davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I am a XXXX % XXXX Veteran with a current property tax exception on my property. The Mortgage service company has failed to adjust my Escrow payment although I have already called them three times and have provided them with the required documents. Every time I call, they tell me the same story and give me a date they will complete the Escrow analysis ; however, every time the date keep changing with no adjustment to my mortgage payment. The approximate taxes and insurance payment at the end of 2018 is likely to be around {$2500.00} XXXX {$2000.00} for insurance and {$550.00} for Taxes ) however, there is already {$2100.00} in the Escrow account and I am due another {$540.00} payment to the Escrow on XX/XX/2018. At this rate, I will have over {$7500.00} in my Escrow account by the end of the year. I have contacted them three times since mid XXXX but have been unsuccessful in getting them to adjust my mortgage payment to the new tax rate. the last time I spoke with them, they said, a supervisor would contact me within 24hrs ; still waiting.
Consumer complaint received 2024-08-08
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. (CA)

I looked at my credit report on XXXX, 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 )
Consumer complaint received 2024-08-08
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)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in those account 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 XXXX days before the payment due date.

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 XXXX  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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. 
I request a thorough investigation into these inaccuracies. 
3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 
Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX  XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (PA)

Ordered {$500.00} worth Gift " Cards '' for the holidays from the american Express Website. Paid using my American Express card. Received someone else 's order for {$350.00} worth of paper gift " checks ''. When i called to complain about the wrong order they said that the cards have already been used and they need to " investigate ''. My credit cards got charged for the {$500.00} ( + fees ). I have someone else 's {$350.00} worth of gift checks.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

I have supplied over 3 letters to the credit bureau via certified mail asking them to kindly remove yelp as my employer since they have never been my employer. I have never lived at any of the addresses on my credit report and none have the right to be there besides my current address, which is also listed twice along with 2 other addresses that seem to be versions of one another. I have supplied my ID card and utilities bill along with my W2. I have certified mail receipts that the letter I sent in XX/XX/year> was received, and received a credit report in return with the same outdated and invalid information.
Consumer complaint received 2024-08-08
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. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
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. (CA)

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$29000.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX
Consumer complaint received 2020-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

XXXX  XXXX  is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$240.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
Consumer complaint received 2024-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (WI)

Experian credit bureau refused make charge to increase scores 2 months. My account shows there accounts ( not attached ) so my exaperian account not received credit scores.. Nor changed I reported have bee complaints regarding my credit scores remaining same if any change notice very little. On accounts been paid off payed on ftime .l Have been XXXX with family members unable for me my husband credit not correct
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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.

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 XXXX 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

this issue backs from XX/XX/XXXX when XXXX XXXX XXXX did split an {$7100.00} credit card in two, one in dispute are XXXX sent to Santander Bank in XXXX. While dispute with XXXX XXXX XXXX the split that cause unfair negative information on my credit report and they not take any positive attitude or had answer interest came compound that debit reached {$3100.00} reported on Santander and XXXX XXXX XXXX for certain amount of time and at same time, how could be that when XXXX  XXXX XXXX reported sent to Santander? 
More recently year by end year XXXX I contact Santander to make an arrangement to pay that debit to clear my unfair debit, I did paid the amount with Bank receipt by XX/XX/XXXX the total amount. Santander does report my credit card activity on XXXX  card account # ending in XXXX, the they state in their letter " your credit card # ending in XXXX ( the one that did carried debit amount ) is assigned to this account number being reported to the agencies. This account was transferred from XXXX XXXX XXXX " Santander never reported payment to XXXX even after I called the Bank to do so, as show on my credit history, appear incorrect ND and CO. XXXX only state my comments. 
Santander Bank, always send a letter to me after I do request them to report XXXX   and fix the problem and last said on second paragraph " ... .Santander reported this account as a paid charge off. Per XXXX, this account is reporting as a paid charge off '', my question are, is it XXXX will report to the Bank to say how the Bank will state on letter or the Bank will report to Agency? Why the Bank does not report paid as agreed on arrangements their letter dated XX/XX/XXXX? Charge off or Written off are considerate by XXXX not paid to first creditor, But, never was first creditor or third parties, this were a new credit card sent by XXXX while ( XXXX ) kept another on XXXX   XXXX XXXX. Why Santander never report to XXXX? All this are unfair and hurt me with no reason at all, I believe there nobody that take the right attitude to do so.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (VA)

Ordered furniture on XX/XX/2020 with Ashley Furniture on XXXX XXXX XXXX VA Still waiting on delivery for a furniture for our bedroom. N

O bed, NO dresser, No Night Stand no railings no nothing has been delivered. we have called and called to wait on hold for 30 minutes each time Spoke with XXXX and manager XXXX at store location who assured us items were in and furniture would be delivered on XX/XX/2020 Truck pulls up with partial items to a bedroom. Mind you they ( Ashley Furniture ) is responsible for set up as well upon delivery

. Wet boxes arrived with missing items needed to conclude a bedroom set-up. Called back to store and manager is out of office and Sales mgr is in meetings. How convenient all the while our bedroom has been in a disarray  since XXXX. What a mighty good mess.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC (DE)

I recently challenged the validity of ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX  ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I have an credit with Amazon Synchrony bank which has been charged off. Because I am having hardship I am now receiving help from a company which helps consolidate my debt. They have been making the agreed payments on time each month however it is still being reported that I am delinquent every month which is affecting my credit score. I was told by a representative when I called Amazon credit card department that I have to pay my full balance in order for them to stop reporting to the credit bureau that I am delinquent. This is wrong if I expressed that I am having a financial hardship and the program which is helping me is making timely payments. This is a form of bullying in order to get me to pay the full balance which I am not financially able to pay at this time.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2021 I sent off several Identity theft letter regarding fraudulent accounts and inquiries on my consumer report It has been way over 30 days. I just recently just sent off another Identity theft letter with an FTC report on the XXXX of XXXX and it was received by All of the three consumer reporting Agencies. I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these accounts with 30 days gives a reason to immediately delete these accounts from my consumer report. It has been over 30 days so the accounts should be deleted promptly. I demand these fraudulent accounts and inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong person hands
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (DE)

I recently challenged the validity of I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.
Consumer complaint received 2020-05-29
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: Incomm Holdings Inc. (NJ)

InComm Financial Services , Inc. denied my transaction and kept the money. InComm gives the runaround and no one has answers while they deny being responsible. Attempted a purchase on XX/XX/2020 From XXXX XXXX which InComm Financial denied. However, InComm Financial kept the money {$50.00} instead of returning it to the card. I have proof of the denial and that InComm has kept the money. They have a fake customer service that offers no solutions and have taken no action to resolve my complaint or document my complaint. Could be located at : XXXX XXXX XXXX XXXX XXXX, GA XXXX http : //www.incomm.com ( XXXX XXXX XXXX
Consumer complaint received 2020-11-20
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (SC)

My student loans were forgiven in XX/XX/2020 by fed loan servicing. For some reason the company intentionally or in error removed the loan completely as a trade line on my credit report. I asked them to please re report to the three credit bureaus reflecting paid in full, satisfied with no late or missed payments. The credit bureaus have no evidence fed loans has done this. In fact XXXX  said if they had in fact done this it would have posted same day. Fed loans is dragging their feet and not helping me and they made the error by removing not completely as a trade line. This affects my credit score. I simply ask that they resubmit showing paid in full, satisfied with no late or missed payments. Thanks.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (TX)

all information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY potentially negative icon Potentially Negative StatusCollection account. {$92.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$92.00} Date XXXX Details Revolving Accountsshow tooltip button XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$940.00} Date XXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Details XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$640.00} past due as of XX/XX/2020. 
Account XXXX XXXX XXXX {$7100.00} Date Opened10/06/2018