davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with the company and i 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.

This company 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-07-12
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 NATIONS FIRST CAPITA 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.

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 XXXX 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 2024-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX XXXXXXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The open date is different from TransUnion . -It 's a violation because all three are not consistent -The credit limit is different from XXXXIt 's a violation because all three are not consistent -The last reported is different from XXXXIt 's a violation because all three are not consistent -The 'date last active ' is different from Transunion and XXXXIt 's a violation because all three are not consistent The 'date of last " payment is different from XXXX-It 's a violation because all three are not consistent This account was charged off on the following the date ( XX/XX/year> ) Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge-off account should never include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
Please delete immediately
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX and list of Inquiries. 

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 2024-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CT)

On XX/XX/year> I called Navient to ask for a school misconduct discharge application. I was specifically told by the representative that I spoke to that the application would be in my online Navient inbox account by the next day. I have been checking my inbox since XX/XX/year> and still have not received an application. I have also been checking my home mail box everyday to ensure the representative didnt make a mistake and send it to me by mail. My home address is updated in their system. I would like someone to look into obtaining an application for me.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent disputes to the credit bureaus concerning fraudulent information reporting on my consumer report but they have not corrected it. 

I am writing to formally dispute several accounts that appear on my credit report, which I believe contain inaccuracies and violations of federal laws. The accounts in question are detailed below : 1. XXXX XXXX XXXX Account Number : Not Available 2. XXXX XXXX Account Number : Not Available 3. XXXX XXXX XXXXXXXX Account Number : Not Available I am disputing these accounts based on the following grounds, as supported by provisions of the Fair Credit Reporting Act ( FCRA ) : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are not reporting 100 % accurate information. They contain errors and discrepancies that misrepresent my credit history.

2. These accounts were erroneously reported as a result of the Equifax data breach, which constitutes a direct violation of the FCRA. The reporting of these accounts is inaccurate and should be corrected accordingly.

3. Under 15 U.S. Code 1681a ( 2 ) ( B ), these accounts do not meet the criteria for inclusion in a consumer credit report. Any credit transactions supposed to be excluded from a consumer credit report, particularly those involving the unauthorized use of my Social Security number, should not be reported.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I am filing this complaint against Chase Bank regarding their failure to issue a replacement card for my XXXX XXXX card, despite the account being in good standing. This issue appears to be unjustly linked to a separate dispute concerning a different card, which was unlawfully closed. 

My XXXX XXXX account has been confirmed by Chase Bank to be in good standing. I have no disputes, delinquencies, or issues related to this account. On XX/XX/year>, Chase Bank confirmed the successful upgrade of my XXXX XXXX card to a XXXX XXXX card. However, despite multiple requests, I have yet to receive the new card. 

The unlawful closure of my other Chase account, is improperly impacting the issuance of a replacement card for my XXXX XXXX account. Linking the two accounts and withholding the replacement card for the XXXX XXXX account is an inappropriate and punitive action. The dispute related to the other card should have no bearing on the status or handling of the XXXX XXXX account, which is not part of the dispute. 

Chase Bank 's refusal to issue the replacement card constitutes a breach of the implied covenant of good faith and fair dealing. This breach unfairly deprives me of access to my account and the associated credit benefits. 

The CFPB must intervene to ensure that Chase Bank immediately issues and expedites the delivery of the replacement XXXX XXXX card. I appreciate the CFPB 's assistance in resolving this issue promptly and ensuring that my rights as a consumer are upheld.
Consumer complaint received 2024-08-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (SD)

I was contacted by a woman offering me a installment loan after browsing for personal loans online. In the midst of creating a personal loan profile with her company she escalated me to another supervisor neither of which were American both sounding like they were from the same country. The issue was after I had given my account number and routing number the supervisor then asked me to provide very personal banking details. Those details were my banking username and password for my online banking. And I know it's common knowledge to never share those details with anyone over the phone and a real lender should never ask for those personal details. I immediately ended the call and I thought I should report them to you all I have for information is the phone number or which they contacted me and I had to directly contact them. That phone number was XXXX XXXX XXXX I also have a saved voice recording from a voicemail she left.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX XXXX  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. 


XXXX XXXX XXXX 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 XXXX 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I decided to cancel my Bank of America credit card after they were unable to initiate a dispute for a fraudulent charge on my account. The following month, I called Bank of America to make a payment. During that call, I asked the representative if this would be my final payment or if there would be any remaining balance in the next billing cycle. The representative assured me that this would be my last payment and that no balance would carry over to the next statement. 

Unfortunately, this information was incorrect. The next month 's statement showed a balance of approximately XXXX  which I was unaware of until I noticed a 60-day late payment on my credit report. This significantly impacted my credit score. Despite multiple attempts to resolve this issue with Bank of America and the credit bureaus, including filing a dispute, I have been unable to rectify the situation. I have consistently been responsible with my credit cards, and it is frustrating that my credit score has been severely affected by an {$8.00} balance.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-07-04
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)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oklahoma Motor Credit Company (OK)

Nothing has been done XXXX continues to allow these criminal people to continue to victimize me. There about to see what happens next. They know I have been wronged, still have not deleted the item off my credit report. XXXX XXXX is aware of the issue and refuses to resolve issue in good faith. I provided information and nothing has been done. The know that Oklahoma XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are lying there XXXX off, are capable of murder, and XXXX XXXX to try and commit crimes against me.
Consumer complaint received 2019-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (PA)

XXXX19 : Received suspicious letter from PayPal Credit / Synchrony Bank to call XXXX " to verfy recent activity processed on your acct. ending w/ **** ", ( which I do not own, nor applied for ) ; so I don't technically know if it's technically a physical credit CARD, or a " Digital-wallet '' credit acct. that the letter is referring to!!! 
XXXXXXXX19 : I called the XXXX # on the letter. I was asked for personal info & Soc.Sec. #, & BirthDate. When I refused, ( suspecting a scam ), Rep. told me to call their " Fraud Dept. '' at XXXX when I am ready to give my Soc.Sec. # in order to close the acct. if it is not mine. When I XXXX Searched those 2 phone # 's & the return address, I found many websites saying it's a scam/phishing scheme, and that scammers also created SPOOFED versions of PayPal Credit and Synchrony Bank websites to fool anyone who tries to find the REAL phone # or address & tries to contact the REAL PayPal Credit or REAL Synchrony Bank, in an effort to close the fraudulent acct. 
XXXX19 : I obtained Credit Reports from XXXX & XXXX. XXXX did indeed list a [ fraudulent ] SyncB/PayPal acct. # XXXX opened on XXXX19 in my name, using a fraudulent address ; as well as a " Regular Inquiry '' by " PayPal via SyncBPayPal '' that same day XXXX19 ; ( that " [ Regular ] Inquiry Analysis '' also included my " Supplemental Public Records & Residential Info. '' & " Supplemental Consumer Credit Info. '' ) That fraudulent address is now listed as one of my " Addresses Reported '' as " Date Reported : XXXXXXXX19 ''. My XXXX  Report shows that fraudulent address, too, as being me ; but with " Notices '' [ flagging it as questionable ] saying : " This address has pertained to a Business : XXXX XXXX XXXX XXXX, CA " & " Transportation Service : XXXX XXXX XXXX XXXX, CA ''. 
XXXX, in the meantime, is displaying 2 " Paid & Closed '' JCPenneys Credit Card accts. ( that, unbeknownst to me until now, also are / were managed by Synchrony bank ). I closed those 2 Credit cards 26 & 16 years ago!!! Is that normal, for them to still be displayed on one of my Credit Bureau Reports? ( XXXX also shows a " Hard Inquiry '' from a credit grantor that I did not apply to, but I can not tell if the parent company of that Inquirer is Synchrony Bank, or not. ) The Reporting Bureaus placed an initial Fraud Alert on my files BUT : I can not trust any phone # or address found for PayPal Credit nor Synchrony Bank, ( not even the 2 different addresses / phone # 's attached to the " Opened Acct '' & " Inquiry '' on the XXXX Report ) IN ORDER FOR ME TO CONTACT Synchrony Bank DIRECTLY, in order to CLOSE this fraudulent Credit acct. 
That is why I need the CFPB to contact & communicate with Synchrony Bank on my behalf, and close the fraudulent PayPal Credit acct. as well as the other " fair resolutions to this issue '', that I will specify in the next CFPB complaint box.