davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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. (MN)

My account with DEPT ED XXXX was never late! I have had exceptional payment history with DEPT ED 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 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 21 days before the payment due date.

DEPT ED 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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Over the course of XX/XX/XXXX to XX/XX/XXXX I have sent several certified and notarized letters. I have asked for verification of information on my credit report on 5 occasions to which it has never been provided. By law, I am entitled to this information including how it was verified, when and if they cant verify it then it needs to be deleted. The information I know can not be verified as its not accurate what they have listed. They have not deleted the information that I have asked for proof on and have not provided the proof either.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lyons Law Office, LLC (NJ)

XXXX XXXX sold the fraudulant debt to a law firm that has been harassing me and the so called evidence is inaccurate and they have been trying to expedite the motion XXXX of entering default judgement and I have been talking with representatives of the the firm who have been telling me I had no choice but to pay them {$2000.00} and {$2500.00} in lawyer fees. Plus they have been sending tons of letters and paperwork trying to scare me in to thinking they will are trying to seed this case up without my ability to respond or request a proper due process. The information they have on file is so inaccurate and no proof of claim. I sent a letter requesting the original contract, because this false contract they have recorded in the motion shows no proof of signatures, the interest rate is criminal which shows they were trying to charge me {$19000.00} for a {$15000.00} car. They were sued by the New York Attorney General XXXX XXXX for this very criminal action, and her office sent me a copy of all the filings recorded with the CFPB. Plus they claimed I missed two payment that was over three years old and if that was the case they never notified me of the issue. I was told that I had to do autopay of which XXXX XXXX XXXX debited all my payments each month for over four years from my checking account. The reason why I know they are fraudulant. The proof on my end is that I XXXX XXXX XXXX XXXX at work and had to file a hardship that I law firm help me reduce the debt I was in and all the account that I was having issues with or needed to negotiate the firm did a thorough check on my report and accounts that I would not be able to maintain. They did not see I had an issue with XXXX XXXX and yet I call XXXX XXXX  over three years after I did that they all of a sudden tell me I owed {$9000.00} in payments in the principle of the loan. I ask them for proof and they never sent the information I requested. I filed a complaint with the AG Office in NJ and they repossessed my car when the AG office contacted them. They they were harassing me and made threats. It was funny how they were a loan company and collection agency all in one. These people have been such monsters and are using the court to protect their actions. They last representative spoke to at the Law firm told me I don't have any rights if you don't pay your bills. I told them not to contact me again and they have been sending letters and these massive envelops with threat papers showing they are trying to make look like I am being delincquent for a debt that is not accurate and doesn't show the right information that will show they are the bad actors and stole over {$16000.00} from me.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2 (AZ)

I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incidentthat occurred several years ago at the airport in XXXX XXXX XXXX. I lost my wallet and luggage at the airport. XXXX contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate thewallet, it was never recovered.Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. XXXX concerned that my personal information may have been stolen and used to commit identity theft.I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Webcollex, LLC (SC)

The Creditor negotiated with me and agreed to delete the tradeline after I settled. 
They consistently reported inaccurate information to the credit bureaus. 
The Creditor then changes an amount remaining and posts this inaccurate amount as past due although they knew the balance was XXXX. Please take a look, they report as accurate what should be deleted or XXXX  and force us to continue disputing and take as long as they desire with ultimately the same result. 
Nothing or additional false information! 
The Creditors are never penalized but they report whatever they want and it lowers our scores. It never matters to the Credit Bureaus that we attach justification with online disputes either.
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Coastal Capital Processing, LLC (IL)

I received a call today they left a message and I returned the call. The man said is this XXXX XXXX? I said it is. He said iare the last XXXX of your social XXXX. I said yes. He said Im calling about a debt you owe to XX/XX/XXXXXXXX. I said Ive never had an XX/XX/XXXXcard. I said can you send me something to show me? I said Im wondering if someone is using my ss #. He said you can just pay Pennies on the dollar and it will be gone. I said why pay something I dont owe that Seems silly. He said well we will place a judgement against you. Garnish your wages So the lawyers will be in touch Im sending to them and hung up on me. A couple hours later I got a phone call saying this is to notify XXXX XXXX she is served and if you dont call in XXXX hours to this number there is a judgment. Repeat. And again it was a a recording! They never sent anything never confirmed it was mine - its not! They can go to court in some other state and get a judgement if I dont show up to court by just leaving a phone message? Thats our justice system? This company should be put out of business! The company is XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Arthur B. Adler & Associates, Ltd (NY)

XXXX XXXX XXXX XXXX XXXX, sent me a Validation of Debt letter to sign regarding an outstanding balance with XXXX XXXX. They wanted to collect a one time payment of {$1000.00} or 10 payments of {$190.00}. 

I contacted XXXX XXXX who took over XXXX, and they said i have a balance of {$120.00} from 2011. The account numbers matched what was on the letter from the " attorney ''. That {$120.00} was then given to XXXX XXXX XXXX and then to XXXX XXXX. They did not give any of information to this Attorneys office. 

I just paid the balance of {$120.00}. This XXXX XXXX XXXX are trying to scam me for {$1000.00} or more. Please help.
Consumer complaint received 2024-07-10
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. (VA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CA)

I used remitly on XXXX XXXX, XXXX, XXXX XXXX  XXXX to transfer the funds of XXXX dollars to a bank account in XXXX belonging to my grandfather. The amount has not been delivered to him as of today  XX/XX/2024. 
Remitly had promised to deposit the money on XX/XX/XXXX. The transfer was put on hold on XX/XX/XXXX due to some issues. I called them again and verified the details to resubmit the transaction. They processed and informed me that the amount was delivered on XX/XX/XXXX. However, the amount has not been delivered so I have been calling customer care every alternate day for the last week and they are continuing the investigation. In the most recent call, the customer care agent confirmed the amount is stuck and he will try to cancel once they can recover the amount from their partner bank. Remitly has a policy of refunding the money within XXXX business days if the transfer is not completed. However, they are refusing to honor it stating we are still investigating at should get an update in the next XXXX hours
Consumer complaint received 2024-05-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mobiloans, LLC (FL)

I received an email from Mobiloans in XX/XX/2024 insinuating that if I dont bring my account current they are going ruin my credit by reporting me to the credit bureau .
Consumer complaint received 2024-05-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: COOLEY ENTERPRISES INC (TX)

On the XX/XX/year> me and my wife were sold a new car in which the contract was signed and we left with the vehicle. On or about XX/XX/year> XXXX of Clay Cooley XXXXXXXX XXXX XXXXXXXX called and said we have to return the vehicle because the deal did not go through with XXXX XXXXXXXX and that they'd need an additional {$7000.00} on top of the {$4000.00} we'd already put down in order for the deal to get done. I told him that would not happen, and that we would not be returning anything because we already had a signed contract. he stated he'd lose too much money if he did the deal with XXXX XXXX and I told him to drop the Gap and he stated that if we did not get the Gap he would not sell us the vehicle.I also told him that we Initially offered {$1500.00} as a down payment and that they said they presented that to XXXX XXXXXXXX and that XXXX XXXX said that they needed either XXXX or XXXX in order to get the deal done and that if I meet those terms his employee said they'd throw in the Gap Insurance for free. I told them I'd do XXXX as my max. He left and when he returned he congratulated us and said the deal was done and as soon as we get insurance we were good to go. we paid the down payment of {$4000.00} and got insurance, my wife signed the documents and we left with the vehicle. XXXX asked us a day or XXXX later to come back to XXXX because he'd gotten Finance on the same term and at the same rate. We returned and electronically signed some documents. We just learned that Pages were missing from the Original Contract and that Clay Cooley acting as an Agent for XXXX XXXX XXXX FORGED me and my wife SIGNATURE on the document agreeing to Purchase GAP. I presented this to XXXX XXXX XXXX XXXX and they said it had to have happened at the dealership. I told them that the dealership was representing XXXX. XXXX told me to file a police report and that we'd go from their. I went to the dealership and the XXXX XXXX told me that if they'd wanted to they could've just kept my down payment and took the car. I even showed the finance XXXX the forged Documents and he said that maybe we signed them later and I pointed out that they were Time and Date stamped by the Computer so that is impossible for us to had signed them later. Someone forged our Signature.
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (MD)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-05-16
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Michel Law, LLC d/b/a Level One Law (FL)

Hi : I am a client of Level One XXXX XXXX XXXX. I enrolled last fall, on XX/XX/year>, after I called about a pre-approved debt consolidation loan at a low interest rate. I was redirected to Level One Law. The attorney of record is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have paid XXXX installments of {$1600.00} toward a two-year plan to resolve high credit card debt, totaling {$9800.00}. XXXX XXXX has taken no action to settle any debt on my behalf. 

Upon receipt of an email and reviewing the court orders from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I realized I had been the victim of a scam. 

I then contacted Level One law ( today, XXXX ) through their website and by phone to request a full refund of my money, as they have not provided any services to me and have been ordered to cease work by the court, pending final resolution. They refused. They did offer to refund {$7200.00}. That is {$2600.00} less than they took from my accounts. As they have not performed any work on my behalf, I requested a full refund. They refused again. I also attempted to contact XXXX XXXX XXXX, but they have not answered or responded to my inquiries. I tried to contact XXXX XXXX, the entity that took and presumably still has my money, but they have not responded. I have tried to reach the court-appointed receiver, XXXX XXXX, XXXX regulatory resolutions without a reply yet. 

The court order indicates that XXXX XXXX was ordered to stop taking funds from clients who were not yet actively settling any debtthat is my category. They did not tell me, and they took my funds for XXXX months after the XXXX XXXX XXXX XXXX. 

That appears to be in defiance of the court and the law. 

I want my money back. 

Thank you. 

XXXX
Consumer complaint received 2024-05-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Revolution Financial Inc. (TX)

I have placed in several police reports to resport identity thefy someoen stole my vehicle back in XXXX and my ID and items were in vehicle in XXXX missouri, also had car broken in to XXXX texas back in XXXX, police report XXXX police department report number XXXX the comapny states the amount was for XXXX that was done online with my name with the wrong social security number they are calling me form XXXX and emailing me from XXXX i have asked the past 7 years this to be removed and i send over the police reports and identity theft and credit breuau investigation reports that found this to be fraud i want this removed and for them to stop harrasing me
Consumer complaint received 2024-05-16
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Michel Law, LLC d/b/a Level One Law (VA)

I opened an account with Level One Law in late XXXX  to get help negotiating settlements on some credit card debts. At the time I was still current on payments with the creditors, but Level One told me to stop those while they dealt with the negotiation. Currently 4 of those creditors are suing me- Level One made no attempt to settle most of the accounts. 

Ive severed my relationship with them now, but during the time they were engaged they took ~ {$8000.00} in advance fees and paid only {$1600.00} out to creditors. They refused to refund these fees when I requested it and hung up on me when I asked. I am now in a far worse position than when they roped me into their scam.
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MILLS LTD. dba Credit Bureau of Klamath County (IL)

The mon of XXXX and XXXX XXXX XXXX stole my identity and i cant get help with getting her off. She put cards in my name and is using them.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Arbitration Forum (CO)

Got a call saying they will file civil charges against on behalf of another company. I did not acknowledge the debt. No debt shows up on my credit report. If it is a debt I owned many many many years ago statue of limitations is up by far. CO limitations is 6 years. This was done mainly via phone but referenced it in voice mail which I included text copy of.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

The 3 credit bureaus are reporting two late payments reported on XXXX & XX/XX/XXXX from the XXXX XXXX XXXX XXXX Account. I contacted XXXX XXXX XXXX XXXX previously and requested removal of both late payments and was told you could not honor my request. On XX/XX/XXXX, I called customer service again and requested a payment accommodation to wave the late payment fees, in the amount of {$38.00} that occurred during this time. Which was granted by XXXX XXXX XXXX XXXX. In my letter I mentioned the passed Coronavirus Aid, Relief and Economic Security. The Credit Reporting Scores under the CARES act, the federal government put in place special protections that change the way creditors report information. The law requires creditors to report any account that has a Payment Accommodation Applied to it as current to the credit bureaus- as long as the account was current when the accommodation made. It states the creditor needs to report to the credit bureaus that you are current on your loan. 
I received a credit bureau review letter on XX/XX/XXXX from XXXX XXXX stating has reported the payment history accurately as required by law. I'm disputing this because of the CARES act states since they provided me an accommodation, they must remove the late payments off of my credit report. Please assist me and thank you for your help with this matter.
Consumer complaint received 2024-05-08
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Education Principle Foundation (OH)

The Department of Education has discharged my son 's federal student loans that were borrowed for his education at XXXX  XXXX XXXX. The department has determined that XXXX  XXXX XXXX made pervasive and widespread substantial misrepresentations to students. The federal loans did not cover his full XXXX  year education. My husband and I have taken out private loans to cover the balance. I have reached out to the Dept of Education, to the borrowers defense support, to XXXX  XXXX XXXX, all of these organizations work on behalf of the federal loans only. XXXX  XXXX XXXX had to pay {$96.00} XXXX dollars back on behalf of those students, due to a class action law suit that was filed. Why are they not liable to pay back the private loans? Why is it okay to discharge only a small portion of the money borrowed? Should not matter where the money came from, federal or private. XXXX  XXXX XXXX was paid. I'm not sure anything can or will be done, but I need to be heard. When something is wrong, its WRONG. 
Thank you for your time. 
XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.