davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with 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 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.

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 2022-06-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

I was fired from my job on XX/XX/2021 and didn't learn about mortgage forbearance because of the COVID " pandemic '' until the first part of XXXX. My mortgage was through XXXX but " serviced '' by Nationstar Mortgage. I started the forbearance that month but had already made the monthly payment for XXXX and as a result my loan was displayed online as $ XX amount. It was explained to me when I started the forbearance that I would have to pay the missing payments back - to which I replied " of course ''. If it had been TRUTHFULLY explained the interest of my loan would accrue daily while I wasn't making mortgage payments I wouldn't have started. We just closed on selling our house and the payoff amount was {$8000.00} more than what was ALWAYS displayed on my online account. I feel that this is a deceptive practice that is portrayed as helping but truthfully it just added more $ $ to my mortgage.
Consumer complaint received 2024-11-02
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. (WY)

I am contacting you about the compromising of my social security number.i am a victim of identity theft/data breach.i contacted the federal trade commission and filed an ftc report number:XXXX which is attached.please block remove all negative accounts listed below from my credit report and send me an updated copy of the credit report.i have submitted numerous dispute letters and you have taken advantage of my federally protected rights under15u.s.c1681c2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance $ XXXXon transunion and eXXXX XXXX XXXX XXXX XXXX XXXX  acount # XXXX balance {$1400.00} on transunion XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX balance {$26000.00} on transunion and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX acount XXXX XXXX balance {$6500.00} on XXXX and XXXX please block delete the aforementioned accounts within XXXX business days of receiving this complaint in accordance to 15 usc 1681c-2 the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days.failure to respond satisfactory will result in a small claims action against your agency.i will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each per 15 usc 1692k : 1.defamation of character. 2.neglegent enhancement of idenity fraud. 3.violation of the fair credit reporting act 4.violation under 15 usc code 1681o-civil liability for negligent non compliance. 5.violation under 15usc 1681n ( b ) civil liability for willful non compliance.i am enclosing a credit report from today that has all of the inaccurate inconsistent incomplete information being reported highlighted.it is the data furnishers responsibility to report 100percent accurate information of delete from my file because it is severely hurting me from obtaining a new home and a car.i am fighting XXXX XXXX XXXX and need to be able to go to the doctor, and pick up my kids from school.i demand a proper investigation.when ever a consumer report containing any negative information being reported with out my written consent is considered identity theft and I never authorized any of these accounts to be opened or reported.
Consumer complaint received 2024-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/XXXX I made my mortgage payment through the Citizens Bank app by electronic transfer from my XXXXXXXX XXXX checking account. I received confirmation that my payment was submitted at that time. Later that day I received confirmation that my payment was received with draft date of XX/XX/XXXX and confirmation number. Monday, XX/XX/XXXX, I received an email thanking me for my payment. Then on XX/XX/XXXX, money was returned to my checking account and I received an email stating that payment was not made. I can verify the funds were in my account on Friday XX/XX/XXXX ( draft date ) and Monday XX/XX/XXXX. However, Citizens Bank representatives keep telling me that my payment was returned for insufficient funds and a late fee and a return check fee were applied. This happened back in XXXX and XXXX of this year as well, so I went to make a payment in person at the bank. I was told they could not accept payment that way but I can try opening a checking account with them. I don't trust them enough to do that, and I would like a method that can ensure my payment is being processed when I'm told it is being processed. So far no one has been able to do that.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of a recent data breach, resulting in unauthorized accounts and inquiries on my report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit history. 
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 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 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 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 2020-07-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (MI)

My husband is currently XXXX. We turned in his XXXX XXXX lease. We did not release because of his XXXX. GM Financial is now claiming we must pay {$700.00} in lease disposition fees. I explained my husband is XXXX and asked if there was any coverage under the service members relief act. I was told there was not, I need to release a vehicle. It's physically impossible for me to drive two cars at once. I am looking for assistance in understanding the relief act and holding companies responsible for such actions as this. My husband puts his life on the line every day for our country and all GM Financial cares about is {$700.00}. We did plan on releasing when he returns home, so I asked if we could postpone charges as we did plan on a new vehicle when he got home. Any help would be greatly appreciated. GM Financial account number is XXXX.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

Chime Capital, LLC, and its compliant banking partner The XXXX XXXX XXXX have suspended my checking account with no advance notice. Multiple attempts to reach out to Chime 's support staff, by both email and phone, have proved fruitless. This " bank '' refuses to respond to emails and refuses to raise account restrictions. The listed reason for the account restriction is a " rapid withdrawal '' of {$5000.00}. What a ridiculous company that withholds its members ' money and payroll deposits and refuses to reply to customer complaints. A BANK 'S NUMBER ONE PRIORITY IS ALLOWING ITS CUSTOMERS TO ACCESS THEIR FUNDS. What an embarrassment.
Consumer complaint received 2023-07-24
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$0.00} EQUIFAX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-09
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: Westlake Services, LLC (SC)

In accordance with the fair credit reporting act Westlake Financial SVC XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX, has violated my rights. 

XXXX. XXXX, XXXX XXXX, has violated my rights. 

XXXX  XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-01-02
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. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-08
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$500.00} USDEPED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (NY)

My XXXX father with limited English language and computer proficiency started trading crytocurrencies for a brief period in 2021 on the Robinhood platform. I was living in his home at the time, so I was able to provide him with the assistance he needs in order to not need customer service assistance. Since then, I have returned to my own home and have assisted him with basic online needs remotely. 

The problem arose when he requested tax documents to be mailed. Since he is unable to get them online, I was able to work with his other brokerage firms to get his tax statements mailed to him. When we tried to get them from Robinhood, there were all sorts of issues, including : - no direct phone number that can be called to reach a live customer service representative - completely useless online customer service email correspondence to the issue at hand in numerous attempts to get the service we needed - what felt like robo customer service with no discernment for emailed customer inquiry While I understand that one presumably needs to be technically proficient to trade a technical product, these are real financial transactions with what the XXXX indicated today is a SEC-regulated financial instrument. The customer service setup implemented by Robinhood has set up unreasonable barriers under the auspices of account security to prevent certain segments of their trading customers to easily obtain tax documents required by the IRS in a non-online method. If they can not match their peer brokerage firms in being able to provide equal ability to call in for a simple request like mailed tax documents, this should be regulated just like any other financial institution. I should not have to " hack '' into my father 's email and Robinhood account ( all with his permission ) in order to get the documents when a simple phone call would have handled it within five minutes, like with his other trading account firms.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XXXXXXXX XXXX XXXX  I sent a letter to XXXX XXXX requesting my XXXX be closed and all annual fees removed. Furthermore, my account was always on autopay but for some reason my account was removed off autopay from XXXXXXXX XXXX I have family members who remain on autopay so it's not like the bank does not offer this service. 

The bank has now continued to add a late fee every month for the past few months. Now today they reported my account as late to the credit bureaus thus effecting my credit score which was excellent. Such an excellent payment history that even today when I signed onto XXXX XXXX online they offered me another credit card account. 

The bank has now damaged my credit score and I want this removed from my reports as this issue was caused by them for taking me off autopay. 

I uploaded another letter to the bank today which is herby attached to this complaint.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (FL)

recalled a letter XX/XX/2020 from XXXX  stating i requested for credit and I didn't they recognized it wasn't my SSN that matched up and still emailed this to EQUIFAX with referrance number and still refuse to move off my credit
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (AZ)

I received a call from XXXX, NC at XXXX. He tells me that he is call Wells Fargo and that my Credit Card is being charged and would like to put a stop to it. I inform him that i would like to contact my back and will be checking my account online to make sure what is going on. He tells me he can do that for me since he is already speaking with me. I inform him that I will call the bank myself. I hang up the phone on him. He then calls me back upset that I hung up on him. I tell him I am going to the back to check what is happening since i don't own a credit card. He tells me I do own one. He has call me last week and has call me twice today XXXX at XXXX XXXX. My bank has informed me that my accounts are ok. If he was from Wells Fargo he should understand that I can call my bank. Thank you.
Consumer complaint received 2024-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (CA)

Easter Account System Of Connecticut account # XXXX. Dear Sir or Madam, I am writing to request validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. This is for clarification and validation of the alleged debt. Please provide the following information regarding the debt. 1. The name and address of the original creditor. 2. A detailed explanation of the debt, including an itemized statement of what the debt is for 3. Proof that you have legal rights to collect this debt, including a copy of the original signed agreement. 4. The amount of the debt, including a breakdown of the principle, interest, fees, or other charges. 5. Copies of any judgments or other legal documents associated with this debt. Additionally, I request that all further communication regarding this matter be conducted in writing. Please do not contact me via telephone at any number associated with me. Per the FDCPA, please cease all collection activities until this debt is validated. Failure to provide proper validation will be understood as a waiver of your claim, and I will consider the matter closed.
Consumer complaint received 2024-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (TX)

I have been trying to close my Affirm account ever since I paid it off completely months ago. I have been in contact with them several times and they keep coming up with excuses - the first one was I " needed to close my Affirm money account '' ( Which i did, and it took " 3-5 business days '' - IF they even did it ). Now I try to close my account again, a month later, and the excuse today was " there's a system error on our end, I have to escalate it, you'll get a call back in " 3-5 business days ''. They have also threatened me by saying I'll never be able to make an Affirm account again if I close. ( Ok? ) When you try to close your account online it says " We can't help you right now, please call ''. I've even tried through chatting with an agent and they will not do anything. It's nothing but a scam and I want my account closed, they refuse to do that for me. I have never had such trouble closing an account in my life. They also said I had to wait 30 days after any payments to close my account and it's been FAR over 30 days already ( I have screenshotted proof of that, AND the agent stating so ). I haven't had a balance in months.
Consumer complaint received 2022-09-20
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. (GA)

Credit report shows a previous address of XXXX XXXX XXXX XXXX Ga. I have never in my entire life lived at this address. My current address is XXXX XXXX XXXX XXXX. XXXX and Experian are unable to get this correct. I have sent proof of my address as well. Along with this they are not allowing me to dispute my credit reports as Im allowed under federal law. XXXX XXXX XXXX XXXX XXXX XXXX. If you can help me with this I would be grateful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter to XXXX regarding inaccurate items on my credit report. To this day over 60 days later I have not received a response yet. I haven't received a response from Equifax in over a month after asking for additional information supporting their investigation I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I insist these accounts be deleted immediately or I will file for litigation due to the unnecessary stress you caused me. My information was also impacted by several data breaches including the XXXX and Equifax data breach and may have gotten into the hands of the wrong person.