davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

There was a purchase made for {$9.00} ( XXXX XXXX ) with the account XX/XX/XXXX. We tried using the card for a purchase at a restaurant on XX/XX/XXXX but it wouldnt go through. Tried calling in to resolve and could not process their extensive request at that time. No usage since then and then when logging into the app saw the restriction on the account. When calling in they said account is closed and can not be reopened. It has been a long standing account and had a XXXX balance at the time. When requesting to remove the restriction they said that the account was closed as they need to verify information and it wasnt provided. No letters were received and only are looking more into the app did I see a notice from XX/XX/XXXX, " Less than 24 month close letter ''. I informed XXXX XXXX capitol one representative that no letter was received requesting to verify information and only now noticing this letter that account is closed. Then requested it to be re-opened as feel like it was done in error. They say it can not be undone. This account was not delinquent and I am a loyal customer keeping an account in good standing. They said I can only open a new account. This does not resolve this issue as it affects my overall credit ( account opened XXXX ) and should be reopened to be as it was prior to closing. If any information is needed by CFPB or capitol one to rectify this please let me know.
Consumer complaint received 2024-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

I have been going through this process for almost a year with Carrington Mortgage. 

Our loan was sold to them from XXXX XXXX  due to XXXX XXXX  party payer failed to pay our taxes. So our loan was transferred, during the transfer Carrington did not load our Parcels correctly. Well XXXX parcel was being paid through Carrington while the other was never touched, due to this we were going into foreclosure. When I reached out to them, they stated that they paid all of the back taxes from our now negative Escrow. Which now has made our mortgage go from {$1500.00} to {$2200.00}. I explained to them that I reached out to XXXX and obtained the process of what they need to do to recoup the money from XXXX, XXXX also reached out to them, informing them that we had more than enough money in our Escrow that they can come in and get money just follow the steps that was sent to them. I have not heard back from Carrington, no one knows what to do, I am just livid that no one does not want to just follow the approriate steps to get the money back after XXXX have stated what they should do.
Consumer complaint received 2023-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 4 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

TAKE THIS DISPUTE I am writing to request the removal of late payment information from my credit card accounts with your bank. My credit card account number ends in XXXX which is a platinum XXXX and XXXX XXXX ending in XXXX and the late payments in question occurred on XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-12
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. (GA)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-05-02
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. (MN)

The following hard inquiries and collections account currently listed on my Equifax credit are fraudulent, unauthorized and not my hard inquiries or collections account : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Consumer complaint received 2023-05-02
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. (FL)

This is XXXX XXXX and I am submitting this CFPB complaint in response to the Credit Bureaus ' recent investigation. I do not agree with the Credit Bureaus ' findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX  Opened XXXXXXXX XXXX XXXX XXXXXXXX : {$250.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2019 Balance {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 and 60 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. I need this erroneous account removed from my Credit file without delay.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was laid off due to the pandemic and called XXXX XXXX  to make accommodations to ensure my credit would not be impacted because due to my hardship. I recently check my credit report in XX/XX/XXXX. I called XXXX and was assured the late payments were in error and would be updated and removed. I checked my report again XXXX and XXXX and seen the payments still being reported. I contacted XXXX and Transunion and requested verification of me being late. I have not received a response and this is severly impacting my payment history. Reporting inaccurate late payments to my profile is in violation of 15 USC 1681 s-2 ( f ), those payments were covered under CARES ACT. After calling to ensure the LATE PAYMENTS ( XXXX, and XX/XX/XXXX ) reporting was in error, this further violates 15 USC 1666B.
Consumer complaint received 2024-01-12
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)

I have connected XXXX XXXX for two years. I have hired a credit agency to help. XXXX XXXX has continued to report incorrect information to my credit file. When I call to speak with an XXXX XXXX agent, I am told my account is not with their office. They also go on to let me know that they can not look any of my personal information or account because my debit is not with their office. However, XXXX XXXX is reporting that I how over XXXX in student loan debt on my credit file.
Consumer complaint received 2024-01-12
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 made numerous attempts to dispute this account, but unfortunately, I have not been successful. I have provided police and ftc reports as evidence of my identity theft, and I have also disputed the account on the grounds that the creditor has unlawfully altered the report. I kindly request that you remove this account from my credit report.
Consumer complaint received 2024-05-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (ME)

I am filing a complaint against American Express Gift Card Company and American Express Company ( as licensor and issuer of American Express Gift Card ) for unfair business practices, fraud and unjust enrichment consumer financial credit activity.. 

On XX/XX/23, I ordered XXXX American Express Gift Cards totaling {$1400.00} ( with fees ) from American Express Gift Card Company using my American Express Card. Package was delivered by XXXX on XX/XX/23 BIT PACKAGE WAS EMPTY ). Immediately called American Express Gift Card Company customer services. Subsequently I learned from an American Express Gift Card Company customer service supervisor that at least XXXX of the XXXX cards were used on XX/XX/23, THE DAY BEFORE I RECEIVED THE XXXX XXXX ). American Express Gift Card Company claim # is XXXX ( note on XX/XX/23 the supervisor I spoke with told me the original complaint number i received on XX/XX/23, XXXX, was given incorrectly by the original representative ). According to American Express Gift Card Company records, on XX/XX/23, they left I message if I wanted refund or new cards. On XX/XX/23, I called and spoke with rep and told I wanted a refund. No response to my request and on subsequent request for the refund.. 

Since the XXXX cards purchased on my American Express Card, I filed a dispute with American Express XXXX XXXX ). American Express closed the dispute and told me I had to deal with American Express Gift Card Company. I re-opened the dispute telling them I had tried and failed to deal with American Express Gift Card Company. They again closed the dispute and I have had to re-open it several times because they keep on closing the dispute indicating I had to deal with American Express Gift Card Company, It is clear the cards were stolen before I received them and possibly internally in American Express Gift Card Company. Both American Express Gift Card Company and American Express Company have failed in their financial credit responsibilities. And they have not refunded me as they asked on XX/XX/23 and I first requested on XX/XX/23. 

A full history of the situation and my efforts to resolve are in the enclosed document and attachments.
Consumer complaint received 2023-09-23
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 hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent experiences I have had while attempting to open accounts with your institution. Despite multiple efforts, I have encountered numerous issues, delays, and errors that have severely inconvenienced me. 

To provide some context, I initially decided to open accounts with XXXX XXXX and XXXX XXXX XXXX based on your institution 's reputation for excellence in financial services and the attractive account offerings you have. However, my experience has been far from satisfactory. 

I made my first attempt to open an account, and it was met with an unexpected delay. I patiently waited for the process to be completed, but after several weeks, I received notification that there had been an error, and my application was not processed correctly. 

Following this initial setback, I decided to give your institution another chance and submitted a second application, I encountered a similar delay and frustration, with communication from your institution being sporadic at best. 

Not willing to give up, I made a third attempt to open an account. Unfortunately, this experience was marked by further confusion and delays, causing me significant inconvenience and distress. 

I believe that every individual deserves a smooth and efficient process when trying to open a financial account, and my experiences with XXXX XXXX and XXXX XXXX XXXX have fallen far short of this expectation. The repeated delays and errors have not only wasted my time but also damaged my confidence in your institution 's ability to handle my financial matters competently. 

In light of the above, I kindly request that you take immediate action to rectify this situation. I expect a prompt resolution to my account opening process, with clear communication throughout. If there are any specific documents or information required from my end, please let me know at your earliest convenience so that we can expedite this process. 

Furthermore, I would appreciate it if you could investigate the causes of these issues and take steps to ensure that other potential customers do not face similar problems in the future. 

I trust that Credit Bureaus values its customers and their satisfaction, and I hope this matter will be addressed with the utmost urgency. If this issue is not resolved promptly and to my satisfaction, I will be left with no choice but to explore alternative banking options.The Credit Bureaus should correct the following late open accounts : XXXX  XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX  XXXX Balance : {$440.00}.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed my credit report numerous times. There is a bankruptcy reported on my XXXX report. This is inaccurate. XXXX has deleted the inaccurate report. I will provide proof that the credit bureau XXXX and XXXX XXXX   are reporting inaccurate information
Consumer complaint received 2024-01-12
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. (GA)

I am aware of all rights that I have and that are protected by Congress under the Fair Credit Reporting Act. The credit reporting agencies Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Section 604a, Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (OH)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : 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 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 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
Consumer complaint received 2023-09-23
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.