davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (NJ)

My home mortgage was transferred from XXXX  XXXX to BSI financial services in early XXXX. I made my XXXX mortgage payment to XXXX XXXX  before I was notified about the loan servicer change. Shortly after I was notified, XXXX  XXXX confirmed that they would send my XXXX mortgage payment to BSI and BSI confirmed that they would mark my account to ensure it would not show as delinquent and BSI also informed me that there was a 60 day grace period on mortgage payments after a loan servicer change. Despite this, BSI has marked my account as delinquent and my credit score has dropped significantly as a result. Ive submitted a dispute with BSI, but they obviously do not have proper internal controls in place and thus are not following federal law. Please note that this is an issue with BSI, not with XXXX  XXXX. Ive had only positive experiences with XXXX  XXXX but BSI is clearly a second rate operation
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

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 2023-07-14
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: Experian Information Solutions Inc. (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Experian for Violation of FCRA Section 607 ( b ) Dear CFPB Team, I am writing to file a formal complaint against Experian for a violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which pertains to the requirement of reasonable procedures to assure maximum possible accuracy in credit reporting. 

On my Experian credit report dated XX/XX/year>, I noticed an entry under the Account Summary indicating that I have one account that has been reported as late. This information is false and misleading. To support my claim, I am attaching documentation of all my accounts listed on my report, which clearly shows that all my accounts are in good standing and that there are no late payments. 

I kindly request that the CFPB investigate this matter and compel Experian to correct this inaccurate information on my credit report. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2023-03-16
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Bank Credit XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Auto XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX Bank Credit XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Auto XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, My complaint is in regards to XXXX XXXX, this is the second time Ive had an issue with them. See prior complaint. I received a message from XXXX ( XXXX ) that my credit score had tanked tremendously. I checked my report and it was XXXX XXXX that reported me 30 days late. My account was paid off in XXXX of XXXX, therefore I didnt have a balance. I received a text text message that said I had a balance of XXXX cents and that it was late. Mind you, I paid off my account in XXXX of XXXX to a XXXX balance. I called XXXX with the number provided on their website several time, no answer. I sent messages via XXXX, no response and I emailed for the last couple of days and still no answer. I also noticed they deducted XXXX out of my bank account. This is insane. I really need assistance with getting my credit update to never late, as I have never been late and this account was paid off in XXXX. This company should be shut down for their fraudulent activities. They are ruining consumers lives with the way they handle their past customers and Im sure current ones as well. Please assist.
Consumer complaint received 2023-03-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OK)

Experian credit agency, improperly investigated my two Dispute. Both were from apartment complexs. That I could have not been living in at the same time. They didn't show me any documents stating I was in default with them both
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK (NV)

- A check book was sent to me from Discover- The checks were stolen from my mailbox before I received them- Somebody wrote a check to themselves using my checks for {$8900.00} - I only had ~ {$8500.00} in my checking account- Discover allowed this stolen check to be cashed despite the fact that my checking account had insufficient funds. Discover did not alert me prior to processing the transaction even though the amount was large, the signature could not have matched my signature, and it has been years since I used a check ( red flag ). 

- Discover charged me the difference between the amount of the check and the amount that I had in my checking account ( ~ {$350.00} ) in order to cover the insufficient funds- Discover has passed me around their customer service team for two days without any meaningful progress- Discover has been unwilling to apply a good-faith credit to my account for the {$8900.00} that was stolen while their investigation occurs
Consumer complaint received 2023-03-16
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. (ID)

I paid this account of on XX/XX/2023 and the company XXXX XXXX XXXX XXXX and XXXX XXXX was to report it two the three credit agencies but has not.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SANTANDER HOLDINGS USA, INC. (NH)

I am formally writing a complaint due to identity theft as I am XXXX ( by the federal government ) and collecting SSDI and I was taking advantage of by a woman in XXXX  and I am formally disputing the handling of my checking account closure and the subsequent fees charged to the account in XXXX. Because my only income is said I can not pay back this money especially when I dont owe this debt Specifically, my account was closed by Santander Bank due to a third-party individual ( perpetrators name is XXXX XXXX ) depositing a fraudulent check, of which I had no prior knowledge. ( I filed a police report back in XXXX  with the XXXXXXXX XXXX XXXX Police Department and I worked side-by-side with Santander fraud department. They had the name of the suspect XXXX XXXX ) I am a victim of ident and despite my cooperation with Santander, including filing a police report and following all necessary procedures, I was never notified of this deposit before my account was closed. I was subsequently sent a check for the remaining balance in my account. 

Despite the closure of my account, Santander continued to charge overdraft fees throughout the remainder of XXXX, amounting to over {$1500.00}. I believe these actions violate my rights under the Truth in Lending Act ( TILA ), as the fees applied to a closed account are unwarranted and unjustifiable. The only amount I ever owed Santander was {$200.00}, which I paid in XXXX  as part of the banks funds availability policy regarding deposited checks. Beyond this, I have no outstanding debt with Santander.

I am requesting a thorough investigation into this matter, as I believe Santander Bank has engaged in unfair practices by continuing to apply overdraft fees to a closed account, failing to provide clear communication, and unjustly reporting this information. Should this complaint not be addressed appropriately, I intend to pursue legal action for four years of financial hardship and emotional distress caused by these unwarranted actions. 

Please confirm receipt of this letter and provide an update regarding the investigation. I would appreciate a prompt resolution, as I intend to resolve this matter fully.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (VA)

CREDIT COLLECTION SERV XXXX {$300.00} XX/XX/year> The above listed account was wrongfully reported to my account I do not in fact owe Credit Collection Serv and would like this removed and deleted from my credit report as soon as possible.
Consumer complaint received 2024-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (SC)

Mohela continues to mishandle interest charges, charge interest during forbearance that is supposed to be interest free, and while on payment plans that are supposed to be interest free, misreport information to credit bureaus sometimes causing the student loans to be duplicated, have non-existent or completely incorrect information through customer service representatives, and be terrible at their jobs. This has harmed my XXXX XXXX multiple times, and the amounts they currently say I owe do not match reality.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (CO)

I opened a joint savings account for myself and my husband at Synchrony Bank in XX/XX/XXXX. For this account, I was able to complete required disclosures online. 

At that time, I also opened XXXX savings accounts for my minor children at Synchrony Bank. 

I was unable to open the children 's accounts online, so I had to call the bank. Because of this, the bank had to mail physical paper signature cards to me to sign on behalf of my children. 

I signed them and mailed them back in XXXX of XXXX. 

The cards were rejected because the scanner could not " see '' the teal ink of my pen. I was sent a letter that they didn't receive the signature cards, no other explanation. 

I uploaded new signature cards for each child to the Synchrony Bank website, as instructed by a telephone rep. The signature card for XXXX child was processed, but the other XXXX children were not processed. 

I received no indication that anything was wrong until I received XXXX for each child in XX/XX/XXXX that there was backup withholding being taken from the interest payments on their accounts. There was no indication of backup withholding on any of the children 's statements, and no letter or phone call ever alerted me that this was occurring. 

In late XXXX of XXXX, I began trying to solve the issue and get the backup withholding removed. After several phone calls, Synchrony Bank finally explained to me that the scanner that received the original signature cards for the children 's accounts did not detect the ink from my pen. I asked them to pull the original documents and re-scan them, and I was told that the signature cards are destroyed immediately upon scanning, so this could not be done. I was also told that the backup withholding had not been removed from my children 's accounts, and that they could not tell me why. I was asked to re-upload the signature cards for the XXXX children that were inexplicably not processed. 

I did that in XXXX of XXXX, and upon calling back on XX/XX/XXXX, was informed that the second set of signature cards did not have the correct naming convention printed on them ( DUE TO BANK ERROR ) and that they would need new signature cards from me... again... and that the backup withholding wouldn't be removed until they had them. 

In addition, I received XXXX letters in XX/XX/XXXX, addressed to the minor children ( not to me, the adult on the accounts ) that they needed substitute XXXX because Synchrony Bank XXXX XXXX their TINs were incorrect. Again, the children clearly can not sign these. 

Synchrony 's banking practices surrounding backup withholding are deceptive in that you receive no notice, can't get it corrected in a timely manner, and the statements give ABSOLUTELY NO INDICATION that it is occurring.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

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 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.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I am sending my CFPB complaint to inform you about the accounts that are still reported as late in my credit file. The current status should not be showing late because I paid it on time. The 3 Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts immediately : XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$910.00}.
Consumer complaint received 2024-10-28
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (WI)

Recently while checking my credit report, I found that I have been the victim of identity theft and found several inquiries that I have no knowledge. Here are the inquiries I found XXXX XXXX  XXXX, XXXX XXXX, Experian XXXX XXXX, XXXX, Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Please remove these fraudulent credit inquiries from my credit report, I've also attached a copy of my identitytheft.gov report.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

XXXX XXXX  charged me for a a a Checking account that was never use after I paid off the account I was told that account will be closed and would not go on chexsystems the account is now on chexsystems after being paid in full this account on chexsystems is stopping me from opening others bank account due to the false information still on my chexsystem account I would like to have this information removed off of my chexsystems account
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.