davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

On XXXX XXXX, I dropped six ( 6 ) money orders in the drop box of the post office located on XXXX and XXXX XXXX in XXXX, MI. About two weeks later I started getting calls saying my notes were behind. I checked with MoneyGram and discovered that at least one of the money orders had been cashed on XXXX XXXX. I called MoneyGram again trying to see what my next step should be, and they informed me that all of them had been cashed. I was told that I needed to get a photocopy of each money order even though I had all of my receipts before they could investigate and even then, they could not guarantee I would get my money back. Each photocopy came with a cost of {$18.00} which I can not afford. It is my belief that the money orders were stolen from the drop box, and someone should be held responsible. I sincerely hope you will be able to help me.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. Capital One responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. Capital One never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : XXXX, XXXX and XXXX. The results of my disputes were that Capital One RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while Capital One defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with Capital Ones written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2022-03-18
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. (NC)

It has been 60days and I have not received my results back from the credit reporting agency. This action is grounds from immediate/prompt removal/deletion of all disputed items on my consumer report.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In XXXX of XXXX, I was a victim of identity theft. I then had an account with Bank of America and there were checks deposited and then money allowed to be withdrawn from my account, that I knew nothing about. Bank of America allowed someone to deposit SEVERAL IRS refund checks into my bank account and then immediately withdraw the funds, even though it exceeded the amount that I had in my account at that time. The transactions were made at a Bank of America branch in XXXX XXXX, MO and I lived in XXXX XXXX, MO at the time. There was absolutely NO WAY I could have made those transactions and the signature on the withdrawal slip did not match my own. The bank MUST have video of the person who did this, but at the time, they were very difficult to deal with and refused our requests to view any video of the deposits or withdrawals being made. They treated me like a criminal and were very disrespectful and accusatory throughout the whole process, which I could then only attribute to the fact that I am a young XXXXXXXX XXXX. There were, however, MANY red flags for the bank. One individual does not receive multiple IRS refund checks at once. Banks do not usually allow withdrawals that exceed the amount in a persons bank account and definitely not immediately. Also, all these transactions were done in a city where I never bank. This never should have been allowed! So now, not only did Bank of America keep what little balance I had in there at the time, they have now flagged me in the XXXX XXXX XXXX system that is keeping me from opening any other bank accounts or credit cards. I would think these transactions being allowed in the first place, must have had help from a bank employee. Which is why I feel we can get no justice from BOA. 
I am hoping you can help me clear this up.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (CA)

XXXX - Opened Crypto.com account XXXX - Received email that account has been closed after review " that it does not meet our requirements for user conduct, as outlined in our Terms and Conditions '' - contacted support on XXXX separate occasions to request the user conduct requirements that I did not meet. In both cases, they responded with the following : Please refer to our Terms and Conditions. 

They state : " We are entitled, in our sole discretion and without providing reasons, to refuse your application for or to suspend, terminate or limit your use of the Crypto.com XXXX XXXX XXXX or your account, and/or to change the eligibility criteria for registration or use of the Crypto.com Wallet XXXX XXXX at any time. '' I believe that my account was closed without just cause and I have not been provided an explanation of the specific rules that I broke. I am forced to move my assets to an external wallet and incur the costs to transfer each currency out and lose significant value because I may need to liquidate assets which have lost value before transfer.
Consumer complaint received 2022-03-18
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Closed Account Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (CA)

Im XXXX I had my personal info stollen out of my truck at work. My social, Drivers license and passport. A month or two latter my info was used in several attempts ti obtains credit. They were unsuccessfull in opening any account But the false name, address and phone numbers they used remained on my account with out my knowledge or awareness for many years. In XXXX of XXXX I started to clean up my credit I discovered false addresses names phone numbers on my report.I cleaned my report so that it reflected my accurate information.I notified XXXX, XXXX and Experian of an account on my credit report that was associated with Fradulent information. Incorrect Name ( XXXX XXXX XXXX ) my correct name XXXX XXXX XXXX as it appears on my social. XXXX and XXXX were quick to act and remove this inaccurate and detrimental account and information.Experian was the only one that has not deleted the wrong info and account reporting fradulent information Not sure if Experian follows a different set of laws or guidelines. Experian said that from there investigation they were siding with XXXX XXXX XXXX in the action reporting of inaccurate information on my credit report. I attempted to challenge the outcome of the investigation performed by Experian. But from the report it looks like they took there word over my own. Not to sure why XXXX XXXX is still reporting this and I would like to get this event behind me.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (VT)

The loan servicer failed to make the escrow disbursements for property taxes due to the town that we live in. The taxes are now XXXX months delinquent. On XX/XX/XXXX, I received a letter from the town that our taxes were delinquent and I called the lender, XXXX XXXX XXXX, who referred me to our loan servicer, Dovenmuehle. On XX/XX/XXXX, I sent Dovenmuehle a copy of our delinquent tax notification to XXXX and received email confirmation that it was received. As of XX/XX/XXXX, the tax bill has still not been paid, remains delinquent, and is continuing to incur late fees. 
I have repeatedly called both XXXX XXXX XXXX and Dovenmuehle requesting the payments be made and have received conflicting and confusing information with arbitrary future dates and time windows that certain departments give themselves to resolve the matter. So far, I have spend more than XXXX cumulative hours trying to resolve this issue. After my most recent call with Dovenmuehle, I was told that their tax department was very busy and does not take phone calls, but that a case was open and they would look into my issue by XX/XX/XXXX. This is unacceptable, as my taxes need to be paid. Further, the representatives at Dovenmuehle could not provide any explanation as to why my initial request on XX/XX/XXXX to pay the property tax was not fulfilled. It is unacceptable for my taxes to be late, period. But for the resolution to take this long is utterly inadequate and inappropriate.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (IL)

Discover keeps sending me marketing emails even though I've unsubscribed. Their marketing emails don't contain unsubscribe links, which is required by the CAN-SPAM act and enforced by the Federal Trade Commission XXXX They are not responsive, or say that I've been removed from marketing lists, yet this email still gets sent out on a regular basis. They are no respecting consumer privacy to get off a mailing list. They don't allow you to respond to the email. It's unlawful.
Consumer complaint received 2022-01-11
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. (KY)

XXXX School Loans on report twice and it is past the 10 Year mark asked to remove all. 
School loans showing forbearance and repaid and never paid any on loans. 
I have very low income
Consumer complaint received 2022-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022 I directly contacted XXXX, XXXX CA, regarding reservation and to inquire about better pricing than I viewed on-line. I was informed of the {$88.00} per nite special and that I must pay in advance to receive that special pricing. I accepted and paid for two nights, XX/XX/XXXX an XXXX for a total of {$200.00} and used my Capitol One master card. Check in time was XXXX PM. I received a reservation confirmation. ( attached ) I became ill and called to cancel on XXXX XXXX at approximately XXXX am. I received cancellation confirmation, ( attached ). Upon receipt of my bank statement I saw that I was still charged {$200.00}. I disputed with Capitol One and provided both XXXX confirmations. Capitol One provided a provisional credit but then re-charged it and stated to me that XXXX cites it's 'Terms and Conditions '. As such, they could no longer assist me with the dispute. I demanded that they honor their guarantee to never charge a client for a service not received. I also asked to see what Terms and Conditions Capitol One referred to because I never received any Terms and Conditions, nor was it addressed in my conversation with the reservations clerk. Capitol One stated there was no written correspondence and offered to do a 3-way conversation with XXXX. In the conversation XXXX stated they were " unable to find any information on my reservation. Capitol One ended the call and said there was nothing more they could do and I would need to give my phone number to XXXX to follow up with them. Capitol One should honor its guarantee. There is no statement, no written documentation, no information whatsoever that indicates any type of Terms and Conditions. There is nothing about Terms and Condition written on either of the confirmations. Capitol One could not supply and response from XXXX regarding Terms and Conditions. The only condition the XXXX representative informed me of was the pre-pay requirement. I am XXXX XXXX XXXX and very business savvy. Had the XXXX representative informed me that charge was 'non-refundable ', I would not have made the reservation ; the representative likely knew that and so intentionally omitted that information, or forgot. Capitol One is my bank and should work on my behalf according to its guarantee of never making me pay for a service I did not receive. Capitol One should remove the charge from my account and not accept the word of XXXX, who by it's own admission could not find any information, which could not be possible when I received confirmations for both reservation and cancellation. Capitol One at the very time is transitioning its accounts to XXXX XXXX. I believe Capitol One " threw me under the bus '' because it is getting rid of this account
Consumer complaint received 2022-03-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sunset Solutions Group, LLC (CA)

On XX/XX/XXXX my mother told me a debt collector was calling her and my siblings in order to collect a debt. I called them immediately and they said I took out a loan a few years ago with XXXX XXXX XXXXe ( I dont remember taking out this loan ). They legal claim department said the company was going to recover my license if I didnt pay to settle. They sent me a docu sign and I paid them {$1100.00}. They sent me a document saying the debt was paid in full. They called my family today XX/XX/XXXX claiming I had another debt with XXXX and that I needed to pay the underwriters. I refused and told them to take my familys phone numbers off and that I had already paid that debt. They eventually relented which led me to believe I was scammed.
Consumer complaint received 2022-03-29
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. (FL)

Experian is reporting a late payment on my credit report that is incorrect. They are reporting on a company that is not on my credit report, yet they are reporting information on it. Experian is reporting a late fee from a company called XXXX XXXX but I do not have a XXXX card on my credit file. 

Experian needs to comply with the Fair Credit Reporting Act that protects me from credit reporting agency Experian using information that they can not verify. The information is inaccurate and must be removed from my credit file.