davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING 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.

This company 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 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING 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.

This company 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 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Good Morning, I want to bring to your notice, that recently Synchrony has started levying a fee of XXXX $ if we opt for paper statement of account. 

We are XXXX XXXX  and we donot like to log in and remember our password, it is easier for us to see the charge on our paper statement of accounts and understand as well as identify those if those are not legit. 

You will appreciate as a customer this is our fundamental right to receive statement of account via paper statement of account if i donot want to have sent that via email or electronically. 

This type of bully behavior by these service provider should be taken seriously and they should be reprimanded for their actions like this. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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: ALLY FINANCIAL INC. (CA)

I am a cosigner on a vehicle. The vehicle Is being financed through Ally Bank. Ally bank submitted a 30 day late payment on XX/XX/year> along with past due remark on my credit which brought down my score over XXXX points. The owner of the vehicle assumed that the payments were being made because they thought it was on auto pay. I was unaware that there was any type of late payment or delayed payment until I looked at my credit and saw the XXXX point decrease because of that 30 day late payment and past due. I called them XX/XX/year> and paid the past due payment as well as the current payment. I called them asking if they can forgive/remove the 30 day payment since I paid everything the day after they reported. While also asking them to submit an off cycle reporting because I am in the process of applying for a business loan and the negative remark Along with the report, showing that it hasnt been paid has been severely affecting my ability to get approved for that loan. They ( Ally Bank ) refused to do both. They have been giving me nothing but a hard time. They refuse to work with me. The next reporting cycle is on the XXXX of this month, XXXX. I have even spoke to them about paying more in advance, so they see that that was a XXXX time fluke. And yet they Refuse to not work with me and or provide me with any type of forgiveness
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced in your communications with me. Please note that statements alone are not sufficient evidence of a debt, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : The name and address of the original creditor ( CAPITAL ONE N.A. ).

A detailed explanation of the debt, including the amount owed and the date the debt was incurred.

Copies of any contracts or agreements that substantiate the debt. 
A complete payment history showing how the amount was calculated. 
Documentation that verifies you are legally authorized to collect this debt. 
Until I receive the requested documentation, I consider this alleged debt to be disputed. 

Additionally, this letter serves as a formal notice to cease and desist all forms of communication with me regarding this alleged debt. This includes, but is not limited to, phone calls, emails, letters, and any form of electronic communication. Furthermore, this cease and desist order extends to the reporting of this alleged debt to any consumer reporting agencies. Any continued reporting of this disputed debt will be considered a violation of my rights and will be pursued accordingly.

Please be aware that failure to comply with this notice and continued harassment may result in legal action against your agency. Should I choose to litigate for harassment and abuse, the costs will be itemized as follows : Attorney Fees : {$500.00} per hour Court Filing Fees : {$400.00} Damages for Emotional Distress : {$5000.00} Statutory Damages under FDCPA : {$1000.00} per violation Lost Wages due to Court Appearances : {$200.00} per day Other Costs ( e.g., travel, documentation ) : To be determined By choosing to disregard this notice, your agency will be subject to these costs, which I will seek in full through the appropriate legal channels.

Thank you for your prompt attention to this matter. I expect a full and complete response within 30 days of receipt of this letter. Please send all correspondence regarding this matter to my address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
Product: Credit 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: WELLS FARGO & COMPANY (MA)

Around XX/XX/year>, I received an erroneous charge of {$100.00} on my XXXX credit card from XXXX. After multiple calls with customer service, Wells FargoXXXX finally addressed the issue in XX/XX/year> by launching an inquiry with the vendor and issuing me a new card. I was given a temporary credit of {$100.00} towards my balance. 

On XX/XX/year>, XXXXWells Fargo informed me that my issue was resolved and issued me a separate refund of {$100.00} directly from XXXX. On XX/XX/XXXX, XXXXWells Fargo rescinded the credit they had applied earlier. 

The issue arose when, on XX/XX/XXXX, XXXX/Wells Fargo debited my card again for {$100.00} to rescind the same credit for a second time, placing a card, which I had stopped using due to these issues, in the red with a negative balance. 

Multiple times over this six-month process, the company has applied interest and late payment penalties to these erroneous charges only to remove them, further demonstrating that they are aware these charges are incorrect. Nevertheless, they have been unable to remove the incorrect charge and let it continue to accrue fees, and I believe it may negatively impact my credit if it is not corrected. 

Currently, the balance is {$150.00}, which is a {$100.00} erroneous debit and {$51.00} in fees on that charge.
Consumer complaint received 2023-07-06
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)

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 U.S.C 1681. ACCOUNT Name : 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 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 an 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have had this business card probably XXXX with Capital One, since acquiring the card, I have never defaulted and my bills were paid on time when due. In XX/XX/XXXX, I went overseas for months because of the burial ceremony of my mother, before I left, I didnt incur any debt on the card, and it was a surprise when I got back and I tried to use the card, and it was declined. I called them to ask them what the problem was and I was shocked when I was told that they had closed down the account. I asked them why did they close it, but they couldnt answer my questions. I called again about XXXX minutes later and the person said that they sent me a letter in XXXX and I didnt reply it. I said, obviously I couldnt reply it, because I was overseas and they could have sent me an email, they said they did on the XXXX XXXX  XX/XX/XXXX, I checked my emails and there was no email from them. In fact, they sent me a check for XXXX on the XXXX XXXX  XXXX for capital one reward. I told them to restore it, because they did it without writing or emailing but they refused. Sincerely, I am at loss, because the closure has affected my credit score and I want to know why they did it. I want to be compensated for the loss of points on my credit score. The business card is XXXX. I hope you will use your good office to rectify this injustice. XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my follow up to resolve this issue, and I am extremely frustrated with the lack of response and resolution from your agency. I have provided documentation and evidence of identity theft in my previous attempts to resolve this matter. I am requesting that these fraudulent entries be removed from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond within 30 days. I have no choice but to escalate my complaint to you and seek legal action to enforce my rights. These are the following fraud items I want to be remove immediately from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (IL)

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. 

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 XXXXXXXX XXXX THE FOLLOWING RULES HAVE BEEN BROKEN.

15 U.S.C. 1681 Section 602 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 an 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 item of information. Any other adverse item of information, other than records of connections 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (GA)

I am not receiving my Marriott Bonvoy points from Chase to my Marriott Bonvoy account. I have contacted Chase and Marriott but neither one is able to assist me, Chase just says it is linked and you just have to check Marriott, but I would not be calling Chase if I had my points already. This has been going on for the past 2-3 months. I have contacted Marriott as well and they confirmed that the Chase card is not linked and would need to contact Chase to link it. We confirmed that the personal information, name, email, phone number all matches on both sides ( Chase and Marriott ). Every time I call Chase, they claim that it is escalated and has been resolved, but do not contact me of the resolution to confirm if it actually is resolved by me. I am missing over XXXX bonvoy points from chase and a free night award and the elite night credits as well. My statements end every 3rd of the month. I have not received any points since I opened my card in XXXX. I want my Chase Credit card to be linked to my Marriott account and all of my points, elite night credits and free night award to be transferred, if this can not be accomplished, I will need to cancel my card and my XXXX fee refunded as it would be pointless to keep. I also have an error message stating " We couldn't load your Marriott Bonvoy Benefits in the Chase Mobile App '', but the Chase representatives just ignore my concern. I have attached screenhots of my error message in the Chase Application and all of my Marriott Points earned in the past 6 months, which does not show the chase points. Everytime I call Chase Customer Service they say my Marriott Bonvoy number is linked and it is not, it does not show it in my Chase Mobile App.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a follow up complaint regarding the ongoing issue of fraudulent items on my credit report. Despite multiple attempts to resolve this matter, these inaccuracies persist. This letter marks my multiple attempts to address this issue, and I am seeking immediate action to correct these fraudulent entries.Despite providing all necessary documentation and evidence to support my claim, these fraudulent items remain on my credit report, negatively impacting my credit score and financial standing. 
I am asking for your help to immediately remove the fraudulent items from my credit report and provide me with written confirmation of the removal. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year>.
Consumer complaint received 2023-03-31
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. (CA)

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. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-26
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX