davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

It was in the understanding that Capital One would not assess any late fee charges if I paid account as agreed on time which I have and was assured by the representative. Now they are going back on there word and assess late fee charges of {$26.00}. In XX/XX/XXXX. The charge is in error because I paid by account balance at the time it was due. I specifically asked the account representative if the payment was on time she confirmed that it was and that I would not be assessed any late payment charges to my account. 
I was informed by Capital One on XX/XX/XXXX after receiving and activating my new charge card that I was assessed a late charge by Supervisor Account Representative that there was a charge of {$26.00} assessed to my account due to late payment. I explained to Supervisor that the prior representative whom I made my timely payment on XXXX XXXX XXXX  informed me and assured me that there was no late charge payment assessed. I asked him to please review the recording and if we could review together for accuracy and supervisor informed me there was nothing he was going to do about it. There was no empathy from supervisor and he was unable to help me and was ready to hang up and stated if I did not like it I can take my business elsewhere. Then was told with this kind of account being that it being a secured account there is no courtesy to be given to which made me feel less than offensive veiled comments to a card holder. I was also told by supervisor that I was denied information as to the recorded call due to the fact that was Capital One proprietary information and that I could not listen to my own call that I authorized to be taken. I then asked where in the Capital One policies and procedures that I could go to read and review as to why I am being denied this information. I then requested to be able to speak with another manager or someone from the corporate office and he very rudely stated he was the highest level and made me believe that there was no one else. At this point I let him know every organization has management and/or a corporate office, extreme unprofessionalism. At that point I asked if this call was recorded for accuracy and was informed that it was so I would like both calls reviewed. I am beginning to believe that this type of behavior is typical of Capital One. I think this supervisor was incredibly offensive, insulting and discriminative towards me. I must insist that this complaint be investigated to the fullest extent possible. I also request that the results of this investigation be sent to me so that I might personally review the findings.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (FL)

Consumer Adj. Co. reported a debt on my credit report without informing me of the debt. I did not received an initial notice giving me the option to dispute the debt. I requested verification of the debt as well as assignment or bill of sale and I did not received anything from them.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was reported XXXX past due, XX/XX/XXXX was reported XXXX  days past due, and XX/XX/XXXX reported XXXX past due. This does not correspond with the dates reported in XXXX and TRANSUNION, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX XXXX days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. XXXX : XXXX states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. TRANSUNION : TRANSUNION shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. TRANSUNION shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.
Consumer complaint received 2023-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My report was pulled on these days without my knowledge or consent Transunion 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 2023-12-02
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. (NJ)

[ XXXX XXXX ] XXXX Subject : Notice of Dispute under 15 USC 1681 ( b ) Dear Sir/Madam, I am writing to dispute a late payment that has been inaccurately reported on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681 ( b ), I request an investigation into the matter. 

Account Information : Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Inaccuracy : [ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ] I believe that the late payment reported is inaccurate, and I request that you promptly investigate and correct this information. The FCRA requires that consumer reporting agencies and furnishers of information provide accurate and complete information, and any failure to do so is a violation of federal law. 

Please provide the results of your investigation and any corrections made to my credit report within the timeframe specified by law. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (IL)

This compnay put something in my credit report, they have never notified me or sent me information till I filed a case with this government agency that did nothing. I spoke with an attorney which advised this company isnt even bonded in Illinios. They have have never sent me any documents advising me of this before putting on my credit report. They are also charging me monthly fees on the credit report which I was also advised they cant do.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I've received an obscene amount of inquiries on my credit profile between XX/XX/XXXX up until as recent as XX/XX/XXXX. I've never initiated any of these inquiries nor provided anyone with written authorization to access my credit. I've spent several days and hours contacting equifax, XXXX, XXXX and the creditors but I'm not receiving any assistance from any of the companies mentioned and they have failed to provide me with proof showing I consent to these inquiries.
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023, I same-day domestic wire transferred {$26000.00} from my Bank of America ( BofA ) Business Account ending in XXXX to XXXXXXXX XXXX XXXX ( XXXX ) for beneficiary/account holder of XXXX XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) with account ending XXXX. According to BofA, XXXX accepted the wire on XX/XX/2023. However, the following week, my vendor XXXX still had not received funds into their account. When she called XXXX, they told her that they were awaiting additional information from BofA. I called BofA and they told me that they sent the additional information. Still, the funds sat unreleased for a couple of weeks more. On XX/XX/2023, funds had still not been released to the beneficiary and I initiated the wire recall to my bank of BofA. I was told that XXXX could take up to 24-48 hours to acknowledge the recall and from there, it would be unknown when my account at BofA would again see my money returned into my account. Seven business days later ( 168 hours ) on XX/XX/2023, I called BofA to inquire the status and they told me that XXXX has not yet acknowledged the recall and they do not have the ability to take funds back from them and can only continue to request funds be returned yet they just sat and did nothing. I have called multiple departments at BofA and I get nowhere. I asked the account holder at XXXX to help with a call to her bank. Here is what she wrote me today, XX/XX/2023, after calling them, XXXX XXXX told her the following : XXXX reached out to Bank of America for the added info needed for compliance. 
BofA responded to the first outreach, acknowledging receipt of it only. 
XXXX followed-up four separate times thereafter and never received the info. 
XXXX, therefore, closed the claim. 
The funds are not with XXXX and are with BofA. She pressed this issue several times and was told this repeatedly. 
XXXX suggested you to escalate this with BofA and assured you that is the only option for me to receive the funds back. 
This has become BEYOND frustrating and to me seems to be negligent and illegal. 
My complaint is that XXXX or BofA are illegally holding funds that do not belong to them, not informing their account holders of the status or informational needs to release funds and I believe that these banks are in violation of Federal Banking laws and consumer protection rights. I want either the funds to be returned to my BofA account immediately or released to the beneficiary that I originally intended.
Consumer complaint received 2016-02-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MO)

I am a 3rd party negotiator working on a short sale. I have submitted all requested documents and I have pursued responses from the servicer so that I present any deficient documents and keep the process advancing. This file has gone to 'to underwriting review ' five times. I want a complete and thorough review of the file so that the required valuation and ATP can be arranged as required by FHA/PFS guidelines.
Consumer complaint received 2023-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2018-03-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar continues to send me incorrect billing statement, and refuses to correct any past billing issues. They continue to charge me {$68.00} for " lender paid '' expenses, and any excess payments disappear! The lender paid expenses in question were paid in full as of XX/XX/XXXX. Additionally as of XX/XX/XXXX an escrow analysis was completed, which increases my payments by {$48.00}, with a new monthly payment of {$1700.00}. My monthly mortgage statements reflect an actual payment due of {$1700.00}, this is only a minor difference of {$4.00}, but if it is happening to all Nationstar customers sounds illegal! 
Nationstar also refuses to explain or investigate how over 10k in payments, from XX/XX/XXXX- XX/XX/XXXX, disappeared! Nationstar assigned account representatives also lack common courtesy to reply to written communication. ( XXXX XXXX )
Consumer complaint received 2023-04-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (SC)

I loaded money into a Venmo account. The phone associated with the account I use to load the Venmo account was stolen. Someone used that phone to transfer my money out of my account. As soon as I caught this I contacted Venmo. They allowed one transaction after the other to go on and never said the first thing. Most of the money was gone by the time I realized it. They gave me a credit for my money back. Then they froze my account. I just received a email from them saying they would not be responding to any more emails from me. They have almost {$900.00} of my money how can they refuse to speak with me. They won't let me transfer the money and they won't tell me when I may know something. I need my money
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-12-02
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN SEVERAL XXXX LOAN ACCOUNTS IN MY NAME US DEPARTMENT OF EDUCAION/ XXXX XXXX
Consumer complaint received 2024-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

On XX/XX/ I ordered XXXX XXXX XXXX through the XXXX app. The total was {$30.00}. The XXXX employee delivered someone else 's order by the name of XXXX. By the time I realized that I received someone else 's order, the XXXX was at the end of the parking lot on her way out. I immediately contacted XXXX, explained the issue and asked them to either redeliver the correct order or to give me a refund, in which they refused. I then called XXXX XXXX XXXX directly and made the employee aware that the XXXX XXXX was given the wrong order and I had someone else 's order. The lady told me that since I ordered through a third party which is XXXX then I would have to contact them regarding any issues. I communicated back with XXXX  again and sent them proof of the wrong order via the same screenshots I'm sending you. I then decided to communicate with the vice president of XXXX XXXX XXXX to explain my dilemma and he told me the same thing his employee said that since I paid through a third party app I would have to get my refund through them. I asked for a manager to contact me back at XXXX in which they claimed it would take XXXX hours from the time I placed my order which should have been XXXXXXXX XXXX. that night but no one has contacted me back up until the present day. I immediately reached out to my bank Chime and filed a dispute, I provided them the same proof that I provided XXXX stating that I never received my order, yet my {$30.00} payment was never received back for their discrepancy. Chime just recently sent me a email stating that they saw no error and that they refuse to refund my money. I just need my {$30.00} back that I've been waiting to receive since XX/XX/2024.
Consumer complaint received 2024-06-04
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. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

My home real estate tax bill has not been paid by my mortgage company ( Amerihome ) since XX/XX/XXXX and has now incurred penalty charges. My county tax office has sent me a final 30 day warning before my property goes to tax sale. I sent the bill to Amerihome on XXXX XX/XX/XXXX and informed them of the delinquency. They responded on XX/XX/XXXX that they were informing their tax department. After 3 weeks I sent a message informing them again of failure to pay my real estate tax. I have not received any response on correcting this issue. On XXXX XXXX they stated they may have paid the wrong parcel number on a property we no longer own. I reached out again on their chatline, they informed me they opened a second case order and the tax would be paid by XXXX XXXX. On XXXX and again on XXXX XXXX I informed them the tax had not been paid. They said they are opening a third case to resolve the issue and they sent me a letter informing me they are still working on it. Meanwhile the County is about to publish my home for tax sale by the end of this month ( XXXX ).
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by the Three Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of two closed accounts on my XXXX credit report XXXX The accounts in question are : Inquiries due to Identity Theft : Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions.

I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report.

I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 
I look forward to your prompt response and action to resolve this issue on my credit report. 

Sincerely, XXXX XXXX