davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
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: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX, I submitted the following complaint to Experian : I had a credit card account with XXXX XXXX XXXX Bank. The credit card was opened XX/XX/XXXX, and was charged off in XX/XX/XXXX. XXXX has incorrectly reported the dates of the bill being current, which they report as ONLY the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The bill was current XXXX XXXXXXXX XXXX. The bill was charged off in XX/XX/XXXX, however the information on the credit report shows the bill as being charged off in XX/XX/XXXX. They also reported the last payment as XX/XX/XXXX, which is incorrect. This caused a severe decrease in the on-time payment percentages shown on my credit report. Secondly, after the closing of my personal bank account with XXXX in XX/XX/XXXX, they revoked my account usage which prevented me from using their app and website to make payments. I settled the debt directly with XXXX on XX/XX/XXXX for {$81.00}, after receiving a letter in the mail. However, the reported balance on my credit report prior to XX/XX/XXXX was shown as {$810.00}. The items I cite as being violations of the FCRA are -posting the high balance ( XXXX ), which is higher than the collections representative had me pay ( XXXX ), -an incorrect date of first delinquency reported which is required by FCRA 623 ( a ) ( 5 ) ( a ), -and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information is continued to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion. I have attached screenshots showing the date of payment and amount, and how they changed the dates of current/past due/charged off on my credit reports. 

On XX/XX/XXXX, I checked my Experian credit report to find that Experian completed the dispute, incorrectly updated the charge-off dates, and completely removed the 'CLS ' code, showing that the account was closed. Not only did they completely ignore the above information, which has violated several FCRA statutes, they have added even more incorrect information to the account. I have attached the screenshots showing the 'before ' and 'after ' of the account, which shows how they incorrectly updated the charge-off dates AND removed the 'CLS ' code. I have also attached the four screenshots which were attached to the previous complaint.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I entered into a settlement agreement with Penfed for one loan and one credit card, where I would make two payments for the loan by XX/XX/XXXX and three payments for the credit card by XX/XX/XXXX. Instead, I paid off the terms of both the loan and credit card immediately on XX/XX/XXXX and XXXX, XXXX. I honored the terms of our agreement. 

In XXXX, I contacted Penfed to enquire as to why my credit report isn't showing the terms of our settlement. My contact at Penfed, XXXX XXXX, advised she would look into it. She never responded to me again On XX/XX/XXXX, I received a letter from Penfed stating I was past due {$99.00}. I again emailed XXXX XXXX, asking why I was receiving this letter when the terms of our settlement agreement was met. She did not respond. I then called Penfed, and spoke with another agent who said she would get back to me. I have yet to hear anything back and my credit report continues to show innaccurate information. I am attaching the settlement letter, proof of payment from my Penfed online statement, and my email communication with XXXX XXXX.
Consumer complaint received 2019-05-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

Purchased a watch from very convincing website, XXXX XXXX XXXX on XX/XX/19 paid via moneygram {$820.00} plus {$70.00} fee. Funds were picked up by XXXX XXXX in XXXX, XXXX at XXXX CST on XX/XX/19. Reference # : XXXX I received confirmation emails on the process of the watch. Last email stated watch was in quality control dept. As more and more time passed, i sent several emails asking when watch will ship out. Owner, XXXX, only replied once saying everything was fine. Then i read reviews online and people said its a scam, your order will stay in quality control status forever, and the owner never returns emails or answers the phone, and your money is gone. I sent several emails and called and no reply. Never received watch. ( His other sites are possibly XXXX and XXXX ) These sites need to be shut down. Moneygram needs to contact them and prohibit them from using moneygram as a form of payment.
Consumer complaint received 2021-02-21
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. (IL)

I sent in a dispute to the credit bureaus about this debt collection companies reporting inaccurate information on my credit report and asked for verification. The company then sent me information about trying to collect a debt from me but they didn't provide the proper validation to prove that i owe a debt to the company Even though they provide me a statement according to law that 15 usc 1692 g that still doesn't suffice that the debt was mine only an assumption also they are in violation of 15 Usc 1692g because they never sent this information within 5 days of initial communication. Also they are in violation 15 usc 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collectors are also violating 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. the credit bureaus are in violation because i the consumer never gave them permission to report that on my credit report. Pursuant to 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also the information was deleted from my XXXX and i sent this to both experian  and XXXX to remove this inaccurate information.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Several phone calls has been recieved from Portfolio recovery and I have explained to this company, XXXX, and XXXX that this is not my account. I I continously get harassing phone calls and disputes from TransUnion has come back that it's my account. When the account was opened and I disputed with the company I was told that I co signed with a person in XXXX texas that have my last name. This account was purchased by Portfolio recovery and it was original a XXXX account. I've never had a {$3000.00} dollar limit on my XXXX  XXXX account. I have two accounts with XXXX  XXXX, one in which I recently opened last year and it's in good standing. Its frustrating to know that something is on your account and it's not yours. When the account was openedi was still in college and this credit inquire was never put on my account. I found that this is strange, so o never knew about this account until one day I started recieving the calls and I have disputed this account from day one.
Consumer complaint received 2022-07-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (CA)

I Had a HELOC with TCF bank which is now Huntington Bank. I sold the property this loan was attached to in XXXX of XXXX. TCF provided the Title Company with a pay off amount which was paid before the good through date. Two months after I moved I got a call from Huntington bank to say I owed {$800.00}, but failed to provide information of what this amount was for. After numerous phone calls between the Title Company and Huntington bank nothing was resolved and I still did not know what the balance was for. During this time Huntington Bank was reporting me for late payments which has ruined my credit. I asked them to remove this but they said they could not unless the balance was paid. I paid what they asked even though I still do not know what this is for and sent them an email requesting they remove the derogatory reporting. This was done on XX/XX/XXXX and I have heard nothing from them. I can not get a mortgage because of this, and my lease is up at the end of the month and because of my credit score I am finding it difficult to find another house. Prior to this {$800.00} there was never a late payment on my HELOC account. Please help, I am desperate to find somewhere for my children and I.
Consumer complaint received 2023-01-30
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: Hunt & Henriques (CA)

I had an ongoing dispute with XXXX since XXXX regarding a {$2600.00} charge that they allowed a merchant to complete with an expired old card on file and an incorrect billing address. XXXX had originally credited {$490.00} and refused to give credit for the remaining balance, including {$2300.00} in interest charged and {$370.00} in late fees. They then reversed the {$490.00} credit. I decided to make over {$3000.00} in payments in two months to pay off the debt that I knew I owed, and refused to pay anything further. My disputes went back and forth with them for many months. I even went onto the merchant 's website and entered all my known email addresses to complete a password reset until I was successful and provided evidence that the card they had on file expired in XXXX, they had a very old billing address, and failed at 8 attempts of the charge the first time as they were simply reattempting with a different exp date until they got it right. I was never advised of the failed attempts by XXXX. 

In XX/XX/XXXX, after having completely destroyed my credit, they filed a lawsuit against me for {$5400.00} under my credit card account number XXXX which, is the only account I had with them since XXXX. 

I filed a response in court without a lawyer and advised their attorney of what took place and the attorney claimed they completed another investigation and determined I owed the complete amount. In XX/XX/XXXX, I receive a notice from XXXX that they completed another investigation and determined that I was correct and that they credited my account for {$1600.00} along with {$110.00} in interest which, again was not the complete or accurate amount. The amazing part is that they did not apply this credit to my account number. They created a whole new account number that ends in XXXX with a starting balance of {$5400.00} and applied a credit of {$1600.00} plus the {$110.00}, and showing a balance due of {$3600.00}. 

I now have their attorney 's office contacting me claiming I owe {$5400.00} on my XXXX card and {$3600.00} on a XXXX card that I never owned. The attorney is aware of this yet just requested that the court set a trial date and they have, it is now set for XX/XX/XXXX. 

XXXX is reporting default on {$3600.00} under this fake XXXX non-existing account onto my credit report and destroying my credit all over again. I do not have an attorney and they are destroying me with this. They will not even give me the whole account number when I have called twice to ask for it. All I know is XXXX, as you will see in the attached documents.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I lost my Kohls credit card on XX/XX/21 and reported it lost to Kohl 's Customer Service via telephone same day. I requested that my account be closed immediately so that no would be able to use it if they found my card. I was informed by Customer Service that I would need to go to a local store and apply for a new credit card. It should be noted that my account was not closed until XX/XX/21, after I had to place a second call to request the account be closed. 

A few days later I applied for a new card at the Kohl 's store in XXXX, Ma after explaining the situation with my lost card. I recently received an adverse action letter dated XX/XX/21 for a Kohl 's Credit Card account issued by Capital One, NA. stating " Our decision was based on the payment history for a previous Kohl 's account in your name ''. And, to contact them if I had any question regarding this decision. The ECOA notice was the only disclosure on the adverse action letter. 

I immediately contacted Kohl 's Customer Service and advised that I have never been late on any of my payments. I asked the CS rep if she could provide me with contact information for Capital One and was told NO. I asked If I could speak to a manager and was told NO. I stated that my next call would be to the CEO if they were not able to help me. I was placed on hold and Manager ID XXXX spoke with me. She confirmed that she reviewed my account history and that there we no late payments or late fees on my account. She told me to try applying again in a week or so and maybe it would be approved. I advised that this solution is unacceptable to me. I stated that Kohl 's is reporting inaccurate information about me and I would like to dispute it. She told me that I can not dispute it. The call ended at the point. 

I am contacting your agency for assistance with this matter as I believe that I was not provided with appropriate FCRA disclosures and not giving the opportunity to dispute their incorrect reporting of my account. I firmly believe that they are not incompliance with FCRA requirements and that my rights have been violated. Also, I am sure that I am not the only individual who has experienced this negative treatment and that many others may have been impacted as well by their practices. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-10-25
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late. 
Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. I also request that the inaccurate late payment entries for XXXX and XX/XX/XXXX be removed from my credit report immediately. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-05
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. (GA)

I have filed Several complaints against this company XXXX XXXX XXXX they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a XXXX XXXX account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX BANK OF AMERICA notification CARD ENDING - notified Im over 30 days delay for XX/XX/2022 payment if XXXX. 
- Monthly payment was send to the bank via their own ATM. unit on site on XXXX. 
- Never been late before - BOA. notified the 3 credit reporting co. Resulting XXXX points reduction from my XXXX reporting, unable to apply for mortgage - FALSE REPORTING AND DELAY ON BOA. PART - delay accusation must be removed - Contacted customer service 4 times, long delays and transfer to different depts. follow by disconnection
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

XXXX has the following WRONG addresses on my credit report. 

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX Equifax has the following WRONG addresses on my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY, XXXX XXXX XXXX has the following WRONG addresses on my credit report XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  NY, XXXX XXXX These addresses do not belong to me and may be negatively effecting my credit report.
Consumer complaint received 2023-12-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (IL)

I was contacted by Sequium Asset Solutions seeking to collect the debt in the amount of {$260.00} on behalf of XXXX XXXX as per attached XXXX letter. I have spoken with the Sequium Asset Solutions representative on XX/XX/XXXX and informed them that my roommate XXXX XXXX and I have paid the above amount to XXXX XXXX back in the Summer of XXXX  and that we have the payment confirmation receipts to prove it. I was instructed by Sequium Asset Solutions representative to submit the proof of payment information via email address XXXX for the Sequium Asset Solutions review. I have submitted the same proof of payment information receipts as I am attaching to this complaint to the Sequium Asset Solutions using the email address provided. After not hearing anything back from Sequium Asset Solutions I have contacted them again on XX/XX/XXXX and was told by Sequium Asset Solutions representative that no information about the case could be provided at this point. I think it is a blatant violation of my consumer rights to seek to collect debt that has been previously paid and not to respond to my request for further information.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Today XXXX I called my credit card company, First National Bank of Omaha and asked them to open my account so I could utilize my available credit. 
They told me my account was closed back in XXXX of XXXX and could not be reopened and I would have to reapply. This will not work because with my current credit score I would qualify for a new card and this was not what was promised when I entered the payment program. 
I informed them that I had problems paying my bill do to XXXX and that I was put on a payment program to catch up. I was put on a payment program and was told that when I got caught up my account would be reopened. 
I called every month prior to my due date during this problem period as a show of good faith and to pay what I could. 
Now I am fully caught up and have avaialble credit I should be able to utilize. 
Before XXXX I had a perfect payment history.