davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
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 the XXXX XXXX XXXX and i 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 MONTHS REPORTING 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. 

This company 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 2024-06-24
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-06-23
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)

I recently a reviewed in my credit report I noticed on my account that was not reporting actually I had late payments one an account that I was in fact paid on time the consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payment I leave attached a copy of my report to this complaint on the following dates I'm now requiring investigation to providing viability proof with records showing that I had late payments if this information can not be verified I demand this payment be updated to paid on time immediately thank you for your understanding and promote action
Consumer complaint received 2023-12-27
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: CBC Companies, Inc. (FL)

FACTUAL DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX noticed unauthorized inquires on my credit report that i would like removed.
Consumer complaint received 2024-08-06
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (NC)

My card was declined so I tried to check online to see what is going on and it says my card is invalid to call customer service but nobody answers the call. All together I've been on hold XXXX of the last XXXX hours. 

The first pic is the message I got trying to sign in online. The other XXXX are pics showing I'm not the only one having trouble getting through.
Consumer complaint received 2024-08-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I'm writing to convey my significant worry concerning a couple of addressed accounts that remain mistakenly recorded on my credit report. Regardless of different undertakings to address these slip-ups and reiterated requests for a thorough assessment, there has been no objective or healing move made to date. 

These off-base records are genuinely hurting my credit archive and generally disturbing my ability to have a normal presence. The negative repercussions of these blunders have caused monstrous challenges, and I'm left with no choice aside from to contend for your close by assist with reviewing what is happening. 

I generously request that you direct a cautious assessment concerning the specifying of all of these challenged records. It is fundamental that the fundamental advances are taken to invigorate and review my credit report immediately. With your help, I want to restore the accuracy and genuineness of my credit archive so I could recover control over my money related thriving. 

I really urge you to offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be very significant. 

Thankful to you early on for your cognizance and help.
Consumer complaint received 2024-08-06
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: Spring Oaks Capital, LLC (MO)

I'm writing to discuss my nervousness regarding the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be completely analyzed. Notwithstanding my undertakings, I by and by really can't get any objective or medicinal movement. These inaccurate records are truly hurting my credit archive and disturbing my ability to continue with a standard life. The unfriendly outcomes of these mix-ups have caused huge challenges for me, and I'm left with no choice with the exception of to contend for your assistance with revising what's going on as fast as far as possible. I mercifully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is fundamental that the significant advances are taken to revive and address my credit report right away. With your help, I want to restore the precision and reliability of my credit record so I could recover control over my money related thriving. I sincerely urge you to offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue rapidly would be very important. Thankful to you early on for your understanding and help.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AL)

On XX/XX/year> my XXXX XXXX XXXX XXXX card that I received through XXXX was transferred to Citibank , N.A . 
On XX/XX/year> I paid XXXX XXXX {$580.00} balance in full prior to transfer. My credit information was transferred but not my payment. Since then I am receiving harassment from Citibank for the payment that was given to XXXX XXXX and now they have tacked on late fees and refusing to collect the payment from XXXX XXXX that I have previously provided. I was unsure of who to contact or is responsible being that both companies refuse to work with each other and forcing me to create a new account with Citibank to make the payment again.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

I am writing to formally dispute the inaccurate reporting of an account listed as " XXXX '' on my XXXX credit report, reported on XX/XX/year>. Although the outstanding balance for this account is now {$0.00} and the account status indicates " Paid, '' the payment status continues to show as " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation and correction of this information. Furthermore, according to FCRA Section 623, the data furnisher has a duty to ensure that all information reported is accurate and up-to-date. The continued listing of this account as a charge-off payment status is misleading and does not accurately reflect its current status as closed with a {$0.00} balance. Additionally, under FCRA Section 609, I am entitled to access and verify all information contained in my credit report, which supports my claim of inaccuracy.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (MA)

I see a collection reported on my credit profile. I disputed this and the company will not remove this from my credit report. I don't do business with XXXX XXXX XXXX XXXX and recently moved to a new state. I have no knowledge of this debt and have not received any notice about this. I only learned about this collection when I reviewed my credit report as I randomly do often.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

THE CREDIT REPORTING AGENCIES ARE REPORTING THIS CREDITOR XXXX AS A CLOSED ACCOUNT THAT IS CHARGED OFF AND REPEATEDLY UPDATING THE MONTHLY HISTORY AS A CHARGE OFF WHICH IS MANIPULATING THE STATUE OF LIMITATIONS ON THIS ACCOUNT WHEN THIS ACCOUNT HAD ALREADY BEEN PREVIOUSLY REMOVED FROM MY CREDIT PROFILE THIS ACCOUNT INFORMATION THAT IS BEING REPORTED IS ALL INACCURATE AND HAS LOWERED MY SCORE TREMENDOUSLY WITHIN THE LAST 30 DAY RESCORE DUE TO THE UPDATE IN THE CHARGE-OFF STATUS REPORTED THE ACCOUNT HAS BEEN A VIOLATION OF MY RIGHTS
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc. (NY)

Aspen National Collections reported this debt to XXXX back in XXXX. I reached out to them immediately as I had no knowledge of the debt, and when they described what it was, I realized it was linked to a timeshare my parent bought in the XXXX. My parents are both since deceased, and my sister was executor of the estate. Aspen removed the item from the bureau, and XXXX advised dispute was successfully closed on XX/XX/2024. 

Now theyve attempted same tactic again, and it will cause an issue as Im preparing to purchase a home. Ive reopened dispute with XXXX, but should not have to do this every time they attempt. 

This is unfair and very shifty business practice, and they should be stopped!
Consumer complaint received 2024-10-14
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: Exeter Finance, LLC. (NC)

I am writing to address a critical issue regarding a credit inquiry that appears on my credit report. While the inquiry is showing on my report, which implies proof of an approved account, I was denied access to my credit account I applied for. This situation is contradictory and suggests a violation of my rights under the Consumer Protection Act and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), which stipulates that inquiries should only be made when credit is approved. The ongoing reporting of this inquiry not only negatively impacts my credit score but also indicates the continued use of my security interest without proper justification. Since you have denied me access to credit, I expect the immediate return of my security interest and the removal of the inquiry from my credit report. If I do not receive a satisfactory response or if the inquiry is not removed within 30 days, I will pursue legal action to protect my rights under the FCRA and the Consumer Protection Act.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

My cousin closed her bank account and received a check with her remaining funds which was {$6500.00} she didnt have another bank to deposit the funds so she asked me could I third party deposit her check into my chase account after talking to a customer service representative from my bank also a actual teller at my bank they told me us we can deposit her check into my account they even told me the proper way to endorse the check she we both signed the check and deposited it into my account they said it will be a 7 day hold on the check just to make sure it was valid..so after the 7 days the hold was removed and the funds was available in my account so me and my cousin with both of ID went into the bank to get the funds out the lady at the teller said its a problem with my account and its restricted so we called the number on the back of my card and they said yes your account is restricted and they need a number to verify that my cousin gave me permission to deposit the check I gave the representative my cousin number and she said they that they cant verify that number is in my cousin name and that my account will stay restricted until we find a number thats linked to her name she had that number 5 years and its in her name. They never said any of this before we deposit the check they said yes they accept third party endorsement checks we even tried to go in the bank with both of our identification to verify we make the deposit they still said they need a number to verify that its her even tho we was in there face with both IDs we really need help I feel like we was discriminated and I never heard of this in my life. I need my account unrestricted so my cousin can get her funds she have bills and 3 kids. Now my account is restricted and I cant login my account
Consumer complaint received 2024-10-13
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTOMOTIVE CREDIT CORPORATION (TN)

I was XXXX  car was impounded I couldnt afford to get it out. And I been trying to contact them to give it back but no answer at response its been two months they been charging me XX/XX/year> They are still reporting late payments
Consumer complaint received 2024-10-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Around XXXXXXXX XXXX I revived an email offer to create a checking account for Capital One to receive a $ XXXX bonus offer and following opening the checking account, i received another email from them for {$1500.00} to have a savings account also as long as i out {$20.00} in by a set time which I did. I moved all my funds over from the bank I had for 20 years specifically for this offer. The funds were required to be there for 90 days then offer funds would be deposited within 60 days afterwards which happened for my checking but not Savings. I moved the funds into the savings account on XX/XX/XXXX and by XXXX XXXX XXXX XXXXXXXX I still did not have the {$1500.00} deposited in my savings so I contacted Capital One and to my dismay the analyst advised me that I can not get the offer because I moved it to the savings from my checking which was not allowed - spoke to a Manager and they advised the same. I expressed my concern as I spoke to different employees back in XXXX before I changed banks to ensure I understood everything and this was never advised so I moved all my funds in one bulk move then moved the money to the savings account/ I did exactly what they asked me to which is open a savings account and place {$20000.00} in. The Manager would not make an exception based on understanding this happened due to changing banks, the savings email coming after the original checking email and did not listen to any calls. I called back and asked to file an official complaint. In this conversation, the analyst advised he would submit to their escalation dept via mail to listen to the calls and I would get a decision email in 3 days. I received a decline decision based on the same thing the Manager said regarding the money could not be moved to the savings account which I was not aware of. The email contained no information regarding the calls being listened to or my specific situation being considered at all with how this happened in changing banks to get this completed. I would have never switched banks to not follow guidelines when it was for the offers.
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

This is now my second complaint towards LVNV Funding as my issue was and is not resolved. 
In XXXX of 2024, I was notified of a collection being placed on my credit reports by the name of LVNV Funding LLC. Upon researching this name, it indicated it was a debt buyer, but to direct all inquiries to Resurgent Capital Services. I was never notified of this debt or given the opportunity to dispute. I received no notification through any avenues such as mail, email or phone call about this debt. It was simply put on my credit reports as a negative item. 

On XX/XX/year> I sent a letter to Resurgent Capital Services after I had discovered this negative item on my credit report reading as LVNV FUNDING LLC. In my letter, I requested the original purchase agreement that shows legal ownership and proof of this alleged debt. Resurgent capital services did not provide this information nor did LVNV Funding respond to any of my inquiries. How is this debt verified when two different companies have this alleged debt in their records. Who is the owner of this debt? Who can collect on it when I was not provided the original purchase agreement with the original creditor and signed by all parties involved? 

Therefore this is now and has been misleading and inaccurate data on my credit reports with XXXX, XXXX and XXXX. Each of the credit bureaus have said this information is verified with no proof of them doing a real investigation or showing me proof that its verified. LVNV Funding is in violation of the FCRA as well as the FDCA by failing to notify me of this alleged debt and failing to provide proof of this alleged debt. How is this item on my credit reports when it was not verified with me also?
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

We have a business account with Chase Bank. In XX/XX/XXXX, someone altered a {$4100.00} check from our account and cashed it. Looking at the check, it is obvious that the intended recipient was partially rubbed off and changed to another name. 

Once we realized what happened, we notified the bank branch at the end of XXXX. We were assigned claim number XXXX for the incident. The branch gave us an affidavit to complete, and we did so. We did not hear back about the fraud, so we returned to the branch several times ( XX/XX/XXXX and XX/XX/XXXX ). The branch kept saying they were still waiting for the fraud department to resolve the incident. 

When we checked in with the branch again in XXXX, the banker said they needed a list of all the checks issued by our company in XX/XX/XXXX. We provided the branch with the list. We never heard back again. 

In XX/XX/XXXX, a Chase relationship manager called the company to see how everything was going. We told him about the fraudulent check and that nothing was happening. He told us that because it has been over 12 months since the complaint was made, the case has been closed, and there is nothing Chase can do.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I recently discovered LVNV Funding LLC is still reporting an alleged debt on my credit profiles with all three major credit bureaus without my prior knowledge or consent in the amount of {$1000.00}. I am writing to dispute this debt and request its immediate removal from my credit reports. I have not been given a proper opportunity to verify or dispute this alleged debt prior to its reporting. Reporting unverified information to credit bureaus violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I do not acknowledge this debt as valid or accurate. To properly investigate this matter, I require the following documentation within XXXX business days : XXXX form verifying authorization to open the original account as well as the XXXX which authorized the opening of an account with LVNV/ All correspondence records related to this account / Original account application and documents proving the debt belongs to me ( not a random statement that could have been found in the trash ) / Verification if this debt was assigned or purchased by LVNV Funding / Regulation F disclosures/ GAAP accounting for this account showing credits/debits for the original creditor and new LVNV account. Without this documentation, I can not verify my responsibility for this debt. Continuing to report it violates my rights under FCRA, FDCPA, GLBA, and TILA. I do not consent to LVNV Funding sharing my private financial information. This letter serves as my refusal to pay and cease and desist notice for all collection efforts, including credit reporting and litigation. Remove this account from my credit reports immediately. Failure to comply may result in legal action against LVNV Funding for violations of consumer protection laws. I expect a timely response addressing these concerns. Any further attempts to collect without proper verification will be considered harassment.