davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I submitted 3 credit card payments for 3 different accounts. As I have done for years. The problem came about after the default setting on the credit card payment system automatically selects the first account listed on your list of accounts as a default account. If you forget to change the account selection or it doesn't register when you do change it, the payment comes out of the wrong account. I have been a Capitol One member since XXXX. I have had at least 5 credit cards with them all in good standing up until closed. Capitol One has a system that is tricky and if you don't make sure that all boxes have the correct selected info, an error can occur. When I made my payment for the month of XX/XX/XXXX. The payment was made under the wrong account. When I saw that the payment was made from the wrong account. I immediately called Capitol One and tried to get the payment cancelled. I was told once a payment is made that i could not cancel the payment. So I logged into my XXXX XXXX to transfer money into my account, I found out that my account had been closed for no apparent reason and I wasn't even notified. I have 6 accounts with XXXX and the account was closed without notification. i have filed a complaint with the OCC regarding XXXX and this matter and I am waiting for a response. In the meantime while I was out of the country for a week, Capitol One called this fraud and closed my accounts that were all in good standing. This is the second time I have had a problem with their faulty system. There are several accounts listed that I use to pay all my bills and the first one listed is the default account. The fact that this has negatively impacted my credit rating is absolutely ridiculous. I have paid my bills on time and yet because of an error on 1 account, which I called them about, Capitol One closed all 3 of my credit card accounts, which has negatively affected my credit rating. I will also be sending a letter to my congressman because this usually gets nothing done about the situation at hand!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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


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

I demand the late payment to be updated.

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

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


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

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

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

Update the late payments from my consumer reports
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been a Capital One customer for over three years having a personal and business checking account a secured card. I was recently offered a credit card ( Capital one Savor Card ) around XX/XX/2024. Soon after I was approved and began to use the card. I received an offer from capital one to use a certain amount in a certain period of time to receive rewards in the form of a credit on my statement. I decided to use the card for some car repair and a trip I had planned with my family to take advantage of this offer. Two months after having the card I was notified via email that my account and all of my accounts associated with my name and social will be closed due to " inconsistent with typical customer account usage ''. I immediately called them to find out what exactly does this mean and was not given a reason or example of what I did wrong to have all of my accounts closed. I was told that I will never be able to open any form of account with capital one in the future still with no valid reason for their action against me. Not only have they caused my credit score to drop over XXXX points for the account usage but have unfairly discriminated against me for whatever reason. I have always made my payments on time. My personal and business bank accounts have never gone into a negative status. I do not purchase gift cards and consider myself a responsible banking customer. I make daily deposits from my small business. My banking activity is not illegal and is consistent with a small business owner I even work fulltime and deposit my paychecks weekly. I was never given a reason or a chance to possibly explain any activity that may be in question.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KY)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I go on my credit report and see there is no debt to speak of whatsoever. My total debt is only XXXX account for a little over {$500.00} that I didn't even make. I disputed this but I feel if it dropped off my score would probably go down instead of up. This score is holding me back from being able to achieve any kind of a new vehicle or a home! Because of this I can't build good credit at all. When I apply for credit they even hold that against me. I feel someone with XXXX debt should have a great score and mine just keeps going down! This is a very unjust process and needs to be reviewed and corrected! Someone has to see my point of view is correct and help me so that I am given the opportunities to move up in my finances.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Notified Transunion that I received a fraud alet from another service I use and when I checked I saw 2 hard inquiries that were not mine ( fraudulent ) and to immediately remove them. They are : 1. XXXX XXXX XXXX on XX/XX/2023 2. XXXX XXXX on XX/XX/2023 I monitor my credit and these were shown to me on a fraud alert and I notified transunion and want them removed immediately.
Consumer complaint received 2023-10-14
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (MI)

Opened a GM Rewards Credit Card issued by Marcus by Goldman Sachs in XX/XX/XXXX, in connection with a promotional offer on a new car lease. 
Put {$3300.00} on card as part of new lease. 
In verbal discussions with the dealership and marketing materials for the card, it was represented to me that under the promotional offer, nothing would be due for one year as I was on a 0 % interest promotional offer. I confirmed with the dealership that I can pay off the entire balance in one year and not owe any more than the initial charge. 
On XX/XX/XXXX, I was charged a late fee of {$29.00} on the minimum payment of {$32.00} not made. 
On XX/XX/XXXX, I called and spoke with a representative at Marcus, who explained that those were not the terms of the card and that monthly payments were still due. 
I have not used the card for anything other than the initial payment to the GM dealership. 
I asked for a waiver of the late fee and report of late payment on my account to credit agencies to account for the confusion. 
First agent was unable to grant waiver, escalated to supervisor. 
I will maintain my monthly payments from now on.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of a recent data breach and am requesting the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove these items to prevent any potential fraud due to the exposure of my personal information. 
Accounts to Be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$4500.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$270.00} Inquiries to Be Blocked and Deleted : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I seek your assistance with the misreported account on my credit report. This has been harmful to my reputation as a customer, and I would appreciate your support. Please remove these accounts as they are being inaccurately reported in a negative way.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (TN)

On my motor vehicle report it shows on XX/XX/2017 that I was involved in an accident. It does not show where the accident was at no fault of my own. My car was parked when another vehicle hit my vehicle. When current and future employers look into my motor vehicle report, it will look like I was driving when the accident happened and could get the employer to reject my application. Please look into this matter because it could hurt applicants from the way Checkr Inc. posted the accident in the motor vehicle report.
Consumer complaint received 2023-10-14
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: EQUIFAX, INC. (NM)

There is an account from XXXX  XXXX XXXX that was closed in XXXX. XXXX  XXXX XXXX does not have me on their files. This information continues to show on my Equifax credit report. When I call their dispute center they claim that they can not read the dispute results that they themselves have sent to me. 
The account shows that it was in good standing and closed in XX/XX/XXXX, however it shows that there were three late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is impossible because the account was closed in XXXX. The customer service that works in the dispute center refuses to help and they claim that they do not have access to my dispute information. If the dispute center does not have access to my dispute information then who does? How come they will not help me when the numbers clearly indicate an error?
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

ADDRESSES ARE INCORRECT AND INVALID AND SHOULD BE REMOVED FROM MY CREDIT REPORTS: 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 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 2024-04-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Merchants Credit Corporation (WA)

the primary owner of the car had me as what i thought was a reference but later found out I was a cosigner. I had tried to figure out why all the corresponded emails were only coming to my email and phone calls only to my phone. I was told by the primary owner that the insurance company paid for the car as it was listed as a complete loss and the insurance company paid the car loan off. after the owner XXXX XXXX and XXXX XXXX handled the total loss I was told there would be nothing more needed from me. I signed over the title with the other person XXXX and now I am getting a summons in the mail saying I woe XXXX for an amount on this vehicle but was told that the bank accepted the settlement payment to pay off the Loan. 

two questions ; How can this bank come after me for an amount they agreed on and signed a contract that voided the previous contract? 
XXXX XXXX and other XXXX 's state that once they signed and agreed on a settlement that I am not responsible for any additional contract that XXXX and XXXX agreed on for their issues with her vehicle. 
My credit has been held hostage and I have been bullied buy this credit union and I also had been falsely entered as Primary loan person when the documents do not say I am primary anything. How can the Bank switch Primary without a signature?

I am a single Mom of a child with XXXX XXXX and my parents are passed away and I have absolutely no help. I can not afford this huge amount and still take car eof my child and all the things I have to already do on my own. XXXX does not deny owing this money. She believes that the bank owes her money but i cant keep waiting for the bank and XXXX to settle their issues and I am being held when I sign away all responsibility when the insurance for her vehicle and for her contract that they entered in without me. 

thank you for any help in this. I really need to make sure i do not have to keep being held back by this. Its creating a hardship for myself and my son.
Consumer complaint received 2023-10-14
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. (GA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2022-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc. (CT)

This is not my debt. This is the debt of a family member. I was contacted several occasions and left voice messages on XX/XX/22 and XX/XX/22 by XXXX XXXX ( XXXX ) of XXXX ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). On these voice messages there was threatened action of contacting employer, filing claims against SSN, accessing personal financial records of said family member/disclosure of debt. I attempted to call back to ask for my number to be removed and was unable to reach this person. I chatted online at the ARS asking how my phone number was obtained as the family member of the debtor and was told they didnt know and I had the wrong company. I would like this harassment to stop and will be filing additional complaints with state agencies.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.