davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the late payment entry on my credit report, as it is in violation of the Consumer Credit Protection Act [ 15 U.S.C. 1666 ] - Timing of Payments. After carefully reviewing my credit report, I noticed that XXXX reported a late payment for the following months : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 However, I believe that this late payment entry is inaccurate and should be removed from my credit report. 
Account Information Creditor Name : XXXX  Account Number : XXXX Date of Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 I kindly request that you investigate this matter promptly and provide evidence to support the accuracy of the late payment entry. As per the Consumer Credit Protection Act, creditors are required to comply with specific rules regarding the reporting of late payments : 1. Accurate Reporting : Creditors are required to report accurate and timely information to credit bureaus. Any discrepancies or inaccuracies in reporting may lead to a violation of consumer rights.

2. Timing of Payments : According to the Consumer Credit Protection Act [ 15 U.S.C. 1666 ], if a consumer sends a payment within 60 days after the due date, the creditor can not report the payment as late. I assert that I made the payment in question within this grace period, and the late payment entry is, therefore, in violation of this law.

3. Notice of Error : Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ], I have the right to dispute any inaccurate information on my credit report. I am formally notifying you of this error and requesting its prompt correction. 
I kindly request that you review the information provided by XXXX and verify the accuracy of the late payment entry on my credit report. If you can not substantiate this late payment with valid evidence, I urge you to remove it from my credit report immediately. 
As per the Fair Credit Reporting Act, I expect your timely response to this dispute within 30 days from the date of receipt of this letter. Failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies to protect my rights under the law. Please provide a written response to this dispute and update my credit report accordingly.

Thank you for your prompt attention to this dispute. I trust that you will handle this matter diligently and in compliance with the laws and regulations governing consumer credit protection. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-09-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (FL)

I tried to dispute this case with BB & T and was treated very poorly in many nice words.I am attaching the letter I gave them. I overdrew my account XXXX yet I got charge XXXX times for a total of {$460.00} instead of {$72.00}. Why am I disputing this? Well according to their posting procedure which should have been posted in order I would not have had this issue. I first spoke to the senior personal banker and I know she do not really wanted to clear this.I am just speculating. I apologize if I am wrong. I also spoke to the manager seemed to understand but said to me that It would not be fair to treat me special ( XXXX/XXXX/2015 ) .I do n't care to be special just do n't rob me or anyone blindly. At least XXXX XXXX XXXX and XXXX do not deceive their customers in their disclosures. They state clearly that they can change posting orders which I am sending to you to see what they have on paper. 
BB & T representative at the branch said it is considered a hard posting. I do n't see how the computer system coincides with their policy. I am willing to take them to arbitration.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (TX)

Greetings, I have opened a checking account to consolidate and separate business from personal transactions for ease of documentation. 

I have made several transfers back and forth due to the consolidation. US Bank closed my account and stated that they would send me a check for the {$5500.00} dollars that was in the account by the end of XX/XX/2023. 

Not only have I not received the money, but I have been getting the runaround. I called customer service and was told that I needed to go to a branch. Not only was the account opened online, but there is no US Bank branch in Texas. 

I contacted two branches ; one in Kentucky and one in Ohio, and exchanged calls and emails with both branch managers who told me that they could not give me the money in the branch. 

Customer service stated that the money is in their XXXX XXXX account and can only be disbursed in a branch. 

My checking account number is or was : XXXX XXXX XXXX XXXX This has been going on for several months and they are refusing to give me my money. 

I am reaching out for help in making this right as I desperately need my money. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Due to job loss back in 2008 I could not pay all my debts. I had contacted the Capital one company and told them I could not pay and to close my account. My credit limit was only {$500.00} and I had not maxed the balance out, but was paying on the balance. I discovered 2 years later that my balance had jumped from {$370.00} to $ XXXX!!! When I contacted Capital one, I was advised that because I had not been paying my balance timely enough, that the charges were continued late fees, penalties and interest! I understand late fees and some interest, but how in the world could anyone pay off a balance with no job when they continue to increase with no cap? I tried to negotiate with them to have me pay off the balance at a set fee, but they still would not allow the negotiation. It still remains on my credit today and after many calls they will not agree to anything! It is not as though I have n't tried over and over, but the charges are excessive and unfair.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AK)

The entire history of my reports show one account reporting adverse information to all three Credit Agencies of a 30-day late payment in XXXX of 2019 to XXXX XXXX XXXX I have sent letters from XXXX XXXX to all three agencies and phoned XXXX XXXX about this matter and despite being continuously told that it is resolved, the late payment still tends to reappear and reflect on my report, now on all three bureaus. In the fall of 2019, a XXXX XXXX XXXX merchant had a system error wherein they somehow accidentally recharged their consumers for the tip portion of their service payments - months after the service had occurred. I was unaware of the charge believing myself to have a XXXX balance on a card I rarely used. The XXXX XXXX emailed apologies to their customers and refunded the charges to their customers. XXXX XXXX agreed to remove the 30-day late as it was a result of the vendor error and mailed me a letter agreeing to such. I in turn mailed copies of this letter to each agency, but it continues to resurface on my credit reporting, now 5 years later.
Consumer complaint received 2023-11-06
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. (IL)

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 USC 1681 section 602 A.States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Consumer complaint received 2016-03-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO. (MO)

I talked to a rep a few months ago about my Chase Private loans and she said no more interest would accure on account and my payments would be $ XXXX month until account pd off. I told her I needed to discuss with my husband everytime I call back they are not working with me on an affordable plan I was recently offered. 
They are giving me options that are not affordable at all. I want what I was offered so I can start paying on these loans.
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (OK)

DIVERSIFIED CONSULTANTS INC has place a trade-line on my credit report. XXXX was the original creditor, and there was a dispute already placed with XXXX. XXXX reported to me that they closed this account with a XXXX balance.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CREDIT ACCEPTANCE CORPORATION (GA)

XXXX has a paid car loan on my report thats in collections by error, the car was paid in full before it was sent to colloection, after speaking with the bank itself who agrees that it should not be in collection, i filed several disputes explaining this is an error, they still says is verified, i never recieved anything showing proof its verified, There is no dollar amount to collect wich it clearly says on the account, Spoke to bank several times and they are certain that they have not recieved anything about this and agrees it should not be there and needs to be removed from all three beuros, nor has XXXX remove the past addresses from my personal information from my previous complaint, i need this account remove from all three beuros The accout XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2022, in XXXX, XXXX XXXX court in a divorce issue, the house and loan was my ex-wife responsibility. Court Documents were sent to all 3 credit agencies numerous times along with them being sent to Chase Bank in that I was no longer financial responsible nor own the home. They have refused to remove it from my credit report, tell me they don't have to remove it or take it out of my name after all documents have been signed three times. Last year I reported identity thief, and my credit is locked and now another credit card is on my credit report and getting phone call on that and on the late payment on the house. 
This has stopped me from getting financed for a home and they will not correct their mistake even when i have submitted document numerous times to all three credit agencies and Chase Bank. This has also interfered with me in getting any kind of loan when they don't report the truth on my credit report. I'm requesting your help in correcting these agencies and Chase and the credit card agency on my credit report.
Consumer complaint received 2024-10-24
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. (FL)

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 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Hi, I have been requesting over and over to have my personal information updated as it is reporting inaccurately. 

I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate!! 

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX XXXX. 
Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/1993 Please remove any other dates or years you have listed. 

My employers name is as follows : XXXXXXXX XXXX XXXXXXXX Please remove any other employers that you have listed. 

Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX Date of Birth : XX/XX/1993 After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX Enclosed : Photo ID, Proof of SSN, Proof of Address
Consumer complaint received 2015-09-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RevMD Partners, LLC. (AZ)

My XXXX is XXXX years old and not capable of entering into a legally binding contract. I handle his finances for him. All of a sudden his credit score as shown on a credit card statement has dropped XXXX points. I suspected Identity theft and contacted all of the credit bureaus. 
The XXXX XXXX report shows XXXX adverse collection accounts from " REVMD Partners '' with no other information. I have never heard of these people, there has been no collection activity, and no communication of any type from them, written or oral. 
Dad does not owe anyone any money and this is clearly an attempt to XXXX by holding their credit report XXXX. 
We need to protect our XXXX citizens, and in this case an impaired veteran from XXXX. Totally intolerable. 
And I was so upset when I got this information that I was quite upset and awake all night with night sweats. 
These people should not be allowed to do this and instead should be making license plates or pounding big rocks into little rocks, if you know what I mean.
Consumer complaint received 2016-02-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Grant Mercantile Agency (CA)

I had a medical bill in which the first invoices were not received via mail, I paid subsequent invoice off in full directly to medical vendor after receiving subsequent bill. Later on I notice a collection debt from Grant mercantile agency on my credit reports for collection. I have tried to dispute this, it lingers on my credit reports for something I do not know of or owe, should n't have to pay and need help to get this removed as they are refusing to remove a XXXX dollar derogatory charge.
Consumer complaint received 2023-11-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (WA)

Our mortgage qualified for a XXXX forbearance and when we came out of the forbearance our account was sold to Flagstar. They immediately told us we could not make a payment and we needed to submit a loss mitigation form. We did that and were told that we needed to make XXXX payments of over $ XXXX each which we told them we could not afford. My husband is XXXX XXXX XXXX and XXXX every few months on a submarine. He was told that they would pause any movement on the account if he submitted his orders under the SCRA. We did that and were sent a denial and told we needed to pay the balance. We did not request to have the balance forgiven, we just did what they said in regards to pausing things. We have been given the run around by this bank, they told us that they had no record of our forbearance. I submitted a XXXX complaint and received a letter from the bank president stating our forbearance was extended to XX/XX/XXXX. But as of XXXX we were already in foreclosure and were told we can't make any payments. This again, was all happening while my husband was XXXX. We submitted a loss mitigation application and were denied because " the forbearance wasn't the result of a disaster '' and that we are not able to refinance. Our ONLY option is to give them $ XXXX or our house will be sold in 2 months. This is beyond predatory and I feel that the bank has made it impossible for us to keep our home. They limited what options we had and the few that we did they denied. I reached out to an attorney who immediately knew who Flagstar was and their history which includes the judgment against them for these exact practices in XXXX. I do not believe that they have changed or that they are following the law in regards to our case.
Consumer complaint received 2023-11-06
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. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Open Accounts : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Closed Accounts : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation (TN)

I had a car loan with another company for my XXXX XXXX that I bought in XXXX. I only owed in XXXX {$11000.00}. I was told by One Main Financial that if I went to them my payments would be smaller and I would pay it off faster. I was told the amount owed was {$12000.00}, because they gave me {$1200.00} as a personal loan for. When I was reviewing the contract I noticed that the full amount was {$21000.00} for the loan and was told by the manager that was not a true number and to ignore it, that I would actually owe less on my car than the {$11000.00} to pay it off. I was also told in order to get this deal, I would have to sign that day and that I would not be eligible the next day. She told me that she had to go pick up her kids from daycare and that I had to sign the documents now or they could not offer this great deal to me again Over time, I would mention that the account online said it was still {$21000.00} owed and again was told that wasn't a true number and to ignore it. After making payments for three years, I called for the true payout amount and was told it {$15000.00}. That is more than I owed before I got this loan with OneMain. I filed a complaint and then was told again that the {$15000.00} was not the true amount if I paid extra every month. The math does not add up. So I have literally paid for my car twice. This is fraud and I was misled on several occasions about the payout amount. I am stuck in this loan. People should know about this fraudulent activity from this company. Furthermore, I have requested on numerous occasions to not call me during work hours and they continued to do so. They lied about the amount owed and continued to lie about it. This is fraud and they are having people sign for loans and giving them fraudulent information about them.
Consumer complaint received 2023-11-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CITIBANK, N.A. (PA)

In XXXX XXXX XXXX  sent messages to me about Citi card charging me XXXX $ and Best Buy XXXX $ dollars due to someone else used them not me. I tried to report the banks but they took much time to investigate them and now they ask me for make payment for credit I didnt use them