davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My accounts 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/updated.

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.

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!
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX Balance Owed : {$5300.00}
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

XX/XX/2022 charge for {$1500.00}, unauthorized charge from a website XXXX XXXX XXXX with Citibank Costco XXXX card. 

I disputed this charge with the company and the dispute was denied on my behalf with no explanation given. This is simply unacceptable for a high charge like that, that I NEVER authorized.
Consumer complaint received 2022-07-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

I have enclosed your response to my previous complaint about the outstanding late fee. 
1. You stated the late fee was assessed by XXXX. That is incorrect. I have enclosed the welcome letter from XXXX dated after any late fees were assessed. This was also covered in conversation with your customer service dept. 
XXXX. You stated three late fees were assessed. One in XXXX of XXXX. One in XX/XX/XXXX and one in XX/XX/XXXX of XXXX. You also stated I made a payment of XXXX on XX/XX/XXXX leaving the balance of {$88.00}. The payment of XXXX would have covered the late fees in XX/XX/XXXX and XX/XX/XXXX. 
3. What you omitted was that this mortgage was in a COVID related forbearance from XX/XX/XXXX - XX/XX/XXXX. This resulted in a partial claim. Regular payments began again in XX/XX/XXXX. The late fee in XXXX of XXXX should have been credited back as there were no late fees to be assessed during that time. 

I have included documentation about the start and conclusion of forbearance. It is shocking to me that after two hours on the phone and now two complaints with full documentation we are still arguing about an {$80.00} late fee. Yet Fay can increase a payment amount two days before its due by {$230.00} dollars because they made an error on a escrow analysis without providing any supporting documentation. This documentation was requested on the first of XXXX and again on the XXXX and again in my last complaint. Still waiting.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-07-27
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. (AZ)

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XX/XX/2021
Consumer complaint received 2022-12-04
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: SANTANDER HOLDINGS USA, INC. (LA)

Hi, I originally disputed XX/XX/XXXX, via mail handwritten letter. I was never notified about a debt I owed with Santander Consumer USA Account # XXXX. I asked Santander Consumer USA to verify the debt and I never received a response and it have been well of XXXXdays. I included my updated mailing address in the letter to make sure Santander Consumer USA would know where to respond to my dispute. I also noticed on my credit report a few details and I wanted to know how the balance was calculated. I would like a signed contract between myself and the debtor. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. I also stated that the date of last activity was XXXX I would like a list of all activity on the account.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to bring to your attention serious violations of the Fair Credit Reporting Act ( FCRA ) that have adversely impacted my financial well-being and emotional state. I implore the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal rights granted under the FCRA and to facilitate the removal of unverified and inaccurate accounts from my credit report.

For years, my life has been deeply affected by the inaccuracies and violations perpetrated by various creditors, all of which are meticulously documented below : XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX  Violations : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion without proper notice Undated late pay Charge off listed as open Collection account with a limit Account Number : XXXX XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Violation : Unauthorized Inquiry under FCRA , 604 Date of Inquiry : XX/XX/XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Violation : Incorrect Personal Information under FCRA, XXXX XXXX XXXX  XXXX Violation XXXX Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX The stress and anxiety caused by these violations have taken a significant toll on my mental and emotional health. The inaccuracies in my credit report have unjustly hindered my ability to secure loans, obtain housing, and pursue opportunities critical to improving my quality of life. These violations have plunged me into a cycle of despair, further exacerbated by the financial difficulties I have faced as a result. 

I beseech the CFPB to take immediate action to rectify these violations and enforce my legal rights as a consumer. I request that you facilitate the removal of these unverified and inaccurate accounts from my credit report, thereby granting me the opportunity to rebuild my financial standing and regain control of my life. 

Enclosed with this letter is evidence supporting the violations I have outlined. I kindly ask for your swift response and resolution to this matter, and I am willing to provide any additional information necessary for your investigation. 

Thank you for your attention to this urgent matter. I look forward to a positive resolution that can restore my faith in the consumer protection system. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-27
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. (OH)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX {$340.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX {$500.00}, XXXX XXXX XXXX XXXX XXXX {$490.00}, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-12-29
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)

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.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Payment Corporation (TX)

In XXXX, somewhere in between the months of XXXX and XXXX ( this was when my husband was on another deployment to XXXX and how I remember when I did this ), I went to XXXX XXXX with an idea to try to patent. To do this would cost around {$1000.00} and I opted to make payments. The process took less then 6 months and the payments were paid in full before the due date even. From his return in XXXX until last year, he and I purchased 4 houses ( because he's military we've had to move around a lot ). During each purchase no issues but all of the sudden there is a hit against my credit from Universal Payment Corporation for {$300.00} from XXXX. Why 6 years later, because they are notorious for trying to scam people out of money come to find out after researching them further. I went from working hard to get my credit score to a perfect XXXX and now because of their one hit of bad payment history that NEVER should have been there to begin with, it dropped it and is making purchasing a house not an option anymore. I have tried reaching out to the company, sending them proof of faithful and full payment history, disputed it 7 different times on my credit, calling Universal Payment Corp directly, and even filing a XXXX XXXXomplaint. I just want it removed from my credit and to purchase a home again. Because of this mess we had to purchase an RV to live in because our bank wouldn't finance another loan with my credit scorXXXX now sitting at XXXX because on this onXXXX thing that isn't even a legitimate debt collection. 
Please help me get this off my credit and stop allowing this company to operate in such an awful way to get an extra buck!
Consumer complaint received 2022-07-27
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. (GA)

I have fraudulent accounts reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report!

In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 any purpose.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (PA)

A while ago, I'm not sure exactly when because it's been a long time. I tried to open a PayPal account. It was immediately limited and I wasn't able to use it because according to them there is activity that is inconsistent with the user agreement. I never even got to use the account and there was never any activity on the account. They never even sent me a PayPal card. Now it says I am not allowed to ever use PayPal. I tried to find out what was going o with no luck in getting a straight answer at all. They asked for my driver 's license and bank statements to verify my identity which I provided and I still can not use it.
Consumer complaint received 2022-12-12
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 — Problem with personal statement of dispute
Company: Monterey Financial Services LLC (NJ)

My ( XXXX XXXX XXXX ) and I were in XXXX in XX/XX/2019 XXXX We were stopped on the street and asked to come hear a presentation after winning a free gift. We were mislead into purchasing a package that was not what they claimed it to be. After realizing we were taken, ( within 3 days ) we tried to cancel the package, calling every number on the paperwork for days, but to no avail. We kept getting the runaround saying someone would call us back, but no one ever did. We left several messages with several people asking them to cancel our package. 

Months later we received a collection notice in the mail from a place called Monterey Financial Services of CA. The original company was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. We had a free consultation with a lawyer and we tried to dispute it online. To no avail. 

Our issue is that the original company was in a foreign country so how is it that they have the right to tamper with our credit here in the US.? We are utterly appalled at the fact that something like this could happen. We feel totally unprotected. The amount is ( {$9000.00} )
Consumer complaint received 2022-12-11
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. (CA)

In accordance with the Fair Credit Reporting act, the following accounts : 1. Account Name : XXXX Account Number : XXXX Amount : XXXX 2. Account Name : XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX 5. Account Name : XXXX Account Number : XXXX Amount : XXXX has violated my rights. 

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
Consumer complaint received 2022-05-25
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. (NV)

XXXX XXXX XXXX Amount {$750.00} Date opened XX/XX/2020 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2022-07-27
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)

I have fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report!

In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 any purpose.