davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (MN)

I established an American Express Business Checking account using the following promotion ; American Express is offering a bonus of XXXX Membership Rewards points when you open a new business checking account and complete the following requirements : Deposit {$5000.00} within 30 days of account opening Maintain an average balance of {$5000.00} for 60 days after account opening Make XXXX or more qualifying transactions within 60 days of account opening ( qualifying transactions are mobile deposits, and electronic/online transactions including XXXX, Wire, and Bill Payments ) I deposited $ XXXX in my account within 20 days, maintained the $ XXXX for XXXX days and made XXXX or more transactions within 60 days. I noted the qualifying transactions and the eventual withdrawal. However, AMEX never deposited XXXX Membership Rewards points to my account. 
XX/XX/XXXX - Withdrawal of - {$5000.00} XX/XX/XXXX - XXXX Debit for - {$1.00} XX/XX/XXXX - XXXX XXXX for - {$1.00} XX/XX/XXXX - XXXX XXXX for - {$1.00} XX/XX/XXXX - XXXX XXXX for - {$1.00} XX/XX/XXXX - XXXX Debit for - {$1.00} XX/XX/XXXX - Deposited {$5000.00} XX/XX/XXXX - Opened Account
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I had a late payment in XX/XX/XXXX & XX/XX/XXXX. 

When I realized it, I called and paid both XXXX on XX/XX/XXXX ( very late ) & XXXX XX/XX/XXXX ( late ) over the phone. I had NEVER late before this. 

XXXX/MyLoanCare made a mistake and entered both payments for XXXX, so I have been delinquent for XX/XX/XXXX for 1 year according to their records. 

I have made 20+ calls during this period, only to be on hold for 15-45 minutes and then accidently disconnected. I have spoke to multiple people including upper management, only to be told ... .we understand the problem, it was our error and we will " open a review '' on your account. 

NO ONE has ever returned my call. 

I continue to be delinquent in their eyes, but I AM NOT and never was. I was LATE ... ..during Covid. I am a 1099 employee and thought I would have issues, but by the grace of GOD I was able to continue to pay my mortgage, and yes I was late. 

It has been 1 year with this going on and I am totally worn out. 

I couldn't get anyone to result the issue, they were all working from home, I could hear the dog barking, the kids crying and I was on hold for many, many hours. My time is valuable too. 

I am at my breaking point. 

I finally decided to set up autopay for XX/XX/XXXX so I would NEVER be late again, even if I died. 

Their system allow me to set up the autopay, but rejected it, without my knowledge, I am a single mom, working my XXXX off and I don't have the time to be on hold for endless hours with a company that clearly has no customer service pers. onal, that has any clue what it going on with my account. 

I went into my bank account and notice XXXX XXXX payment wasn't taken out, so I went on my online account and it said " delinquent '' OMG ... .what????? My XX/XX/XXXX wasn't auto paid and I was never notified ... ... now it's XX/XX/XXXX. So ... ..not only am I behind from XX/XX/XXXX, I am now behind for XX/XX/XXXX and XX/XX/XXXX. 

I called on XX/XX/XXXX to make my payment for XX/XX/XXXX ( per the instructions from agent # XXXX ) she wouldn't give me the spelling of her name, they took my payment and I begged them to enter it for XX/XX/XXXX and they said ok, they told me to call back in a few days, once the money was out of my account to pay XX/XX/XXXX. Once the money was out of my account, I called to make my XX/XX/XXXX payment. They system said I was behind for 2 months and that XX/XX/XXXX was still outstanding. ERRRRRRRRRRRRR This just can't be happening. How can this company be so bad???????? 

I am a XXXX and while I don't pretend to be a mortgage lender, I know enough, to know this isn't right, I have never had to deal with this kind of incompetence in my life. 

PLEASE help me, before XXXX - Myloancare ruins my credit and my life. 

Sorry for typo 's, it's late and I am exhausted.

PS... .because they " think '' I am late, my escrow is short and I owe more money.

You can't make this stuff up... .it 's just unbelievable.
Consumer complaint received 2024-08-29
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-08-29
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. (DE)

I pulled a recent copy of my consumer reports and realized inaccurate information was furnished. This information is causing a negative impact and should be removed immediately according to the Fair Credit Reporting Act ( " FCRA '' ). The following accounts should be removed and blocked from my reports : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX Open Date : XXXX XXXX, XXXX According to The Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with federal credit reporting and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : XXXX. 15 USC 1681 ( a ) ( 4 ) - as a consumer, I have the right to privacy, the information furnished by your company infringes upon that right. 

XXXX. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization. 

XXXX. 15 U.S.C 1681b ( a ) ( 2 ) - permissible purpose is required for furnishing a report, I did not provide your agency any permissible purpose. 

XXXX. 15 U.S.C 1681 ( a ) ( 3 ) - it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumers right to privacy. 

In light of the law 's clear violations, your agency must take the following action : XXXX remove the inaccurate information from my consumer report. 
XXXX. Provide documents proving an investigation was conducted. 
XXXX. Provide a confirmation letter stating the information has been removed. 
XXXX. Rectify my credit report to ensure it no longer includes inaccurate information. Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in 60 days 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. 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! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (AL)

Under 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) which covers the treatment of inaccurate or unverifiable information in a consumer 's file. It states that if a consumer reporting agency ( CRA ) finds that information in a consumer 's file is inaccurate, incomplete, or unverifiable after a reinvestigation, the CRA must either remove the information or modify it. I am requesting that they send me the original contract with both signatures they have 30 days to prove that I owe them.
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. 

As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-08-29
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. (MO)

On XX/XX/XXXX 2024 Equifax removed over XXXX accounts from my credit report including the mortgage for the house I live in, and every single XXXX of my credit cards. After requesting my credit report I noticed that they were now reporting my name as " XXXX XXXX XXXX XXXX '' when every single piece of identification I have, including my social security card, my passport, and my driver 's license has my correct name of " XXXX XXXX XXXX XXXX ''. When I filed XXXX different disputes with the company Equifax, and provided all the above reference identification, they failed to rectify the situation. I was also never able to get XXXX of their agents on the phone because I could not get through their automated answering system because they did not have the correct information to verify me, and I there was no option to talk to a live person. In fact, on my second dispute, after providing all the above identification, their report said they were deleting the correct name I provided and changing it to the false name that they had been reporting since the unexplained change on XX/XX/XXXX. This was completely opposite of what I requested on their form. So after XXXX disputes and the inability to get anyone on the phone I am making this complain as their errors have cause my reported credit score to drop over XXXX points just when I was attempting to make a large purchase that required the running of my credit.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have reached out to Capital One to have the {$39.00} membership fee since my card has been restricted for well over 2 years to only be advised that they are unable to remove the fee. The card company is a rip off how can you continually charge a membership fee yearly but yet the customer card is restricted and unable to be used. I want all my membership fees refunded or the card unrestricted immediately or I will reach out to my attorney to file a class action lawsuit.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to formally express my dissatisfaction with the handling of a recent dispute I filed regarding a damaged product I received. 

After receiving the damaged item, I promptly contacted the merchant who I believed had sold the product to me. Despite multiple attempts to reach out to them, I did not receive any response from seller. 

Given the lack of resolution from the merchant, I escalated the issue by creating a dispute with Capital One. I followed the instructions provided and uploaded all the required documents, including proof of communication with the supposed seller. Despite providing all necessary information, my claim was refused.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-08-20
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. (AZ)

Subject : Remove of Fraudulent Account from XXXX XXXX Dear TransUnion, I am writing to formally dispute a fraudulent account that has been reported on my credit report by XXXX XXXX. The account in question is a credit card that was opened on XX/XX/year>. This account was opened without my knowledge or authorization, and I am requesting that it be removed from my credit report immediately. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and under 15 U.S.C. 6802, I request that TransUnion take the necessary steps to investigate this matter and remove the fraudulent account from my credit report. Please find attached a copy of my identification and any other documentation that may assist you in verifying this claim. 

This matter is urgent, as this fraudulent account is negatively impacting my credit score and financial well-being. I would appreciate your prompt attention to this matter. Please confirm in writing that this account has been removed from my credit report.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

a credit card opened for {$600.00} USD with capital one credit card was opened, never been paid, became over due with interest fee 's compounding. it eventually went into collection. I tried to dispute this charge and when I call the company they do not have this account on file. I am certain this is fraudulent activity. total fee 's are at {$780.00} USD.
Consumer complaint received 2024-07-25
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. (AZ)

On XX/XX/XXXX I received an email from XXXX XXXX XXXX informing me that my credit score went down XXXX points. I pulled up the credit report details, and the details indicated that an open installment account for an education loan through XXXXDept of Ed with a balance of {$82000.00} was open in my account. I never opened this account or took out this loan. I contacted XXXX and they could find no record of me in their system at all, not with my social security number, my name, or my phone number. According to XXXX, I didn't have a loan. This account only showed up on my Experian credit report. I checked my XXXX and XXXX credit reports on annualcreditreport.com, but the education loan was not showing up on those reports, only Experian. I contacted Experian on XX/XX/XXXX and filed a dispute. They opened an investigation, and I should receive information in the mail regarding the outcome of that investigation within 30 days. To be clear, I did not open an account or take out an education loan with XXXX or any other agency. My Experian credit report indicated that the education loan was opened on XX/XX/XXXX and that the last payment was made on XX/XX/XXXX in the amount of {$2.00}, yet I have had no communication with XXXX and the account has never showed up on my credit report until this month. The representative from Experian that I spoke with recommended that I file a complaint on ftc.gov, which is what I am doing now.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (OK)

I called the ok.tax.gov and wanted to ask them to send {$13.00} by routing & account number. But no one will Help me. I called and spoke to 3 different people and waited about 1 hour and 20 minutes. Then the last person said she was getting the supv. but instead put me through to a message machine so I left a my name & number and asked her to call me back.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

There was fraud made from Paypals that was linked from my banking acct. My bank has investigated the issue and XXXX XXXX  ( my bank ) credited the moneys lost back to me. Paypals investigated the issue and Paypal still says I have a balance and I tried to resolve this and explain that this was due to fraud. Paypal sent the debt to collections.
Consumer complaint received 2024-08-28
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. (MD)

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation! 
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.