davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called to close my account and recieve a closure notice by email on a friday. I was informed they could not email me the closure notice. They told me they didnt have email access.. I asked to speak with a supervisor. And he also informed me they did not have email ... Which is wierd seeing they are a credit card company. And the 2 other cards i closed before this did it for me immediately. With no hassel. I then got a call the following tuesday saying they would send me out a email and they were sorry. Then this saturday i got a call again from them. They stated my card was not closed and they could not email this info to me because thier email wasnt working.. I asked how they responded to my XXXX   complaint through email if they could not do this for me.. They told me it was a format issue.. After i had caught them in a lie .they continued the lie telling more trying to cover up thier bad bussiness practices. 
For a bank this size not to have a email system for over a week and not close my accoumt when asked is totally unacceptable. It was clearly a lie and a manipulative ploy on thier behalf to not close my acvoumt and make it as difficult as possible for me. The person i spoke with said her name was : XXXX at phone numer XXXX XXXX XXXX ext XXXX. 
I would lile a email from them comming clean about thier lie of not having email access. And an appology for wasting my time and delaying my refi of my home. 
I would never do bussiness with this company ever again. 
Beware to future card holders. I hope this helps some one in the future.
Consumer complaint received 2018-07-28
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: Security Credit Services, LLC (OK)

I filed an credit verification request pursuant to 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ) regarding an debt that is claimed to be mine. The company responded with information that belonged to a XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX for XXXX XXXX, XXXX. It also included their banking information. The verification also included an explanation of Calculation of Surplus or Deficiency for an XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The company didn't comply with the law and my request but instead sent other people documents which is an big problem due recent identity thefts etc.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

The is a public record showing on my Equifax and XXXX  credit profile detailing past Bankruptcy- XXXX for XXXX and XXXX. They were both dismissed, nonetheless they show up on my credit report. 

This is unsolicited data and it shouldn't be data-mined and sold to reporting agencies and subsequently end up on my credit report. In the past I have asked these Credit Bureaus to remove these items from my report. I have spoken to the clerk of the court in which I have filed and they ensured me that they don't report this information to credit bureaus and the only way that it could be obtained was through data mining.
Consumer complaint received 2020-09-25
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)

I need a copy of my credit report. I have been trying to get it after I was denied credit based on the information reported on my credit. This has been an ongoing issue and still no luck. I have sent all the supporting documents as per their request but no reply from the company. Please Help!
Consumer complaint received 2018-07-28
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

on XX/XX/XXXX, my son received a beating at the hands of a bunch of XXXX kids off campus because he wandered into their territory. Hospital stay, concussion, contusions, etc eventually resulted in him having XXXX. I guess this caused him to forget that he needed to change his autopay arrangements with his student loan. So, Sallie Mae came a calling when the account debit failed. I called them proactively in the morning of XX/XX/XXXX and explained that we will be making arrangements, but not to expect a payment until Tuesday XX/XX/XXXX. Almost immediately after hanging up, I proceeded to get multiple robodials calling me about the same situation. 

I used to manage a collections application for XXXX. I know the law. They are not allowed to contact more than one time a day. That is harassment. I explained that to the rep, and she proceeded to try and correct me. I'm like I had an application for 3,000 collection reps in 8 call centers in 3 countries. Don't tell me that it isn't against the law to call multiple times.
Consumer complaint received 2018-07-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (FL)

Today is XX/XX/2018. I am requesting that Nelnet pick one day out of the month of XX/XX/2018, Where we can meet up in location in XXXX of my choice. I requesting that Nelnet bring original promissory note you claim I sign with XXXX XXXX. I will have document examination expert look at this promissory note. I will able to prove that you ( 1 ) use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) Putting false information my credit report. ( 3 ) Using Forgery ( 4 ) You are discriminate against because I am XXXX. ( 5 ) also you will be in possessing of forged note. ( 6 ) You are using false counterfeit promise note. 
If you do not pick day out of XX/XX/2018, I will assume that you trying use counterfeit promissory note to collect a debt from me. 
I will like invite someone from Consumer Financial Protection Bureau, someone from Attorney General of Florida, to come to meeting with me and Nelnet where we look over original promissory note. 
If Nelnet do not pick day in XXXX of 2018, I will assume that you do have original promissory note, you do not have proof that this is my debt, that you are trying use a counterfeit promissory note to try to collect money from me.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I have asked the credit bureaus to remove addresses that not mine my correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX I am including a bill with my correct address on it .Please DELETE the wrong addresses XXXX XXXX XXXX, XXXX XXXX Ohio XXXX, XXXX XXXX XXXX, XXXX XXXX AL, XXXX. The following jobs are not mine XXXX MO, XXXX XXXX XXXX, UH My current job is XXXX XXXX. I should have ONE variation of my name that is XXXXXXXX XXXX
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 XXXX XXXX XXXX  agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXXXXXX XXXX  Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

Collection account from Unknown with account # XXXX and a balance of {$730.00}. The original creditor is XXXX XXXX. 

XXXX with account # XXXX and a balance of {$170.00}. The original creditor is XXXX XXXX XXXX. I paid off this account but its still showing that I owe a balance. 

XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 

XXXX XXXX company with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 

XXXX XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 

Collection account from XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX accidentally overcharged my account on XX/XX/2020 by charging me XXXX $ I called them and they told me to contact my bank ( Bank of America Prepaid ) and they would be able to reverse the transaction. So I did on XX/XX/2020 after waiting on the phone for literally 2 hours they finally answered and it was a miracle they were able to resolve my issue almost instantly. My money was returned and I was so glad cause I desperately needed my money for rent and my car payment and was gon na turn the cable on for my grandkids. And suddenly my account was closed!! Completely closed without warning at all via phone nor email nor written just out of the blue CLOSED!! The money that had got returned to my account was actually supposed to get deposited into my personal account being that I have setup reaccuring transfers setup and instead they kept my money that was set to go to my personal account and now Im stuck with no money and no answers. I called Bank of America and they tell me call my sponsor which is California XXXX and I call them and my account is open with them with no warning no red flags nothing. Please help me asap
Consumer complaint received 2020-09-28
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: Experian Information Solutions Inc. (IL)

ON XX/XX/2020 EXPERIAN SAID THEY VERIFIED THE PUBLIC RECORD, IN MY CREDIT REPORT IT SAID XXXX XXXX IS THE COMPANY TO CONTACT. I WROTE XXXX XXXX AND THERE RESPONSE WAS, I HAVE NO PUBLIC RECORD
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts 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/updated. 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. 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!
Consumer complaint received 2020-09-25
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (GA)

Amex is insisting that i pay an amount to a hotel where i had my daughters ' wedding, in XXXX XXXX, though i have not authorized it. The hotel charged my Amex card without my consent and i informed them that i have not authorized it and it amounts to fraud and i will dispute it. Thereafter the hotel has not even responded to my email. 

I took up the matter with Amex and have sent in written complaints and have also spoken to a dozen reps and they are unable to resolve the issue. They disputed the amount and then later put it back on saying that they feel the charge is legitimate. The question here is how can Amex determine if the charge is legitimate or not? How can they appoint themselves a judge and determine that an amount is owed by me? Their job is simply to pay if i have authorized a charge and not pay if i have not authorized it. 

I have used various cards to pay the hotel all their charges and they do not have access to any card number of mine. They only had my Amex number with them as i gave them the card number to charge a deposit amount of {$3000.00} in order to book the hotel. After this they would send me links to pay and i paid off the entire contracted amount using those links and therefore they had no access to my card details. 

The basic question here is not whether i owe money or how much. The question is why should Amex pay any amount on my behalf without my authorization or signature? If the hotel has a charge for me then they have to take up the matter with me and can not go behind my back and charge whatever they want. If there is a dispute then it is between the hotel and me and it is not the job of Amex to try and resolve it. 

Please let me know what i should do as Amex keeps contacting me asking me to make the payment.
Consumer complaint received 2020-09-29
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. (MD)

I contacted the credit bureaus on numerous occasion in regards to erroneous items on my credit report. I tried reaching out to Experian, XXXX, and XXXX. I have yet to receive any documentation and its investigations have extended longer than the 45 days. I am now requesting these erroneous items be removed from my credit report.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

T

o Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2021-12-23
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. (MS)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC (TX)

The company DRS has flagged all 3 of my my credit reports as of XXXX XXXX stating that I just opened and defaulted on account with XXXX   XXXXIt says I opened the account on XX/XX/XXXX. This is an old account approx. 7 years ago that was paid off and the total was a lot less. I have contacted the company. any times and was told they couldnt or wouldnt correct the dates. I have disputed this approximately 5 or 6 times and they keep updating my date the account was opened every mth. They will only say the dates are correct and they will not change the errors. This has caused me great financial strain during this pandemic and lack of money. I have been unable to get a loan or new credit card because it says the defaulted account is recent.. Please help me. They also have another account for {$640.00} with a date of XX/XX/XXXX as the date the account was opened as it was just opened and I think it is the same account as above already listed just a different amount and date opened but both incorrect dates are for current dates and wrong ... that they reported to all 3 credit bureaus the account date opened and flagged as it was just opened and defaulted.
Consumer complaint received 2020-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I sent XXXX XXXX a payment of {$160.00} on XX/XX/XXXX via Venmo, which was debited from the bank I have link to Venmo, XXXX, on XX/XX/XXXX. 
I sent XXXX XXXX a payment of {$160.00} on XX/XX/XXXX via Venmo, which was debited from the bank I have link to Venmo, XXXX, on XX/XX/XXXX. On my Venmo account, I'm informed the transaction went through and the money successfully was sent to XXXX 's bank XXXX XXXX. XXXXXXXX XXXX is informing XXXX that the transfer failed. XXXX sent me proof key bank is not allowing her to accept it
Consumer complaint received 2020-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (PA)

Please see complaint # XXXX. However, the notary assigned to closure on the loan today did not show at the scheduled time, even though the closing was confirmed by both email and phone. During the confirmation via phone, she also indicated that she did not receive the necessary information from the title company, but indicated that she would keep the appointment. Please see email below : -- -- - Original message -- -- - From : XXXX XXXX Be XXXX To : XXXX Subject : Closing Date : Saturday, XX/XX/2020 XXXX XXXX I am a notary confirming our appointment today at XXXX XXXX Please call XXXX XXXX XXXX XXXX Sent from my XXXX
Consumer complaint received 2020-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

Charges were placed on my credit report stating I owed a certain amount in medical bills dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I reached out to the original provider to let them know of the inaccuracy. I have dual coverage and it seems that they were only filing it to my primary insurance only. They stated that they will refile the debt to both insurance companies. This has not been done and has since remained on my credit. I do not owe this.
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company (PA)

I have disputed this account because I know it is inaccurate. I sent a letter to Commercial Acceptance to dispute it, I sent that letter to the addresses reported to both XXXX  and XXXX, by Commercial Acceptance. They are required by the law to report 100 % factual data to the credit bureaus. Obviously, since the mail was returned to me, they have not reported 100 % factual data to a 3rd party, which would constitute a crime under American law. FIX THEIR MISTAKE RIGHT NOW!