davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with this company 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 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.

This company 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Transunion, I am writing to bring to your immediate attention a matter of significant concern regarding my credit report, managed by your agency. Upon reviewing my credit report, I have identified several accounts that I believe have been reported in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681, 15 USC 1681c ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). The accounts in question are as follows : XXXX XXXX - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX - XXXX XXXX XXXX XXXX These accounts have either been reported without my express written permission, contain inaccuracies, or include adverse information that is outdated and thus should not be part of my consumer report. In accordance with the FCRA, I am formally requesting the immediate deletion of these accounts from my credit report. This action is necessary to correct the inaccuracies within my report and to restore my rights to privacy and confidentiality as mandated by federal law. I have taken the steps to document these discrepancies thoroughly and expect a swift resolution to this matter. According to FCRA guidelines, I understand that you have a legal obligation to investigate this dispute and provide me with a response within 30 days. Please consider this letter a formal dispute notice, and I request that you initiate the investigation process immediately. I am prepared to take further action, including seeking legal counsel and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), if these issues are not resolved promptly and satisfactorily. I appreciate your immediate attention to this urgent matter and expect to hear back from you with confirmation of the deletion of these accounts or, at the very least, an update on your investigation within the statutory timeframe. Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

Hello, Jefferson Capital Systems LLC has reported to the 3 credit bureaus that I owe {$4000.00}. All of the three credit bureaus were provided inaccurate information. I sent a debt validation letter to Jefferson Capital on XX/XX/2023. The FCRA gives the company 30 days to respond. However, I never received a response back. Jefferson Capital continued to report inaccurate information to all three credit bureau as of XX/XX/2023 without validating any ownership.
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

Hello good afternoon my name is XXXX and I was sent {$35.00} from the US at payment from a job I did. Eventually my friend sent me the money, and used the cash pickup method, I went to all the banks I knew had Western Union to cash out the money and I had my mtcn number with me the bank told me that Western Union service was down so I called my friend and then she canceled the transfer so she could send it another way she then found out that a transfer would take 7 days to arrive we have been waiting for over in months now and the refund has not been processed I do not know what to do and we have tried every means to contact them and she has evidence of that Western Union has blatantly refused to contact her in return or even give us information on how we can redeem.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-03-16
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (IN)

I had a Keybank debit card that was issued to me from Illinois XXXX XXXX XXXX XXXX ( XXXX  ) through Key2Benefits in XXXX. The card was never used because I signed up for direct deposits from the state for unemployment benefits. Apparently, the state sent my first unemployment payment of {$1800.00} to the card because I was sent a letter late summer of XXXX regarding unclaimed funds. It stated that if I filled out the letter with my information the money would be mailed to me in the form of a check within 90 days. I was unaware of unclaimed funds before the letter was issued and had discarded the card already, so I took the option of filling out the form and mailing it in. 

After 90 days I still received no check. When I called Keybank about the situation on XX/XX/XXXX, they stated that my account was closed on XX/XX/XXXX, the check had been mailed out in XX/XX/XXXX and I had not reached the 90 day limit yet which would be XX/XX/XXXX. Already this makes no sense but I called back XX/XX/XXXX after not receiving the check and they stated they couldn't do anything about it and the unemployment dept were responsible for it. When I spoke to the Illinois XXXX XXXX they stated that once the money is issued to a Keybank card, they have no access to it anymore and that I had to speak to Keybank about the issue. 

I've spoken to several Keybank agents, none of which were helpful or had an answer for my issue ( some even refusing to help and hanging up on me ) until I get to an agent that claims my account was closed XX/XX/XXXX and that the check will take another 90 days to be issued. This completely contradicts what I was told the week before and now they are asking me to wait another 90 days for a check that should have arrived over the summer. 

I made a complaint with the XXXX  and a XXXX XXXX XXXX, an employee at KeyBank, wrote me back stating the first agent I spoke to provided false information. She also stated that the funds were awaiting XXXX approval XX/XX/XXXX and the funds were received by XXXX XX/XX/XXXX and therefore I should contact them. I spoke to XXXX twice on XX/XX/XXXX and they had no record of what XXXX XXXX stated nor any funds that were supposed to be issued to me. They clearly stated multiple times that if the bank holds the money then it is their responsibility to return it. XXXX has no hand in the situation. Of course I was not satisfied with this but the XXXX  closed the case. I still haven't received my check and KeyBank continues to provide false information. So I am bringing the case here.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank ( Amazon ) has called my cell phone at least 30 times in the last XXXX days. Probably over XXXX times in the last month. I agreed to a buy out of my debt for 3 payments of {$47.00} over 3 months. I paid the first 2 on time and the third payment was returned as a N.S.F. due to a late XXXX XXXX payment to the checking account. When I attempted to pay the payment late they refused and reverted back to the original amount due and frequent phone calls. I offered to pay the last payment and again was refused. Now I get several calls a day from several different local phone numbers. I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX need to accept calls for medical needs and Synchrony Bank is on the other end. I had to quit answering the phone and let it go to voice mail. They call after their business hours so I cant speak to them at the time of the call anyway. They call 7 days a week, numerous times a day. 
Now the total amount due is {$270.00} with numerous late fees. My account ending in XXXX. Their contact number is XXXX.
Consumer complaint received 2024-07-22
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. (GA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (FL)

XXXX and Innovis continue to report incorrect names and addresses that do not belong to me. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX any other name or address is not correct and should be deleted to comply with federal law. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have paid membership with all XXXX of the major credit reporting agencies. And I filed a dispute with Equifax on an account by the name of XXXX XXXX XXXX. After the allotted investigation time of 30 days, the results was confirmed and I received notification that XXXX XXXX XXXX was removed from my account with Equifax on XX/XX/year>. I've logged into my account with Equifax serval times and verified XXXX XXXX XXXX was not being reporting on my Equifax account up to XX/XX/year>. Then on XX/XX/year>, Equifax reported XXXX XXXX XXXX back on my account with them as a new account. And it reduced my credit score XXXX to XXXX ( XXXX points ). 
I called Equifax and spoke with agent XXXX XXXX XXXX XXXX and asked for immediate correction. XXXX advised that she was a fraudulent representative for Equifax and filed another standard dispute on my behalf with a 30 day processing time. Which I strongly disagree with and believe that this should be corrected immediately. I'm attaching my before and after account summary with Equifax showing that XXXX XXXX XXXX was not on my Equifax account and then added in error by Equifax. Please have them too correct this immediately.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Under the doctrine of estoppel by silence, as established in XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I have not supplied proof. Therefore, I presume that proof of the alleged debt does not exist, and consequently, the debt itself does not exist.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WA)

PayPal is now issuing a " paper statement '' fee for {$1.00} PER MONTH. This is discriminatory as it requires 1 ) a printer and/or 2 ) digital storage. These letters have been emailed and sent by PayPal in the past couple of weeks.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

I have photos of all these scam charges in my heart I wanted to believe this was true but as soon as I realized I reported to PayPal right away. First they claimed I got half of the money back which was XXXX but then they told me yesterday it was redebited I have an old statement. With this credit balance but every time I called I have heard different stories all lies. I think they are worse than the scammers who take advantage of people. Terrible feeling and horror for me but they dont care at all.the account number I gave you was the old account where the disputes were made but they were still scams. My heart is breaking and I am horrified. I dont know the new account number by heart. But I hope they dont give you stiries I got it seems like half the money but nothing was ever credited to my new account all I have is the statement I sent you I I screen shorted I hope all the charges some say refunded or cancelled but was never refunded anything not by transferring to the new account a paper check absolutely nothing I also have concerns for even the one statement here says what it says I never had any of this back in my possession then they said the dispute did not go in my favor Im crying for if you look at all the XXXX  is more like over XXXX something. I just cant walk away from this. Also it seems strange they could not transfer the money they said I got back but means nothing since I never had it. I also think they are scamming me as bad as the scammers we cant let this test for it is too much money. Scammers are going to jail forever and they need to be but I need my money first. But when you contact the old account number is what you have .. they said it was closed but I dont believe that for how could you add or minus money from a account that doesnt exist. But according to the PayPal credit statement it says a credit of XXXX went into the account that was closed. Unless this statement was from the scammers but after the 5 bad charges according to that statement came off it says negative. This is all too crazy I can not talk to them anymore for it is always more lies and phony information
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Farrell Holdings, LLC (TX)

Since XXXX pac auto finance have been sharing my information with third party companies, I reached out to the company and they said they sold my information to a third party company named XXXX XXXX XXXX which should not have my private information without my knowledge or consent pac auto is responsible for this violation 5 USC 552 ( a ) ( 16 CFR 313.7 433.2-433.3 The privacy Act of XXXX restrictions against all companies sharing personal information including my social security number without my consent
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you as the holder of credit card account number XXXXXXXX XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.