davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-14
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2017-03-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (AZ)

I had XXXX auto loan with Ally Financial that originated in XX/XX/XXXX. I made my payments on time every month. I filed Chapter XXXX bankruptcy XX/XX/XXXX, and payments were being made to Ally Financial through my bankruptcy plan. I surrendered the vehicle to Ally Financial XXXX to remove that debt from my bankruptcy and so I could purchase another vehicle with a different financial institution. Now, Ally Financial is reporting XXXX on my credit report when I only had XXXX loan with them. Also, on those XXXX reports from Ally Financial, are also showing delinquencies that never happened.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (TX)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

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 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
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I made a payment of {$35000.00} out of my business checking account that unfortunately I did not enough funds in. I had enough funds in a different checking account, but had forgotten to transfer the funds to the other account. 

The funds were returned on XX/XX/XXXX. I realized the issue on XX/XX/XXXX and immediately paid the amount again. On XX/XX/XXXX, my due date, I paid the remaining {$8700.00} to fully pay off the statement. 

My payments were due by XX/XX/XXXX. I paid off the statement in full by XX/XX/XXXX. The entire statement was paid off in full before the due date. No balance was carried forward. 

On XX/XX/XXXX, though I did not realize it at the time, I received a notice saying that the account was closed. It was posted in the online portal and was not emailed to me directly ( though a notification about the document being in the portal was ). For a few days I tried to make critical payments for my business, but all were declined. I assumed that the issue was because of the return, and they just wanted to make sure that my XX/XX/XXXX payment would not be returned. 

On XX/XX/XXXX, however, I was informed that the account was closed. The reason given was that this was my 5th ACH return since I opened the account ( ~4 years ). A few of these occurred in the past because I would pay off my balance early and Capital One 's Autopay would still pull out the full balance on the due date. The other few of these are because I didn't transfer the funds, like on XX/XX/XXXX. Never was it due to fraud or not having sufficient funds ( though the specific account the funds were pulled from itself did not have sufficient funds ). 

What I am most concerned about is the thousands of dollars worth of points that I had sitting in the account. The reason I use this card for my business is their promise of 2 % cash back. I believe I had about {$2000.00} worth of points at the time of the account and would be owed about another {$2000.00} worth of points for my transactions for the current statement period. I have another payment due for ~ {$58000.00} due on the XXXX which I will be making in full. I am worried that Capital One has found a loophole that they can take these points from me. They are even offering my the ability to open a new account with a new credit card, which does not make sense to me if they're so worried that they closed my account. 

Any help would be massively appreciated.
Consumer complaint received 2023-06-14
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. (NC)

Hi, this is my XXXX attempt at resolving this issue. I mailed in a letter to dispute some fraudulent inquiries on my credit report. XXXX XXXX ( XX/XX/2022 ). XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX finance ( XX/XX/2022 ). XXXX auto ( XX/XX/2022 ). All these inquiries were made without my consent by a unknown person or business. Please Remove.
Consumer complaint received 2017-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (MI)

This company is attempting to collect a debt for a college I have never attended. I have made several attempts to have this company provide a signed copy of an agreement with my signature on it. The only thing they have provided is a ledger that has my name on it and a balance due. I have never attended this college or done any type of business with this college. This debt company has caused me significant monetary damage as it is affecting my credit. This is bullying by a debt collector attempting to collect a debt from the wrong person.
Consumer complaint received 2023-05-02
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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 2023-06-14
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. (CA)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I attended XXXX XXXX XXXX XXXX in XX/XX/2019 for 3 days. On day 3 the school asked me to leave because I had a open court case and they were afraid that I might miss training time if I needed to appear in court, even after I advised them that my case was going to be dismissed, and I would never have to physically appear in court. After I left their school AT THEIR REQUEST, they placed a collection account on my credit report with XXXX XXXX XXXX XXXX in the amount of {$270.00}. The contract which I signed stated I would work for them for a specified number of months once I obtained my Commercial Drivers License, and if I left the company before that timeframe, I would owe them for the cost of my CDL training. However, I never made it far enough to begin training for my CDL with them, so this is a violation of the contract I signed.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-02-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA bank is not allowing consumers to leverage the online payment tool in order to accumulate additional interest payments. I have been unsuccessful in submitting online payments on our prior to my due date. When this had happened I called to attempt to pay online and was told the check by phone fee could not be waived. I expressed I was unable to make the payment online but was still declined the fee waiver. Once the payment was delinquent a collector called indicating she would waive the fee and they wo n't do it when you are current. I told the agent it made no sense and that I would make the payment online. The agent stated a lot of people ca n't pay online. I recently tried to make a payment on my due date and 5 days after to no avail. However now that the payment is almost two weeks late I can play using the BBVA online payment option. I feel this is done purposely for those of us with simple interest loans. Please help me and others that are having this experience.
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX Credit Card is harassing me with collect agency me while I have called them 8 times since XX/XX/2017 to solve my problem because my full payment was n't posted on their end. XXXX store card has transition from XXXX to Capital One bank so they misplace my XXXX statement of XXXX and change. I ca n't retrieve because I had paperless statement with XXXX. However, I knew I had a payment of XXXX and change so I paid XXXX cash at the store and I have the receipt. XX/XX/2017, I have receipt a statement from Capital One that XXXX Credit balance XXXX including late fee and interest charges. I really got frustrated and gave a call to XXXX spoken to XXXX on the XXXX and told me he will put a claim investigation and see if the store can help me with it too. So I went to the store XXXX in XXXX XXXX that is where I made the payment. The manager XXXX on XX/XX/2017 was kind enough to call cs at Capital One credit service of XXXX and have told them about my situation that I have the receipt of the payment. Spoken to Customer Service of XXXX name XXXX she said it may take up 30 days and investigate it I said sure. The store send them the information. I even send out with the previous statement that was due on XX/XX/2017 to Capital One Retail Services, XXXX. XXXX XXXX. 30 days has past I keep calling XXXX all they telling me about it is collect dept etc. Also, in their system they have received the documents but it has gotten lost. It gets me more frustrated cause nobody can help. Seems like they do not know what they are doing, but blame others for there mistake. I spoken to XXXX she gave me a fax number XXXX to fax over to the investigation. I kept on faxing the papers but it constantly busy. I called on the XX/XX/2017 I spoken XXXX she made another claim and gave me another fax XXXX but it is constantly busy. I am tired of this and two I had a credit score of XXXX now it XXXX I am even more frustrated I am done with them I want to get this cleared out and my score back to normal. Plus I went to Capital One Back directly too and they said they do not deal with Retail Stores.
Consumer complaint received 2022-10-28
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. (MO)

For the past 5 months, Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Reporting Agencies look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but to file the lawsuyit that we have been preparing against the Credit Bureaus. 
XXXX XXXX XXXX XXXX : {$430.00} How many times do I have to point out that this account 's payment history is inaccurate and deceptive? I have been contesting for the removal of the late payments from this Account 's payment history in order to repair this account, but you have done nothing. Please entirely remove the past-due payments from this account. 

XXXX XXXX  XXXX Balance Owed : {$0.00} You continue to list this account as being past due despite the fact that it has been closed and has no balance. Credit Reporting must be accurate in accordance with the Fair Credit Reporting Act. How can you incur late fees on a closed account with a {$0.00} balance? I need you to entirely remove this account from my credit report or to remove the account 's history of late payments. 

XXXX XXXX XXXX XXXX : {$160.00} I can't possibly be late with this account report 's dates. I've been maintaining a separate record of payments, and their information differs from mine. Credit Reporting must be accurate in accordance with the FCRA. I ask that you either totally delete this account from my credit report or erase the late payments from the account 's payment history. 

XXXX XXXX XXXX XXXX : {$2600.00} Accounts with chargeoffs must indicate a zero balance! Since there is no question that this account is a charge-off, how could you record it with a balance of {$2600.00} if it is a charge-off? I've been asking you to clear the balance and update the account 's payment history, but you've remained silent. I'm asking that you immediately delete this account from my credit history.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One XXXX Credit Card which I opened around XXXX. I have a {$450.00} limit which a submitted a {$200.00} deposit to get that amount. It is used similar as a pre-paid card, I put money on it and make purchases with it. As the balance runs low I reload it from my XXXX XXXX Checking Account. I have always used the same checking account to add money to the Credit Card and make multiple deposits throughout the month. 

I never had any issues until about XX/XX/XXXX. I made a {$350.00} deposit into the card to pay for a rental car and fuel for an upcoming trip. After XXXX days the {$350.00} was not placed into my available funds, however I did received an email from Capitol One that they received the deposit. I spoke with a XXXX with Capitol One and was told they placed a 26 day hold on the money and there was nothing they could do. I was never notified of any type of hold and I was told that they sometimes place holds on funds. This had never happened prevousily. 

On XX/XX/XXXX I made a {$200.00} payment into my account and on XX/XX/XXXX I made a {$150.00} payment to my Capitol One Credit Card. After XXXX days I received emails from Capitol One stating they received my deposits, however again It was not credited to my account for me to use. I contacted a XXXX XXXX, and was told that they placed 26 day holds on both amounts and I wouldn't receive the use of my money until XX/XX/XXXX. I was told again they have no control on holds being placed. Once again I was never contacted that they were placing holds on my account. No reason was ever given for these holds, Since I have made multiple deposits every month for years, no payments were ever missed, I have a credit card which if I want to use will have to place additional funds into up to the maximum of {$100.00}, since my limit is {$450.00} and they have {$350.00} on hold. I ask XXXX what if they place a hold on another deposit and she told me I could go to XXXX of their ATMs or XXXX and place a deposit. 

I am stunned as a XXXX Veteran at their actions.
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (AR)

Caine & Weiner is reporting a debt in the amount of {$210.00} on my credit report. I do not know anything about this debt. The debt was assigned XX/XX/XXXX and has been refreshed to XX/XX/XXXX. Per the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: NAVY FEDERAL CREDIT UNION (TX)

NFCU has been reporting erroneous credit lines on my credit report for months now, by reporting the same derogatory information on multiple lines. I have contacted NFCU several times about this asking them to remove the erroneous information from reporting numerous times, hurting my credit score. They continuously tell me that they can not do that, that I need to contact the credit bureaus, however, I tell them that they are the ones reporting this information monthly. They refuse and they continue to report this information monthly.