davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 XXXX
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In May of 2023 my account had strady deposits from my paycheck ( Bi-weekly ) and XXXX XXXXXXXX depositing money in my account monthly. Bu the ens of XX/XX/ my bank statements reflected that my account was overdrawn by {$190.00}. In XXXX the company I worked for experienced a dilemma with Pay roll and had to givw us checks instead of the normal Bi-weekly Payroll. This caused me to leave my account overdrawn because I had to quickly pay bills because I usually pay threw my account. In XXXX my company Payroll was fixed and when I tried to have my direct deposit resumed, I was told my account was closed due to being overdrawn by {$97.00}. {$130.00} deposits into my account monthly so I had no worries to deposit any money onto my account. I feel like the reason for my account being closed was not my fault and I would like to continue to have my account due to no fault from myself but due to the payroll issues with my job. I currently still employed and would like to continue to have my direct deposits sent to Capital One because they are a great bank.
Consumer complaint received 2023-10-13
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. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX. XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX FIN Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2024-08-13
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2023-10-13
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. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights.

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late.

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system.

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter.

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue.
Consumer complaint received 2024-09-12
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)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX
Consumer complaint received 2023-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (FL)

This is the entire email exchange : XX/XX/2023 Dear XXXX, Thank you for your recent application for credit services from CashNetUSA and a loan from XXXX XXXX XXXX XXXXXXXX You applied through one of our marketing partners who referred your application to us. Your request was carefully considered, and we regret that we are unable to approve your request. 

Reasons for Denial of Credit Your recent application with CashNetUSA was not able to be processed due to the following reason ( XXXX ) : Applicant is ineligible to apply due to previous applications/ loans with CashNetUSA If you have any questions regarding this letter, you should contact CashNetUSA, or XXXX XXXX, care of CashNetUSA, at : CashNetUSA Customer Support XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX www.CashNetUSA.com My response : I never applied for anything with you or cashnetusa. I will be reporting this fraud to the FBI fraud division. 




Thank you for your most gracious attention in this matter, XXXX Kat Their reply : Dear XXXX, Thank you for contacting CashNetUSA to report a claim of identity theft/fraud. Please be advised that before we can process your claim, you must file a police report with your local authority. Please ask your local authority to include the XXXX  XXXX XXXX XXXX. bank account information that is listed on the application in the summary of the police report. If you do not have the bank account information please contact our Identity Theft Department at ( XXXX ) XXXX. 

Please note that if we do not receive a police report within the next XXXXeven ( 7 ) days, normal collections activity may begin on your account if a loan has been issued. 

Please fax a copy of the police report to ( XXXX ) XXXX, Attention : Identity Theft Department or email us at XXXX. Once we have verified the report, we will process your claim within XXXX ( XXXX ) business days. 

If you have any questions or concerns, our fraud team is available XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX to help answer all your questions via phone or email. 

CashNetUSA Identity Theft Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX www.CashNetUSA.com Address : CashNetUSA XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (FL)

I wanted to speak with someone regarding my balance as it was XXXX more than what I calculated. It seems it went up when they moved my loan over to the new EdFinancial. Also, a year or XXXX ago I asked when was my payoff year and they told me XXXX and now it is showing XXXX even with me making monthly payments during the pandemic when there was no interest accruing. I tried to call a couple of times and they didn't call me back. I also emailed them and they have yet to respond. I feel I'm getting ripped off here.
Consumer complaint received 2023-10-13
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (FL)

On Thursday, XX/XX/XXXX, I noticed a hard inquiry in my XXXX. I called XXXX and explain to them that I did not do any transactions at XXXX. They made a note on their end and asked me to call XXXX. I spoke to the XXXX. Customer service rep and he denied the application after I explain to him that it was fraud, they will send me a letter and also send a letter to XXXX. 

On the same day I had fraud done on my XXXX XXXX credit card, and my XXXX XXXX credit card. They both were done in Pennsylvania. I also called my credit card companies and made them aware.
Consumer complaint received 2018-10-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (IL)

On or about XX/XX/2018 I received a billing invoice from XXXX XXXX in the amount of {$280.00}. I am XXXX and unable to pay the entire amount. On XX/XX/2018 I sent a payment on account of {$20.00}. They accepted the payment, the check cleared my bank on XX/XX/2018. 

Beginning on XX/XX/2018 and continuing through today, XX/XX/2018, I have received 80 calls on my cellphone from the debt collector. They have called as many as 18 times in the space of two minutes. They leave no messages, they just continue to call. 

I've done my research on XXXX XXXX. They have a reputation for harassment, verbal abuse, and unreasonable payment demands. I have nothing and I have no income. I intend to pay the amount owed but I will not be threatened, harassed, or bullied.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX of XXXX  Capital One credit card company requested my date of birth for the account. I provided the information three times, before their stated deadline. I received a call that the info was finally received by them on XX/XX/XXXX, before the deadline of XX/XX/XXXX. They closed the account anyway without notification to me. We have requested that the account be reopened. Every time I call to find out the status of reopening the account we are told it's still being worked on. I have been given a case number and contact person, but have no way to actually get back in touch with the contact person. I just called for another update and was told that the account still does not have my date of birth on record. Today is XX/XX/2023.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

On my XXXX, Equifax, and XXXX Credit score does not goes up, when new accounts added to credit report. Also, XXXX XXXX  account was removed from my XXXX and Equifax credit report without my knowledge. I'm requesting for thee XXXX to be added back to my XXXX, and Equifax credit report.
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Auto Loan with Bank of America was paid off on XX/XX/2023. On XX/XX/XXXX, we contacted B of A representative XXXX per telephone at XXXX. We were told that BofA will release the lien within 8 days and we should receive our pink slip within 3 weeks. Nothing happened, so we contacted XXXX again the middle of XXXX- she said she would check on it. On XX/XX/XXXX, we received a letter from XXXX XXXX at Bof A that said they had contacted the CA DMV to confirm our title work and that we should receive our title within 60 DAYS. Her telephone number is XXXX. On XX/XX/XXXX, we contacted XXXX at XXXX and she stated that they still had not received the lien release/title from the CA DMV, and said they would submit another request to the DMV. On XX/XX/XXXX, we contacted XXXX XXXX again and she stated that they had not received the electronic title yet and that she would reach out to the CA DMV as well as the dealer we purchased the vehicle from and would call us back on XX/XX/XXXX. 
Today, XX/XX/XXXX, we received a call back from XXXX and she found out that the DMV had issued what BofA needed on XX/XX/XXXX! However, she had no explanation as to whether our title was lost in their system or what had happened to it. Her " solution '' was to request another lien release and send it to US and that we would go to the DMV and request ( and pay for ) a duplicate pink slip. Their loan has been paid off for 4 months now, and we still do not have clear title to our car.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance : {$750.00}
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I noticed my bank account negative XXXX dollars I went to the bank and asked why and they said there was a XXXX dollar 3rd party check cashed on XX/XX/XXXX. I told the bank I did not cash any check and I made a police report the bank is saying that the signature looks like mine when it Cleary does not look like my signature. Wells Fargo is declining to pay me back my money