davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My account with XXXX XXXX  and i 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.

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 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/year>, I made my mortgage payment using XXXX XXXX XXXXXXXX 's portal. However it shows that it wasn't paid. I contacted XXXX XXXX XXXXXXXX and they acknowledge that payment was made. For some reason, the payment reverted. So I contacted Navy Federal and they said the money was in my account at the time of the payment and days after. Navy Federal couldn't figure out why they didn't make that mortgage payment.
Consumer complaint received 2023-12-10
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.
Consumer complaint received 2024-06-04
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)

I reviewed a copy of my Credit Report and saw that there was a Fraudulent Collection Account reporting on my XXXX and Equifax Credit reports. This Collection account is being reported by XXXX XXXX XXXX in the amount of {$1600.00}. I filed an FTC Identity Theft Report in which I attached to this CFPB Report. 

XXXX XXXX XXXX Account Opened on XX/XX/2024 Amount : {$1600.00}
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (RI)

I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 


XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (RI)

I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 


XXXX  - Inquiry Date : XX/XX/XXXX Globallend - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-05-30
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. (MS)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-09-14
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 (ME)

The servicing of my loan was transferred from NewRez to Shellpoint. We have been unsuccessful in many attempts to get information about sending our mortgage payments to Shellpoint. Shellpoint 's website says we should use our NewRez log-in and password to sign-in, but our log-in and password do not work on the Shellpoint website. I then tried to create a new account on Shellpoint. Shellpoint rejected the new account with a message saying I already have an account. For XXXX days we have been calling Shellpoint, but the calls do not connect. We have never missed a mortgage payment but are worried we might if we can not set up payments to Shellpoint. Thank you for your help.
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

On XX/XX/2023 I wrote letters to multiply debt collectors LNLV FUNDING LLC, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-
Consumer complaint received 2024-06-15
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX Bank is reporting a charged-off account on my credit report. 

This account has a balance of XXXX showing on all XXXX credit reports when in fact they have issued a 1099-C for this debt and cancelled it. 

The XXXX balance is showing as existing revolving debt on all XXXX credit reports and preventing me from securing a home loan. 

The balance on this account should show a XXXX ( zero ) balance as the have cancelled the debt as shown on the 1099-C sent to me. 

I spoke with XXXX and they will not correct it as they state they are reporting it correctly when in fact they are not. 

In box 6 they have code G and the 1099-C States " CANCELLATION OF DEBT '' I called to make a payment and they will not accept any money but continue to report this with an open balance.
Consumer complaint received 2023-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (FL)

ACCOUNT NAME CREDIT COLLECTION SERV Account : XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I received notification from XXXX XXXX about a large purchase at XXXX on one of my credit cards. I immediately noticed my wallet was missing. So I began frantically calling my card carriers to freeze my accounts. I contacted XXXX XXXX, whom I have a debit card with, at XXXX XX/XX/XXXX. I spoke with a woman, I stated my card was stolen. We went over my purchase history, changed my home address and I believed the card was frozen and a new card was sent out to me. I was on the line for approximately 10 mins. Shortly after reviewing my account I saw 2 charges from XXXX on my Navy Federal card. I quickly called Navy Federal at XXXX, spoke with a gentlemen who said he noticed I was being sent a new card and was going to review the two fraudulent transactions. Sending me a case note in my email. Husband calls Navy Federal in the evening asking why those charges that apparently happened at XXXX even went through considering I was already off the phone with Navy Federal believing my card was frozen. It was stated by a superior at Navy Federal that they claimed I only contacted them after XXXX and the card was frozen at XXXX. We asked for transcripts of the calls and they stated only police could subpoena those calls. Considering the card shouldve been frozen before those charges were made. I lost over {$1300.00} in less than an hour with Navy Federal and to know two large purchases of $ XXXX and $ XXXX were approved at a store I dont even shop at has me reeling. I cried to the man because this is the scariest thing that has ever happened to me. I reported a card stolen was sent a new one but the card was never frozen? And I get penalized and have to wait up to 45 days for the money back or resolution to my case.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Item in dispute : XXXX XXXX XXXX  mortgage, account number : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Mortgage payments Dates associated with item being disputed : XXXX  XX/XX/2023 Explanation of item being disputed : The mortgage bank increased my payment due to an escrow increase. I didnt receive notification of the increase so for two months my automated payment was short for a total of XXXX dollars, which I paid immediately upon discovery of the shortage. After numerous phone calls with XXXX XXXX XXXX, the said that that the phone number that had for me was wrong. It was a phone number that Ive never heard of and not close to any existing number Ive ever had ( I have the phone recording ). On the phone call, which I have recorded, they stated that they were wrong and it shouldnt have been reported for an escrow shortage. I have made my payments via billpay XXXX XXXX  XXXX XXXX ) every month without exception. My XXXX XXXX XXXX history bank printout is attached.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I discovered that there was a TJMax card taken out in my name in XXXX of XXXX. The charges were XXXX on XX/XX/XXXX. I called the company and closed the card and I reported to the 3 credit bureaus. There is currently an investigation going on. However, the company allowed the person who committed fraud to make a payment to be made. 

The payment came out of my fathers checking account. This company has not helped with this situation and hasn't locked the account so that no further payments will be made.
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

I dont know the specific dates for the past occurrences but its happened 4-5 times since XXXX where I am trading strike options on crypto.com, there is a glitch with their platform system. Most recently was yesterday XX/XX/year>. I was trying to sell my contracts while they were in the money but every time I went to close out my position, the system would not let me close out and my contracts dropped to XXXX and I lose all the money. The glitch locks the option contracts in a way where you can not sell them. Otherwise these trades would have been profitable and I would not lose any money at all. I am an experienced options trader and use this platform to earn extra cash but instead I lose it because of the issues with their apps XXXX and overall function failing to execute the simple of requests. They continue to keep saying they will help and fix the problem but its been happening since XXXX. I have talked to numerous specialists and the all failed to address the problem properly and as soon as I send them messages and evidence of this happening they completely close off the conversation and send me troubleshooting tips which do nothing to fix the problem. The continue to push things along as if they will do nothing to compensate me for system malfunction that is not my fault. I rely on everything functioning properly when trading and this is the only platform where I had something like this happen. My phone is brand new XXXX XXXX, up to date, the crypto.com app is up to date. And the weirdest thing is this Ive been trading their strike options with the take profit tool to minimize risk. Set a sell price and I should sell when the your sell price cross the threshold. Every trader uses tools like this to minimize risk. Ive been using the take profit tool on the crypto.com app. Used take profit this week on Monday, Tuesday, no issues. The tool was there appearing as a selection in the contract details as usual. Then yesterday, Wednesday XX/XX/year>, I was happy because I was about to see my trade hit its sell price for take profit of {$4.00} per contract. It hit the sell and fluctuated up and down around my sell price. I thought this is odd I have never had a trade NOT sell when it hits my target take profit using this take profit tool for crypto.com strike options. Try to turn off the take profit and it wouldnt turn off. Tryed close position big button. Nope contracts still not selling. Tryed turning my phone on and off nope didnt work. Tryed deleting their app and redownloading nope didnt work. All the while Im watching my contacts lose more and more value until finally the timer on the contracts are up and my contacts are worthless. This same senario has happened 4-5 times since XXXX when they released strike options on the crypto.com platform. Idk who else to get in touch with at this point besides you guys.
Consumer complaint received 2022-01-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX already agree that they will delete it from all credit bureau and for some reason they are miss-reporting
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MI)

i will use XXXX XXXX  and after i use XXXX XXXX XXXX from my pnc bank account i will check my account and see the money is immediately debited from my checking account showing the new balance, yet days later the same amount is deducted from my account. this has happened a lot and all pnc can tell me is that its because the merchant may not take the money i spent until days later which makes no sense that the funds are deducted from my account again days later. i have a XXXXXXXX XXXX  account also anXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  using their bank this never happens, it will show the funds are on hold and the funds are never deducted again days later. i used my pnc account on the XXXX of XX/XX/year> and on the 1st my banl account when into negative due to the same money i used on the XXXX was deducted again. pnc has no logical explanation for this. theres something wrong with their computer system or something, this has happened many times with pnc bank and now i know ive been getting ripped off. i want pnc bank investigated and my records pulled and gone over by a private accounting firm to see pnc is ripping people off due to some reason either clerical or computer errors. pnc owes me thousands of dollars
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

Equifax is reporting an account in which I asked that they validate by providing to me the original contract with my signature and payment history of the account in which I have disputed to a third party collecting agency. I demanded a reinvestigation and have gotten no response.
Consumer complaint received 2024-06-15
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: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding the incomplete and inaccurate investigation conducted by [ Credit Reporting Agency Name ] into several accounts on my credit report. These accounts include a third-party collection account, an eviction account, and a student loan account with inaccurate payment history. Despite my attempts to rectify these issues through the proper dispute process, the responses from the credit reporting agency have been inadequate and have failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements. 

Issues Third-Party Collection Account : The third-party collection account listed on my credit report is inaccurate. Despite submitting a detailed dispute, including supporting documentation that proves the debt was paid in full and should not be listed as a collection account, the credit reporting agency failed to correct the information. This violates the FCRA, which mandates the accuracy and completeness of reported information under Section XXXX ( a ) ( XXXX ) ( A ). 

Eviction Account : The eviction account listed on my credit report contains several inaccuracies, including the dates and amounts owed. I provided evidence demonstrating these inaccuracies, yet the credit reporting agency did not perform a thorough investigation, as required by FCRA Section XXXX ( a ) ( XXXX ). Their failure to correct or remove the inaccurate information demonstrates non-compliance with the FCRAs standards for accuracy and completeness. 

Student Loan Account : The student loan account on my credit report shows an inaccurate payment history. Specifically, it incorrectly lists late payments for months when payments were made on time. Despite providing bank statements and other evidence to support my dispute, the credit reporting agency did not correct the inaccuracies. This oversight is a violation of FCRA Section XXXX ( a ) ( XXXX ) ( A ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information. 

Relevant FCRA Statutes Section XXXX ( a ) ( XXXX ) ( A ) : This section mandates that credit reporting agencies must conduct a reasonable investigation into disputed information and ensure its accuracy and completeness. 
Section XXXX ( a ) ( XXXX ) : This section requires that the credit reporting agency notify the furnisher of the disputed information and that both entities must investigate and report the results back to the consumer. 
Impact The inaccurate information on my credit report has significantly affected my creditworthiness, leading to higher interest rates on loans and difficulties in obtaining new credit. It is essential that credit reporting agencies adhere to the FCRAs guidelines to ensure the information reported is both accurate and complete.