davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

There is nothing fair or conscionable about a former creditor deliberately and avoidably delaying to collect on an alleged debt for more than forty ( 40 ) years that, if it was a valid debt, would be close to fifty ( 50 ) years old, TODAY.

I received a statement from ECSI on XX/XX/XXXX, requesting payments, commencing XX/XX/XXXX, for a 30-day past-due student loan that I did not owe. The letter implied that I had an active student loan that was on a payment pause, and that I missed my recent student loan payments. The letter continued to state that interest has accrued during the months of missed payments. Based on the balance of the alleged student loan, it has been accruing interest for almost half a century. 

I called ECSI on XX/XX/XXXX. During my conversation with XXXX regarding the alleged debt, she said it was from XXXX. I immediately disputed the debt. She offered to mail me a copy of a promissory note as proof of the alleged debt. I advised XXXX that I needed more than a promissory note to confirm or validate their alleged debt. I asked her about emailing me the information to prove the alleged debt, and XXXX said there was no way to exchange information electronically. 

On XX/XX/XXXX, I received a nearly 50-year-old promissory note with a cover letter and pages that were impossible to read. It was dated and post-marked on XX/XX/XXXX. I did not receive anything showing a payment history, which indicates they do not have or are withholding my payment records. The cover letter had no signature, which was suspicious, and further questioned their use of a 50-year-old promissory note to try to validate the existence of an alleged debt, TODAY. 

Prior to receiving the promissory note, ECSI had already entered this alleged debt into the credit bureaus altering my credit profile. 

It seems fraudulent that anyone would wait nearly 50 years to collect an alleged debt. Why the unreasonable delay? Forty years ago I could have provided proof that I no longer owe this debt, and after twenty years there was no need to keep proof of the payment. I was not living out of the country, incarcerated, or institutionalized. I have been a functioning member of society, and a member of the XXXX XXXX XXXXXXXX. 

ECSIs negligence and failure to notify me of an alleged outstanding debt forty ( 40 ) years ago that they are claiming still exists fifty years later, is unreasonable and inexcusable. This unreasonable delay has resulted in a material prejudice against me by creating an unfair advantage because their delayed actions have prevented me from being able to defend myself by providing any proof that the original debt no longer exists.

This alleged debt must immediately be permanently removed from my record ( s ), specifically the credit bureaus.
Consumer complaint received 2024-05-28
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. (IL)

I am writing to formally dispute fraudulent information that continues to appear on my credit report. Despite my previous dispute, the following accounts, which I did not open or authorize, remain on my report. I am requesting a thorough re-investigation of these accounts under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-05-30
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. (IL)

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2024-05-30
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)

In regards of my repeated attempts to rectify these issues directly with the credit reporting agencies and the respective financial institutions, these inaccuracies remain unresolved. I have contacted the credit reporting agencies and the financial institutions involved to dispute these fraudulent items. I have provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. Despite these efforts, the fraudulent items remain on my credit report, causing significant damage to my credit score and financial standing. I want the immediate removal of all fraudulent items from my credit report. The presence of these fraudulent items on my credit report is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting for your intervention to ensure that these inaccuracies are corrected promptly and that my credit report accurately reflects my credit history. Please help me remove the following negative items : 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 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
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

My mortgage was with XXXX during this time with XXXX there was a mix up with my escrow stating that the escrow account had a shortage of XXXX. XXXX did a escrow analysis and found that the shortage had been paid this happened in XX/XX/XXXX.So now that XXXX transfered my loan to Loancare in XX/XX/XXXX Loancare is stating I have a escrow shortage.I have reached out to Loancare they did a escrow analysis stating i have the shortage.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I need immediate access to my funds from the account closure cashiers check Bank of America mailed to me but I havent received. I have waited over 30 calendar days for my account closure cashiers check in the amount of XXXX in the mail but it hasnt came. I choose to not wait any longer. I need immediate access to my funds from the account closure check Bank of America issued to me and supposedly mailed to me. I have waited a reasonable timeframe for the cashiers check in the mail and I cant afford to wait for my funds any longer. BOA said it was mailed out on XX/XX/24 but I havent received check or seen the check in my USPS informed delivery. I understand Bank of America isnt responsible for USPS mailing delays but they havent offered me a reasonable alternative to access my funds either. I have been patient and have waited a reasonable timeframe for the check to come. Im entitled to my funds and I would like access to them. Bank of America has failed to offer me fair and reasonable methods to access my funds after repeated request. I have been patient with and haved waited 30 days and I cant wait any longer. Im a small business owner and I need my funds. I appreciate Bank Of America addressing my first complaint and reopening my account, so that should make it easier to access my funds instead of waiting. This complaint is strictly regarding my account closure cashiers check that I havent received and the access to the funds from that check. I need my funds immediately and I cant stress this enough. I also cant wait 120 days for another check to be reissued. Thats totally unreasonable and unacceptable. Bank Of America issued the cashiers check so I need Bank of America to give me access to the funds from that check.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (AL)

I looked at my credit report and noticed that there were fraudulent accounts, incorrect public record reporting, as well as, numerous errors in the addresses, telephone numbers, and employment information on my credit report. I then filed several disputes with the furnishers of the information by way of the credit reporting agencies. I then sent additional information to the creditors after they requested it. I did inform them that the items were because of Identity Theft and I also sent in the proper documentation in the form of a Federal Identity Theft Report, A Dispute Affidavit signed and notarized informing them of what I was requesting, per my rights as a consumer under the FCRA ( Section 623 ( a ) ( 6 ) and Section 623 ( a ) ( 2 ) ) ( Section 605 ( B ) and Section 605 ( f ), the accounts that I was requesting to be blocked or deleted because of the ID Theft, ( Section 623 ( b ) ( 1 ) ( E ) ), as well as the remedy for the effects of the Identity Theft. Both the credit reporting agencies and the creditors themselves. received copies of all this information and for the most part, they both basically ignored the laws of the Federal FCRA 15 USC Section 1681-1681y, Section 623 ( a0 ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Reporting Inacurate Information 623 ( e ) Accuracy of Information Provided by CRA and the finishers of said information.623 ( a ) ( 2 ) Duty To Correct and Update Information These are some of the laws that they have broken.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am filing this complaint to bring to your attention that Equifax is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) from appearing on my consumer credit report as result of identity theft and fraud within 4 business. While other credit bureaus have promptly removed these fraudulent accounts without issue ( see attached proof ), Equifax continues to report this inaccurate and damaging information.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am demanding this to be removed immediately XXXX  XXXX XXXX. It's not fair that I have to continue to have false information with criminal people that TransUnion LLC knows is criminal and capable of murder and information is not correct it continues to report and present information that is not correct. And I'm demanding it be removed now like I said before the end of the year of petition will be filed and I'm asking for XXXX  of dollars for damages that y'all are responsible for causing and conspiracy to commit murder, aiding and abetting, and participating in crimes perpetrated against me which is illegal.
Consumer complaint received 2024-08-19
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. (IL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, TransUnion, permanently block and remove these accounts appearing on my consumer credit report FILE NUMBER : XXXX that are a result of identity theft and fraud within 4 business days of receiving this complaint.
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upgrade, Inc. (WY)

I had a personal loan through upgrade clear back from XXXX. I made payments on it and then stopped getting communication from upgrade. So I called them and they had sold the account to XXXX XXXX XXXX. Well I called several times leaving voicemails and then went on their website and sent email communication. I was trying to set up a plan with them since XXXX of XXXX. To this day XX/XX/XXXX I have not received an email or call or anything in the mail. Then the first week of XX/XX/XXXX I got a collections notice from XXXX XXXX XXXX XXXX stating that XXXX XXXX turned me over. I tried for 6.5 months to get a pay plan and the letter from XXXX XXXX XXXX is the first contact I have had from anyone. I never got anything from Upgrade stating that they had turned it over to XXXX XXXX.
Consumer complaint received 2024-08-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (FL)

Purchased {$200.00} prepaid debit card XX/XX/year> for {$200.00} Kept card in locked desk drawer. 
Went to use card on or about XX/XX/year> only to find card has no stored value. 
Called issuer. 
Issuer said someone had made use of my card funds earlier in the week of XX/XX/XXXX. 
Filed all paperwork required for replacement of card on same day I discovered the fraudulent use. 
Card issuer acknowledged they received ALL required information. 
A few days ago card issuer mailed me a new debit card ( ending in XXXX ) very much like the one that had been fraudulently emptied however in checking the balance I find that the card they sent me had no funds loaded on it. 
I am out {$200.00} and they have had a full month to do the right thing and provide a refund however they have chosen not to do so
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of various accounts that appear on my credit report as the following : 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  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-09
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XX/XX/scrub>/24 Experian, XXXX, XXXX Subject : Dispute of Late Payment Report Request for Correction Dear Sir/Madam, I am writing to formally dispute the accuracy of a late payment entry on my credit report. The specific entry in question is under the account [ Account Name # XXXX ], reported by [ XXXX XXXX XXXX ]. According to my records, the information is incorrect, and I am requesting an immediate correction. 

**Legal Basis for Dispute : ** 1. **15 USC 1681 ( a ) ( 1 ) ** : This section mandates that credit reporting agencies ensure the accuracy and fairness of the information contained in consumer reports. The erroneous late payment entry on my report is neither accurate nor fair.

2. **15 USC 1681 ( a ) ( 2 ) ** : This section emphasizes the need for the reporting system to be fair and equitable . Reporting an incorrect late payment undermines the fairness and equity intended by this law.

3. **15 USC 1681 ( a ) ( 3 ) ** : It is required that consumer credit reports are to be used in a manner that is appropriate and just. An incorrect late payment mark is an inappropriate and unjust use of my credit information.

4. **15 USC 1681 ( a ) ( 4 ) ** : The section outlines the importance of maintaining the confidentiality, accuracy, relevancy, and proper utilization of credit information. The current late payment entry fails to meet these standards, particularly in terms of accuracy and relevancy.

5. **15 USC 1681 a ( d ) ( 2 ) ( A ) ** : This provision excludes certain types of consumer information from being reported if they do not meet the criteria for accuracy and completeness. Given that the reported late payment is inaccurate, it should be excluded from my report.

6. **15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) ** : The code specifies that information must be reported with maximum possible accuracy. As this late payment entry is erroneous, it fails to meet this criterion and must be corrected. 

**Requested Action : ** In light of these regulations, I request that [ Experian, XXXX XXXX XXXX XXXX investigate and correct this error promptly. I have attached relevant documentation ( e.g., payment receipts, correspondence with the creditor ) to support my claim. 

Please provide written confirmation of your receipt of this letter and an update on the status of my dispute within the time frame mandated by the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. Should you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My accounts 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 to be removed/updated.

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.

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!