davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I contacted Capital One about late fees on an account I've had on automatic payments on tuesday, XX/XX/year>. The representative said the reason the late fees of XXXX XXXX  were added was because i was paying XXXX XXXX  a month and the minimum was XXXX. I explained that the minimum was less than XXXX XXXX  a month, I had no new purchases and that I pay more than the minimum which is why it was set at a XXXX  amount and not the default " pay minimum " option. At this point the representative got argumentative and told me I'm a liar. I then cancelled all credit lines with Capital One. I was never notified of a minimum payment change nor given reason why me paying additional on the accounts was no longer enough to cover especially without accruing more charges. Their business practices are predatory, dishonest and their representatives are trained to argue with customers instead of resolve issues.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion.please delete the following accounts. 
XXXX  XXXX balance {$610.00}, XXXX  XXXX balance {$690.00}, XXXX  balance {$1800.00}, XXXX XXXX balance {$470.00}, XXXX balance XXXX, XXXX XXXX balance {$170.00}.
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (GA)

Remove collections and late payments remove now!!! XXXX acct # XXXX {$27000.00} and XXXX acct XXXX XXXX {$9400.00} These collections and late payments must be removed asap, i have reported fraudulent activity due to a security breach in a system that contained my personal information. I have been disputing these items since the pandemic and have reported these errors to XXXX, XXXX, and Experian these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation! 
XXXX acct # XXXX {$27000.00XXXX XXXX  acct XXXX XXXX {$9400.00} Thank you XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I am contacting you regarding a dispute under Section 605B of the Fair Credit Reporting Act. I am a victim of identity theft, and I have filed a report with law enforcement. I request that you block all information on my credit report that is a result of this identity theft. Attached is my identity theft report and any relevant documentation. I appreciate your prompt attention to this matter. '' PLEASE READ THE ATTACHED FTC REPORT IN DETAIL
Consumer complaint received 2024-09-24
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received a capital one silver card with a limit of {$500.00}. 
Capital one allowed a merchant that I had done business with in the past to charge an additional {$1300.00}. 
I disputed the amount. It was incorrect. And, my limit was only {$500.00} and I did not approve this transaction. 
When i got the bill I attempted to make a minimum payment on the total {$1800.00} so that I dont get reported late. While, trying to resolve the balance. However, capital one insisted that I pay the entire amount above the {$500.00} limit at once. I was unable to. And, they reported me late and closed my card. This has made my credit score drop XXXX points. I took them to small claims and agreed to pay in full just to remove this negative on my report. The lawyer was adamant that his client wont settle. This is their tactic to make money off their client. Losing my credit has made my life a living hell.. I should have been allowed to make minimum payments so not to be reported late.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (KY)

I submitted a claim for unauthorized debit card usage on XX/XX/2024. 
I had requested a pin and card be mailed which I never recieved. 

Someone then took this info and used it for XXXX of charges. 
Wells fargo denied the claim saying they had the pin. I said of course they had the pin it was mailed. 

I also requested the information used In the proceeding and to appeal my dispute. They said I couldn't appeal. 
And that I'm a liar. 

They are breaking the law by not providing provisional credit and information regrading the investigation.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (CA)

Something's wrong with the experience system and when I try to set up an account online on their website it says that I can set up account and said that I already have an account which I didn't and don't so what I did was I went to forgot password and and it tells me that the information is not in your system which doesn't make sense cuz it just told me that I had an account so I have not been able to get my credit report from Experian but when I go to the free annual credit report I'm able to get my experience credit report from there so I don't know what's the problem and why it's not allow me to get it from their website or allow me to set up an account I also want to update experience records with my new phone number so I attached a phone bill for my XXXX  phone bill with my new number and address for verification so they can update that information in my credit profile
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

A debt with Resurgent Receivable of {$600.00} is being reported under my name but it does not belong to me. The address associated with this account is incorrect, as I have never lived at or used the address reflected in their records to open any accounts. I have written a dispute letter in XXXX of this yr in regards of the account not belonging to me and it is still being reported.
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (CA)

Urgent Request for Assistance : Account Creation and Credit Report Access Issues Dear Experian Support Team, I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered while attempting to create an Experian account and access my credit report through your platform. 

When attempting to create an Experian account, the system indicates that I already have an existing account, despite never having created one before. To resolve this, I proceeded to reset my password. However, upon providing the required information ( email address and last four digits of my social ), the system responds with no information or account registered with that email address or social, creating a contradictory situation. 

Moreover, I found it perplexing that I could successfully obtain my credit report from Experian using the same information on another platform, XXXX. The discrepancy between the two experiences raises concerns about the functionality of Experian 's account creation process and system reliability. 

I kindly request your immediate attention to rectify this situation as it is hindering my ability to access my credit file through the Experian platform. I understand the importance of accurate credit reporting and value the services Experian provides. I trust that your team will investigate and resolve this matter promptly to ensure a seamless experience for your users. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving the issues I have encountered. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-09-29
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)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CreditNinja Lending, LLC (AZ)

On XX/XX/XXXX I received a solicitation to apply for a pre-approved loan. I applied thinking it was an unsecured line of credit or a loan period. However, I was approved for a payday loan not a loan like I thought. I then received a credit alert from XXXX stated I had a new credit inquiry by this company. I called the company and they stated they do not extend payday loans without creating an inquiry on your credit report. I was upset because I did not signed anything or initialed a disclosure stated that I gave permission for the credit inquiry or anything similar. Nonetheless, I accepted the payday loan and have pay on it according to the terms. Fast forward at the beginning of this month, I received an invitation to access additional funds. Mind you I have a pay day loan already through them, so I assumed no credit inquiry was going to be made and again I was not clearly or specifically asked for my authorization to make an inquiry on my credit. Hence my dispute. I like to have both inquiries deleted, the XXXX from XX/XX/XXXX and XX/XX/XXXX. Both are a violation of the FCRA.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

On XX/XX/2023 I opened a US Bank Business Checking Account. I received an offer to get {$800.00} from US Bank if I opened the account with promo code XXXX, funded it within 30 days with {$25000.00}, and maintained that {$25000.00} balance for XXXX  days. 

I followed all of the steps to a T. I opened the account and then called to confirm it had the promo code and to get instructions on how to fund the account ( needed assistance navigating their website to transfer money in ). On XXXX I had deposited and had a balance of {$27000.00}. I called US Bank again to confirm the promo code was on the account and see if there was anything else I needed to do, they said it needs to be maintained at XXXX XXXX or more for 60 days. I Called XXXX to see where the {$800.00} Bonus from US Bank was and was lead in multiple different directions from XXXXcall your state farm agent ', to 'i don't see a promo code on the account ', to I see the XXXX code but you didn't follow all the steps. I have US Bank Case number XXXX and got a message that my case is closed and they will not be giving me the sign up bonus on XXXX. I called to reopen and escalate the case but have not heard back. 

I have the original mailer with the sign up bonus, bank statements showing my account balance. I don't know why they are not honoring their sign up bonus and they refuse to help.
Consumer complaint received 2024-10-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

This company is reporting traudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/2024, I overlooked and missed a {$15.00} payoff. 

I contacted Synchrony Bank to make the late payment and was informed that the new payoff amount was now over {$32.00}. This increase is over 100 %! I consider this to be usurious as, per definition, a loan may be considered usurious due to excessive or abusive interest rates or other factors defined by the laws of California. 

Synchrony Bank 's front line representative, a person whose name starts with 'XXXX  ', refused to consider any corrections until I demanded to speak with a supervisor, a person whose name starts with XXXX '. 

Eventually, XXXX ' and I reached a {$17.00} figure for the payoff. 

Given XXXX XXXX resistance, those individuals who succumb to the credit threats and probable additional fines, penalties and fees are part of a gouging scheme prompted by Synchrony Bank on patrons of J.C. Penney
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

A company named Genesis contacted my mom looking for me as if was regarding me applying for a car and she told them I was heading to boot camp.. Prior to I had never received anything from and had never hear of them, next thing I know their on my credit and charging me late fees for a date that I was never giving information about. From my understanding they bought the loan without my knowing and made a payment plan I never made fraudulent. I am a college student that decided to go to the airforce and I don't know much about credit but I know this is fraudulent.
Consumer complaint received 2024-09-29
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. (PA)

In accordance with 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. Act The Bureaus, 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (IL)

My mortgage was sold to Fay Servicing, my insurance was set for renewal on XX/XX/XXXX, I selected XXXX XXXX as replacement company for XXXX ( company folded ). I can't even keep up with the LIES and PROMISES made by Fay Servicing to pay XXXX XXXX  for coverage. Fay Servicing took it upon themself to get some LOW BUDGET NO NAME insurance company, tried to say it was due to me not taking action, reminded them I SIGNED IN XXXX WITH XXXX AND ASKED THEM TO MAKE THE PAYMENT FOR COVERAGE. My insurance is set to expire on XX/XX/XXXX due to lack of payment by XXXX XXXX I said I have so many calls into XXXX for XXXX, each call I was promised payment would be made AND IT HAS NOT BEEN PAID! Spoke with XXXX today from escalation or insurance dept, he verified the documents were all CORRECTLY received on XXXX, they were CLEARLY aware of XX/XX/XXXX cancellation date, XXXX CLAIMED payment was sent today, I DON'T TRUST ANYONE OR ANYTHING THEY SAY AT THIS POINT. I think they're trying to force me to take the insurance they selected, might be getting a kickback!!! I NEED SOMEONE TO HELP MAKE THEM HONOR AND SEND PAYMENT-I need my property to be PROPERLY INSURED-PLEASE HELP
Consumer complaint received 2024-09-28
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. (VA)

PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH THE FOLLOWING ACCOUNTS ARE FRADULENT. THE FOLLOWING ACCOUNTS ARE INACCURATE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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: Tower Loan of Mississippi, Inc. (MS)

I recently checked my credit report and have a few different inquires on my credit report that I did not authorize. 
XXXX. XXXX ( XXXX ) {$0.00} I got a phone line with them and they are telling that me someone tried to sign me up for the XXXX credit card. I did not ask them to do so. 

XXXX. XXXX XXXX ( XXXX  ) {$0.00} I have no idea what company this is and I never talked anyone to have my credit ran by them. 

XXXX. Tower Loan ( XXXX ) {$0.00} I have no idea what company this is and I never talked to anyone to have my credit run by them.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (TX)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.