davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by Experian for the account XXXX with XXXX XXXX  XXXX. Despite sending previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case. 
TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit. 
Discrepancies in Payment Reporting For the account with XXXX XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Experian : The account shows an erroneous 30-day late payment in XX/XX/year>, a 60-day late payment in XX/XX/year>, and a 90-day late payment in XX/XX/year>, despite all payments being timely and consistent. 
Recurring Errors The persistent incorrect reporting of late payments across XXXX, Experian, and XXXX reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-25
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-10-25
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PROVIDENT FINANCIAL SERVICES, INC. (NJ)

Provident Bank purchased the bank that my mortgage was initially though, Lakeland Bank. The official switch occurred in XX/XX/XXXX. My first payment to Provident Bank was lost by Provident and I spent hours trying to set up online banking trying to correct the issue. Finally on XXXX, I scheduled a payment over the phone to be done with it, and put a stop payment on the check that had been lost by Provident. Subsequent payments were made to Provident and withdrawn from my bank account at XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, none of which have been credited to my account. They claim that a payment was returned, the duplicate payment for the payment on XXXX, and claim to not have received the XX/XX/XXXX payment. I have offered proof of my bank statements to show all three payments being withdrawn from my account. It is not my fault if they lost a payment, however, they want me to make an additional payment to make my account whole and this additional payment would be REQUIRED to make ANY of the payments I have previously made already to reflect my mortgage balance. Statements have been provided for XXXX and XXXX, the XX/XX/XXXX payment will be reflected on my XXXX statement which I'm happy to provide once it's printed.
Consumer complaint received 2024-10-28
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. (TX)

Your continued reporting of fraudulent information on my consumer report, despite my previous disputes, constitutes a violation of consumer protection laws. These unauthorized items resulted from identity theft and were never approved by me.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This account XXXX XXXX should not be reported to my credit report. I have an agreed to pay them. They have received the money but they did not update this credit account the account number is XXXX I have been reported late for XXXX months this far and this should be removed off my credit reports. This is incorrect reporting and it's violating my consumer rights.
Consumer complaint received 2016-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I XXXX being a XXXX woman trying to better the lives of my family by attending school to become a XXXX, carrying XXXX full time jobs while I obtain that education, find the credit reporting actions of Federal Loan Servicing to be discriminatory to my race. I am not borowing any further student loans as I work XXXX full time jobs, but I do have a great deal of student loan debts that I will start paying on as soon as I complete my XXXX in XX/XX/2017. All of my student loans to date have been deferred of payments. So how can this agency report my payment history as 90-days late from the beginning. I have attached copies of how these accounts are reported with the credit bureaus. I never had to make payments while the loans were in deferment. I can not obtain credit due to the abusive reporting practices of this agency on my personal credit reports. I demand that since no payment history was ever legally established, that all payments histories be purged from each and every account posted on credit. This abusive reporting action must cease immediately.
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (TN)

I am writing to request a 1099-C form for an account that has been marked as charged off but is still being reported on my credit report. As this account has been charged off, I believe a 1099-C form may have been filed with the IRS in accordance with regulations regarding the cancellation of debt. However, I have not yet received any such documentation. I kindly request that you provide me with a copy of the 1099-C form for my records. Additionally, I would like to request that you review the reporting of this account on my credit report. Since the account has been charged off, please ensure that it is being reported accurately to all relevant credit
Consumer complaint received 2022-02-22
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. (SC)

Back in XX/XX/2017 I filed an police report with an company that committed fraud. I was supposed to do a vehicle refinance. The dealer cashed the check and was suppose to pay off XXXX XXXX and XXXXXXXX XXXX  Dealership never paid XXXX XXXX or XXXX XXXX left me with two loans. I filed police report and customer compliant at XXXX  XXXX. I'm still awaiting court date but XXXX XXXX closed out account on credit report. XXXX XXXX is still reporting account is open and high balance. I been trying to dispute with credit bureaus and had no luck at all and this is messing up my credit report.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

I rarely use my Cashapp except sending family money. I only used my Cashapp card like 7 times since getting the card a few months ago. I never had an issue with Cashapp since I was a customer dating back to like XXXX. The last time I sent money was to my niece ( # XXXX ) for {$40.00} on Tuesday XX/XX/XXXX. I signed out of Cashapp after that. I logged in today XX/XX/XXXX because my niece needed {$20.00} for gas to get to work. That's when I noticed that my account showed as {$0.00}. I thought that was weird. I looked at the activity and it shows somebody by the user of $ XXXX sent themselves all my money via from my Cashapp debit card for {$210.00} on Wed XX/XX/XXXX. The last time that I used my card was XX/XX/XXXX at XXXX for {$13.00}. I haven't left my house in 2 weeks and my card stays in my backpack. The only other person here is my mom and she don't know how to log into anything and is not good at using technology. So, with any activity that happens on my account, I get instantly notified. When this happened I did not get notified anywhere like I usually do via text and email. This got me believing that this has to be an inside job with Cashapp employees or hired hacker. How was they able to get through XXXX and XXXX XXXX. They got through my account password, my pin and cash pin, my finger print, notifications via email & text, and the supposed Secure lock? Not only that it shows {$0.00} spent in the month of XXXX on the activity log for my Cashapp card. Is the company 's security that weak? Since it's happening with so many people it seems like their aren't properly protecting peoples information and it's indeed not secured. I got with customer service demanding answers and my money back. All they kept doing was transferring me to different agents with all of them saying that they couldn't do anything and that they will need to get it to a specialty team. They could not give me a eta on when this will get resolved other than a reference # XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I received a notification from a credit monitoring agency regarding a hard inquiry from XXXX XXXX on XX/XX/XXXX. This inquiry had incorrect employment information as well as incorrect address listed. I called XXXX XXXX Fraud department, who stated they were unable to locate any account with my information, including my social. They then gave me another phone number associated with the applications department who was able to locate an outdated account from XXXX. They stated there are no open accounts or inquiries. This is false, as have a current credit report with a hard inquiry from the XXXX of XXXX. They did not escalate the issue, and were unable to resolve or dispute the inquiry. I have frozen my credit and will be filing a Fraud report with the FTC as well.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2023-06-05
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. (GA)

1. I was trying to buy a home and realized that i had damages on my report. According to 15 U.S.C 1681 laws there should not be any damages on my credit report. its a defimation of my character. 

2. In 2021, I purchased a car and to my surprise I see several hard inquiries for the same loan and I never gave permission to this. The only company that had permission to pull my credit report was XXXX XXXX as they were financing my loan. The dealer finance department did not communicate this with me, and made several fraudulent puls on my account, They took advantage of the fact that this was my first time purchasing a car. I came in with a pre-approval offer from XXXX XXXX. I did not authorize XXXX XXXX  Inquiry : XXXX XXXX, 2021 ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2021
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Requested a recent copy of my updated report notice there was an account I never authorized to be open that was opened. All my other accounts are paid in full or either great payment history due to payments being made on time. I am requesting removal of all inquires, addresses and the listed account.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXXXXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by 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 : Timely Payments Made : I submitted my payments and prior payments on the due dates, with confirmations showing the payments were processed before the due dates. 
Clerical or Processing Error : There appears to have been a clerical error or delay in processing my payments on XXXX 's side, which resulted in the account being marked as 30 and 60 days late. Despite providing bank statements and payment confirmations as evidence, this incorrect late payment entry remains on my report. 
No Notification Received : I never received any notices or warnings from XXXX regarding these supposed late payments. This lack of communication further supports the claim that the late payment entries are erroneous and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 XXXX
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

THIRD REQUEST IN RESPONSE TO COMPLAINT XXXX - Dear PORTFOLIO RECOVERY ASSOCIATES, CREDIT CARD STATEMENTS ARE NOT PROOF OF DEBT OWNED. I am writing again in response to a recent letter from your office claiming that I owe {$21000.00} to Portfolio Recovery Associates, with reference number XXXX. I am disputing this debt and requesting validation based on the following facts, in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Pursuant to the FDCPA, I would like the following provided : - The Name and Address of the Original and Current Creditor - The Purchase Agreement showing my Name and Signature The original Contract between myself and the creditor showing breach of contract including my signature Signed Agreement debtor has made with Debt Collector, or verifiable proof debtor has a Contractual obligation to pay debt collector -Verification of the Debt Amount that YOU are seeking to collect SHOWING that a CONTRACT exists create the amount that YOU CLAIM is OWED -All the assignments SHOWING the debt transfer from the ORIGINAL creditor to the CURRENT creditor- Please provide me with PROOF that the debt was SECURITIZED by the ORIGINAL creditor -Please show the ASSIGNMENTS of the debt from the ORIGINAL creditor to the SECURED TRUST and then back to the ORIGINAL creditor Was this Debt assigned to a debt collector or purchased? XXXX XXXX from XXXX collector XXXX XXXX was Purchased In the results of your investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? As of XX/XX/year> you have NOT provided me with a copy of ANY ORIGINAL documentation ( a consumer contract with my signature on it ) as required under SECTION XXXX ( A ) ( XXXX ) ( A ) & SECTION XXXX ( A ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under SECTION XXXX ( A ) ( XXXX ). PLEASE BE ADVISED THAT UNDER SECTION XXXX ( XXXX ) ( A ) of FCRA, you are required to " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. '' The law is very clear as to the Civil liability and the remedy available to me ( SECTION XXXX & XXXX ) If you fail to comply with XXXX law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX and XXXX is blatantly lying about sending me requested documentation on or about semester XXXX. I have not received any information from XXXX and XXXX and was treated very poorly and rudely from their customer service reps via phone, who stated that they will not waste their time with me. Thank you for your immediate cooperation, XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I've been dealing with disputing inaccurate information and accounts on my credit file with them for over six months, and still no improvements. When I log into my paid credit file subscription it shows that I have NO collection accounts, and when I call the customer service dispute department, the customer service representative also confirms that I have NO collection accounts on my Equifax credit file. But when I'm applying for credit, it reported me having a list of COLLECTION AGENCIES on my credit file. Please see the attached documents showing the inaccuracies. One document shows that there are NO collections on my credit file but when informed by other creditors, it's reported to them as COLLECTIONS AGENCIES on my credit file. The other documents will show the names of the collection agencies. I've been battling this issue for over six months and want the inaccurate information DELETED from my credit file.