davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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 2015-12-22
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

Hello. My name is XXXX XXXX XXXX from CT. I am a XXXX year-old retiree from the XXXX XXXX XXXX XXXX. ). Recently I have incurred several medical bills that I can not keep up with. I have tried to pay my co-pays when I was able, but I am living on a very fixed income ( Social Security and a small pension $ XXXX monthly ). I was receiving daily and Sunday phone calls from this debt collection agency called American Adjustment Bureau. IOn XXXX of the calls I asked them to please stop. They replied " fine ''. The phone calls stopped but today I received a " privacy Assist Statement from my Bank, with a list of XXXX XXXX XXXX XXXX small co-pays that are delinquent. They were, evidently, reported to XXXX. There is no explanation of who they are from and today I have received another XXXX. My lawyer friend advised mje that they are " paying me back for asking them not to call by over-sending reports to the credit-reporting companies to embarrass me and further lower my credit status. Is this legal? Is it harassment. I feel that I am too old to take them on myself and wonder if there is anything else I can do.
Consumer complaint received 2015-12-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Consumer Portfolio Services, Inc. (OH)

A sub-prime loan company has denied me a loan, after they approved me for a previous car loan a few days earlier.engi was in bad condition, the true price of the car was not reveled to me until the following days, I was told to come back to the dealership to complete more paperwork. Once I saw the true price and the APR I wanted to return the vehicle, because I was sham into a deal, after asking for significant information, that was not given before I considered the deal to be final. I requested a cheaper car in a lot better condition with less miles, the dealership continued to blind me of significant information and cost to trick me into the same deal. But I did my research and knew exactly what I wanted and the price and blue book value of the car. The dealer and their finance department questioned me and still tried to get me to purchase a high priced vehicle, I denied for a 3rd time and said this is what I want and can afford. The dealership contacted the bank that approved me before and confirmed to me that they denied me the loan for a cheaper vehicle 1 year old vehicle, but a few days ago approved a loan for a 5 year old vehicle that cost more. This did n't make any sense, and I believe that this is a form of retaliation and consumer discrimination, along with dealership deceiving practices to misguide the buyer into buying a car that is not what that customer wants and keeping information from the customer, like the bank approving the loan, who controls the APR, what is the amount the dealership added to amount of purchase, these go unanswered and hidden by dealers askew the perception of what the customer is getting themselves into. I know that the banks/sub-prime lenders are in cahoots with dealerships ( who are actually a monopolistic system ) and are using their loan power to limit the options to the customer, and overprice cars by using increasing APR methods and keeping you from contacting the lender. I believe an investigation is well overdue for car dealerships and their practices of using persuasion in a manner to basically XXXX someone into a unwanted deal without revealing the most important financial details in a contract. Also a study and investigation should and needs to be conducted on credit acceptance determining APR/interest rates, I believe the dealer targets particular people to give high interest rates to, and not really considering credit scores to define rates. These problems that I have experienced are involved with me dealing with XXXX XXXX car dealerships and CPS Lender ( Consumer Portfolio Services ). I can be contacted at XXXX XXXX for more information, its time that the oligopilization of car dealerships came to an end and consumers have the right to buy directly from a manufacturer.
Consumer complaint received 2015-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Today I received in the XXXX Mail a credit report from " Experian '' dated " XXXX XXXX, 2015. '' On " XXXX XXXX of XXXX '' under the " Addresses '' section it falsely states that I live at " XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ; XXXX, MN ; XXXX. '' I have worked for the State of California for over 27 consecutive years now and live in XXXX, California. I have never visited " XXXX '' let alone ever lived there. Once again, I am the victim of ongoing " Identity Theft. '' I called up " Experian '' and they refused to " delete '' this false address.
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors. I have submitted my ID, Social Security Card to prove that is not me and to the creditors but to no avail. I would like to get this handled and removed off of my credit.
Consumer complaint received 2015-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MA)

Our loan was sold by XXXX XXXX XXXX to Seterus. We were not notified. We called because there was no loan statement sent. XXXX XXXX XXXX advised us of the change, and when we did hear from Seretus, they assured us were not late. My wife called them to confirm. Less than two weeks later, on a Sunday, we receive a FedEx package advising us we are in default and threatening foreclosure.
Consumer complaint received 2015-07-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, I opened an account using XXXX and connected my Bank of America checking account information to my XXXX account. I had an item due to XXXX and XXXX attempted to withdraw those funds from my Bank of America account. The funds were not available and I was charged a NSF fee of {$35.00}. I then proceeded to pay my XXXX balance using a different account. The XXXX system is designed to continuously try and gain these funds from the same account daily until the fee is paid. On Bank of America 's side, these XXXX transactions appear to be continuous withdrawals. XXXX continued to charge my account XXXX XXXX different occasions and Bank of America continued to charge me NSF ( {$35.00} ) fees each time XXXX attempted to collect these funds. I have documentation from XXXX addressing Bank of America of these reoccurring charges and requesting that the {$430.00} in NSF fees be removed from my account. XXXX and Bank of America have been unfair, deceptive and abusive. I demand that Bank of America remove the outstanding balance of {$430.00} for NSF charges that I did not approve by XXXX.
Consumer complaint received 2015-05-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MO)

I am on XXXX medicaid- this charge was covered and was reported to the clinic and to the collection agency that it needed to be billed- since they did n't bill in a timely manner before the 1 year it is not my responsibility to pay this for their error.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I need your assistance to address this incorrect account on my credit report. I am concerned because this has harmed my reputation, and I need your support. Your mishandling of my credit report has devastated me, and your inaccurate reporting has damaged my reputation. Please remove these mistakes so I can live peacefully with my family.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion improperly updated the information provided by the XXXX XXXX company on my credit report. They updated all but XXXX of my Student Loans to state " deferred due to forbearance ''. The XXXX organization provided me a credit reference letter to validate all my loans were in a in-school deferment status. Additionally, they identified XXXX student loans that would go into forbearance XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX for a loan realignment. I provided the letter to Transunion and they refused to accept. I called XXXX and they offered to due a conference call with Transunion but Transunion refused. The XXXX organization sent Transunion an updated status on my student loans and my credit report still has not been updated. Attached is my credit reference latter from XXXX.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WV)

I currently have a dispute regarding the same item submitted on XXXX XXXX, XXXX. I have student loans which were one point with XXXX. These loans went into default for a XXXX months back in XXXX. I executed a rehabilitation agreement in XXXX and finished the program. As such, I noticed on my credit report that XXXX who did not service my loans placed on my credit report an incorrect amount, late tradelines, negative information, incorrect negative collection information for the time period of XXXX? This is not accurate nor did this organization service my loan in this time period. However, when I investigated the same with Equifax I received nothing back from them regarding my disputes. I also sent letters back in XXXX for the company to remove the tradeline, as well? I received nothing. When writing to Equifax several time I include both XXXX and XXXX disputes as they are XXXX incorrectly reporting. Here are my equifax dispute numbers : As you can see I never received results as to XXXX complaints. This seems to be an ongoing problem. 

XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) - XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( Estimated ) - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX - XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX -
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following information is incorrect and is recorded on my Trans Union Credit report - several years ago ts same report had shown up on my XXXX Credit Report and I sent an online dispute and the item was removed - showed same amt and creditor but had an open date of XX/XX/XXXX and an address was a rental property in XXXX I owned XXXX years ago. I have tried to call XXXX and no answer - just loops - and I have written with no response. Tis is NOT my account -- and info is over XXXX years old!! HELP. XXXX XXXX XXXXAccount DetailsLast ReportedXX/XX/XXXXCollection AgencyXXXX XXXX Original CreditorXXXX XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed DateResponsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute
Consumer complaint received 2024-09-10
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

I got a credit card when making a purchase at Lowes and that credit card is through Synchrony Bank. I tried paying it all off on XX/XX/XXXX but it was rejected. I didnt even know it was rejected until later. I tried paying the whole balance on XX/XX/XXXX but again rejected. I have credit cards through Citi, XXXX, XXXX  and XXXX XXXX. I always pay my cards on time. I double check my routing and account number and its correct. Same information I use for the other banks. I call synchrony and use my debit card on XX/XX/XXXX. They say it will be taken out right away. Find out on XX/XX/XXXX that it hasnt. Call again today ( XXXX XXXX ) and we will now see. I have tried to make a payment on this 4 times with correct information and they wont take it. It sounds like a bunch of people have these issues with Synchrony as well and those people recommended making a complaint through here. Synchrony bank is a scam. They are not taking peoples payments and then charging late fees and a {$30.00} returned payment fee. They are stealing money from people and should not be in business.
Consumer complaint received 2024-08-14
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. (NY)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information XXXX XXXX XXXX XXXX XXXXXXXX - " You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. XXXX XXXX XXXX XXXX XXXX XXXX  - Unauthorized Hard Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

Several other credit breau corrected my report, but Esperian has not, and avoidedmy attempts to help them, with the other XXXX breau reports. And I need the itemsremoved that are wrong and status of limitation has been over the time allowed.
Consumer complaint received 2015-12-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I went to ACE Cash Express, and for the loan amount it quadrupled. I am a XXXX vet with XXXX, and I am a dislocated worker when I made arrangements to pay the account got moved to a debt collector. I am dealing with someone named national credit.
Consumer complaint received 2015-05-31
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (HI)

Sent notice to cease and dismiss collecting Written Off debt that is over the Statute of Limitations to sue, along with all communications with us or any member of our family. This was to include but not limited to telephone calls, letters and personal interviews. They also responded by letter using fraudulent documents along with misrepresentation and deceit.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XX/XX/2024 - - Inquiry In Dispute XX/XX/XXXX Inquiry In Dispute XXXXXX/XX/XXXXInquiry In Dispute XX/XX/XXXX XXXX XX/XX/2024 - - Inquiry In Dispute XX/XX/XXXX Inquiry In Dispute has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

and according to 15 USC 1681s-2 they are suppose to 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 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I submitted a complaint number XXXX account number XXXX. I was told they would remove the {$510.00}. I submitted the XXXX form as requested and Bank of America continued to charge me {$510.00}. Bank of America told me that they would remove said charges and have failed to keep there promise.
Consumer complaint received 2015-09-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

On XXXX XXXX, 2015 and contacted navy federal credit union and we go I still drinking fees that are being charged through ATMs and other banks are allowed to charge him because XXXX regarding news I think this is illegal to United States citizen because all transfers are electronically communicated to XXXX XXXX yeah baking and collecting fees of a members and customers just to have money in your pocket and you already a bank they have money in a money it should be given to the customer if you do not have any branches in the Surrounding areas that need to be required to open branches and stuff and make it available today customers that way we will have to pay the bank that we get my fees for money from I think it 's against the law I do n't treat your customers or members correctlyplease investigate Navy Federal and all branches in United States ATM and make sure they are filing United States banking Federal regulationsall misconduct and miss management of branches in ATM card to be charge according to United States federal
Consumer complaint received 2015-06-01
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

XXXX/XXXX/2015 received via mail a letter stating I am past due on a loan with Ace Cash express. 

I have never had a loan or any other dealings with Ace Cash Express. 

I called the number on the letter. Credit department acknowledged that it was a fraudulent loan. From what she told me this was an internet loan. An internet loan : Really. Hard working Americans ca n't get a mortgage and they send money without even knowing who they are giving the money to.
Consumer complaint received 2016-03-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP (NJ)

There is a docket from 2004 that Pressler and Pressler obtained. My income is Veterans XXXX benefits and Social Security .This matter was taken care of in 2004, with the county clerks office.Now Pressler and Pressler is threatening me for this .My situation has not changed. I will be XXXX for the rest of my life .I do not drive.Have no vehicle .I rent.And my income is all XXXXi thought this was over in 2004.The subpoena theyasked from me has allot of information.I do not trust them.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

After several phone calls and letters, requesting that they correct my address so I Can receive my free credit report with no success. I get the same run away. I have sent Mail Copies of Dl, power bill, SS card, cancel check. And still same thing ask me to send more. XXXX rep said there was no zip code on my power bill. Which you can Clearly see on the copy. Address and zip name ect ect