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

My account with EQUIFAX 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. 


EQUIFAX 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 2024-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (FL)

On XX/XX/year> I transferred USD {$50.00} from my XXXX account to my checking account I have with Wise. After a few days of observation I noticed that the funds were transferred successfully from my XXXX account but when I looked at my checking account the funds didnt came in. I contacted Wise and was advised that they had changed my account details and closed the previous account ; which I wasnt aware of. If I had known I wouldve made the necessary changes that need to be done before sending but I wasnt aware until after they informed me when I contacted them. Then I was told that the bank would automatically reject the transaction and send back the funds to the sender ( XXXX ) within 5-10 days for domestic transfers and now its been 5 weeks now since I made the transfer and no one can tell me where my funds at, when I contact Wise they are sending me to query this with XXXX and XXXX is sending me back to Wise. I need help locating my funds and no one is assisting me in trying to locate my missing funds. Please help
Consumer complaint received 2024-04-05
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc. (CA)

I began services with TomoCredit for their TomoBoost product in XX/XX/2023 based upon receiving numerous email their services would increase my credit score. The amount of the payments to be paid for the TomoBoost product were {$34.00} per month in exchange for a {$10000.00} credit line reporting. The credit reporting NEVER reported to ANY of the credit bureaus as promised to date. Not only did nothing ever happen but as in services or products as promised but they continued to bill me {$34.00}. When I noticed that this was happening, I reached out to TomoCredit, there was no way to cancel the service I was not receiving, and they say there is no refund according to their terms and conditions. A contract can only be valid if there is performance. Tomo Credit/ Tomo Boost never performed any of the services offered to me or that I paid for. On Tomo Credit/Tomo Boost part there has been ZERO performance. However, I have paid for the services and performed my side of the agreement. It is really unfair for Tomo or any company to prey on people and promise their services can positively impact one 's credit report and knowing they can not provide this service. I am not the only party complaining about not receiving services there are hundreds of other similar complaints in which Tomo has taken money without performing services while making it difficult and nearly impossible to cancel.
Consumer complaint received 2024-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-05-08
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$49.00} XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : $ {$2100.00} ; XXXX XXXX XXXX Balance XXXX {$120.00}.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I am writing to formally dispute the following charge-off accounts that are inaccurately reported on my Experian credit report. I request an immediate investigation and removal of these erroneous entries. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for compliant : Inaccurate Reporting : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. These accounts have been reported inaccurately as charge-offs, which is causing significant harm to my creditworthiness. I demand that Experian conducts a thorough investigation as required by 15 U.S. Code 1681i ( Section 611 ) of the FCRA and rectifies these errors immediately.

Verification of Debt : I also request verification of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g. I have not received adequate validation of the debt from the original creditors. Without proper verification, these debts should not be reported on my credit report.

Outdated Information : Some of these accounts may also be outdated and should have been removed from my credit report after the seven-year period from the date of the first delinquency, as stipulated by 15 U.S. Code 1681c ( a ) ( 4 ). I request a review to ensure compliance with this statute.

Requested Action : Please provide me with the results of your investigation in writing, along with an updated copy of my credit report reflecting the removal of these accounts. Thank you for your prompt attention to this matter. I look forward to your positive resolution.
Consumer complaint received 2024-05-16
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. (CA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XX/XX/XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please see attached complaint. Experian did not address the matter. This issue has not been resolved. I have not received up to {$1000.00} for Experians failure to comply with the FCRA. No correction has been made to my credit file nor has the name of the company Experian uses for XXXX XXXX.
Consumer complaint received 2024-08-31
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. (NY)

Experian, XXXX and XXXX are violating my rights in numerus ways reporting inaccurate information on my reports month after month and I want this corrected. Here is the list of their violations that they fail to correct : - Reporting as a charge off month after month, purposely re aging the account which is a direct violation of the Fair Credit Reporting Act. Accounts can report this the first time only, as each time they re-report it starts the reaging process, which is a violation - Reporting a balance on a charge off they do NOT own, which is a violation of the Fair Credit Reporting act. 
- Reporting a credit line on a charge off, which is false, as the account was sold.

- Each company I have disputed is not reporting or indicating when and if this account was sold, purposely misrepresenting the status.

- Balance calculations are not being validated properly
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (NY)

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


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

CAINE AND WEINER IS A COLLECTOR FOR AN INSURANCE DEBT I HAD WITH XXXX. I DID NOT RECEIVE WRITTEN CORRESPONDENCE FROM BOTH XXXX OR CAINE AND WEINER COMPANY ABOUT HAVING AN OUTSTANDING BALANCE. NOW EVERY ATTEMPT TO PAY THE COLLECTION HAS BEEN IMPOSSIBLE TO PAY IF THEY CAN'T GIVE ME THE ACCOUNT NUMBER. MY CREDIT REPORT HAS BEEN AFFECTED WITHOUT ME SEEING THIS COMING AT ALL
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (NY)

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


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 2024-05-16
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. (NY)

I am writing to follow up on my previous dispute regarding the unauthorized and incorrect negative items that persist on my credit report. It is troubling that despite my detailed challenges to these entries, they continue to adversely impact my credit file.
Consumer complaint received 2024-09-06
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: JPMORGAN CHASE & CO. (WA)

Hi, I made an online purchase of XXXX USD from XXXX XXXX XXXX on XX/XX/2024. I received the package from merchant on XX/XX/2024. I requested return on merchant 's website by following their return instructions and got the prepaid return label from merchant. I dropped off the return package to the carrier XXXX on XX/XX/2024. However, XXXX lost the package. I contacted merchants regarding this and they opened a claim with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didn't hear back from merchant and called them on XX/XX/2024 regarding the return status. However, merchants told me that their investigation team was asking me to provide dropoff receipt and electronic return label they provided. The truth is that I never received these emails. But still I sent these documents to merchants on XX/XX/2024. 

Then I didn't hear back from merchant again until I called them again... And they said they didn't get any response from me. I am exhausted by this whole process and decided to open dispute with Chase. Chase firstly gave me temporary credit back. 

- Then on XX/XX/2024, Chase sent me notice letter indicating that merchant insisted that they never received drop-off receipt from me. And Chase need me to provide these information and I also need complete, sign, and date the enclosed dispute form ( XXXX ) by XX/XX/2024. 
- On XX/XX/2024, I uploaded drop-off receipt from XXXX email evidence indicating I actually responded to merchant on XX/XX/2024 etc. I was planning to complete dispute form indicating I need to continue this dispute on XX/XX/2024. 
- On XX/XX/2024, Chase notified me that they thought dispute was not valid without providing any additional information/reasons compared with last notice letter trying to gather evidence from me. They simply mentioned that I couldn't provide return record. They immediately removed the temporary credit ( s ) issued to my account. 

In the enclosed letter provided by Chase, they are simply forwarding merchant 's emails asking for me to provide drop-off receipt. Although I uploaded all these information merchant was asking for, Chase didn't even use these to talk back to merchant. Since I contacted merchant today on XX/XX/2024 and merchant told me that my back didn't provide back new information. I feel so frustrated since Chase told me that I have time until XX/XX/2024 to upload but they closed my claim without communication back with merchant on XX/XX/2024. And they also contacted me on XX/XX/2024 trying to gather more information regarding this claim. Their behavior has been so inconsistent. 

Now, I am in the position that I have been following all return instructions and done what I can do. Merchant told me to contact my bank to resolve this since they will be communicating with my back. My bank closed it and told me to talk with merchant...
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sterling Infosystems Inc. ()

They are so bad in this and is not only 1 I got trough this experience I wish I never had ... apparently there are people which are not competent to complete a background check with all my possible id I got including passport, driving license, national id front and back, immigration status and all that etc... very unprofessional and there is no one to discuss the actual problem because they won't connect you with anyone no less then 48H..
Consumer complaint received 2024-04-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sklar Law LLC (NJ)

I am writing to report a debt collection lawsuit brought against me by a debt collector for a debt that was discharged in bankruptcy XXXX years ago. Despite the debt being discharged, they obtained a default judgment against me. Pursuing collection on a debt that has been discharged in bankruptcy may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit has caused me significant distress, and I have incurred financial costs in responding to the lawsuit, including filing fees and court costs. I was unable to afford a lawyer at the time. 

I was not aware of this debt in particular, and I never acknowledged the debt with the debt collector or received any notice from them, assuming that my XXXX XXXX loans had already been discharged in bankruptcy XXXX years prior. The original defense I presented was that it was well beyond New Jersey 's 6-year statute of limitations to collect on the debt. Later in the case, I was able to find documentation proving that the debt was discharged XXXX years ago in bankruptcy. 

Throughout the case, debt collectors legal representation has continued to file objections, misrepresenting the bankruptcy code concerning which types of student debts are eligible for discharge, despite providing proof that the debt in question had in fact been discharged as it met the criteria for unqualified XXXX XXXX loans that could be discharged in bankruptcy. The legal team misrepresented facts throughout the case to manipulate the outcome in their favor.