davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

I requested my JCPenney card statements from the last two years several times, this was done for legal purposes. I was told that I will receive them in 14 days. I never received my statements and I requested them again. I spoke to a manager from synchrony bank on a recorded line who stated that I would receive them but I still have not received any of them. I requested the same for the third time asking the company for an expedited delivery because I need them ASAP for legal purposes and they want me to wait 19 more days. That is imposible and it will affect me.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX XXXX XXXX cared number : XXXX Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX is reporting that I am late XXXX payments on my credit profile, however this account has been charged-off since 2016. For the last 6 years this account has been under a closed status with all reporting agency. XXXX is reporting this as an open and active account with XXXX late payments. I asked the XXXX of XXXX XXXX XXXX XXXX XXXX for all notices that were sent out 21 days in advance for each due date that is being reported late. I was told that they could not provide this information since this account was charge-off status there were no due dates published each month. By law it states : In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! 

XXXX XXXX has written this off as a profit and loss write off over XXXX years but says i'm late on payments this by law is wrong! They can not provide the required documents stated by law for a late payment to be reported as " late ''
Consumer complaint received 2024-10-10
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. (IL)

I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

This is an appeal of a decision made by Wells Fargo against me. I initiated a complaint several months ago stating that I was the victim of a predatory lending scheme and was told today by XXXX XXXX at Wells Fargo that my claim was denied and my case had been closed. No reason was given. I had previously tried to speak with XXXX XXXX but she did not return my calls. When she called to tell me that my claim was denied, I asked why she had not returned my calls. She stated that she was " too busy. '' I would like this matter to be re-opened and researched by a third party ( not Wells Fargo ). They have proven themselves to be unethical and unreliable and clearly can not conduct a fair investigation. I was not asked any questions by Wells Fargo during their so-called investigation. They unilaterally decided that I had no basis for a case. I respectfully request that my case be reopened and reexamined by a neutral third party. Thank you. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Due to the recent news that there's a likelihood that many individuals ' social security numbers were hacked and possibly in the possession of bad actors I wanted to freeze my credit file with Experian ; however, I was unable to login. It was not due to incorrect user name or password, but rather a modal popped up prompting me to call them for " Membership Support ''. I tried to call the phone number that was provided XXXX, b

ut was not routed to any human agent despite many efforts of pressing numbers on my number pad and trying to explain to the automated robot what I was needing assistance with. First I tried login issues- they automatically reset my password ( which I didn't ask for ) and even once I reset my password I again received the " Contact us for Membership Support ''. I tried to call again, this time opting for the " Membership '' but they gave me an unhelpful link. Eventually I was able to prompt them for " Freeze Credit '' hoping to speak to someone ; however, they automatically froze my credit without verifying my identity. This is especially concerning because if my SSN has been exposed to bad actors then anyone could freeze my credit and receive my PIN to unfreeze which essentially could be leveraged similarly to ransomware. This adds undue risk to consumers and requires reassessment.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

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

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-10-10
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. (PA)

The accounts listed below are fraudulent and are negatively impacting my credit report. I have reached out to the creditors on numerous occasions to request debt validation as well as a signed purchase agreement to show full ownership of the accounts and I have yet to be provided with any of that information from wither creditor. The creditors and the amounts reporting are : 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 I would also like for the following inquiries to be removed due to them being unauthorized and fraudulent. The inquiries are listed below : 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 2017-04-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HCFS Healthcare Financial Services of TeamHealth (MT)

was notified through my bank someone added a debt on my credit report. the agency that reported me is ARS ACCOUNT RESOLUTION. I 've never been notified by them, received mail or a call, I have no clue as to what this is for or why.
Consumer complaint received 2023-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BEAL FINANCIAL CORPORATION (TX)

I fell on a serious hardship and fell behind on my payment 1 month due to my child 's funeral expenses. My car is broken down, AC gone out in the home and other issues. I have no extra funds to get anything fixed. I reached out to this company in Prayer to get some assistance on resolutions that will be for long term fix. I sent in all paperwork, hardship letter everything they asked from me. I explained everything in the paperwork and application I submitted. This company over looked everything I stated in my hardship letter and denied me payment deferments, denied me to lower my interest rate and/or lower my monthly notes. Instead I was told to stop paying all my other bills so I could pay this one and to not have any emergency situations. I have no vehicle to get to work I have to pay someone to bring me back and forth our AC is out in our home and it is 100 + in Texas and miserable for my family to sleep at night. Instead of this company working with me to find a long term solution they offered me to pay 2 x the amount I am paying now which is over {$1000.00} a month. Why would you expect me to pay 2 x what I am paying now when I am in a hardship financial bind. This company does not care about the customer at all. They made it clear to me only thing they are worried about is making sure they get their money. This company makes is very hard to get any type of assistance when you need it and do not care about anything else you have to do. I been in my home for over 19 years and I tried going to another company to get away from this one and I am being told I have no equity in my home which is very fishy and I do not understand why nor the other company do not know what is going on at all either. Every year I am faced with the same situation and instead of this company helping me with a resolution that will be long term they are only wanting to raise my payments and put more financial bind on me every year for their own greed. This company is horrible no hearts no care. They are not willing to work out a solution for long term or want to participate in programs that are in place to help with mortgage payments. If any emergency arises from this hurricane season we are in I have no funds to fix my car no funds to use to get my family to a safe destination out of harms way. I will be faced with this same situation falling behind again due to the emergency. Where is the help and concern for the customer.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three CRA.
Consumer complaint received 2021-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NY)

I was misled by a XXXX XXXX rep that if I did a wire transfer from my XXXX XXXX account online profile to my cash app checking account that I would receive my funds instantly. However after submitting my wire transfer of {$250.00} from XXXX XXXX Unemployment Prepaid Checking account to my cash app account on Thursday XX/XX/2021, my funds are still not available to me on cash app account on Friday XX/XX/2021. 

Also I have a refund for The XXXX XXXXXXXX XXXX XXXX for a hotel reservation that I booked and canceled on Tuesday XX/XX/2021 in the amount of {$120.00} that was suppose to have been refunded to My XXXX XXXX Unemployment prepaid card has not been issued. I spoke with XXXXXXXX XXXX numerous times they have informed me that this hold along with 2 others will not released or added back to my account until a month for now. 

XXXX XXXX refuses to help me cancel the wire transfer of {$250.00} dispise the fact that I was misinformed hot to obtain my money instantly by one of there employees.
Consumer complaint received 2024-09-18
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. (FL)

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.

Dept of EDXXXX : Account # XXXX Dept of EDXXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX Source Receivables Managment : Account # XXXX has violated my rights. 


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 an 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 2021-07-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (OH)

On XX/XX/2021 I noticed that funds were transferred from my XXXX Account to my Cash App-Square Account-XXXX XXXX. These two transfers occurred very close together time wise. I was able to disable the car that was linked to this account. At the time this appeared to be the route to mitigate any possible damages that may occur with unauthorized use of such accounts. On XXXX XXXX I spent nearly 4 hours making phone calls, sending emails, and researching some way to contact the party to whom it is necessary to speak with when such activities are occurring. Some time during this extended time trying to contact said organization, the card was un-disabled. 

It was my hopes in such a frantic attempt to directly communicate with such appropriate persons -- TO MITIGATE ANY AND ALL POSSIBLE LIABILITY associated with this incident. I also attempted to contact appropriate persons via the aforemematioend ways during the following 8 days. I WAS NEVER ABLE TO SPEAK WITH OR DIRECTLY COMMUNICATE WITH ANY SUCH PERSONS. The only option that was avail was to submit issue via the transaction log via the app. No confirmation email was given at such time. I was never followed up with. The case auto closed in 3 days. The resulting funds that were transferred into this account were used through a series of unauthorized transactions that occurred over the next few days. Such authorized transactions have been attached to this complaint. 

Said organization have violated ( but certainly not limited to ) Regulation e andf z of the Electronic Fund Transfer Act and the Truth in Lending Act, respectively. The aforementioned provides a process for such occurances, These processes are such that such institutions MUST FOLLOW them, or otherwise be in violation. Not only did said institutions not follow such processes they did not even give such reasonable access to such processes.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank tried pulling my credit on two different occasions that hurt my credit. I never applied for credit through Chase bank in the past few years. I want these removed from my credit report. Someone must have stolen my identity. I am looking into how to fix that too. 

JPMCB CARD Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Hard inquiries JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXX On record untilXX/XX/2025