davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX ) XXXX  XXXX of attached doc shows XXXX ( XXXX ) monthly statements generated between XX/XX/XXXX and XX/XX/XXXX ; XXXX ) On p. XXXX of attached doc XXXX  for XXXX Section XXXX defines the repayment period as the period over which successive monthly statements are generated whereby the lender and/or servicer mails the generated MONTHLY billing statements ; XXXX ) An absence of billing statements generated implies no payment due for XXXX ; XXXX ) item XXXX ) is Corroborated on p. XXXX which shows XXXX XXXX own XXXX XX/XX/XXXX response to CFPB complaint XXXX and states : " Our office did not mail billing statements during the timeframe of XX/XX/XXXX, through XX/XX/XXXX, as billing statements were suppressed while the loan account payments were deferred. " ; XXXX ) Given item 1 ) and item 3 ), OR Given item 1 ) and item 4 ), OR Given item 1 ) and item 3 ) and item 4 ), a payment was not required for XXXX 2021 because the loan was in deferment ; 6 ) Given item 5 ) and/or item 1 ), the date of first delinquency is not 01 XX/XX/XXXX ; XXXX ) On p. XXXX first billing statement after exiting deferment is generated on or around XXXX XX/XX/XXXX ; XXXX ) On p. XXXX first billing statement after exiting deferment shows due date of XXXX XX/XX/XXXX ; XXXX ) Given XXXX ) and/or XXXX and XXXX, it is not possible for the loan to have been XXXX ( XXXX ) days or more past-due for the month XX/XX/XXXX and thus payment hist for XX/XX/XXXX is false/misleading/inaccurate and needs to be removed.
Consumer complaint received 2024-07-16
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. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX XXXX Date of Inquiry : XX/XX/2023 : Account name : XXXX Date of Inquiry : XX/XX/2023 :
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VT)

My account with 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 60 days 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 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 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 XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

According to 15 U.S.C. 6801-6809 the law clearly states " requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. XXXX, XXXX XXXX. XXXX, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. Under the Dodd-Frank Act, this rulemaking authority transferred to the Bureau of Consumer Financial Protection ( except with respect to certain motor vehicle dealers ), but the FTC continues to have enforcement authority. Subtitle A also requires the FTC and other agencies to issue regulations for the safeguarding of personal financial information ; this authority did not transfer. The Act also limits the sharing of account number information for marketing purposes. ''
Consumer complaint received 2024-07-16
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)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-16
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 reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I've submitted several requests for investigation on inaccurate accounts on XX/XX/2024 and XX/XX/2024, but the company has not started the investigations. Instead, they have stated that it appears as though my letter was sent by a third party ; however, there is no third-party company submitting my dispute letter. I've also called them on 5 different occasions between XX/XX/2024 and XX/XX/2024 to which they verified my account, by when I send my exact dispute letter, they send me the same generic letter. This is costing me a financial burden and is preventing me from obtaining a mortgage.
Consumer complaint received 2024-07-17
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (FL)

I was contacted by a collection agency called Credence concerning a debt owed on an account with XXXX XXXX XXXX XXXXXXXX .I never opened or set up equipment or ever had the service with XXXX XXXX it is showing up on my credit report as a debt owed from XXXX spoke with this company when I moved into my house in XXXX but decided to go with another internet provider because XXXX XXXX  wanted to ship the equipment out to me and I didnot want to wait on the process of me recieving the equipment and doing the self install instead i contacted another company and have been with them since XXXX and i have billing statements as proof this company is not happy that i chose another service provider and is now illeagally trying to get me to pay them XXXX I never signed anything or agreed to there service there eqiupment arrived i refused the box because at that point i had service with another company. I didnt even open the box or set up there equipment how could i be charged an early termination fee for a service i never installed never recieved a bill for and with no equipment could be charged numerous diffrent tv channels with out equipment. I called XXXXXXXX XXXX on wednesday XX/XX/XXXX and asked them to resolve this issue by sending me a written hard copy that there was no account issused under my name address or the account number i provided. I told the agent named XXXX that respectfully i would like to be provided this information and he refused he said he was from the collection deptartment but unforturnely he could not provide the hard copy or an email even though he searched his data base and found no record of an account with my information or the account number I provided to him.Apparently there is some type of fraud going on and i need it cleared off my credit i have XXXX the attempt to resolve ut with there collections department and because they are refusing I am filling a formal compliant and would like to know what other leagal means i have a right to because my information is being used and it is taking a lot of time and energy and effort that is costly to me to get this removed off my credit i am addressing this now because i recently applied for credit and this is comming up I would like it corrected please can you help it is very frustrating knowing that this is not a debt that i owe. I did let him know at the begining of the call that i was recording the call as proof that i reached out to get the matter resolved before filling this compliant he suggested that i do that.
Consumer complaint received 2024-07-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

after terminating my lease on XXXX XXXX and paying the required early termination fee, I received a move out statement that included unexpected charge. I never broke a countertop and requested XXXX XXXX to send me a detail proof, which they ignored and placed me on collection, then i sent them certified mail asking for the proof and they ignored again. 
all apartments look the same, i demand XXXX XXXX send me a video that incident occurred in my apartment # XXXX please remove the collection from my credit. it should not belong to me!
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/XXXX I mailed my lease payoff documents and a cashier 's check in the amount of {$54000.00} to Toyota Financial Services, at the location they requested. On XX/XX/XXXX they acknowledge they received my payoff documents, but didn't know where the cashier 's check was. The documents and check were in the same sealed envelope sent, and there was no notice or disclosure that it was tampered with before the mail was handed over to them by XXXX. Simply, they lost this check. They claim there is nothing I can do besides continue to pay the monthly lease payments and resend the check in 90 days ( Oregon State Law for stop payments/reissue of cashier 's checks ). Effectively, I have to continue payment the interest and rent payments for this lease monthly payment until I can send in a new check. I will have spent over {$2000.00} on these extra payments more than I should be since I sent them the documents. There is no refund, no support, or acknowledgement that XXXX takes accountability and that it is my burden to deal with. I have spoken to many agents and all of them gave me conflicting information. I asked if I could record their conversations because I was worried something like this would happen, and they said it was absolutely illegal. The customer should always be first, and this feels like fraud. Did they purposely lose my check so I had to squeeze in extra monthly payments so they profit more? Many others are complaining about this across the internet and the customer is always losing.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX systems is on my credit report with inaccurate information which that does not belong to me as well as XXXX XXXX XXXX, and comenity bank I do not owe any debt to them, or any other creditor. Im a victim of identity theft and this account is just many of its kind that has resulted to reporting to my credit report inaccurately and fraudulently to cause damage and hardship As of today XX/XX/year> it needs to be removed
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filed a dispute due to an on-line hacker scam, that tricked me into paying out $ XXXX dollars via XXXX, which is a Person to Person payment utility supported by Financial institutions. While it is an electronic transaction ( EFT ), it is not governed by Reg E - Customer Protection on EFT transactions. BofA is attempting to recover my funds, but they do not issue provisional credit and will take the full 45 days to investigate. I have also filed a police report ( XXXX ) with the XXXX Police Department, Officer XXXX XXXX, XXXX ; ( XXXX ). Also at issue is XXXX- they have NO direct access for consumers to report issues. They only have an on-line form to submit a complaint. My friend 's XXXX account was hacked and taken over and she had no ability to access and notify others of the scam she was subjected to. In hindsight, I realize I should have called her to confirm but since she was replying to me about the purchase of the truck, I had no reason to believe it wasn't her. Until this morning when I realized it was NOT her.
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (AL)

I am writing to formally request the removal of an inaccurate bankruptcy entry on my credit report. Despite multiple requests, the credit bureau has failed to provide satisfactory evidence or documentation validating the accuracy of this disputed item. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), this validation is required, and sufficient time has passed without compliance.

In my original complaint, I attached two letters from reputable sourcesXXXX and the bankruptcy courtboth clearly stating that they did not provide this information to the credit bureau. Furthermore, XXXX confirmed the deletion of this erroneous data from their system. The bankruptcy court explicitly stated they did not furnish the information to the credit bureau. 

Given the lack of validation within the statutory period and the compelling evidence of inaccuracy, I demand the immediate removal of this bankruptcy item from my credit report in accordance with FCRA guidelines. 

The continued presence of this incorrect information has had severe financial and emotional repercussions, including the loss of job opportunities.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

On Monday, XXXX, I, XXXX XXXX, attempted to log in to my account on the EXPERIAN website. I was denied access and given the reason of " incorrect password '' however my password has not changed and is saved into my browser settings. I then selected to " log in another way ''. The website prompts led me to have a verification code sent to my cellular phone, however, no verification code was sent. I waited patiently and tried several times. I assumed they may be having technical issues with their website so I abandon my efforts to view my credit score online at this time. Please note, EXPERIAN offers the service of viewing you personal credit score online for free at any time from their website and this message is part of their recording from their phone number XXXX. 
On Wednesday, XXXX, I, XXXX XXXX, again attempted to log in to my account on EXPERIAN.COM, and again, I was unable due to " incorrect password ''. 
Once again, I selected " log in another way '' and again I was not sent a verification code to my cellular phone. At this time I called their customer support number XXXX. I went through the automated process and elected to have an email sent to my email address on file to gain access to my account on the EXPERIAN website, however this link took me to the log in page where I was denied access due to " incorrect password ''. I called XXXX a second time and was told via automated customer service that I could purchase my credit score for {$7.00} and receive it in the mail within 10 days, or log on to their website and view it for free at any time. I have no other recourse but to file a complaint here because it is clear that EXPERIAN has and is denying me access to my account and confidential consumer information from their website. Also denying me a service they offer for free in attempts to charge me a fee. Please consider this report a sworn affidavit as I do hereby swear and affirm, this statement to be the truth and facts as they did occur.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I checked my credit reports ( equifax, and XXXX ) and saw a XXXXXXXX XXXX XXXX account past due in the amount of {$720.00} that I did not authorize opening or adding in my name. I contacted the XXXX multiple times in writing, letting them know that I was the victim of identity theft and I did not request this account and to remove this account, but they refused to even investigate the matter, stating, " My letters sounded like it was coming from a credit repair company. ''
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am filing this complaint regarding Capital One 's continued attempts to collect a debt that I am completely unable to repay due to severe financial hardship. The balance in question is {$2300.00} for an account ending in XXXX. 

Capital One closed my card without notifying me, and when I informed them that I was unable to pay, that was the last communication I had with them. Despite my financial situation, Capital One continues to send me emails demanding payment. I want to be clear : I do not have any money to pay this debt, and I will never be able to repay it. 

I previously filed a complaint with the CFPB, and Capital One responded by asking for more information, specifically which account was in question. They also mentioned that they tried to contact me but were unable to reach me at the phone number they have on file. However, they already have all the necessary information regarding the account and the balance.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, I am requesting that Capital One immediately cease all collection activities, including emails and any other forms of communication. Their continued attempts to collect this debt are not only causing undue stress but are also futile given my financial situation. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this debt be removed from my credit report due to my inability to pay. It is unfair and harmful for this debt to remain on my credit report when there is no possibility of repayment.

I am seeking the CFPBs assistance to ensure that Capital One complies with federal laws, stops all collection efforts, and removes this debt from my credit report. I need this situation to be resolved as I simply can not endure any more of this stress.