davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In XXXX, XXXX, in response to its then-promotion, I applied for a Capital One Venture credit card. Capital One promised XXXX points if I charged {$3000.00} to the card within 3 months, and a further XXXX points if I charged {$20000.00} to the card within one year from date of issue. Capital One issued me a card and has advised me that the start date was XX/XX/XXXX. It did give me the first XXXX points, but although I passed the {$20000.00} spend figure during the billing cycle for XXXX XXXX XXXX XXXXXXXX, Capital One has refused to give me the second XXXX point installment. Their agent, a XXXX XXXX, explained to me on the telephone that in adding up the spend, only the first eleven billing cycles are considered, and that I didnt reach the {$20000.00} spend level until the 12th cycle ( XXXX XXXX XXXX XXXXXXXX, still within the one year ). Their promotion, however, had spoken of within one year, and I did satisfy that test. Capitol One has decline to reconsider. 

Their file number is XXXX
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This concerns Bank of America for primary property. 

Bank took XXXX XXXX payment from my funding account. Then on XX/XX/31, bank indicates a returned payment ( although the money came from my funding account ) fee of {$40.00}, plus a late charge of {$200.00}. In addition, now on XXXX statement, bank indicates I am a month past due on mortgage payment, although all payments have been made. 

Bank also has a series of {$12.00} unexplained payment processing charges going back several months. 

I am unable to get through to anyone at the bank. Have talked twice to " social media staff ' who have been unable to tell me anything.
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (PA)

Tried to call in to customer service in regards to my loan payments and setting up auto payments and the dealership did not help along with trying to get hold of Wells Fargo Dealer services since a Wells Fargo branch was not close to my home at the time. They repossessed the car after only a few months of having it. And I had a remaining balance after they sold it in auction I believe and did for a long time but it was between the years of the fraudulent activities from XXXX.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 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 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Hello, I am having problems with two of the three credit reporting agencies ignoring my justified request to remove a 10 year old mistake, XXXX XXXX and Experian not only refuse to remove the item but refuse to even discuss its possible removal because the issuer is saying that its a valid claim still Just reiterate 10 years, California I think its three years but even if it wasnt theres a 7 year maximum. Additionally, XXXX immediately removed the item upon my request years ago. I have written both of them many many times over the years with no response and no have reached the point of contacting whoever I can for whatever assistance I can get to get this blight off of my credit. Thank you in advance for whatever assistance you can yield. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (OH)

I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. My consumer rights state that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. 


1. XXXX XXXX XXXX Account Number : XXXX* 2. US DEPT ED Account Number : XXXX* 3. DEPTEDXXXX Account XXXX : XXXX 4. US DEPT ED Account Number : XXXX 5. DEPTEDXXXX Account Number : XXXX 6. US DEPT ED Account Number : XXXX 7. DEPTEDXXXX Account Number : XXXX 8. US DEPT ED Account Number : XXXX 9. US DEPT ED Account Number : XXXX 10. DEPTEDXXXX Account Number : XXXX 11. DEPTEDXXXX Account Number : XXXX 12. US DEPT ED Account Number : XXXX 13. DEPTEDXXXX Account Number : XXXX 14. US DEPT ED Account Number : XXXX 15. DEPTEDXXXX Account Number : XXXX I respectfully request to be provided proof of these alleged items specifically the contract, note or other instrument bearing my signature. 

Failing to do so, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and since this represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2019-10-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

Carrington Mortgage Services LLC is the loan service provider. XXXX XXXX holds the actual loan. Carrington can't tell me anything regarding my loan. I was told there's specific steps regarding foreclosure when an FHA loan is involved. But, yet, the customer service rep couldn't explain the process/steps. She said we can't go directly to liquidation, i.e. short sale or sheriff 's auction. Auction date is set. She couldn't tell me who set it. She refused to transfer me to underwriting. She then blamed me for not getting paperwork in. I informed her, that no one from the company until 1 month ago, had ever informed me that the " mortgage assistance '' paperwork was still required, even if I wasn't seeking mortgage assistance. She said it was my fault for not following directions.I asked to speak to a supervisor. I was denied. I asked to be transferred to underwriting. I was denied. I couldn't get any information from this person, other than to have them blame me. I was told that I didn't approve my realtor as a 3rd party authorization. However, when I log into my online account, it clearly shows that I authorized my realtor, along with my attorney. This company is horrible.
Consumer complaint received 2024-11-03
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. (TX)

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Credit card Charges Off Account : Amount {$15000.00} Methods of Investigation request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of you are required to submit all documents to consumer by mail. 

Good morning in reviewing my credit report. XXXX XXXX XXXXXXXX XXXX currently reported profits and losses for a Credit Card Account charged off. {$14.00}, XXXX XXXX XXXX XXXX XXXX XXXX failed to submit XXXX -C for portion of debt cancel by IRS as a tax write off. Further more causing inaccuracy reporting to the credit bureau and possible fraud reporting to the IRS. XXXX XXXX XXXX Violation FCRA negligently and willfully violated 1681s2 ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to remove the balance under its trade-line in response to this debt dispute. Im requesting copy of 1099-C for the written off amount reporting to all three credit bureaus.Consumer requests Delete from all three credit bureaus. Consumers requests immediately investigate in to this matter. ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charges Off of credit card that has been written off profits losses each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. Consumers prepared to address this matters in legal proceedings for statutory damaged. Im hoping we can address this matter with the proper outcomes for both parties. The following documents can be mailed to me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high-risk nature. The documents Ive provided are legit. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-03
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: Exeter Finance, LLC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX EXETER FIN XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-12-11
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: BOEING EMPLOYEES CREDIT UNION (WA)

BECU has been more than difficult to work with on these erroneous late payments. Ive filed a dispute claim with them already using XXXX XXXX and so far havent heard back. The way the account works is I can only pay my auto loan through the BECU account. Usually they move my funds between accounts themselves to settle the loan. In these instances where I was reported late they didnt bother to do that. At no point, was there any communication with me as to when the payment was due or what the actual amount of my payment is. Their apps and websites show inconsistent funds ( I believe they pull from different systems ), and on top of that, nothing on their app tells me payment dates, or amounts. With a perfect payment history on all of my credit trade lines, I would hope you can see that this is an error on the creditors part.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Due to COVID-19 and despite being laid off I have been doing my best to pay off bills that were on my credit report. I worked with the actual creditors regarding pay off and then sent the letters indicating the accounts have been paid off and the balance is XXXX as apart of a settlement. I have sent the information to Equifax, XXXX, and XXXX however the information still remains that I have balances on the paid off accounts. 

Equifax ( these accts are all paid off ) : XXXX XXXX ( # XXXX & XXXX ), XXXX XXXX XXXX XXXX, & XXXX ) XXXX ( # XXXX ), XXXX for {$150.00} ( I am unfamiliar with this account and asked for reinvestigation but no response ). XXXX XXXX on ( XXXX paid off medical acct that should have been deleted after 180 according to law ). XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ). 

TransUnion : XXXX XXXX ( paid off with XXXX balance # XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland XXXX. This is to be deleted from my credit ). XXXX XXXX XXXX ( XXXX paid off XXXX insurance for {$120.00} ). 

XXXX ( These accts are all paid off with a XXXX balance however still showing I owe monies : XXXX XXXX ( XXXX, XXXX, & XXXX ), XXXX XXXX XXXX XXXX ( # XXXX & XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ).
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX 2nd case TransUnion, Also stated there company will respond back to me within 60 days. Each and every complaint, that's recorded on file with TransUnion, the company have Always replied, that it would take up to 60 days ignoring Any FCRA Rule on time limits or providing a response back in 5 days per FCRA. THIS MATTER US NOT NEW, AND SHOULD NOT TAKE 2 MONTHS. THEREFORE, TRANSUNION, CONTINUE TO VIOLATE MY FCRA RIGHTS. I WILL BEGIN FILING A LAWSUIT THIS WEEK AGAINST TRANSUNION VIOLATION OF MY RIGHTS.. I'M AWARE OF MY RIGHTS AND TRANSUNION, NEGLECTFULLY VIOLATES MY FCRA RIGHTS AND RULES. THIS IS A DELIBERATE ACKNOWLEDGEMENT OF TRANSUNION MAKING THERE OWN RULES FOR THE CONSUMER. I HAVE EXHAUSTED ALL TOLERANCE, IN FOLLOWING THE FCRA RULES IN DISPUTING THE SAME EXISTING INACCURACY WITH TRANSUNION. This dispute matter is unacceptable for a 60 day turnaround time frame. The FCRA, time frame is 30 days, with some exception to extend to 45 days. Written Communication must be submitted to the consumer 5 days from the date dispute is received.
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (GA)

I had no idea who this company was. I never signed a contract with this company nor did I recieve any notification even though I don't owe debt to them. This company was put on my credit report for two bills that were already paid to the original creditor!! I never owed these people anything. The original creditor is XXXX XXXX XXXX XXXX thru XXXX XXXX. As soon as XXXX reached out to me I paid it. I knew nothing about the bill until then.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo has engaged in discriminatory practices by age, disability & financial status disallowing everyday checking accounts deposited and funded online with a XXXX check - Company has requested my personal information when they already could have dealt with the response- They have repeatedly sent physical mailings demanding I come into a branch! 


Some of us are antisocial and don't like having to talk to someone over the phone or in a branch. 

Stop this behavior & reflect on your autographs
Consumer complaint received 2021-07-14
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: Experian Information Solutions Inc. (FL)

HELLO, I AM INQUIRING REGARDING THE REMAINING NEGATIVE ACCOUNTS, THAT ARE CURRENTLY REFLECTING ON MY CREDIT REPORT. IT IS NOT FAIR TO ME THAT AFTER SEVERAL ATTEMPTS AT TRYING TO RECTIFY CERTAIN DEROGATORY INFORMATION ... THE CREDIT BUREAUS HAVE FAILED TO PROVIDE ME WITH ACCURATE AND COMPLETE RESPONSES REGARDING THE NEGATIVE ACCOUNTS ON MY CREDIT REPORT, WHICH I'M DEFINITELY NOT LIABLE FOR. THE MAJORITY OF THE ACCOUNTS HAVE BEEN EITHER REPAIRED OR DELETED OFF MY CREDIT REPORT. THERE IS NO REASON AS TO WHY IF XXXX  XXXX XXXX  WAS ABLE TO DELETE ONE OF THE XXXX  XXXX ACCOUNTS FROM XXXX OF XXXX, DUE TO THE FACT THAT IT DID NOT CONSIST OF ANY ACCURATE INFORMATION AND DOES NOT PERTAIN TO ME. THE OTHER XXXX  XXXX XXXX  ( AUTO ) ACCOUNT FROM XXXX, WHICH DOES NOT BELONG TO ME IS STILL THERE. PLEASE HELP ME REMOVE THE FALSE NEGATIVE HISTORY OFF OF MY CREDIT REPORT IMMEDIATELY. I GREATLY APPRECIATE IT.