davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

My account with XXXX XXXXXXXX, XXXX XXXX, 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 60 days 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 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 XXXX
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

The previous CFPB case on fraudulent activities was closed with reference to a previous response letter.Yet, neither letter address or reference all of the scammed checks ( totaling $ XXXX ) .Further, neither letter provides information at which branch these checks were cashed, nor include a copy & confirmation that signatures were compared against a signature card. Nor did they share any further video evidence / cctv footage or answered where their security team is located in MA. 
The same scammer is still active ( shared details from another victim including police report ) and it looks like the scammer is a Citizens customer that is taking advantage of Citizens Bank 's procedures to scam other Citizen Bank customers. 
It's sickening that Citizens Bank is profiting from this very same scammer, and is not doing more to collaborate with victims to prevent this from happening.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-23
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. (IL)

I tried once already contacting you guys to get this resolved to no avail so now I filed rept with XXXX XXXX number XXXX of which I include with this complaint I want XXXX off my report I neverb gaveanyone permission to check my credit let alone 3 times along with XXXX
Consumer complaint received 2024-08-26
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

The reason why I need to file a case on this issue is because on XX/XX/XXXX XXXX I was scammed by fake fraudulent company that was claiming to be called XXXX XXXX from XXXX XXXX and they sent an email to my XXXX account and on the following the told me to download this app called XXXX and basically allows the other user to have access over your device and on that process they had stolen money from all my accounts from my Wells Fargo Bank I took screenshots of the incident. The scammer was sending money to XXXX through a bank called XXXX. He took money from my XXXX and was sending the money through my old XXXX XXXX account and through that while going to checking account savings account and credit card he told me to tell the XXXX XXXX  to make it sound real and I never us this third party Bank in my life including the lady that was i sending to named XXXX XXXX, as soon as the incident took place, I called Wells Fargo and stated that there was a fraudulent situation that took place and I called Wells Fargo around XXXX XXXX so that we could start a case. They proceeded to change everything about my account giving me a new account number giving me a new checking, new savings and new credit everything was good the funded me back all the money until 4 months later they credited me for {$1500.00} and took the money out of savings account without giving me a notice or provided any reason to why during the time. So I call Wells Fargo and started a case on that behalf of my savings account. Every time I started to ask about case during the 10 day process they told me to wait 10 days on regarding of the situation and every time I waited they would close the account case and say that the case is closed. I've been going back and forth for days now. Almost about a week to 3 weeks going.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (OK)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-14
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. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MA)

XX/XX/year> Re : American Express Credit Cards, I am a XXXX XXXX XXXX, semi-retired XXXX. I have carried an American Express card for some 41 years. I have always been loyal to the brand throughout that time and had an exemplary record of payments and interactions. I felt that American Express 'Had my back ' throughout that time. Yesterday I received an email notice from Amex that my account had been CANCELED. I have always made payments on time and significantly higher than required. To my knowledge, there were no issues that could have prompted this action. I feel betrayed. I feel that American Express has no regard for my loyalty, and further, has no respect for my age ( XXXX ). I spent more than 4 hours on the phone and on hold only to be disconnected when required 'team ' member picked up. When I called back, I was told that I would have to be re-connected to the 'special team ' for resolution but that their 'system ' was down and it would be another extended wait. I opted to use online chat and asked to be connected to the relevant " team ''. I was told to call back. In late XXXX of this year, I was notified by American Express, that another fraudulent payment had posted to my account, for {$9000.00}. I immediately chatted with Amex rep, since it was after hours, and was told to call back in the morning, which I did. After spending several hours on the phone with no less than 6 employees, I was told that the issue would be investigated and resolved. I intend to pursue these unexpected and unreasonable action on the part of American Express in any manner possible including social networks, government agencies, and potential legal actions of age discrimination. Your prompt and diligent effort are appreciated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB, XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-04-22
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. (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : XXXX XXXX XXXX, has violated my rights.

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

This Creditor is reporting incorrect information on my credit reports.
Consumer complaint received 2024-08-03
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)

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. 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 information is inaccurate. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I demand the following accounts be verified or deleted immediately. 



1. The following personal information is incorrect Account Number : Employers : XXXXXXXX XXXX XXXX 2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please delete immediately. 

4. There was never late payment in XX/XX/year>. 
XXXX XXXX Account Number : XXXX If unable to provide proof of late payment XX/XX/year> then please update to paid as agreed never late. 

5. Please verify or delete. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please delete immediately. 

6. Please explain how you verified this account to remain on my report when it has already been sold and transferred to another lender. 
XXXX Account Number : XXXX If unable to explain then please delete immediately. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Delete immediately. 

8. Please verify or delete. 
XXXX XXXX Account Number : XXXX Please delete immediately. 

9. How are you reporting this account on my report when it is a MEDICAL collection and a HIPPA violation XXXX XXXX XXXX Account Number : XXXX Please delete immediately. 

10. How are you reporting this account on my report when it is a MEDICAL collection and a HIPPA violation XXXX XXXX XXXX XXXX  Account Number : XXXX Please delete immediately.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (WY)

On XX/XX/24 at XXXX XXXX I received a phone call from XXXX. I answered and it was a lady who asked for me. I said it was me and asked who she was and she said " its a personal business matter. '' I asked who she was with and she said " Credit Control and you have a personal business matter debt '' I asked if she was in Wyoming as XXXX is a Wyoming Area Code and she said " No, I am in XXXX. '' I said you should not use a Wyoming Area Code '' and asked for a supervisor. A man came on the phone and I explained I thought it was wrong that they were using a Wyoming Area Code and said " I have no knowledge of this debt and I need it verified. '' He said since you are being uncooperative I will remove you from our calling list. I said " no I am asking to verify the debt in writing and I will provide you the address to send it to '' He said " No and hung up. '' This should be illegal.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

For many years we have paid our credit card balance in full by having it automatically withdrawn from our checking account. We were away on vacation and when we returned we found that no withdrawal had been made that month to pay our bill. We called the company to find out why. The rep stated that he could see we always paid that way, but for some reason, that he couldn't understand, the system had not worked that month. He said we weren't the first people to call and complain about this same thing. The system just seemed to be dropping people out of auto pay with no explanation. We asked for the interest charge to be removed since it wasn't our fault they had not made the auto-withdrawal. He said he would submit that request and we should hear something in a couple of days. I did receive a letter about a day later stating that the interest charge would NOT be rescinded, and to add to my frustration they had the gall to suggest that to pay our bills on time, in the future we should sign up for automatic withdrawal! They also stated their decision was final and could not be appealed. 

It's not that we can't afford the interest charge, it is the principal of the thing. They are actually cheating us out of money and charging us for their own error.
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I requedt debt collection agency to not share my personal information with any third party, affiliates, or outside agency/company yet they shared my information anyway. I also asked for them to verify i owe debt by sending me a sign contract with my wet signature and all prior statements showing all prior payments to debt. I was not given any information. I also requested the 3 credit bureaus ( XXXX, XXXX, and XXXX ) to validate these account
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

CFPB, I've been trying for over 1 years with Equifax to remove all incorrect addresses from my consumer report. It's like they are ignoring my requests and I'm not happy about it. I will have my lease attached, and the incorrect address as well.
Consumer complaint received 2024-08-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

Cancelled escrow XX/XX/2024, XXXX because Carrington habitually changes my VA loan monthly amount for 4 of 6 months. As of XX/XX/2024 the monthly payment amount is still changing monthly. I'm on VA XXXX ....
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CA)

Throughout the end of XXXX and into early XXXX I received notices from my mortgage company, Freedom Mortgage, and my fire insurance company, the XXXX XXXX plan, that there was a problem in getting my fire insurance paid through the escrow account. 

I called Freedom Mortgage to ensure they had the information they needed to pay and premium on the policy and was told not to worry. I was expiring on XX/XX/XXXX and payment would be made prior to cancellation. 

I also have a homeowners wrap around policy with XXXX that was supposed to be impounded as well. On XX/XX/XXXX I received notice that my XXXX  policy had expired so I paid it out of pocket and called Freedom Mortgage to get an update on the XXXX Plan fire insurance. 

Freedom Mortgage informed me they weren't impounding for my XXXX policy and that the XXXX Plan had been paid. 

I travel for work and got home to a letter stating that my XXXX  plan had not been paid and it was subsequently cancelled. 

Again, I called Freedom Mortgage and talked to an agent who could see the, in her words, " extensive history, '' of my calling to deal with this issue and could not explain why I had been told the policy would, and later, had been paid when it hadn't. 

My wife, XXXX XXXX, called later in the morning to see what could be done to reinstate the insurance ( short answer-nothing ) and understand why the payment hadn't occurred. Suddenly they couldn't see the call history that the previous person could see. 

I have had to reapply for insurance and the XXXX  Plan won't accept payment from Freedom Mortgage and I am trying to get reimbursement from my escrow from Freedom Mortgage so I can pay that bill. I have called three times today over the last 2 hours, no one has been any help. The first two calls were ended while I was on hold and had to restart the entire call process again. 

Freedom is the 6th or 7th mortgage company I have had to service my mortgages and the only one that has been a failure. Pure and simple this company is untrustworthy, incompetent, and has wasted hours of my life to not deliver on the simple task of paying my insurance with the money I already paid them.
Consumer complaint received 2024-07-19
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. (AR)

15 U.S. Code 1681 states Reporting Transaction history is illegal.

`A Charge off is considered a certificate of indebtedness which means it is income and must be removed.
Consumer complaint received 2024-07-17
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. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

EXPERIAN KEEP MESSING WITH MY CREDIT SCORE FOR NO APPARENT REASON! I AM SO SICK AND TIRED OF THIS CREDIT BUREAU. I DO NOT UNDERSTAND THE FUEDING HERE, BUT I WILL KEEP FIGHTING THEM AS LONG AS THEY ARE VIOLATING ME FOR NO REASON. WTH..IS WRONG WITH THE PEOPLE THAT RUNS EXPERAIN. I DO NOT CARE XXXX IS THERE PROBLEM BUT EXPERIAN HAD BETTER FIND ANOTHER CONSUMER TO KEEP # # # # # WITH. OK... I DO NOT UNDERSTAND THE HOSTILLITY. EXPERAIN IS RETAILATING AGIANST ME OK. CPA MAKE THIS BS STOP! I WILLNOT KEEP TOLERATING THIS UNNECESSARY ABUSE OF BEHAVIOR FROM EXPERIAN. THERE IS NO REASON FOR THIS! IF THIS RETALIATION IS BECAUSE I AM GETTING READY TO SUE THE XXXX OUT OF THIS BUREAU, THEN EXPERIAN JUST NEEDS TO LEAVE MY CREDIT REPORTS ALONE! I HAVE DONE NOTHING TO EXPERIAN .. EXPERAIN XXXX FOR NO REASON SCREWING WITH ME AND I AM NOT HAVING THIS HARASSMENT FROM EXPERAIN XXXX AS OF TODAY, EXPERIAN GETS BACK AT ME BECAUSE I CONTACTED CONSUMER PROTECT TO FILE COMPLAINTS AGAINT EXPERIAN FOR HARASSMENT, VIOLATIONS OFMY BAKRUPTCY AND VARIOUS OTHER THINGS. I AM SO GLAD MY BANKRUPTCY HAS NOTIFIRED ME AND IS NOW GETTING INVOLVED TO STOP EXPERIAN. THIS IS THE MAIN REASON WHY I AM SUING THE EXPERIAN CREDIT BUREAU. EXPERIAN KEEPS BREAKING LAWS AND VIOLATING ME FOR NO APPARENT REASON. I HAVE NO IDEA WHO THESE PEOPLE THAT RUN THIS CREDIT BUREAU ARE PERSONALLY I DON'T GIVE NOT ONE DAMMM OK ... JUST MAKE EXPERIAN STOP THE HARASSMENT. 
AS OF TODAY, EXPERIAN STARTED RETAILATING AGAINST ME BY SCREWING WITH MY XXXX XXXX? WHY ... FILING DISPUTES HAS NOT XXXX XXXX XXXX TO DO WITH THE CHANGES IN MY XXXX XXXX AT EXPERIAN. XXXX EXPERIAN DROP MY SCORE XXXX POINTS FOR? 
AS OF TODAY, I AHD A XXXX XXXX OF XXXX AND NOW AS OF TODAY MY XXXX XXXX DROPS TO A XXXX? FOR WHAT? I'VE DONE NOTHING WRONG! PLEASE ASK XXXX WHY... YOU KNOW CONSUMERS CAN NOT REACH THESE FAKE XXXX PEOPLE ON PHONE OK... THIS CREDIT BUREAU EXPERIAN IS FACING DANGERIOUS WATERS .... EXPERIAN BROKE LAWS BY WORKING XXXX WITH OTHER CREDITORS TO PURPOSLEY RUIN ME WHY... THERE IS NO REASON FOR THIS MESS. XXXX THIS XXXX! CONSUMER PROTECTION WHERE THE XXXX IS MY PROTECTION FROM YOU? WHERE ... THIS RETAILATION EXPERIAN IS STRICKING AGAINST ME IS UNNECESSARY. THIS IS ELDER ABUSE AND I AM NOW GOING TO GET IN TOUCH WITH DEPT. OF JUSTICE CIVIL RIGHTS DIVISION TO PUT A COLD STOP TO THIS UNNECESSAY HARRASSMENT FROM XXXX. CPA YOU HAD BETTER STOP THIS HARASSMENT FROM EXPERIAN ITS YOUR RESPONSIBILITY!
Consumer complaint received 2024-06-23
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. (CA)

I am writing to report unauthorized inquiries on my credit report that I believe are due to identity theft. These inquiries concern credit card applications with XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX & XXXX, XXXX ), as reflected in my Experian report.