davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
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: Security Credit Services, LLC (TX)

XXXX XXXX, I BELIEVE THEY TOLD ME IT WAS A BUSINESS CARD BUT THE ACCOUNT NUMBER ENDS IN XXXX. SECURITY CREDIT SERVICE ACC # XXXX, THIS COMPANY TOLD ME TO EMAIL MY FRAUD CLAIM ALONG WITH THE DOCUMNETS ANDTHEY DENIED IT AND TOLD ME TO MAIL IT AGAIN, PLAYING A STALL GAME.BY I NEVER VALIDATE THAT ACCOUNT, I NEVER SAID THAT ACCOUNT WAS MINES. I TOLD THEM ITS FRAUD, IM NOT PAYING AND TO NEVBER CALL ME., THEY VIOLATED THE FDCPA ACT AND THE FCRA ACT BECAUSE I TOLD THEM THIS IS A FRAUDULENT ACCOUNT..ACCORDING TO THE CREDIT BUREAUS THIS IS A COLLECTION ACCOUNT BUT XXXX HAS IT LISTED AS A CHARGE OFF AND COLLECTION. IM GETTING DOUBLE PUNISH.IN CASE I HAVE TO SUE XXXX I HAVE 6 HOURS OVER THE PHONE RECORDED WITH THEM TELLING ME A LIE EVERYTIME, SAYING THEY REMOVE IT OR THEY CANT BUT THEY WILL THIS TIME, THE CFPB AND FTC REPORT IS FAKE REPORTS AND MORE REDIQULOUS STUFF. AS I HAVE SAID IN MY PREVIOUS COMPLAINTS NOW I HAVE XXXX AND XXXX AND PANIC ATTACKS. THE DOCTOR DIAGNOSE ME AND NOW I GET PRESCRIBE THIS MEDICINE. WHATS IS SO SAD ABOUT XXXX XXXXXXXX, THEY SAID NOT ONE PAYMENT WAS MADE.I BEEN SENDING THEM ADDITIONAL DOCUMENTS FOR 4 YEARS OR A LITTLE LESS. IM A VICTIM OF FRAUD I SUBMITTED FTC REPORT, POLICE REPORTS AND UPDATED POLICE REPORTS. AND WHEN THEY SAID NO TO THAT THE CREDIT BUREAUS SUPPOSE TO MAKE SURE THEY VERIFIED TO THE MAXMIMUM ACCURACY AND ITS OVER HALF WAY COMPLETE AND XXXX EVERYTIME SAY THAT BECAUSE THEY DONT SEND THE INFORMATION THAT THEY WILL NOT REMOVE IT NO MATTER WHAT. I HAVE AUDIO FOR THAT.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX both of and all of my Capital one cards where hit with fraud I am up to date on all my charges and I owe capital one nothing. Then XX/XX/2023 came and I tried very hard to get my phone number changed with my account with XXXX XXXX separate times through their live chat for XXXX individuals. All XXXX times using their link to send my drivers license it is not clear they received this or not. This is a security measure they use to change information in a person 's account. Now I have requested a alternative to a mandated phone call as a reasonable accommodation XXXX separate times since XX/XX/2023, so I can equally use their services yes I am XXXX. Capital one does not care to realize their are other types of XXXX that one who is XXXX XXXXXXXX, they insisted they are following XXXX laws by telling me to use XXXX XXXX XXXX In which my XXXX prevent me from using a phone period! I don't know this stuff and do not care to know this XXXX stuff. I recieve paperless bills but Capital one refuses to change my phone number since XXXX of 2023 so that I could pay the only debt I owe with Capital one and this is my annual fee for my XXXX  XXXX card. I did report this in the beginning with the CFPB and because nothing was resolved I suffered damages and grief from this. MY CREDIT SCORE MY PERFECT CREDIT SCORE WAS TARNISHED! Capital one reported delinquency for something that is their fault not mine. I need that credit so I could apply for a home repair loan to fix emergency major repairs to my house! Yeah thanks Capital one. When Capital one decided my XXXX are not covered under the XXXX they made a very very big mistake! I want all negative marks erased! I want Capital one to get over their head trip of security nonsense and change my XXXX phone number in my this is my # now XXXX XXXX XXXX XXXX but if you call I will not answer. Capital one requires a valid phone # just to get and keep a Capital one credit card. I want Capital one to waive their fees they put on this - my not being able to get into my account and pay my annual fee for my XXXX XXXX card. And I want Capital one to send me my new credit cards for my XXXX XXXX XXXX XXXX cards. They have canceled out my cards I have and nearly XXXX months later I have yet to get my new cards. That caused caous when both cards got hit this whole experience with capital one has caused grief and real damage. If the CFPB chooses not too resolve this until this is completely resolved I will be forced to file with XXXX rights of XXXX XXXX  for violations to the XXXX and XXXX XXXX. Hud is already aware with this situation XXXX XXXX XXXX XXXX hud enforcement XXXX. CFPB your partially responsible for this continuing and causing harm
Consumer complaint received 2023-09-09
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. (VA)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
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. 

XXXX  # XXXX - BALANCE {$710.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX # XXXX - BALANCE {$310.00} Date Opened XX/XX/XXXX XXXX  # XXXX - BALANCE {$160.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX  - Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - BALANCE {$430.00} Date XXXX XXXX  XXXX # XXXX - BALANCE - {$470.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$3100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX XXXX XXXX TX # XXXX Date Opened XX/XX/XXXX XXXX  # XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$1000.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE - {$4600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - BALANCE {$780.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - XXXX {$2500.00} Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - BALANCE {$1300.00} Date Opened XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with EQUIFAX 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 ( 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.

EQUIFAX 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 2024-10-05
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

On XXXX I called Synchrony Bank in regards to my Amazon XXXX  card. I received a letter stating the Payment i made was rejected. They cant provide me with the routing number that was entered or the account number that was entered. I can not log into the account and view this information either. Only options i have are to delete the payment method or add a new one. If 2 returned payments are made within a 12 month period Synchrony will close your credit account. I should be able to access and view the Bank Account information that I entered as a payment method. Synchrony Bank has prevented me from doing so. I can not verify what they are saying happened as i Can not see the information that was entered. I DO NOT BELIEVE A WORD THAT THEY TELL ME AS I CAN NOT VERIFY ANY OF THE INFORMATION. Any other reputable business sends one or two small deposits to your bank and requires you to verify the deposits that were made BEFORE you can use that bank information to make a payment. I CHECKED THE BANK INFORMATION 3 TIMES BEFORE I SUBMITTED IT AS A PAYMENT METHOD. IT WAS NOT INCORRECT. Synchrony is in the business of ruining peoples credit history plain and simple. They use a completely archaic website in order to LIE about what they are really up to. I ABSOLUTELY HATE THIS COMPANY WITH A PASSION. IF I COULD TRANSFER MY AMAZON XXXX CARD TO A PROPER BANK I WOULD DO SO. WHY IS THIS COMPANY EVEN ALLOWED TO DO BUSINESS.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without MY written instructions.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with EQUIFAX 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 ( 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.

EQUIFAX 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 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XX/XX/XXXX, I ( XXXX XXXX XXXX ) sent a dispute to company Portfolio Rec and its Affiliates. regarding an alleged inaccurate debt that was place unto my consumer report. there are an erroneous number of inaccuracies across all three major consumer reporting agencies. reported by portfolio Recovery Company and its associates. 
Which they are prohibited to furnishing such information if it's known to be inaccurate By Law under the FCRA They have a grave duty and responsibility to ; The lender must file form 1099-C and send you a copy if the amount of debt canceled is {$600.00} Or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. 

( That above paragraph is taken directly from the IRS publication XXXX ) Send me my 1099-C form that you should have sent when you filed this account as a cancel debt. 
I will list my address below and above 15 U.S.CODE 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This company is knowingly and willfully being noncompliant with the FCRA, AND FDCPA. 
These erroneous reporting is fraudulent being that it's a Collection/ Charge-off, late 120 Days, One XXXX XXXXXXXX Account Have been split between two debt buyers ' companies who are affiliates with one another. 
This is fraudulent to write it off as a charge-off but still try to collect on the same account under affiliates. 
with different reporting. 
Their ignorance to the law is no excuse for the substantial number of damages this company have caused me and my family. due to their negligence and noncompliance with congress Law.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2021-04-03
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. (SC)

most recently, on XX/XX/2021 I am a authorized user on a XXXX XXXX credit card, and Experian has repeatedly failed to abide by CRA and FCRA guides, specificity Furnisher Rule 660.4 ( a ). I have spoken with the creditor and their direct response has been " XXXX XXXX 's normal business practice is to send account information to the credit reporting agencies 2-3 days after the billing period ends, and the information should be the same that is on your statement. XXXX XXXX  may report consumer accounts to three Credit Bureaus : Experian, XXXX XXXX XXXX  However, we have no control when the CRAs update their information. '' Now I have been an authorized user for quite a few months, and it has been successfully reported across all another reporting agencies. and still no information regarding my account is being reported at all.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Your company failed to respond within 30 days to a letter i sent out about suspicious activity on my credit report. im requesting these items be verified ( and send the method of verification to me ) or removed immediately.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

I applied for an apartment and was informed that I have an eviction flagged on my credit report. The house that is listed belonged to me and my former spouse located in Louisiana. The house that we owner was sold in XX/XX/XXXX and the proceeds were divided 50/50.
Consumer complaint received 2021-01-22
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. (NV)

All of these accounts are showing late and it's in no fault of my own. Please reverse these late charges on all of these accounts. I have great credit. Also due to CARES ACT, in no way should any of my accounts show any negative remarks. Please reverse them as none of these creditors care. 

100 Claims account deferred, 105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing. 

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
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I have phoned American Express a number of times regarding my American Express Platinum card that I was approved for on XXXX XXXX XXXX. The offer that came to me was for XXXX bonus miles so I applied online ( attached ). I have never gotten the bonus miles. When I first called in after spending {$6000.00} in the first month they told me I may have to wait six months since thats the amount of time I had to spend {$6000.00}. 

Today I phoned in again and they said I didnt qualify because I had an AMEX card in the past. They said an email came to me letting me know that I didnt qualify for bonus points. The attached email is the only one I received. When I applied online, it didnt tell me I wasnt eligible, only that my application would be reviewed and I would be notified.
Consumer complaint received 2022-07-18
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Balance : {$620.00}
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, XXXX, Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}