davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have wrote Capital one and the three credit bureaus for than three times in the state of Michigan credit card only have 6 years for statutory of limitations also there have falsified my document with the three bureaus of the dates and time of my last payments and added information to prolong this on my credit The write off is holding up my credit for than the legal Michigan laws.
Consumer complaint received 2022-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

XX/XX/2022, I sent XXXX via PayPal to XXXX XXXX for tickets to a XXXX game. They insisted to send it as PayPal Family and Friends, and they would send tickets right away. As soon as the money was sent, they blocked us on XXXX and didn't send any tickets. Within the hour, the same day, I sent a report to XXXX, and asked XXXX XXXX for the money back. PayPal declined my request even though the funds have not left my back account yet. My bank says I have to wait to until the funds leave my account before they can investigate. PayPal says XXXX will have my money by XX/XX/XXXX, they should stop the transaction. 


XXXX XXXX - XXXX XX/XX/XXXX, XXXX Sent - {$94.00} Your recipient should have the money by XX/XX/2022. 

Repeat this transaction Paid with ( XXXX XXXX XXXX XXXX XXXX ) {$94.00} Transaction ID XXXX Contact info Message XXXX XXXX Note Tickets XXXXXXXX XXXX XXXX Sent to XXXX XXXX  {$90.00} Fee {$4.00} Total
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On Sunday XX/XX/22 at around XXXX CST, I made my Capital One payment online for my credit card ending in XXXX. When I tried to submit the payment, Capital One 's system, grayed out the XX/XX/22 date and pushed my payment to Monday XX/XX/22- where it showed : " Late '' in red and causing me to incur their {$29.00} Past Due Fee. I called Capital One 's customer service number immediately to request a fee waiver and was told by a XXXX  XXXX, to call back on Tuesday XX/XX/22, when their system updates and posts my payment along with the Past Due Fee. I asked the rep. " if your systems do not update until Tuesday, why would it require my payment to post by a particular EST time on Sunday and then force my XXXX payment to post late XXXX? '' The rep. did not have an answer to my question except to read his script stating that my monthly statement says I must pay by a certain - EST time in order for it to be credited on the due date. 
I called Capital One this evening - XX/XX/22 and spoke with a customer service rep. who reviewed my account. She then apologized and stated she can not waive the {$29.00} Past Due Fee. She was also unable to give me a straight answer as to why she could not waive the late fee. I then asked to speak with her manager or a supervisor. 
Manager - XXXX ( ID # XXXX ) provided a little more insight. XXXX reviewed my account and said that I do not have any " offers '' on my account in order for her to waive the {$29.00} Past Due Fee. I asked XXXX if I've had any courtesy late fee waivers in the last 12 months and she said " no ''. She reiterated that I must have " offers '' on my account in order to qualify for a late fee waiver. I'm about a 20+ year Capital One customer.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXXXXXX XXXXl XXXX XXXX XXXX 1-20 late payment wrongly reported XXXX XXXX XXXX XXXXXXXX remove whole account or update every late payment XXXX XXXX XXXXXXXX XXXX and XXXX of XXXX late payments wrongly reported XXXX XXXX XXXX XXXX, XXXX of XXXX late payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXXXXXX XXXX XXXXXXXX XXXX XXXX late payments wrongly reported XXXXXXXX XXXX XXXX  XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXX XXXX remove whole account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( TRANSUNION ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXXXXXX remove whole account or update all late payments 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have sent multiple letters to all three credit bureaus XXXX, Transunion, and XXXX. Even the basics of my name are incorrect. There has been a variation of my name a middle initial of XXXX My middle name is XXXX. They have ignored my many requests over the course of a year of letters I send in asking them to update this. 

I also have many accounts that are misreporting, inaccurate, missing information in the accounts, inaccurate numbers, etc. How is it possible for them to verify any of these accounts if nothing has updated in over a year. 

I have sent letters on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 This is just this year alone. 

I need help because they are not responding, and my patience has been pushed beyond its limits.
Consumer complaint received 2022-10-02
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: CCS Financial Services, Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, & XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (CA)

Dispute : case ID | XXXX XX/XX/2022, I received some genuine info and true facts from one supervisor at Citibank dispute department XXXX The supervisor was genuine and honest and gave me the true correct info. 

On XX/XX/XXXX I asked XXXX to withdraw the complaint, he did not. On XX/XX/2022, I spoke with the supervisor named XXXX at XXXX pm who confirmed the dispute was withdrawn on XX/XX/XXXX by XXXX. XXXX lied to me to cover XXXX 's back and went ahead and withdrew the dispute behind the scenes. XXXX said that on XX/XX/XXXX which is the same day the merchant apparently sent paperwork to Citibank. Another XXXX  supervisor from XX/XX/XXXX told me I already lost the dispute on XX/XX/XXXX because according to this XXXX supervisor Citibank received paperwork from the merchant on XX/XX/XXXX when I apparently lost the dispute. I have been recently informed that the merchant never sent any communication to Citibank at all regarding that dispute. All these supervisors from XX/XX/XXXX have given me misleading information and have put fake misleading notes in my account under this dispute transaction of {$150.00}. 

I would like to know why this happened. Why did XXXX not withdraw the complaint on XX/XX/XXXX? Why did XXXX XXXX to me and withdraw the complaint behind the scenes? Why did XXXX lie that on XX/XX/XXXX Citi received paperwork from the merchant when the truth is the merchant never sent any paperwork to Citi. Why did the other male supervisor lie to me that I lost the dispute on XX/XX/XXXX because the merchant sent paperwork to Citi on XX/XX/XXXX, when the fact is the merchant never sent any paperwork to Citi. WHY SO MANY LIES AND MISLEADING INFO FROM CITIBANK DISPUTE DEPARTMENT ON XX/XX/XXXX?
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (NJ)

Reference previous Complaint XXXX that details the dates and actions taken to remedy this situation. 

Experian had commited to remove the voluminous fraudulent/incorrect/mixed information from my credit report ; however, this has not happened. Experian 's commitment is documented in a letter to Experian, that was attached in the above referenced complaint. This has been an almost two year effort to resolve this. 

All the fraudulent person information, false social security numbers ( over 30 different social security numbers! ), numerous names & addresses and accounts that do not belong to me are resulting in a poor credit rating that has adversely impacted me.
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (CA)

This incident is regarding a leased XXXX XXXX XXXX which was fully paid off and turned into a XXXX dealership for a trade-in. 

On XX/XX/XXXX, I traded-in a zero-balance lease for a XXXX XXXX XXXX which was due on XX/XX/XXXX. The dealership was XXXX XXXX XXXX is XXXX XXXX. I completed the lease trade-in in person and received a new lease, a XXXX XXXX XXXX XXXX XXXX 

During late XXXX / early XXXX, XXXX called several times stating that they were under the impression I still had the vehicle and were expecting late lease payments. I gave them information on the dealership and stated I was no longer in possession of the vehicle. This repeated over 3 or 4 calls, where I explained the situation to XXXX each time. I then notified XXXX XXXX XXXX over phone twice that XXXX was calling about my traded in vehicle. The sales reps at XXXX XXXX XXXX stated that they had sent XXXX the relevant paperwork and that the situation would resolve. 

On XX/XX/XXXX, I received a credit delinquency notification from XXXX for missed payment of 2 monthly payments. On XX/XX/XXXX, I called XXXX in attempt to escalate the situation given the severity of my damaged credit. That day I called XXXX XXXX XXXX and was unable to get in touch with a financial XXXX. I was able to get in touch with a customer service rep who stated XXXX " resolved the situation ''. 

I have not received a resolution from XXXX and they have damaged my credit for a vehicle I traded in to one of their dealerships.
Consumer complaint received 2024-10-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (FL)

I have a reverse mortgage currently serviced by PHH Mortgage Services. My monthly statement has always contained my original loan number and the number of monthly payments they are obligated to make to me and my spouse. My most recent monthly statement excluded both of those numbers. That statement should have included my account number and the fact that there were 300 payments remaining on the account.. I called PHH Mortgage Services to get resolution of the issue and was not only stonewalled with statements like " we have a new vendor doing the statements and that's the way it is '', but when pressed, the PHH agent said I had only 299 payments remaining. ( my previous statement showed 301 remaining payments, so this one should have been 300, not 299 ). 
My loan number and number of remaining payments are extremely important facts that should absolutely be included on any statement issued to me about my account. The fact that their agent understated the number of remaining payments ( on a recorded line ) is a clear example of my need to be able to follow the elements of my account to prevent any fraudulent or erroneous issues. Their refusal to continue including this information on my statements is suspicious at best
Consumer complaint received 2023-03-19
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name: 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, 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 cannot 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 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Please see attached files I have made countless attempts to have unverified and erroneous accounts deleted off of my XXXX credit report. And XXXX has REFUSED to adhere to the laws and regulations afforded to me under the FCRA. I have submitted several disputes to them regarding these erroneous accounts. They claim the accounts are verified. I asked them how did they verify them, they couldn't tell me. I've made repeated requests for them to send me the original creditor 's documentation ( a signed contract by me giving them consent to furnish my information as per my right by law ) and they've ignored these requests. I have made requests by mail, by phone and through the CFPB. They have not provided me with any documentation or correspondence that came about in their investigations ( required by law ). Furthermore they continue to ignore their obligated duty to do what is fair and equitable to me as a consumer ( required by law ). They are in violation of so many of my consumer rights including receiving information from a 3rd party regarding my consumer information without my consent. I ask that my request be taken seriously, that XXXX either provides me with the original creditor 's documents I have asked for or remove the disputed accounts and public record from my credit report
Consumer complaint received 2022-05-02
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. (GA)

I called again to Experian I spoke with an agent named XXXX. I have mailed several letters to Experian requesting that they remove this from file. XXXX says today that they didn't have my FTC then he found it and he said they would re investigate. This would be great but they have said this XXXX other times. I called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each time they say the same thing we will investigate but nothing has happened. I recently asked what else could I do and upon further research I discovered the CFPB and I read about how to file this report.
Consumer complaint received 2024-12-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (CA)

I had some misdemeanor warrants cancelled when I was fighting a federal charge. My lawyer filed the proper paperwork to get rid of the warrant, when I was released from XXXX XXXX  made sure the warrant was cleared ( or they wouldn't let me go to halfway house ) and I was told it is cleared and nothing shows up. On the criminal history report XXXX warrants show up from a time period when I was in fact incarcerated. I need help clearing this up.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached Debt Delete letter from the company and remove the XXXX XXXX XXXX account from my credit report.
Consumer complaint received 2022-08-28
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Ive banked with Huntington bank for years and use the online app a lot. I extremely dislike the fact that instead of posting payments Ive received on the date received the bank consistently posts payments I receive as being received on a PAST date! Why? Is this legal?