davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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)

My account with those creditors 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 in those account 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.

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 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bilt Technologies, Inc. (NV)

Bilt is using unethical sign up flows to trick people into unknowingly sign up for credit cards, and to give bilt access to their personal bank accounts and credit card transactions.

My apartment building recently required that I register with Bilt to pay my rent. When signing up I noticed that they default sign you up for a credit card. I had to take action to not sign up for their card. 

Then I started getting email notification from Bilt when I use my other personal credit cards for purchases. I 100 % did not knowingly give Bilt permission to do this. But somehow they've accessed, and are monitoring, all of my bank accounts and credit cards. I was able to shut off access though my bank. If you look online you'll find a lot of people complaining about this.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I had a recurring electronic transfer from my XXXX checking account to my Capital One Savings Account. On XX/XX/year>, XXXX sent an electronic transfer to my Capital One Savings account. It is reflected on my XXXX statement, but not my Capital One statement. When I called Capital One, they refused assistance and said I must talk to XXXX. XXXX advised me to file a dispute. Then XXXX denied the dispute because they say they did nothing wrong. Capital One has stolen {$300.00} from me. I have copies of both statements. The {$300.00} does not appear in any of my Capital One accounts. My full legal name is XXXX XXXX XXXX XXXX. I am also called XXXX. Both of these names may appear on my accounts.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with those creditors 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 in those account 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.

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 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (DE)

On all three credit reports states a company called Kikoff Lending , LLC ; XXXXXXXX reports that Kikoff Lending LLC is : acct : XXXX open date : XXXX XXXX, XXXX Acct Type : Credit Card Past due : {$25.00} as of XX/XX/XXXX highest balance : {$65.00} monthly payment : {$5.00} last payment date : XX/XX/XXXX Company address : XXXX XXXX, XXXX XXXX XXXX, XXXX, NV XXXX ( XXXX ) XXXX XXXX reports that Kikoff Lending LLC is : acct : XXXX open date : XXXX XXXX, XXXX Acct Type : Revolving Past due : {$0.00} as of XX/XX/XXXX highest balance : {$65.00} monthly payment : {$5.00} last payment date : XX/XX/XXXX Company address : XXXX XXXX, XXXX XXXX XXXX, XXXX, NV XXXX ( XXXX ) XXXX XXXX reports that Kikoff Lending LLC is : acct : XXXX open date : XXXX XXXX, XXXX Acct Type : Revolving Past due : {$20.00} since XX/XX/XXXX highest balance : {$65.00} monthly payment : {$5.00} last payment date : no information stated Company address : XXXX XXXX, CA XXXX
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX XXXX XXXX CEO and CFO of NAVY FEDERAL CREDIT UNION tried to kill my ability to conduct commerce, he economically murdered me and made me dead financially. He has abused me, put me in mental anguish and now I find myself attending group meetings and seeking treatment for XXXX because the experience of being in economic slavery triggered my previous anxieties. 
I, XXXX XXXX XXXX, purchased a vehicle from XXXX XXXX XXXX on XX/XX/XXXX - ( Exhibit A ) Representatives of NAVY FEDERAL CREDIT UNION provide loan to purchase the car in the amount of {$21.00}, XXXX on XX/XX/XXXX and I contacted same to obtain a signed copy of the original contract and other related documents on XX/XX/XXXX which were not sent. ( Exhibit B ) XX/XX/XXXX, I requested a fully certified disclosure of contract containing my original wet ink signature and sign by a living person representing their organization. ( Exhibit C ) XX/XX/XXXX I received by regular mail from XXXX XXXX XXXX XXXX, Consumer Loan Processing of NAVY FEDERAL CREDIT UNION a letter requesting my signature on a updated Corrected/Duplicate contract. ( Exhibit D ) XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX CEO, CFO of NAVY FEDERAL CREDIT UNION the letter and contract back with a letter stating the unsigned contract was unacceptable ( Non Acceptance of a Bi-lateral contact ), rescinding of my signature on all loan documents including previous loan and another request for full disclosure of loan contract. ( Exhibit E ) XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX CEO, CFO of NAVY FEDERAL CREDIT UNION a letter of instruction and, according to HJR 192, provided legal tender to discharge debt ( Exhibit F ) On XX/XX/XXXX, the notary, XXXX XXXX XXXX, sent a letter, certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX of NAVY FEDERAL CREDIT UNION the initial Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. ( Exhibit G ) XX/XX/XXXX, the notary, XXXX XXXX XXXX, sent a letter, certified mail to XXXX XXXX XXXX XXXX XXXX, CFO of NAVY FEDERAL CREDIT UNION a second presentment of Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. ( Exhibit H ) XX/XX/XXXX, the notary, XXXX XXXX, sent by certified mail to XXXX XXXX XXXX XXXX CEO, CFO of NAVY FEDERAL CREDIT UNION a third presentment Declaration by Affidavit to state his non-response to any previous letters or notices. ( Exhibit XXXX )
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was visiting my sister at the XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I was in room XXXX. My credit card application was compromised there and would have been approved if it werent for it being marked as fraudulent. An XXXX male XXXX named XXXX and his family blocked the process request. Can you please review my information and have the card sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My credit score was also decreased by XXXX points due to his connections. XXXX is my social. Im eligible for a {$400.00} capitalOne Card and I need it processed.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

After carefully reviewing my most recent credit report, I noticed that several accounts I have no knowledge of have been added to my credit report. I have included my ID for verification purposes. Here are the accounts and amounts associated with this activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (CA)

Procollect XXXX continues to send me debt collection mail for rent collection with a balance of {$1300.00} at XXXX XXXX XXXX XXXXXXXX XXXX located in XXXX XXXX I have already contacted them with documented proof as of XX/XX/year> that I did not reside in the state of XXXX XXXX  during the time they are notifying me of. I have already sent them proof of my other lease stating that I was in XXXX  during the disputed period. The collection mail continues to send once every three months or so, even after I've already addressed this issue with them over the phone. Each time they assure me that my name has been removed from their records, but they have not stopped sending the mail. This is a serious issue as during the first instance credit score took a hit ; it has since then been removed, but this company continues to harass me for a debt collection that is not mine.
Consumer complaint received 2024-10-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (AZ)

Someone used my social security number to purchase a cell phone from XXXX and Left a bill for over XXXX XXXX dollars there is a XXXX XXXX dollars amount on all three credit bureaus this is not my debt, sincerely yours XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was shocked this morning to find inaccurate accounts suddenly appearing on my credit report, and I have no idea why. I regularly check my report, but this time there were errors out of nowhere. I even tried refreshing the page, thinking it might be a glitch, but nothing changed. The wrong accounts were still there. I'm now asking for the documents Ive sent to be thoroughly reviewed so I can finally stop worrying about this.
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX my Venmo account was frozen for suspicious activity the only activity that was done was through me transferring my money to my teen account. After submitting the proper documents they had me wait 3 days, and unfroze my account on XX/XX/XXXX just to freeze my account again not even an hour later. The customer service is rude, the supervisors all give different answers and I am still unable to use my account to pay my bills and may even face eviction. After sending them my ID, then a PHOTO and ID. I was told on XX/XX/XXXX that they would give back with me in two hours this was told to me by a XXXX XXXX of the supervisors at Venmo Customer Service. They did not get back with me, I had to call them just for another supervisor to tell me the complete opposite. These people are playing with my money. I have bills, if I have proved it to be me why am I still having issues. The supervisors who I had an issue with are XXXX, XXXX, and XXXX. The Account Specialist I had issues with name is XXXX XXXX XXXX XXXX unfroze my account then suspended it AGAIN.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX XXXX XXXX XXXX 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 in 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL INC (NY)

Coast Professional , Inc., Reference # XXXX ( contact phone number XXXX ) they are saying that they are collecting a debt for the Office of the Fiscal should threatened me that I should pay them XXXX ( their mailing address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX all of the money at once, that I should send payments to : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. plus ( someone impersonating the IRS HAS MANAGED PUT THROUGH A NON-LEGAL GANISHEE FOR {$270.00} per month from my Social Security. The IRS wrote to me and said it wasn't them. The National Finance Department, said the ISSUE WAS RESOLVED. Social Security Administration offered no support in helping my resolve the ( garnishee issue ) and allowed the ( IRS Impersonator to take {$270.00} from my Social Security check each month since XX/XX/year> ( so far they have managed to get {$1300.00}, as of XX/XX/year> The Impersonator, did not supply the Social Security Administration, the name of Judge that signed for the garnishee, the actual creditor, the itemized listing of what and why my check was being garnisheed. Please have your Investigators stop this company and impersonator from embezzling money out of me. Your assistance in this matter is greatly appreciated.
Consumer complaint received 2024-10-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

In XX/XX/year>, I switched my cellular carrier from XXXX XXXX XXXX to XXXX. In the switch I opted for the XXXX XXXX plus. When my device was received/activated, I had extremely poor service quality with numerous dropped calls and was unable to make/receive calls. After about a week of complaints and working with XXXX technicians, troubleshooting, they determined that it was my device and sent me a replacement device. The signal quality did not get any better and I still could not make/receive calls from inside my house. After much frustration of having no connectivity/dropped calls, I switched back to XXXX XXXX XXXX  XXXX 

After switching back to XXXX XXXX XXXX, I received two ( 2 ) return authorization labels from XXXX for the XXXXwo ( 2 ) devices ( the original and replacement ) that I had. BOTH devices were returned.on XX/XX/XXXX ( Please see attached XXXX XXXX XXXX XXXX XXXX XXXX When the tracking reflected " Delivered '', I called XXXX and was told that yes, they had received both devices on the same day. 

I yet received a bill in XXXX. I called and was told that yes, they had the devices and my account would be updated. Again in XXXX. I received a bill and called and again was told that my account would be updated. Again in XXXX. I received a bill and called and was told that my account would be updated in 48-72 hours. 

In XXXX, I received notification from XXXX that my credit file had been updated with a collection account. IT WAS XXXX!!!! I called XXXX and the automated system directed me to ICSystems ( collection agency ). I called IC Systems and was told to write a letter. I did write that letter ( please see copy of the certified letter return receipt ). They responded with just a copy of the same XXXX bill which XXXX had sent to me. 
In addition, in XX/XX/year>, I filed TWO disputes with XXXX and the issue remained unresolved. 

Now we are up to XXXX and in my continuing to attempt to resolve this egregious allegation by XXXX that I owe them {$1000.00}, I send a letter to the XXXX correspondence address ( please see enclosed a copy of the letter and the copy of the certified letter return receipt ). I don't know exactly when they received the letter, because the receipt is not dated, but today, XXXX XXXX, I have not received ANY update from XXXX and the collection annotation remains on my credit file. 

PLEASE HELP ME! If this doesn't yield any results, the only other thing that I know to do is to file a lawsuit, for harassment and mental anguish. This is seriously taking a toll on my emotional health.
Consumer complaint received 2024-09-03
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)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 XXXX 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 2024-08-28
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX..
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity,