davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX reported my credit card account as XXXX  days delinquent for XXXX. The XXXX XXXX was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account XXXX days past due for XXXX and not XXXX  days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is XXXX  days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency.

Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for XXXX XXXX shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account. 

-My Credit report shows the XXXX XXXX XXXX payment reported as XXXX  days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with XXXX XXXX, and I look forward to having this issue corrected and continuing to do business with XXXX XXXX in the future.
Consumer complaint received 2023-08-10
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. (LA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX reported my credit card account as XXXX  days delinquent for XXXX. The XXXX Payment was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account XXXX days past due for XXXX and not XXXX  days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is 30 days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency.

Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for XXXX XXXX shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account.

-My Credit report shows the XXXX XXXX XXXX payment reported as XXXX  days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with XXXX XXXX, and I look forward to having this issue corrected and continuing to do business with XXXX XXXX in the future.
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (OR)

My mortgage was recently transferred from XXXX to Mr Cooper and my escrow payment was increased by Mr Cooper. My payments were set up on autopay through my bank ( XXXX ). When I increased the auto payment to include the new escrow amount, XXXX accidentally sent double payments to Mr Cooper ( {$1200.00} XXXX XXXX on XX/XX/2024 ). Mr. Cooper has an automated system that does not allow human contact. I am placed in an endless loop of AI that simply provides " canned '' responses. As such, Mr Cooper refuses to return my double payment, or even speak to me about how it is applied. My girlfriend and I have over 14 mortgages on real estate and Mr Cooper constantly provides the worst customer service of all. {$1200.00} is a lot of money and I feel that Mr Cooper has an unwritten policy to wrongfully retain such funds in order to increase their earnings by way if interest earned. I need my money back. As a side note, XXXX has closed their file and will no longer support me and XXXX 's position is that Mr Cooper received the funds and must return them. Thanks
Consumer complaint received 2024-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NY)

on XX/XX/XXXX i rec 'd a letter addressed to me... letter was dated XX/XX/XXXX for a service at XXXX XXXX from two years ago for my daughter from a company called Radius Global Solutions asking me for money. 
the phone number on the letter is a non-working number XXXX the reviews on this company are very recent and imply that this company is fraudulent and these are scams. 
a little over a year ago XXXX XXXX was compromised and patient info accessed. 
apparently date of service was either XX/XX/XXXX or XX/XX/XXXX for {$220.00}. we have never rec 'd an invoice for this service and i contacted XXXX 's billing dept on XX/XX/XXXX to pay any unpaid balance if one existed and i was denied the ability to pay due to HIPAA laws since my daughter is not a minor and was not XXXX yrs ago. XXXX in the billing department kept repeating " i see what happened and i am updating the account. '' Again, they could not discuss anything with me even any oversights on their part for failure to furnish an invoice for services to my daughter. 
i emailed this company at XXXX to inform them that i am disputing this collection because it does not belong to me and we were never made aware from XXXX there were charges due. i also informed them that if in fact there is a balance due that we will handle it directly with XXXX and they are not to ever contact me regarding this issue as this is not my debt and my daughter has never been notified properly in the last XXXX yrs since the day of service. 
i have not rec 'd a response from them.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (NJ)

Regarding Dispute : National Credit System XXXX XXXX XXXX XXXX XXXX XXXX A amount : {$24000.00} To whom it may concern ; I am disputing XXXX XXXX XXXX even though I already did throughout RENT TO GO. Account showed on my credit after it was removed from my rental history after being disputed. 

This account was disputed because my landlord refused to accept the payments from NJDCA after I was approved Due to Covid 19 I saw myself unemployed from both jobs I had at the moment, which is the reason I was unable to pay my rent. I applied for NJDCA covid relief funds and was approved putting me on a waitlist, which led to me being in court for back payments. 
At my court appointment on XX/XX/2023 I was offered an agreement by my landlord and her lawyer saying that THEY NO LONGER WANT TO WAIT FOR ASSISTANCE, AND TO TAKE MY LITTLE BIT OF MONEY AND LEAVE AND FORGET ABOUT WHAT I OWE.I got scared the lease was not current and it was not my name on it but my kids father XXXX XXXX. 
which they are also trying to charge even after i asked for him to be removed after he left way before this covid even happen. 
I left the premises on XXXX XXXX how they so nicely asked. 
( by NJ law according to XXXX landlords are not to deny assistance which I didn't know ) .I was given 30 days to leave with my kids because if I didnt they were going to evict me and would be a possibility of closing my doors if they continue court procedures. They claimed the government assistance where not going to help me and me being ignorant agreed because why will they not want their money. This was all in front of a judge who second the landlord by saying that this was true, that if i stayed and the follow court i might get my doors closed and be ask to leave without time to prepare. I should sue them because i am currently still homeless House hopping between people I know because of this. 
While homeless with my kids the NJDCA reached out to me claiming they were paying them at the time I was being offered to leave and also that they want to give the funds to my new landlord ( Which I don't have ). THEY ARE RYING TO HELP ME GET THESE FUNDS TO USE ON A DIFFERENT APARTMENT. I have not been able because of my low income which now is another issue and on top this being on my credit if affecting my kids even more. This is my last resort because I was given until XXXX XXXX by NJDCA to find an apartment for this funds or ima have to bring me and my kids to a shelter because I can't no longer stay where I am staying These reports being on my credit is stopping me from getting an apartment. 
If there is anything you recommend me doing please tell me, I feel like I was cornered to aggre to something that either way was meant to make me loose by some professionals that where not trying to help me. 
Thank you in advance
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

A collection account which shows as " XXXX XXXX '' appeared on my credit in XX/XX/2023. I attempted 3 times to contact them with no response. They are falsely reporting to my credit that I opened an account with them in XX/XX/2023 which is " open '' and the original creditor was " XXXX XXXX ''. I moved to XXXX  in XX/XX/2023 and have resided here since. Upon leaving XXXX  I paid all debts in full in term of utility bills, XXXX XXXX  was included. There was no unpaid balance. I did not open any account in XXXX.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/, I opened a checking and a savings account at a Chase branch based on a targeted promotion I received in my email. The promotion said that I would receive {$300.00} bonus in the checking account when one direct deposit is made to the account within 90 days. I made the direct deposit within the time frame, but never received the bonus. 

Regarding the Savings account, the promotion said that I would receive {$600.00} bonus if I open both savings and checking on the same day and maintain {$15000.00} in the account. I have not received any bonus yet. I was told by the banker that I would only get {$200.00} because their marketing departing has an issue with the coupon code. I have tried to contact the bank multiple times and have not received any reply. 

Chase created the following case number, but provided no follow up : XXXX
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CENTRAL BANCOMPANY, INC (MO)

Central Bank repossessed car after denying that my XXXX payments made through their payment website within XXXX month of " late '' pay issue. They offered no assistance in correcting issue. The bank also ordered the repo 5 days in advance ; over a monday bank holiday, after banks closed on sunday, and banking half hours on saturday ; in which i had tried to make payments on more than XXXX occassion ; after being denied a 'receipt ' on account payment from loan dept. over phone, as well as, by the live cashier in the bank lobby ; Resulting, at XXXX, a call arrangement in agreement with loan mgr at my local bank- if i was paying cash-by XXXX ( tue ) that day. The repo driver at XXXX that night, who told me that the order had been issued " a couple days ago '' : ( which would have been XXXX holiday mon, XXXX sun closed, XXXX. Sat half hours, and day # XXXX *Fri for mgr at bank to work that day ) that i " deserved what i was getting bc i 'had not paid my car loan ' ". First of all!!! I Did Pay {$500.00} in previous XXXX weeks to that loan that was current to that date!! Second!!?? WHO IS HE TO TELL ME THAT I DIDN'T MAKE MY PAYMENTS and THAT I DESERVED ANY!! THING THAT HE ( uninvited/tresspassilng ) could or WOULD DO TO ME AT XXXX PM ON MY PROPERTY??? 
I live XXXX min from my bank, WITHOUT MY CAR, after a holiday, and, after, this so-called, bank had shut down all XXXX of my XXXX year old accounts and deleted my account history from the only bank that i had any financial accounts with!! ( Now, no ride=Unemployed ) i had to find and secure a {$7000.00} 'cash ' loan and get to an open bank XXXX. in less than XXXX hour.?XXXX XXXX XXXXsure.
Consumer complaint received 2024-04-19
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (CT)

This was misinformation from XXXX to XXXX. I switched insurance companies and because XXXX sent incorrect information XXXX charged me an additional month of charges. I paid the charges to avoid any negative reporting and still I received it on my report. This is bringing down the report. Please remove from my credit report immediately.
Consumer complaint received 2024-01-16
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: Kikoff Inc. (VA)

XXXX 26 POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$980.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX, XXXXXXXX LENDING LLC 6 POTENTIALLY NEGATIVE MONTHS Credit usage 23 % Balance {$580.00} Balance updated XX/XX/XXXX Credit limit {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2024-07-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC (TX)

Dear Team, I hope this message finds you well. I am urgently reaching out regarding a distressing situation involving an online coaching program offered by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), specifically their course titled XXXX - Author, Speaker, and Coach, which I enrolled in since XXXX of last year. Here are the details : Upon enrollment, I was given only XXXX days to cancel, with no other options to withdraw, despite facing personal challenges and later realizing the program did not meet my expectations. The program claimed to be rooted in XXXX values, which has proven to be misleading based on my experience. 

Efforts to contact XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) via phone, email, and text have been met with consistent delays or no response, intensifying my frustration. Furthermore, they facilitated a loan through XXXX XXXX XXXX, but any support ceased once the loan was processed, leaving me and others feeling exploited. 

The initial cost of the course was {$29000.00}, a substantial financial commitment. During attempts to exit the loan, XXXX XXXX XXXX, the financing provider billed by third-party XXXX XXXX XXXX XXXX XXXX, pressured me with threats of collection actions, resulting in additional payments to mitigate their demands. 

The sales process included undue pressure, unrealistic promises, and restrictive measures, such as prohibiting picture-taking, which targeted vulnerable consumers, particularly within the XXXX community. Recently, a collections agency claimed I owe approximately {$30000.00} for this course, compounding financial and emotional strain. 

Moreover, on Friday, XX/XX/year>, I received a call from this collections agency, XXXX XXXX XXXX stating they had received information about this debt 30 days ago. They threatened immediate reporting to credit bureaus if I did not comply with their demands, which caused significant distress. Despite my request to dispute the debt, I was denied the opportunity to verify or challenge its validity during this conversation. 

I urgently seek guidance on disputing this debt, seeking restitution, and holding XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accountable for their deceptive practices. Assistance in navigating this matter and protecting my family from further harm is crucial. Additionally, ongoing XXXX challenges requiring additional finances have further burdened my family. 

Please let me know if more details are needed to promptly review this case. Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I am writing to dispute inaccurate information on my consumer report. The items in question are detailed below and I request their immediate removal from my report : XXXX. XXXX XXXX XXXX behalf of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX These items are incorrect and have negatively impacted my ability to secure a favorable car insurance premium rate. I respectfully request that ChexSystems investigate these inaccuracies and remove the disputed items from my report. The prompt resolution of this matter will significantly benefit my financial standing and ensure the accuracy of my credit report. Please notify me of the outcome of your investigation at your earliest convenience.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (NJ)

On XXXX XXXX and XXXX I submitted letters to experian disputing the accuracy of the information on said credit report with said company and this information was not verified by experian nor validated by creditor to said debt to be true and made by me.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A. (PA)

My information was used to both make and pay for purchases on several credit cards, I made all aware I was victim of fraud, yet I am now not able to access any accounts to point out what purchases and payments actually came from me.
Consumer complaint received 2023-05-01
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. (NY)

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 act 15 usc 1681. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 conviction 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 reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.