davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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. (NY)

I recently reviewed again my Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

As a result of Hurricane Harvey my wife lost her job and I struggled getting work ( because of closures, etc ) so I could not make 4 monthly minimum payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One ( visa  ) cancelled my account and offered making monthly payments to " reduce balance owed and stop discharge ''. Those monthly payments offered were similar to the minimum amounts set for my account prior to my financial crisis so I accepted and made 4 payments of ~260 each : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX ( shortly after I made the XX/XX/XXXX payment ), I received an email stating that my account is still 4 months due - threatening to discharge and with basically the same balance showing in XX/XX/XXXX. Confused I called Capital One and the explanation is that my payments go to the prior months but the current months are still being charged along with interests and that is why my payments " do not help my situation at all ''. I asked a supervisor to call me to find a solution because it seemed that I was only giving my money away without improving my situation. They promised the will call but never did so I called and after several hurdles was able to talk to a supervisor who confirmed my payments are not helping, that the only way is to start making payments " twice a month '' ( so, double the original plan ) in order to start seeing some change in my situation in the next 5-6 months. Of course I told the supervisor that having known that my ~1,000 dollars will have zero improvement in my situation, I would not have agreed originally to the plan and would have looked for other solutions. So basically I feel I was tricked into a plan in order for Capital One ( visa ) to take 1,000 from me and still owe the same balance before they took the money ( double profit ). I asked the supervisor if there is any other plan or solution because I was not going to continue to give my money away for a credit card that I can't even use and was cancelled since XX/XX/XXXX (  without asking or calling me ). She said something like : " there is no other way, and you are almost getting discharged and your credit will be impacted for 7 years, so its your choice ''.
Consumer complaint received 2024-07-14
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. (TX)

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 name : XXXX XXXX XXXX ( XXXX ) has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed individual about whom the report relates according to 15 USC 1681 ( e ) ( b ), And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ava Finance, Inc (LA)

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with ava finance , I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with ava finance customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights. Ava finance is tarnishing my name and credit profile by reporting these 7 late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Consumer complaint received 2024-07-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (IN)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an entry on my credit report attributed to Sunrise Credit Service, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account in question has negatively impacted my credit history despite previous successful disputes with XXXX and XXXX. 

Specifically, I initiated disputes regarding this account on XX/XX/XXXX, with XXXX and on XX/XX/XXXX, with XXXX. Both credit bureaus confirmed the removal of this account from my credit report. However, as of XX/XX/XXXX, this account has reappeared, causing undue derogatory effects on my credit profile. 

Furthermore, if Sunrise Credit Service has engaged in any illegal activities resulting in the improper reporting of this account, I request to be compensated for the harm it has caused to my creditworthiness. 

Enclosed with this letter are copies of the correspondence from XXXX and XXXX confirming the removal of the disputed account for your reference. 

Please investigate this matter promptly and provide me with information regarding the steps being taken to rectify this issue. I look forward to your swift response and resolution of this dispute. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

So I paid off my total balance of the Capital One Venture X card and I closed the card account. I thought that it was all that I needed to do. Then I found out I was charged interest on purchases but there were no purchases made after I paid off the card. Then I was assessed a late fee and then another interest charge. I paid off the XXXX interest charges and the late fee after I explained to them how unfair it was. I got no notice of these interest charges. I had to pay it off because I was worried about my credit score. I want a refund of my interest charge and my late fee. 

XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge {$0.00} > XX/XX/XXXX PAST DUE FEE Fee {$21.00} XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge {$21.00} XXXX XX/XX/XXXX CAPITAL ONE MOBILE PYMT AuthDate XXXX XXXX  Payment - {$8400.00}
Consumer complaint received 2024-07-09
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. (NJ)

XX/XX/24 i called equifax to habe disputes taken down amd off my credit report and they along with XXXX, XXXX  are not reporting up to date fair and accurate reporting on my credit report my XXXX  score is XXXX since XXXX and has not been changed to be updated this is unfair and inaccurrate information and scores i dont own a home, i paid off all homes, i sold my XXXX  XXXX XXXX XXXX the dealer that bought my car and all theu are doing is showing late payments that are all old on my current credit report equifax told me XXXX that my official XXXX  score was XXXX and should be reflected with all banks and loans places and it is not even accurate information
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2024-06-29
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. (IN)

My account with CXXXX 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 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. 


XXXXXXXX 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-29
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. (IN)

My account with 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 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. 


XXXXXXXX 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 2024-06-29
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. (IN)

My account with 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 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.

XXXX 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 2024-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

I applied on XX/XX/year> for a student loan consolidation, and in the application I chose the XXXX plan. I was given a payment amount of {$XXXX} at that time. I should have approximately 10 years of payments remaining after the IDR payment counts are processed this year. My loan consolidation was completed on XX/XX/year>. XXXX has placed me on the standard repayment plan, with payments of {$XXXX} for 30 years. They sent me a bill for a total of {$XXXX XXXX} per loan, due on XX/XX/year>. When attempting to set up a payment online, I was not able to allocate {$XXXX to each loan, and had to increase my payment to {$XXXX} to get the loan with a lower balance to have the full {$XXXX payment shown on my statement. Then they sent me another bill for {$XXXX  due on XX/XX/year>. 

I sent a message on XX/XX/year> stating that I had applied for XXXX with my consolidation, and that the studentaid.gove website shows my payments should be {$XXXX and my application status is " in review ''. I also requested to be put in forbearance if they needed more time to process the application. I received a reply stating that they show I am on the level plan and have a payment of {$XXXX  ( possibly reflecting the {$XXXX payment I made due on XX/XX/XXXX ) due on XX/XX/year>.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

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 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (NJ)

I can not believe y'all closed my case in XXXX b/c you heard from the company. The only way the company has been corresponding to my complaints is thru the NJ Dept of Banking & Insurance. I've had nothing but grief since the company- Selene Finance- started serving my loan. There not one isolated incident, but a string of them. The most recent was how they were applying XXXX payments & changing my ESCROW analysis after the state agency requested data. They continued to report my payments as late, and inadequate b/c their escrow analysis - which they only acknowledged in correspondence to the state in XX/XX/year> ( 4 months after I requested an explanation ) - exceeds the legal limits that they make collect. I have been paying my principal & interest for the last 2 months & now they've sent a letter of intent to foreclose. I documented their predatory practices & am frustrated that the state has done nothing but mediate communication. I've been in my home for 17 years ... this is the 4th loan servicer & all they've been doing is causing me grief. I didn't sign an agreement with Selene finance & should not have to deal with their unscrupulous and seemingly illegal banking practices.
Consumer complaint received 2024-01-23
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: Affirm Holdings, Inc (CA)

This is in regards to an open dispute with XXXX XXXX in the amount of {$310.00} affirm has yet to resolve the dispute after their 90 day timeframe has lapsed, placing my account in CHARGED OFF STATUS which is a breach of agreement. I have attempted to resolve this dispute with customer service by telephone and email, support has repeatedly stated they have escalated the dispute to the appropriate team for review in resolving but have not received any response. I have email records from affirm stating the dispute was ruled in my favor and a refund will be issued, but yet the account has been placed into collections with XXXX XXXX XXXXollection agency
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively.

These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.