davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Really, I want it credit card companies o have the same end of day as the rest of the world. Why are their cutoff times arbitrary if not to purposely to charge consumers fees? paid my balance in full and still I ended up with late fees because they said even though I made the payment on the due date, it was after XXXX CST and therefore counts as late. The system will automatically force to another day. I have multiple cards and there are at least 4 different time zones. I send ACHs all day and I can say that the random cutoffs is a moneymaking scheme used to maximize late fees and finance charges. Purposely tampering with and misrepresenting consumers information. What kind of nonsense is this?
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

They store credit card information for future payments. However, you can not manage your credit cards to add or remove them. They have been unresponsive to my request to remove them so that I can add new payment methods as some of my credit cards have expired. I have submitted the request via their website form and through the chat, multiple times. Now, my account is delinquent and past due and has affected my credit rating.
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The financial institutions listed below continue to violate my federal right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as Transunion, XXXX, or XXXX, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. 

Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting.

Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. Transunion, XXXX, and XXXX, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.
Consumer complaint received 2022-06-24
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. (AZ)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-07
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. (DC)

To whom it may concern I contacted Trans Union, XXXX and XXXX regarding this fraudulent account placed on my credit report. I also reached out to the company XXXX XXXX XXXX the company XXXX XXXX XXXX/ at your service in question does not have any signature, contract, identification, or anything indicating that they were in business with me or that I did businessAdditionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt with them. How can a company place an account on someones credit file without it being some type of verification that the person does actually have an account. Additionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt. I received no documentation or letters, regarding this debt. this is a fraudulent debt. XXXX, Trans Union, or XXXX did not investigate, this company to confirm the validity and authenticity of this trade line before being placed on my credit report. This credit report is hindering my well-being and now I am facing employment issues and ramifications if this is not resolved, this fraudulent account is on my report and XXXX, Trans Union , XXXX fail to uphold the FCRA and confirm the validity of this account
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (CA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MA)

So I was trying to send my son XXXX $ and for some unknown reason. Western union refused the transaction. My wife had earlier sent a test transaction of XXXX $ and it went thru so she then tried to send him an additional XXXX $ and it was denied. She tried to send lesser amounts to no avail all transactions were denied. That is when I tried with my own account. Completely separate from hers and it was also denied. My son is a UNITED STATES XXXX XXXX VETERAN!!!!!!! I want to know why one XXXX $ test transaction was successfully sent but as soon as we tried to give him more money through different accounts and banks they were all denied. We are just trying to help our son and western union is denying our attempts with no reasonable explanation..
Consumer complaint received 2023-02-07
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. (FL)

XXXX XXXX  # XXXX XXXX XXXX  # XXXX I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my tracking number : XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shail not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, I would like to know who did they talk to. 
How did they complete this investigation
Consumer complaint received 2020-05-11
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. (AR)

I have been receiving a letters in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$170.00}
Consumer complaint received 2020-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX reported my account over 30 days late even though we had an agreement in place which I sent to Experian. Experian lets things go 45 days with out a response but again the consumer gets the shaft because these banks control Experian. The other credit bureaus have already removed these items after I sent documentation. So I am going trust that Experian even did the investigation. My next plan of action is filing a lawsuit against Experian and XXXX.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  # XXXX XXXX  XXXX  # XXXX I sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX. Here is my tracking number : XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shail not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, I would like to know who did they talk to. 
How did they complete this investigation
Consumer complaint received 2024-10-10
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Unauthorized inquiries : XXXX XXXXXXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (GA)

Americollect has reported a medical debt to all 3 credit beareus as a " other '' loan for a sum of {$140.00} without contacting me in any way. This bill has already been paid to the XXXX  for an XXXX  visit back in XXXX XXXX XXXX  but they are showing that the account is still open. When I contacted them by the number on my transunion report they told me the ONLY way they would close the account is by granting them electronic access to my bank account.
Consumer complaint received 2020-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filed a dispute on XX/XX/XXXX against XXXX in the amount of XXXX. XXXX. Bank of America never contacted me or allowed me to upload my documentation showing that the merchant said they would refund me in 30days. Today XX/XX/XXXX I received in the mail a notification from BoA stating they were siding with the merchant and they were going to take XXXX from my account on XX/XX/XXXX.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (MO)

XX/XX/XXXX XXXX 's XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX, XXXX, TX XXXX Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Whom It May Concern : Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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 about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( XXXX ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX XXXX CO ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1000.00} {$1000.00} No. of Months ( terms ) : - - High Credit : {$1000.00} {$1000.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Consumer disputes this account information Medical Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX thank you
Consumer complaint received 2020-05-11
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: Shellpoint Partners, LLC (FL)

Per judgement in my divorce decree on XX/XX/XXXX, I was to be, " held harmless of any mortgages and or liens '' on the primary residence given to my ex-wife. On XX/XX/XXXX, the mortgage company XXXX performed a quitclaim title of the primary residence to Shellpoint Mortgage Servicing ( a part of XXXX XXXX, XXXX XXXX. Shellpoint foreclosed on the primary residence in XXXX of XXXX. Despite the judgement in XXXX, the foreclosure shows on all three credit bureaus. I have tried multiple times to get it removed from all three credit bureaus with no success. I have tried to get it removed from Shellpoint directly with no success. Finally, I enlisted a third party, XXXX XXXX, to try on my behalf to remove Shellpoint. All three credit bureaus ( XXXX, XXXX, XXXX  ) refer back to Shellpoint and Shellpoint re-validates the account with each request. XXXX XXXX not been successful either in removing Shellpoint. 

Please note that I have successfully removed the original mortgage company, XXXX, from all three credit bureaus and XXXX XXXX has been successful in removing other incorrect and negative information. I am trying to rebuild my credit to purchase a home.
Consumer complaint received 2023-02-07
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. (FL)

XXXX bank # XXXX XXXX XXXX # XXXX I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my tracking number : XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shail not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, I would like to know who did they talk to. 
How did they complete this investigation
Consumer complaint received 2024-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (FL)

I am writing to follow up on the removal of the XXXX XXXX XXXX XXXX XXXX XXXX from my mortgage account. As per the email I received on XX/XX/XXXX, I was informed that the process would be completed within XXXX business days. However, it has now been over XXXX months and I am still being charged for XXXX. 

I have contacted customer service on XXXX separate occasions and each time I have received a different response. The first time I called, I was told that the necessary documents were not available. The second time I called, I was assured that all the required documentation had been received and that the process had been escalated, with a promised completion date within XXXX days. However, when I called for the third time, I was informed that the process was still ongoing and that it typically takes XXXX  days to complete. I requested to speak to a XXXX, who then advised me that the process could take up to XXXX days and attempted to transfer my call to another representative. 

I am concerned about the lack of consistency in the information I have received and the extended delay in removing the XXXX. The XXXX  ( XXXX ) ratio is XXXX below XXXX XXXX and as per the email received on XX/XX/XXXX, the XXXX should have been removed within XXXX business days. 

I kindly request that the XXXX be removed promptly and backdated to my XXXX payment, as per the original timeline communicated in the email. 

Call records : XXXX - XX/XX/XXXX call XXXX XXXX sec : received documents XXXX - XX/XX/XXXX call XXXX XXXX sec : XXXX escalated '' it should take XXXX days. 
XXXX - XXXX call XXXX min : processes takes XXXX days, " escalated '' follow up in XXXX days. 
XXXX XX/XX/XXXX call XXXX XXXX sec : XXXX pending, everything should be back dated to when it was submitted. 

This needs to be backdated to XXXX payment ones is finalized. 


Thank you for your attention to this matter. 

Best regards, XXXX XXXX. 
Cell : XXXX
Consumer complaint received 2024-09-04
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. (PA)

I am writing to inform you that I have been a victim of identity theft, resulting in the unauthorized addition of several fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. I now request the immediate removal of these fraudulent accounts to ensure the accuracy of my credit report.
Consumer complaint received 2024-09-04
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. (OH)

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, Experian, and XXXX.