davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

InXX/XX/XXXX2017, I made a purchase with my credit card at Kohl 's depart store in XXXX DE. Vacation travel had me stuck in Florida during Hurricane XXXX for the first week XX/XX/XXXXso when I returned home I realized my bill. I immediately phoned Koh*s and satisfied my minimum payment. I received a late fee forgiveness for the two day late payment. At least that is what the representative assured me. Whn I receive this months bill forXX/XX/XXXX the balance with credits do not reflect the late fee retracted. the balance of {$130.00} minus my credits of XXXX should leave a remaining balance of {$10.00} added to the onlyXX/XX/XXXX purchase of XXXX, giving me a balance owed of {$45.00}. Instead Kohls has my ending balance as XXXX  again for the month of XX/XX/XXXX
Consumer complaint received 2017-09-24
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. (MD)

Account was paid in full ; however, XXXX XXXX/XXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.
Consumer complaint received 2024-10-04
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. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

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 is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2018-01-01
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: ENCORE CAPITAL GROUP INC. (AR)

I have disputed with XXXX XXXX more times than I written down Requesting validation bearing my signature from the disputing them with the credit bureaus. and they refuse to send me the correct validation I requested 1. When was the account opened. 2. The first time I missed a payment. 3. When did you take over the account 4. Validation that is a competent evidence bearing my signature showing that i have or ever had some contractual obligation to pay you. They will not release this information to me and its been way over a year. Also I can submitted by mail a certified mail receipt and letter I wrote and the company never responded the so called original credited and any company that represent them with again no responds from either company.
Consumer complaint received 2018-01-01
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.
Consumer complaint received 2018-01-01
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. (PA)

XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2017-12-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio claims I owe XXXX to them. I received paperwork in the mail where they took it to court in Virginia in XX/XX/XXXX. I just got the letter a couple days ago. I was not informed of court so that I could be there.
Consumer complaint received 2017-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had acredit card with capital one and i was pay in time every month and every thing was good, and on XX/XX/XXXX i reopened checking acount on XXXX XXXX i had it before but with new acount number and the same routing number, and when i caome to pay the bill of capital one on XX/XX/XXXX iput the old account number of the chase account because the customer service on XXXX XXXX print the old checking deposit statment .not the new account. So capital one returned the payment and when i got the mail from capital one i contact with XXXX XXXX  and they gave me the right deposit statment and at the same day i paid the bill again on XX/XX/XXXX and its still was n't late payment but i found capital one closed my account with no reson
Consumer complaint received 2017-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have been attempting to pay down my student loans for the past 17 years and have repeatedly had payments in excess of the minimum due either misapplied or not applied at all. For example, a payment on XX/XX/XXXX was lost, after the check was included in a separate envelope attached to my letter asking for the overpayment amount to be applied to the principal balance on my account without advancing the due date. Additionally, I have twice been charged late fees in spite of never having missed a due date. Late fees were charged to my account on XX/XX/XXXX and again on XX/XX/XXXX, in spite of no gaps in my payment history. 

Only after very carefully reviewing my account, did I discover in late XX/XX/XXXX that Navient was not applying overpayment amounts correctly. Routinely, in spite of providing two separate letters to Navient with clear instructions, Navient would apply overpayment amounts by advancing the due date. This obviously allows Navient to collect interest on a higher principal balance. This issue was addressed through numerous phone calls and eventually the payments were correctly applied. However, the issue continues. On XX/XX/XXXX, Navient again applied an overpayment incorrectly, again with clear instructions on how to apply the payment correctly. 

Unfortunately, I do not have time each month to spend days working to ensure that my payment is applied correctly. I have regrettably resorted, recently, to paying the minimum amount due, so as to avoid the numerous hours and trouble that almost certainly ensues when I attempt to pay toward the principal balance. I would guess that this is precisely what Navient would hope for when making it difficult to pay down student loans. Again, it is not a minor inconvenience ; these practices are a very real impediment to paying off my student loans.
Consumer complaint received 2017-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC. (FL)

On XXXX XXXX,2017 I received a notification from the credit monitoring site that a new collection account has been added to my credit report. Being that I have been a victim of the identify thief twice this was very alarming to me. The debt collector Premiere sent me notification of an alleged debt in which I followed up in writing within the 30 day window to dispute this alleged debt. Not only did I dispute this debt in writing I also requested that they provide me with copies of medical records and statements from the original credit. I took it upon myself to also reach out to the original creditor XXXX XXXX XXXX XXXX and request the same information in question. After disputing this alledge debt with Premiere and the original creditor, I also sent over proof of identify theif. The original creditor agreed that this account was linked to fraud and deceased collection attempts. Premiere on the other has violated my rights under the fair debt collection practices act section 809 which states I have the right to dispute this debt within 30 days and I also have the right to request proof of the alleged debt of which contains my signature. Premiere is unable to provide this information because it does not exist! I request that all collection attempts and negative reporting to all credit bureaus cease immediately before I seek legal action!
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (TN)

several companies also on this list. 

XXXX XXXX simple XXXX XXXX XXXX XXXX XXXX XXXX refusal under regulation Z to reimburse consumer for charges never made or for charges for cancelled accounts that other companies ( 3 insurance and credit bureaus ) are runaway billing the consumer for and will not cease. 

XXXX cardholder agreement says that the charges can be reverse at any time and the consumer has a right to the money. Cards may be reissued, ( wasnt for XXXX XXXX ) however, the consumer is still owed the money and nobody wants to return it. 

I am owed over {$500.00}. because XXXX and XXXX ( XXXX and XXXX own thier cards and networks and issue cards directly ) subcontract they dont care anymore about the consumer.They leave it up to banks and banks give even less a " XXXX XXXX XXXX ''.
Consumer complaint received 2017-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MS)

I have a XXXX 's XXXX card thru synchrony bank. I paid off the account 26 % interest with checks I receive from another account. XXXX XXXX had closed that account 3 months prior ) my thinking was they were reopening the account due to the fact they sent checks. They did not pay so my XXXX 's account was pass due {$35.00} now due XXXX. I had never been late and always paid more than was due. Then the phone calls started from some overseas XXXX people I could barley understand. They call day and night from XXXX to XXXX pm ever XXXX to XXXX minutes. I have paid their {$35.00} and BEGGED them to stop calling but they still call. I am a senior with severe XXXX XXXX. I have called Synchrony bank and told them all will be paid on the due date like my statement says but they said NO I will continue to get daily calls that is their practice Is their anyone out there that can stop this company!!!.
Consumer complaint received 2017-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (PA)

I am in a loan modification trial that was approved by XXXX XXXX not Seterus ( the servicer ). I am receiving statements that my loan is behind and the payment I made on XXXX is being held in a suspense acct. So now I am going to show late on my credit report which should be corrected.
Consumer complaint received 2024-10-04
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. (GA)

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. 

Account Name : 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 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 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 Account Number : XXXX and list of Inquiries 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 2024-10-12
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: Experian Information Solutions Inc. (FL)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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 2017-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (HI)

Communications through the mail and phone calls from XXXX XXXX XXXX for Paypal Credit of  {$730.00} not owed by me. Contacted paypal who confirm no such debt. 

Latest letter datedXX/XX/2017
Consumer complaint received 2024-10-04
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. (NC)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 2017-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Consumer complaint received 2017-09-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

In XXXX of this year, I applied for refinancing with CitiBank/CitiMortgage on behalf of my father. We were approved in principal for the loan XXXX credit approved etc. ) and paid the applicable fees of over {$500.00} for the assessment etc. 

I confirmed with Citi on numerous occasions that my father 's input would NOT be necessary until closing. In fact, despite my power of attorney for my father 's accounts, I was told it would be better to wait until closing for his authorization in person. 

Regardless, during XXXX Citi 's underwriters attempted to contact my father via phone to confirm authorization. My father is elderly and hard of hearing and usually does not answer the phone. Rather than communicate with my loan officer at Citi or myself, Citi initiated investigations of fraud via both XXXX County Adult Protective Services and the local police department. 

Despite the fact that both agencies performed full investigations and cleared me of any wrongdoing, I was then denied credit for the following reasons : XXXX Unable to confirm identity * Unable to verify residence or occupancy Even though BOTH were verified by the investigating agencies. Both investigating agencies communicated to me personally that this never should have happened. 

Within the last month I secured the refinancing through a different lender, with ZERO problems.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (CT)

It happened on XXXX/XXXX/2014. Someone gave me 2 {$200.00} checks to cash for him. I did then i realized my account was deactivated so I called my back. I recorded a claim for fraud and called the police. They did a police report and have a warrant or for the guys arrest. I sent it to the fraud department with the warrant and a letter but they declind my request.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (KS)

On XX/XX/XXXX I attempted to obtain my free annual credit report from Equifax. The company responded that it was not able to deliver my report online. The exact same thing happened the last several times I attempted to retrieve my Equifax credit report. In XX/XX/XXXX I provided the company with the requested identity documents by mail and did subsequently receive the report. The online questionnaire was completed correctly in all instances, and the company has never provided me with any explanation as to why it refused my online request. I have attempted to contact the company by phone but could only reach automated responses. I have not had any problems with online access from the other two reporting companies, only Equifax.
Consumer complaint received 2024-10-12
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. (OH)

I am writing to request the removal of specific information from my credit file. I have attached a XXXX document detailing the items that need to be deleted. I am a victim of identity theft and have discovered multiple accounts and inquiries on my credit report that I did not apply for. 

To support my claim, I have reported this identity theft to the Federal Trade Commission and enclosed copies of the report. I kindly ask that these inaccuracies be removed from my credit report to ensure it reflects only accurate information. 

Please block this information in accordance with Section 605B of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response.