davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Company verified they received my later on XXXX. Since that time I have phoned several times in regards to Fair Collection accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager SPAR states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent 2 certified letters to XXXX, XXXX, Transunion and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I sent 2 certified letters to XXXX, Equifax, XXXX  and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP
Consumer complaint received 2018-01-29
Product: Credit card or prepaid 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 (NJ)

My father who is XXXX went online to renew his XXXX XXXX. He unfortunately came across a predatory site that was supposed to help him but instead just charged him {$170.00} to do what the government USCIS site already does. He called both the service provider and Bank of America - the provider of the credit card that he used - as soon as he realized that something was amiss. While the site promised a refund, he was only offered a partial refund. He then contacted Bank of America to dispute the charge. 

Bank of America has just notified us 4 months after the initial call that the dispute has been denied and that we have no recourse because we willingly provided the unscrupulous vendor credit card information. This is a business that has 150 complaints against it and rated an " F '' and Bank of America is actually abetting this predatory company. We might have to pay this money but never again will any member of this family do any business with Bank of America. 

They do not deserve your business.
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AL)

MOHELA took an auto payment, and over paid a loan by {$220.00}. This occurred months ago. I requested that MOHELA move the overpayment to an active loan. I have been told, by MOHELA, to wait 37 days, then XXXX days, then XXXX days, then another XXXX days. This request still has not been completed, and interest is accruing to my account on their behalf. I sit on the phone for hours, just to talk to someone new who is clueless and no help.
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Sent disputes out for several inacurate accounts weeks ago. Nothing was changed. the accounts are still reporting on my consumer report. These accounts have not been verified and are a violation of the FCRA. PLEASE REINVESTIGATE, BLOCK AND DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT immediately to avoid litigation.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX AND 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 XXXX AND 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Dispute of Late Payments Under the CARES Act, FCRA, and TILA Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my credit file. Specifically, I have noticed XXXX late payment entries on my credit report from ( XXXX ), which occurred during the COVID-19 pandemic. These late payments are inaccurately reported and do not comply with provisions under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act Violation : During the COVID-19 pandemic, Congress passed the CARES Act, which allowed consumers to make payment arrangements with creditors without incurring penalties on their credit reports. I had an arrangement in place with XXXX during the period in question. Under Section 4021 of the CARES Act, creditors were required to report accounts as current if a payment accommodation was made during the COVID-19 pandemic. Despite my payment arrangement, these six payments are marked as late on my credit report, which constitutes inaccurate reporting. 

FCRA Violation : As per the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. The inaccurate late payment reporting on my account directly violates this act. Since I was in an arrangement with my creditor during the pandemic, the late payments should not have been reported.

TILA Violation : The Truth in Lending Act ( TILA ) also mandates that creditors and reporting agencies provide accurate and fair information related to credit transactions. Reporting these payments as late, when they were subject to a payment arrangement, constitutes inaccurate and misleading information under TILA.

Request for Action : I kindly request that you : 1. Investigate this matter and verify the accuracy of the reported information with my creditor.

2. Remove the six late payments from my credit report with immediate effect.

3. Provide me with a corrected copy of my credit report once the changes have been made.

Thank you for your cooperation in resolving this issue.
Consumer complaint received 2018-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc. (AL)

Back in XX/XX/XXXX, I became very ill with the XXXX. I went to XXXX XXXX   because I couldn't XXXX XXXX XXXX XXXX. I gave the hospital all my insurance and billing information. I never heard about me having any type of balance till XX/XX/XXXXafter running my credit for a home. The balance is {$230.00}.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

all I am trying to do is access my Equifax credit since the breech I have been unable to access it I have been calling Equifax for 7 days straight 2 to 3 hours a day calls gets answered overseas by staff have no knowledge no care about united states consumer I pay them for membership {$12.00} month to protect my credit I am trying to lease a vehicle and due to the fact my credit is locked I am unable to do the purchase Equifax unable to unlock my credit it is frustrating calling daily and no help specially when you have your call answered by a person overseas who would care less I am amazed as big of a country as we are we have people overseas handle our sensitive information It has to be someone I can contact or write to who would listen I have attorneys work for me I will be glad to file a law suit against Equifax I can be reached at XXXX
Consumer complaint received 2018-01-29
Product: Credit card or prepaid 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: CITIBANK, N.A. (MN)

I have contacted XXXX 's XXXX several times regarding my fraud claim. For account XXXX. 
After I reported the charges they issued a new account number which is above. 
They said after called to check the status of the claim that it was denied because I had not return the form back. I submitted the fraud claim to them twice. 

Now there is fraud charges of XXXX in the account which I also reported late payments on the credit reports which adversely affecting my credit.
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XX/XX/XXXX  CFPB, XXXX XXXX XXXX XXXX XXXX for Inaccurate Reporting on XXXX, TransUnion Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their inaccurate reporting of an auto loan account that I previously held with them. 

Throughout my time with XXXX XXXX XXXX, I consistently made my payments on time. However, upon reviewing my credit report from Annual Credit Report, I was alarmed to find that this account is inaccurately reported as a " charge-off. '' Furthermore, my XXXX  app indicates that the account status is listed as " Legally Paid Less than Full Balance CLS. '' It is important to note that a charge-off typically occurs between 120 and 180 days after an account becomes delinquent, which is not applicable to my situation. I believe this misreporting is in violation of the Fair Credit Reporting Act ( FCRA ), and it has negatively impacted my credit standing. 

I will be uploading all supporting documents related to this claim, including payment records and credit reports, to substantiate my position. 

I request that the CFPB investigate this matter and assist me in resolving this issue with XXXX XXXX XXXX. Thank you for your attention to this matter.
Consumer complaint received 2024-10-14
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. (FL)

XXXX, XXXX, and XXXX, PA a XXXX XXXX XXXX law firm sent me a Notice of a Data breach which occured in XX/XX/XXXX. However it was not made known to me until XX/XX/XXXX. My date of birth, social security number, driver 's license number, financial account information, medical information, etc had been leaked. 

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I've placed a freeze on my credit report with all three credit reporting agencies.

15 U.S. Code 1681e ( b ) ( Accuracy of report ) 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 to whom the report relates.

15 U.S. Code 1681i ( 5 ) ( Treatment of inaccurate or unverifiable information ) ( a ) In generalIf, 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 : 1. 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 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the credit consumer. 
Please remove the following accounts from my credit report immediately : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2016-09-08
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Revenue Recovery Corporation (TN)

I was involved in a motor vehicle accident. I went to the emergency room for treatment and gave my insurance details. I had health insurance. Instead of billing the insurance company the hospital sent me the bills. I repeated told them to bill my insurance company. After few months I hired a lawyer. My lawyer called the hospital to bill my insurance company. Despite my and lawyers repeated calls to bill my health insurance the hospital sent it to collection company. I do not remember receiving any call from them. I found out about the collection debt when I applied for a home equity loan. The emergency doctor who treated me in the emergency room billed my insurance company and he got paid. This is an unfair, aggressive and illegal debt collection practice. The hospital is XXXX Medical center in XXXX XXXX TN
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I have sent in my documentation more then once they have validated and accepted my ID and social many times and Equifax still does not report my credit. To experian or keep it karma or any 3rd party agencys I have had non stop issues with Equifax for years not reporting my credit. And Im tired of working on my credit and not being able to see it I do not wan na use the Equifax app as that is my right so again Equifax needs to fix this
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Good Afternoon, I looked at my credit report back on XX/XX/year> and realized that some things were incomplete and not accurate. I sent a letter asking them to reinvestigate these accounts below : XXXX XXXX XXXX - Account XXXX open date is not reporting correctly, date last active and date of last payment is not right, this account is not accurate. 
XXXX XXXX XXXX - Account XXXX open date is not reporting correctly, date last active and date of last payment is not right, this account is not accurate. 
XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active and date of last payment is not right, this account is not accurate.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

My mortage loan with XXXX was sold to Ocwen. When I have made my payments past the due date. I include the late fee with the payment. However, Ocwen does not correctly apply the late payment and my account continously shows late charges. I have called their company on several occasions to request this be corrected as it has hindered my efforts of trying to refinance my home. Creditors constanly see these late charges that I have paid an they mis-apporiate the payment so these late charges continue. I can not get any assistance when I contact thier company.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
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. (FL)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX  account ( XXXX XXXX account number XXXX )