davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX I XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX : Account # *******************Dear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accountsAnd maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to Account # XXXX with the XXXX credit reporting agencies. 
Although I made a late payment XX/XX/XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payment was a temporary oversight and it has not occurred since that time. The late payments I am requesting deleted and / or removed occurred XX/XX/XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
SincerelyXXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Relevant documents are included for your review and reference.
Consumer complaint received 2024-11-22
Product: Credit reporting 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)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

I purchased product from sleepy 's on store card in XXXX of XXXX, item was defective and had to be exchanged. Sleepy 's double charged for new item and left mattresses on the sidewalk in front of my building rather than dispose of properly which is against law in XXXX. I had to pay {$500.00} to have a moving company come immediately to take as my landlord would be fined. I had to call Sleepy 's corporate for months and they stated they never received mattresses and I stated because they dumped on my sidewalk. They finally admitted to this I paid for the original purchase only and closed my account, Sleepy 's accepted account as paid in full, as I had to pay for removal of mattresses that they were supposed to do. Now 3 years later a law firm stating that I owe almost {$2000.00} more than original purchase after Sleepy 's changed from XXXX to XXXX bank about 2 years ago. Sleepy 's reported to XXXX XXXX that account was closed in XXXX of XXXX, however, I just now see they claimed it was delinquent, which it was not, they were delinquent in sending me defective merchandise and then dumping in front of my home and then trying to double charge me.
Consumer complaint received 2015-09-29
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Multiple calls every day even though I advised them that I am not going to provide personal information over the phone because I do not even know who they are. They keep trying to verify my address and date of birth. I get numerous calls back to back. All hours of the day, while I 'm working, on weekends, etc.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported to be removed.

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.

Experian 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 XXXX 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 2015-11-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (MD)

I submitted a complaint back in XXXX against XXXX XXXX XXXX who was trying to collect money for a student loan for XXXX XXXX XXXX XXXX in the amount of {$15000.00}. I opened this loan back in XX/XX/XXXX with XXXX XXXX XXXX not with the XXXX XXXX XXXX XXXX. I was paying them through American Education Services ... it was different company at first and then it changed to AES. I had been paying on this loan since XX/XX/XXXX and the loan amount never changed. I never missed a payment or been late on a payment so technically the loan has been paid in full already. I did n't stop paying on the loan until I filed bankruptcy. XXXX XXXX XXXX XXXX never appeared for the bankruptcy hearing to dispute discharging the loan. Now my credit is being hit and I have been sent to second collection XXXX XXXX XXXX XXXX since I reported XXXX XXXX to you bank in XX/XX/XXXX. XXXX XXXX XXXX has called me several times harassing me about paying the loan in the amount of {$16000.00}. The company I originally open the loan with went bankrupt and transferred my loan over. Also they do not have a signed copy of a promissory note by me because of these facts I know they I do not have to repay this loan. I fill as though my rights have been violated and would appreciate if you would assist in the matter again. I recently checked my credit report and the Loan has been closed out since I last reported the issue with you regarding the XXXX XXXX. So I am not sure why XXXX XXXX XXXX is contacting me when the loans has been closed out.
Consumer complaint received 2024-09-03
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-03
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. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

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. 1681s-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 2024-11-21
Product: Credit reporting 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. (VA)

It is my personal statement that the inquiries that I have listed are a result of identity theft and must be deleted within four business days of your receipt of this report pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) please update my personal information to reflect accurately on my credit file.

SEE ATTACHED IDENTITY THEFT REPORT.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (MN)

Quicken Loans " allows " me to make bi weekly payments, but then states they do not apply them bi weekly to reduce the interest on my loan. This is at the least unethical and deceitful. I want my biweekly payments that they take automatically out of my checking account credited when I make them. My loan was taken out with biweekly payments as part of the conversation with my loan officer so I can pay the loan faster and keep the interest down.
Consumer complaint received 2015-04-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (NY)

I have been with M & T bank for a while and have had issues with my money being played withThe feds frauded meI have n't received my policies and I 'm just to the point idk know what to doMy debit card is offMy name is XXXX XXXX
Consumer complaint received 2016-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amscot Corporation (FL)

I have told them numerous times that I am not the female they keep asking for. I have explained to them I will be reporting them. I have told them to record all my conversations with them and to put my complaint in their computer. I just received another phone call today.
Consumer complaint received 2024-09-03
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. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  / XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IN)

I fell behind on making Seterus mortgage payment. I made arrangements to add additional money to my monthly payments. I noticed additional fees. I expected late charges but was billed for such things as inspections, title searches, etc. I called to find out my all my extra payments were going to a " suspense '' account and not the arrearage, and to determine the remaining arrearage. I have paid in excess of {$200.00} over the balance they stated as evidenced by online banking however my arrearage is not closed and no one at Seterus can provide me answers. I 've asked for a breakdown as to how they have applied the payments numerous times and still have not received anything. 

I would think the " suspense '' account would be illegal. I pay in extra money expecting it to go against the arrearage, It sits in this mysterious account earning Seterus interest and not being applied toward my account until it reaches the normal monthly payment. 

I want to review the extra fees and how my money was applied and all I get is ignored.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I have initiated XXXX separate disputes with EQUIFAX for XXXX XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and EQUIFAX has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

XXXX XXXX
Consumer complaint received 2024-09-03
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-01-18
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: QC HOLDINGS INC (MO)

The Payday loan lender QuikCash XXXX MO contacted my friend about my payday loan and gave him explicit details about my loan. When I got it, how much I owed, and told him that he should help me pay it. This is unacceptable behavior as this is personal information.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX. XX/XX/XXXX, XXXX {$1200.00} XXXX {$0.00} XXXX XXXX, XXXX {$0.00} XXXX XXXX, XXXX {$0.00} XXXX XXXX, XXXX {$500.00} XXXX XXXX, XXXX {$120.00} XXXX XXXX, XXXX {$500.00} XXXX XXXX, XXXX {$510.00} XXXX XXXX, XXXX {$5900.00} XXXX XXXX, XXXX {$390.00} XXXX XXXX, XXXX {$0.00} Action taken by me requesting to validate or remove from credit profile
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>2024, and I have not yet received a response.
Consumer complaint received 2016-01-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX/XXXX/XXXX I opened and a SECURED self-funded credit card with {$400.00} at a Wells Fargo Bank. I never used the card. I did pay the annual {$25.00} fee. On XXXX/XXXX/XXXX I phoned Wells Fargo and cancelled the card. It was agreed that I had never used the card and had authorized no recurring charges to occur on the card. The balance ( minus the annual fee ) was intact. I was told that it would take 45 to 60 to release my money. I find the 45-60 day delay in refunding me unacceptable as the card was immediately voided and as it was a secured self-funded credit card had no liability to Wells Fargo Bank ever. Wells Fargo 's written terms for holding the the balance states it is " to cover transactions that may be posted to the credit card account after it is closed '' which makes no sense. 

I would appreciate CFPB to investigate this practice at Wells Fargo bank.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX opened up a credit account ( Acct XXXX ) on XX/XX/year> using my social security number. This account was reported to TransUnion and XXXX and was included in my credit file. My credit is locked/frozen for both credit bureaus, but XXXX still somehow opened this account. 

After receiving the credit alert from TransUnion and XXXX of the new account, I contacted XXXX to report the fraud. They could not locate any record of the account, despite having reported the account to 2 credit bureaus. Because of this, they also refused to open up an investigation of fraud so that bureaus can take action to remove the account reported by XXXX from my credit report. 

My credit has been negatively effected by XXXX 's fraudulent activities.