davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received an offer from Capital One for a 0 % introductory rate on purchases AND balance transfers until XX/XX/2024. Applied for the card using the QR code in the mailing and received it, but when i inspected the rate on the account after it was opened the 0 % rate was only applied to purchases. On XXXX I contacted the company to receive clarification and was told the rate only applied to purchases, not balance transfers. Even though the mailing clearly states balance transfers. I spoke with a supervisor, still told the same thing. They would not do anything to correct the problem. The only reason I opened the acct was for the balance transfer rate. This is deceptive and predatory.
Consumer complaint received 2018-05-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This investigation has now been well over 30 days to determine is there was late payments. The credit bureau will not validate late payments - it's been over 30 days and still no documents that show my payments were ever late. Isn't this illegal?
Consumer complaint received 2024-06-19
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. (FL)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (AL)

My name is XXXX XXXX XXXX XXXX. I am over XXXX XXXX XXXXXXXX XXXX XXXX US citizen. 
Marcus bank, a notoriously Racist bank, refused to open A CD for one year at 5 %, for being a XXXX XXXX  XXXX XXXX 
I ask you to order this corrupt and Racist bank, Marcus bank, to, immediately open my one year CD for one year at 5 % for {$8000.00}.
Consumer complaint received 2024-01-02
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2022XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022XXXX XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/2022, XXXXXXXX XXXX  Date of Inquiry XX/XX/2022 XXXX XXXX XXXX Date of Inquiry XX/XX/2022.
Consumer complaint received 2024-06-19
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. (FL)

I recently reviewed with my credit report and noticed an account that was not reported accurately I had one 30 day late payment on an account that was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on these date ( XX/XX/year> ). I'm now requesting you investigate this account and update this late payment to be paid on time immediately thank you for your understanding and prompt action.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NM)

XX/XX/year> {$540.00} 15 USC 1692C ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt collector must cease all communication.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MA)

First Republic Bank was acquired by Chase Bank. On XX/XX/XXXX my bank account was turned over to Chase Bank. Upon having access to moblile banking which was active on XX/XX/XXXX. I noticed that I had daily surcharges ( sometimes more than one a day ) in the amount of {$3.00} dating back to XX/XX/XXXX. The charge states Surcharge amount terminal XXXX XXXX XXXX XXXX XXXX XXXX ). 
I called the bank ( Chase Bank ) and they could not tell me what the charges were for and they came from First Republic. I called First Republic and they told me they had no idea what the charges are and they are from

Chase.

I went to Chase Bank XXXX XXXX XXXX XXXX and spoke to XXXX XXXX and he also could not tell me what the charges are and I was out of luck. 

There is ALMOST {$5000.00} IN CHARGEST THAT NOBODY CAN TELL ME WHAT THEY ARE.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ). 
the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Hum

an Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -..- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 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 information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-01-02
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. (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.

has violated my rights. Or a list of inquiries : 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 2024-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION (OH)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2018-04-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I was recently made aware that a lien was not removed from XX/XX/XXXX by XXXX XXXX XXXX. We did a refi with XXXX in XX/XX/XXXX and did another refi with XXXX XXXX XXXX in XX/XX/XXXX. We never received a HUD 1 or Settlement statement from XXXX XXXX XXXX. We will not be able to have the lien removed until we have proof XXXX XXXX   paid XXXX XXXX XXXX. I spoke with a representative from the lien release department of XXXX XXXX and they told me that they don't have a copy of either of the documents we need to prove that they paid XXXX. He suggested I contact the title agency for documentation, which I did, but they are telling me that any documentation would have been destroyed from XX/XX/XXXX. We have since paid off our mortgage with XXXX/XXXX  XXXX in XX/XX/XXXX and although we own our home we aren't able to use the equity in it or sell it unless we can get the lien released. XXXX XXXX XXXX has been out of business since XX/XX/XXXX and I am not sure who has the documentation, but I think it is between XXXX, XXXX or XXXX. XXXX lien release department said they have no record of doing business with me. XXXX will not give any information until I can show proof XXXX XXXX paid XXXX and XXXX has not responded to my request for information. I am under the impression that XXXX XXXX is obligated to provide a Settlement statement to us at the time the loan was secured. I am asking that XXXX XXXX provide us with proof they paid XXXX XXXX XXXX so that I can pursue having the lien removed.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

As of XX/XX/XXXX, I paid the balance of the loan in FULL. 

As of XX/XX/XXXX this credit is reporting a balance of {$1200.00}, which is false. 

XX/XX/XXXX, I submitted a disputed directly to the creditor stating the balance reported was incorrect... These fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. 

I called spoked to a XXXX XXXX, who was rude and condescending stating the loan won't be reported as paid off for 60 to 90 days. XXXX also noted they update the balances between the 1st and 10th of each month. The last time my credit report was updated was XX/XX/XXXX, where the balance was {$670.00}. 

Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING ( XXXX XXXX XXXX XXXX ) has been illegally reporting my information to Consumer Reporting Agencies ( XXXX XXXX, XXXX and XXXX ) 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports States that any consumer reporting agency my furnish a consumer report under the following circumstances and no other : 1. in accordance with the written instructions of the consumer to whom it relates I did not give verbal or written consent for my information to be reported to any consumer reporting agencies. This is a clear violation of my rights under 15 U.S. Code 1681 ( b )
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weinberg Mediation Group LLC (PA)

I received a automated call from Weinberg remediation group on XX/XX/2018 around XXXX. The automated message said I had to call them before my debt they have goes to legal status. 

I called them back and a man answered who continue to tell me that I signed a contract with a credit card company that has a default clause that will kick in if I dont pay them. This default clause allows them to charge me for 4 times he rate of the original debt. I asked if they would be willing to verified the debt. He then very angrily said hes not playing around with and will just report this to their attorneys to take legal action. 

I called back and got the same guy again and asked him to confirm their address to me. My plan was to send them a letter to force them to verify the info. The man then kept avoiding giving me the address, or verifying the one I found online. He then told me I was smart for someone is who in default and that they will be taking legal action. 

After talking to a lawyer, its my understanding its against the law for then to one not identify as a collection agency and to also threaten to sue me. 

After a quick XXXX search it seems this company has been sued multiple times.
Consumer complaint received 2024-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc (MD)

XXXX XXXX sent my account into collections despite the fact that I never received notification that a bill was due. Despite attempt to contact them regarding my account, no response to my inquiry will be made for at 24-48 hours. I need this resolved immediately. 
Also, the doctor 's office where the services had been rendered had no knowledge of this when I inquired about the medical bill in the {$490.00}. 

A collection notice came from a group named Synergetic Communication , Inc. in the amount of {$500.00}, which is the medical bill amount plus an interest charge of {$7.00}. Synergetic sent verification of the original bill, but that does not explain why the bill was placed in collection without being sent to me first.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear XXXX I am writing to report a serious issue with my credit report that has not been resolved by XXXX despite multiple attempts to rectify the situation. I have sent several letters to both credit reporting agencies regarding inquiries and accounts on my credit report that are fraudulent and have been opened without my consent. 

Among the inquiries that are listed on my credit report, there are XXXX accounts related to XXXX that I did not apply for. These accounts are clear cases of fraud and identity theft, as I have never had any dealings with XXXX nor have I ever applied for any services with them. Additionally, there is another account related to a bank that I did not apply for. 

I have provided detailed information in my letters to XXXX and Equifax, including the name of the person responsible for these fraudulent accounts, who is my cousin named XXXX. Despite providing this information and requesting that these accounts be removed from my credit report, they have not taken any action to address the issue. 

I am deeply concerned about the impact that these fraudulent accounts are having on my credit score and financial well-being. I request that the Consumer Financial Protection Bureau investigate this matter and intervene on my behalf to ensure that these fraudulent accounts are removed from my credit report promptly. 

I have attached copies of the letters that I have sent to XXXX and Equifax for your reference. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your assistance in addressing this serious issue.
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (PA)

Since XXXX, my personal loan with XXXX XXXX XXXX has been settled for less than full balance, with my final payment being in XXXX. I have called numerous times since XXXX and spoke with multiple supervisors who acknowledged that the account is closed. I am still receiving payment reminders from XXXX as well as credit bureaus being sent incorrect information. XXXX is reflecting a full balance, which I no longer owe, and are reflecting payments that are missed from the account that should be closed. A supervisor provided me with the document I will attach that shows my account should be closed as of XX/XX/2024.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing information on my credit report for the past year! My lawful rights have been violated by XXXX, XXXX, And TransUnion. According to the FCRA regulations I am entitled to have true, correct, and complete information on my credit report. I have disputed all inaccurate and wrong information for over a year and the information still remains on my report. This information has kept me from buying a home. I have sent multiple letters to get XXXX  and no response.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been dealing with Transunion about unverifiable information on my credit report and also how it is difficult to submit a formal dispute with documents. I have tried over and over again to get consistency from what they are reporting and what they are validating. They have showed me nothing to show that my report is being investigated properly. I even filed a Identity theft report and they do not acknowledge that my account needs attention. I know that they are required to provide me with the information that would give them permission to put this information on my report and they haven't. They want tojust send me results which would be something like this account has been verified as yours without explanation. I am in need for explanation, and they refuse to give, and continue to report as if it was verified and they don't have to have explanations.