davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
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 (CA)

I was very pro-active while current on my account and called Capital one in XXXX during he pandamic. They defered my payment, but wasn't clear about calling everymonth again to do this. I didn't call the following month due to the health crisis and was charged late fees and they reported the missed payment to the credit reporting agency. I called them almost a month ago to ask why they would charge me late fees and be so unsupportive unlike other banks. They said a senior manager would call me, she finally called me today on XXXX, and said sorry we will not waive the late fee or contact the credit agencies. I kept explaning that i didn't miss my payment on purpose and thought it was deferred, so i should get the fee waived and fix my credit, she refused. They are very uncooperative and have charged many innocent victims late fees like this during covid times and take advantage of people loosing their jobs. This is a very serious incident that should be followed up more with capital one. I have included their fake website that shows a link for covid, but when you click on it, it opens a general customer service page, nothing related to covid, where customers can't respond quickly on a form to email a specific address to email. All other companies have a form to fill and send online, they make it very hard to do this and charge you fees very fast.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to file a complaint against Experian regarding a collection account listed on my credit report from XXXX XXXX XXXX. According to my Experian credit report, this account is set to be removed on XX/XX/2024, as it is past the XXXX  reporting limit mandated by the Fair Credit Reporting Act. 

Despite this, when I contacted Experian customer service, they did not acknowledge their own report and suggested that the account may still remain for a few more years. This response is unacceptable and does not comply with federal law. 

I am requesting that the CFPB investigate this matter and ensure that Experian adheres to the regulations regarding the removal of outdated information from credit reports. I would like to have this collection account removed from my credit report as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2022-07-25
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. (LA)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$4000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are 3 Inquires on my Credit Report that I didn't authorize XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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. (CA)

I am appalled by the Credit Bureaus inablitity to verify the validity of the information they present on my Cr edit Report. I have been submitting multiple dispute letters and complaints addressed to the Credit Bureaus and the last letter I sent was XX/XX/2022. It makes me wonder the Credit Bureaus are consucting a proper investigation to verify the accuracy of the disputed items. Once again, I was a victim oof idenetity theft and the items I dispute were never made by me nor anyone authorized by me. I also never received any thing in return, may it be benefits or items or money due to theft of my identity. I have read that the Credit Bureaus must remove any accounts or information that resulted due to identity theft under the Fair Credit Reporting act section 605b but I see here that the Credit Bureaus have failed to comply to. I am submnitting this complaint hoping that the Credit Bureaus would take their time to remove the isputed items completely from my Credit Report. The items that needs to be removed are as follows : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$0.00} DEPT OF ED/XXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX  XXXX Balance {$3100.00} DEPT OF ED/XXXX  XXXX Balance {$3800.00} DEPT OF ED/XXXX  XXXX Balance {$9000.00} DEPT OF ED/XXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance {$750.00}
Consumer complaint received 2022-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX I recently checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX I recently checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2023-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

Complaint Number XXXX & XXXX XXXX XXXX I ahve since called the company becuase they called me telling that they were looking in to it late and geave me a special phone number and extension to conact with any any questions on late Friday afternoon, afterwards I then recieved my mail and found a letter sdtating that Ally was going to negativley report my accout to the credit bureaus. It was too late to call but I did and leave a message. I got voice mail from my contact per the phone ext given it wasa XXXX, who out of office recording stated he was out of the office and would return XXXXXXXX XXXX? I finally spoke with someone else and requested to speak with managment Iwas told that managment was not avialable and I had to speak with XXXX, I finally spoke with him and he said he hadnt had time to review my account that he requested documents, my payment hisotry. I then requested to speak witha manager he said there were nomangagers avialable and eventually said he need to hang up as I would not take now for an answer to speak with a manager, Today I viewed my account on the online protal, it now relects that I am {$800.00} plus in arrears, thisis worng as Ihave made every payment and when i look att he payment hisotry on t he webiste and look at the break down of the payment they show late fees? 
I do not understand and dont trust that any info they report is correct.
Consumer complaint received 2022-07-31
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: TRUIST FINANCIAL CORPORATION (IL)

I am submitting a formal complaint to XXXX. I have submitted various verification letters to XXXX of fraudulent inquires on my credit report that continue to exist. XXXX has knowingly failed on their obligation to receive proper written verification for multiple inquires on my report and have taken no account to deleting this inaccurate information. A year ago I filed a FTC report for identity theft and a CFPB complaint for an inquiry by Lightstream/Suntrust . The company provided an application with the reference number XXXX and failed to show proper verification that identifies if my social security number or any other personal identification was used for this application and a valid signature that shows I applied for this loan. XXXX is wrongfully and illegally continuing to report this information despite not having proper verification for this inquiry.
Consumer complaint received 2022-07-29
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-07-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX I recently checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My information may have been acquired via a data leak and may have gotten into the wrong hands.

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 2019-03-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2019 I went to Capital One brunch in XXXX XXXX to transfer {$3200.00} from my checking account into an XXXX XXXX XXXX account. Capital one requested a {$40.00} fee for doing the transfer. Capital one has an intermediary bank, which converts the United States dollars into XXXX dollars. This intermediary bank took another {$20.00} fee. In additional to those fees the transfer rate which they gave was absolutely ridiculous. If they simply transferred the XXXX to XXXX bank XXXX the rate would be XXXX XXXX = XXXX, which would be equal to {$4500.00}. 

By Capital one using the intermediary bank to convert XXXX to XXXX  and then giving it to XXXX XXXX, I ended up with only {$4200.00}, which is more than {$200.00} less than what I should get.

1 WHY DID THIS TRANSFER TAKE SUCH A LARGE FEE?

2 WHY DIDN'T THEY SEND THE UNITED STATES DOLLARS STRAIGHT TO XXXX XXXX?

3 WHY DID THE CONVERT USING AN INERMEDIARY BANK OF CAPITAL ONE?

4 WHY IS EXCHANGE RATE SO LOW?
Consumer complaint received 2022-07-25
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. (PA)

I have disputed and contacted Experian, XXXX and XXXX. It is their job to do a thorough investigation. They are also obligated by law to report correct information. I am concerned about the validity and accuracy of each Credit Company 's investigation of these accounts that are reporting on my credit report. I have asked them to provide an original contract regarding XXXX XXXX, XXXX XXXX, and XXXX. They did not provide which I am entitled to by law, proof of the original contract bearing my signature and a copy. Incorrect information is being reported when I reviews my 3 credit reports. They did not do a thorough investigation and did not provide a statement which I requested. Experian is reporting a {$0.00} balance ( charge off XX/XX/2022 ), XXXX is reporting a {$700.00} balance ( charge off XX/XX/2022 ) and XXXX is reporting a {$700.00} balance ( charge off XX/XX/2022. This shows that their investigation was not conducted correctly and thoroughly. In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX has violated my rights. 15 U.S.C 1681 Section 602A. I have a right to my privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also, according to 15 U.S.C. Section 1681i ( a ) if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They had 30 days to investigate. Wrong information is being reported and I want these accounts deleted off of my credit report immediately.
Consumer complaint received 2022-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2022-07-25
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. (NC)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc. (MD)

I have an account with Self Financial and the have a subsidiary called XXXX that did a hard pull on my credit which negatively impacted my credit score. I have never had any dealings with XXXX, nor applied to rent anywhere. 

Self financial is aware of this and notified me by email after the fact. They acknowledge it was an error, but the negative impact on my credit remains. I have not been able to reach anyone at XXXX to assist.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I, the consumer, have discovered several violations done on the part of the financial servicing company XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 
Pursuant to federal consumer regulations 15 USC 1681a ( 1 ) a consumer report is one of a written oral report provided by the consumer ( I, the consumer did not provide this information to any of the credit bureaus ) 15 USC 1681a ( 2 ) ( ( A ) ( i ) ( ii ) ( iii ) - prohibits the furnishing of any information pertaining to transactional relationships and communications between the corporations and consumer 15 USC 1681 section 602 A states I have a reasonable right to privacy and that has been violated 15 USC 1681 section 604A states that a consumer reporting agency can not furnish a account without my written permission ( I the consumer did not give any consumer reporting agency permission to furnish this information ) XXXX and XXXX furnished inaccurate and damaging information to my consumer credit report Experian XXXX and XXXX Consumer has also discovered pursuant to 15 USC 1 every contract in restraint of commerce is declared illegal and is fined at {>= $1,000,000} or jail of 10 years Consumer grants permission to CFPB to act on their behalf
Consumer complaint received 2022-12-19
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$250000.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX  XXXX Balance : {$29000.00} XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX  XXXX XXXX Balance : {$10000.00}