davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
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. (CA)

XXXX   XXXX   XXXX   2006 , is reporting that my account with them is open. It is closed and they need to report it closed. They sold it to  XXXX   XXXX   XXXX . I was always current with them.
Consumer complaint received 2024-07-11
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
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)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (CA)

I obtained a loan through Exeter Finance Corporation on XXXX/XXXX/XXXX. The original principal was XXXX, APR 25.02 %, monthly payment of XXXX, due the XXXX of each month. Before making my first payment I created an online account. After making my first payment on XXXX/XXXX/XXXX, I was no longer able to log into my account and could only rely on the paper bill statements I received each month in the mail. I just gained access to my account yesterday ( XXXX/XXXX/XXXX ) after mentioning the consideration of filing a complaint with CFPB. The statement generated on XXXX/XXXX/XXXX stated a balance of XXXX ; however, when I was able to log onto my account yesterday, my balance was at XXXX ( this was before my payment for XXXX posted ). Today ( XXXX/XXXX/XXXX ), after my XXXX payment posted, my balance is now XXXX. While speaking with a manager in the customer service department today is was provided a verbal explanation of the allocation of my principal and interest, from each payment starting on XXXX/XXXX/XXXX, and is as follows : XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX. Total Interest paid to date:XXXX, total principal applied to date:XXXX. According to my calculations, XXXX should have been applied to the principal balance to date, additionally, I do not understand the amortization of the loan, as it is inconsistent. Once the customer service manager took a look at my account and tried to explain the discrepancy, she put me on hold, then came back on the line and said she was sending my account to a specialist to further evaluate it. Her actions made me feel as if she was trying to avoid any more contact with me during the call to protect the company, and give them time to cover up what they are doing. I am a compliance assessor for a mortgage lender, and work every day to make sure all consumers are treated fairly. Having experience in assessing files in the financial industry, i can tell when something is n't right. The customer service department does not willingly provide information, as if they are under pressure by senior management to keep their business practices quiet. Again, once I made them aware of my experience, and that i was going to file a complaint with the CFPB ; I gained access to my account online for the first time in 6 months ( after attempting to do so multiple times ), and my account balance changed 2 times in 2 days, once before payment was made and after once after payment was made but both changes occurred after the mention of CFPB. The corporate office is also impossible to get in touch with. I have left a voicemail at he corporate office and have yet to receive a response. If they are improperly allocating my funds, then they are doing it to other people as well. Exeter Finance Corp is located in XXXX, TX.
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Brown and Joseph, Ltd (NY)

Our previous Insurance company for our business ( XXXX Workers Compensation insurance policies ) has made numerous errors on our account that began in XX/XX/XXXX. Our premium doubled without explanation and we continually were trying to gain insight and rectify our account with XXXX, since then. We originally obtained this insurance with XXXX through XXXX ( XXXX, was our agent ) .We will attach the appropriate documents ( which are all correspondence via email ) - which will clearly display the errors, acknowledgments, unprofessionalism and incompetency that was shown and communicated to us by XXXX , XXXX and ( the now ) collection agency ( Brown & Joseph , Ltd ). XXXX ( of Brown & Joseph ) was the last communication that we had with respect to our situation and account. We proposed good faith payment plans via phone and email with XXXX ( and also through emails, previously, with XXXX of XXXX ) - neither company was willing to accept our payment plans that we offered ( based on what we were able to afford ) as they felt our terms were unacceptable. XXXX was passive-aggressive and threatened that if we did n't have payment by XXXX on Wednesday, XX/XX/XXXX he would take us to court and by that following Monday we would be calling him back to start calling him names. When we questioned him as to why he was speaking this way to us, he repeated himself. All we wanted to do is rectify and move on from this awful situation that was created by XXXX, lasted 8 months before actual numbers were finalized, and at this point- all parties are making us feel like 'they ' are the victims.
Consumer complaint received 2024-07-11
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 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 XXXX 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 2024-09-09
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. (PA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and another XXXX XXXX They could not provide me with the following information : 1. Name and address of the original creditor 2. The amount of the alleged debt 3. Itemized statement of the alleged debt 4. Proof that they are authorized to collect this debt on behalf of the creditor. Verification of debt is within the statute of limitations. I called each of these places and they could not give me any of the above information. These accounts have the wrong information. Under 15 USC 1692g FCRA law doesn't allow collection agencies to report incorrect information. This needs to be deleted as soon as possible.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
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)

This account was opened on the following data XX/XX/XXXX in XXXX, XX/XX/XXXX in Experian..And XXXX XX/XX/XXXX, this is wrond ... and the Date last active XXXX in XXXX and XX/XX/XXXX in Experian..And XXXX XXXXthis is wrond this inaccurate obtain credit XXXX failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXX XXXX XXXX Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Consumer complaint received 2024-07-11
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)

This account was opened on the following data XX/XX/XXXX in XXXX, XX/XX/XXXX in Experian.., this is wrond ... and the Date last active XXXX in XXXX and XX/XX/XXXX XXXX Experian. This is wrond this inaccurate obtain credit XXXX failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXXXXXX. Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Consumer complaint received 2024-07-11
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. (TX)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) U.S.C 1681 Section 602 The right to privacy 5. ) 15 US Code 5 Section 1681b : Permissible purposes of consumer reports 6. ) 15 U.S.C 1681 Section 604a, Section 2 : A consumer reporting agency can not furnish an account without your written instructions XXXX. ) TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) 8. ) United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online press release, including documentation of any potential small claims action.

Please see the attached file below.
Consumer complaint received 2022-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (KS)

For the past three years I've been threatened with court from litigation companies for a debt that was paid. 
The first time I paid I was young and didn't save a copy that it was paid in full. 
Last year was contacted, paid AGAIN because I couldn't find the letter I needed. I did save this paid in full letter. 
This year was contacted again! This time I forwarded the pay in full letter to the litigation company. 

This is paid IN FULL and I was never contacted regarding the debt! For the 2nd time. I WANT MY ACCOUNT CLOSED AND TO NOT BE HARRASSED EVERY YEAR.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital one savor credit card made my life harder financially and mentallyXXXX XXXX XXXX XXXX XXXX XXXX  I went though financially hardship 
Can I please get a check to cash
Consumer complaint received 2024-07-11
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. (GA)

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX Experian : Bankruptcy XXXX  XXXXdischarged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX XXXX : XXXX  XXXX bankruptcy discharged Case Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$270.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXX
Consumer complaint received 2024-07-11
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. (OR)

I am writing to request your kind assistance with an important matter concerning my credit report. Due to the unprecedented circumstances of the COVID-19 pandemic, I experienced significant personal and financial hardship, which has inadvertently affected my credit history. During the peak of the pandemic, I XXXX  XXXX and faced a life-threatening situation that left me incapacitated  for an extended period. As a result, I was unable to manage my financial obligations effectively. It is my understanding, During the pandemic, the CARES Act amended the Fair Credit Reporting Act ( FCRA ) to address accommodations for consumers impacted by COVID-19. An accommodation includes relief granted to those affected by the pandemic between XX/XX/year>, and 120 days after the termination of the COVID-19 national emergency. 

During this time, my vehicle was totaled, and the responsibility for the associated loan was transferred to my ex-partner as part of our separation agreement. Unfortunately, there was a delay in the insurance payout for the totaled vehicle, and the loan servicer did not communicate this situation to the credit bureaus. I have been informed that the loan was eventually settled in full by the insurance company. However, the lack of communication from the loan servicer during the insurance claim process has resulted in late payment entries on my credit report. 

In light of these extraordinary circumstances, I respectfully request that Experian invoke the protections afforded by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. The CARES Act includes provisions for consumers who have been impacted by the COVID-19 pandemic, allowing for accommodations to be made regarding the reporting of certain credit information. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I was delinquent on my credit card acct & entered negotiations XX/XX/XXXX with usaa credit card settlement dept to attempt to settle for less than balance due. on my first conversation i made an offer & usaa countered my offer. on the second contact with usaa a customer service rep named XXXX stopped negotiations when I countered usaa 's first offer with the same amt/percentage as my initial offer. XXXX stated that I could n't counter with the same amt/percentage. I was never told I could n't submit duplicate counters PRIOR to entering negotiations. after negotiations I filed a cfpb complaint ( case number XXXX ). I got a call the next day from XXXX of usaa & talked with him about the issue. the only thing that came of the conversation was that I got was his direct extension & he asked me to call him directly if any other problems should arise. Fast forward to XX/XX/XXXX, I re-entered negotiations with usaa to settle the same credit card debt for less than balance due & during the course of negotiations on 4 separate occasions usaa customer service reps took my identical offers and countered them contrary to what XXXX had stated XX/XX/XXXX. i finally reached a settlement agreement with usaa XX/XX/XXXX & am currently executing that agreement. I have XXXX issues, first issue that concerns me is 1 usaa rep XXXX may be operating contrary to usaa 's operating procedures versus the XXXX other usaa reps that are operating contrary to XXXX by accepting my same negotiation offer amount/percentage. the second issue is that since XXXX I 've been calling XXXX of usaa directly at ext XXXX a minimum of once weekly & leaving messages on his voicemail requesting a call back directly. to this date XXXX XXXX has n't returned any of my calls. despite my repeated attempts of calling usaa & requesting usaa reps email XXXX directly requesting he call me, I 've not gotten a call from XXXX. I believe my third issue to be the most important, I believe as a direct result of usaa rep XXXX actions of wrongfully ending negotiations XX/XX/XXXX, I 've incurred {$700.00} in additional mo pymts, interest & late fees to date that I SHOULD NOT have incurred. I want this issue resolved immediately by either XXXX or a usaa rep with equivalent or higher authority as XXXX XXXX contacting me directly & agreeing to adjust the final XXXX amount to no less than a minimum of a {$700.00} reduction.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST. 

Accts In Litigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX