davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-12
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. (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 and my Proof of Address.
Consumer complaint received 2024-07-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

I had a synchrony CareCredit card that had {$1000.00} limit. It was completely paid off and all of a sudden I got a notice that the card was canceled so I reached out to them and they said that they do credit checks every now and then and update their information and based off the new information they were closing my account, finally got a letter in the mail and they said the reason for it was because of the fact that I had a mortgage that I had not paid down and Ive only had my house for two years of the 30 year mortgage. How much supposed to pay that down more my credit is higher now than it was when I got the card. I had a Lowes card and an Amazon card as well and I just went ahead and close those out they were completely paid off. They had lowered them down to basically nothing so theres no point in having them they were notorious when I did on my Amazon card for, lowering my credit to just above what I owed so that it would mess with my actual credit score saying that it was almost maxed out
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : 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 XXXXXXXXXX/XX/XXXX I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Consumer complaint received 2023-04-17
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Family Support Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$18000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names Account numbers 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 has violated my rights 15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse item of information, other than records of convictions of crimes which antedates the report than seven years.

15 U.C.S. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (OK)

In XXXX when I obtained a private student loan from a bank while attending XXXX XXXX at XXXX XXXX XXXX did not go through the school 's financial aid department and were sent directly to myself. This is called a direct-to-consumer loan. XXXX XXXX XXXX bought my loan and CFPB knows the rest of the story with XXXX. Mutiple loan servicers you did not know who to pay most of the time and eventually my loan defaulted. XXXX XXXX XXXX has zero accountabilty and allegedly hired a Collection Attorney Firm to sue me, however, I did not know anything about it and so ultimately a default judgement was granted in XXXX. In XXXX, the Collections Attorneys from XXXX XXXX XXXX, XXXX filed a wage garnishment against me. I was terminated and my job losses now total {$700000.00}. 
Next, I filed XXXX  XXXX bankruptcy in the XXXX XXXX Bankruptcy Court in XXXX and the discharge was granted on XX/XX/XXXX. This was a different county that the default judgement was obtained. XXXX XXXX XXXX knows it is discharged based on the year of the loan being XXXX. Direct to consumer loans are dischargeable in bankruptcy because the funds are not sent to the school and not used for education. XXXX just got another entity to do their illegal collections, XXXX XXXX and XXXX. There is no doubt it has been discharged, however, the judgement is in a different county and the bankruptcy court does not send individual discharge paperwork to all the creditors. 
Currently, CFPB lawsuit against XXXX XXXX XXXX will have to work through tghe appeal process and hopefully XXXX will finally be held accountable and be regulated by the CFPB. My only option now is to file a FDCPA class action lawsuit against XXXX XXXX and XXXX for collecting on a debt that has been discharged in bankruptcy. 
Conclusion and Question : Will my loan be included with the recent lawsuit initiated by CFPB against XXXX XXXX XXXX XXXX on XX/XX/XXXX? Is there a chance to recoup some of my wages lost through this student-loan secuirization process with done by XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Im filing complaint against XXXX XXXX  for the refusal of allowing me access to online website to review or view my debt accounts in regarding to XXXX XXXX 

They expect me to call them every time I need to make payment which I shouldnt have to. If they can display OTHER ACCOUNT THAT IS NO LONGER EXIST BUT wanting to NOT display 2 other active accounts on the account for me to make payment convienetly then I see no point of them even keeping the account for collection. It just the level of stupidity is beyond me. 

They said they cant make my account available to view online is absurd
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Service Company, INC (TX)

United Revenue is attempting to collect a debt they have already sent to me in writing, stating that they would never attempt to collect again. In XX/XX/year>, i received a letter from their Senior Legal and Compliance specialist stating that they would not open another account, harm my credit, or collect a debt from me again. I have received yet another attempt to collect under an entirely new account number. This is very shady and divisive. They have tried to collect numerous times and i was under the impression that this was resolved and I still am receiving correspondence. I was told that the balance was ZEROd out completely, IN WRITING and this was still brought up again.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Charged Off alledged debt on their Business Taxes under my Name and Social Security Number as a Profit Gain/Loss and failed to provide me with a XXXX Copy as is required in accordance to tax Laws. Also Capital One Violated Gramm- Leach- Bailey Act 15 USC Section by sharing Unauthorized Access to Customer Information without supplying the Customer with the option to opt out prior to sharing Non Public Financial Information with a third Party. Also failure to send me a copy of the XXXX when Capital One filed it's Tax Returns is clearly Tax Fraud! Under 26 U.S. Code Section 7203 Willful Failure to file return, supply Information, or pay taxes. Also under 453a ( c ) ( 1 ) shall report any portion of the Installment sales obligation to pay interest on the deferred tax liability at the close of the taxable year.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This company has failed to provide documentation or accuracy to account with XXXX XXXX  XXXX XXXX sent over documentation involving the identity theft and misuse of information reporting to my credit report. 
On XX/XX/XXXX I spoke to representitive XXXX which informed me that there has been documentation of my complaint for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Equifax has failed to provide proof or accuracy and has not removed the information. I am requesting removal of this account immediately. 

Credit Card Accounts with XXXX XXXX and XXXX XXXX has also been requested due to this identity theft and Credit Bureau has refused. There are many inaccurate items and Equifax need to be held accountable due to the Fair Credit Reporting Act. 

Accounts needing removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

My wife and I attempted to open a business account with XXXX XXXX XXXX XXXX XXXX XXXX They did a XXXX back ground check and found that I had a bank account through Bank of America that was negative and closed in XXXX of XXXX. I never opened an account with Bank of America. Not once in my life. So I followed up with Bank of America, they were rude, they provided no help, I filed claim with them after being on the phone well over XXXX hours and they refused to give me any information, or to provide me with the letter needed to give to XXXX for me to be able to open a business account. Bank of America stated it would take 90 days for their " investigation ''. Bank of America has fraudulently opened a bank account in my name and is preventing me from opening a business Bank account in which is costing me money daily. I will be obtaining a lawyer.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IA)

It is very difficult to get in contact with the loan provider Mohela, it is atleast 30-60 minute wait each time I call and I am being told different information on every phone call. the 1st Issue was i was told by a representative of Mohela that I can pay on only one loan if I wanted to but I just had to make the full amount of the total payments. My loans are now behind so I contacted customer service, they said they will fix the payments and it will take 35 business days. as on now there is no update. I am refinancing my student loans with XXXX who uses Mohela for their loan servicer. XXXX sent MOHELA a check for the payoff amount on XX/XX/year> and Mohela confirmed today they have received the check. They told me it will take 60-90 calendar days to actually apply it and they will " back date '' the funds, not sure what that means. I am expected to pay {$800.00} a month to mohela for my current loans and i am also expected to pay {$800.00} with XXXX  for the student loan refinance. I will be paying almost {$1600.00} a month in student loans so I am not behind because Mohela refuses to process this application timely. 
I have never had a good experience when call in, now i have to figure out how to pay 40 % of my monthly take home pay towards my student loans because they are unable to process a payment from one of their partners in a timely and efficient manner leaving the burden on me to find a way to come up with more money. 
Attached is a screenshot of my auto pay that is not updated, they said it was all good to go. also shows the balance owed. I included an attachment with the current refinance with XXXX who i did the refinance with and they use Mohela as the loan servicing provider. I dont think it should take 90 days to apply to my account. 
Mohela 's website will also not let me submit a complaint, they button will not work to submit a complaint
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (VA)

Unlike other bank NFCU lets you make payments electronically and allow you to pay off the load early without penelity however, the way they get over on thier customer is if you want to pay extra for example an auto loan they post that as a payment to the following month not to the principal. They make it hard to make a principal payment it can only be done between XXXX and XXXX after you main payment hits. I believe we should have and option when paying online to add a principal payment in addition to the regular payment.
Consumer complaint received 2024-06-28
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  was never late! I have had exceptional payment history with 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 XX/XX/year> 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 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