davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. 

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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-12
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)

XX/XX/year> : - XXXX XXXX is charging me {$430.00} for an account that I didn't open and authorize. 
- XXXX XXXX account open that I didn't authorize for {$1300.00}. I contacted XXXX about closing the account due to fraud and I didn't open an account for home or mobile. They informed me that in order to close I will have to pay the past due balance or it will be sent to collections. 
- XXXX XXXX charging me {$510.00} and I am unaware of and I didn't authorize any charges or opening of this account. 

XX/XX/year> : Debt collector XXXX XXXX XXXX has reported I owe {$8900.00} when my rent was paid by our florida and my county rental assistance program for my entire lease during covid-19 to the previous management. The previous management did not report that my balance was {$0.00} to new management and the new management is attempting to collect something I do not owe. This have been reported to my credit report and I want it removed.
Consumer complaint received 2024-09-12
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. (GA)

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 2024-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-03-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (SC)

On XX/XX/2023, I got an account notification from my NetSpend app stating that my account balance was - {$48.00} and sum change because of recent transaction of {$170.00} at A XXXX XXXXXXXX XXXX XXXX address : XXXX XXXX KS XXXX . I immediately logged into my account to see for myself, then I called NetSpend Customer service in order to dispute this transaction and cancel my card because obviously I have experienced fraudulent activity on my account. They told me that since the transaction was still pending that I had to wait until it posted to report fraud. So after checking my account the entire next day, the transaction finally posted on XXXX XXXX  that night so I decided to call and do my report early the next morning XX/XX/2023. During the call, I cancelled my card and certified that I didn't complete the transaction. I was given a claim number and explained the investigation process and also how to get a provisional credit. After the call, I emailed about the provisional credit as instructed. None was granted. However, on XX/XX/2023, I got a notification from my NetSpend app stating that a provisional credit of XXXX had been credited to my account. Only to be debited about XXXX minutes later. So I call them back and they tell me my claim had been denied because I didn't report my card stolen, nor did I change my pin, amongst many other factors that you will see when I upload my evidence. Their investigation tactics were not true because I called them as soon as I got the notification from the fraudulent transaction and cancelled my card. Then I tried to contact the vendor in which the transaction was posted and the place is bogus. NetSpend did not investigate this claim thoroughly and I really would appreciate if they do and give me my money back.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I am writing to file a formal complaint against Experian Bureau for their failure to properly investigate and correct inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

On XXXX submitted a dispute to Experian Bureau regarding a late payment reported on my XXXX XXXX, account number ending in XXXX. I have never missed a payment for this account and requested that the credit bureau either provide proof of the alleged late payment or correct the error to reflect on-time payments. 
Experian Bureau responded, stating that the late payment had been " verified. '' However, they failed to provide any documentation or proof of the alleged late payment, nor did they explain the steps they took to verify the information. This indicates a failure on their part to conduct a thorough and reasonable investigation as required by the FCRA. 
After receiving this unsatisfactory response, I contacted the credit bureau again to demand proper proof or the removal of the inaccurate late payment. To date, Experian Bureau has not provided any sufficient evidence to support the claim of a late payment, nor have they corrected the error on my credit report.

As this inaccurate information is negatively affecting my credit score, I am requesting the CFPB 's assistance in resolving this issue. Specifically, I am asking for : XXXX. A thorough re-investigation by Experian Bureau with clear documentation or proof of the alleged late payment, if such exists. 
XXXX. The immediate correction of my credit report if no evidence of a late payment can be provided. 
XXXX. Confirmation that Experian Bureau is following proper procedures for handling disputes in compliance with the FCRA. 
Please find attached copies of my previous correspondence with Experian Bureau, including the original dispute letter and their response. I would appreciate your help in ensuring that this matter is resolved fairly and that Experian Bureau is held accountable for their failure to follow federal guidelines.

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I am writing to file a formal complaint against Experian Bureau for their failure to properly investigate and correct inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

On XXXX submitted a dispute to Experian Bureau regarding a late payment reported on my XXXXXXXX XXXX, account number ending in XXXX. I have never missed a payment for this account and requested that the credit bureau either provide proof of the alleged late payment or correct the error to reflect on-time payments. 
Experian Bureau responded, stating that the late payment had been " verified. '' However, they failed to provide any documentation or proof of the alleged late payment, nor did they explain the steps they took to verify the information. This indicates a failure on their part to conduct a thorough and reasonable investigation as required by the FCRA. 
After receiving this unsatisfactory response, I contacted the credit bureau again to demand proper proof or the removal of the inaccurate late payment. To date, Experian Bureau has not provided any sufficient evidence to support the claim of a late payment, nor have they corrected the error on my credit report.

As this inaccurate information is negatively affecting my credit score, I am requesting the CFPB 's assistance in resolving this issue. Specifically, I am asking for : XXXX. A thorough re-investigation by Experian Bureau with clear documentation or proof of the alleged late payment, if such exists. 
XXXX. The immediate correction of my credit report if no evidence of a late payment can be provided. 
XXXX. Confirmation that Experian Bureau is following proper procedures for handling disputes in compliance with the FCRA. 
Please find attached copies of my previous correspondence with Experian Bureau, including the original dispute letter and their response. I would appreciate your help in ensuring that this matter is resolved fairly and that Experian Bureau is held accountable for their failure to follow federal guidelines. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide 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 
These banks are not allowing me to open up a bank account with them because I am in XXXX thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I paid my car off in full in the amount of {$1200.00} on XX/XX/2019. This Company ( XXXX  XXXX XXXX ) has been knowingly reporting that my account is still open and past due. This unfair and incorrect reporting is hindering my from buying a house. I have alerted the company several times on this matter and they have not taken any action to correct this problem.
Consumer complaint received 2023-03-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (TN)

We purchased a vehicle from XXXX XXXX XXXX XXXX XXXX They recently closed the business and filed bankruptcy. A collection agency is now servicing those loans. We do not owe a collection agency for our car, we were current on our payments when the doors closed, we have pd over 16,000 on this car.

There are 1000 's of people in the same situation we are in. 
We appreciate any hep.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC (CA)

I, XXXX XXXX, am submitting this statement to formally report an instance of identity theft and contract manipulation involving my XXXX XXXX XXXX and to dispute the negative information associated with this fraudulent transaction that has been reported to the credit bureaus. 



In XXXX of XXXX, I entered into a contract to purchase the XXXX XXXX XXXX in good faith. I made six payments to Global Lending Services, fully expecting the terms of the contract to be upheld as agreed. However, upon closer inspection of the contract, I discovered that it had been manipulated and forged, with unauthorized alterations made to both the terms and my signature. This manipulation was done without my knowledge or consent, constituting a clear violation of my consumer rights under federal law, particularly the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. 



As a victim of identity theft, I have suffered significant financial and emotional distress. The fraudulent contract not only compromised my ownership of the vehicle but has also resulted in a negative item being reported on my credit report. This inaccurate and damaging information is causing harm to my creditworthiness, which directly impacts my financial future. 



In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I formally request that all credit bureaus delete any and all negative items related to this fraudulent account from my credit report immediately. As this account was opened and reported under fraudulent circumstances, it is my legal right to have this information removed. 



I urge the relevant parties to investigate this matter thoroughly and to ensure that my credit report is corrected by removing the negative items. I also request confirmation in writing once this has been completed. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance XXXX {$8.00}, XXXX XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance XXXX {$320.00} XXXX XXXX XXXX XXXX  Balance : {$8100.00} XXXX XXXX XXXX XXXX  Balance : {$6400.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  Balance : {$8000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2021
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Yesterday I seen a XXXX account on my credit report so I called them they asked me to fill out a fraud report I did and I disputed it with Experian and today they emailed me saying it was fixed but it wasnt
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have contacted each of the credit agencies in regards to the fraudulent accounts that are destroying my credit history and my livelihood. I have only gotten partial results or response letters in return requesting documents I have already submitted a number of times. I have now reached my limit regarding patience with this matter. Not only have I submitted all documents required by law to prove my innocence and uphold my end regard the laws of the fcra. I have also opened investigations with the local police department and arrest have been made suspect has apprehended and charged By the XXXX county police department. However the banks and credit agencies have unjustly left this debt onto my credit report. If these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX XXXX ) along with the fraudulent inquiries and useless fraud alerts are not removed permanently and urgently. I will file my lawsuit and seek full reimbursement for all that I have lost due to this theft.
Consumer complaint received 2024-10-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is a follow-up to a complaint filed on XX/XX/XXXX ( in which XXXX XXXX used a deceitful tactic in an effort to avoid responding ) and a follow-up complaint filed on XX/XX/XXXX that an agent with CFPB suggested I file XXXX 
On XX/XX/XXXX, both my renter and I who are out of town, saw clips on our security cameras with people entering our property through the locked gates, climbing through a window of the studio where my renter stores items, rummaging through our items and the locks were changed. This was discovered by having a neighbor and a realtor friend check on the property after seeing this. Because of XXXX XXXX 's lack of communication with both myself and counsel, we have no clue if this is of their making. My senior lead officer advised I file police reports. I have emailed XXXX XXXX but have yet to receive a response.
Consumer complaint received 2024-10-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I received an estimate to have water proof laminate installed in a home I'm not living in. I accepted the proposal, not realizing the salesman wrote the wrong color floor on the order, you don't receive a paper copy of the estimate it's only on XXXX. On XX/XX/XXXX a friend let the installers into the unoccupied home, I was preparing the home so I could move in, not realizing the floor installers would need to be supervised. Since I'm not living there I went on XXXX to take a look at the job, to find the wrong color floor was installed with the correct trim, they left metal anchor plates for the bannisters exposed rather than covering them with flooring, they cut back the carpet from the trim too short, they took a trash can that had a bag of sand in it dumped the sand in the mulch bed, XXXX  int he empty trash can and left it in the home, stole items from the home. I immediately started to call XXXX XXXX XXXX to rectify the matter, and was constantly getting disconnected or hung up on. They have refused to acknowledge the XXXX, the theft of items, the incorrect color flooring and state that the exposed metal plates are against federal law to cover. I contacted Synchrony Bank to file a dispute to no avail, they state that they spoke to someone about the matter and everything had been resolved, when nothing has been resolved. Synchony Bank is also unwilling to do their due diligence, they need to actually investigate rather than just take the word of a shady floor company. I'm a grieving widow that has been trying to get my life back together and move forward, I feel like I've been taken advantage of by both XXXX XXXX XXXX and the bank and no one is doing anything to fix it. Everything is stalled at this point, I can't get painting done until the floor situation is fixed.