davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts with XXXX XXXX XXXX WAS NEVER LATE 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 XXXX, XXXX, XXXX, XXXX 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 XXXXXXXX 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 2024-05-24
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)

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

i have been contacting Equifax for several weeks and trying to dispute some unauthorized hard inquiries on my report. as i type this I'm on the phone being denied again. on XXXX i submitted a dispute for these accounts and within 6 hours it allegedly was finished. i contacted them questioning how can you validate something within 6 hours. i was told they don't check hard inquires and repeadetely was told because their factual records which don't answer my question on why these unauthorized inquires wasn't investigated. what's the whole point of disputing something if the company want even do their job and investigate my complaints. the inquiries at hand are from the following. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX I apologize for burdening you with this letter! It is complicated, so I will give you my phone number. I have reached out to XXXX customer service and Care Credit numerous times with no resolution! In fact, I do not believe they understood the gravity of this complaint! 


I am truly not sure where to start. I hope I can clearly state my concerns, since this matter is incomprehensible to me.There were no disclosures from either company! 


I had a Care Credit account that was recently closed and APR increase to XXXX from XXXX, on the remaining balance. I had automatic payments drawn from my XXXX XXXX account ; at this time, it was {$30.00}. 
Here is my story : XXXX received two automatic payments for {$30.00} to my Care Credit account, in XXXX. the {$30.00} ACH draws were dishonored due to the stop payment in XXXX I made! I had stop payment due to fraudulent activity, new card issued! I did not remove the stop payment because I had received a new card, different number. I attempt to get a three way conversation to discuss, but XXXX hung up before Care Credit and I spoke. XXXX and Care Credit would not call each other on this matter. The flag of {$30.00} Care Credit was placed on my account closing it and increasing my APR XXXX. This is absurd, since I actually paid the {$30.00} but Care Credit would not honor it since XXXX declined for an entirely different reason not relating to insufficient funds! 


This is unconscionable conduct for a longtime client! I have been responsible with payments. I recently made over a {$2000.00} payment. I never received a warning until the day it was done this month on XXXX, although letter written on XX/XX/XXXX! ( see attached ) called immediately to both companies to correct and no assistance received! 
My remedy : Open my account up so we can finish our much needed dental work and change APR back to XXXX instead of XXXX! Care Credit is also called Synchrony bank. A {$1200.00} charge for 3 days trying to resolve this issue with calls. As XXXX I make $ XXXX. 


Regards, XXXX XXXX XXXX CC Care Credit, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, attorney XXXX  once established.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

This charge was made on a Bank of America credit card that we had to open on XX/XX/2023 to be able to terminate our timeshare commitment with XXXX. The purchase was made to XXXX XXXX XXXX. We were told that XXXX would most definately work with us to relieve us of our timeshare. We were charged {$12000.00} for this service. Last week, I heard from XXXX and was told that their timeshare exit program has been and was indefinately suspended long before this XX/XX/2023 transaction. Bottom line, XXXX XXXX XXXX  charged us {$12000.00} for a service that they could in no way fulfill. We have tried disputing this charge with Bank of America 3 times now and they have sided with XXXX XXXX XXXX each time. While speaking with one of Bank of America 's dispute department last week, I was informed that Bank of America only communicates with the merchant 's bank/financial institution and does not even communicate with the merchant prior to rendering their dispute decision. I have contacted both of the phone numbers provided by XXXX XXXX XXXX, dozens and dozens and dozens of times. Either their phone number endlessly rings, their voicemail boxes are full, or if I am able to leave a message, absolutely NO attempt has been made by XXXX XXXX XXXX to return my call. I have emailed them at the email address provided to me by them, and it immediately bounces back to me as an invalid email address. I also went on their website and attempted to contact/email them. Again, no response. Yet, Bank of America sides with XXXX XXXX XXXX. I used their credit card, paid for a service which at the time of the charge and now, that service can not be fulfilled. Bank of America continues to side with XXXX XXXX XXXX and will not credit my {$12000.00} charge.
Consumer complaint received 2024-07-18
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC. (IL)

Santander Consumer USA Asked to stop all contact with me. I am still getting phone calls and mail. Also reporting to all 3 credit agencies without my permission.

USC 1692 C ( C ) All communications must be ceased.

FCRa section 6o5b No permission was was giving to put anything on my credit report.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently checking my credit report I noticed that I've been a victim of identity theft and tound numerous credit inquiries i nave no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FEDERAL TRADE COMMISSION IdentityTheft.gov And I also have proof that it popped on overnight I also attached that identity theft report for inquiries
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (NY)

XXXX XXXX XXXX. ; XX/XX/2018 ; XXXX XXXX XXXX XXXX, debt owed is {$710.00}. I told them that I was unable to pay because My income stopped coming to me for a few months and I'm on SSI and SSD, and I cant be hold reasonable to repaying any debts at all. the sent this debt to collections and I sent them the law showing I didn't have to pay them nothing and they just kept sending notes about the debt. also, in 15 usc 1681section 602 states I have the right to privacy ; 15 usc 1681 section 604a section 2 : It also, states a consumer reporting agency can not furnish an account without my written instructions ; 15 usc 1666B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for purpose. They have been paid already by the government!
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (IN)

This company has violated my right to privacy, has/was shared my private, nonpublic personal information to third parties, never conspicuously disclosed to me the consumer that my information would be shared, never conspicuously disclosed to me that i have the right and ability to opt out, never got permissible purpose nor my written or expressed instruction to furnish my consumer report in the first place. 
These are violations of 15 USC 1681 : Your company failed to obtain my permissible purpose or written instruction before furnishing my consumer report.

15 USC 6802-6805 : You violated my right to privacy by providing my non-public personal information to third parties without my conspicuous disclosure and opportunity to opt-out.

16 CFR 313 : You failed to conspicuously disclose to me that my information would be shared with third parties.

12 CFR 1016.7 : You failed to inform me of my right to opt-out of such information sharing.

The Privacy Act of 1974 : Disclosing my personal information without my consent. 

This has caused so much damage and difficulty on my consumer report, financial reputation, my mental/emotional well being, my privacy, my family 's privacy safety and well being. 

Per the fcra, and the above laws, as a federally protected consumer, i am now opting out of any and all authorization i the consumer, may have given you, written, unwritten, verbal, nonverbal, or otherwise communicated.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (IN)

This company has violated my right to privacy, has/was shared my private, nonpublic personal information to third parties, never conspicuously disclosed to me the consumer that my information would be shared, never conspicuously disclosed to me that i have the right and ability to opt out, never got permissible purpose nor my written or expressed instruction to furnish my consumer report in the first place.

These are violations of 15 USC 1681 : Your company failed to obtain my permissible purpose or written instruction before furnishing my consumer report.

15 USC 6802-6805 : You violated my right to privacy by providing my non-public personal information to third parties without my conspicuous disclosure and opportunity to opt-out.

16 CFR 313 : You failed to conspicuously disclose to me that my information would be shared with third parties.

12 CFR 1016.7 : You failed to inform me of my right to opt-out of such information sharing.

The Privacy Act of 1974 : Disclosing my personal information without my consent.

This has caused so much damage and difficulty on my consumer report, financial reputation, my mental/emotional well being, my privacy, my family 's privacy safety and well being.

Per the fcra, and the above laws, as a federally protected consumer, i am now opting out of any and all authorization i the consumer, may have given you, written, unwritten, verbal, nonverbal, or otherwise communicated.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

The addresses that are listed do not belong to me and I have never worked for the following employers. 

Addresses : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 2. XXXX XXXX XXXX XXXX, TN XXXX 3. XXXX XXXX XXXX XXXX, TN XXXX 4. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 6. XXXX XXXX XXXX XXXX, TN XXXX 7. XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> & XX/XX/year> ) I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Mutual Management Services LLC (FL)

I contacted the third-party company. Thats on my credit report. The conversation went like this. I asked for my original documents with my signature and the amount of money I owed. I also asked would the gentleman tell me whats on my report. He complained, and the information was wrong I immediately informed him. I asked about removing this from my credit report. He didnt give any information. Inconclusive this third-party is using my information without my consent and I am requesting for this information to be removed from my name and off my credit report.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (FL)

Th credit Bureaus is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXL Account Number : XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/year> I recieved a notification via all of my credit monitoring services ( i.e., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) that my credit had decreased significantly. After reviewing the reason and doing research, I found out that my XXXXXXXX XXXX XXXX ( via XXXX XXXX XXXX XXXX XXXX ) was one month past due for the ~ {$45.00} " no interest monthly payment '' due on my XXXX purchase of a new XXXX XXXX. I then contacted XXXX XXXX and explained that I never received a hard copy of my initial bill to set up payment. They researched what I said and concluded that they did not ever send a hard copy bill and reversed all late fees and explained what I needed to do to set up my online account to make monthly payments and bring the account current. Once I did that I called back to verify they could see that it was completed and they ( XXXX XXXX ) confirmed it and advised that if I wanted my credit report to reflect this change and remove the deragatory past due remarks that I need to submit online credit disputes with all three credit reporting agencies ( i.e., Transunion, XXXX, and XXXX ) and send a letter to their credit disputes department. So I did that by XXXX XXXX to the agencies and on XXXX XXXX to XXXX XXXX credit disputes, respectively. Then on XXXX XXXX, I recieved a credit reporting notification that the deragatory 30 days past due marks for XXXX XXXX XXXX XXXXXX/XX/year> had been removed and my credit score reflected a XXXX point increase. Then on XXXX XXXX, I received a notification that XXXX had reviewed my request and determined that the past due remarks were correct. While they were correct, they did not address the fact that they made an error in not sending me my hard copy bill and that I upon being notified I rectified by paying the bill to current and setting up automatic payment for the remaining interest free balance. I would like the two months of past due payments removed completely from all of my credit reports. Reason, with my credit history of never having a late payment in 35 years and my actions upon notification of having past due payments along with no actual hard copy bill to trigger payment setup, I feel this request is warranted and should be supported. Thank you!
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Control, LLC (VA)

On XX/XX/2023. I called to settle a debt with a company named XXXX XXXX. They bought a collection from XXXX and XXXX XXXX. I paid {$1300.00} and {$760.00}. I was told that they would remove the collection from my report since the debt had been paid off. I was provided documentation stating it was settled in full and paid. I disputed the items multiple times and every time the results came back it would say nothing was settled and the results haven't changed. I have reached out to XXXX XXXXXXXX and informed them on this and they said it should've been settled since I paid them. Given the nature I also had another company reach out to me saying that they owned the debt that I had already paid XXXX XXXX. I had to send them documentation proving the debt was settled. I need to know why it keeps coming back as nothing has changed and that I still have this debt if it has been paid and there is documentation proving the settled debt. It is absolutely tiring that this continues to happen.