davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (TX)

My account with XXXX  was never late! I have had exceptional payment history with XXXX  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 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 that are reported 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 dateXXXX 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 2021-11-06
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: EQUIFAX, INC. (FL)

I have sent Equifax multiple requests asking for them to identify the random account number they have listed without a name for the original creditor or the collection company they claim owes the debt. It is the XXXX XXXX XXXX 's job to provide consumers with fair and accurate consumer reports. When requested, why is Equifax not providing me with the information I am requesting on an account they have decided to add to my report with no accompanying information? This is not fair and accurate reporting and this account needs to be removed for its inaccuracy.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Received a letter from Bank of America that i was approved for a new credit card- with a limit of $ XXXX that I never applied for - I called them and shut it down. 
XXXX noted a change of address in my file to a new address in CA that does NOT belong to me. 
XXXX also told me someone was trying to access my XXXX XXXX And XXXX XXXX XXXX XXXX XXXX through XXXX XXXXXXXX and change the address
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

MOHELA has moved to a new platform that has major bugs. Namely, I am unable to increase the amount of my Auto Pay above the minimum payment. This is impacting my ability to repay the loan faster and save on interest. I attempted to report this bug via MOHELA 's " Contact Us '' form and ... that was also broken! The form does not submit after you click 'send ', so there's no way to let them know that one of their site 's main functions does not work.
Consumer complaint received 2023-08-25
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. (FL)

The moment I received the duplicate of my report that I purchased with XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION, CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection, charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Date Opened :, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-02-16
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. (MI)

I have disputed these fraudulent inquiries multiple times with Transunion, XXXX and XXXX and they kept ignoring my request. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately. 

15 U.S. Code 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports-a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, nor later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL STATICS FROM XXXX, XXXX AND TRANSUNION. Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-25
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. (FL)

XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I am writing to formally dispute inaccurate information on my credit report concerning an auto loan with account number XXXX. Despite my efforts to resolve this issue with the credit reporting agencies and the creditor, the incorrect information remains. 

Discrepancies Noted : Inconsistent Balance Information : XXXX reports a {$0.00} balance, while XXXX and Equifax report a {$17000.00} balance. 
Inconsistent Date of Last Payment : No date provided by XXXX, XX/XX/XXXX by XXXX, and XX/XX/XXXX by Equifax. 
Inaccurate Reporting : The repossession entry does not accurately reflect my payment history. 

I attached proof of identity and document thats showing inaccurate.
Consumer complaint received 2024-02-16
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. (NY)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (CT)

In XX/XX/XXXX, when I was going through my mortgage process, I was told that I needed flood insurance. They then provided me with insurance from XXXX XXXX. Since then, my mortgage company has changed to PHH Mortgage. In XX/XX/XXXX, PHH Mortgage, increased my bill from {$1700.00} to {$2600.00}. I called and questioned the almost {$1000.00} increase. They told me that back in XX/XX/XXXX, unbeknownst to me, my flood insurance went from {$430.00} to {$7700.00}. PHH Mortgage nor XXXX XXXX notified me of the increase. PHH Mortgage took it out of my escrow and left a negative balance of more than {$4000.00}. They said I should've noticed it in my statement, but PHH Mortgage promotes paperless billing and the use of an app which was recently updated and only really highlights what I should pay each month. PHH Mortgage says that they only do reevaluations in XXXX and that it has already been 5 months since the change was made. I will have to pay the increased mortgage until the XXXX is paid back and my escrow is in good standing ( Good standing being about XXXX XXXX  at this point since the flood insurance is so high ). They didn't have any updated information for me to contact XXXX XXXX. When I finally got in contact with XXXX XXXX, they told me the same thing. They offered me a premium for {$3500.00}. They said that I would have to pay upfront on top of {$7700.00} in order for me to get a refund. They will not tell me how much they can refund me unless I pay and then cancel. I'm assuming since the period is almost halfway over then they will only offer me half the amount, which means I will get nothing back. For me to get a new flood insurance, I would have to come up with about XXXX XXXX  within the year. When I took out my home loan, they verified my income to make sure that I would be able to pay my mortgage and now it seems as they are deceitfully trying to make it so that I'm not able to pay it. XXXX XXXX claims to be giving me a FEMA/NFIP quote but I contacted FEMA and they are saying this is not true. PHH Mortgage or XXXX XXXX  or both might be preying on new homeowners that don't understand that private insurance companies are able to inflate their premiums at any point without approval.
Consumer complaint received 2024-02-17
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. (IL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (OH)

I am writing to file a formal complaint against American Express for alleged wrongful debt collection procedures. I believe that American Express has engaged in unjust and and complex 9legal proceedings against me, including the issuance of garnishment orders, imposition of unexplained fees and charges, which have caused significant financial distress and violated my consumer rights. 
I will provide a summary of the issues i have encountered. 
1. Garnishment orders : American Express has initiated garnishment orders to collect on debt without reasonable attempts to negotiate a repayment plan. These garnishment orders have been issues without proper explanation and i was not afforded the opportunity to dispute the debt 's validity.

2. Unexplained Fees and charges : American Express has imposed fees and charges on my account that lack transparency and clear justification. Despite repeated request for clarifications, i have not received a satisfactory explanation for these additional charges/costs.

3. Complex Legal Proceedings : American Express has employed complex and confusing legal procedures in its debt collection efforts. These proceedings have made it difficult for me to understand my rights and options, further contributing to the stress and financial burden of this situation.

I believe that American express 's actions are in violations of consumer protection laws and regulations, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd- Frank Wall Street Reform and Consumer Protection Act.

I kindly request the Consumer Financial Protection Bureau to investigate this allegation and take appropriate actions to rectify these issues. Specifically, i am seeking : - A through investigations into American Express 's debt collection practices - Assistance in understanding and verifying the legitimacy of the garnishment orders issued against me - A clear breakdown of all fees and charges applied to my account - Enforcement of consumer protection laws and regulations to ensure fair and transparent debt collection practices. 
I am prepared to provide additional documentation and evidence to support my claims and facilitate your investigations. 
Also, i would like to mention about previous malpractice by Amex and complaint against it didn't stop them to do the malpractice. 

REFERECE Previous Complaint against Amex XXXX XXXX XXXXXXXX Please do not hesitate to contact me for any further information required. 

I appreciate your attention to this matter and your commitment to safeguarding consumer rights. I eagerly await your response and the resolution of these concerns and stop Amex to do malpractices mentioned above and previously complained. 

Thanks for your support and cooperation.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (IL)

I am writing to complain to US BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am writing to express my extreme dissatisfaction with the recent delay in posting my payment to my Capital One credit card account. On XX/XX/2023, I made a full payment of {$550.00} with my checking account I normally use. However, I was informed that the funds will not be released until XX/XX/2023, resulting in a six-day delay. 

This delay is unacceptable and unfair. My payments to this card, issued by the same bank I used for payment, typically post within 24 hours. This sudden and unexplained delay is not only inconvenient but also raises concerns about the reliability and efficiency of your system. 

This delay have negative consequences for my credit score and even cause late fees on other accounts linked to my credit card. I have not been able to buy food, pay my bills or buy my medicine due to this. It is unacceptable that paying my bill in full, through your own systems, could lead to such penalties. 

I request immediate action to expedite the posting of my payment and ensure this issue does not occur again. I expect a clear explanation for the delay and a confirmation that no late fees will be applied to my account as a result of this error. 

Furthermore, this incident has significantly eroded my confidence in Capital One as a credit card provider. The inconsistency and potential risks associated with delayed payments are extremely concerning. I urge you to address this issue and provide assurances that such delays will not be a recurring experience for your customers. 

I look forward to a prompt and satisfactory resolution to this matter. Please feel free to contact me at to discuss this further. 

Sincerely, XXXX
Consumer complaint received 2024-06-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

The gift card was given to me as a gift and was issued by American Express. The balance stated on the card is {$100.00}. It is clearly stated on the card and their website that the card can be used anywhere American Express is accepted. I checked that the card was active and that the balance on the card was accurate on the day I received the card. I have tried repeatedly use this this card online to make purchases from merchants that accept American Express and the gift card has been denied every time. My most recent attempt was today trying to make a purchase from XXXX XXXX. I contacted the merchant to ask why the card was being denied and they responded that the purchase was being denied by American Express. I again used the phone number on the back of the card to verify that the card is active and that it has the correct balance on it. The amount I was trying to purchase was less that the amount loaded on the card. I then began doing research online and multiple people who have either purchased or been given an American Express gift card are having the exact same problem. When American Express customer service is contacted, they claim the cards are blocked due to security protocols even though the cards are being used with vendors and merchants who accept and have a relationship with American Express. The customer service reps claim that they remove the security blocks, but the gift cards continue to be unusable.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is fraud on my account. I did not authorize any credit reporting on my report. 12 CFR subsection 1022.3. Anything added to my credit report without my knowledge is fraud. There are a lot of discrepancies on my credit report which needs to be fixed.
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

I opened a XXXX  XXXX  account and got paid and decided to transfer {$1000.00} of my paycheck to the new account via Venmo. When I did this it triggered an account suspension for suspicious activity. This was last XXXX. I submitted the requested document and let them know my legal name was different and that if they need that documentation I am able and willing to provide it. I have gotten no response. I contacted customer service today and they essentially said theres nothing they can do and it will take XXXX business days. So essentially they are holding my money I need to pay my XXXX  XXXX and ignoring my pleas and compliance with their policies.