davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights XXXX 

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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) 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.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (GA)

On XX/XX/XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XX/XX/XXXX and XX/XX/XXXX. My account was closed in XX/XX/XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XX/XX/XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XX/XX/XXXX they posted another late payment to my account for the month of XX/XX/XXXX, 8 months after the alleged late fee occurred which caused my credit score to plummet almost XXXX points. Further more the name is reported inaccurately on this account.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One failed to deliver my bill to the correct address, resulting in a missed payment. As soon as I discovered the issue, I immediately paid my balance in full and contacted Capital One by telephone. Capital One acknowledged that the error was on their end and agreed to promptly reverse all resulting late fees and interest charges. Nevertheless, Capital One subsequently reported negative information about the late payment to the credit reporting agencies. 

I initially disputed this information with XXXX and no action was taken for well over a year. When I followed up again, Capital One purportedly confirmed that the information was correct. I then complained directly to Capital One via email. After receiving a generic response letter I responded with my own letter explaining the situation to them once again, and attaching the billing statement reflecting Capital One 's reversal of interest charges and late fees following Capital One 's telephone acknowledgement that the error was theirs ( attached ). Nevertheless, Capital One has refused to correct the credit reporting error. Capital One 's derogatory report is the only negative mark on my otherwise perfect credit record.
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

Customer rep with HSBC confirmed I would not receive a fee, advised replacement card and checks would be mailed free of charge. I reached out again and the next rep confirmed she could not see any prior requests, could not tell if a card had been ordered, and was unable to fix the fee which was not my error that had previously been confirmed as waived, and was only able to advise checks are charged/not that my prior request was completed. I previously was transferred to a supervisor, but this time the rep, XXXX, refused. I am concerned with this lack of transparency, applying fees which have been confirmed as waived, and charging for some products when some reps feel like, but not when other reps confirm the products are free. A federal investigation into this transparency is required.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (NY)

This account was reported on my credit report. It was previously with another collection agency and when i t was with first agency, I updated my mailing address and made a payment. It then transferred to Online Information Services. I never received notice of the debt and my right to dispute via mail from Online Services. I was only alerted to it being moved to another agency by checking my credit report. I contacted Online Services  on  XX/XX/2017    and spoke to  XXXX   ( refused to provide last name ) to clari fy what address they had on file and they stated they had a previous address ( in which I no longer reside ). When I asked for deletion from my credit report ( after I made the payment ) based on the fact that an initial notice had not been sent to my current mailing address, I was denied.
Consumer complaint received 2016-12-27
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My name is XXXX XXXX and i am reporting the capital one credit card for reporting both of my credit cardfor late payments caused by them. it was a very nasty brutal battle to fight with them to remove their late fees on my cards and to move late payments information to the credit bureaus. that happened back on XXXX - XXXX XXXX. XXXX capital one 's employees are horribles, i have requested to have both of my credit cards payments dates to be the same dates. back on XXXX 2016 it was supposed to be on the XXXX of each month. the rep i have spoken with promise that it will request it to be on that date. after that when i did not make the payment on the XXXX for XXXX of my credit card the following month they automatically charge me late fees for XXXX then i called to dispute that and another rep. told me he will not remove the late fees because it was not a bank error. that is how all the problems started. it tooked me 3 months to fight that till back on XXXX 2016 i had another rep who decided to fix the problems for both of my credit cards so i can make my payments. i have never been late since i have my cards. capital one representatives are very rude, they even hang up on me several times. I have this rep removed all the late fees for those months after that fights. But they still did not remove the incorrect information reported to the credit bureaus. That started another 6 months of battle with this disgusted credit cards company. One supervisor XXXX hangup on me when i told him a rep name XXXX says she will removed the incorrect information given to the credit report. she put me on hold and come back and says i can not do it. i asked her what you means you can contact the credit bureaus and removed when you say you can do it, She respond to me that she will transfer to XXXX the supervisor who wasted my time for 2 hours and hang up on me. I am reporting the disgusting ways the employees of this company destroyed they customers credit by reporting wrong informations while saying something else to the customers
Consumer complaint received 2016-12-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (TX)

I became aware that my identity was stolen in XXXX 2016. There have been several inquiries into my credit report since that time for items I did not apply for. I have been able to contact most of the companies to have the inquiries removed. Santander Bank has not returned my calls to discuss the false application or confirm that the inquiry will be removed. I have not received a written notice that they will remove the inquiry. Santander Bank made the inquiry on XXXX XXXX, 2016.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have a debt reporting on my credit for a payday loan. I am XXXX, and I am just now learning how to use the internet. I never applied for any loan, and I am disputing the validity of this debt.pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have been carefully reviewing my recent credit reports and noticed that some of my personal information is being reported inaccurately. To assist in correcting and updating these errors, I have attached copies of my identification documents for your verification. Please review them and ensure that the necessary changes are made to reflect the correct information on my report. 

My only name is XXXX XXXX XXXX My only current address is XXXX XXXX XXXX, XXXX, TX XXXX My social security number is XXXX My birthdate is XX/XX/1980 Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (DC)

I opened a Macy 's XXXX credit card roughly XXXX years ago, for which I had a physical credit card issued. In the last XXXX months Macy 's created a separate " store credit '' account under my name separate from my XXXX account ( no physical card, no notification of creation ). This " store credit '' account only tracks purchases made online at Macys.com or through store purchases, both made using the XXXX card. All other purchases made using the XXXX outside of Macy 's are charged to the XXXX card. In XX/XX/2016 I fought a late fee on the " store credit '' account and signed up for autopay, and was reimbursed the late fee and paid the remaining balance in full. Subsequently I was charged interest on the {$0.00} balance, supposedly because it was a delinquent payment ( even though the late fee was waived and a customer service rep submitted the payment ), though I was not notified that the {$0.00} balance would carry a fee. I received notification in XX/XX/2016 that my account was yet again past due, this time with a {$31.00} late fee attached, along with an additional {$4.00} in interest on the previous {$0.00} balance. Apparently the autopay was not set up. I called to have the late fee removed and set up autopay. The late fee was removed but will likely hit my credit report as a delinquent payment. I have not missed a payment in XXXX years and was a few days late on XXXX payment in setting up autopay. 

Macy 's has XXXX XXXX ) set up a secondary credit account without my knowledge or notification for store purchases only, ( XXXX ) charged me interest and late fees on interest for carrying a {$0.00} balance, and ( XXXX ) charged a late fee of {$31.00} without sending a statement.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OH)

Freedom Mortgage became the servicer for my home loan on XXXX XXXX. I made the XXXX payment to my old servicer, XXXX. Freedom Mortgage incorrectly calculated my mortgage payment. They had it at a higher amount. I made my XXXX payment to Freedom. They claimed the XXXX payment was not enough, so they applied no funds to the loan. They obtained the payment made to XXXX. They now had XXXX payments, which they calculated to cover XXXX, because they miscalculated my mortgage. This meant I had XXXX payment made, over 2 months, with a pending positive balance, but not enough to cover the incorrectly calculated mortgage amount. After receiving a stack of paperwork from Freedom saying I would be charged late fees and my credit adversely reported, I called Freedom and they acknowledged my account was current. I received stacks of collection mail in XXXX and XXXX. I called again in XXXX. They confirmed the error was on their end. They were going to put in a " work order '' to correct their accounting error. Stacks of collection mail, notices, threats, late payment charges, and negative credit reporting in XXXX and XXXX. My credit has dropped as a result from over XXXX to the high XXXX. I called again in XXXX. Was supposed to receive a call back from a manager the next day. No call. I am now going to send them a demand letter including a demand for payment for my time in having to deal with this issue, at my billable hourly rate, and the defamation of my credit. I intend to seek attorney fees and expenses associated with their error and fraudulent misrepresentations in stating that my credit would not be negatively reported and that I would not be charged late fees for their error.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts, names, and addresses I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!
Consumer complaint received 2017-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo  has  XXXX  accounts on my credit report with late payments and I am not sure how they are reporting late.      Wells Fargo Dealer Services -   XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  Wells Fargo   Dealer Services -   XXXX  ( 30 days past due  XXXX  )  Wells Fargo Dealer Services -   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   ) The  only thing that I could of is that I did n't get my statement in time or that my payments were not applied on time. I could have sworn I made my payments on time.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX XXXX learned that my personal information was used to open several accounts I did not authorize. I immediately contacted XXXX, XXXX and TransUnion. All 5 accounts now are reporting closed but status is incorrect as they now show balances. 3 of the accounts are reporting late/past due. I am a victim of at least two data breaches and identity theft. I closed the accounts in question immediately. They were not delinquent. None of the accounts were reporting balances. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent supporting documents. 
I enclosed is a copy of my Identity Theft Report, a police report and a copy of my credit report showing the fraudulent items related to each company that are the result of identity theft. Ialso enclosed a copy of the CFPBs Notice to Furnishers of Information. 
I asked each company involved to investigate this matter, absolve me of all subsequent charges, take the steps required under the Fair Credit Reporting Act and send me a letter explaining all findings and actions.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I submit a complaint against BOA through CFPB ( Case number : XXXX ). BOA has submitted some kind of paperwork to XXXX stating that I was using the account forgery. I was a victim of a scam that cost me to lose money and have my BOA account closed and I submitted a copy of the police report to BOA stating that I did not know the check was a fraud and the company portray themselves as a company called XXXX. Before I filed an complaint against BOA, I called them and tried to resolve this issue and I also faxed over an police report. Not knowing that the company was a fraud and the check was a fraud ; I did not call the bank that the check was wrote on to verify the check. So, I just deposited the check in my account thinking that the company was a good company. The manager of the company email and had me to send $ XXXX to XXXX XXXX to pay for the equipment that they are going to send me. I called BOA asking them why I could n't log into my account and the rep stated that the check that I deposit was fake. I was surprise and did not know that the check was fake. So this has caused me a lot of grief and trying to get this settled. Now, I can not open up an account with a credit union, because BOA has posted something negative and inaccurate in my XXXX file. I faxed them the information that they needed to BOA to receive my money back and keep my account open. The rep stated that I would not receive my money back and they have to close my account. So, I just let it go, because I did n't have the money to hire a lawyer to sue BOA. BOA file inaccurate information to XXXX XXXX XXXX stating that I was using the account to contain forgery or fraud transaction. I have never in my life use anything forgery or fraud to get what I want. I tried to explain to both parties BOA and XXXX, I was a victim of a scam. I have a police report showing that I was a victim of scam. Now XXXX has inaccurate information on my file and I wo n't be able to open up any account because of this. Fraud can mean anything that a bank wants it to. BOA and XXXX need to provide proof why they flag my account as fraud or abuse? What proof do they have that shows that I intended to commit fraud? BOA need to look at the handwriting on the check to verify that it was not my handwriting that signed the check ( I did sign the check in the back ) Both party violated the FCRA because I was not tolded by BOA and XXXX that this information would be used against me and I wo n't be able to open any accounts with other banks.