davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am writing to request the deletion of certain information in my file, as listed below. Unfortunately, I have fallen victim to identity theft and did not make these transactions. As a result, I am seeking to correct my credit report to reflect the accurate information. 
I have reported this incident to the Federal Trade Commission and have attached a copy of the Identity Theft Affidavit provided by the FTC. I kindly request that you delete these items from my file as soon as possible to ensure the accuracy of my credit report. 
Please expedite this request, as I am eager to rectify this situation and protect my financial well-being.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

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 XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I shopped at Kohl 's on XX/XX/2022 and paid for my purchase with my XXXX Card because I had moved since I had used my Kohl 's card. The clerk told me that if I updated my Kohl 's card with my current address, I could get a 35 % discount. This didn't seem like a problem, so I agree to it. 
On XX/XX/XXXX, I received a lengthy letter in regular mail, telling me that my " application to open an account '' was denied. They gave several reasons. None of them made sense and were easily refuted. I suspected they had a mistaken identity or were looking at the wrong account. Upon checking my credit record, I saw that indeed they had made an inquiry into my credit and this had caused my score to go down. I found this infuriating. I didn't want Kohl 's credit, and I prided myself on keeping my XXXX XXXX as " excellent. '' It's still XXXX. 

I made the trip to my local Kohl 's store, even though it's about a XXXX hour round trip. Customer Service said they suspected fraud and gave me a phone number to call. They said the problem could only be solved over the phone. 
I called the number. I spoke with someone for a long time. Finally, he decided that he couldn't help me. He said he was transferring me to a supervisor. I waited on hold for a half hour, then was cut off. I called back the next day and asked for a supervisor. I was transferred to a voice mail. I left a message for " XXXX, '' including my name and phone number. I never received a call back. 

The first thing was inaccurate in this letter was that I had " EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. '' I have XXXX ( XXXX! ) financial obligation and that is my {$1200.00} mortgage. My income is {$3800.00}. This is more than XXXX my mortgage payment. All of my credit cards are at XXXX {$0.00} balance. I own my car. I have included a photo of the other bogus items that they say were factors in being denied credit. 
They also say I have too many credit inquiries. Before Kohl 's, I have had XXXX in the past few years, when I was thinking of buying a new house. 
I am attaching various documentation that illustrates my point.
Consumer complaint received 2024-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

I was charged on my Capital One card for this ROKU/Britbox streaming service for {$95.00} in XXXX, I informed them I was not paying for the service, as I have not been able to access the streaming service since XXXX XXXX. They set up a case # XXXX. They issued a credit for the amount. Then a couple months later they recharged me for the same amount. I contacted them & said I was not paying it. The complaint desk said I needed to cancel the service. I thought I had done that though TV account last year. They gave me a phone number to call. I have & that has lead to an web address that list about 25 different companies to contact. None of those match XXXX XXXX 
Now I am being charged interest, past due payments, etc. Plus who knows what other impacts to my credit. These streaming services are very challenging to access. 

I would appreciate your assistance in clearing up this mess. 
Thanks.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX did a mobile. They texted the maker of the check. Inquired if he wrote the check at XXXX XXXX XXXX The maker of the check was at work saw the text at XXXX XXXX and replied XXXX. XX/XX/XXXX they returned the check off my account. Maker of the check called WF I called WF, we are both WF customers. They told us both since it was a mobile deposit, if I have the check go to the branch to deposit. We had 2 separate different calls with different reps and was told the same thing. XX/XX/XXXX they returned the check again after the teller verified the funds were available in the issuers account. I called and the rep said oh maybe its because its the same check number, get another check. I told them I cant keep having returned checks on my account, Im trying to get a mortgage. She said a different check itll be fine. XX/XX/XXXX we both issuer and myself went to the branch with another check. Spoke with lead he checked my account, then verified him and checked his account. He said it should be fine there is no issues with the account and deposited the check. I could not cash the check as I would have to explain the transaction. On XX/XX/XXXX at XXXX XXXX  I got an email, they returned the check. This is the 3rd check return and we both was in the branch. Each time we are told something else but they are messing up my account and not explaining why this keeps happening.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I walked in chase bank and opened a checking and savings account on XX/XX/year> I had a check in the amount of XXXX dollars from a settlement case I won due to a car accident I asked them to open a savings account and to deposit XXXX in that account and the rest into the checking everything went fine and they said they will be a 7-10 day hold on the funds because of the large amount I said ok thats fine on XX/XX/year> I receive a text message saying there was suspicious activity on my account and to call the XXXX number which I did the representative tell me that chase decided XXXX close my account I asked why she claimed she could give me a reason and that chase doesnt have the obligation to tell their customers the reason and that I signed that in the agreement when I opened the account she then asked me where the check was from I gave her all the information and explained it was from a settlement from a car crash law suit she then said ok so chase will close your accounts it will take up to 10 business days for the account to close then we will send you the money back that will also take up to 10 business days I asked why whats the reason and if I should go to the branch she said no and we can not tell you why now come XX/XX/XXXX I called to get an update on my money they told me they have to verify the contact number of the lawyers office I provided then every phone number my lawyer has contacted me in and they claim that the numbers arent verified and theres no alternative but to get a verified numbers so that chase can legally contact them I asked them if my lawyer can call them I can even put him on three way they claim thats. Or possible and the only way is to get the lawyer number to be verified which his number is clearly public record I dont know why chase is putting me thru this hard ache I have bills to pay and now my credit cards have late fees due to my funds being on hold
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is knowingly reporting this inaccurate account after notifying them previously last year of this inaccurate reporting. They are damaging my credit score and causing my hardship due to me being denied for housing because of this error.
Consumer complaint received 2023-05-30
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. (MD)

Report from : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Please wait... 
XXXX XXXX XXXX Print report 525 Calculated using VantageScore 3.0 Provided by TransUnion Personal Information NAMES REPORTED XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX EMPLOYMENT INFO SXXXX XXXX XXXX XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts Here 's every account on your TransUnion report. Click on the account name for more details. 

See an error? 
You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 

XXXX XXXX XXXX XXXXXXXX XXXX  Reported : XX/XX/XXXX + {$490.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$110.00} Closed XXXXXXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$140.00} Closed OTHER LOANS XXXX Reported : XX/XX/XXXX + {$430.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX Collections
Consumer complaint received 2024-07-01
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)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-06-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (TN)

In late XXXX we logged into our Amerihome Mortgage account to request an additional {$500.00} be applied to the Principal of our next regularly scheduled mortgage payment. Our mortgage payments are set on Automatic Payment/ACH. Instead of applying the {$500.00} principal payment to our next scheduled payment on XX/XX/XXXX, Amerihome collected an additional entire month 's mortgage payment on XX/XX/XXXX along with the {$500.00} we requested on top of it. 

We have spent a considerable amount of time on the phone trying to sort this out with Amerihome, but they go in circles and will not acknowledge they made an unauthorized withdrawal from our account for the mortgage payment and they will not refund us the mortgage payment that we never agreed to. 

In addition to this unauthorized payment, in XXXX of XXXX we requested to remove escrow from our mortgage payments for homeowners insurance and property taxes. After jumping through numerous hoops, Amerihome sent us a check for the escrow balance in our account, but they did not include the XXXX escrow payment that we made when they withdrew the unauthorized mortgage payment from our account on XX/XX/XXXX. I have a detailed spreadsheet which records every payment we made to include the beginning escrow balance and the {$190.00} from the unauthorized mortgage payment withdrawal. We provided this spreadsheet to Amerihome via certified mail. 

To top it all off, last week, on XX/XX/XXXX, we received a letter from Amerihome which states they have transferred the servicing of our mortgage to another lender, XXXXXXXX XXXX XXXXXXXX. This notification was made short notice and will be effective next week, on XX/XX/XXXX. 

As a remedy, we would like Amerihome Mortgage to return the unauthorized payment they collected on XX/XX/XXXX in the amount of {$2700.00}. This amount would also satisfy the {$190.00} escrow payment that was not returned to us when we eliminated escrow from our account.
Consumer complaint received 2024-06-25
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. (GA)

I have been identified as a victim of Trafficking that has resulted in Debt Bondage and affects my consumer report. As a Survivor of XXXX XXXX XXXX XXXX XXXX  you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on XXXX. 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 XX/XX/year> 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 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 2023-05-29
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. (FL)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraudulent. The disputed inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the inquiries are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  IN XXXX Balance : -, XXXX XXXX  XXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 2022
Consumer complaint received 2024-07-01
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.