davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The Date Opened for this account on XXXX is XX/XX/year>. The Date Opened for this account on Experian and XXXX is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-18
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 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.

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
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (FL)

I found inquiries i dont recognize on my report XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-17
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)

I am entitled to request certified verifiable physical proof that i gave the consumer reporting agency my permission to furnish my information and provide the same proof that i was given the opportunity to opt out of my information being furnished by a consumer reporting agency and the agency ( Experian ) didnt provide me with any proof at all and i have the right to request proof of my permission and they are in violation of the FCRA by not providing proof and furnishing these accounts XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

Ive had XXXX $ saved my Venmo accounts for months now I need the money badly so I finally decided to transfer it now they have frozen my account and not let me access money I have rent due this is just not right they can just take my money like this I need hope pleas I beg Ive showed them my id and everything and that Im owner and my bank account statements can provide proof of anything if needed.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was scammed by a man, I have some contact info on him, but he had sent me checks to deposit to send him via XXXX or XXXX. The checks he had me deposit were supposedly from his account, he added my name to his account. The first check cleared then it was returned due to it saying it was a fraudulent check and the second check he had me try to deposit wasnt even allowed to deposit. The man still owes me {$1200.00} on top of the debt that caused my checking account to close and the debt to my credit card. He had me using my credit card to buy him gift cards to XXXX to use and he would call to pay off the balance but every payment he made towards the card were returned causing that account to be in debt of $ XXXX {$6000.00}
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (AR)

For almost a year, I have been trying to get Regions bank to reverse these fraudulent debits to my account. Below is a short description of what happened. 

On XX/XX/year> I received an email alert from Regions Bank informing me of an unusual login to my online banking accounts from a browser that I don't use. I immediately visited a local Regions Bank branch and explained to them that obviously someone had gained access to my online banking. I asked them to place a " no debit '' on my accounts to stop any transactions from whoever had gained access to my accounts. Regions Bank WOULD NOT place a " no debit '' on my accounts and the next day {$72000.00} was transferred out of one of my checking accounts. 

NONE OF THIS WOULD HAVE HAPPENED IF REGIONS BANK WOULD HAVE PLACED A " NO DEBIT '' ON MY ACCOUNTS LIKE I ASKED THEM TO! 

I HAD PROOF THAT SOMEONE HAD GAINED ACCESS TO MY ACCOUNTS AND THEY IGNORED MY REQUEST AND WOULD NOT PROTECT MY ACCOUNTS. 

I have asked Regions Bank to refund the money, since they did not protect my accounts like I asked them to. They have refused to do so.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MD)

I received a phone call from someone in my cell phone contacts. When answering, it had an automated message that said to please hold and then played elevator music. I hung up and checked my recent calls and saw that a XXXX number had added itself to a contact in my phone. When looking up the number, I see that it is Midland Credit Management who have been calling and mailing me about a debt that is well past the statute of limitations. I block every number they call me from. 

I dont know how they added themselves to a contact in my phone but there is no way this is ethical.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

Previous investigation conducted by CFPB ( previous complaint # XXXX ). XXXX XXXX XXXX has once again claimed that I opened up an account with them some time in XX/XX/year> with an outstanding balance of {$250.00} which is now in collections. I have NEVER had an account of any sort with XXXX XXXX XXXX. I just disputed 2 separate accounts from XXXX XXXX XXXX about 2-3 months ago and CFPB was able to track down the information on the party who opened the accounts. XXXX & XXXX should be held liable for their failure to verify consumers and just arbitrarily add collections to consumers credit reports without fully investigating.
Consumer complaint received 2024-06-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AR)

Re : Complaint Against Landlord for Failure to Fulfill Lease Agreement Obligations Dear CFPB, I am writing to file a formal complaint against my landlord regarding their failure to fulfill the obligations outlined in my lease agreement for the property located at XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, AR XXXX. 

According to paragraph 32 of my lease agreement, the landlord is responsible for maintaining the premises in a habitable condition, including making all necessary repairs in a timely manner. Specifically, the lease states that the landlord must act with customary diligence to keep common areas reasonably clean, maintain fixtures, furniture, hot water, heating and A/C equipment, comply with applicable federal, state, and local laws regarding safety, sanitation, and fair housing, and make all reasonable repairs. 

In early XXXX, I reported a significant leak in my apartment that led to unhealthy mildew growth. Despite my repeated requests for repair, the problem has not been adequately addressed. Here is a summary of the events : XX/XX/2021 : I noticed the entire closet was wet. I submitted a work order on XX/XX/2021. 
XX/XX/2021 : Maintenance inspected the issue, used a wet vac, and replaced the air filter. They informed me that I would need to continue making service requests whenever the unit backed up again. 
Later that week : I contacted the front office to report that the carpet was even wetter and the water was spreading into the bedroom, damaging furniture and clothes. 
XX/XX/2021 : Maintenance returned, used the wet vac again, but the problem persisted. 
Due to these unresolved issues, I have been forced to inhale unhealthy mildew, which is particularly concerning given my underlying health conditions. Additionally, I have been unable to use the dryer hook-up due to faulty wiring, which management disclosed only after I moved in. The landlord also increased the rent without providing the required 30-day notice before renewing my lease. 

Per the lease agreement, I provided written notice of my intent to terminate my tenancy due to the landlord 's failure to make necessary repairs. I notified the landlord on XX/XX/2021, of my intention to vacate and return the key on XX/XX/2021. 

Despite my compliance with the lease requirements for reporting the issue and giving notice, the landlord has failed to address these serious habitability issues. I am requesting the CFPB to intervene and hold the landlord accountable for their negligence and failure to uphold the lease agreement. 

Please find attached copies of my lease agreement, written notices, and any other relevant documentation. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I asked for information about why I can't access my funds and withdraw them, there is no specific response from them they just say that it is under review, they haven't told me if they are going to close it or not, it's going to be a month, my account is only blocked For no reason, I can't access my money, I can't manage my accounts, I can't withdraw money, they just said that if they said to close it they were going to send me a check for XXXX to 60 days, the account is not yet in the process of closing, the 30 days have already passed, I don't have an answer from them, they don't care about my money and I need it
Consumer complaint received 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

I have been having a problem with the bank that holds my mortgage. Since XX/XX/XXXX, they have consistently mis-applied my mortgage payments. The bank ( TRUIST ) has had trouble explaing their system that allows for multiple acct numbers for the same loan. In XXXX of XXXX, I was informed by the XXXX  that they would be paying my mortgage for the next 18 months. I have documentation. Florida says they have paid TRUIST on the first of each month since XX/XX/XXXX. On XX/XX/XXXX, TRUIST reported me to the credit agencies as being 60 days delinquent on my mortgage payment. The next day, my XXXX score dropped XXXX points. I have made repeated attempts to resolve this, to no avail. At this time, my balance is approx {$9200.00}. 
I have had credit cards cancelled and credit lines dropped overnight. My wife and I take ONE vacation per year ( I am XXXX ). We use the cards to finance meals etc that we would never do under normal circumstances. Now our XXXX vacation is in serious jeopardy. When I spoke to TRUIST, they suggested that I contact all my CC companies and check on status. Their lack of interest has destroyed our vacation for this year.
Consumer complaint received 2024-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

Since federal student loan repayments have restarted, I have been enrolled in Autopay with Edfinancial Services. The first payment was due in XXXX ; I signed up for Autopay in XXXX. After expecting the payment would be made on XX/XX/XXXX as scheduled with the autopayment feature, I was surprised to see an email from their company on XX/XX/XXXX that I owed twice the amount I should for XXXX. After investigating, I realized the payment for XXXX was not made, even though I was enrolled in autopay. After another month of this, I de-enrolled and re-enrolled, hoping it was a glitch in the system the first time. Unfortunately, it is not XXXX ( nearly XXXX  months after my original autopay enrollment ) and nothing has changed. I have to log on and make manual payments every month, even though Edfinancial Services ' website consistently displays that my autopayment will be made on the XXXX of every month. They offer a XXXX % interest rate deduction for those enrolled in autopay, and due to the multitude of complaints about this exact same issue, one can only conclude that they are intentionally preventing autopayments from being properly set up for their customers to avoid giving this discount.
Consumer complaint received 2024-05-14
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. (LA)

CONSUMER FINANCE BUREAU COMPLAINT LETTER In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
I have multiple incorrect inquiries on my report that need to be removed asap... 
I have contacted these companies and the representatives have told me they would return my call whenever they find out more information on the inquiries and none have returned a call after I mention each time I contact them. So I'm taking matters into my own hands and contacting y'all to remove these inquiries below from my report due to them being incorrect and damaging my credit report severely... Thank you in advance The incorrect inquiries needed to be removed from my reports : { Experian } XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services (FL)

Upon reviewing my XXXX credit report I noticed that my student loans are being duplicated. They are on there both from XXXX and EdFinancial services. I called XXXX and they told me that EdFinancial needed to close them out, so I called Edfinancial and they told me it is on XXXX and the credit reporting agency. It is turning into a ping pong game. This is fraudulent- they are reporting almost XXXX of duplicated loans which is false. This needs to be corrected ASAP.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (TX)

Subject : Failure to Correct Duplicate Student Loan Entries by XXXX I am filing this complaint due to XXXX 's repeated failure to correct significant errors on my credit report. Despite multiple disputes filed regarding the inaccurate duplication of student loan entries by the XXXX XXXX XXXX XXXX XXXX has not taken appropriate action to resolve these errors. 

Detailed Issue : Nature of Dispute : My credit report incorrectly displays multiple entries for student loans originally held by the XXXX XXXX XXXXXXXX but were transferred to Edfinancial Services XXXX These loans are still appearing as active under the XXXX XXXX XXXXXXXX XXXX XXXX credit report, with duplicate entries updated as of XX/XX/2023, for various amounts, totaling XXXX erroneous entries. 

Dispute History with XXXX : I have disputed these inaccuracies with XXXX on multiple occasions. Each time, my dispute has been either dismissed or inadequately addressed, with no proper investigation or correction made. This continuous oversight on XXXX part is unacceptable and unprofessional, contributing to ongoing inaccuracies in my credit profile. 

Impact of Inaccurate Reporting : These duplicated entries misrepresent my debt level and creditworthiness, potentially affecting my financial stability and ability to secure future credit opportunities at favorable rates. The lack of resolution from XXXX has directly impacted my financial health.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (NJ)

XXXX says my credit dropped suddenly over XXXX points but no explanation nor reason anywhere to be found for the month of XX/XX/XXXX when asked they cant figure it out either! My information has been stolen before and it messed up my medical insurance but I fixed that part I guess it messed up more than I thought because nothing else has changed at all Im still XXXX and not able to work! Since XXXX and the school I got hurt at closed down shortly after so I still dont get why those loans are there when the school refused to let me finish against my will because my injuries put me in a XXXX  and they werent XXXX XXXX, nor willing to accommodate or help me finish in anyway! My income ( ssi ), housing ( XXXX housing ) or anything has both changed in years!!! ( Permanently XXXX )! Please help me!! Please and thank you!
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

On XX/XX/XXXX I made a payment to pay my loan in full. The pay off amount as of that date was {$570.00}. {$570.00} was debited and posted from my bank account on XX/XX/XXXX. The loan pay off has still not posted to my EdFinancial account and the loan is still accruing interest. I emailed and called the company and they said that for the first XXXX  days after a loan is disbursed, payments made are applied as cancelation payments. However, this loan was disbursed on XX/XX/XXXX and paid off on XX/XX/XXXX, which is a longer time period than XXXX  days, so this rule does not apply. The representative on the phone told me it will take XXXX business days for the payment to post on EdFinancial, but the money has already been debited and posted on my bank account and interest is still accruing.