I had already done with no luck. I called the credit agency back again and explained what they told me and was told they would forward this to another department and they would contact me back, the same thing I was told the very first time this happened. I never received a call back once again. Whenever I used to receive alerts there was always an explanation along with why something was changing. I was told by credit reporting agency that they no longer do that. I want to know why the decreases happened since I have been very dedicated to keeping my score up as high as possible and there has been no negative things that should have done this to my score. I have excellent credit and I think it is very unfair and wrong that my score took a hit for a total of 29 point decrease for absolutely no reason. I would like an explanation and correction to my report.
Consumer complaint received 2024-10-17
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. (MI)

I am writing to address the lack of response to my previous notice, the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will reporXXXX XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per IRS regulations, a XXXX debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS.

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations.

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the CreditoXXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2024-10-17
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. (GA)

Request to Block Information Due to Identity Theft under the FCRA I am writing to formally notify you that I have been the victim of identity theft, which has resulted in inaccurate or fraudulent information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block this information from my credit file without delay. 

The relevant portion of the FCRA mandates that credit reporting agencies block the reporting of any information that the consumer identifies as resulting from identity theft within XXXX business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information on the credit report ; 3. A statement from the consumer indicating that the information does not relate to any transaction they made. 



I am confident you will act promptly in accordance with Section 605B of the FCRA to block this information from my credit report. Please send a written confirmation once the information has been blocked. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2018 my bill for account CAPITAL ONE BANK USA did not go through when it was on the auto-bill in the bank XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Consumer complaint received 2024-10-15
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Designed Receivable Solutions, Inc. (AL)

In XXXX XXXX XXXX  more than once I explained rule 15 USC 1692G & asked the creditor to send me a copy of the full detailed list of the payment history, a copy of my original signature that I agreed to on the contract, Has there been any insurance claim found on this debt, and I ask if I can see the chain of title to collect this debt. 

However the debt collector was very unprofessional & rude as he stated he does not have any of that information Ive requested. Ive also ask the creditor to cease all communication & to stop harassing me by calling my phone & any other ways theyve tried to contact me.
Consumer complaint received 2021-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (NC)

I recently reviewed my consumer credit reports and noticed an account from Security Collections that I didn't recognize. On XX/XX/2021 I sent Security Collections a debt validation letter pursuant to 15 USC 1692g. I requested that they provide me with the requested information within 30 days. I have proof that the debt validation letter was delivered on XX/XX/2021. It has been over 30 days and I have not received any information validating this alleged account. Since I have not received this information I am demanding that Security Collections immediately zeroes this alleged account out and deletes this alleged account from all consumer credit reports.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXX XXXX : After contacting XXXXXXXX XXXX XXXX  customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX  acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, Experian, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CA)

Kings Credit Services has been reporting an old collection debt on my credit report for over a year from a medical office named XXXX XXXX. I have asked numerous times for them to verify this debt and send me the proper verification. They have refused to fully verify that I owe this debt and admitted by phone that they do not have the original signed contract from the original company. All they send me is a printout of services that were supposedly rendered to me, But do not include any contract that I signed. I feel that this is against HIPAA laws and section 609 of FRCA as they can not produce the original signed contract. I've contacted them by email, mail, and phone and they refuse to verify and/or remove this debt. I am asking for this debt to be removed from all three of my credit reports immediately as they can not produce the original signed contract to verify it.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, Experian, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MD)

On XX/XX/21in preparation to pay payment due for XX/XX/XXXX, I noticed my minimum balance was higher than normal. I send a secure message as I normally due asking for a breakdown or reason for the higher charge. I was directed to call customer service to discuss my account. Today,XX/XX/21- I contacted customer service XXXX to ask for a minimum balance breakdown. Stated my concern because I normally owe minimally {$32.00}. I spoke with a customer service representative who viewed my account and stated the amount was higher due to a Late fee assessed on the account of {$39.00}. I explained that I made a payment of {$75.00} that covered the late fee charged. She saw on my account the payment and went on to say that I still owe the {$66.00} minimum balance fee. I asked why because its not making sense to me. She said its that much because they have added interest that raises the minimum payment. I still did not understand because normally I've seen the interest payment assessed and still my minimum balance due was around {$32.00}. When I challenge her response she hung the phone up on me. This is unacceptable practices from the same credit card company. I was first told it was the late fee charge and then was told it was due to something else. So I'm not charged interest twice. Once that is added before my new statement is due {$18.00} and then another {$23.00}, for what? This is what's been explained to me. I understand interest being put on the unpaid balance. Doesn't the interest increase the balance? I feel like I'm being bullied into paying way more. What are the rules for when the account is closed? The will be not additional charges made to this account. Because the account is closed Citbank has the right to double charge me in interest and attach it to my minimum balance rather than the total of the outstanding balance? I'm confused and when I keep asking just so it makes sense to me and I can ensure I pay if nothing else the minimal ( only due to times are hard due to Covid-19 ) I get hung up on. Can not get a straight answer to what my minimum balance should be, I don't get a straight answer. I understand Citibank wants to be paid their money. I also ensure I pay, but I believe this treatment is not company policy and/or procedure. So, no matter how much the bill is my minimum will increase each month because of two interest fees? Something is not right and I need better explanation to what is happening with this account whether closed an/or opened.
Consumer complaint received 2021-02-18
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. (PA)

I have 8 hard inquiries thats I did not authorized XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX Factual data : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX Fraud never authorized none of these inquiries I will like them to be remove from my credit report
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (HI)

I was sent a bill for XXXX dollars from XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I never owed them any money. When I left XXXX XXXX because they refused a small loan I was given this outrageous bill. My account may have been overdrawn by XXXX or XXXX dollars however they are exaggerating this to thousand and more. Not only that XXXX XXXX XXXX XXXX signed a contract that they would not do anything negatively to my credit however I am now being threatened by this company and they are stalking me. After trying to go online to XXXX XXXX website recently to resolve a small overdraft I was immediately called by a debt collector and began receiving mail from them. I did not give them my phone number or address. I am now being stalked by a credit repair union over a small overdraft that is exaggerated to over a XXXX  dollars.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

I received a mailer offer from AMERICAN EXPRESS for a PLATINUM BUSINESS card. I used the provided QR code to apply and was accepted. The offer was XXXX points if I spent {$20000.00} within 6 months of activation. 

I was later told by AMEX that the offer in their system was for 3 months. 

I uploaded all the original offer documentation which showed 6 months however they denied it as it was not recorded as such in their system and they refused to make amends. 

Customer service has flat out REFUSED to honor the 6 month promotion ... they state their system shows it was for 3 months only but will NOT provide any documentation/log of the information from when I did the sign up.
Consumer complaint received 2024-10-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (GA)

I requested and was granted a postponement of payments due to illness / lack of employment. Faye Services paperwork states that my participation in their program would not reflect negatively on my credit. After I got off the program had been current on my payments for 8 months the company reported 30, 120 and 150 days late on payments from the previous year.
Consumer complaint received 2021-02-17
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. (GA)

I am writing to you as I have no any other choice. Somebody used my personal information and I do not know what to do now ... I saw my report and I got shocked. Can not understand what to do and I decided to write you guys. Those accounts are not mine and I do not recognize them I think its fraud and I am victim of Identity theft. Is there any investigation that you guys provide? I want to apply this investigation and that you can check as I do not want to have somebody else info in my own credit report also I wanted to apply for credit but I can not now since I have these accounts and since they damaged my score. I am very curious how come I have this misleading and I ask you to delete it please asap
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

I used the care credit app to pay my bill every month with an extra payment every month. About every 6 months to a year their system decides it cant find my bank account linked to my debit card so my payments don't go through and i dont catch it until i go to make my next payment. I pay the amount due every time to fix it. They say it doesnt go through again and put a hold on my account. I call pay up and try to tell them that their app isnt working. They blame me saying its my bank or insufficient funds. Which has never been the case and they put it on my credit score. I tried to dispute it and never heard anything back. This time they closed my account without telling me. They say they tried to call me but i never got a message from them. No letter in the mail, no email. Nothing. So i call and ask what happened. They say they never got my payments. I said the app messed up again in XXXX but i fixed it this month. They said its my fault not the app and theres nothing they can do. I ask to dispute it again and this time they say no because the account is closed. I asked to talk to a manager and they had me on hold for an hour. I never got to talk to anybody. They keep telling me its my fault but i make my payments their app is messed up and they need to send me paper statements or emails and they say theres nothing they can do and its my fault. Again.