davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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. (SC)

XXXX hasn't changed my credit score and accounts are incorrect on my credit report. For three months, I have been unable to get my credit scores or report correct. All three credit bureaus have received information from my creditors and they have not changed anything on my credit report. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC. XXXX
Consumer complaint received 2023-03-18
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (GA)

Company Name : TD Auto Finance Reason for Dispute : Never Late, Account Was Paid As Agreed. 

TD Auto is reporting an account as being 30 days late on my credit report and fail to correct this error with the credit bureaus. I have disputed with all three Bureaus and although I submitted evidence of no late payments, they still failed to update the inaccuracy on my report. 

On one bureau TD Auto is reporting XX/XX/2022 payment as 30 days late and on the other two bureaus, it's stating XX/XX/2022 payment as being 30 days late. That's one major inaccuracy right there, because they are reporting different records across the bureaus ( which calls for an automatic removal ). Secondly, no payment was ever late for any of the months ; therefore information being reported as 30 days late is incorrect. Please view supporting documents as proof of ALL payments for the full year of XXXX  and have them update this inaccuracy accordingly. ( Attachments 1-4 : TD Auto Payment History for the year ) In addition, I'm also submitting proof rendering my mother as the actual owner of the account as well. Attached, you will find her bank statements showing payments coming out of her account faithfully for the whole year. There, you will also see that the XXXX and XXXX payment were NEVER late or missed. Although she had a 15 day grace period every month for every payment, she NEVER went passed her grace period ; being that the account was in my name, I made sure of it. ( Attachments 5-16 : Mom 's Bank Statements for the Year ) So to reiterate, ALL proof will be attached with this complaint. I'm not sure why TD Auto insist on reporting this inaccuracy. At first, I believed it was an honest mistake, but recently I found out that they did a soft pull on my credit in XXXX right before they reported the inaccuracy on my report. It had been six years of payments being paid on time and my mom was on the last payoff payment ; therefore, there was no need to inquire on any of their services, no reason to refinance, or etc., so why were they soft pulling my credit? Now, it appears as if they were intentionally trying to sabotage my records. If you take a look through my credit report, everything is always paid on time ; I do not believe in late payments. TD Auto saw this and for whatever reason, decided to report their inaccuracies. I'm the type of person that stays on top of my credit just to ensure accuracy of what's being reported ; reason being is because companies like them report inaccuracies all the time. If you are not attentive to errors being reported, they will continue to report false information. This is not right and they should not get away with this. No company should. 

So again, please have them fix and update this inaccuracy on my report accordingly.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I submitted a request for annual credit report via XXXX, a phone system that allows submissions to the three big reporting agency during a single call. On XX/XX/2017 at approximately XXXX pacific time I submitted each request while on the phone call and received a confirmation for each submission. 

Within 10 days I received my report from XXXX. 

After a month XXXX and Equifax have refused to supply the report. 

This has been the pattern for several years now AND XXXX and, particularly Equifax contain the most false information about me and provide the most resistance in correcting the information ( ie incorrect names, false addresses, false financial transactions ). These two companies draw this process out for 6 months and more.
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I closed a credit card over a year ago and paid off my remaining balance. Without my knowledge my creditor kept my account open and started charging me fees and eventually marked my card late on payment which decreased my credit score by more than 40 points.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-04
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)

Dear Sir/Madam, I am writing to dispute the inaccurate information that XXXX XXXX XXXX Bank has reported to the credit reporting agencies about my account. I believe that the bank has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX XXXX Bank has failed to report accurate information to the credit reporting agencies, which has led to inaccurate credit reports and has negatively affected my credit scores. This violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, the bank has failed to conduct a reasonable investigation of my dispute regarding the inaccurate information reported to Experian, which violates Section 623 ( b ) of the FCRA. 

Furthermore, XXXX XXXX XXXX Bank has violated Section 312 of the FACTA by failing to maintain reasonable procedures to ensure the accuracy of the credit report information it provides to the credit reporting agencies. 

The bank has also reported different dates of last payment and last reported dates to Experian and XXXX, which violates Section 623 ( a ) ( 5 ) of the FCRA. This inaccurate information can lead to inaccurate credit reports and affect credit scores. 

Lastly, the bank has reported a late payment on XX/XX/2021, to Experian, when in fact, no late payment was made on the account. This inaccurate information violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA and can affect credit scores and lead to other negative consequences. 

These inaccuracies have had a significant impact on my life. I have been denied credit and have been forced to pay higher interest rates due to these inaccuracies. The inaccurate information has also caused me significant emotional distress and has made it difficult for me to obtain employment and housing. 

Therefore, I respectfully request that XXXX XXXX XXXX Bank remove the unverified collection account from my credit report, as required by law. I also request that the bank take all necessary steps to ensure that accurate information is reported to the credit reporting agencies in the future. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

CREDIT COLLECTION SERV at XXXX XXXX XXXX XXXXMA XXXX has been sending me collection notices in the amount of {$99.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. The collection agencies in question have not removed the accounts from my credit report yet rest being damaged because of it. They informed me taht they would stop reporting the accounts but haven't.
Consumer complaint received 2021-03-14
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. (CO)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have tried to contact Experian, XXXX XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : XXXX
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX. I am writing in regards to an investigation of financial abuse for a client.
On XX/XX/XXXX I submitted a request for a year 's worth of bank statements from Wells Fargo. On XX/XX/XXXX I received a response from XXXX XXXX stating that I would need to provide a signed authorization from the client to release the statements ; however, my client was XXXX and I obviously could not obtain that form from her. In addition, I could submit a signed POA form noting myself as her attorney-in-fact, but I am a XXXX XXXX with a county agency ( XXXX ) who has no authority to become POA for a client. It is in fact unethical and against policy for me to do so.
On XX/XX/XXXX I sent a response to the Denial of Request which is from the XXXX XXXX XXXX XXXX XXXX which stated the laws pertinent to this request. OnXX/XX/XXXX XXXX XXXX of Wells Fargo sent me the same response fromXX/XX/XXXX.
I have attached the correspondence to the file below.
It is quite unfortunate that a bank such as Wells Fargo will not protect their clients who are victims of financial abuse and cooperate with XXXX XXXX XXXX so that we can complete our investigation. I would like to see Wells Fargo complete my request, which is seen in the correspondence documents.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have tried to contact XXXX, to dispute an account, in which ; the statutes of limitations have already expired. XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # XXXX
Consumer complaint received 2024-10-21
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

**THIS IS NOT THE SAME COMPLAINT AS PRIOR - NEW SITUATION HAS JUST ARISED WITH CAPITAL ONE. AFTER 8 MONTHS OF NO REPORTING ON A PAID IN FULL ACCOUNT FROM XXXX, XXXX, CAPITAL ONE FRAUDULENTLY UPDATED MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX, WITH AN INCORRECT REFERENCE AS WELL. ** DETAILS : On XX/XX/XXXX, I pulled my XXXX  Credit Report, and discovered that Capital One had incorrectly updated my account ending in XXXX from a Paid in Full Status XXXX, XXXX - ( XXXX being the FINAL month reported, EIGHT MONTHS AGO ) to now updating it to show a CO ( charge off ) for XXXX, XXXX. This is technically impossible and completely inaccurate. 

There are 2 Issues Here to Resolve : 1 ) No Activity has happened since XX/XX/XXXX, and every month should report a NA 2 ) My Account was NEVER NEVER NEVER NEVER been a Charge Off I paid my account in full on XX/XX/XXXX. At that time, because I had fallen out of a 3-payment settlement when Capital One refused to give me a 2-week extension, I immediately had to scramble, beg, borrow, and use my unemployment funds to scrape together the ENTIRE FULL ACCOUNT BALANCE to pay it in full before a charge off. And I did so. I made the payment and it was before my account charged off. That has been verified multiple ( MULTIPLE ) times, including through a recorded Capital One conversation on XX/XX/XXXX, as well as a REFUND CHECK to me for {$57.00} because when I paid them on that day, I did EVERYTHING to ensure that I resolved it free and clear without trailing interest for the month, etc, making sure it was a {$0.00} balance and before the charge off. I went above and beyond to ensure a big excess payment so that they wouldn't be able to say I hadn't paid everything on that final day when I did, and that was, 100 % was before a charge off. 

Following this PIF payment, I received a check for the overpayment from Capital One in the amount of {$57.00} Following a different complaint to CFPB on Capital One about how they allowed an extension on my husband, and not me ( discrimination ), Capital One sent me a letter confirming that my Account was PAID IN FULL, and not a charge off. 
I downloaded my final statement., confirming no charge off.
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: ECMC GROUP, INC. (VA)

I currently have my student loans consolidated through XXXX after I graduated in XX/XX/XXXX. I have been making my payments directly to XXXX and missed one payment in late XXXX when an auto-payment failed to clear. The problem was corrected as soon as I found out, and I have not had an outstanding debt since.XX/XX/XXXX, ECMC called my work phone claiming they work with XXXX XXXX XXXX XXXX. I attended XXXX during the XX/XX/XXXX-XX/XX/XXXX school year and had since moved on. They mentioned the missed payment and that I had an outstanding balance. I checked with XXXX and there are no outstanding balances. I also checked with XXXX and was confirmed to have outstanding debts with the school. I explained to the woman from XXXX that I had no outstanding balances, and she began to launch into a spiel about how XXXX is contracted with XXXX to offer financial guidance. I declined and informed them not to contact me again. Today, XX/XX/XXXX, I was contacted again by XXXX claiming to be calling on behalf of XXXX and that they had previously helped me with financial management. I informed them forcefully they had never helped me, I had never requested their help, and that I did not appreciate them calling my work phone if there are no outstanding monetary issues to discuss. 

I am reporting about ECMC 's tactics because I do not know how they received my work phone number. I was not employed with my current employer when I attended XXXX. If they are calling on behalf of XXXX, that is one thing, but they instead called detailing outdated information regarding XXXX. 

I will be following up with Navient, and I expect XXXX will be calling my work phone again trying to peddle " financial help '' where clearly none is required.
Consumer complaint received 2017-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (TX)

Hello I have a loan with Covington credit. ( Southern Management ) I have missed XXXX pymt..and my  XXXX pymt is not due until XXXX XXXX the branch manager ( XXXX ) is very rude and keeps threatening to call my job and they have came to my home and left a letter take it this is my XXXX loan with them I paid off the first one.they are very harnessing about {$98.00} dollars please make them stop my intentions are to pay I am having financial issues right now.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report and the negative items that are currently listed. Upon reviewing my report, I have noticed several discrepancies that require immediate attention. 

Firstly, there are two addresses listed under my personal information that are not correct. The first one is located at XXXX XXXX XXXX XXXX, TX XXXX and the second one is located at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Please remove both of these addresses immediately from my report as they do not belong to me. 

Secondly, I have noticed that two employers have been listed on my report that are not mine. The first one is listed as " XXXX XXXX '' and the second one is listed as " XXXX XXXX XXXX XXXX ''. Please remove both of these employers from my report immediately. 

Furthermore, I have noticed several inquiries on my report that I do not recall authorizing. The companies listed are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all of these inquiries from my report immediately as I have no recollection of authorizing them. 

Additionally, there are several accounts listed on my report that I do not recognize. These accounts are listed under XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and My Community XXXX Please investigate these accounts and remove any that do not belong to me from my report immediately. 

Lastly, I have noticed that several inquiries on my report have violated Metro2 reporting compliance by not reporting their contact information. The companies listed are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Please remove all of these inquiries from my report immediately. 

I request that you take immediate action on the above discrepancies and remove any negative items that do not belong to me from my credit report. I appreciate your assistance in this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-10-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently discovered that XXXX XXXX XXXX XXXX ran an unauthorized report on me on XX/XX/XXXX. I mailed a certified letter to the above mentioned company, and requested that they remove the inquiry placed on my credit report by there company. I did not authorize such inquiry. They did not have permissible purpose to pull my credit report hence invaded my rights to privacy.
On XX/XX/XXXX, I received a letter from the above mentioned company stating " No action will be taken to remove the inquiry ''.