davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with 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 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 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 2021-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I called wells fargo to file a claim due to there being over {$700.00} dollars overdrawn in my checking account that i did not make. The person in claims and i verified i did nit make alot of the charges. He said he would file the claim and send me a new card and account nmbr, which he did. The charges were all in XXXX. I waited XXXX weeks and called to get status on my claim, and they ssid it was denied. By now the amount was over {$900.00}. The letter i got said that i had to give my card info and pin number to family member, or authorized the use of my card to someone. Everything overdrawn in my checking is not by me, i will not pay it back, can you help me? My daughter and i were homeless XXXX yrs ago, i worked hard to start over, i can not afford this, i didnt do it.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (IL)

On XX/XX/year> approximately XXXXXXXX XXXX I received a call from Aspire Credit card, regarding missed payments. I explained my Situation with the caller why I didnt make my required payments how ever I have made smaller payments that I can afford. I explained to her that I have some serious XXXX issues right now, and 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are very costly, and Im on a fixed income, so therefore I can not make the payments they are asking, I intend though to make payments of what I can afford to pay. This is the 5th time I mentioned this to them, yet they keep calling and asking for my regular payment to get the acct current. I mentioned again that Im on these much needed XXXX andCANNOT afford to make my reg payments, however I can make smaller ones that I can afford. What part dont they understand? Its not that Im not intending or have not to make my smaller payments, I will pay them what I can afford
Consumer complaint received 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Harmon Law Offices, P.C. (MA)

This here Complaint is to take Notice of the Recently received " Foreclosure Sale Accounting '' from Harmon Law Offices, PC, which is full of FALSE information, including a non existent escrow account from over 10 yrs ( past any statute of limitations ) ago, non existent Inspections {$620.00} when there were Never any inspections by this party. Also, a Suspense account that is illegal, a mention of " Other Costs '' which does not state what they are, and also Publication costs of {$4500.00}. there is no way with the prices listed on this attached Price Rate sheet that Harmons publication costs can possibly be true. Please see the ATTACHED advertising XXXX XXXX pricing sheet with Harmons Letter of how insanely FALSE this so called accounting is. as stated from Harmon Law. Please see Attached. This is all false information RECENTLY received by me. Harmon Law Offices is working with XXXX XXXX to sell for pennies on the dollar-like prices and also this the XXXX XXXX  realtor XXXX XXXX is using a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to do wrong doing while hiding her own name, by signing homes over to XXXX whom has the business card showing XXXX XXXX XXXX and now the claiming to own my home now stated on reg deeds record ( ignoring my Trust and Homestead on record in Deeds office ), as being D Management XXXX XXXX XXXX, giving them their own deeds, while she evades highly potential prosecution and litigation for these illegal purchases/ sales. Lastly, the attached advertising rates sheet is dated XXXX of XXXX so that it IS accurate to this time. No way is the foreclosure accounting in this Harmon letter possibly Accurate, this is another Harmon Law on behalf of XXXX XXXX XXXX XXXX, XXXX. attempt to illegally foreclose on me and throw me out into homelessness for profit. I am XXXX yrs old XXXX  and XXXX and including XXXX XXXX affected by this ongoing severe duress see this law Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), I will not be abused by these predators. Lastly XXXX XXXX XXXX XXXX, XXXX. is not registered to do business in the state of MA. And also the mortgage And the promissory note is Obsolete. I have this whole foreclosure auction sale of XXXX on recorded disc.
Consumer complaint received 2024-09-20
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: EQUIFAX, INC. (MI)

On XX/XX/2024 The credit bureaus stated XXXX XXXX was properly investigated, that I did not supply enough proof. Please see my police report thar verified my complaint. Also I tried several times to upload this information on experian site and would not work. I am a Victim of fraud and identity theft and I feel that I have been treated unfairly and like a liar. This has hurt my credit and continues to cause anguish in my life. 


This is ground for removal. They also violated my rights under 15 U.S.C. 1681 SECTION 604 A SECTION 2 The law clearly states a consumer reporting Agency can not furnish a account without my written instructions. I have not given this account written permission to furnish this account on my credit report. This account is currently closed and under investigation from kohls and correcting all fraudulent charges.
Consumer complaint received 2021-12-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Paramount Capital Group, Inc. (UT)

I took a loan out with them to get my semi truck license. They tell us if we don't pay the loan they take away our license and put us in prison for non payments. They also never have a set amount on intrest like when I pay XXXX one month XXXX will go to intrest and then the next month only XXXX will go to intrest the next month. They will also hound me call when I first got the loan called ever 30 minutes back to back XX/XX/XXXX. I also got an email from a trucking company saying they like to higher me and they take on my loan. Im wondering if they sold information on my loan to other trucking companies without my permission. Recently they been calling me when I'm sleeping as I work nights. An because of its been braking my XXXX hours of sleep I need to operate my semi truck safely. The intrest rate is also never the same amount it always changing every time I pay. I also have not gotten a email or mail saying how much went to intrest and how much went to the the principal. Since this XXXX and there are some month where I never got the mail or email on the loan. Also they changed address and never up date the paperwork I used to get In my email. I had to call them to get where I was to send the payment to by mail and it was frustrating. Some time I send them a money order in the mail around the XXXX or XXXX and they won't deposit it till the XXXX or XXXX of the next month and clam it was late an such. I did that for a few months before I got sick and tired of them sending me an email saying it was late then not deposit it till later. know I have pay about XXXX in total so far and the loan was only XXXX if I remember right. An even working with them is hard as they sometimes will give me XXXX for over paying them at times. They also never told me what the total amount for of money that be for interest. The paper says it's 18.99 % but never said the amount of interest is like XXXX I believe is about the interest. I have also heard from other truck driver will pay it off an the loan an the company will reopen the all ready pay loan again for no reason. I'm wondering if i have all ready pay off the interest and they are just tackle more on. I was also looking at my state license so they have a license for debts collectors and another one but there corporations license has been expired since the XX/XX/XXXX. Doses that affect them being able to do business here? Know there over charge me and there not telling me how much I have left on intrest only how much is on the principle. An I thought it was supposed to be group together as a total. As when I bought my first car they had shown me intrest and values an other stuff add together to show the total I was to pay.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XX/XX/XXXXXXXX XXXX Hard inquire was added to my credit report without my knowledge, also another Hard inquire was added to my credit report XX/XX/XXXX which was XXXX XXXX. Highly disappointed that this has taken a toll on my credit and prevents me from making better financial decision, would need this problem resolve and would like to move on financially.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with was never late! I have had exceptional payment history witH 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 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 XXXX  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! 
XXXX5 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. 

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 XXXX XXXX XXXX and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-12
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: Experian Information Solutions Inc. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-19
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)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Dear XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter
Consumer complaint received 2024-08-27
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. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : XXXX XXXX Code ss XXXX ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( XXXX ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX NOT MORE UPDATES, REMOVE LATE PAYMENTS OR REMOVE THE ACCOUNT
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (AL)

Based on, 15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 . These accounts have violated my rights. Pursuant to 15 USC 1681 section 602 A states I have right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : it also states a consumer reporting can not furnish accounts without my written instructions. I am requesting the original copy of the agreement and terms and condition. Failure to comply will forfeit your claim and will require you to delete all the list of items above. You are required to do what I am asking and block these trans actions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE
Consumer complaint received 2024-09-12
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-20
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.