davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My accounts 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 to be removed/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. 

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!
Consumer complaint received 2020-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage loan was purchased from XXXX  XXXX XXXX by Select Portfolio Servicing XXXX Inc., out of XXXX XXXX XXXX, Utah. I was notified by mail by XXXX, but notification was sent to the wrong address. I contacted XXXX when mortgage money hadn't been taken out of my account ( automatically ) by the end of the month ( due the XXXX ). I was told by XXXX that I had a two month " grace period '' to pay the new mortgage holder. I paid SPS two month 's mortgage, before the XXXX of the month the following month, as it took a week or so to obtain SPS 's mailing address, my new account number, etc. At that time the mortgage payment was {$1500.00}. Before any type of rate hike happened by the Federal Reserve, SPS raised my payment amount to {$1600.00}. When I called SPS for an explanation, I was told it was their prerogative as I had paid my mortgage ( 2 month 's worth ) after the first of the month ( but before the payment was late on the XXXX? ). Moreover, every month upon receiving my statement, SPS indicates that what I owe is {$3200.00} XXXX charging me interest on this larger amount rather than the {$1600.00} - the amount I really owe ). This additional principal balance is what I am being charged interest on, and they add this additional {$1600.00} principal balance on the XXXX of the month - two days before the payment would actually be late. If you look at my monthly statements, although they show this {$3200.00}, there never is any late charges because I am never late paying the mortgage amount of {$1600.00} XXXX which again, should be {$1500.00}, not their arbitrary amount of {$1600.00} XXXX. SPS also attempted to charge me PMI, although this loan is a land loan ( and I also have my own private insurance on the property ). SPS simply won't remove this additional {$1600.00} XXXX for a total of {$3200.00} XXXX from my monthly principal balance owed, and again, are charging me a higher amount of interest each month for this inflated {$3200.00} balance they put on my statement each month. I would appreciate some help in getting my payment amount of {$1500.00} reinstated, and reimbursement for the additional interest amount they are charging me each month by doubling my payment amount on each statement ( again, my payment has never been late ). Further, I want reimbursement for the additional amount that SPS is charging me each month - from the {$1500.00} my payment amount is supposed to be to the arbitrary amount SPS is now charging me of {$1600.00}. Please note, again, at the time SPS raised my payment amount from {$1500.00} to {$1600.00}, there had been no rate hike by the Federal Reserve.
Consumer complaint received 2023-07-21
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. (WI)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (PA)

I have carefully reviewed the information provided in the letter regarding the CFPB inquiry for the account of XXXX XXXX XXXX. Based on my analysis of the relevant case law, I would like to dispute several aspects of the response provided by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

Firstly, the letter states that the account originated with XXXX XXXX, XXXX. on XX/XX/XXXX, and was subsequently charged off on XX/XX/XXXX with a balance of {$9800.00}. However, according to the case law established in Buchanan v. Northland Group , Inc., 776 F.3d 393 ( 6th Cir. 2015 ), the statute of limitations for collecting on a charged-off debt may be significantly shorter than the original contract period. Depending on the applicable state law, the statute of limitations could be as short as three years from the date of charge-off. If the current owner, XXXX XXXX XXXX, acquired the account after the expiration of the statute of limitations, they may not have a valid legal claim to collect on the debt.

Secondly, the letter states that the current owner, XXXX XXXX XXXX, is not currently reporting the account to the credit bureaus. However, according to the case law established in XXXX XXXX XXXX XXXX XXXX XXXX, 53 F.3d 708 ( 5th Cir. 1995 ), a debt collector 's failure to report a debt to credit bureaus may be considered a deceptive or unfair practice under the Fair Debt Collection Practices Act ( FDCPA ). If XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have chosen not to report the debt to credit bureaus, they may be in violation of the FDCPA.

Lastly, the letter states that the current owner, XXXX XXXX XXXX, acquired all ownership rights, including the rights to collect on the account and to report to the credit bureaus, if eligible. However, the case law established in Henson v. Santander Consumer USA Inc., 137 S. Ct. 1718 ( 2017 ), suggests that the mere purchase of a debt does not automatically confer the status of " debt collector '' under the FDCPA. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may need to provide additional evidence to demonstrate that they have the legal authority to collect on this debt and report it to credit bureaus.

In conclusion, based on the relevant case law, I believe there are several potential issues with the response provided by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that should be further investigated.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-02
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-02
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)

Upon reviewing my credit report, I found a inaccuracy. The 3 credit bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting account as unverified information without providing any proof within the legally mandated timeframe. The account must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2020-01-04
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: SYNCHRONY FINANCIAL (FL)

Around two years ago Wal Mart was promoting their credit card owned by Synchrony Bank. I was to get {$25.00} worth of free groceries from Wal Mart for signing up for their Wal Mart credit card. I think it was Master Card. I bought {$23.00} worth of free food that day. They billed me {$23.00} for my free groceries. I challenged the bill and was told that it was for {$25.00} of free food so I had to pay for the {$23.00} charge. I was told I needed to get {$25.00} worth of free food at one time and not go back for the remaining amount. Nobody told me I must purchase the entire amount at one time. My challenge lasted several months and they wanted interest on the {$23.00}. This lasted a few more months and they dropped the interest and I paid the {$23.00}. 

Either Wal Mart or Synchrony Bank notified the three credit companies that this matter took over 120 days. The young man I talked with did mention that I did pay off the amount they billed and I was told that it wouldnt impact my credit score which was around 700 something, and it wouldnt be put on my credit record because I paid the bill. I talked with him several people over a couple of months. Then the problem was put on my credit record as paid with over 120 days. Somebody lied to me. My credit score is around XXXX. 

Wal Mart does not use Synchrony Bank any more. I can not get through the endless voicemails at Synchrony Bank. I discontinued their credit card immediately.

Wal Mart does not know where to send me. 
There is no way I can resolve this matter.
Consumer complaint received 2024-08-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AL)

I have sent three debt validation letters to national credit systems in regards to a supposed debt from XXXX XXXX XXXX. I sent the first letter via certified mail to a address on file XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/year> it was returned to me on XX/XX/year> saying address not known i then called national credit systems and asked for a correct address and they provided me with two known addresses. I then sent a debt validation letter via certified mail to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> and they received the letter on XX/XX/year> I also sent a letter to XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/year> and they received the letter on XX/XX/year>. These were the two addresses provided to me by National credit systems but i still received no corresponding letter from them validating my debt.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

synchrony bank unilaterally decided to close my paypal mastercard. they provided no reason other than to say " they found my spending and payments suspicious ''. this despite having the cards for years, always paying my balance in full each and every month, and making valid purchases and payments regularly and often. the generic closure letter was a violation of due process. 

despite my disagreement with the closure of the card, they refused to reinstate me. the card had also accrued over {$300.00} in cash back rewards at time of closure and synchrony bank REFUSED to send me a check for the {$300.00} cash that i earned. they refused to transfer the {$300.00} to my paypal balance. I earned the {$300.00} for legitimate purchases and on time payments. Synchrony has no basis to withhold rightfully acrued cash back for a customer and should release them to me at once.
Consumer complaint received 2024-09-14
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. (PA)

When I first purchase my time share back on XX/XX/XXXX I asked if this Time Share was apart of credit. I was told No. I was explained that because I choose the package base on what I could afford for my monthly payment that this had nothing to do with my credit. I was told that as long as I made my payments my balance would decrease. I continued to make my payments up to XX/XX/XXXX until I realized that all the money I had paid never decreased my balance. I Met with a representative on XXXX and explained to them that I was not interested in the time share based on there misrepresentation on there behalf. I was asked to sign a Document which I declined I was then shown documents that showed a very high interest and was told that's why my balance never decreased. I was told that they would help me but all they did was pull my credit with out my consent offering me a different property. since then I stop making payments because from XXXX to XXXX My time shared should have been paid off. I am a victim of fraud I was told lies to purchase the time share and once I made them aware of their fraudulent acts they started to report negative on my credit report. I receive six calls a in total on both of my phone numbers from this company. I stopped answering their calls because I was threaten that if I didn't pay that this would only effect my credit. I asked for ways to close this account because of their false representation. All they offered was higher packages in different locations. This has a been a nightmare and has had a horrible impact on my credit. They Lied to me to get me to purchase this Time share I didn't figure out the truth to years later when i knew it should have been paid off and that they had pulled my credit to get me approved for the package that i choose. Every time I stay at the time share I was told that I owned i had to pay {$500.00} to {$1000.00} to stay there. So I paid a Mortgage and I paid to rent when i stayed this is Fraud.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Name : XXXX XXXX XXXX : XX/XX/year> Last XXXX SS : XXXX Account : XXXX XXXX XXXX XXXX XXXX  XXXX Upon reviewing my credit file/report I noticed that there were some unauthorized hard inquiries on my account. I Contacted the fraud department of the credit reporting angencies and inform them. I was told that the items will not be disputed and to contact the companies. I inform the representatives that i tried to resolve the issue month ago. I was dismissed with no help or remedy for these unauthorized and unverified inquires. I imformed them that if these are unauthorized then they are not accurately reporting my credit history. I was treated discourteously and requested to speak with a supervisor. I was told ill be contacted in XXXX to XXXX hours.
Consumer complaint received 2024-09-08
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Genesis Credit Management LLC XXXX XXXX XXXX XXXX, WA XXXX Subject : Formal Demand for Removal of Collection Account from Credit Report Dear Genesis Credit Management LLC, I am writing to formally demand the immediate removal of the collection account referenced below from my credit report. This letter serves as a follow-up to a complaint I filed with the Consumer Financial Protection Bureau XXXX CFPB ) on XXXX XXXX XXXX  regarding your continued reporting of this debt in violation of the Fair Debt Collection Practices Act ( FDCPA ). The CFPB complaint number is XXXX 

XXXXAccount Information XXXX XXXX XXXX Account Number : XXXX - Amount : {$6100.00} As stated in my previous communication, under section 805 ( c ) of the FDCPA, once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease communication, the debt collector must immediately cease all communication, including reporting the debt to credit reporting agencies. The only permissible exceptions to this rule are : XXXX. Advising the consumer that the debt collectors efforts are being terminated ; 2. Notifying the consumer that the debt collector or creditor may invoke specific remedies ordinarily invoked by such debt collectors or creditors ; 3. Where applicable, notifying the consumer that the debt collector or creditor intends to invoke a specific remedy. 

To date, I have not received any such notifications. Despite my prior request and the complaint filed with the CFPB, Genesis Credit Management LLC continues to report this account to credit reporting agencies, which is a clear violation of the FDCPA. 

I demand that you immediately remove this account from all credit reporting agencies and cease any further communication regarding this debt. Failure to comply will result in further legal action, including, but not limited to, escalating my complaint with the CFPB and seeking damages for continued violations of my rights under the FDCPA. 

I expect written confirmation of the account 's removal from my credit report within 15 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NJ)

Im unaware of this debt, i didnt have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send me the certified receipt with my signature on there stating i received it. 

According to complaint XXXX. Company stated account would be close.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (TX)

Dear CFPB, I applied online and was approved for a Citi XXXX XXXX card in XX/XX/XXXX XXXX 

However, after the card supposedly shipped, the website said it could not be delivered, and I never received the card. 

After several emails and phone calls to Citi customer service, being transferred and hung up on repeatedly, and giving them my mailing address again multiple times, I still never received the card. 

As of XX/XX/, I still do not have the card I was approved for, and I would like to report Citi for fraudulent business practices and possible harm to my credit score. 

Thank you. 

XXXX XXXX
Consumer complaint received 2024-09-14
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 PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.