davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Ive been reaching out to XXXX regarding their incorrect reporting to my consumers report. They have yet to cease reporting this inaccurate information. I have no filed a FTC report against the company being that they are committing identity theft. I have not provided XXXX with my consent to Furnish anything on my credit report. I am also in the process of suing for XXXX each violation. I would demand this account be removed from my credit report within 4 days of receiving this complaint
Consumer complaint received 2023-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While looking at my credit report i have noticed the following accounts had a discrepancy in the " payment history '' section of the listing : Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX these charged off accounts is reporting payment history each month when it should not since the accounts have been charged off. this is falsely manipulating the status of limitations which is a FCRA violation. 
FCRA623 ( a ) ( 5 ) ( a ) ( 5 ) Duty to provide notice of delinquency of accounts. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (IL)

Grain is a credit card company that allows you to have a credit limit based on your bank account balances. I signed up for the card and everything was going good making purchases and payments, fast forward about a year and a half later their app no longer works to make payments. Everytime you would go to make a payment it would crash the app or go black and sign you out. I have sent hundreds of emails to grain with all the same response saying their team would look into it and they would send me a payment link to pay through. Only problem with that is their customer service team takes 2-3 days to respond and only respond thru email, before Im able to make a payment and it has negatively affected my credit report due to their app not working. I have also had someone use the card fraudulently and have fraudulent charges. I have sent them all the information with numerous proof, screenshots, screen recordings, even offered to pay the balance in full to just get it removed off my report completely. They deny all my requests.
Consumer complaint received 2021-03-03
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)

Information is reporting on my Equifax, XXXX and XXXX reports as a result of identity theft. I have been contacting these agencies since XX/XX/2020 and information is not being removed.
Consumer complaint received 2024-10-18
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 XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN 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 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! 


Update the late payments from my consumer reports
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX is a credit card company that allows you to have a credit limit based on your bank account balances. I signed up for the card and everything was going good making purchases and payments, fast forward about a year and a half later their app no longer works to make payments. Everytime you would go to make a payment it would crash the app or go black and sign you out. I have sent hundreds of emails to XXXX  with all the same response saying their team would look into it and they would send me a payment link to pay through. Only problem with that is their customer service team takes 2-3 days to respond and only respond thru email, before Im able to make a payment and it has negatively affected my credit report due to their app not working. I have also had someone use the card fraudulently and have fraudulent charges. I have sent them all the information with numerous proof, screenshots, screen recordings, even offered to pay the balance in full to just get it removed off my report completely. They deny all my requests.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/XXXX I purchased a washer and dryer from Lowes.com. The items were delivered to my home shortly afterorder number XXXX. I contacted Lowes about returning both the washer and dryer since both of the things were too small. After speaking with someone over the phone that advise me that I would not get a refund on the items until they were in the store. I was told once the things were in the store someone will contact me in regards to a refund. After the things were returned for approximately three days no one contacted me. Therefore I went to the store to get a refund. Upon waiting at the stores for over 5-6 hours and coming back and forth to the store the manager told me that they had issued a refund in the form of a gift card. I am not sure why I was not called, instead, they took it among themselves to just issue a gift card. I am only 5 minutes away from the store. I could have come and got the gift card. I requested the manager to print out the refund information for my record. However, she could not be I was able to take a picture with my phone. The refund was issued on XX/XX/XXXX for {$1000.00}, return XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX. However, I noticed the gift card was in my ex-spouse 's name. I immediately told them that it was not supposed to be in his name. Before I place the order on XX/XX/XXXX I made changes and verified that his name was not on the order. While I was in the store and was telling the manager that his name was not associated with the order, someone was making changes to my account. I had several notifications where they were trying to fix their mistakes. My invoice has my name on it. I was later advised to contact customer support. I contacted customer support and the first time I called they said there was nothing they could do. Then I called and requested to speak with a supervisor and they advise me to do a lost and stolen report on the gift card and that I will be receiving a gift card replacement within 30 days. However, after the 30-day wait, I was told I had to file a police report. This is only one issue. The manager at the local XXXX, WA Lowes is ridiculous and very unprofessional. She was telling me things just to get me out of the store. I didn't get her name but she is the only female manager. 

I have another issue as well. I did a claim on my washer and they only paid me for what they felt it was worth today. I paid {$790.00} a piece for my washer and dryer. I did a warranty claim and got only {$620.00}. I also received a {$790.00} payment on the dryer for not working as well. I don't understand how the company can not so call to find an invoice. So how was a paid the {$790.00} for the dryer?? I sent in a receipt. Of course, the receipt is faded. We found the invoice number because the dryer and washer were delivered to my address.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since the beginning of this year 2023, I have been challenging this credit bureau in writing about information I found on my report that is incorrect, and others outdated. 

And every month, they have been mailing me back a letter stating they would not look into the matter because 'they believe someone else is requesting the correction and that they need proof it's me requesting it '. 

So I'll send the requested information, and my identification AGAIN, just to get the same response letter, AGAIN. We've been doing this same song and dance for 4 months now, and they still don't want to do anything that I know I'm protected by law they are obligated to do. 

This leaves me very skeptical as to why they wouldn't want to remove the incorrect information from my record, let alone the outdated one 's. 

I seek assistance from the CFPB to compel this credit bureau to do what they are required by law to do, since they don't want to solve this with me.
Consumer complaint received 2023-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp. (FL)

14 months ago I took out a auto loan with a company called first investors financial services this was considered a refinance loan and the payments were just under {$250.00} a month for 72 months and now after 14 months of successful payments I get a letter in the mail from the first investors financial services telling me that my current deductibles on my progressive car insurance needed to be brought down from {$2000.00} deductible to {$1000.00} and of course when I changed my policy in order to be in compliance with the finance company this drove my previous car insurance payment of XXXX change to now {$180.00} to start followed by payments of {$150.00} a month now as a consumer I am a senior citizen I am XXXX and I am drawing social security and therefore I live month to month on a fixed income if first investors can not provide me with some type of amendment that is legal in court stating that they have the right to demand that I change my deductible on my car insurance then this will be considered fraud on their part as well as breach of contract
Consumer complaint received 2023-07-02
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: EQUIFAX, INC. (PA)

Notice to agent is notice to principal notice to principal is notice to agent Reinsertion of previously deleted accounts from credit reports : XXXX XXXX XXXX : Social Security Number : XXXX To Whom It May Concern : It has come to attention while checking my consumer reports that you has reinserted a previously delete item on my consumer reports. 

I am requesting the certification of accuracy that was produced by the data furnisher that verified this alleged account. By law 15 usc 1681i ( 5 ) ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Furthermore after reinsertion of previously deleted information within 5 days you were to notify me pursuant 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

You have failed to provide the required disclosure and notices pursuant the FCRA 15 USC 1681i and its provisions. 

Delete the reinserted accounts that you have placed on my consumer reports which now is a violation of the FCRA. 


XXXX XXXX All rights reserved UCC 3-308 CC : CFPB, XXXX, ATTORNEY GENERAL IN YOUR STATE AND MINES
Consumer complaint received 2023-07-02
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)

XXXX XXXX XX/XX/ XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX RE Account : Dear TransUnion I was reviewing my credit report and seen some inaccuracies on my credit report. You are reporting a duplicate account on my credit report that needs to be deleted immediately! As you are aware this is a violation of the Fair Debt Collections Practices Act or the Fait Credit Reporting Act. Please delete this item immediately. I know for a fact this XXXX XXXX account was not properly verified because this is not the original account holder nor have I received any documentation as asked prior showing the steps taken to validate this debt and an original contract with my signature. I want this account removed immediately!
Consumer complaint received 2017-12-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I feel that my privacy was violated in that sensitive and personal information regarding my personal debt was provided to my brother in law, who has no business knowing my personal situation. Midland called him and instead of verifying the identity of the person they were speaking to, they proceeded to provide him with my debt situation. I do not understand why they did not verify who they were speaking to securely ( I had to provide my social security number when I called in before they would talk to me but they did not ask my brother in law to provide any method of identity verification upon speaking to him ). I feel violated and am very upset. It is bad enough that I am in this situation ( which I take responsibility for ) but now a member of my extended family is also aware and it is humiliating.
Consumer complaint received 2023-07-02
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: National Credit Systems,Inc. (TX)

On XX/XX/XXXX I sent a letter requesting a full investigation and removal of National Credit Systems , Inc, XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX to XXXX. Because my sister and I do not owe National Credit Systems or XXXX XXXX XXXX any money for rent or damages as they have claimed. We dont owe them {$5000.00}. It is not a judgment in the favor of any companies listed above. We dont have an eviction or monetary judgement from or for XXXXXXXX XXXX XXXX  or National Credit Systems XXXX XXXX has had over 45 days to fix and to remove the false information for our credit report, but have fail to do so. On the XXXX has falsified information such as saying that we owe {$5000.00}, missing information about last payment date, Date of First Delinquency XXXX XXXX, XXXX. We have judgements in our favor against XXXX XXXX XXXX which shows that we was not evicted and do not owe them anything. I believe that XXXX have violated my rights under Fair Credit Reporting Act such as 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, 15 USC 1681e, 15 USC 1681g, 15 USC 1681h,15USC 1681i and much more.
Consumer complaint received 2023-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synter Resource Group, LLC. (CA)

I rented a XXXX truck from XXXX, CA, in XX/XX/2023. The order was created by XXXX XXXX and completed by XXXX XXXX, both of them didn't give me any information on insurance on the phone. I sent my studio assistant to pick up the truck and they gave me a reciept which has no signature by me or anyone at XXXX branch. I took the truck to XXXX XXXX, where its catalytic converter was stolen. I called XXXX 800 number and they asked me to take the truck to XXXX branch for a trcuk swap. 
In XXXX, I got an invoice from XXXX for {$13000.00} with just two days to pay the amount and a phone number for the XXXX XXXX branch for any questions. Both the XXXX and XXXX XXXX branch did not have any information on this when I called them and even suggested that it must have been a misunderstanding as they said its unheard of that XXXX charges the customer for this kind of theft. I was relieved and forgot about the incident. 
Five days ago, last week of XXXX, I got a phone call from XXXX XXXX from the company XXXX saying he is a collection agent and I have an unpaid bill from XXXX. I was frightened and horrified. I called both XXXX and XXXX XXXX branches again, and they found out that the XXXX branch was the one who sent out that bill. I spoke to someone named XXXX at XXXX who refused to hear me out and insisted that I pay the full amount. 
Meanwhile, I called XXXX company to find out if they are having similar catalytic converter thefts and if they are charging their customers. They said yes, they have had several thefts and they DONT chanrge their customers as the compamy has insurance for their vehicles. My concern is that the XXXX branch is trying to threaten me to pay the charges for something which Im not personally responsible ( unlike a vehicle collision ). 
I need some advice. I'm a struggling XXXX and I'm in no capacity to pay this charge. Thank you.
Consumer complaint received 2023-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I received a collection letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX on behalf of XXXX XXXX acct # XXXX. 

Thier Letter stated that I had 3 days to dispute which I did, I also requested a copy of the receipt/work order from date of installation. I received no reply and they reported it to Transunion Credit Reporting.

I disputed with Transunion, asking for the same documents and they replied it's my debt and no documents.
Consumer complaint received 2023-07-02
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: Experian Information Solutions Inc. (MS)

n 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.

I told the Experian, TXXXX, and XXXX to reinvestigate these accounts : Account name : Account Name : XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I have spent over an hour on a 2 different occasions waiting to get through to someone to cancel my credit reporting service with no success. On a whim, i called the number to get through to someone about starting the service and was connected in about 5 minutes. I even sent an email to the customer service email. 

I want to cancel my service as it is not needed or desired.