davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CO)

SYNCHRONY BANK XXXX. XXXX, XXXX, XXXX fraudulently opened a new credit card account without our consent, authorization, or permission. 
New cards were sent to us on XXXX XXXX which we destroyed and did not activate. Synchrony accepted {$7600.00} in fraudulent charges from a merchant that we did not and could not have provided a valid card number to because we never entered the card number for anything! 
SYNCHRONY apparently was provided confidential private financial information by XXXX XXXX XXXX without our consent or authorization.
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing failed to pay the property tax before due date of XXXX XXXX. 
Name on the account : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account Due : {$5100.00} Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Select Portfolio Servicing claim payment was paid XXXX XXXX but when request paper confirmation, one can not be provided. According to the XXXX XXXX XXXX XXXX department, payment XXXX as of today ), have not been received.
Consumer complaint received 2017-12-04
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. (TX)

I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year>2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX **** XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

The below listed LATE PAYMENTS that are being reported within my credit report is inaccurate account information. Based on the 15 U.S. Code 1681a- Definitions ; Rules Of Construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you can see, the transaction history being reported in my credit report on this account is excluded. If transactions are excluded from my report, that means a late payment can not exist because that is part of the transaction. By law thi is being reported unlawfully and fraudulently. Therefore, this late payment must be removed from my report as this is in complete violation of my rights as a consumer under 15 U.S. Code 1681a. 

LATE PAYMENT CREDITORS : XXXX XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2017-12-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (MO)

I had a previous loan, but with your help, I was able to make it the installment loan it was supposed to be in the first place. With it almost paid off, I was given the opportunity to add another loan. Come to find out later, that it would no longer be an installment loan, but the entire amount would be due and payable in 30 days. It was not necessarily the amount to pay back, but I thought it would continue as an installment loan. Upon trying to remedy the situation, I was told that as long as the balance remained above {$500.00}, it would be due and payable in 30 days after that I could make it an installment loan. I 'm willing to keep doing business with them, but I do n't consider this rule fair. Help! Now I 'm worried of what might happen to my car. I just had it serviced at XXXX XXXX XXXX for {$1800.00} and I ca n't pay that entire amount.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. Consider this complaint as a follow-up to my previous attempts to complain. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 2017-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (SC)

I sent a debt validation letter to XXXX XXXX XXXX XXXX to validate the debt they say that I owe on four accounts. I sent the letter certified on XXXX XXXX.2017. I gave them 30 days to respond to my request.They have failed to validate the debt. I have a copy of the letter that was sent to them that was received by someone in their office.
Consumer complaint received 2024-08-12
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 2024-10-11
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. (TX)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 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 XXXXXX/XX/year>
Consumer complaint received 2024-10-11
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. (PA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
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. (KS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$80.00} 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
Consumer complaint received 2024-10-11
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)

Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate late payments reported on my Experian credit report. The late payments associated with the account ( XXXX ) listed below are incorrect and negatively impacting my credit score. 

Details of Disputed Information : Creditor/Account Name : XXXX XXXX Account Number : XXXX Creditor/Account Name : XXXX XXXX Account Number : XXXX FCRA - Right to Dispute Inaccurate Information ( 15 U.S.C. 1681i ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. 

According to the FCRA, you are required to : Conduct a reasonable investigation of my dispute, including contacting the creditor to verify the accuracy of the late payments reported. 

If the information can not be verified, the inaccurate information must be removed or corrected on my credit report. 

Notify me of the results of your investigation within 30 days of receipt of this dispute. 
Provide me with a new, corrected copy of my credit report once the investigation is complete. 

Please update my credit report to reflect the correct payment history or remove the erroneous late payment entries. Failure to do so will result in my escalation of this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies under the FCRA. 

Thank you for your attention to this important matter. I look forward to your prompt response and the removal of this inaccurate information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-12
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. (NC)

I have been trying to get this 30 day late removed for months. I have been communicating with XXXX, XXXX, and Experian. I have sent letters, called, and done everything they asked. I have not been helped. Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. This is aggravated identity theft according to 18 U.S. Code 1028A!!!!
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

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

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

I demand the late payment reported to be removed/updated. 

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

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 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 XXXX ( 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 XXXX ( 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 XXXX 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 2023-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Rushmore along with XXXX XXXX XXXXXXXX is serving as trustee for XXXX XXXX XXXX XXXX XXXX XXXX is attempting foreclosure on my property with unclean hands and fraudulent assignments that dates by as from mid XXXX XXXX XXXX is well known ROBO signer signed the assignment as an attorney in fact dating XXXX fraudulently conveyed the first assignment. The assignment was created after the cut off date of the first trust filed with United States securities exchange. The polling and service agreements section 201 clearly states that all mortgages had to conveyed 90 days prior to the cut off date. Some of these assignments are fraudulent ( XXXX XXXX ) and fraud cant be the basis for obtaining a deed. The ROBO SIGNER XXXX XXXX was apart of both Federal and State Court cases. You can google her name and see the fraud her signature was involved in. The Vice President that signed are not bank presidents. They are simply ROBO signers. I sent a XXXX XX/XX/XXXX and they havent responded. I sent a notice of default and I havent received a response. I requested the reinstatement amount to become current. It was sent to me but the figures were acknowledged by Rushmore to be incorrect. There were fees that were paid on XX/XX/XXXX. Any time a loan is reinstated all fees must be paid in full. I asked that the fees be corrected so i could have to correct amount to send them. I was told they don't have time to make the correct adjustments before the foreclosure date. 
I was also told that even if i did submit a modification package, the investor would not accept it because i had a previous modification. In that last modification my payment went UP by over {$400.00} and my interest rate increase by XXXX XXXX. I was told take it or leave it. I thought a modification is supposed to help you.