davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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. (TN)

XXXX XXXX XXXX was paid a lease break fee in XX/XX/2021 and our contractural obligation was severed civilly. First property management has reported an ADDITIONAL account on my report showing as 120 days late with an accrued balance from XXXX XXXX. Now there is collection on my account for this amount totaling in XXXX instances of the same inaccurate account information. See docket XXXX, there should be NO phone number on my report, and NO address '. 


The following inquires need to be removed from my report as I did not initiate a transaction with these companies and they have no permissible purpose to have run my credit. 

XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All previous attempts to solve this issue with the credit bureaus directly has proven unsuccessful. FTC ID report filed
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-06-22
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)

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/XXXX to XX/XX/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 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

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, XXXX, and Equifax.
Consumer complaint received 2024-08-01
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. (OH)

These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX {$840.00} XX/XX/XXXX 2022
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I sent a certified letter to Bank of America ( BofA ) disputing a late fee and finance charges and detailing why I was blameless. I complied with the billing rights and included the required information ; name, account number, dollar amount, date, and an explanation. BofA 's response was a form letter refusing to service my request because my letter did not bear a cursive signature. I sent a 2nd certified letter stating that since I had cpmplied perfectly with the billing rights requirements, they had no legitimate reason for not addressing my dispute. BofA 's response was a 2nd identical refusal letter. I spoke with one of your representatives who verified that there was no requirement that a letter bear a cursive signature. She would/could not send me an email verifying this but told me that I had a valid complaint and should go through the complaint process. I also filed a detailed complaint through the Bureau of Consumer Protection and BofA 's response was to send copies of the 2 rejection form letters, a copy of the " unpaid balance '' statement, and another page " parroting '' their billing practices, They never addressed ANY of the issues that I raised in my letters, clearly showing that they were still refusing to service any complaints that did not bear a cursive signature, ( If you require copies of documents, I will have to create XXXX  and send them later. )
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: Self Financial Inc. (FL)

" 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. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX. 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 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (MO)

Hello, I received a prepaid card last year for {$200.00} after completing the steps for a rebate program with XXXX contacts. I moved soon after, and lost my prepaid card. I contacted " Customer Care '' before the card would have expired in XXXX. I was directed to Prepaid Digital Solutions and unable to receive the funds a different way. 

I located the card about XXXX weeks ago. It had been activated by the company prior to them sending it, as stated on a sticker on the front of the card. However, I hadn't used the card at all. I called the Customer Care line with XXXX on XX/XX/XXXX. I was transferred to a different department to handle my request for a replacement card. When the transfer went through, I spoke to someone that told me there was nothing they could do since the card had expired. I told him that I had contacted XXXX XXXX prior to the expiration of the card and I was told they did not handle this issue. The representative told me that there was no record of me contacting XXXX XXXX. He then went on to say that I should contact the company responsible for the funds. I asked him who I was speaking with, as I thought they were responsible for the funds. He refused to tell me the name of the company- only that they were called " Customer Care '' -- which is who I contacted in XX/XX/XXXX. 

I called the number for XXXX again, at this point concerned that I had given my personal information to an unknown company. The XXXX rep let me know that I had been speaking with someone from Prepaid Digital Solutions. 

Unfortunately, it seems like no one is responsible for addressing the funds on this prepaid card. I was directed to different departments and/or companies for almost an hour. I followed the steps for the rebate and contacted the company to try to fix the issue with my lost card prior to it's expiration. I am frustrated that no one has been interested in actual customer care.
Consumer complaint received 2024-09-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against a collection agency that has placed a collection on my consumer report without adhering to the legal requirements outlined in federal law. Below are the specific violations I believe have occurred : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has not provided the necessary validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have reported a collection account on my consumer report, which is unlawful without proper validation.

2. Lack of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the ability to contest the validity of the debt before reporting it is a clear violation of my consumer rights.

3. Misleading and Deceptive Practices : The collection agency has employed false, misleading, and deceptive means in their attempts to collect the debt. This is a violation of federal law, which prohibits such practices when interacting with consumers.

4. Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : The collection agency has no authority to furnish any account information to consumer reporting agencies without first providing all required disclosures. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), which mandate specific procedures and disclosures before a debt can be reported to credit bureaus.

I request that the CFPB investigate these violations and take appropriate action to ensure that my consumer rights are protected. I also seek the removal of the erroneous collection account from my consumer report and any other remedy deemed necessary to rectify this situation.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681, section 602a, section 4 states, I have the right to privacy. 15 U.S.C 1681b 604a section 2 also states, any consumer reporting agency my not furnish an account without written instructions of the consumer to whom it relates. This law only provides for a maximum length of reporting time, not a minimum length of reporting time. As such, this reporting is in violation of the law the Fair Credit Reporting Act. Not only that, Truth in Lending Act 15 U.S.C. 1601b states, a creditor may not treat a payment on an open ended credit account as late for any purpose. Continuing to report this inaccuracy after repeated attempts to resolve it has resulted in substantial personal damage.
Consumer complaint received 2024-06-22
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. (NM)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

On or about XX/XX/XXXX a car was financed through TOYOTA MOTOR CREDIT CORP in the amount of {$29000.00} in my name I believe by persons below. 
Yes, fraudulent accounts or charges appear on my credit report Names : 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 XXXXXXXX XXXX Phone Account now in collections. 
Company or Organization : XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$730.00} XXXX contacted XXXX and sent all required document 's and only above names and addresses was removed nothing else fraudulent accounts remain on my credit report.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have disputed my address and personal information on all 3 credit reporting agencies. They have all failed to correct the address. My address is XXXX XXXX XXXX XXXX, FL XXXX. The has always been my address. No other addresses should be reporting on my credit report. It has also been the only address on my drivers license. Any other address that is on my credit is a result of fraud. I have attempted to remove it with no success on XXXX, Equifax, and XXXX. I have also filed a report on identity theft.gov. and submitted it to those reporting agencies but they failed to remove them. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (FL)

Lead Bank is reporting inaccurate and predatory information that has manipulated me and manipulated the credit system. They are using predatory practices of reporting charge-offs on multiple months in a row to extend the life time of the debt on my credit reports to further tarnish my reputation as a young individual. The charge off is only supposed to happen ONCE. Lead Bank is reporting a charge off from XX/XX/XXXX and then SKIPPING MONTHS to go to XX/XX/XXXX and again on XX/XX/XXXX which is impossible because if it was charged off on XX/XX/XXXX thats it! You cant charge off the same account again after that with a balance that I cant even use. Inaccuracies across the board to manipulate me and hurt me for years to come of my young life. A CLEAR VIOLATION OF MY RIGHTS AND LAWS FOR A FAIR AND ACCURATE REPORTING. They are purposely reporting false charge off months and information on my credit report so they can have it reporting for longer than it is even legally supposed to be on my report. I have the proof of this on all credit reporting documents. I need this report deleted and completely erased off my credit reports so it doesnt tarnish my reputation and further affect my wellbeing. I want this account deleted off my reports completely!
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (IN)

I have requested that National Recovery Agency send me the original loan documents for the account they are trying to collect on. I don't recall this loan account. The alleged lender is XXXX XXXX. Upon researching them, they are not licensed to lend in the state of Indiana. This needs to be removed from my credit report ASAP. This is not a legal debt.
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M.A.R.S., Inc. (KS)

I have requested the original contract over a three year period and have never received it per 15 US CODE 1692 ( G ), also known as the Validation of Debts section, is part of the Fair Debt Collection Practices Act and Title 15 of the U.S. Code, Commerce and Trade. It requires debt collectors to follow certain procedures when communicating with consumers about debt collection : Validation notice Within five days of the initial communication, debt collectors must send consumers a written notice that includes the amount of the debt, the creditor 's name, and a statement that the debt will be considered valid if the consumer doesn't dispute it within 30 days. The notice must also state that the debt collector will provide the consumer with the original creditor 's name and address if requested within 30 days. 
Disputed debts If the consumer disputes the debt, the debt collector must stop collection efforts and : Obtain verification of the debt or a copy of a judgment Mail the verification or judgment to the consumer Other provisions Debt collectors are also prohibited from taking certain actions, such as : Threatening or taking non-judicial action to disable or dispossess property if there is no right to possession, no intention to take possession, or the property is exempt by law Using unfair or unconscionable means to collect a debt, such as collecting amounts that aren't authorized by the agreement creating the debt or permitted by law
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/year>
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

Since the opening of our USAA account, they have continuously posted transactions accordingly to the account. The account would reflect the transactions within the business day, displaying the proper available balance. Then, our transactions would disappear for a whole business day, reflecting that amount of money back into our account. We would then spend the money USAA told us was available. The next day the previous transactions appear along with our new transactions, reflecting a now overdrafted balance. I believe they use a computer algorithm to do this on purpose to those with continuously low account balances in the hopes of charging us overdraft fees. 

For example, recently on the XXXX of XXXX, we made XXXX separate purchases of {$14.00} to the XXXX XXXX XXXX via XXXX and the official website. These transactions posted to the account and reflected in our available balance on that day. Yesterday, ( XX/XX/2019, a whole week after the payment posted ) I checked my account balance and saw I had {$30.00} available. I looked through my purchases thinking there might be some mistake, but didn't see anything amiss ( though thinking back, I didn't see those XXXX specific purchases listed. ) I spent the {$30.00} yesterday. Today, I awoke to see that my balance is overdrafted and suddenly the XXXX purchases are listed as having been Authorized and Posted yesterday, XX/XX/2019! Yet I have been using my subscription this whole time and was never made aware of any problem with my transaction. 

This is predatory banking practice and highly unprofessional! We entrust our money to a bank with the expectation that our transactions go through in a timely manner and that our accounts are balanced properly. In having a Visa Debit card with USAA, it is inherently understood that I should not need to balance my own account with pen and paper as I would have to with a check. I will not pay another overdraft fee because of their mismanagement of my account and I expect that they be the ones who are fined accordingly for preying on low income families ( and MILITARY FAMILIES at that! ) Yes, in some degree this is my fault for trusting the available balance listed and not expecting to be yet again cheated by their predatory algorithm. One should be conscious of how much money they have to spend regardless of what their bank tells them. It seems almost too absurd that a bank would do this to a customer and yet, here it is!