davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Credit card or prepaid 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 (RI)

I am a holder of an XXXXXXXX XXXX XXXX that is managed by Capital One. Recently, I traveled to XXXX, and to my frustration, my credit card was blocked. Despite multiple attempts to contact customer service, I have been unable to unblock the card, as they continue to request the same document repeatedly without providing any resolution. 

On XX/XX/2023, I received an email ( see Figure-1 ) from Capital One requesting that I upload my federal driver 's license to unblock my credit card. However, the email contained only broken links ( as shown in Figure -2 ), making it difficult to upload the necessary documents. Even when the links worked, I was often directed to a page ( Figure -3 ) with no clear options for uploading documents. Despite several frustrating sessions with customer service representatives from Capital One, they refused to acknowledge that the links were broken, and I was unable to provide them with a screenshot of the broken link page. 

Finally, after several unsuccessful attempts to upload the necessary document, customer service provided me with the option of physically mailing the document to a location in Utah. I sent the document as instructed and hoped that the issue would be resolved soon. However, when I contacted Capital One again, I was informed that the document I provided was blurry. I expressed my displeasure with this response and requested an email address to which I could send the same copy to prove that it was not blurry. However, they refused my request, leaving me feeling increasingly frustrated. 

Unfortunately, when I followed up with the customer service representative a week later, I was informed that the previously mailed physical document was rejected, not due to blurriness, but because it was black and white. However, I can confirm that the document I submitted via mail was a color copy of my driver 's license, and it appears that the document was converted to black and white by the Capital One system. This also proved that there is no clear process in place at Capital One for vetting the documents. 

As of now, my card has been blocked for two months, causing missed payments and significant inconvenience. I have been instructed to mail the document to Capital One again, but I have little confidence that the issue will be resolved, as it appears that they will continue to repeat the same flawed process. I am submitting this complaint to bring this matter to the attention of the relevant parties and to request a prompt resolution to this minor yet persistent problem.
Consumer complaint received 2023-03-29
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Please remove these items from my file. Here are the items that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$4000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-04-13
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. (DC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-04-05
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. (NY)

I contacted my mortgage company about late payments that I considered not late. 
I have one in XXXX, 6 in XXXX, 4 in XXXX, and 1 in XXXX all of these dates are 15 days late from the first of the month, and one or more days after the grace period which is after the 15th of the month. I am charged a grace period fee and a 30-day late payment penalty. Then I question them how can this be when it is only 15 days late. I was told that they were correct because the state law allows them to penalize the borrower for the full 30 days after the grace period. 

My question is to you all is this fair to when it stated on my credit report, this is a 30 days lateness, not 15 days. I am being cheated out of 15 days, the law is wrong. 
Who has ever known this law existed to favor the lawn company? 
Show this be changed to fit both the borrower and the lender?
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to demand the immediate removal of inaccurate and fraudulent information reported by XXXX XXXX, under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ). This information, concerning alleged late payments or account activity associated with XXXX XXXX and XXXX XXXX, is incorrect and has been placed on my credit report without my consent.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

Someone had gotten a hold to my information and purchased plenty of things with my stolen debit and Id card I then had to replace along with other things that came up missing in the aftermath. I thought this was something from XXXX  that I purchased from XXXX XXXX for XXXX and maybe they may have gotten the amount wrong but I still didnt understand why it is over XXXX Ive never purchased anything for this much but after looking further into after I been trying to figure out what is this and why is it showing up on my credit report this is an unauthorized charge I dont know where this came from and I would like them to investigate this so I can get it removed asap its putting me in serious debt and its not my debt I didnt do this I dont know what this is and have tried calling XXXX XXXX XXXX  after looking up the number online and they never answer the phone I can never speak to anymore I left messages I tried calling another number of theres that came up and I still am not able to speak to anyone
Consumer complaint received 2023-03-29
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. (CA)

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX, So I am here to notify/complain to you directly through this platform. Please correct and update these Accounts XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : -.
Consumer complaint received 2023-03-29
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$760.00} This compliant is my follow-up to ensure that the listed accounts are validated
Consumer complaint received 2024-07-17
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: Experian Information Solutions Inc. (WA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT - # XXXXXXXX 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 YOU HAVE 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
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXXXXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I am a consumer and I believe that I have been a victim of a signature fraud on a loan modification that I recently just found out about. This loan modification agreement was supposed to have been filled out by 2 borrowers in the year of XXXX. And this is where I believe that my signature was taken from a sign document that I have signed in the past. And the signature was added on a false statement to make it look legal with stamps and dates on it including a notary stamp and signature.I the consumer did not signed this loan modification that Mr.cooper claims. I have many questions, it has been said to qualify for a loan modification a borrower would have to be behind in payments. And all of my mortgage payments were current. And how can they add a second borrower to the modification loan when there was only one borrower from the beginning of the FHA loan that started in XXXX of XXXX. As a consumer I continue to see that Mr. Cooper is saying that the loan started in XXXX. That information is false and incorrect. I don't know why Mr.cooper is reporting false information about my loan. Again if I took out a FHA loan in XXXX of XXXX with country wide home loans {$62000.00}. And then XXXX XXXXXXXX XXXX ended up with the loan and I sign a 15 year term. Now Nationstar Mortgage LLC/Mr.cooper debt collector. Is now the company that I send payments to and they want to say that I now have a 30 year mortgage term. When I asked for a copy of my original contract agreement.I was told that Mr.cooper destroy documents after so many years for the protection of the consumer to prevent fraud. I also asked Mr.cooper. for an amortization schedule and Mr.cooper sent me a schedule starting XX/XX/XXXX. This document has no header or anything showing that this came from Mr.cooper. So this is why, I also feel that this mortgage company took my information and falsified documents to try and make me take a 30 year mortgage term to keep getting money. This loan has been paid double already. And I ask why would I start a loan for another 30 years when I already was told in writing that the loan would be paid in full on XX/XX/XXXX. I wish that these companies would stop stealing from the lower income people life is hard enough.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lentegrity Management, LLC (MD)

In accordance with the fair credit reporting act. The following Accounts XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, lentegrity llc, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2023-04-05
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-03-29
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXXXXXX XXXX XXXX XXXX Date Open : XX/XX/1998 Balance : {$4100.00}. Please delete.
Consumer complaint received 2023-03-29
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX XXXX Balance : {$290.00} Bankruptcy XXXX XXXXdischarged Reference number : XXXX Filed on XXXX XXXX XXXX  Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XXXX XXXX XXXX  Court : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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 (VT)

On XXXX XXXX, XXXX I cancelled a flight with XXXX XXXX through American Express XXXX. I was issued a credit in the amount of {$1300.00} and told I needed to use the credit by XXXX of XXXX. On XX/XX/XXXX I booked a round trip flight for 2 adults ( my son and daughter-in-law ) in the amount of {$1800.00} for XX/XX/XXXX- XX/XX/XXXX. I received a receipt, an itinerary and confirmation of the booked flight. On XX/XX/XXXX my son attempted to check-in only to find that the flight was cancelled. After approximately 2 hours and 4 people later I am informed that the flight was cancelled on XX/XX/XXXX. I was not notified by XXXX XXXX or American Express XXXX that the flight had been cancelled and no one seems to know why other than it wasn't " ticketed '' by someone somewhere. In summary, after 5 hours on the phone and 8 transfers later, American Express has opened an investigation to determine if they will give me a credit on my credit card in the amount of {$1300.00}. An agent is going to call me within XXXX hours regarding case # XXXX. I told them they could book another flight with another airline so my son and daughter-in-law could attend the event this weekend, however they declined. It is not acceptable that I followed all of the instructions and planned ahead only to be told " we're sorry '' or " I completely understand '' and " there will be an investigation ''. One time events such as weddings or funerals can't be recreated because the credit card company is " sorry ''.
Consumer complaint received 2023-03-29
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. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 XXXX  : {$29000.00}
Consumer complaint received 2023-11-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CO)

Every statement I have received from Navient shows that Ive been charged for unpaid interest & unpaid fees every month between {$40.00} and {$80.00}. On my XXXX statement the more than doubled to {$150.00} for no apparent reason. Ive been making the minimum payment on autopay every month so the charges should not be fees ( confirmed this with Navient on XX/XX/2024 ). I called Navient on XX/XX/XXXX  to inquire about the charges and they are unable to provide me with an answer or any information as to the reason why I continue to be charged such fees every month.