davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
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. (LA)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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. 


( XXXX XXXX XXXX XXXX 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 2024-07-23
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. (TX)

I was reviewing a copy of my credit report and notice there where some fraudulent account that do not belong to me as this account is not mine and is affecting me to obtain credit I would like this account removed as soon as possible XXXX XXXX XXXX
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the fair credit Reporting act this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (MD)

Equifax failed to provide documentation that I am responsible for several accounts illustrated as delinquent payments. I have not received documentation that XXXX is my account or that I signed any XXXX accounts. 
Also, Equifax has failed to provide documentation that accounts were paid late. I have provided information that accounts were paid as agreed. 
I have provided documentation multiple times illustrating that XXXX XXXX was paid on time. I have disputed vigorously. I am astonished that Equifax has made no apparent effort to verify as I have not seen any documentation. 

Also, I am concerned that the Equifax score that I received is different than what my lender has observed. I received a score of XXXX. However, my lender noted my score was XXXX. I understand scores may differ but believe this should be investigated for fraud, discrimination, and under the Fair Credit Report Act.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credible Labs Inc. (NY)

CREDIBLE accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I hope this message finds you well. I'm writing to discuss an issue with the reporting of my XXXX XXXX account on my credit report. 

The report for this account is not consistent. It displays no data for multiple months and, sporadically, it shows a 'charge-off ' status. This inconsistent reporting pattern suggests the information being provided about this account is not 100 % accurate. 

According to the guidelines under the Fair Credit Reporting Act, all data on a credit report must be completely accurate. In this case, due to the inconsistent and potentially incorrect information reported, it is clear that this standard has not been met. 

This inconsistent and potentially inaccurate reporting is negatively affecting my credit score. Therefore, I kindly request your assistance in addressing this issue by removing this account from my credit report until accurate and consistent information can be provided. 

Thank you for your prompt attention to this important matter. 

Best regards, XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2023-12-20
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: GOLDMAN SACHS BANK USA (CA)

I been in dispute with a charge on my card that was not made by me. Call the company they couldnt provide any information on the purchase. Where it happened what was purchased. I filled a police report with my local authorities. Upload police report 3x Goldman Sachs. Currently enrolled in fraud protection for my identity. Its been about 8 disputes and no resolution.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THIS ACCOUNT WAS ORIGINALLY WITH XXXX XXXX  IN XXXX, THEN TRANSFER TO XXXX XXXX, THAN XXXX XXXX  IN XX/XX/XXXX, THEN TO XXXX XXXX, THEN TO XXXX XXXX XXXX, THEN BACK TO XXXX  LAST XXXX. 

XXXX XXXX HAS FLAGGED THE ACCOUNT AS 30 DAYS PAST DUE THE ACCOUNT IS CURRENTLY ON AUTOPAY FOR {$1000.00} THERE WAS NEVER ANY DOCUMENTS SENT TO ME VIA EMAIL, OR CERTIFIELD MAIL STATING THAT THE MORTGAGE WAS TRANSFERRED TO ANOTHER CREDITOR. ALSO I NEVER RECEIVED ANYTHING FROM MY BANK THAT A PAYMENT WAS RETURNED. 

THE PAYMENT IS DUE ON THE XXXX OF EACH MONTH. PAYMENTS WERE DEDUCTED TWICE LAST MONTH ON THE XXXX OF XXXX, AND THE XXXX OF XXXX, THEREFORE HOW AM I LATE? 

SPOKE TO A CUSTOMER SERVICE REP ON WEDNESDAY XX/XX/XXXX AND THEY SAID THAT THEY DID NOT SEE A 30 DAY LATE PAYMENT ON THERE END BECAUSE OF THE PAYMENT BEING DEDUCTED TWICE IN ONE MONTH.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I opened an Amtrak credit card issued by First National Bank Of Omaha XXXX  2024. I applied for the credit card because it was advertised that if {$2000.00} was spent within the first XXXX months ; the credit card holder would receive XXXX bonus points. The promotional advertisement said to APPLY NOW. So I did. After spending over {$2000.00} within the first XXXX months I received XXXX points ( the standard ). The first time I inquired, I was told the bonus points would be issued in increments. Months after not seeing my points on my account ; I contacted FNBO several more times. The last thing I was told was that I signed up on XX/XX/2024 & the promotion started XXXX XXXX, 2024. It was advertised on XXXX XXXX, 2024 that after spending {$2000.00} in the first XXXX  months the new card holder would receive XXXX bonus points. The advertisement stated APPLY NOW. I only applied for this credit card for the XXXX bonus points. This is false advertising ; the old bait & switch. FNBO should honor their promotion and operate their company with integrity & good customer service. I would like the other XXXX points owed to me. A little restitution is the order of the day. Thank you, XXXX XXXX.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

I was given a {$50.00} credit for the problem I was having with the money transfer option on the online banking app and they decided to reverse the credit which put my bank account in a negative balance on XX/XX/XXXX,. I had previously filed a complaint against PNC BANK FOR this same issue complaint number XXXX. My last response from CFPB was that PNC BANK claimed the investigation is ongoing and no results have been found yet as of XX/XX/year>. As of XX/XX/year> PNC BANK has decided to close my account without contacting me in any way whatsoever. Every time I called I was told that a XXXX was going to reach out to me by phone. I never received any phone call as of XXXX days ago. My last call made to PNC BANK to try to find out what was happening with my account before I decided to make another deposit because they still never told me what happened with the money transfer problem they kept telling me to call XXXX XXXX my transfer went through on the XXXX XXXX end it was posted and paid, the money just never reached my PNC BANK account because of PNC BANK was having problems with their money. Transfer options on the online banking app.
Consumer complaint received 2024-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX I rented a vacation home for XXXX  XXXX through XXXX XXXX XXXX XXXX XXXX. I was instructed by the owner to make payment through a link they provided ( XXXX  ) XX/XX/XXXX After I didn't receive a contract a receipt, I began to worry and searched for the owner 's phone number on XXXX XXXX and when I spoke with the owner he indicated this must have been a scam - that he did not know who I was or receive any money from me. 

XX/XX/XXXX I initiated a dispute with Capital One for the amount charged, {$10000.00} Apparently, someone went on the XXXX platform, created a seller account and a buyer account and acted as me as the buyer. The information XXXX has provided has a profile of me as a buyer but I never made an account and none of the information is mine. 

XX/XX/XXXX Capital One has denied my claim, siding with XXXX who has stated this is a case of Friendly Fraud, insinuating I am in collusion with the seller to fraudulently retrieve funds from Capital One. Nothing could be further from the truth. I never made an account on XXXX and have never received any goods or services from a seller or buyer on XXXX. 

XX/XX/XXXX I am continuing to argue this dispute as I am not satisfied with the result. I am now responsible for {$10000.00} and have received nothing. Not the vacation rental property I believed I was paying for and certainly not the " website design service '' XXXX has indicated I ordered.
Consumer complaint received 2024-06-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (IN)

I received a XXXX XXXX  private loan in XXXX to attend XXXX University. The original loan balance was {$18000.00}. My cost to attend XXXX was {$12000.00}. The loan was paid directly to me by check and was for more than the cost of my attendance. I filed XXXX  XXXX bankruptcy in XXXX of XXXX and completed the plan successfully with a XXXX  in XXXX of XXXX. Navient sent me a letter in XXXX of XXXX stating that my private loan was now in repayment. I contacted a lawyer who sent my bankruptcy information to Navient as a certified letter. Navient received this information but still advises that my loan is in repayment. Upon calling Navient, several representatives have stated to me that private loans can not be XXXX in bankruptcy, which is false. CFPB 's Private Education Loan XXXX  XXXX XXXX XXXX authored an article on the CFPB 's website titled, " Busting myths about bankruptcy and private student loans '' which illustrates that private student loans can be XXXX and are not subject to the adversary proceeding other types of loans require. My loan was for more than the cost of my attendance and was paid directly to me which are both conditions he calls out as a conditions for a private loan that would be XXXX in bankruptcy. Both Navient and XXXX were notified when I filed bankruptcy and had an opportunity to object to the debtor 's plan. Neither company did so and Navient even filed a claim for my federal student loans it serviced at that time. The debtor 's plan was confirmed by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I successfully made my plan payments and received a XXXX  on XX/XX/XXXX. I have attempted to reach several levels inside of Navient to reach a resolution and each level has restated that the loan is repayment with no other options. I have attached the confirmed bankruptcy plan, a claim Navient filed for my federal student loans, and the order granting a discharge.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; LA XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am filing a complaint against XXXX XXXX XXXX for attempting to collect a debt they do not own. On XX/XX/year>, I received a settlement letter from XXXX  regarding a debt originally owed to USAA Savings Bank ( Account XXXX ). USAA has explicitly stated in response to my CFPB complaint ( XXXX ) dated XX/XX/year>, " Our records do not reflect any current or previous accounts ending in XXXX, nor do we transfer or sell our accounts to external banks. '' Despite this, XXXX has entered into an agreement to collect this debt. According to 15 U.S. Code 1692g ( b ), XXXX must cease collection efforts until they validate the debt. Their actions also violate 15 U.S. Code 1692e, which prohibits false representation of debt ownership. I demand that XXXX cease and desist all collection activities, provide a full accounting of all funds received, and return any monies paid for a debt they do not legally own. A certified letter detailing these demands has been sent to XXXX on XX/XX/year>. Attachments include my certified letter demanding that XXXX cease and desist from collecting the debt, and USAA 's response as filed today in Complaint XXXX.
Consumer complaint received 2016-09-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

As I stated in XXXX previous complaints, Nationstar Mortgage has been running a scam to get my house. I received a letter today requesting that I turn over my house to them or sell it. I resubmitted a request for a loan modification ( which they told you I could do after a date that I could even meet the deadline. ) I was not notified of cancellation of my modification, they extended my modification by one month and denied doing so. When I called them, they told me to resubmit my modification request. I did, they then told you I could be reapproved by XXXX XXXX, 2016 ( 3 weeks before I even knew the modification was cancelled. ) I am enclosing the letter I received today. These people have been lying to me on the phone, scamming me, lying to you, ( which these documents and my previous documents prove. ) If I had not borrowed money to bring this account into good standing they would have taken my house and evicted me. I had to pay over {$3000.00} to get my house back from these monsters. I had to sell my wedding rings to get enough money to do this. I am chronically ill, on XXXX and I 'm sure they were counting on me not being able to put together enough money to do this. I have friends with money.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On or about XX/XX/year>, I sent Transunion and XXXX certified disputes that I attached to this complaint. Both agencies failed to thoroughly investigate the errors on my account : XXXX XXXX {$710.00} and XXXX XXXX {$7900.00}. So, on or about XX/XX/year>, I sent both agencies certified letters requesting a copy of their procedures used to investigate my disputes on XX/XX/year>, including the name, title, and contact information of the person at the creditor with whom you did the investigation. Both companies ignored my requests and did not send me a copy of their investigation procedures within 30 days. They left the two errors on my credit reports which has effected me financially and emotionally.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

I HAVE XXXX INQUIRIES ON MY CREDIT REPORTS THAT ARE UNAUTHORIZED. SOME ARE BELOW. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, PLUS MANY MORE.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-20
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. (CA)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.