davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XXXX  I graduate from high school and opened a bank account with BOA. Bank of America, and later on I was working and trying to get the process of going to college. But a call came to an old phone I had and a check came to the mail. I was surprised of how much it was and I went to the bank to see it was real, ( in person ) and they ended up closing my account because it was something with fraudulent, Im not sure what it was, but it came in the mail, and I wanted to cash the check. Something about a company, I cant remember, but ever since then I tried opening an account with XXXX  and they rejected me. Ever since then I was just working and I felt like I didnt need a bank account. As I got older, I realized that I needed an account and I checked my credit report because I did reported the fraud scam and it turns out they been making transactions 2 years later, which wasnt me. I was confused and now Im not sure if Im in debt but I need help getting my life back together, and start getting my credit higher and being able to change my social and try to open a bank count, anything would be helpful
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

On XX/XX/XXXX a letter was sent to me from Midland Credit Management claiming that I owed {$500.00} for a a XXXX XXXX  XXXX XXXX 's account. Per the FCRA, I should have had 30 days to dispute these claims but the letter gave me until XX/XX/XXXX, however didn't even receive the letter until after that date. I sent in my dispute and it was received within 30 days of the date of the original letter on XX/XX/XXXX. I included tracking and signature required on the dispute letter to Midland Credit Management. And the proof of delivery on XXXX 's website, states it was delivered to their mailroom and signed for in XX/XX/XXXX. I did not hear back from Midland Credit Management regarding the dispute and none of the information I requested was received. The only thing I have received from Midland Credit Management was another debt collection letter dated XX/XX/XXXX. From the date my dispute letter was received by Midland a credit Management XX/XX/XXXX to the date I received my next credit collection letter ( not verifying the debt ) on XX/XX/XXXX. that is 55 days. The FCRA says that if a debt can not be verified in 30 days then all collection activity must stop until it is verified. Midland Credit Management violated my rights by sending a second collection notice on XX/XX/XXXX without first verifying and responding to my dispute on XX/XX/XXXX.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MP)

In my chase on line payment I found out of a debt that is in collection. I filed a complaint on Experian case # XXXX and case # XXXX, but did not receive any information as to the origin of the debt. I have not opened any new credit cards for the past XXXX years so I was surprised that I have a debt for the amount of {$920.00}. I wanted to know the original debt so I can resolve this issue, I did not receive any written notice of this debt and when I made a complaint the information I asked for was not given. I have paid off the majority of my debts and only have 2 credit cards that are active. The collection report have affected my credit score which I do not appreciate after I have worked so hard to keep clean
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc. (MD)

I am filing this complaint against XXXX XXXXXXXX for violations of the following laws and regulations in their debt collection practices : 12 CFR 1006.34 ( b ) ( 5 ) : XXXX XXXXXXXX has not provided me with validation information about the alleged debt, despite placing a collection notice on my credit report. 

12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been given a reasonable opportunity to dispute the validity of this debt before it was reported to the credit bureaus.

12 CFR 1006.34 ( d ) : XXXX XXXXXXXX is furnishing information about this account to consumer reporting agencies without providing the required disclosures, including my right to dispute the debt.

15 USC 1681s-2 ( a ) ( 7 ) ( A ) : The information being reported to the credit bureaus is inaccurate and misleading, as I have not been given the chance to dispute it.

15 U.S.C. 6802 : XXXX XXXXXXXX has disclosed my nonpublic personal information to third parties without providing the required notice under the Gramm-Leach-Bliley Act. 

I believe XXXX XXXXXXXX is engaging in deceptive and unfair debt collection practices that violate my consumer rights. I request that the CFPB investigate this matter and take appropriate action to protect me and other consumers.
Consumer complaint received 2024-05-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC (TX)

As a diligent consumer, I have been meticulously monitoring my credit report to ensure its accuracy and integrity. However, I have recently encountered concerning discrepancies related to Williams Rush & Associates, an entity whose presence on my credit report lacks clarity and legitimacy. 

The primary issue at hand revolves around the fluctuating amounts attributed to Williams Rush & Associates on my credit report. Despite my efforts to maintain a meticulous financial record, the figures associated with this entity have been consistently changing, leading to confusion and frustration. These erratic adjustments not only undermine the reliability of my credit report but also cast doubt on the integrity of Williams Rush & Associates ' reporting practices. 

Furthermore, I wish to highlight the absence of any contractual agreement between myself and Williams Rush & Associates. To the best of my knowledge, I have never entered into any form of agreement or engagement with this company. Therefore, their presence on my credit report is not only erroneous but also lacks a legal basis. 

This lack of a contractual relationship raises significant questions about the legitimacy of Williams Rush & Associates ' claims and the basis upon which they are reporting information to credit bureaus. Without a clear contractual agreement or authorization from myself, their actions appear unjustifiable and potentially in violation of consumer protection laws. 

In light of these concerns, I am taking the necessary steps to address and rectify the inaccuracies present on my credit report. I intend to dispute the information attributed to Williams Rush & Associates and request a thorough investigation into the matter to ensure the integrity and accuracy of my credit profile. 

It is imperative that credit reporting agencies uphold the highest standards of accuracy and fairness to safeguard the financial well-being of consumers. I trust that this issue will be promptly addressed and resolved to restore the integrity of my credit report.
Consumer complaint received 2024-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

There are still {$500.00} in payments that are missing on these dates. 
where did these two payments go? I have sent the bank statements to all parties involved. XX/XX/scrub>XXXX XXXX XXXX DEPT EDUCATION STUDENT LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT EDUCATION STUDENT LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

I have six separate loans serviced by Edfinancial, one of which ( Loan 4 ) was paid off in XXXX. On XX/XX/XXXX, I paid off Loan 5. I did not realize that my employer also made a payment that day, which had the effect of showing a negative balance, which was then and still is now a {$73.00} credit. 
I understood the cause of this issue and waited about a week before contacting Edfinancial to get this corrected, hoping their systems or a human would recognize the issue. That did not happen.
The rep I spoke to said she understood the problem and assured me the credit would be applied to Loan 6 shortly. 

I waited about six weeks, until XX/XX/XXXX, watching every day my Loans 1,2,3, and 6 accruing interest, while Loan 5 sat with an unchanging {$73.00} credit. On XX/XX/XXXX, I called and spoke with XXXX, who assured me she understood the problem and would send it to the finance team, where it would be resolved within 15 days. She also told me the prior rep had entered wrong details, and that was why it hadn't been resolved. 

I waited four weeks, until yesterday, XX/XX/XXXX, and called again. This time I spoke with XXXX. After putting me on hold a few times, he also assured me the finance team would handle this, but that the prior rep had been wrong, there is no 15 day timeframe. There is no timeframe for resolution, but, it wasn't abnormal for a problem like this to remain unresolved for 2.5 months. I requested a supervisor. He told me a supervisor would call me within 24 hours. That was a bit over 36 hours ago. Nobody called me back. 

I can not pay off Loan 6 until the credit from Loan 5 is applied. I would like to not accrue interest on a balance on Loan 6 that should be {$73.00} less for the last 2.5 months. I am concerned that if I ignore this error and pay off the recorded balance of Loan 6, that Edfinancial will simply move the {$73.00} credit from Loan 5 to Loan 6, replicating the problem. Mostly, I would like my student loans to be serviced by a firm that is competent to fix minor errors without several phone calls and a complaint through CFPB.
Consumer complaint received 2024-07-04
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. (HI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00}
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-07-04
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. (HI)

I am writing to formally dispute and contest the accuracy of certain account listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective bank associated with this account. I am pleased to inform you that after thorough investigation, this bank has acknowledged the errors and have agreed to update my account and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated this account on their records. Therefore, I kindly request that you expedite the process of updating my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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. (PA)

XXXX XXXX I contacted XXXXXXXX XXXX XXXX XXXX regarding their account on my consumer report. I requested a validation letter, verification, any and or disclosures or signatures stating account ownership. CFPB COMPLAINT ID : XXXX None of the documentation was provided. I request for this account to be removed from my account. I have consumer rights, anything information on consumer report must be accurate and complete. I have consumer privacy rights. 

FTC ACT FCRA ACT THE TRUTH LENDING ACT PLEASE REMOVE THIS ACCOUNT FROM MY CONSUMED REPORT IMMEDIATELY.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-04
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXX, XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX and all payments were placed on XXXX. 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 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 that are reported 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 XXXX days before the payment due date. 


XXXX XXXX, XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-03
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. (NY)

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.

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 informationisinaccurate.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX & XXXX CARD was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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