davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX, Experian Credit Reporting Agency, XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1666b. They did not notify me 21 days before my payment date on any of the four accounts they reported late payments on.

15 U.S. Code 1666b - Timing of payments ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

BSI refunded me XXXX from my escrow as overpayment/over balance on XX/XX/21. On XX/XX/21 they left me a voicemail that the check was sent in error. On XX/XX/21, they modified my load payment ( which is autodrafted ) by lowering the draft by XXXX. Now they want me to write a check for XXXX to cover the old escrow balance instead of keeping my original loan payment of XXXX. 

When I spoke with a manager at BSI, they claim they " miscalculated '' my escrow account balance. The check was sent in error, but they can't tell me why my payment dropped by XXXX. 

They have sent nothing to me in writing. This " error '' was only explained to me via telephone and I am not comfortable with that. 

It seems like they are trying to get me to front load an existing escrow account after mismanagement of my payments. 

Please help
Consumer complaint received 2020-10-19
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. (TX)

Name : XXXX XXXX XXXX XXXX Previous Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address XXXX XXXX XXXX, XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX  XXXX, | Date of Inquiry : XX/XX/XXXX My Inquiries Information is not correct. Please update. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX | Date of Inquiry : XX/XX/XXXX My Inquiries Information is not correct. Please update. XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX My Inquiries Information is not correct. Please update. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2020-10-19
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: ERC (TX)

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2020-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (LA)

I have called the company several times I even sent out a demand letter so my car loan can be forgiven they reply back with a cease and desist letter which thats not what I ask for my car note is extremely high and so is my interest rate I pay every month but the balance Im stressed out majority of my check goes to my car note I need help tremendously ...
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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. 

Account name : 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 XXXXXXXX, 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 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 information is inaccurate.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

Requested that XXXX payment be split as follows : {$150.00} Payment and $ {$590.00} to Additional Principal, for a total check amount of {$750.00}. 
Instead they put {$150.00} to Payment, {$10.00} to Late Payment from earlier month, and {$540.00} to Escrow Only payment based on XXXX total check amount of {$700.00}. 
Then they reported my credit to XXXX  and XXXX. They, in turn, reported to XXXX XXXX. The reports show the following : XXXX  reported a balance INCREASE of {$1300.00}. on XX/XX/2020, and XXXX reported a balance DECREASE of {$1300.00}. on XX/XX/2020. THEY ARE NOT CORRECT!!! 
I have filed formal complaint with XXXX  and also just filed a formal complaint with the XXXX XXXX. Spoke on the phone to a Tier 2 agent at mortgage company and sent them a fax. They said it would take 20 days to reallocate money to correct category and that they will NOT send a confirming email or letter. 
Not the first error from XXXX  or from the mortgage company.
Consumer complaint received 2024-02-20
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I set up payments in my XXXX app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said XXXX keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with XXXX and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/2023, I sent in the disputes and they have still not gotten rid of these student loans on my credit report.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX County DA Account # XXXX, XXXXXXXX XXXX XXXX account # 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
Consumer complaint received 2023-06-12
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. (PA)

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.
Consumer complaint received 2020-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (IL)

To whom it may concern : Navy Federal Credit Union is reporting an alleged account with the balance of {$4700.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP (MI)

Today ( XX/XX/XXXX ) I checked my credit score and noticed that between XX/XX/XXXX and XX/XX/XXXX there was a collection account added to my report. The collection agency is Congress Collection and which has never contacted me in any way. The original creditor is XXXX XXXX XXXX of MI XXXX and which also has never contacted me in any way. The supposed unpaid balance on the account totals to {$86.00}. The year the supposed account was opened was XX/XX/XXXX ( XXXX, XXXX ).
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am coming to beg for help, My husband was a XXXX and was laid off when the economy tanked. We went to Bank of America who right after bought out Countrywide. We filed out paperwork for a modification, I would call every Monday, I always got a different story, after several months they would give me some excuse and I would have again do paperwork. I called consistently and this went on until I had done the paperwork, faxed or emailed them 10-20 times. Close to a year and a half I was getting scared frazzled. I called them weekly at this time afraid anytime they would take our home. They had this stupid little guy come every week hand me a piece of paper saying call the bank, he then would take a picture of the house. It was so so embarrassing, we live in a nice neighbor hood. I would tell them I call the bank every Monday dang it. 



After all of these, I typed a letter explaining everything that went on with them for almost two years. I sent it to every government office I could. To my surprise the Attorney General in XX/XX/XXXX called me and stepped in to help. After all this stress and worry we put our home we loved on the market, because we were so worried and stressed to the max. By the time the Attorney general got them to move we had a contract to sell our home for less than we bought it 10 years before. By the time countrywide had reamed us in helping us years early. Our home we purchased for XXXX had a balance of XXXX after 10 years of payments. 



Here is my problem I need help with, I have been fighting our credit reports with Bank of America begging for them to either delete our account off both our credit reports with all three credit reporting agency. In all fairness, my husband after being laid off landed another Job. We could had made our payments, but Bank of America was still working on a modification. They said the first dispute in XX/XX/XXXX that we short sold our home instead of taking that make 4 payments and then we will give you a modification. They only offered after the Attorney General stepped in, we had accepted a short sale contract. 



I feel it is not our fault there is years of 120 days late on our report, they have been holding us hostage since XX/XX/XXXX. We can not buy a home, car without paying 22 %, my husband is XXXX this year, I am XXXX. I have just fought XXXX XXXX, my husband needed XXXX but we cant take a loan because of Bank of America. They ruined people which is on them and in all fairness should delete their mistakes for good people. 



Please we do not deserve to keep paying for what was a mess with the Banking industry and I am tired of them holding us hostage. Why is this all on us, I did not drag my feet and make them jump through their hoops and jerking us around. 



XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (FL)

I have a loan with KAY JEWELERS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called KAY JEWELERS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and KAY JEWELERS with no successful resolution. XXXX XXXX  and XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2018-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I did a financial money transaction via paypal and the funds have not been credited to my account. Paypal claims that they did not correspond with me via email that prompted me on XX/XX/2018 to ship my personal laptop computer to buyer internationally to XXXX XXXX they claim all correspondence with paypal is fraud while Im out of a laptop valued at {$280.00} selling price advertised via XXXX and the payment transaction was suppose to occur via paypal which did not occur. Also I was prompted via email from paypal to ship merchandise produce a tracking number, submit tracking number and funds would be instantly funded to my paypal account the funds is currently pending and the fraudulent emails are consistently demanding more funding.i already shipped the item to be purchased without a credit to my paypal account as the invoice was drawn up for it to be funded on submission of XXXX tracking number. XXXX tracking # XXXX Thank you
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Re : Account # XXXX XXXX XXXX XXXX I am writing to bring to your attention an issue I am experiencing with XXXX XXXX regarding the reporting of a late payment on my credit report. Despite my efforts to rectify the situation with XXXX XXXX directly, the late payment remains on my record, adversely affecting my creditworthiness and, consequently, my ability to secure a home loan. 

On XX/XX/24, I contacted XXXX XXXX to address the late payment appearing on my credit report. I explained that the only late payment was a result of their system failure, which prevented my payment from posting on time. Despite acknowledging the technical issue on their end, they have refused to remove the late payment from my credit report. 

This situation is deeply concerning to me as it unfairly impacts my financial standing and ability to achieve important milestones such as homeownership. I have diligently maintained a positive payment history with XXXX XXXX prior to this incident, and I believe it is unjust for their system failure to penalize me in this manner. 

I kindly request your intervention in this matter to ensure that XXXX XXXX takes appropriate action to rectify their error and remove the late payment from my credit report. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation necessary to assist with your investigation.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 information is inaccurate.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

in accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX REF # XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT NUMBER WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2019-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES (CA)

KINGS CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Kings Credit Service Opened XX/XX/2018 {$46.00} Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I might consider suing your company because you're not fixing the frauduelnt account on my credit report, breaking the law ( Fair Credit Reporting Act ). XXXX agreed to remove this account because they know that this account is fraudulent. See attached.