davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC (IN)

Earlier this morning I received the phone call notifying me that I owe them from a debt that they bought from a personal loan company. I notified then that I do not have the money to pay and have no means to do so, I told them to put me on the Do Not Call List and they notified me that they would still contact me and hung up in my face.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

Southwest Recovery Services as its membership organization XXXX have breached confidentiality. A statement was issued for dismissal and was disclosed to the collector for abusive practices i.e. XXXX XXXX XXXX, formerly the membership director. The personally identifiable information disclosed to non-authorized persons was mishandled by Southwest Recovery Services. I often get stalked by Caucasian women wearing black clothing and hair dyed black pursuing me for reconciliation of the amount requested. I have filed police reports for XXXX assault, serious threats of social and political ostracism, and retaliation from the board of governors of the XXXX XXXXXXXX XXXX  XXXX, however, they were dismissed as being sensational. I have been making several reports to the FBI and the Office of the Inspector General ; however, no result has come about, and the stalking and disregard for common law continue -- threats of physical by gang members of assault with the intent to paralyze me and have my cadaver disposed of by drawing it, I've even had Southwest Recovery Services as locals hint at XXXX XXXX XXXX XXXX XXXX XXXX ; which, is the sum of the basis of a claim for asylum filed under the XXXX last Spring.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SYNCB/AMAZON - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (MA)

I am writing to dispute the following, on formation on my file, the XXXX collection account with the Account number XXXX and the date on it says XX/XX/22. The following information on my consumer report is inaccurate and according to FCRA is 15 usc 1681i ( 5 ) which is treatment of inaccurate or unverifiable information, on my credit report, I have send XXXX rounds of certified u.s postal service letters to all the three ( 3 ) credit bureaus and including the the XXXX, original creditor which is XXXX headquarters and the collection they sold its to which is XXXX XXXX XXXX, I sent they beat validation letters, and a Re-method of verification.the account was Re-aged account to my credit consumer credit report and they keep sent my a letter saying my account is verified, but, and I send them XXXX rounds of letters to no avail. I will be happy if u can re- investigate my information and delete the inaccurate information on my consumer reports. Thanks
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH capital 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, ) 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 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PR)

I am disturbed that Equifax continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer, exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, I ', requesting them to delete this information from my credit report and send me an updated copy when this action is completed. 
They did not approved my request
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist Bank is offering a bonus of {$300.00} when you open a new business checking account and complete the following requirements : Use promo code XXXX Make cumulative qualifying deposits of $ XXXX Enroll and Sign In to Truist Online Banking for Business within 30 days of account opening. 
I opened their account with this code and completed requirements but when I called them they told me I never accepted the promotion terms and conditions despite applying the code so I could not get the bonus.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my husband and Is checking and savings accounts as well as my business checking account. This happened while my husband and I were out of the country, XX/XX/XXXX, we had no funds at all. This brought so much stress on both my husband and I. We didnt get any warning in any communication. We were told by the agent over the phone that funds will be released after XX/XX/XXXX. I called yesterday, XX/XX/XXXX, and was told they still dont have a date and funds are still being validated. We already received the bank statements showing the funds and how much is left for each account. Its already more than a month and I want the funds released, its our money. If only they can pay penalty for humiliating us over the phone and doing this to us like were criminals in which were absolutely not, I would demand for them to pay. I am beyond frustrated trying to guess when theyre going to give our money back. Please, help us.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to seek clarification and verification regarding the reported late payment associated with my BANK OF AMERICA account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MN)

I had. XXXX XXXXXXXX XXXX  times and lost my job and income XXXX and XXXX in XXXX I had a XXXX XXXX XXXX XXXX which led me to apply for a hardship. Instead of receiving XXXX XXXX relief XXXX came after me and sold my loan during a hardship assistance approval and all payments made to the XXXX Illinois were not applied during my hardship when I had the original account. XXXX and Mr. Cooper located in XXXX XXXX mortgage was given notice a bankruptcy would be in effect starting XX/XX/XXXX and my first payment will be a month from this date in XX/XX/XXXX. The evidence I would like to submit for the hearing is the following. 
Payment made by money orders XX/XX/XXXX first paycheck was cashed at XXXX XXXX my last XXXX ssn XXXX mailed in. 
XX/XX/XXXX payment of XXXX was paid confirmation number XXXX This payment was intended for XXXX XXXX XXXX XXXX XXXX was made over the phone confirmation number XXXX XXXX and XX/XX/XXXX payment was combined into XXXX payment on XX/XX/XXXX XXXX/XXXX/XXXX XXXX dollars confirmation number XXXX. 
XXXX payment was made in XXXX payments, XX/XX/XXXX XXXX dollars and confirmation number XXXX XX/XX/XXXX for XXXX dollars confirmation number XXXX. The XXXX payments total XXXX. I was told when I called by a representative that my initial payment of XXXX would be enough because I have XXXX in my Miscellaneous account sitting there and can be applied if my lawyer let XXXX know since he is in charge of my bankruptcy but it was not. I also have a Holding account with funds sitting in the account in the amount of XXXX dollars and ( Holding Account ) as if XX/XX/XXXX On XX/XX/XXXX I was told that I needed to make a payment of XXXX extra for XXXX 6 months to catch up so I made a payment on XX/XX/XXXX Over the phone in the amount of XXXX confirmation number XXXX This concludes my payments Now I am facing loosing my home and they have added with my bankruptcy lawyer XXXX additional payments in 8 months to my loan ending after XXXX XXXX in the amount of XXXX plus XXXX as a single mom and I dont know how they came up with this because I paid them. 
XXXX XXXX XXXX money orders XXXX mailed in not Over the phone a picture of the receipt can be found as an additional attachment there is no confirmation number but it was recorded as received and applied to a different loan from a sister company XXXX in XXXX  and with a totally different loan number. This was my previous account before XXXX Illinois sold my mortgage to XXXX Mr. Cooper in Texas. I filed Bankruptcy XXXX XXXX repayment plan with payment going to my lawyer each month of XXXX separate from my mortgage. Please help me XXXX Sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote :
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-29
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. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (HI)

On XXXX I was scammed by a phone contact claiming to be XXXX XXXX XXXX, regarding my XXXX XXXX XXXX credit card through Barclay 's bank. I immediately called the Credit Card Customer Service number on the back of my card ( XXXX ) and was directed to another Customer Service phone number ( XXXX ) to report the problem and request a new card and number. I was assured that I would not be liable and that a new card would be sent out and would arrive in 2-3 weeks. When the card did arrive, I tried to activate it online, and was denied access because the *new* account was frozen due to a fraud claim. At that point I started calling Barclay 's trying to get the account unfrozen and to pay my annual membership fee ( {$89.00} ). This quickly turned into a game of " XXXX '' and with my being told that I needed to deal with the Fraud Department . Each Customer Service rep gave me different numbers to call and different hours of operation. This is important because there is a 6-hour time difference between XXXX  and the East Coast of the U.S. At no time was I allowed to pay my outstanding balance. And, at no time was I allowed to speak with anyone who could unfreeze my account. A list of the phone numbers I was given and the departments I talked to is attached. There was no consistency of the information I was given, and all my phone calls have ended up rolling over to a main number. In the mean time, my credit rating has gone from XXXX in XXXX to XXXX in XXXX - all based on the information provided to XXXX XXXXby Barclays XXXX *. Then today I get a notice from Barclays that my credit card limit has been reduced from {$22000.00} to {$500.00} based on a report provided by XXXX, and again based on the information given them *by Barclays . *. I got a similar letter from XXXX XXXX XXXX 

I am at my wits end trying to get this fixed. I have made every good faith effort to pay my bill in full, but due to what seem to be process issues and errors on Barclays I am unable to do so, nor am I able to gain access to my accounts. 

At first I was annoyed, but now I'm very angry. I'm feeling hopeless and helpless and at the mercy of a bank that simply doesn't care.
Consumer complaint received 2024-06-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received an AMEX gift card. I went to https : //balance.amexgiftcard.com/ to see my balance. The full balance was present. 

On XX/XX/year>, I attempted a purchase on XXXX. I entered the card number, the expiration date and security code. The card was declined. 

On XX/XX/year> I attempted a purchase on temu.com. I entered the card number, the expiration date and security code. The card was declined. 

On XX/XX/year>, I tried to buy pizza at XXXXXXXX XXXX online. I entered the card number, the expiration date and security code. The card was declined again. It only went through when I used the card in-store. 

I used the card at XXXX, a grocery store. It was an in-store purchase and it went through. 

I tried to add my AMEX gift card as a payment on XXXX on XX/XX/year>. There is a pending charge of {$0.00}. Today is XX/XX/year> and the charge still has not gone through. 

On XX/XX/year>, I attempted to purchase XXXX XXXX XXXX  XXXX XXXX XXXX I entered the card number, expiration date and security code. The card was declined. 

After several days of declined purchases online, I called customer service on XX/XX/year>. I was told to keep trying other online merchants until the card worked. I asked for a list of online merchants where the card is valid. Again, I was told to keep trying other online merchants until it worked. 

It says on the AMEX gift card website that this card can be used in-store and online. All of my online transactions were declined so this is not true. 

Many people have been reporting this problem last year and this year.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (HI)

On XXXX I received a call from XXXX XXXX XXXX for XXXX debt on a surge XXXX. When I told the caller to send written verification because I felt uncomfortable with dealing with them by phone they put their manager on the phone. The manager threatened to send my debt to their lawyers if I did not make a payment today. They also stated they were talking to me on a. Recorded line. This company has continued to call me even though I told them I have not received written notification from them and they said they have been trying to contact me since 2023.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

Regional Acceptance acct # XXXX is falsely reporting a negative account listing on my XXXX XXXX credit report that is beyond the seven-year reporting period. This company falsely re-aged the account in order to continue reporting it when it should have been removed from my report at the end of last year. Regional Acceptance has removed their false information from my XXXX and XXXX reports last year. When I dispute with XXXX it always comes back verified or the date expected to fall off my report keeps changing. Last year it said XX/XX/XXXX, this year it says XX/XX/XXXX. XXXX Regional Acceptance is responsible for the false reporting or XXXX is. Either way, the negative reporting on the account is beyond seven years from the date of last activity ( XXXX, not XXXX as they falsely reported ), is obsolete and needs to be deleted from my XXXX report immediately.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail 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
Consumer complaint received 2024-06-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

This loan was settled in court and all fees was waived in the amount of {$2400.00} With invitation XXXX XXXX XXXX Of 2023! This XXXX XXXX XXXX Fair Collections & Outsourcing , Inc ) Has Not Provided Me With The Original Agreement From The Purchaser And Is Reporting A Balance Of {$12000.00} On My Credit Report As Of XX/XX/year>!
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MN)

collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) bet yet they placed a collection on my consumer report.i have not yet been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( 4 ) ( I ). Collection agency is violating my consumer right by using false misleading, misrepresentation and deceptive means. collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) A.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (FL)

I have a check from my work and the bank they used is XXXX. The check is for {$620.00}. I did a mobile deposit on SoFi bank last week and it some how lowered the amount to {$62.00} dollars and they accepted it. Ive contacted SoFi numerous times and they said theres nothing they can do on their end and I have to deal with XXXX bank to do a fed adjustment. I contacted XXXX bank and they confirmed the check cleared for the full amount and that SOfi bank needs to change it on their end
Consumer complaint received 2024-01-29
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)

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.