davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with EXPERIAN 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.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Collection Agency for Violation of 12 CFR 1006.34 and 15 USC 1681s-2 Dear Sir/ Madam, I am writing to file a formal complaint against Complete Credit Solution for violating my consumer rights as outlined under federal laws, specifically 12 CFR 1006.34 and 15 USC 1681s-2.

The violations I have experienced are as follows : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency had failed to provide the necessary Validation information for the debt in question. Despite this, they have reported this collection to the consumer reporting agencies, which is unlawful. I have not received any notice or disclosure of this information.

2. Lack of Opportunity to Dispute the Account ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I was not given reasonable to dispute the alleged debt. The collection agency has not sent me any communication that allows me to exercise my right to dispute the debt in accordance with the law.

3. Use of False, Misleading and Deceptive Means : The collection agency is using false, misleading, and deceptive means to collect this debt, which further violates my consumer rights under federal regulations. Their actions are both misrepresentative and harmful to my credit and financial reputation.

4. Violation of Authority to Furnish Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 1681s-2 ) : The collection agency is furnishing information to consumer reporting agencies without providing the necessary disclosure as required by law. This is a direct Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ), which prohibits furnishing any accounts information without following the proper procedures. Thank you for your attention to this matter. 

Please fell free to contact me if need further information. 

sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (OR)

In XXXX XXXX XXXX XXXX XXXX having already been a victim of identity that ; a fraudulent Chime account was discovered. At that time contacted the identity theft recovery service, XXXX and engaged in recovery process with an agent. 
Chime was notified by US postal mail to its supporting bank, XXXX XXXX  on XXXX. XXXX XXXX  confirmed that the fraudulent account was being handled by the other partner bank, XXXX and advised directing request to XXXX. This correspondence was received XX/XX/XXXX. That same day an identity theft packet was sent by US postal mail to XXXX for Chime. Subsequently requests were also mailed on XX/XX/XXXX and XX/XX/XXXX. None of these were responded to by XXXX or Chime. 

Chime through its partner bank XXXX has willfully failed to assist a victim of identity theft who has provided it a police report, notarized victim affidavit, proof of ID, SSN, and address in violation of state and federal laws.
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IL)

I am submitting this complaint regarding U.S. Bank 's inaccurate reporting of my mortgage account as delinquent, which has caused significant damage to my credit score. 

I was approved for a XXXX XXXX XXXX XXXX ) forbearance plan by U.S. Bank starting in XX/XX/XXXX, due to financial hardship. This forbearance plan covered the months from XX/XX/XXXXXXXX XXXX XXXX through XX/XX/XXXX. I was not required to make mortgage payments during this time as per the terms of the forbearance. 

However, despite this approved forbearance, U.S. Bank has reported my account as 180 days delinquent as of XX/XX/XXXXXXXX XXXX XXXX for the payment due on XX/XX/XXXX. This delinquency reporting is inaccurate because I was not obligated to make that payment under the forbearance agreement. My account was protected under the forbearance, and therefore no payments were missed during this period. 

As a result of this incorrect reporting, my credit score dropped drastically by XXXX pointsfrom XXXX to XXXX. This has had a severe negative impact on my ability to access credit, undermining my financial stability during a time when I am working to recover from previous hardships. 

I have already communicated with U.S. Bank and requested that they correct the credit reporting. Unfortunately, they have refused to amend the reported delinquency, despite the fact that I was under a valid forbearance plan. Their response fails to acknowledge that the delinquency is a misrepresentation of the facts, as I was not required to make the payments they are reporting as past due. 

I request that the Consumer Financial Protection Bureau investigate this matter and require U.S. Bank to correct the credit reporting to accurately reflect that I did not miss any payments during the forbearance period. It is essential that this incorrect delinquency be removed from my credit report to restore my credit score and financial standing. 

Thank you for your assistance in resolving this issue.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

remove these items off my experian credit report Dear Experian, I am writing to formally dispute several items on my credit report that I believe are inaccurate and negatively affecting my credit score.

I have noticed that the following outdated accounts keep reappearing on my report, despite being too old to be reported : balance XXXX ( doesnt even display an account number how old it is ) balance XXXX ( doesnt even display an account number how old it is ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I would like to address several unauthorized inquiries that have recently appeared on my report : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report as they may be impacting my creditworthiness.

I would appreciate your prompt attention to this matter and request that you investigate these discrepancies as soon as possible. Please let me know if you need any further information from my end.

Thank you for your assistance.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/year> there was a breaking into the apartment and there were multiple items that were stolen electronics such XXXX XXXX  bag I watch XXXX, clothes, jewelry, backpack, watches over {$6000.00} in value. I have a police report and an amended police report, USAA has failed to finalize my claim. They have been misleaded me, been deceptive and unfair. 
I feel that I been discriminated due to either my name and I also feel like I been treated like a criminal by USAA, they have taken XXXX recorded statements and they have everything they have asked for. I spoke to supervisor XXXX and he was Not helpful. I have left several voice mails in 1 day, emailed and message thru the app how ever the underwriter is being negligent with my name and giving me a hard time to pay it out as this a legit claim, this has caused me personal stressed, I Am frustrated and just want this claim to be finalized. It has also taken a toll on me financially. USAA has misleaded me and havent been transparent with me. I have been a member for 8 years.
Consumer complaint received 2024-09-12
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. (NC)

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 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

Our home was lost to a flood XXXX XXXX, we were in disaster foreberance, and according to cares act could not be taken out, our Mortgage account was to have a reporting freeze. However on XXXX and XXXX of 2024 they reported delinquent. We submitted for a reversal. With the documents we had stating do not report. They agreed to the reversal on XX/XX/year>, to date no agency had received the letter that they said they sent, we have filed one credit dispute to repair experience and now are working another with XXXX, XXXX states they never received the letter from Penny Mac. I called Penny Mac on XX/XX/XXXX to confirm they said sent on XX/XX/XXXX. I have lengthy emails and documents to substantiate my claim.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

remove these items off my experian credit report Dear Experian, I am writing to formally dispute several items on my credit report that I believe are inaccurate and negatively affecting my credit score.

I have noticed that the following outdated accounts keep reappearing on my report, despite being too old to be reported : balance XXXX ( doesnt even display an account number how old it is ) balance XXXX ( doesnt even display an account number how old it is ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I would like to address several unauthorized inquiries that have recently appeared on my report : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report as they may be impacting my creditworthiness.

I would appreciate your prompt attention to this matter and request that you investigate these discrepancies as soon as possible. Please let me know if you need any further information from my end.

Thank you for your assistance.
Consumer complaint received 2024-09-04
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

My account got hacked on XX/XX/year>, when my account 's primary email address was fraudulently changed to " XXXX '' & my physical home address was fraudulently changed to " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ''. 

Along with these fraudulent changes, there were 2 transactions processed to " XXXX XXXX '' same date & time when those fraudulent changes were made. 

I had reported all of the activities, and by today XX/XX/year>, I am getting an email that my account has been permanently restricted. 

This feels really disheartening as I was very new to PayPal and your platform has made me feel ashamed of myself without any solid reasoning. 

Can somebody please please help?
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was enrolled in school when they reported my account. The account was paid in full, and it is too old to report on my account. It is against the law to report things on a person 's credit report that is false.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo XXXX  card automated monthly payment is set up to defraud customers. You can not set for payment date before last payment date. 

When you chose to pay the full last statement balance, the amount paid is ONLY the minimum amount, which is {$25.00}. 

The verification page on the system is that an authorized amount from {$25.00} to your last statement balance. Rather than the full last statements balance. 

Since you can not set to pay earlier, it is too late when you find out that only {$25.00} is charged, thus you incur interest on the balance. 

The system is set up to defraud customers, and XXXX users indicated that it happened to them again and again. Some 8 times before they fix it. Some noted it only on the first payment. 

Since I did not trust them, I always made payment earlier. Except this last time I wanted to test them, and sure enough, only {$25.00} was charged despite the request to pay full last balance. 

They are not doing this consistently, but sporadically. 

They would not change my payment date to few days earlier. Only offered to turn my autopay option off. 

This company set up their interface to fool customers. They force you to wait until the last day, they give you a vague amount in a range {$25.00} to balance amount instead of full amount. They denied that it is fraud. They have no intention to fix it even though it is widely reported months ago.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (IN)

Bridgecrest repossessed my car, fraudulently reported information to my credit report WITHOUT my WRITTEN and VERBAL permission. 
The company has since written the loan off as a profit loss and recouped their money and they have failed to provide me with a 1099-c. Bridgecrest took advantage of a tax break and still continue to fraudently claim that I owe a balance, while the car has been sold again.

Bridgecrest is incorrectly and unlawfully reporting a closed/charge-off while still claiming I owe a debt. Under the FCRA I have the right to seek statutory damages, and report them to the IRS
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

My Credit Card and savings account were randomly locked and unusable in XX/XX/year>2023. I've called them 4 times since and each time they refuse to give me any information on what the problem is and they tell me a manager will call me to resolve. No one has called me back to resolve and I gave up trying to call them since their process to reach anyone by phone is very difficult and they make me change my account password each time before I can speak to anyone.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (CA)

I am submitting this complaint regarding an inaccurate credit reporting issue on my Home Equity Line of Credit ( HELOC ) account with XXXX Bank. This incident marks the first delayed payment in my XXXX credit history. 

I have been a customer of XXXX XXXX for over XXXX years, always ensuring timely payments, as my HELOC account is set up with automatic payments. However, while I was traveling outside the country, the automatic payment scheduled for XX/XX/2024, was returned due to insufficient funds in my XXXX XXXX checking account. Unfortunately, I received no email or text communication notifying me of this issue. 

I became aware of the missed payment at the end of XXXX, when a friend who was checking my mail sent me a screenshot of a letter from XXXX XXXX the XXXX period had already passed. Despite this, I immediately logged into my account and made a payment of {$1500.00}. However, the payment was posted on XX/XX/2024, and was consequently reported as delayed to the credit bureaus. 

I also sent a formal request via postal mail to XXXX Bank, asking for this delay to be waived and for the reporting to be corrected, but I have not received any response yet. 

Given the circumstances : I was traveling internationally and did not receive timely notification from XXXX XXXX XXXXbout the failed payment. 
I took immediate action to make the payment once I became aware, well within the XXXX mark. 
This is the first delayed payment in my entire XXXX credit history. 

I respectfully request that XXXX XXXX correct this error and remove the late payment from my credit report to prevent further damage to my XXXX XXXX. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving this issue.