davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

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 1637 ( 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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am still disputing a charge that was placed on my credit report with two different collection agencies for the same charge. XXXX and XXXX property management/investment group place an eviction from 2011 on my credit report. They placed it with XXXX XXXX XXXX, who reported it twice to my credit report and they also placed it with XXXX XXXX XXXX, who also placed it on my credit report twice. I 've finally been able to get each company to remove the duplicates that they originally placed, which still leaves me with one mark from each company for the same exact thing. I have tried going through the credit bureaus to get this fixed but they keep placing it in dispute without ever getting anything fixed. I reached out to the original creditor, XXXX and XXXX and after many phone calls and emails, I have still not been able to contact them. It 's bad enough that due to this I was hit 4 times on my credit for the same thing. I though it was illegal for this type of thing to go on. At this point I am very frustrated and I just want for these collections to be removed. They fall off my credit in XXXX anyway. At least delete one of the entries. No need in double the debt showing up on my credit report.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This morning, I found unauthorized inquiries on my credit report, and I have no idea how they got there. I check my report regularly, and everything was fine before, but now these discrepancies appeared out of nowhere. I refreshed my browser, hoping it was a simple error, but the inquiries didnt go away. Im extremely frustrated and demand that the documents Ive provided be reviewed thoroughly so this issue can be resolved for good.
Consumer complaint received 2024-10-09
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. (CA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 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 seven 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 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

fraud error dont know but they are not mine inaccurate information must be removed .... violation of all my right as a consumer i sent several letter to all the company listed speedy cash a lot of inquires that are not mine transunion, XXXX and XXXX will be all disputes in the mail of the violation that they have put on my credit report ... ..
Consumer complaint received 2024-10-24
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Consumer Portfolio Services, Inc. (GA)

XX/XX/year> Consumer portfolio auto loan lender placed a charge off due to car being totaled from accident. I set up payment plan which unfortunately was not enough so now it's been charged off. 

Credit services for washer /dryer waa placed on my credit twice. 

XXXX placed charge on credit XX/XX/year>XXXX  for equipment not being brought back but it was turned in via XXXX  rep
Consumer complaint received 2024-10-09
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. (GA)

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number:XXXX  and list of Inquiries XXXX XXXX XXXX XXXX  XXXX 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 2017-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

The complaint is regarding how the company accepts payments. Ever since XXXX XXXX bought out my loan earlier this year, I have been dealing with the servicing company American Education Services ( AES ). Each month I call to make payment, AES employs strong-arm tactics to try to force me into giving them my banking account and routing number. 

I continue to be told, every month, that they will accept my banking account and routing numbers as the only form of payment. Each time they conclude our transaction by reminding me that they will allow the " courtesy '' of a debit, only after being transferred to a number of gatekeepers who all try to dissuade me or deveieve me that debit is not an option. I deal with this every month that I call. 

I was told today, by AES, that " this is how we 've always done it '' when it comes to accepting payments strictly through banking routing numbers. This is a dubious explanation as debit is clearly possible. I have also been told by a supervisor that they actively discourage debit because it costs them money to process payments this way. I 'm not sympathetic as this is the year XXXX and I would like to conduct my business- as I do with countless other merchants and vendors- and use my debit card. 

I have told AES that I can not and will not provide them my banking details, yet they will not accept this explanation each month I call.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (AZ)

XXXX/XXXX/XXXX - Attempted to understand Equifax 's TrustedID program vs. the current Equifax 3-n-1 credit monitoring program that I have been enrolled in for several years. The 3-n-1 program provides text and email alerts when a credit card 's balance changes substantively to alert me. This is valuable as it allows me to confirm changes and respond accordingly. 

That same alert process is seemingly unavailable in TrustedID, and customer service can not explain why well enough to help me out. Very unfriendly and unable to help. So, what I do not know is whether to continue with the 3-n-1 program, which I pay for, or assume that TrustedID is the replacement solution that Equifax offers for free given the security breach that occurred. 

Very unhappy.
Consumer complaint received 2024-10-09
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. (OH)

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 nephew, 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 XXXX out of XXXX 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 2024-10-09
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. (TN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of XXXX XXXX. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Experian Information Solutions Inc. (NY)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit repot on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting agency prepare a consumer report it shall follow reasonable procedures to assure 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am disputing multiple joint accounts from XXXX XXXX XXXX XXXX  that appear inaccurately on my credit report. These closed accounts report negatively, with statuses such as CollectionOrChargeOff, although they are documented as paid in full for less than the full balance. The reported information is inconsistent and incorrect, failing to comply with FCRA ( 15 U.S.C. 1681i ) and Metro 2 standards across Experian, XXXX, and XXXX. 

Key issues : - Incorrect Account Status and Responsibility : Although these accounts are joint, I should not bear responsibility for the delinquent status, and XXXX has not provided proof of my individual liability. 

- Inaccurate Reporting of Dates : Date Opened, Date of Last Activity, and Date Reported are inconsistent across the credit bureaus and reflect errors in reporting standards. 

- Non-Compliance with Metro 2 Standards : Reported fields, such as Account Status, Loan Type, and Balance Owed, fail to meet accuracy requirements, impacting my credit profile unjustly. 

I request a thorough investigation, the removal of these accounts from my credit report if they can not be verified accurately, and a formal response with corrected or deleted items.
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (FL)

I am in a Forebearance Program because Florida was declared a state of emergency due to Hurricane Irma XXXX/XXXX/XXXX. I applied for the Forebearance protection and was told that late payments would not be reported to the credit bureaus for the next three months starting XXXX. 

I was advised today that Citimortgage has reported me for late payment for XXXX and XXXX which has adversely affected my credit score by 120 points. I have also accrued a late fees of XXXX. 

I called today and was advised by XXXX a manager that they did not know when this would be resolved, it may take up to two billing cycles. I also e-mailed the CEO, XXXX XXXX.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XXXX XXXX, my credit was pulled by my credit union and I was advised that there were negative collection items reporting on my credit file. When I looked over the report, I noticed a few medical bills and a bill from a XXXX XXXX. I do not owe any medical bills and I do not have any pets. So I contacted XXXX, XXXX, and Equifax on XXXX XXXX by letter and advised all 3 credit bureaus that they were reporting inaccurate information on my credit report and in turn, this information was harming my ability to obtain the credit I desired. XXXX and XXXX investigation results proved that these items did not belong to me and removed them from my credit file. Equifax, however, came back indicating that they had performed an investigation and determined that these items were valid and did not delete them. I resubmitted a dispute providing Equifax with the results from XXXX and XXXX and requested they provide me with copies of their investigation results that verify that these items belong to me and they have since stop communicating. I have provided proof from all of my efforts.
Consumer complaint received 2017-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

On Friday XX/XX/XXXX, I XXXX XXXX, formally XXXX XXXX DOB XX/XX/XXXX was applying for school at XXXX XXXX XXXX XXXX. I contacted XXXX for financial aide, and was advised that I had outstanding student loans from XX/XX/XXXX. I advised the financial adviser that I repaid the company thru my taxes in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, My entire tax return was taken from me all 3 of these years to pay back these student loans. On XX/XX/XXXX, at approx XXXX XXXX, I contacted Navient student loans to discuss the payments that were made from my tax returns from all 3 years and I spoke to a Representative named XXXX, I told her that I paid the loans from XX/XX/XXXX back with my tax returns and i should not have a balance owed, and she advised me that she could not give me any information concerning the account and I had to contact XXXX XXXX XXXX funds at XXXX. Upon me calling that number the promp said thanks for calling Navient. this was the same company that I contacted the first time, and the promp said that the office was closed it was apporx XXXX XXXX. It is to the best of my knowledge that I am being scammed and I have over paid this company, they are also stooping me from receiving funds to help me further my education. I need justice as well as help with this. I have overpaid this company more than 3 times.
Consumer complaint received 2017-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: American Payment Holdco, Inc. (MD)

On XX/XX/XXXX, I entered my local XXXX XXXX # XXXX located at XXXX XXXX XXXX, XXXX, MD XXXX to send cash through XXXX to pay the XXXX XXXX. I purchased a XXXX cash transfer for {$5700.00} ( one for {$5000.00} and the other for {$700.00} ). I received a XXXX receipts for the transactions ( attached ). I then called the XXXX XXXX to verify the receipt of the funds. XXXX confirmed the funds were not received. I called XXXX to verify transfer of the funds. I was told by XXXX that the reference number on the receipt did not belong to XXXX. I went back to the XXXX on XX/XX/XXXX to inquire about my transaction and discovered that the XXXX Associate had completed a Checkfree Pay transaction instead of my requested XXXX transaction. The associate called checkfree pay and was told that XXXX would receive the funds on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX and was told that no payments were made to my account, and again told they do not recognize checkfree pay as an authorized form of payment. On the same day I did a conference call between XXXX and checkfree pay during which the XXXX representative informed checkfreepay that no monies were received and that he never heard of them. After hanging up the checkfree rep informs me that he will start an investigation ticket that will take up to 14 days. On XX/XX/XXXX I called XXXX again to check on the payment and told again no payments have been posted. On a second call the same day XXXX asked that I get a tracking number for the transaction so that they can trace the funds. I called checkfree again for the tracking number and told that they do not use tracking numbers, just the reference number found on the XXXX receipt. I told him that all electronic money transactions can be traced after which he gave a trace number XXXX XXXX XXXX,. I called XXXX and gave them the trace number. XXXX has promised to get back to me by tomorrow XX/XX/XXXX to update me on their investigation. XXXX and Checkfree both claim 24 hour transfer of funds and it is now 6 days later and {$5700.00} is in black space. I am without my vehicle to go to work and I am accumulating fees for non-payment. I have spoken to managers in the XXXX corporate headquarters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without return of my funds. I have been in contact with checkfree everyday from XX/XX/XXXX -XX/XX/XXXX ( except Sat and Sun ). Checkfree Pay continues to tell me that XXXX accepts payment from them all the time and that they receive calls from XXXX on a daily basis to verify payment, which completely contradicts what XXXX says.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My wife and I were looking to purchase a new home and submitted an application for pre-approval. When our Real Estate Agent advised me that I had some collections I needed to pay off, I was confused because I have never ever used my credit for anything ever. I have always paid cash for everything I have ever had or my wife puts everything in her name. I looked at the report and reviewed it and noticed that there were items that belong to my father, XXXX XXXX XXXX, reporting on my credit report. I submitted request on XX/XX/XXXX to XXXX, Experian, and XXXX to advise them that they were reporting my father 's credit collections on my credit report and asked them to remove them. All 3 credit bureaus indicated that they were completing an investigation. XXXX removed all of the items after their investigation, Experian removed only 2 of the 4 items, and XXXX removed 2 of the 4 items as well. I am scratching my head as to why Experian and XXXX only removed 2 items and not all 4 because none of them belong to me. I sent in a written request to Experian and XXXX on XX/XX/XXXX advising them again that they reporting was incorrect and violating my rights under the Fair Credit Reporting Act and also provided them with the finding of XXXX. I also requested that they send me copies of the information the claim to have received to verify that the collection items belonged to me because I knew that there was no investigation done that verified debts that do not belong to me as valid. They have stopped replying after my 2nd attempt.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (IL)

on or about XXXX XXXX i purchased product online and unknowingly signed up for card. I paid for purchase but Chase card co. charged me XXXX bucks and now plus fees and interest, I AM NOT PAYING IT and I have told them so, I have cut up the card
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

on XXXX2017 XXXX erroneously reported to XXXX that they had closed my XXXX XXXX account ( ending in XXXX ) and opened a new account XXXX XXXX ( ending in XXXX ). 

This was not supposed to be reported like this and this adversely affected my credit score. 

I have communicated this to XXXX via 1 ) email 2 ) US mail 3 ) certified mail 4 ) phone and 5 ) fax I have credit alerts showing this reporting. I have sent this documentation to XXXX also through the above-listed methods. 

XXXX  refuses to correct this error. 

I have also filed a dispute with XXXX. 

XXXX XXXX XXXX