davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of 2022 I bought a car and used Bank Of America to finance the car loan. Right after I got the car loan, I put {$10000.00} towards the payment so I would not have future payments for quite some time. This is not the first time Ive done this, so I called the bank to ensure that they understood what I wanted. I told the bank that I wanted {$10000.00} to go towards principal as well as interest as if I was making payments. A few weeks later, I noticed That the payment of {$10000.00} went straight to principal. I called back and verified and put in a complaint to have the payment reversed and put towards principal and interest. The bank told me it would take XXXX to XXXX business days to complete. A week later, I checked again and still no change. I proceeded back three times with the exact same thing every time. Now two years later, I got informed that I was delinquent on payments for the last two months and then my payoff amount was {$2000.00} more than my principal amount. This is due to interest accruing over the last two years since I had not paid a payment. I called last week to get this corrected and was told the same thing it would take XXXX to XXXX Business days. I was also told that my 10 day payoff amount would lower to be closer to the principal amount. I checked again today and there has been no changes to the account. I called again today got hung up on and finally got a callback from a representative, That was very friendly and helpful. She help me through a lot of things, but in the end told me that what I was told two years ago, its not true and that my Payoff amount Was still going to be {$2000.00} more than principal due to the fact that I had not paid interest for two years. This directly contradicts what I was told two years ago when I put the {$10000.00} as my first payment. I am very satisfied with Bank of America, as I was told and meant to believe a false notion. I am a service member that is just trying to trade in my car and close this loan before a month now Ive been working to get my payoff where my principal amount is. This is not my first time doing this, and every other bank that Ive ever worked with had no trouble. Frankly, I feel like I am getting conned and what I was told two years ago was not correct.
Consumer complaint received 2024-10-23
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. (NH)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (MI)

My daughter was hospitalized briefly on XX/XX/XXXX for a medical concern. The hospital took all of our health insurance information upon intake- for which we had XXXX XXXX and were fully covered at the time. 

Apparently, a third party rendered services on that day, and did not bill my insurance for whatever the reason -- but, for which I was unaware. 

Later this third party medical provider allegedly attempted to retrieve their debts from us by sending medical bills to the wrong address ; and I just found out about it from a collections agency. 

I contacted the collections agency today ( XX/XX/XXXX ) who informed me that the medical bill had not gone through our insurance, and that I was now responsible to pay for it or resolve the matter with the third party medical provider. 

The third party medical provider is out of business, and their phone number is disconnected. 

I paid my co-pay for the hospital visit from that day, and am under no obligation to owe this debt, and would have been resolved had I been made aware that this was happening.
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. (NY)

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 XXXX XXXXXX/XX/XXXX, was not made by XXXX XXXX. These inquiries were placed on the consumer report of XXXX XXXX by XXXX, XXXX, EXPERIAN fraudulently and by way of identity theft. It was a violation of 15 U.S. Code 1681c2 in the very least. XXXX XXXX never gave XXXX written consent as according to U.S.A. law, to furnish the inquiry information on the consumer report. No evidence of such written consent is in existence.
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. (TX)

XXXX. I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX XXXX / Accounting number : XXXX
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
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. (GA)

I am writing to formally dispute and request the immediate blocking and deletion of two accounts that have been fraudulently opened in my name and are currently listed on my Experian credit report. I have recently reviewed my credit report and discovered the following unauthorized accounts, which I believe to be a result of identity theft : 1. Account Name : XXXXXXXX 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 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 Reported Balance : {$1300.00} I hereby confirm and affirm that I have no knowledge of these accounts, nor have I authorized anyone to open any accounts in my name or on my behalf. The presence of these fraudulent entries on my credit report is not only incorrect but is damaging my creditworthiness and causing me undue stress and financial harm.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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. (FL)

My account with XXXX, XXXX  XXXX, and 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 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. XXXX, XXXX XXXX, and 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 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

This account was opened fraudulently by the reporting agency I don't owe them anything. They tried to get me into a XXXX year contract. You pay in front to start a policy. I told repeatedly the operator that I wanted a month to month. policy. He was yes, yes you'll not have a contract. If you're late they immediately send you a warning that they will cancel your policy if you don't pay that particular month. Therefore I'm sure I don't owe them anything. The policy was cancelled when I stopped paying for it. I also called to cancel my policy was still current. I didn't have any balance pending. Their allegations are that I was told. Which I never was, But I never have had a contract with any insurance, I pay as I use it a month to month.
Consumer complaint received 2024-08-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

Dear CFPB Representative, I am writing to request your assistance in resolving an issue with my mortgage company, Pennymac loan service, regarding the reporting of late payments on my credit report. During the COVID-19 pandemic, I entered into a forbearance agreement with Pennymac loan service, which was part of a COVID-19 forbearance modification plan.

The forbearance was agreed upon to help me manage the financial difficulties caused by the pandemic, and I have since resumed regular payments as per the modified terms. However, I recently reviewed my credit report and noticed that late payments were reported during the forbearance period. This reporting is not only inaccurate but also negatively impacts my credit score and overall financial health.

I believe these late payments should not have been reported, as they occurred during a period when my mortgage payments were on hold due to the forbearance plan. Under the CARES Act, mortgage servicers are required to report accounts in forbearance as current if the account was current when the forbearance was granted. My account was in good standing before the forbearance was initiated, and I have made every effort to comply with the terms of the modification.

I have attempted to resolve this matter directly with Pennymac, but I have not yet received a satisfactory resolution. Therefore, I am seeking the CFPBs intervention to help ensure that my credit report accurately reflects my payment history.
Consumer complaint received 2024-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX due to their failure to properly credit same-day payments made through their online payment system. This issue results in late payments being reported to the credit bureaus, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and federal credit reporting laws. 

Under the FCRA, creditors who report to credit bureaus must provide accurate information and must correct or delete any information that can not be verified as accurate. Specifically, XXXX5 U.S.C. 1681s-2 ( a ) mandates that furnishers of information to consumer reporting agencies, such as XXXX, have a duty to provide accurate information and update or correct any inaccurate information. Furthermore, if you dispute an item on your credit report and the furnisher fails to adequately investigate and respond, they violate the FCRA. XXXX 's failure to properly credit payments and their lack of response to disputes through credit agencies or direct communication is a breach of these obligations. 

Additionally, creditors are required to adopt reasonable procedures to ensure accurate reporting of account status. XXXX 's failure to credit same-day payments accurately leads to false reporting of late payments, which is both misleading and damaging to my credit report. The FCRA ensures that every consumer has the right to dispute inaccurate information and requires the furnisher to conduct a reasonable investigation into the dispute. XXXX 's actions not only obstruct my ability to maintain a fair credit report but also directly violate federal law by not validating the debts when requested and by failing to respond properly to disputes. 

I demand that XXXX remove the late payments from my credit report as their practices violate the FCRA. If they continue to report inaccurate information or fail to correct their systems to prevent further errors, I will pursue all available legal remedies under the FCRA, including seeking damages for any harm to my credit reputation.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TX)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-26
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: SANTANDER HOLDINGS USA, INC. (AL)

I HAVE CONTINUED TO DISPUTE THE REMOVAL FROM OLD CHARGED OFF CREDIT THAT WAS REMOVED DURING BANKRUPTCY AND THEY REFUSE TO REMOVE THIS INFORMATION FROM MY CREDIT.
Consumer complaint received 2024-08-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pacific Credit Exchange Corporation (CA)

I am writing to formally lodge a complaint against Pacific Credit Exchange. They have been engaging in practices that I believe violate my consumer rights under federal law. Specifically, Pacific exchange has reported without providing me with the required validation information, as mandated under 12 CFR 1006.34 ( B ) ( 5 ). I have not been given any opportunity to dispute this account as required by 12 CFR 100.634 ( C ) ( 4 ) ( I ).

These actions by Pacific Credit Exchange Constitute a violation of my consumer rights by using false, misleading, and deceptive means to collect a debt. Their failure to adhere to these legal requirements has caused me significant distress and has adversely affected my credit standing.