davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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 account with ( XXXX XXXX XXXX, XXXX, XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported in ( XXXX XXXX XXXX ) 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 XXXX, XXXX, 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 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NJ)

My mortgage is serviced by Shellpoint Mortgage Servicing, account # XXXX After having reached an agreement in court months ago, we have been sending in payments reflecting the amount on our escrow statement dated XXXX of 2023. 
I have not received a monthly statement of mortgage, in spite having requested them. In fact, this was a condition of the court settlement. I believe it it also the law. 
By now my escrow shortfall should be taken care of and my payment therefore reduced, but I have no idea as to how my payments are being applied to my account.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

Apple Card closed my account after they claimed disputes of the goods i had used. I had contacted Apple with the hope of a resolution but I have not heard back. I would want AppleCard to reinstate my account fully.
Consumer complaint received 2024-09-09
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-03-10
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-26
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

As indicated in previous complaint ( XXXX ). I opened a credit card with Fifth Third Bank in XX/XX/XXXX. That account has since been closed. On XX/XX/XXXX I went to the XXXX XXXX, Florida Fifth Third Bank to open a money market account and deposited {$25000.00}. After the account had been opened, almost in hindsight, the bank officer asked to review my account information. 

She asked if I was still employed with " XXXX XXXX  '' and was my telephone contact still " XXXX ''. I told her that neither of these bits were ( or had ever been ) correct. I asked how someone else 's information could be in an account linked to my social security number. With so much fraud and identity theft happening ; I wanted to make sure my account was secure from authorized persons. She could not tell me what happened. 

On XX/XX/XXXX I attempted to contact the Fifth Third Bank Fraud Department ( XXXX ). I spoke to 7 different people without resolution. To make matters more interesting ; on XX/XX/XXXX I received a notice from Fifth Third Bank ( Verifcation of Contact Information Change ) indicating that the telephone number ( XXXX ) was the new " updated '' number for my account as of XX/XX/XXXX. 

As indicated above ; the employer name and telephone number they had in my account was incorrect. 

On XX/XX/XXXX I received a letter from " XXXX XXXX - Office of the President ''. The letter states, in part, " It was found that the information we had on file, that your Personal Banker reviewed with you, is WHAT WAS PROVIDED WHEN YOU OPENED THE TRIO CREDIT CARD ON XX/XX/XXXX ''. 

I called on XX/XX/XXXX to speak with " XXXX XXXX '' but had to leave a message instead. Today I called again, and spoke with XXXX. I was told that my efforts were " A WASTE OF TIME ''!! 

All I asked for with the first complaint and I repeat with the second complaint is as follows : - How did someone else 's information become associated with my social security number. 
- Could they please provide a written letter affirming the security of my newly opened account. 

Thanks.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (MS)

On XX/XX/2022 I went to a gray XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-07-26
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reports charge off from XXXX. This account was also paid in full. The letter is attached. it was not a charge-off as reported. It was on auto pay and paid on time It was not a charge-off as reported. It was on auto-pay and paid on time.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Phoenix Financial Services LLC (FL)

To Whom It May Concern, I am writing regarding the unpaid debt on the derogatory account listed above, which I dispute and attempt to correct your records. I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary. Please also be advised that non-compliance with my demands, could put your company in serious legal trouble. 

According to the FCRA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows have some contractual obligation to pay your company. 
I hereby DEMAND that your company will provide me " under penalty of perjury '' with the following verified documentary evidence of alleged debt : Please provide a verified copy both front and back of the alleged original contract / agreement / promissory note in its entirety. including any application. accompanied by a commercial affidavit sworn to be true. correct. and complete. upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract agreement / promissory note ; Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account? 
Please describe in detail your firm 's charge-off procedures as they apply under the Sarbanes-Oxley Act of 2002 ( Pub.L. 107-204, 116 Stat. 74 ) ; 4. Have you determined that alleged debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that ; 5. Please explain how the added interest, fees or other charges are expressly authorized by the consumer agreement, creating the debt and permitted by law ; 6. Please provide an itemization showing the dates and amounts of each reduction or oavment were accrued in your firm 's procedure, authorized by the consumer agreement and creating the debt or permed by law, 7. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, or an Insurance Claim ;
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

15 USC 1666B : A credit plan as late for on purpose.
Consumer complaint received 2024-09-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear PORTFOLIO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that PORTFOLIO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for PORTFOLIO to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that PORTFOLIO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PORTFOLIO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Lendmark Financial Services (GA)

ATTN : XXXX XXXX I applied for a car loan on today XX/XX/year> and got Denied. I called Agent XXXX in the XXXX GA Office when, asked to speak to the Underwriter and he could not help me, he gave me a number that no one answered. I Then called to another Branch, and Agent XXXX answered the phone and said she could not help me, and to call XXXX back. Confusion everywhere.

Regardless of the REASON for being DENIED. I have a right to Credit with holding my ACCESS TO My Securities. That's Security Fraud you are violating the EQUAL CREDIT OPPORTUNITY ACT & Consumer Credit Protection Act. Title 15 subsection 1611 false and misleading denial of my own credit.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX 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 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 2024-07-26
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NM)

XXXX XXXX is managed and administered by TD Bank. I belive that TD Bank is making a credible effort to attempt to withhold information from XXXX XXXX. I believe that TD Bank is doing this by purposely not manning phone lines, aswell as changing the main payment portal that customers used in the past. The portal in question is used to view credit interest rates and remaining balance. Phone calls to TD BankXXXX go unanswered for upwards of two plus hours by design. I belive that these XXXX companies in conjunction could use these tactics to defraud customers out of interest and late fees. I believe that CFPB should open a wide investigation into this matter due to the amount of Americans that could be affected by this issue.
Consumer complaint received 2021-07-26
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. (NJ)

Im hoping someone can help me with complaint because I have had several issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AR)

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information without my written instructions. Under 15 USCS 1666B, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX is attempting to collect a debt without verifying its accuracy. XXXX has misapplied funds that were paid on my account and I have requested a payment history several times so that I could match my payment. I have not to this date received them.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

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

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

I demand the late payment reported in ( 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.

EQUIFAX 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I am writing to formally complain about Upgrade , Inc. for their failure to properly notify me regarding two of my accounts before reporting late payments on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Specifically, Upgrade , Inc. has violated the following provisions of the FCRA : 1. **Section 623 ( a ) ( 1 ) ( A ) ** : Upgrade, Inc. did not provide accurate information regarding my payment history.

2. **Section 623 ( a ) ( 7 ) ** : The company failed to notify me of their intention to report the late payments, which is a requirement prior to submitting such negative information to credit reporting agencies.