davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my follow up in regards of the ongoing issue and I am submitting my complain and I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove the items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please help me remove the following items : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$9700.00} XXXX XXXX Balance : {$390.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00}.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I recently opened an account with Wells Fargo and learned I was a victim of identity theft. I am newly XXXX XXXX XXXX, and there were numerous accounts from years ago that I never opened. 
I left my phone and card at XXXX in XXXX and had to call Wells Fargo. I ended up not using that card because it was embarrassing to have my newly funded card decline at the store with a cart full of groceries. I called them, and they unlocked it ( XX/XX/year> at XXXX am ). Then, someone took my PIN, phone, and card and went on a shopping spree in downtown XXXX on the same day at a different XXXX ( XXXX minutes away from where I live ) with my card. I checked my banking app that night and saw the transactions. 
I filed a dispute with Wells Fargo and also tried to give them my police report, but today I got an email saying they determined no error occurred ( XX/XX/year> at XXXXXXXX XXXX ). 

Transactions : On XX/XX/year> someone used my Wells Fargo debit card to buy multiple '' Lyft Ride '' ( XXXX, XXXX ), " XXXX XXXX 's '' ( XXXX, XXXX ) and XXXX Grocieries ( XXXX )
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (VA)

I contacted MCM to be rudely told to contact the legal team who did nothing to prove the debt was mine nor properly inform me of the subponea and told me they are going to garnish my wages recently after getting my current address through the XXXX  complaint. This debt is from XXXX and they tried taking legal action years later and sent a subpoena to the wrong address causing my judgement to go into default. I spoke with a XXXX who claimed he was a supervisor who could do nothing because I put out a complaint. I was living elsewhere when they tried to send more docs to an address I didn't reside at. This can be proven via the roommate I had at the time XXXX XXXX  )
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi TransUnion, I was just on the phone with the fraud team from XXXX XXXXXX/XX/XXXXand they told me this fraud account shall be deleted from my credit report. I spoke to the manager and he said they DO NOT HAVE this account on their system because they flagged it as fraud 3 years ago. I was just informed by them that I have the right to request this fraud account for deletion as fraud and I would like to exercise that right.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

We have a Parent Student Loan for our daughter who is a XXXX  at XXXX, with EdFinancial. In XXXX thet moved to a new web platform, and when I logged in the payment history showed only a single payment in XX/XX/XXXX, despite the fact we have made monthly payments in excess of {$14000.00} since late XXXX. I have emailed the company multiple times requesting our records be updated and corrected, have three times uploaded to our account bank records proving the payments were made, and spoke on the phone with a customer service agent yesterday, XX/XX/XXXX. The agent said they could not provide a full loan history because payments before XX/XX/XXXX made on their old platform would not transfer, and that payments after XX/XX/XXXX had to be " investigated ''. She promised to email me confirmation of the correct payment address, but I never received. 

We want a complete loan history and proof that our timely payments have been applied an interest charges have been properly calculated.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Ed Financial cashed a check for {$7400.00} from my XXXX plan on XX/XX/XXXX. This money was never applied to my loan. I have a copy of the cashed check by their institution. In the last 40 days and several calls to customer service, ( dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ) the only answer I receive is that they dont know where the money is. Customer service clerk is XXXX and XXXX XXXX ) I will need to provide proof at the end of the year taxes that this money was applied to Education and that loan was payed. Ed Financial is offering no assistance and simply states they dont know where the money is.
Consumer complaint received 2024-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXXXXXX, XXXX 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 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 months that are reported late 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

Customer Service Department American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Denied Claims and Unauthorized Charges Dear Sir/Madam, I am writing to formally lodge a complaint regarding two claims that were denied and subsequently debited back to my account. The original claims were filed in XXXX for several charges that occurred from XXXX XXXX. I explained during the filing process that I have never used XXXX XXXX  before. Additionally, there were multiple charges filed in different claims against XXXX and several other booking sites. 

Membership Number : XXXX Amex Reference Number : XXXX Amount : {$5600.00} Membership Number : XXXX Amex Reference Number : XXXX Amount : {$7800.00} A representative from American Express contacted me , stating they wanted to discuss the situation to protect " my interests and the interests of the business. '' During this conversation, I explained that the only possible scenario I could think of was that my card was left in my condo when it was rented out on XXXX. It is possible that a guest used my card information along with my XXXX which contains my email and other personal information. 

Despite my explanation, the representative did not consider my account and simply informed me that the charges would be reversed and rebilled. This has resulted in the following communication from American Express : " Dear XXXX XXXX, We are writing to you because you recently contacted us about a charge ( s ) on your account. According to our records, you provided your account number to a Merchant. By doing so, you are giving them permission to charge your account. Based on this information, we will not be able to handle this as a fraud dispute. Since we previously issued credit, we have removed this credit in the amount of {$5600.00} from your account. This adjustment will appear on an upcoming statement. If you wish to pursue this matter further, you should contact the Merchant directly. '' Due to this decision, my account is now almost {$10000.00} negative. This situation is both distressing and unacceptable. I reiterate that I have never authorized these charges, nor have I used the services in question. I am requesting an immediate reversal of these charges back to my account. 

If this matter is not resolved promptly and satisfactorily, I will have no choice but to pursue legal action to protect my rights and recover the disputed amounts. 

I trust that American Express values its customers and will act promptly to rectify this issue. Please contact me at your earliest convenience to confirm the reversal of these charges. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (UT)

Dear Synchrony and Verizon, I appreciate your recent communication regarding the resolution of the rewards issue on my account. However, I regret to inform you that the promised rewards are still not linked to my account, and my current rewards balance remains at {$0.00}. Additionally, I am unable to log in where it says " already a cardholder '' it simply refreshes the page and won't let me access my account to see or use rewards. Furthermore, my app shows {$0.00} rewards available on my phone. 

This situation has been particularly disappointing as I had previously addressed this issue with both Synchrony Bank and the Consumer Protection Bureau. Synchrony Bank assured me that the issue would be rectified, yet it appears that the problem persists. 

On XXXX XXXX XXXX, I received a letter confirming that the rewards would be retroactively applied and reflected on my XXXX XXXX  statement. Unfortunately, this has not happened.

I have taken the time once again to gather and upload all relevant documentation to aid in the resolution of this matter. I respectfully request that you investigate this issue thoroughly to ensure that the promised rewards are accurately credited to my account and that future transactions are appropriately rewarded. 

Compliance and customer satisfaction are crucial, and I hope that this matter can be resolved promptly to avoid further escalation. Thank you for your attention to this issue, and I look forward to your swift resolution. 

Best regards,
Consumer complaint received 2015-12-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

In XXXX 2015, I received a notice that from the mortgage companyNationstar, that they erroneously calculated the impound account formore than 12 months. The error resulted in a negative balance, whichwould require us to pay in full or make additional payments over time. 
The amount was XXXX. Since XXXX I have made the additionalpayments, plus sending additional money to bring down the shortage. 
I have made every payment, plus sent additional funds of {$900.00} toapply to the shortage. Since XXXX they continue to make errors inposting the payments, and I was called on a regular basis by theircollection department, telling me I was missing a payment. I spokewith XXXX supervisors and several line phone people trying to tell themthe payments were there. In addition they charge me interest, whichI was told by XXXX supervisor would be reversed, but that never happenWe are trying to refinance, and due to these ongoing errors, they arereporting two months late payments on my credit, even though I haveactually paid more that what was due. 
I want them to remove the late payments from my credit, as well ascredit my account for all the fees they have charged me. Also, theyneed to post the additional XXXX to the escrow account as I indicatedwhen sending the payment.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I've had a credit card with Capital One for at least 5 years. Since then I was given 2 additional cards due to my payment history. Last month I was presented with a letter that my accounts were being closed due to fraud. I called Capital One to inquire about this and was told because I bounced 9 checks over the past years. I'm listed as fraud, which made no sense. They payments I've made have come from my account, my fianc account who is an authorized person, and my mother -in - law who actually paid the cards off last year. I don't like that I'm being labeled as a fraud my accounts was closed and they are still asking me to pay my account, which I am using the same banking account they said I was using as fraud, which is crazy. Also, I earned reward points, which was not applied to the balance before they closed my account. I was told since this happened with one of the credit card accounts, they closed all of them. That really hurt because I worked hard to build myself up with capital one.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account XXXX : XXXX/XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX XXXX/XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX  XX/XX/XXXXXXXX  - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXXXXXX  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am filing a formal complaint against Capital One regarding predatory practices and unfair fees associated with my XXXX credit card account. Below are the details of my complaint : Details of Complaint : Nature of Complaint : Capital One prompts users to input personal debit card routing and account numbers when making payments, implying this as the recommended form of payment. However, this method has resulted in repeated issues with payment processing. 

Specific Issues : XX/XX/2024 : A payment of {$40.00} made on XX/XX/XXXX using my personal debit card was returned on XX/XX/XXXX due to processing delays. 
XX/XX/2024 : A payment of {$53.00} made on XX/XX/XXXX using my personal debit card was returned on XX/XX/XXXX, resulting in a late fee of {$40.00} imposed on XX/XX/XXXX. 
XX/XX/2024 : A payment of {$70.00} made on XX/XX/XXXX using my personal debit card was returned on XX/XX/XXXX, resulting in an additional late fee of {$25.00} imposed on XX/XX/XXXX. 

Despite following the suggested payment method, these delays in processing have caused repeated returned payments and excessive late fees. 
Capital One closed my account on XX/XX/XXXX due to these issues, further negatively impacting my credit score and financial stability. 

Actions Taken : I contacted Capital One 's customer service multiple times seeking resolution and relief from the excessive fees incurred due to their processing delays. 
However, the representatives provided no satisfactory assistance or resolution regarding the fees imposed. 

Resolution Sought : Immediate Reversal of Late Fees : I request Capital One to promptly reverse all late fees incurred as a result of delayed payment processing.

Review and Update of Payment Processing Policies : Capital One should review and revise their payment processing policies to ensure timely and accurate processing of payments, with clear guidelines provided to customers on acceptable payment methods and associated processing times. 

Consideration for Account Reactivation : Given the circumstances, I request Capital One to consider reactivating my closed account, understanding that its closure was primarily due to issues caused by the company 's payment processing delays.

Compensation for Financial Impact : Consideration should be given for compensation for any financial harm incurred due to the late fees and account closure, including potential damage to my credit score and associated financial costs.

I believe Capital One 's practices violate consumer protection regulations, particularly in their handling of payment processing delays and imposition of excessive fees despite following the suggested payment method. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure fair treatment of consumers by Capital One. 

Thank you for your attention to this matter. Please contact me if further details or documentation are required.
Consumer complaint received 2024-07-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maximus Federal Services, Inc. (FL)

A cease and desist debt collector letter was sent to Aidvantage by US certified mail on XX/XX/year> ( delivery signature XXXX ). I requested a copy of the original contract and verification of debt with a wet-ink signature. Aidvantage failed to provide requested valid documents.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-10
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. (NY)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 
XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX