davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

My account with EXPERIAN 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.

EXPERIAN 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 2018-10-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, TransUnion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXX repeated requests. Second, Ms. XXXX requested TransUnion to provide the method of accuracy & verification used by TransUnion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and TransUnion remains non-compliance till date. Third, Ms. XXXX requested TransUnion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, TransUnion again went silent. 

In fact TransUnions only provision has been a computer generated rubber stamped answer to wit ; ( " the customer disagrees '' etc. ). Furthermore, Ms. XXXX didn't ask for TransUnion to speak on her behalf for her or through her nor did she send TransUnion a XXXX word statement expressing explicitly HER disagreement to be added onto her credit file opposed to Demanding TransUnion to remove an inaccurate, unverifiable, and unsubstantiated record pursuant to 609 et. seq. immediately for failure to produce a legal verification of the allege debt. 

TransUnion now gives the mere appearance of impropriety by violating Ms. XXXX privacy rights as a PRIVATE CITIZEN along with engaging in unfair and deceptive business practices. ( UDPA ) Notwithstanding TransUnion 's willfulness to violate FCRA laws, Fed. & State 's rules, opinions, codes, statutes and erode public policy consideration goes unprecedented. 


Whereby, Ms. XXXX is requesting through TransUnions general counsel to provide TransUnion 's insurance carrier 's information.
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2018 I used my American Express Serve card to issue a check payment for {$1300.00} for the payment of my nephew 's rent. American Express Serve then stated via their website that the payment would be mailed out on XX/XX/18 and that the payment was guaranteed to arrive on XX/XX/18. On XX/XX/18 I received a phone call from my nephew 's landlord and she stated that the rent check was not received as of XX/XX/18 and since then I have spoken with her two additional times and as of XX/XX/18, no payment had been received by her. On XX/XX/18 I called American Express served I requested they place a stop-payment on the rent check and issue a credit to my Serve account. They initially stated on XX/XX/18 that my account would be credit on XX/XX/18, on the XX/XX/XXXX I called American Express Serve to tell them my account was not credited, they then said I would be credited in 10 Business days or up to 45 days. Every time I call they tell me a different estimate of when I will receive my money back, even though the check they mailed out has never been received or cashed.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a car loan with the company XXXX XXXX XXXX. The vehicle I had I traded it in a a dealership for a new vehicle XXXX  2014.  XXXX XXXX XXXX Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at XXXX XXXX XXXX and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

I have never done business with Monterey Collections. I do not have a signed contract with Monterey Collections. I am not liable for this debt from XXXX XXXX. On XX/XX/2018 I contacted Monterey Collections asking for a proper debt validation. I also contacted Monterey Collections on XX/XX/2018 asking for proper debt validation. Monterey Collections failed to complete this request with a proper debt validation. An alleged e-bill does not meet FRCA requirements for validation. Monterey Collections has had ample time to produce a proper debt validation. If Monterey Collections can not immediately produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. Monterey Collections does not have permission to contact me by email, phone, or US mail. All communication is to be done through this CFPB portal.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been receiving a hard credit inquiry from XXXX XXXX under XXXX credit card since XX/XX/XXXX. It happens consistently. I have not applied for a credit card with XXXX. I am very careful to make sure I do not click the " apply for credit '' button when I place orders with XXXX. The following dates have hit my credit report and keep knocking my XXXX XXXX down : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, my XXXX XXXX dropped from XXXX, which I struggled hard to get to after a bad car accident, down to XXXX. This has to stop! I have contacted XXXX on several occasions via chat because it was the only way to reach them, and again today by phone XX/XX/XXXX. The man on the phone told me " it is not in my knowledge database provided to me how to help so I am sorry that I can't help you. '' I guess there are no supervisors? I have also contacted XXXX XXXX on several occasions, most recently today XX/XX/XXXX and XXXX XXXX told me that they do not handle disputes because all they know is that something came through to them and they have no way of telling if it was fraudulent or not. All they could tell me is it was from an XXXX credit card. 

My credit was compromised in the XXXX  data breach in XXXX, but that still does not explain the XXXX date. It is possible that back in XXXX I did apply for the card accidentally, but I can not locate any record of that in my XXXX account. I also have definitely not applied in this or the last year at all. I want to know who is doing this and why they are able to do it. My credit report has a lock on it, so this really concerns me because it is still happening. I have not even placed an order on XXXX in months. 

In addition to this, I've filed disputes with all the credit report bureaus and nothing ever changes on my account.
Consumer complaint received 2018-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

Without knowing how close our loan was to payoff, we sent a payment this month, which my bank told me it was putting back into my account, saying " it was returned to our processing center due to the payee 's refusal to accept the payment. '' We assumed it was because the amount we sent was over the owed amount. We never saw a statement for XX/XX/XXXX. 

I called Citizens One regarding my account, and they told me that the final payment of the loan has to be sent to a different address. He told me he couldn't take the late fee off without the payment being up to day ( which was already more than the amount we had sent ). He told me he couldn't take my payment, that he'd have to send me to the automated system. I went back through the automated system, and it didn't recognize my account number. I tried to create a username on their website, and it wouldn't recognize my account number. 

I have never heard of a loan company needing the last payment sent to a different address. My last auto loan didn't have that. My wife 's school loans through XXXX XXXX  weren't that ridiculous. All I can figure is that they want to squeeze every little % and late fee they can from us.
Consumer complaint received 2018-09-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (GA)

I have been working with my loan company for over 8 months trying to get them a complete loan modification packet. I have sent them numerous times the documents that they are asking for and even placed a sale date because they advised they never received them. I had to file bankruptcy in order to stop the sale because I don't want to lose my home.
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

This writer had an account with XXXX XXXX XXXX in XX/XX/XXXX and canceled said account within the time line stated in our agreement with XXXX XXXX XXXX. XXXX XXXX XXXX saw their error and corrected said error. The case number with XXXX XXXX XXXX is XXXX. ( See attached email document from XXXX XXXX XXXX ) However, before the correction was done XXXX XXXX XXXX forwarded the account to Sunrise Credit Service ( XXXX    ) a collection company. XXXX   was informed by XXXX XXXX XXXX via email that this account was not owed by this writer and was sent in error to XXXX. 

This writer phoned XXXX   on XX/XX/XXXX to have them remove this collection account from all my credit reports ASAP. XXXX  refuses to discuss said account with me since they no longer  have the account, and refused to purge said collection account from all my credit reports, even though XXXX  was instructed to purge said collection account from this writer 's credit reports ASAP by XXXX XXXX XXXX.
Consumer complaint received 2018-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I sent a RMA form for mortgage assistance about 6 days ago. SPS refused to accept the application. I have written to the CFPB several times about how SPS refused to accept my RMA form. This is dual tracking and I plan to take this case to court. Please investigate because what SPS is doing is illegal. Also please note that it has not even been 30 days since I sent the RMA.
Consumer complaint received 2018-10-10
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)

On XX/XX/18 I wrote to Equifax asking for them to permanently remove an extended fraud alert they received from XXXX which I did not ask to have be added to my credit reports. Equifax received my letter for request to remove the extended fraud alert via certified return receipt on XX/XX/18. I ordered my Equifax credit report today XX/XX/18 and the fraud alert is still on my credit report. Equifax has failed comply with removing the fraud alert from my credit file. Equifax recived copies of my drivers license, social security card and proof of residence along with the letter for the removal of the fraud alert. I have yet to receive any correspondence from Equifax.
Consumer complaint received 2018-10-11
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: JPMORGAN CHASE & CO. (PA)

I have been receiving a hard credit inquiry from Chase Bank under XXXX credit card since XX/XX/XXXX. It happens consistently. I have not applied for a credit card with XXXX. I am very careful to make sure I do not click the " apply for credit '' button when I place orders with XXXX. The following dates have hit my credit report and keep knocking my credit score down : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, my credit score dropped from XXXX, which I struggled hard to get to after a bad car accident, down to XXXX. This has to stop! I have contacted XXXX on several occasions via chat because it was the only way to reach them, and again today by phone XX/XX/XXXX. The man on the phone told me " it is not in my knowledge database provided to me how to help so I am sorry that I can't help you. '' I guess there are no supervisors? I have also contacted Chase bank on several occasions, most recently today XX/XX/XXXX and Chase bank told me that they do not handle disputes because all they know is that something came through to them and they have no way of telling if it was fraudulent or not. All they could tell me is it was from an XXXX credit card. 

My credit was compromised in the XXXX data breach in XXXX, but that still does not explain the XXXX date. It is possible that back in XXXX I did apply for the card accidentally, but I can not locate any record of that in my XXXX account. I also have definitely not applied in this or the last year at all. I want to know who is doing this and why they are able to do it. My credit report has a lock on it, so this really concerns me because it is still happening. I have not even placed an order on XXXX in months. 

In addition to this, I've filed disputes with all the credit report bureaus and nothing ever changes on my account.
Consumer complaint received 2018-03-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DC)

On XXXX XXXX I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request. 
XXXX XXXX XXXX, in the amount of {$10000.00}
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DE)

On XX/XX/XXXX, while traveling in XXXX, I tried to use my ATM bank card to withdrawn local funds in XXXX at a mall. The ATM machine seized my card for a minute without dispensing cash yet I was debited {$65.00} from my checking account. I reported this to PNC over the phone and a dispute case was started. On XX/XX/XXXX, I logged on to my email and PNC bank account only to find out that there had been a series of checks of {$200.00} from a " XXXX XXXX '' written out to " home care '' drawing money off my account on a daily basis up until when I first noticed it on XX/XX/XXXX. I called PNC bank and spoke to a representative who transferred me to their escalation department- XXXX at XXXX. She reported that she would start an investigation on this. I learned today that PNC did not open an investigation until XX/XX/XXXX. On XX/XX/XXXX, I continued to report my complaint at which point my card was cancelled. At this point during my report to PNC, a XXXX, XXXX at XXXX informed me that she was now assigned to my case from the same department. She requested that I change the PIN and security details on my card which I did. I subsequently online transferred all monies out of my checking account to a virtual account with PNC to prevent any further automatic withdrawals and informed them what I had done. At this point, XXXX indicated that she should have thought to have asked me to do that before and she subsequently placed a hold on my account. I informed her that I had several bill pays due during the month at which point she stated that I should inform her when I wanted the hold removed temporarily. Despite the hold on my account, on XX/XX/XXXX, the checks continued to draw out monies from my account, which I continued to receive email notifications about. I screenshot the emails and emailed XXXX with the information and called her to receive an update on the investigation. I left a voice message without response. On XX/XX/XXXX, I called PNC to receive an update and was informed by a representative that PNC had decided to close my account and relationship with me based on the volume of checks being drawn off my account. They informed me that it would be closed on XX/XX/XXXX. I responded to ask why I was being penalized for fraudulent activity that I had no responsibility in and XXXX indicated that it was PNC bank prerogative. She further informed me that while they would refund me the returned check fees, they would not refund the total amount of $ 3200+ drawn off my account by the bogus fraudulent checks. On XX/XX/XXXX, I requested a statement summary of my checking account which she informed me she would mail to my address. She then informed me that PNC was terminating their relationship with me on XX/XX/XXXX and that a certified check for my remaining balance would be mailed out. Again, no recovery of the withdrawn funds has occurred and no information of their investigation was provided.
Consumer complaint received 2018-10-10
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: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems (NV)

XX/XX/2017 Credit systems info Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company. 

XX/XX/2017 XXXX XXXX Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company.
Consumer complaint received 2018-10-10
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. (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX  XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX {$3000.00} REV {$1100.00} {$35.00} {$0.00} XXXX XXXX XXXX XXXX CUR WAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (WA)

XX/XX/XXXX, I created an account with Western Union in order to transfer money overseas. After setting up my account I was approved for a {$10000.00} money transfer. Before my account was fully activated they said they would allow 1 wire transfer. 

On XX/XX/XXXX, I go into my bank wire a total of {$4400.00} into the bank account given by Western Union via email. 
On the same day after the money transfer I call western union to confirm the transfer and activation of my account, they said to call back tomorrow if I don't get an email confirming by tomorrow. 

On XX/XX/XXXX, I called back Western Union because, I did not see a confirmation email and after giving all my account information, full name, date of birth, mothers maiden name they tell me my account has be canceled from the " higher-ups. '' Without reason why, they wouldn't transfer me to a supervisor. They didn't offer me a refund. He said, there's nothing I can do and terminated the call. 

So now, I am out {$4400.00} for a service western union failed to provide.