davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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!
Consumer complaint received 2024-08-01
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late. 

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

3. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-06-20
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: Affirm Holdings, Inc (NJ)

I have reached out multiple times through phone and email and have offered to assist and provide proof of documentation that is needed to assess that this is not my debt. Not once did i recieve a call from affirm or a statement to my house trying to collect debt which is why i took long time to dispute. This debt needs to be removed from my credit bearu as you have failed to provide proof of 1, The amount of the alleged debt ; 2.The full name and mailing address of the original creditor for this alleged debt ; 3.Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ;
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (TX)

I received two calls from Penncreditcorp ( XXXX ). The first call was on XX/XX/XXXX at XXXX XXXX and the second call was on XX/XX/XXXX at XXXX. I find it strange that Penncreditcorp persisted in calling me but never bothered to leave a voicemail message. It's stranger still that I even got a call from a collection agency because I always pay my bills and I certainly did not receive any collection notice in the mail. So, I have no clue as to why any collection agency would be calling me.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

My account with SYNCB/AMAZON was never late! I have had exceptional payment history with SYNCB/AMAZON 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 XX/XX/year> 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. 


SYNCB/AMAZON Nev

er Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information w
as 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 2024-02-01
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. (IN)

From what I know, as per FCRA 605B, wrongly reported accounts should be removed from credit reports. I'm not sure about the details, but please examine the accounts in the documents. They're reported incorrectly on my credit, and it's making me upset. I really need your assistance.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

My account with SYNCB/AMAZON was never late! I have had exceptional payment history with SYNCB/AMAZON 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 XX/XX/year> 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. 


SYNCB/AMAZON 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 2024-08-01
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. (GA)

there are items on my credit report that are not mine and they need to be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS ARE FRAUD AND THEY SHOULD NOT BE ON MY CREDIT REPORT. I CONTACT THEM CREDITORS AND THE COMPANIES
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC. (MS)

Good morning to begin I contacted my bank about some unauthorized charges from the merchant in question there were nine unauthorized charges in the amount {$48.00} each time the bank then issued a new debit card and put three of those transactions on Investigation and was given a provisional credit I assumed everything was being handled and taken care of I was then notified by the bank very quickly that my provisional credits would be taken away and the money would be taken back out I wasn't given any information or any explanation except that they were taking the money back out I then contacted them again which I've sent over 12 to 13 emails telling them that those were not my charges and they would greatly appreciate if they would handle that and put a merchant block for me because they continued to take money out of my account without my permission after this and me contacting the bank and telling them about everything they then went into a vault of mine took out all of my money that I had and put it towards these provisional credits that they had taken out which left me and put me in a negative balance for weeks caused my other bills to be late cause my rent to be late caused everything to be late I need someone to help me put my money back in my account and the unauthorized charges I can not get the bank to do this I can not get the bank to even respond to me I have called I have emailed I have sent everything that I could possibly do an exhausted every option that I have I need my money back I'm still in a negative balance and my bills are still due and I don't know what to do I don't know how to handle this I can't get the bank to help me I can't get the merchant to help me so this was my last option I need someone to help me get my money back please it might not seem like a lot to people but it's a lot to me it determines whether I eat or not or whether my rent gets paid and it's caused me so much problems and I have tried and tried to to get the bank to put my money back I never have my account set up to where you can cover anything by getting into my Vault or my savings I understand there's an offset that's legal and that's with money that I would owe them but I do not owe them any money they owe me a refund for all of the unauthorized charges to the merchant and the {$90.00} that they illegally took from my savings vault that I was trying to save to get a car because I walk to work everyday and I don't make that much money I am at a {$13.00} an hour job trying to make it in this world and I went out on a limb and trusted this Bank and chose this Bank to help me save my money and collect my direct deposits and all they did was take everything that I have can someone please help me? Please Thank you Very Dissappointed Bank customer...
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

On XX/XX/XXXX, I received a letter from NewRez Shellpoint explaining that it had purchased my current home loan from Specialized Loan Servicing. This letter stated that the terms of my loan " will not change '' and that I would not have to " update any information. '' On XX/XX/XXXX, Newrez drafted {$950.00} automatically from my bank account, which is {$400.00} less than under the previous terms of my loan from XXXX XXXX XXXX. I called the same day to try and understand the accounting problem. When I called, the company stated it couldn't help me because the loan had not been " fully migrated '' from XXXX XXXX XXXX. I asked them to put in a request to look at my account and the representative complied. On XX/XX/XXXX, the same day, the {$950.00} was backed out of my account as a " reversal. '' On XX/XX/XXXX, my account was once again charged the {$950.00}. I called XXXX more times during the following week to try and understand why my payment was short {$400.00}, but the representatives claimed the loan terms were correct. On XX/XX/XXXX I asked to speak to a supervisor who stated NewRez had finally fully migrated the loan and that I could go on their website and change my escrow to reflect the missing {$400.00}. 

I asked for the supervisor to make the changes over the phone, but she stated I could do it on the website. When I asked again for her to help me process my request, she stated that I had to do it on the website. 

Newrez not only changed the terms of my loan, but they forced me to update information on their website. In a letter dated XX/XX/XXXX, Newrez stated that the terms of my loan would not be changed and that I would not, in fact, have to update any information. When I asked the supervisor about this letter, she stated that the letter was a " mistake. ''
Consumer complaint received 2018-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MT)

I WAS RELEASED FROM FINACIAL OBLIGATION FROM LEASE AT XXXX XXXX AS I MOVED OUT AND THEY ARE REFUSING TO ACKNOWLEDGE, THIS SHOULD BE COLLECTED BY OTHER PARTIES THAT WERE ON THE LEASE
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (OH)

I completed a request to transfer {$270.00} to an individual that bank with XXXX. 
Zelle withdrew the funds but never made the deposit. They are holding the funds. I have no idea why. I requested that they the return my money to my bank and I was told it could take 1 to 3 business days. I don't know why they suspended the transaction. You can't talk with them. They create a substantial hardship for me. Why can they take money in minutes but can't refund in minutes. They are dishonest about their services and how that handled their transactions. It's been 3 days and I still don't have my money back.
Consumer complaint received 2024-05-25
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-01
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. (IL)

I am writing to formally report persistent issues with fraudulent items on my credit report and the failure of credit bureaus to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines. Despite my repeated efforts to resolve these issues, inaccuracies continue to be reported, which significantly impacts my creditworthiness and financial well-being. 

The specific fraudulent items on my credit report are as follows : XXXX XXXX CITICARDS XXXX XXXX XXXX XXXX XXXX Additionally, the following credit inquiries, which are not authorized and potentially fraudulent, appear on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite previously disputing these items and having some removed, they reappear on my credit report without proper notification or verification as mandated by the FCRA. The credit bureaus have failed to notify me of these reinsertions as required under 15 U.S.C. 1681i ( a ) ( 5 ), which mandates that if information is reinserted, the bureau must notify the consumer and provide relevant details.

Under the FCRA, specifically 15 U.S.C. 1681i, I have the right to dispute inaccuracies, and the bureaus are obligated to conduct a reasonable investigation and remove disputed items. The repeated insertion and reporting of these fraudulent items without proper investigation and notification violate these provisions and undermine my ability to maintain an accurate credit report. 
I request that the FTC investigate these ongoing issues and take appropriate action to ensure compliance with consumer protection laws and fair reporting standards.