davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

Its hard to explain what is happening because the issue at its core is that the company is not organized, has sent misleading letters and cant process changes or payments on their website among so many other confusing business practices. 

One thing, for example : Every time you log in a window pops, asking you if " this '' is your email. The same box. Every time. Yes. My email hasnt changed. Its absurd. There should be standards that loan companies need to adhere to and I am very worried about the validity of this company. The website is glitchy and very confusing. How can a company this terribly run be handling a loan of this magnitude? 

Another problem I am facing is that for some reason my auto draft has been temporarily suspended and now It is saying that the next date of draft is XX/XX/20? I never suspended my auto draft and it shouldve drafted this month. They suspended my payment and then are saying I owe late fees as well as a " {$10.00} payment fee '' I cant get a solid answer on the website of what I owe. I really really dont trust this company.
Consumer complaint received 2020-08-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial disupte was sent on XX/XX/2020 and 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2024-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am deeply disappointed by your complete disregard for your own stated timeline. In your memo dated [ insert date ], it was clearly stated that the results of the investigation would be provided to me within 30 days. That deadline has passed, and I have yet to receive any communication regarding the status or findings. 

This lack of follow-through and failure to uphold your commitment is unacceptable. As the bureau, youve had ample time to complete the investigation, and there is no justified reason for this excessive delay in sharing the conclusions. Your memo set an expectation that I relied upon, and your inaction constitutes a breach of that assurance.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-19
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. (FL)

XX/XX/2020 and XX/XX/XXXX I sent two different formal dispute letters to the credit bureaus Transunion, XXXX  and XXXX. I also got a letter from Bankruptcy court stating that they do not validate anything or report in any way to the credit reporting agencies. I am asking them to follow the law but they are not.
Consumer complaint received 2020-08-19
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: Conn's, Inc. (TN)

This company has changed the follower amount they say I owe numerous amounts of time. I will attach a statement below. The company has reported incorrect amounts and yet every time Ive disputed the validity of the dollar amount the account had been verified and updated to a different amount. Enough is enough. Under federal law anything reporting inaccurately should be investigated thoroughly and deleted if inaccurate. This company has been caught trying to hold an incorrect debt on my report. Another thing, all three bureaus are reporting my high credit balances differently, the payment histories are all wrong.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Consumer complaint received 2020-08-19
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: EQUIFAX, INC. (OH)

I got a alert on my XXXX  credit report that a new inquiry from XXXX was on there. I dont have a license and I dont have any business with XXXX this is fraudulent please remove from my inquiries on my credit report
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CT)

I am writing in for assistance concerning credit card issues. During covid I have fallen delinquent on my American express credit card but was able to pay off my balance in full. I requested that american express reinstate my account. I spoke to 3 different departments over a dozen phone calls today and wrote in to their online chat support another dozen times today. I thought there would be some leniency due to covid and that they would assist me in account reinstatement but they have not as of yet been willing or able to assist me. I need help reinstating my american express account. What can be done? 

Thank you for any assistance you can provide. 

XXXX I have been in contact with American express for the entire day today in my effort to resolve my issues and reinstate my card. As I understand it, american express policy is to not ever reinstate a card if it is past 120 days, but i am asking for leniency due to the monumental health pandemic known as covid. I am simply trying to restore my card. No agents or support representatives have been willing and able to assist me.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am disputing two credit card accountsXXXX XXXX  ( {$5600.00} ) and XXXX  ( {$4100.00} ) that have been inaccurately reported on my credit report. Despite multiple disputes, the balances remain incorrect. I have received 1099-C forms for both accounts, indicating the debts were forgiven, and I have uploaded copies of these forms in previous disputes. The credit bureaus have failed to review the provided documentation and have solely relied on the creditors information, neglecting their duty to properly investigate. I request that these accounts be deleted from my credit report immediately due to this ongoing inaccurate reporting and failure to investigate.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian 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 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.

Experian 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 2024-08-20
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. (AL)

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 168b permissible purposes of consumer reports. 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. 

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 XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX ( {$1000.00} ) XXXX  ( {$1700.00} ) Inquiry : XXXX XXXX XXXX accounts are not mines. I did not authorized these accounts. I am a victim of identity theft.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (OH)

I have been a long time customer with US Bank, I have a checking account, a debit card and a savings account along with two credit cards with USBANK. 

Since XXXX of 2018, US Bank 's Debit Card chip stopped functioning. 

I called and had a replacement sent out, it did not work -- every place I use it gets an error. So I called and they sent another card. 

THAT card chip doesn't work. 

So every time I use it, I get a decline notice, I have to have the cashier try again and again and again until the system allows them to bypass the chip. 

I called in XXXX twice, XXXX, XXXX and XXXX. 

US bank only offers to replace the card which requires me to update all my billers, only to get the same result of the card not working. 

Clearly a pattern has been established after 3-4 cards now that there is an issue with the chip manufacturer or technology and rather than address it US bank just keeps sending out bad cards. 

I've asked that they investigate, but I've been told its not something they can fix, investigate etc. 

At this point my money is not available to me. I can not use self service stations. I have to beg cashiers to run my card until they can bypass the chip technology. THis has to be addressed.
Consumer complaint received 2024-08-20
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2020-08-19
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. (GA)

I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have refused to block the information and do a thorough investigation even though I sent a police report, reported from FTC and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record.
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I have tried for over one year to get Shellpoint Mortgage Servicing to cease any further foreclosure action against my home. I have cleared out all collections against me personally, and I have gone through several financial set backs including medical issues that are now behind me. However, Shellpoint Mortgage Servicing keeps coming back to me stating that XXXX XXXX will not consider a modification of my mortgage, even though I have well over {$200000.00} in equity in my home. I along with millions of American consumers have been dealing with the Covid-19 Pandemic, working from home to keep my job. I have resolved dozens of financial issues that an average person would have filed a Chapter XXXX bankruptcy on. I need the help of the Federal Deposit Insurance Corporation to intercede in a foreclosure that simply is not warranted. The FNMA rules are antiquated, and there must be other measures that can be incorporated since the Covid-19 Pandemic. Shellpoint Mortgage Servicing must reinstate my mortgage with the requested modification. 

XXXX XXXX
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MI)

In a conversation with American Express, the representative threatened me that if I closed the account and re-opened it at a later date that it would " ding '' my credit score. I asked him to pause and asked if he was threatening me and he tried to change the subject. I do not believe that a company should threaten their customer 's like this. There are credit reporting agencies that make these determinations and it is impossible for an issuer to know how any one particular act may influence any consumer 's credit score. This seemed very obviously a veiled threat to not close the account.
Consumer complaint received 2020-08-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Federal Credit Control, Inc. (TX)

Collections agency has called a few times and let the phone ring 1x then hang up there has been a time or 2 for which i was at work and recieved the call. They were not understanding that i live in TX so the law to collect is 4 years for which this debt is past that time and I have contested the infomation on my my credit report but they keep saying that it FIRST FED CREDIT CONTROL Last reported XX/XX/XXXX {$1500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX