davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with ( XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 b
y 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 XXXXXXXX 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 2023-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 at around XXXXXXXX XXXX. there was a hard credit inquiry on my credit report accounts from the bank capital one that I never applied for. I was checking my emails on XX/XX/2023 at around XXXX XXXX and noticed I had many of them from cXXXX XXXX XXXX XXXX XXXX XXXX notifying me about the credit report on the inquiry.
Consumer complaint received 2024-06-17
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (NY)

On XX/XX/24 I went to XXXX XXXX  and received one session of service. I subsequently had to cancel and noticed they had charged for multiple sessions, under my XXXX XXXX  account. I asked that they refund me, as I had no intention of returning and that they should not have charged me, until I used their services. They agreed to provide a refund but insisted I needed to return to their establishment to do so? I told them that this was not necessary. As per their own web site, the pricing structure is per session. As per copies of text messages they agreed to refund me and have not done so. The bank, Synchrony refused to resolve the dispute. I should not have to pay thousands of dollars for something I did not get.
Consumer complaint received 2019-07-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation (DE)

Went to settlement with Academy Mortgage on XX/XX/2018 to purchase our home. We received a bill from our local town this month for city property tax in the amount of {$1000.00}. Apparently Academy forgot to add our local property tax to our escrow account without our knowledge. We are now struggling to find the funds to pay this unexpected tax or face foreclosure on our home
Consumer complaint received 2023-03-13
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. (NV)

I discovered that Equifax credit Bureau reported the same account in my credit report which is incorrect when I reviewed it. The bureau requires to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$1300.00}
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (VA)

PNC offered a sign up bonus after {$2000.00} Direct deposit and 10 debit transactions. PNC notified me that several deposits were direct deposits. I thought I met the requirements until the end of the promotional period when they refused to honor their offer.
Consumer complaint received 2019-07-04
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)

XXXXXXXXwasmaileddisputesregardingmycreditreportfortwomonthsworthoflatepaymentsreportedfromXXXXandXXXXofXXXXcausingmetohave6(six)latepaymentsshowonmycredit.Aftermorethan6monthsitwasfinallyresolvedandXXXXXXXXsentcorrespondencetomeandalsoherethattheissuewillbecorrectedandtheupdatewillreflectonmycreditreportswithin60daysfromXX/XX/XXXXwhichitwas.
However,XXXXXXXXcamebackhereonCFPBinXXXXandstatedthatagaintherewasanothererrorandthecorrectiontoremovethelatepaymentsfromXXXXandXX/XX/XXXXwasalsoremovedinerrorandthatthelatepaymentsshouldremainonmycreditreports.
MyissuewithXXXXXXXXisthattheyarenotresolvinganissuethattheycreated.Ihavesentseveraldisputestothiscompanyandhavenotreceivedanyformofresolutionthishastakenatollonmementally,physically,andemotionallytohavetoendurepainandsufferingallbecauseoftheirmistakes.Nooneatthiscompanyhastakenaccountabilitytoresolvemyissue,pleaseassistandIwanttheselatepaymentstoberemovedonceagainfromallthree(3)ofmycreditreportsimmediately.

Fortheircompanytoagreetoupdatethisinformationthenlatergobackandaddittomyreportisdestructivetomycreditworthinessandillegal.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (NJ)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My Equifax consumer report has inaccurate information. Report # XXXX. 

I recently obtained my Equifax consumer report from XXXX 

On page XXXX, under XXXX FAMILY SUPPORT DIVISION there are numerous inaccuracies. 
The available credit limit is missing. 
The Payment History information is completely missing from XX/XX/XXXX through XX/XX/XXXX, and XX/XX/XXXX through XX/XX/XXXX. 

It also shows XX/XX/XXXX through XX/XX/XXXX as being XXXX past due. Nowhere does it show 30 days, 60 days or 90 days past due. This is inaccurate. I was never past due on this account because payments were automatically paid. 

High Credit and Credit Limit Information is missing. Amount Past Due and Actual Payment Amount is missing. Date of First Delinquency is missing.

Creditor Classification is missing. Scheduled Payment Amount is missing. Delinquency First Reported information is missing. 

Please make the necessary corrections or delete the account from my consumer report. It is causing me harm.
Consumer complaint received 2024-07-12
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 account with XXXX XXXX  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 XX/XX/2022 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  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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

My right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I have 2 mortgages ( in Florida ) with Flagstar Bank for about 3 years and during my time with Flagstar I have never had any late payment. When I requested escrow accounts waiver, Flagstar told me that they charge XXXX XXXX of principal balance in order to waive escrow accounts. I have a total of 11 mortgages ( in Florida ) with 8 different lenders and they all waived escrow accounts after 1-year on-time payment without charging a fee. Why only Flagstar bank is allowed to charge such large amount of fee to waive escrow account? 

If the escrow accounts are waived, I can manage the money myself deposit it in a high-yield saving account today for XXXX XXXX interest or buy short-term treasury bill to earn over XXXX XXXX  interest. Why is Flagstar Bank is allowed to hold our money for free ( i..e. they don't pay homeowners interest for the escrow money ) and they can use this money to earn over XXXX XXXX  interest?
Consumer complaint received 2024-08-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I have tried to obtain verification of this debt fromXX/XX/XXXXAccount Number XXXX regarding an alleged debt from an original creditor XXXX XX/XX/XXXXI am requesting complete validation of the original debt in its entirety to include : Ownership of debt Identifying documents Original contract Date of original account opening Date of original account delinquency Original account payment history I have not received any such information. 

I was never notified of the debt prior to it being reported to my credit report.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to XXXX. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse. 

1. Actual Damages : - Cost of legal representation : $ XXXX - Loss of productivity and time : $ XXXX  - Emotional distress and inconvenience : $ XXXX 2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ XXXX  Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2018-08-02
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. (GA)

creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX/XXXX  account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX account # XXXX  balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX creditor : XXXX XXXX   XXXX  account # XXXX creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX balance:XXXX creditor : XXXX XXXX XXXX account # XXXX  balance : XXXX   creditor : XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX/XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX XXXX , GA. XXXX  XXXX XXXX XXXX XXXX, GA. XXXX THE FOLLOWING INQUIRING ARE UNAUTHORIZED : XXXX XXXX XXXX   CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 informationisinaccurate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 


( 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 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I noticed this XXXX Account has fraudulent late payments on it. I've tried fixing this issue with the buearus, only to be told it's coming back as verified. It's impossible to come back as verified so obviously my account has been compromised, and I'm a victim of identity theft.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2024-06-18
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. (MS)

PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

Im trying to get a mortgage as well as credit and XXXX different companies are not able to pull the credit from Equifax! The file states too large and XXXX credit score which is not correct. The issue is they refuse to remove a XXXX soft pulls from XXXX XXXX and any other soft pull! They refuse to help me they have said XXXX times that nothing is wrong and sends me to the consumer affairs representative who states there is nothing wrong and verifies my information and keeps telling me wait XXXX hours and have them repull the credit. Its been XXXX months and nothing changed is why Im not coming to your business for help! I need a mortgage and they refuse to do the work and research to remove soft pulls. They said they are no freezes which I already knew but I need help! 
Thank you XXXX XXXX.