davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing in response to capital one recent correspondence regarding the reporting of information related to my account, specifically the alleged late payment transactions reported to my XXXX XXXX Report. I appreciate your attention to this matter, but I must respectfully disagree with CAPITAL ONE 's assessment. Firstly, I want to address the issue of reporting transactions that are excluded from consumer reports by law. As per 15 U.S. Code 1681a Definitions ; rules of construction, the term " consumer report '' does not include information solely concerning transactions or experiences between the consumer and the reporting entity. Therefore, transactions and experiences with your company that fall under this exclusion should not be furnished to consumer reports. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! 
A creditor can not treat a payment as late without complying with this section of the law!
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (IL)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Bankruptcy XXXX XXXXdischarged Reference # : XXXX ; XXXX XXXX XXXX Balance : -
Consumer complaint received 2015-06-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

i am currently unemployed and can not make payments on my private loans. I have enrolled in the income based repayment plan for my federal loans and that is {$0.00}. I have on numerous occasions tried to speak to them about some type of repayment plans or deferment or something to if they could help me, eac time they just tell me NO, the minimum payment they will accept a month would be {$170.00}, unfortunately I dont have that. Then they ask if any amily or friends will make my pyments for me. That is a joke. I just need some understanding help.
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc. (IN)

this company is reporting on my XXXX credit report that i owed them money i called this company and the could not find anywhere in the system i ever owed money that in fact it has been paid for several years now and have no record even ever owed money
Consumer complaint received 2015-07-28
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: TMX Finance LLC (TX)

DEBTOR 'S NAME IS XXXX XXXX HE HAD A TITLE LOAN WITH TITLE MAX # XXXX IN XXXX, TX. A COMPANY BY THE NAME OF XXXX, UNLAWFULLY PUT A GPS TRACKER ON HIS VEHICLE AFTER THE PAYMENT WAS DUE. XXXX REPOSSESSED THE UNIT, BECAUSE OF THE GPS TRACKER THAT UNLAWFULLY PLACED ON THE XXXX FORD F250. I KNOW THIS BECAUSE THE MANAGER BY THE NAME OF XXXX CALLED ME AND ASK IF I WOULD REPOSSESS THE TRUCK, BEACAUSE XXXX WAS AN XXXX AWY AND COULD N'T GET TO IN TIME. I ASKED WHO AUTHORIZED THE USE OF UNLAWFUL DEVICE SUCH AS AN GPS TRACKER AND SHE SAID HER BOSS XXXX XXXX HE SAID TO GO AFTER EVERY CUSTOMER WITH VENGENCE, ITOLD THAT THIS WAS ILLEAGAL AND REFUSE TO REPOSSESS THIS UNIT.
Consumer complaint received 2015-10-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

This is a complaint about Ocwen Loan Servicing. I started the process of loan modification XX/XX/XXXX. The process was finalized XX/XX/XXXX. This is 4 months later than when they told me it would be finalized. During the process I made every monthly payment agreed upon. In XXXX I received a statement stating my next payment was due XX/XX/XXXX. I called to verify this date. I was assured everything was set. I made on time payments XXXX, XXXX, and XX/XX/XXXX. Two weeks after my due date in XXXX I received a call saying I was a month behind. This made no sense since I had all the statements saying I was not behind and was paying on time. I requested a work order to figure out what happened. The person who called me could not give me a reason why I had XXXX statements in XXXX that said different things. After they investigated they realized there was an error in funds being transferred etc ( something I do n't really understand ) during the loan modification process and basically I was just a month behind. I explained I could not pay an extra mortgage payment. I 'm on tight budget hence my decision to do a loan modification in the first place. They did not care. Not their problem even though they created it. I am now trying to catch up so I 'm no longer behind and ca n't pay other bills. They are now charging me late fees which makes it harder for me to catch up and my credit score has been damaged. Also almost immediately after just finding out I was supposedly behind I started receiving letters threatening foreclosure.
Consumer complaint received 2021-06-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I contacted Experian to get them to investigate inaccurate, false and misleading information on my credit report. They have responded that they need to check with the data furnisher to see if what they posted is correct. By FTC Regulation all information report on a credit report must be 100 % accurate. Why do they need to now check to see if the information the report is correct. It shouldnt have been reported if they were not sure of its accuracy. They are in clear violation and in non compliance with Basel3 and FTC Regulations.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

i am making a complaint about a late payment / delinquency reporting on my credit report, on all the XXXX credit agencies. 
the account name is XXXX. svs. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. 
thank you
Consumer complaint received 2015-05-07
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO. (PA)

XXXX is reporting 17 late payments on XXXX Credit report illegally after the date of discharge on the following account after repossession / charge off date. Ford Motor Credit is also reporting on my XXXX XXXX credit report 47 lates after repossession and after account was closed and charged off Ford Motor Credit- # XXXX To report lates on closed account is illegal.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Loans, Inc. (NC)

I went to a XXXX dealership to purchase a side by side on XX/XX/2022 and the dealership had me go through a loan agency ( Southern Loans Inc ) to purchase this item. Well after a year or so I went reading up on my contract with them and I found fraud in the contract and it states, " promise to pay '' x amount of dollars ( total amount {$24000.00} ) back with x amount of interest ( 17.89 % ) for 60 months for a " loan I received '' well I never received a loan or bank transaction for this purchase. I have been reading up on USC and UCC laws and all this is fraud.

Title 15 USC 1- Trust, ect., in restraint of trade illegal ; penalty Title 15 USC 1692j- Furnishing deceptive forms Title 15 USC 44- Documentary evidence Title 15 USC 83- Loans by bank on its own stock Title 15 USC 1601- ( A ) Title 12 USC 1431 Title 18 USC 8 Sec. 9-102 ( a ) # 65
Consumer complaint received 2016-06-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (TX)

XXXX/XXXX/XXXX I received a letter from ARA, Inc stating I owed their debt collection agency more than {$12000.00} for an old debt from XXXX XXXX. I have a few accounts with XXXX XXXX that are all current, so I called XXXX XXXX to investigate as this is the first notice from any debt collector regarding this. XXXX XXXX advised me that the account listed on the notice was not a valid account with them. I had XXXX XXXX also check my social to see if there were any old accounts for me, which there are/were none. I spoke to several people within XXXX XXXX 's idenitity theft and fraud units. 
I called ARA, Inc at XXXX the next day and inititally spoke to XXXX XXXX. I explained that I believed they had some bad info on me as XXXX XXXX had no record of this debt. Also, that my credit was not very good back in XXXX and that none of the credit cards that I had at that time, gave me more than {$1500.00} credit. XXXX XXXX told me that the last digit on my XXXX XXXX account number on the notice from them was incorrect. XXXX XXXX placed me on a brief hold to 'verify this info ', and another woman XXXX XXXX picked up. I explained all of this to XXXX XXXX like I did to XXXX and XXXX XXXX told me that the original creditor was really XXXX Bank and that the credit card was mailed in XXXX to an old residence that I did not live at in XXXX. She said that the inflated debt was due to late fees, interest, and penalties, and she stated my SS # to me and that the debt was valid and then started yelling at me. She yelled at me that they would sue me in XXXX XXXX which I lived and then hung up on me. 
I spoke to the Fraud Unit at XXXX XXXX who put me in contact with XXXX to show that some Fraud activity on my credit may appear. I made a report with XXXX and I filed a complaint with the CFPB, my next step will be to contact my XXXX and the XXXX. I am sending ARA, Inc the sample letter on this website inquiring for more information from them regarding this debt. I mailed this letter today XXXX/XXXX/XXXX.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, never late XXXXXXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.
Consumer complaint received 2016-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

My daughter attended XXXX XXXX and XXXX XXXX, NJ graduating in XXXX with a BS in geology. During this period I was employed. After suffering a XXXX XXXX and long unemployment, we were unable to make regular payments on the loads, and my daughter, while employed, makes less then {$10000.00}. Consequently we missed making loan payments. I contacted the legal department and the Office of the Chairman of Citizens bank, the lender, in XXXX XXXX in an effort to reestablish an affordable repayment plan. After several discussions in XXXX of XXXX, I was instructed in writing by the legal department to submit XXXX {$100.00} payments with the expectation that I would be subsequently billed regularly in an effort to repay the debt. I received no billing, and no further correspondence or contact until XXXX XXXX, XXXX. Starting on XXXX XXXX, XXXX, Citizens bank began dunning calls, XXXX to XXXX times a day, and began calling relatives. Then I received a letter on XXXX/XXXX/XXXX dated XXXX/XXXX/XXXX acknowledging the payments, advising that no further payments were received " since XXXX/XXXX/XXXX on the above referenced account, which you agreed to pay. '' Yes, I did agree to pay, where are the bills? Why have they immediately resumed vicious dunning tactics? Why did they not follow through with our agreement to resume billing?
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Bankruptcy XXXX XXXXdischarged Reference # : XXXX ; XXXX XXXX XXXX Balance : -
Consumer complaint received 2022-07-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS IS A COMPLAINT ON TRANSUNION XXXX AND XXXX THESE COMPANIES CONTINUE TO REPORT INACCURATE INFORMATION AFTER BEING PUT ON NOTICE THIS IS NEGLIGENT ON THERE PART AND A VIOLATION 1 5 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. THEY KEEP REPORTING THESE TWO COLLECTION COMPANIES AS OPEN ACCOUNTS AND I NEVER GAVE CONSENT PERSUANT15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, 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. (CA)

lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX, Transunion and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times.

listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish My report hard inquiries that are not mines.
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Paypal Holdings, Inc (AZ)

Paypal XXXX XXXX has continued to call my workplace and harass me AFTER I have specifically told them to DO NOT CALL MY EMPLOYEE ever again! Our receptionist is also a witness that they continue to call and this needs to stop. It is very disruptive to my job and against our company policy!
Consumer complaint received 2022-02-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have sent several disputes in the past to have account ( s ) reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2021-06-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

After closing on a loan modification and re enstating my mortgage I began making payments as agreed with PRMG. They made a mistake and applied my first payment XX/XX/2021 to escrow. I have since been a month behind in their system. I am being negatively credit reported, and charged late fees due to this error on their part. I have called and spent hours on the phone with them a dozen times and have records of it all. They tell me They will correct the problem after transferring me through several departments, and have not done so yet. Ive requested calls back from upper management and have been promised they will call back in 24-48 hours. I never hear back. I dont know what to do I have tried every route with them to fix a simple problem.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received another letter from XXXX aka XXXX XXXX XXXX dated XXXX XXXX as to why they refuse to withdraw my request to close the account. This one has different reasons from the first letter. Nothing about accounts being open too little of time. Because they kept pulling my information without my knowledge. That includes XXXX XXXX. Nobody told me they were going the report again. I am now below average due to too many request and a freeze will be put on the account. Again there was NO reason for them to pull my credit report and change the interest rate. The letter has one credit score my other credit card has a different score which lower
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TN)

My name is XXXX XXXX and I am a consumer submitting this complaint myself. There's an account on my consumer report that is reporting delinquently and inaccurately. 

First of all, the account payment history is included when in fact the FCRA says that a consumer report must exclude the following : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

In this case, AFFIRM INC is the furnishing the very thing that is excluded from the consumer report which is the transactions and experience between myself and the corporation, AFFIRM INC .
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, first national bank & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.