davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

Today, XX/XX/XXXX, I successfully used my XXXXXXXX XXXX XXXX credit card at XXXX XXXX XXXX for a small purchase of {$8.00} at XXXXXXXX XXXX At XXXXXXXX XXXX my XXXX XXXX XXXX XXXX was refused when I attempted another small purchase of {$19.00} at Walmart . Upon arrival at home I contacted the issuer, XXXX XXXX, at XXXX and was told we were part of a large group that were being issued new cards and that the current cards were therefore deactivated. Our current, jointly held XXXXXXXX XXXX XXXXXXXX credit cards exhibit " valid thru '' dates of XX/XX/XXXX. I was told that Synchrony had sent us an explanatory letter but we have received no such letter. They do have our correct address, a XXXX. XXXX, on record. We also just paid a bill to them and received no such notice on our bill. In this case, this matter is a mere inconvenience. However, we have other cards upon which we rely to pay monthly expenses such as utilities, and car payments. Had a card bounced in such a case our credit rating would be affected. We informed the poor Synchony rep that this was a very unacceptable way to run their operation and their poor practice could have negatively impacted us.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NC)

I set up a savings account with Marcus by Goldman Sachs and deposited {$90000.00} dollars with the intent to move it into a CD. 0n XX/XX/year> I discovered my account was locked and call to have it unlocked, which they did. I then found my account locked again on XX/XX/year> and after more than an hour on the phone the agent informed me the bank was closing my account with no explanation and would send my money back but couldn't tell me how until a manager was available the next day. I called back on XX/XX/year> and spoke to another representative who said there must have been a mistake and after another hour unlocked my account. On XX/XX/year> I found my account once again locked and call the bank again on XX/XX/year> and was told the account would in fact be closed and they would mail me my check and the accrued interest. I then received a call the next day XX/XX/year> stating that they could not mail my check and I would need to have it transferred back into the account I transferred it from. I then provided the routing and account number for the TEST transfer. XX/XX/year> and the test transfer was not received and after two calls the rep told me she didn't see a transfer and would have someone call me back in 3-5 business days. At this point I feel the bank is holding my money hostage and from what I have read online this is a very common practice for them as a means to take advantage of their customers. At this point I have no access to my money which is my life savings and don't even have access to the account numbers as everything is locked.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have been repeatedly disputing inaccurate information with Experian that is legally required to be removed from my consumer file. Despite my persistent efforts, including providing supporting documents, letters, forms, and even self-attestation as allowed under the FCRA 605 ( c ), Experian continues to verify this information as valid, even when it is past the statute of limitations for reporting. It is incredibly frustrating to deal with a consumer reporting agency that fails to honor my rights as outlined by the Fair Credit Reporting Act. I have every right to dispute inaccuracies and expect that Experian remove or correct the information when notified. However, Experian seems more intent on protecting the interests of the creditors rather than ensuring my consumer file is accurately reported. Their actions suggest a bias towards the creditors, rather than maintaining neutrality in the dispute process. 
I am tired of receiving nothing but generic, computer generated responses to my concerns. These responses fail to address the specific issues raised, and the process feels intentionally opaque. Despite providing clear, consistent evidence of the inaccuracies in my report and multiple attempts to communicate with them, my disputes are not being handled properly. 
Even the CFPB, which I have turned to for assistance, has not been helpful in resolving this ongoing issue. This lack of resolution continues to harm my credit file and undermines my rights as a consumer. It is unacceptable that Experian is permitted to verify outdated and incorrect information, and it is even more frustrating that there seems to be no adequate recourse to resolve these issues in a timely and fair manner.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (SC)

Ayo Im just lettin you know I dont agree with the debt under the Fair Debt Collection Practices Act I dont need no extra proof or paperwork just makin sure you know I dispute it Only time to hit me up is through email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dont bother callin leavin voicemails or sendin mail through XXXX XXXX XXXX or whatever Its just a hassle for me Appreciate you understanding
Consumer complaint received 2024-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (WA)

I went to college at XXXX XXXX in XXXX Oregon. I got all my loans through a private place, though XXXX XXXX student loans. I have been paying a lot of money every month to XXXX XXXX since I left school in XXXX All of that is as it should be. Then early this year, I was told of an outstanding late payments to a company called XXXX They told me I owed them over {$8000.00} dollars and have had months of late payments. When I tried to tell them I have never used their company, and I got all of my loans for school through XXXX XXXX. I showed documentation as proof that I pay my student debt on time, though XXXX XXXX. I submitted a fraud report, but it was denied. So when I called them back they told me theres nothing I can do except pay them. So now I have to pay student loans to a company that I have never heard of and they dont have correct information, as well as still paying the same balance at XXXX XXXX XXXX
Consumer complaint received 2024-09-21
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: TD BANK US HOLDING COMPANY (TX)

To Whom It May Concern, I am filing a formal complaint against XXXX XXXX for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt. 

Furthermore, XXXX XXXX continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, XXXX XXXX is not complying with these legal obligations. 

Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : XXXX. IMMEDIATE deletion of the unvalidated debt from all credit reporting agencies. 
XXXX. Statutory damages in the amount of {$5000.00} for XXXX XXXX failure to comply with federal law and their neglect in handling this matter. 

Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. I expect XXXX XXXX to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX and inquirires on the ftc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (OR)

I opted to close escrow. Freedom mortgage approved. I made timely payment on XXXX without escrow. Freedom paid out the overpayment in escrow and placed my payment in suspense causing late payment. I called they reviewed and waived late charge and applied timely payment but failed to update their record which is showing up on XXXX credit report as late. Freedom mortgage is non responsive and hasnt corrected with the credit agency which is causing me a negative report, impact to get credit, and harm. I disputed with transunion but they reflect what freedom mortgage shows in payment history. This is also a joint account impacting my wife XXXX XXXX.
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

To whomever it XXXX concern : Thank you for taking some time to read the contents of this letter. I'm writing this letter because I took notice that My most recent credit report comprises a late payment on my Toyota Financial account, reported in XX/XX/year> ( {$270.00} ) and XX/XX/year> ( {$600.00}. ) I fully acknowledge and understand my financial obligations. While I had XXXX missed payments, this was due to an oversight after making a large payment towards the principal. Prior to and since then, I have maintained a responsible payment history. I have since made all payments on time, and the account is now closed with the vehicle fully paid off. I believe these missed payments were an exception to my overall responsible handling of the account.

I'm planning to apply for a loan and it's come to my notice that the missed payment on my record could hurt my ability to qualify. I honestly trust that my previous actions do not reflect my credit, worthiness and commitment to paying my debts. It would be a kind gesture if you would grant me a second chance and make goodwill and removing the late payments in XXXX of 2021 and in XXXX of 2021. 


Thank you for your consideration, and I hope that you will approve my request XXXX regards, -XXXX
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

I asked that the loans for The XXXX XXXX XXXX XXXX XXXX be discharged since the loans fall under the Borrowers Defense Group Discharge and to send any refunds due me. To which they vaguely responded back to me with no real answers. Only that they would be happy to assist me but didnt give any answers in assisting me with my questions. So how is that being happy to assist me. They gave me the phone number to Borrowers Defense if I had questions for them- which I do not.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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 in 60 days 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 2024-10-09
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. (KS)

I was completely shocked this morning to see inaccurate accounts on my credit report, and I have no clue why they're there. I check my credit report regularly, but this time, without warning, I found discrepancies. I refreshed my browser, hoping it was a mistake, but the incorrect accounts stayed there. Because of this, I'm requesting that the documents Ive sent be carefully reviewed so that I don't have to worry about this happening again.
Consumer complaint received 2024-10-09
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXwas 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. 

XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-09
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. (AR)

I was completely blindsided when I saw inaccurate accounts on my credit report today. I check my credit report regularly, but this time there were some discrepancies that came out of nowhere. I tried refreshing the page, hoping it was just a mistake, but nothing changed. The inaccurate accounts stayed. I am asking for a detailed review of the documents I've provided so that I can finally have peace of mind and never deal with this again.
Consumer complaint received 2024-10-10
Product: Credit 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: SANTANDER HOLDINGS USA, INC. (RI)

XXXX  credit report showed I had an account with Santander Bank. I have never had an account with Santander so I pursued to have this corrected. XXXX reported the dispute was resolved in favor of the company. This can not be as I never had an account and want the account to be removed to avoid fraud.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Adjustment Company Incorporated (MO)

I disputed the item on my credit report because I had filled out a hardship application through XXXX XXXX and qualified for the program this was taken off my credit report XX/XX/year> now XXXX XXXX they reopened it Consumer AdJ company XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-19
Product: Credit 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: Mercury Financial Intermediate LLC (NY)

Hello, I am writing to submit a complaint regarding a financial institution and product. The product in question is a credit card, issued by XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX  managed by Mercury Financial ( XXXX XXXX XXXX, XXXX, GA XXXX. Phone : XXXX ). My complaint pertains particularly to Mercury Financial, which is who I have been dealing with during this issue. 

On XX/XX/year>, at approximately XXXX PM, I got a text notification that my Mercury XXXX had been used, and its pin changed. I immediately logged into the Mercury portal, and saw the charge for {$50.00} at XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX By XXXX pm, I was on the phone with Mercury, who assured me that they were working to block the charges and deactivate the card. I was told within XXXX business days I would be receiving a letter, via mail, determining whether the charges were fraudulent or legitimate. 

On XX/XX/year>, I received a letter from the institution. They stated they would be denying the charges because my card was enabled with XXXXXXXX XXXX XXXX, and it was never reported lost or stolen. It was never reported lost or stolen because it has remained in my possession since the day I have opened the card. Multiple sources, including a friend who is the president of card services at a local bank, informed me that duplication of XXXXXXXX XXXX XXXX XXXXs not possible. I again called the institution to ask them to reopen my case, explaining that I have never been to the location where the charges were made, and have never had the card leave my possession. 

Mercury Financial informed me on XX/XX/XXXX I would receive additional information within XXXX business days. After XXXX business days, on XX/XX/XXXX, I again called Mercury Financial. They informed me that they were not sure why I had not received the letter. I had to again request for them to reopen their case, send the letter again, and request any and all additional documentation relating to my case. They again stated it would be an additional XXXX business days to receive any documentation, further putting me out this money and making it a month long ordeal. 

During this entire ordeal, I have not left the XXXX XXXX XXXX XXXX, nor have I left it in the prior 6 months, and typically kept within a small radius of XXXX. Unless there is some new technology that can in fact replicate XXXX XXXX ( which I highly doubt given how secure it is, at least according to financial institutions ) I believe this issuer may be systematically labeling fraudulent transactions as legitimate in order to better their financial solvency. I am requesting you start an investigation into this to help me reach an agreement with Mercury.