davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I WAS CAUGHT UP IN A TRAVEL DEBACLE ON 2 DIFFERENT OCCASIONS WHEN THE WEATHER AND HURRICANES PROHIBITED ME FROM TRAVELING BACK TO THE UNITED STATES. 

THIS CAUSED AN EXTREME INCONVENIENCE AND PROBLEMATIC SITUATION FINANCIALLY AS I COULD NOT GET BACK HOME IN TIME TO PAY MY CREDIT CARDS AND OTHER BILLS IN MY NORMAL TIMELY FASHION. I EXPLAINED TO MY CREDITORS THAT I DIDN'T HAVE ACCESS TO PAYMENT INSTRUMENTS, BANK CARDS, ETC TO EVEN PAY ONLINE. MY CREDIT CARD COMPANIES DID NOT EVEN CARE AND THIS ALL WAS TO NO AVAIL. IN ONE CASE I ONLY MISSED THE DUE DATE BY 24 HOURS BUT THEY HAVE BEEN SO UNREASONABLE ABOUT REMOVING THE LATE FROM MY CREDIT THOUGH THEY ADMIT THEIR PROTOCOL SHOULD BE MORE FLEXIBLE IN A STATE OF EMERGENCY OR " ACTS OF GOD '' SCENARIO. THE LATES SHOULD BE REMOVED AT ONCE.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

During the covid-19 crisis like many I lost my job. I immediately contacted all my credit card lenders to see what they were offering their customers at this time. Capital One is the only company to give me such a hard time I spoke to 3 different call reps and 1 senior in charge. I made a XXXX $ cash advance transaction in XXXX, Ive been making my payments when I noticed a XXXX interest charge on my bill each month. At first I thought nothing of it because I was working, now being out of work I tried to see if they could suspend the interest fees and late fees for as long as they could while I try to catch up. Since making my minimum each month means nothing if they are going to just add on $ XXXX interests I will never pay it off in that case. All the associates said they are not waiving the interest fee. I get it they have to make money too but during this time I AM THE MONEY like every other customer they have. During covid-19 all interest and late fees should be waived.
Consumer complaint received 2020-05-16
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)

I was reviewing my credit report and noticed it contained a lot of errors pertaining to my Personal Information. I am requesting that you promptly update and delete the following unknown accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. For the record I have lived in the same residence for over 3 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is inaccurate. I am requesting the verification of the metioned accounts above, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts :
Consumer complaint received 2022-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC (CA)

Final terms of loan were deemed to be predatory lending at 158 % APR and in violation of California usury law AB XXXX. Account was paid in full and closed and listed as re-financed by the lender without my approval and is now appearing on my credit report twice. one showing paid and the other showing written off hurting my credit. I have attached supporting docs and intend to report to the California XXXX XXXX, the FTC and file a lawsuit if not resolved immediately and all reporting on my credit reports deleted. They continue to willfully report and verify the debt to the credit bureaus when I dispute. This is predatory lending at its core.
Consumer complaint received 2022-10-21
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. (VA)

I am disheartened to hear on XX/XX/2022 XXXX XXXX XXXX, chairman of a XXXX XXXX XXXX say that Transunion has longstanding problems with responding to consumers who raise complaints about credit reporting errors.They continue to report this error on my report and are refusing to re-investigate and resolve the matter. XXXX and XXXX completed their investigation and fixed the error on my consumer report with them but Transunion still refuses to correct their error. They will not send me copies of the documentation they used to verify the account is accurate. I also previously submitted several complaints with you that have not resulted in a resolution. XXXX XXXX XXXX also said that the majority of credit report disputes have not resulted in the correction or removal of reported errors from credit reports. This is completely accurate with my ongoing issue with Transunion. They have not corrected the error after numerous requests from me since the Corona Virus pandemic. I am demanding the CFPB step in and require them to immediately delete this account from my report.
Consumer complaint received 2020-05-15
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. (MO)

I had never been late on my credit report ever. Experian, XXXX, and XXXX  is reporting late payments from XXXX Credit Card, XXXX XXXX Credit Card and XXXX Credit Card. Also XXXX, Experian, and XXXX  is reporting 2 closed accounts that listed as XXXX XXXX  XXXX   Credit Card, and XXXX Credit Card.All these negative remarks are on my credit profile due to the outburst of Coronavirus. I really don't believe it's right for consumers like myself have to pay the price of having his credit destroyed due to natural disaster like Coronavirus.
Consumer complaint received 2022-12-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cottonwood Financial Ltd. (UT)

started screaming at me told me he'd see me and my husband in court. 

i said I had proof that i paid this bill through another collection agency and he screamed calling me an XXXX and calling me names and harrassing me I received garnishment papers to my then job at XXXX XXXX to where they talked to the owner claiming all debt was resolved XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

I requested a refund of all my student loan payments made during the pandemic on XX/XX/2022. I was told this would take XXXX days to process. I called to check the status of my request and was told they were pushing it out to XXXX days but nothing else needed to be done on my end. On the XXXX day I called to again check the status of my request and they are now saying my request was canceled and needs to be resubmitted with another XXXX day wait.
Consumer complaint received 2020-05-16
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 (NY)

On XX/XX/2020. Checks for the full amounts owed were sent to each of these accounts from XXXX to Capital One : Capital One ending in # XXXX {$3700.00} Capital One ending in # XXXX {$680.00} Capital One ending in # XXXX {$2600.00} Capital One ending in # XXXX {$2100.00} Capital One ending in # XXXX {$3400.00} Total payment on these accounts : {$12000.00}. 
Prior to these payoff checks sent, I made my monthly payments due XX/XX/XXXX to avoid any late fees while these checks were received and processed by Capital One. 
I later received statements showing I owed interest on each one after payment in full was received. After sending them a letter priority mail on XX/XX/2020, asking why I was paying interest on top of interest, I received a letter on XX/XX/2020 letting me know the accounts were closed per my request, which I had requested they close since I was paying in full BUT no answer to my question. I attempted to call several times prior to mailing this letter but had not success in getting anyone on the line after waiting over an hour. I went ahead and paid the interest on these accounts which added to {$280.00}, out of fear I may be hit with a late fee. I attempted to call again XX/XX/2020. After waiting over an hour for a rep on phone, I was told I had to pay the interest on interest and also a residual fee after for each one. ( how do you pay interest on interest? ) Residual fee? On accounts paid in full? They said, that was their policy. 
Shortly after making full payments on these accounts, On XX/XX/XXXX, my husband lost his job due to COVID and is currently unemployed. I have struggled to pay these additional fees that I find to be an illegal act by this credit card company. I was told if I did not pay the additional fees, a late fee will be added on top. I should not have to pay interest or residual fees on a payoff amount that had not outstanding balance. I also requested a copy of their agreement stating they are allowed to do this. I never received a response or any response to any of my questions. Again, we are in no financial position at this time due to loss of unemployment to be slammed with extra fees. It is unfortunate that the timing on these payments made in full and my husband losing his job came at a worse time.
Consumer complaint received 2022-10-21
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)

According to the Fair Credit Reporting Act, 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 2020-05-16
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. (FL)

Trump signed over a new rulings to defer our loans for 6 months but there's not supposed to be a retaliation to the American citizens over this. I'm one of the citizens that declined the deferment because I didn't trust the system. And I have good reason, last week the credit bureau has added XXXX XXXXof capitalized interest on my student loan dropping my credit score 118 points. XXXX stated they did not send this information to credit bureau. Somewhere there's an assumption that I took the deferment. Now the credit bureau has added this capitalized interest to my student loan which is not accurate. It takes you one day to do destroy my credit and it will take me a year to correct it.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have previously disputed the status of my payments being negative for all XXXX school loan accounts and a response was placed in my file indicating that the account should be moved to a positive status by XX/XX/year> however ; now the statement has been removed. The account has been in a positive status and currently still remains on one however status states negative?
Consumer complaint received 2020-05-16
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. (FL)

I Check My Credit And I was so amazed That I'm a victim of identity Theft someone has been Using My credit for there benefits, they went shopping for a car and tried applying For Credit. This is crazy, I'm Highly Upset about This Situation I did not give anyone Consent to open Any Accounts using my personal Information this is Fraud on all Accounts.
Consumer complaint received 2022-05-18
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. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the items nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX CT XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX DP OF XXXX XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$7500.00} ; DP OF EDUC XXXX Balance : {$9100.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$4500.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; DP OF EDUC XXXX Balance : {$6100.00} ; DP OF EDUC XXXX Balance : {$8800.00} ; DP OF EDUC XXXX Balance : {$5000.00} ; DP OF EDUC XXXX Balance : {$3700.00} ; DP OF EDUC XXXX Balance : {$2400.00} ; DP OF EDUC XXXX Balance : {$6600.00} ; DP OF EDUC XXXX Balance : {$17000.00} ; Medical XXXX Balance : {$100.00} ; XXXX  XXXX XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I live in NY ground zero for the Corona Virus have been shut down since XX/XX/2019, have never paid this credit card late or have I missed a payment ever on this card. This credit card company would always call me if I was 1 day late or if anything was wrong with this card. I found out through my credit monitoring service that this company report me with a 30day late during the cover pandemic. I immediately tried calling the company with no luck waited long period of time due to covid. I tried again and after waiting on hold and transferred to different departments they finally got me thru I asked them to remove this late payment and the representative told me I had to do it thru my my credit bureaus. I need this late payment to be removed immediately as I was not late and if I was late its not my fault its covid government shut down. They need to take my excellent payment history into account and understand we are under a pandemic.
Consumer complaint received 2020-05-17
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)

i have submitted an Identity theft report from the FTC website to transunion twice already, i am about to send the third one tomorrow, they have responded they they will NOT remove the fraudulent accounts on my credit report which i have no knowledge were they came from. They have also refuse to provide any evidence behind their claim. i need these accounts removed immediately, i was not even in the united states when this accounts were open in my name, i also have addresses, phone numbers and names that do NOT belong to me and the refuse to remove them, harming my ability to obtaina fair credit score and report. please assist me in this matter.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

on XX/XX/2022 Complaint ID : XXXX Company responded : Regarding the address, it can not be removed, as it is currently being reported by data furnisher ( s ) currently displaying on your credit report.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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.

A creditor, much like your credit card company or loan collector, should not be knowingly supplying incorrect information to a CRA.

This inaccuracy is causing Statutory damages and all my rights has been violated. 

with that being said it is your duty to provide accuracy of information related to consumers I request the removal of Address ID : XXXX. 4th and last attempt before I proceed with legal compensation.
Consumer complaint received 2020-05-16
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. (FL)

I Check My Credit And I was so amazed That I'm a victim of identity Theft someone has been Using My credit for there benefits, they went shopping for a car and tried applying For Credit. This is crazy, I'm Highly Upset about This Situation I did not give anyone Consent to open Any Accounts using my personal Information this is Fraud on all Accounts.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (CO)

Have a large amount of funds in this bank and can not access my account. Have tried to call many times and it is over an hour wait each time and the problem does not get resolved. Received an email that they will not even send me my statements due to one being returned. My address has not changed, my email has not changed but they continue to deny me access to my own money. I do not know where to turn. I have filed a complaint with the California Attorney Generals office. I really need access to these funds as I would like to purchase a few CD 's now at other banks. They seem to be shutting me out of my money and many others. Please help.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Keynote Consulting, Inc. (DC)

Key Note intentionally transferred an identity theft credit card account to XXXX XXXX XXXX to file a lawsuit, after agreeing to remove this same items from my credit report. Both parties have a deceptive and reckless reputation in the state of Illinois and particularly in XXXX XXXX, which consist of XXXX  XXXX and XXXX  people that these so called professionals prey on. 

I would like for the Illinois Attorney General and the XXXX XXXX States Attorney to get involved in these duos because they do not take this matter serious because they think that your organization is a joke. I will also be forwarding a copy of this complaint to the XXXX XXXX XXXX Attorney. Which is XXXX. and her name is XXXX XXXX XXXX XXXX XXXX  file a lawsuit in Illinois XXXX XXXX, knowing that I do not reside in Illinois or XXXX XXXX and I expressed that to both parties over 4 months ago. Both parties are running an enterprise within the state and XXXX XXXX by harassing XXXX people and filing bogus and illegal lawsuits hoping too scare XXXX XXXXXXXX people into paying credit card debt that has passed the statue of limitation and has been written off as a loss by the banks. 

This account that I am being accused of has reached its statues of limitation for the state in which I reside in and the lawsuit was never filed in the state in which I reside.
Consumer complaint received 2020-05-16
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: CarMax, Inc. (TX)

I have documentation from the creditor regarding the account with Carmax Auto Finance that the balance reported, payment history and date of last activity is inaccurate. The bureau continues to use an electronic system to verify the account without performing a lawful investigation as outlined in the FCRA. The account is updated each month after they have claimed to verify it the month before. I am demanding removal of this account due to its inaccuracy and this companies failure to investigate which is against my rights. The creditor is also attempting to collect more than the balance owed and reported. This reporting is littered with errors that are unacceptable and preventing me from acquiring credit. 

The account is verified as accurate. Continuous updates to the account after they verified several times before that it was 100 % accurate. It can not be accurate when it is different reporting on each bureau and doesn't match my documentation from the creditor. The account type is also incorrect. The most recent update shows that the written off balance is over {$57000.00} when the original price of the vehicle was less than {$30000.00}.