davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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)

My account with Experian 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 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.

Experian 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 2024-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC (DE)

Reviewing my loan I have noticed that I my loan states that I have a duration of XXXX  years for my loan from XXXX which is XXXX  years My loan was for 30 years FHA fixed . I need to have then fix the site to reflect that, when trying to call customer services they have not idea how this came about. I have attached copy of my XX/XX/year> web page. Please have this corrected and update to reflect my true loan duration.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

Since XX/XX/XXXX of XXXX, I have received about XXXX calls from Comenity Bank. They call anywhere from XXXX XXXX  to XXXX XXXX  and call from different numbers so blocking is minimally helpful. They have also called a relation that I am beyond confused as to how they'd know who that person is as the accounts are only in my name.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (PA)

I am not liable for this debt with FIRSTPOINT COLL RESOURCES. I do not nor have I ever had a signed contract with this collection agency trying to collect and who are reporting information to my credit report. They did not provide me with the original contract as requested.
Consumer complaint received 2024-10-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (GA)

According to RentDebts website, RentDebt is required by federal regulation to send a validation letter, and we send this letter the day after the account is finalized in our system. This letter must inform the former resident of the accounts status, the name of the original creditor, and provide the individual with a 30-day window to validate the debt, pay the account, or set arrangements. 


I have not received any validation letter or correspondence regarding this debt, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

Given these circumstances, I request that you remove this debt from my credit report immediately. If this matter is not resolved promptly, I will be forced to take further action, including filing complaints with the XXXX XXXX XXXX ( XXXX ) and the Consumer Financial Protection Bureau ( CFPB ), as well as considering legal action. 

Issues Faced 1. Lack of Validation Letter : I have never received a validation letter or any other correspondence from RentDebt regarding the alleged debt. Their failure to provide this essential communication constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 
2. Credit Reporting : Despite not receiving the required validation letter, RentDebt has reported this alleged debt on my credit report. This action is not only premature but also a violation of federal regulations. 

The reporting of this alleged debt has negatively impacted my credit score and creditworthiness. As a result, I have experienced higher interest rates on loans and potential denial of credit opportunities. This situation has caused me significant emotional distress and XXXX.
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (NY)

Sunrise credit service in 8 XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX, contacted me many times on the issue and I said to stop. 
15 usc 1692c ( c ) clearly states If a consumer notices a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. They have contacted many times which is illegal and offensive, I do not owe them anything and want this removed from my credit history, I have never signed anything or owed anything to them. I also asked them for the purchase agreement which they denied, please verify that these collections were 100 % accurate and if not please remove them from my credit immediately. Because the information is incorrect.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (MD)

In Pursuant to 15 USC 1692 ( b ) 2 U.S. Bank has violated my rights by continuing to harass me about an alleged debt. U.S.Bank has sent multiple emails and multiple phone calls with obscene and Profane language. I have sent U.S. Bank a Cease and Desist affidavit on XX/XX/XXXX. U.S. Bank has not rebutted any of the stated facts in the affidavit submitted XX/XX/XXXX. 

In Pursuant to 940. 18 U.S.C. Section 1341Elements of Mail Fraud There are two elements in mail fraud : ( 1 ) having devised or intending to devise a scheme to defraud ( or to perform specified fraudulent acts ), and ( 2 ) use of the mail for the purpose of executing, or attempting to execute, the scheme ( or specified fraudulent acts ). '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; see also XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( " The elements of the offense of mail fraud under... XXXX  are ( 1 ) a scheme to defraud, and ( 2 ) the mailing of a letter, etc., for the purpose of executing the scheme. " ) ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Mail and Wire Fraud, XXXX XXXX. XXXX. XXXX XXXX. XXXX, XXXX ( XXXX ) ( cases cited ). 

U.S. Bank has committed mail fraud by sending a deceptive statement to my place of resident attempting to collect a debt that is not owe. 

In pursuant to 12 U.S.C. 1431 Powers & Duties of Banks Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. 

Therefore banks can not lend there assets or there money. 

12 U.S.C. 1813 When the purported borrower deposits or surrenders the Promissory Note it is then considered a cash item. The Promissory Note Creates the money. 

UCC 9 section 102- section 8 ( 65 ) Theres no obligation to pay on a promissory Note. 


On XX/XX/XXXX a Promissory Note was made and was suppose to be deposited as a cash asset. 

U.S.Bank never issued any money or loan because banks cant lend there assets or money. 

Please see Attachments
Consumer complaint received 2024-09-05
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. (FL)

The companies that are listed reporting inquiries on my credit report that i do not recall. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked for documentation providing proof I applied for credit with all the creditors listed and have not received the proof in a 30day timeframe. Please remove the inquiries from my credit report immediately.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Adjustment Company Incorporated (CA)

The account is invalid. CONSUMER ADJUSTMENT COMPANY INC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CONSUMER ADJUSTMENT CO XXXX
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Mortgage is with Lakeview and is subserviced by XXXX In XXXX XXXX  I added a new bank account for payment of my mortgage. I submitted a payment on XX/XX/XXXX which is within the grace period for the due date. I was not informed that the payment had been returned until XX/XX/XXXX. The mortgage company reported it to the credit agency as XXXX days late. The payment account number was off by only one digit. I immediately made the payment at the time of the phone call with the correct account number. I made the XXXX payment through the website on XX/XX/XXXX and everything went through just fine. I made the XXXX payment through the website on XX/XX/XXXX. Prior to submitting the XXXX payment I checked the " edit payment account '' screen to verify that the correct account number was listed. On XX/XX/XXXX I called them because the payment had still not cleared my bank account. I was told that the incorrect account number ( off by XXXX digit ) had been used for the XXXX payment. No one at their customer service, website team or escalations department could tell me why it processed with the incorrect account number even though I double checked it before submitting the payment. I was then told that I have to wait until Monday XX/XX/XXXX for the payment to be returned and that I will be charged a returned item fee. On top of everything else, they reported me as XXXX days late to the credit reporting agencies and stated that they have no responsibility whatsoever to notify me when a payment is returned. This is an unfair business practice that has damaged my credit and will adversely affect me for the next 7 years. I have never been late on a mortgage payment before and if there were any issues in the past with the mortgage on my last home I was promptly notified to address the issues before any negative impact to my credit. This company said that they refuse to correct anything with my credit report even though the account number was only off by XXXX digit and I was not notified that the payment had been returned until 10 days after it was already 30 days late. In addition to unfairness I feel this is deceptive and predatory because it has caused me to be denied on applications to refinance to a different lender. I also have photos of the " edit payment account '' screen showing the correct account number.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I need this collection removed from my account immediately. It's completely inaccurate, and it's already affecting my credit score. Ive reviewed my records, and theres no reason this should be on my account. This needs to be fixed right away.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I bought an XXXX skincare product through XXXX on XX/XX/year>, but later discovered it was a scam. After reaching out to the seller, XXXX XXXX, and the company for assistance, I didn't receive any responses. I also filed a claim with Chase, but they closed it on the same day, stating they don't handle scam-related issues. 

I transferred money 4 times by XXXX on Chase banking app - XX/XX/XXXX : {$350.00} - XX/XX/XXXX : {$90.00} - XX/XX/XXXX : {$1000.00} - XX/XX/XXXX : XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I disputed this account with Equifax on XX/XX/XXXX stating that the last payment date is inaccurate. I provided proof by sending a copy of my credit report from all three bureaus. XXXX is reporting last payment date XX/XX/XXXX, Equifax is reporting last payment date XX/XX/XXXX and XXXX is reporting last payment date XX/XX/XXXX, it should be the same throughout the bureaus. Equifax stated it's accurate, and they will not remove this account.
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (FL)

Milestone credit card sent me a credit card I never applied for. It had a {$170.00} annual fee and a 36.5 % annual interest rate, and a {$700.00} limit. I have a credit score of XXXX and XXXX cards with limits in excess of {$10000.00} one with {$25000.00}. 

When I called they wanted my SS number I would not give it to them because I fear they are the fraudulent party. 

They assured me if I did not activate the card, which I destroyed, that I would not be charged the fee and the account would be closed. 

Now the {$170.00} appears on my credit report.
Consumer complaint received 2024-09-05
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. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-05
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. (NY)

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 2024-09-05
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (OH)

I have a checking account with Juno bank, which claims it was backed by XXXXXXXX XXXX  XXXX XXXX. I have {$8200.00} showing in my account, but funds are frozen without any ability to withdraw or transfer. Juno Bank is not providing any details, and keep claiming now that its XXXX XXXX responsibility to give money. XXXX is disputing this, but I as a customer is stuck in the middle. I had opened account with Juno bank, with my account number as XXXX and routing number as XXXX. Please help get my money back
Consumer complaint received 2024-10-23
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. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-23
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. (AZ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-23
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. (NY)

Incorrect information on my credit report and I would like it to be corrected so my credit can reflect correctly. 
Hard inquiries -- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquires-XXXX  ( Finance ) -XXXX  XXXX ( Auto ) XXXX ( Bank ) -XXXX  ( Bank ) -XXXX  ( Finance ) XXXX-XXXX XXXX XXXX-hard inquires- XXXX  XXXX VIA DEALER-US DEPARTMENT OF EDU
Consumer complaint received 2024-10-23
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. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I know I always pay on time, but I dont understand why Im being reported as late in some months. Under USC 1666b, any billing mistakes must be fixed, and my account updated to reflect on-time payments.