davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 XXXX 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 XXXX
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (WA)

I received a letter from afni, Inc., Subrogation Department stating that I owed money, apparently from an car accident I never had. I wrote a letter to them stating that I did not owe the money and asked for validation of the debt. I have received several letter and sent several letter by certified mail. They do not respond except to send more of their computer generated collection letters. They are obviously bad apples and should be punished. I have attached all the correspondence. XXXX XXXX XXXX
Consumer complaint received 2017-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

COINBASE IS COMMITTING A MASSIVE FRAUD and THEFT Coinbase.com is withholding hundreds of millions of dollars worth of Bitcoin Cash ( BCC ) from their customers after Bitcoin underwent a hard fork on XX/XX/2017. They claim that they are simply not interacting with the chain, but that is not logical.
This is hundreds of millions of dollars we are talking about, possibly even into the billions. Unfortunately like many of the businesses in silicon valley their level of ethics and integrity are questionable at best, illegal at worst.
According to the company : https : //twitter.com/coinbase/status/XXXX We need the someone to step in and investigate what exactly is happening. Without committing my own overtly illegal action or spending a large amount of money to litigate, we, the public, are left at their mercy. It should be noted that other Bitcoin exchanges have credited their clients holding Bitcoin with their RIGHTFUL Bitcoin Cash.
COINBASE IS COMMITTING A MASSIVE FRAUD and THEFT Regardless of the fact that these " crypocurrencies '' are possibly the next great Tulip Bubble in the making, people are being wronged and someone needs to step in. The best analogy would be a stock spinoff. Imagine if XXXX XXXX decided not to interact with a stock spinoff -- that would be a crime ; there is nothing different occurring here.
Consumer complaint received 2017-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

I was in short sale review and my home went to foreclosure sale on XXXX/XXXX/17. What I do not understand is why the sale date was still active when I was in review and why I would receive a missing items letter requesting items due back by XXXX/XXXX/17 and the sale was STILL held even after I was advised that the sale would be postponed for the review and counter offer. This issue has been escalated and attempts to reach XXXX XXXX and her supervisor XXXX XXXX have been to no avail.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

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. 

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 2017-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NJ)

I have had a Lowe 's credit card since XX/XX/XXXX. It was taken over by Synchrony Bank within the past 2 years. The bill comes due on the XXXX of the month. I have paid my bill, usually on time or within 7 days. since I opened the account, Within the past few months, XXXX, XXXX and XX/XX/XXXX I paid the bill within 7 to 15 days. XXXX was on time XXXX was 6 days late. In the middle of XXXX, I was injured in a serious accident and was incapacitated for over 6 weeks. During the time I have had the card, the bank has raised my credit availability several times without my asking.
On XX/XX/XXXX I got a letter from the bank saying they were reducing my credit availability from over 4500 to XXXX. Due to several reasons which are questionable to say the least. # maximum consecutive months with a balance increase 6 months, # Used too much of my credit limit within 6 months ( {$1000.00} I think ) # % of time payment was greater or equal to the Balance ( I was never aware the balance needed to be paid off in full every year ) and # low ratio of payments vs amount due. ( I pay more than the minimum amount owed every month.
The real problem is the amount they reduced my credit line to, is an amount which is {$7.00} dollars less than all the fees they are charging, which created an over limit on the account, ( when I was never anywhere near the limit to begin with ) which I am being penalized for, which they are increasing the APR rate by over 10 % which I believe is a predatory action on their part.
I could care less about the limit reduction. What I am upset about is they are using their action in an arbitrary, capricious reasons to destroy my credit when I really did nothing wrong. I paid more than the minimums they asked for. If they needed a larger payment they should have stated so. I am not a mind reader. I want the the credit to be increased to {$3100.00}, to cover the {$7.00} they charged which created the over-limit and I want the derogatory information from this incident removed from my credit report, and all fees made by over limit returned to me, and the APR set back to where it was when the account was issued, Thank you.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (TX)

I received a debt collection letter from   XXXX   XXXX   XXXX    XXXX   XXXX   on behalf of Barclays Bank Delaware. The amount is {$3100.00} and their account #  XXXX . They also filed a lawsuit against me ( case #  XXXX  ) I called the Law Firm and I spoke in the to   XXXX   XXXX   I informed her that I 've never done business with this bank. I was asked for my last 4 digits of my SSN.   XXXX   XXXX   XXXX   told me that that my SSN in the account does n't match the last four of my SSN.
At that point I tough that the it was the end of it but that did n't happen. They keep sending letter and sending collector to my house.
I need this to stop.
I sent them copy of the   XXXX   major credit reporting agencies with (  XXXX ,   XXXX   XXXX  ,  XXXX  ) that shows that I have no outstanding, late payment or collection in my credit report. I sent a copy of my  XXXX , A copy of my military service connect   XXXX    payment so they can corroborated the last 4 of my SSN.
I also told them that to perform my duties at my job I needed a security clearance and my last SC was Finnish in  XXXX /2016 flying colors. All this info and they still coming after me for something I do n't owe.
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

On 06/2016 PNC MORTGAGE informed us that they purchased our loan from   XXXX   XXXX   XXXX   They sent a letter stating the will be receiving our payments and nothing else about the loan will change. During this transfer our ins was due and we assumed the escrow in our accountwould handle this. However, the ins notified the mortgage co for remittance of payment. They, informed us that there was no response. We assumed that the ins was being paid from our escrow like always. It was n't paid and PNC did not inform us of this until this  XXXX . THey want to charge us {$1900.00} for ins for that time period. I do n't mind paying some ins. But 3 times the amount is horrible. THey purchased the loan. We had nothing to do with that. I feel they should have informed us that the ins expired and they should have paid it from the escrow. IAm   XXXX   years old and can'tafford this. I agree to pay something, but not thus amount. THankyou for your help in this matter   XXXX   XXXX   XXXX
Consumer complaint received 2017-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I provided business coaching services to XXXX XXXX in which this customer paid me via PayPal {$140.00} for 2 1 hour sessions of coaching. The first hour was completed. The second had a scheduling conflict due to a death in the family in which I asked my client to rescheduled sent him my calendar to do so. He never responded. On XX/XX/XXXX we had an email conversation about getting him help with a merchant account but not once did he mention rescheduling his session nor a refund. On XX/XX/XXXX he disputed the entire {$140.00} with PayPal claiming that he never received my services and I never responded to any of his messages. PayPal gave me 10 days to respond in which I responded on XX/XX/XXXX both to PayPal and to the customer. The transcript which is also in the notes of the PAypal transaction as recorded by PayPal are attached. On XX/XX/XXXX, PayPal sent me an email claiming that I never responded ( even though they show the notes where I did ) to the claim and that they would rule in the customers favor, deducting {$140.00} from my PayPal account. I later found out that this company XXXX XXXX is a fraudulent company posing as a Credit Repair business and is known for scamming people out of their money. I am distraught that PayPal would stand behind them vs me a loyal merchant who brings in thousands of dollars in customer transactions per month.
Consumer complaint received 2017-08-02
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 (NV)

Following a fraud investigation, my account was restored to a good standing. Received new cards in the mail ; however, the account was closed already. CapitalOne advised that the account was closed due to my request. I did not request this closure, I have NOT received the credit balance of over {$1300.00}, AND I wanted this account ( assuming the account number had been changed ) to remain open and active as I had discussed with the company representative on XX/XX/XXXX However, the closure of this account now places me any my family in an very disstressful situation that causes undue stress to continue to victimize the victims that have already spent the last year trying to overcome.
Consumer complaint received 2020-03-17
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. (AR)

Its been several months now I have been in consistent contact with Equifax consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Equifax. Equifax has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Equifax has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a  consumer my rights have an continued to be violated and Equifax should be held accountability. Equifax has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Equifax is liable.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, 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. (AZ)

For the last few months XXXX, XXXX  an Experian have laced my credit report with false entries of more than 40 hard inquiries and refuse to remove them. They are obviously misreported inquiries from businesses I have never applied to. Remove all except one XXXX for my car. 
Now I am a victim of poor credit because of this problem fraud by credit bureaus. 
XXXX, XXXX  and Experian refuse to raise my score. They give the lowest credit scores and this is fraud. Raise my score. 
XXXX  refuses to remove XXXX XXXX XXXX XXXX for this is a fraudulent loan. It is not mine. Remove at once.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have disputed XXXX XXXX account several times in the last two months. Comes back verified and FCRA meets requirements. The last payment dates differ from all bureaus along with account number. At this point it violates my rights and I request for this account to be permanent deleted off my report.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

For the last few months Transunion, XXXX  an XXXX  have laced my credit report with false entries of more than 40 hard inquiries and refuse to remove them. They are obviously misreported inquiries from businesses I have never applied to. Remove all except one XXXX for my car. 
Now I am a victim of poor credit because of this problem fraud by credit bureaus. 
Transunion, XXXX  and XXXX  refuse to raise my score. They give the lowest credit scores and this is fraud. Raise my score. 
Transunion refuses to remove XXXX XXXX XXXX XXXX for this is a fraudulent loan. It is not mine. Remove at once.
Consumer complaint received 2020-03-16
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. (FL)

contacted credit reporting agency about incorrect information on file and they reply that information is correct without providing me any details as to how the came to that conclusion. 

I've ask for a proper investigation but they are refusing to provide their verification method
Consumer complaint received 2020-03-16
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. (FL)

contacted credit reporting agency about incorrect information on file and they reply that information is correct without providing me any details as to how the came to that conclusion. 

I've ask for a proper investigation but they are refusing to provide their verification method
Consumer complaint received 2020-03-16
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. (FL)

contacted credit reporting agency about incorrect information on file and they reply that information is correct without providing me any details as to how the came to that conclusion. 

I've ask for a proper investigation but they are refusing to provide their verification method
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN HONDA FINANCE CORP (FL)

Calling numerous family members to get my number which is blocked. Calling in a state of emergency. This has to stop if they are doing this now. Wait for to people is dying and call. I work in DC. This is crazy!!
Consumer complaint received 2024-10-23
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: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-08-14
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)

I'm reaching out with serious concerns about issues I've been experiencing with the credit bureau. I've identified false account listings, inaccurate credit reports, inconsistent billing, and even accounts that don't belong to me. These problems are compromising my financial security, and I need assistance in resolving them.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Sent me advertising when I am on the option out of credit card prescreening on this website XXXX XXXX XXXX XXXX setup by federal government laws and enforcement done by cfpd according to the federal tade commission. Please fine these people. It 's against set laws to mail me advertising after I am on this lifetime list. Which is pulled from the five credit bureaus. Such as XXXX, XXXX, XXXX XXXX, etc.
Consumer complaint received 2017-11-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I understand federal law states that financial institutions are mandated to apply the money toward the mortgage balance the day the money is received. 

Facts : I have a mortgage with Wells Fargo. Every other Friday XXXX of my mortgage payment is drafted from my Wells Fargo checking account ( there is no waiting period for the money to transfer from any other institution ). I 've never been late or not had the money in the account when the transfers were made. 

When I refinanced I set the account up to have payments made every two weeks in an effort to help pay the loan off faster. 

Summary : The payments are drafted every other Friday but the first payment is held for 14 days, when the other half of the payment is drafted, before being applied to the mortgage account balance.
Consumer complaint received 2020-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

To Whom It May Concern : I have received a copy of my free credit report, and have tons of inquires that were done by a car-dealership in which I personally did-not authorize at all. 

I have attached a picture of my ID, and proof of address so that you the reporting CB can verify me. 

I'm asking that you reach out to the company who pulled my credit, and request proof that they have my authorization to have pulled my credit report from the following methods A ) a signed letter. 
B ) a recorded phone call. 
C ) video surveillance of me authorizing the inquires. 

While I was inside the dealership, I only AUTHORIZED XXXX XXXX, not their furnishing network to have pulled my credit. This is my written request to demand, that you look in-to this issue as soon as possible and provide me proof of how you investigated, and how you determined that I authorized the companies listed below to pull my credit. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX  Dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX No forms of credit have been established with any of the creditors above, so I ask that you investigate and remove them for my report otherwise you will be in-direct violation of FCRA statues, and limitations.