davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc. (TX)

Someone called me from XXXX XXXX, saying that he was calling about a lawsuit from Money Key and that I was going to be served for the debt owed. He said that I refused to pay the money owed to Money Key, roughly {$800.00}. He asked, is that correct? I said absolutely not. I told him that I've been working very diligently to repay my debts over the last several years. 

I was recently diagnosed with XXXX and XXXX, after diagnosed with XXXX  in XXXX. I had gotten into so many payday loans when I had XXXX XXXX XXXX. However, I had worked on settling this debt. I had thought I'd settled this debt previously. 

He asked if I could resolve the debt in 2 payments in 30 days. I told him no, I still owed on my rent. He said he could get it taken care of for me as a financial hardship arrangement on four payments every two weeks at {$180.00} each payment, with a {$5.00} processing fee per transaction. We set up the payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

He insisted I use a XXXX or XXXX number, not ACH. I was unaware at the time that this was a huge red flag. I gave them my debit card number, but did not sign any paperwork. Later, I found out my SSN was compromised back in XXXX of this year. I contacted CFPB who suggested I request my credit reports, review to see if the debt exists, if not, contact my bank to stop payment with them, then place security freezes on my credit reports. 

I also tried to search the company, and could not find any information on XXXX XXXX. When I called to get the amount of the transaction, I called XXXX and left a voicemail. No one ever returned my phone call. I called again on XX/XX/XXXX and spoke with XXXX XXXX. 

He called me on XX/XX/XXXX from phone number XXXX, when the transaction did not go through. I asked for a validation of debt. He said I received the XXXX on XX/XX/XXXX. I looked through my emails to the address he said and could not find anything. He said he would resend. 

He actually sent the information to a totally different email address that he did not confirm with me. He called me again and I requested a validation of debt. He said they are not a debt collector. I told him if Money Key would like to send me a validation of debt, I'll be glad to resolve.
Consumer complaint received 2024-09-13
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-28
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

Club card ending in XXXX, Amazon Store card ending in XXXX, and HSN card ending in XXXX, PayPal as well as my JC Penney and TJ Maxx cards ) due to repeated credit limit reductions. These reductions occurred despite a record of 100 % on-time payments and strong account standing. This practice has resulted in higher credit utilization, negatively impacting my credit score, despite my responsible credit behavior. During the call, I expressed that these credit limit reductions seemed unfair, especially as they were based on factors not communicated to me, and despite my maintaining a perfect payment record. After my call, Synchrony placed an unauthorized statement on my credit report without my consent or prior notification. Over the past six months, my credit limits have been lowered three times, leading to increased credit utilization that has caused my XXXX score to drop. I believe these actions are unfair and potentially discriminatory, as Synchrony Bank has taken these actions without regard for my consistent, on-time payments and responsible credit usage. I request that my original credit limits be reinstated and the unauthorized statement removed from my credit report.
Consumer complaint received 2024-10-28
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/year>, I contacted Synchrony Bank regarding multiple credit card accounts ( Sam 's Club card ending in XXXX, Amazon Store card ending in XXXX, and HSN card ending in XXXX, PayPal as well as my JC Penney and TJ Maxx cards ) due to repeated credit limit reductions. These reductions occurred despite a record of 100 % on-time payments and strong account standing. This practice has resulted in higher credit utilization, negatively impacting my credit score, despite my responsible credit behavior. During the call, I expressed that these credit limit reductions seemed unfair, especially as they were based on factors not communicated to me, and despite my maintaining a perfect payment record. After my call, Synchrony placed an unauthorized statement on my credit report without my consent or prior notification. Over the past six months, my credit limits have been lowered three times, leading to increased credit utilization that has caused my FICO score to drop. I believe these actions are unfair and potentially discriminatory, as Synchrony Bank has taken these actions without regard for my consistent, on-time payments and responsible credit usage. I request that my original credit limits be reinstated and the unauthorized statement removed from my credit report.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I am writing in addition to closed claim # XXXX - since then I have received a number of calls ID 'd as Bank of America XXXX It is there official XXXX number calling me repeatedly and not leaving any messages. Today on XXXX  I called BofA and spoke to two associates. The first told me that although my account had been closed last summer due to my trust in Bank of America, that it was still fraud. I spoke to some one in the fraud department who claimed he'd let the appropriate staff know my deep concern. I stated to the associate that it was a crying shame that the bank itself is unable to get a handle on spoofed/fraudulant calls, avoiding their responsibility in protecting their consumers. I am still out of {$3400.00} that was STOLEN via XXXX  by an imposter posing as a Bank of America associate. The bank blamed me instead of securing their product, making it safe for their costumers to use. It is disgusting that the bank continues to do nothing when it comes to bank scams. It should be THEIR responsibility to protect their numbers from being spoofed. I would love my money to be refunded by Bank of America, the damages done by their lack of accountability has impacted my life significantly. I could USE THE MONEY I EARNED.
Consumer complaint received 2024-10-28
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/year>, I contacted Synchrony Bank regarding multiple credit card accounts ( Sam 's Club card ending in XXXX, Amazon Store card ending in XXXX, and HSN card ending in XXXX, PayPal as well as my JC Penney and TJ Maxx cards ) due to repeated credit limit reductions. These reductions occurred despite a record of 100 % on-time payments and strong account standing. This practice has resulted in higher credit utilization, negatively impacting my credit score, despite my responsible credit behavior. 

During the call, I expressed that these credit limit reductions seemed unfair, especially as they were based on factors not communicated to me, and despite my maintaining a perfect payment record. After my call, Synchrony placed an unauthorized statement on my credit report without my consent or prior notification. 

Over the past six months, my credit limits have been lowered three times, leading to increased credit utilization that has caused my XXXX score to drop. I believe these actions are unfair and potentially discriminatory, as Synchrony Bank has taken these actions without regard for my consistent, on-time payments and responsible credit usage. I request that my original credit limits be reinstated and the unauthorized statement removed from my credit report.
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I received a letter from my initial mortgage company, XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> that my mortgage was sold on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX serviced by Select Portfolio Servicing Inc ( SPS ). It has been 30 days from the date of the letter and more than 30 days from the sale date and I have yet to receive any information in regards to my mortgage as legally required. Additionally, I have tried multiple times contacting both SPS and XXXX XXXX XXXX and they continue to state they do not have the loan on their portfolio as stated in the letter from XXXX XXXX XXXX. I have tried contacting XXXX XXXX XXXX and they claim the loan was sold and have not returned my most recent call. XXXX XXXX XXXXXXXX XXXX communication states I can not send my next payment to them and it is to be sent to SPS, but SPS states they do not hold the mortgage. Neither financial institution is helping resolve the issue so payment can be made to the proper lien holder and keep my loan in good standing.
Consumer complaint received 2024-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (VA)

I received an account statement in XX/XX/2024 that had a monthly payment amount $ XXXX dollars more than my loan payment had been previously. When I reached out to Aidvantage the customer service rep informed me that my loan repayment terms had been changed in XX/XX/2024, and I should have received documentation informing me of such. As you can see, from Aidvantage 's own website I did not receive this updated loan terms document in XXXX, nor did I request my loan terms be changed. It is in violation of the Truth in Lending Act and UDAAP to not properly disclose loan terms to borrowers. I have also been working with a XXXX XXXX XXXX XXXX, who requested I send them my aid data after I informed them that for the THIRD time Aidvantage had changed my loan terms without me prompting and without properly informing me. I sent that along, and they noted that when they had been working with Aidvantge, Aidvantage informed them in XXXX all my loans were on the Standard Repayment plan, and my NSLDS shows that was a lie.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I 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. 

XXXX XXXXXXXX {$1000.00} XXXX XXXX {$200.00}
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My account with those creditors 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 those account 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.

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 2024-09-13
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. (IL)

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX  XXXX has violated my rights. 
15 U.S.C. 1681 Section 1 602 ( a ). states I have a right to privacy. 15 U.S.C. 1681 604 ( A ) Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you provide substantiating proof for my accounts ' adverse status. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by your apparent lack of due diligence and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, MI XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Current Address : - XXXX XXXX XXXX XXXX, XXXX, MI XXXX Employer - XXXX
Consumer complaint received 2024-09-13
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. (MI)

To Whom It May Concern, I must insist that you promptly eliminate any unsubstantiated assertions mentioned either above or below in your documentation. To be eligible to disseminate alleged information, you are required to satisfy the basic criteria. I categorically reject the legitimacy of any statements that lack verifiable evidence, even if they adhere to the requisite reporting protocols stipulated for certification. This includes adherence to the indispensable Metro 2 Compliance guidelines outlined by XXXX in their XXXX, which unequivocally declares that any departure from these norms poses a threat to the veracity of the data. Listed below are the Inquiries that are being challenged. 

XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 2024-09-13
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. (TX)

This account was charged off on the following date ( XXXX XXXX  ) since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX Account number XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX is reporting my student loan balance twice to the Credit Bureaus. It appears that I have twice the student loan debt. I have disputed it with the Credit Bureaus but no response. I am unable to purchase a home due to the high amount of student loan debt that is showing on my credit report.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I was a victim of the XXXX data breach. I contacted all XXXX ( XXXX, XXXX, and Experian ) credit bureaus via certified mail that there were incorrect addresses on my report and that they should be removed immediately. The address are still on my credit report. They are fraudulent and should have been removed over 90 days ago.