davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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

I demand the late payment reported to be removed/updated.

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 reason
able procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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!
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2018-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

PSLF RUNAROUND. I QUALIFY AND NOW BEING TOLD AFTER TRANSFERRING THE LOAN SOME TIME AGO BASED UPON XXXX   RECOMMENDATION THAT MY ACCOUNT DIES NOT QUALIFY. DECEITFUL CONVOLUTRD PRACTICES. DEALING WITH THIS SINCE XX/XX/17. PAYED ON THE LOANS FOR NEARLY 20 YEARS AND NOT ONE DIME IF PRINCIPLE HAS BEEN PAID DOWN. A DISGRACE.
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (VA)

Good afternoon, I had a loan will Wells fargo for my car. I was notified my account was elligible for a class action payout due to added fees being added to auto loan accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time these emails came but am unable to get contact with anyone on status of my account or even show that i had a loan with them and what to do. I also had a checking account with them that qualified for a class action and they are claiming they cant find my information any where.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

This complaint is due to my recent inability to download transaction histories on my Discover account, something I remain incapable of doing on my XXXX account, and recent coordinated efforts among other financial institutions to aid XXXX in their criminal endeavors. My current balance with Discover, is almost entirely undelivered items with some fraudulent and double charges thrown in. Around 90 % of that balance, is from XXXX XXXX XXXX. 

XXXX XXXX XXXX spent a good amount of time removing tracking information from my online account whenever I would make a request. They appear to be ignoring me now. I retain a response they sent to the Michigan State Attorney General claiming all these orders had been refunded. They have since appeared to put the tracking back despite attempting to claim it only remains for two months and then removing it for new orders. 

Most interestingly, my XXXX account shows an order that was placed to my discover card, for which I retain the XXXX tracking showing it was returned along with a refund receipt from XXXX. Yet my XXXX account claims it was delivered via XXXX. This order was refunded three weeks late, I believe in response to my previous complaints. There are several unrefunded orders from XXXX XXXX, a company that deleted my entire account history shortly after I filed a dispute with XXXX XXXX  because it showed them double charging every purchase, and shipping them to a random locations. They also seemed to have been allowed to issue manually entered transactions while my account was over its limit, due mostly to promised refunds I never received. XXXX seems to have gotten cold feet about the entire scheme and issued the refunds I was due in late XXXX. 

Why was I unable to download a transaction history. XXXX  XXXX XXXX clearly was confident enough that I wouldn't survive Discover 's dispute process to the point of lying to two Attorney Generals. Should I expect the same treatment that I have received from XXXX XXXX?
Consumer complaint received 2024-06-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (GA)

Credit Management XXXX XXXX XXXX ) is illegally reporting my information to Credit Reporting Agencies XXXX XXXX XXXX, XXXX, and XXXX. 

15 US Code 1681 ( b ) - Permissible purposes of Consumer Reports States that any consumer reporting agency may 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 dd not give verbal or written consent for my information to be shared with Credit Reporting Agencies
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (UT)

I sent a letter on XX/XX/XXXX requesting the Credit Bureaus to remove the accounts and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). Ive already included this in my previous Complaints & I am including it again. The items in question are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-27
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. (MI)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts to be deleted immediately. 

XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account
Consumer complaint received 2024-07-08
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. (MD)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I went to deposit XXXX dollars into an atm machine at Capital One located in XXXX NY. The atm machine took my money and then displayed an error message and would not give me my money back noR was it deposited into my checking account. When I called and went into the branch to get a credit for that amount back into my account they told me I would have to wait 7 days for a temporary credit while they investigate. My mortgage is due on XX/XX/17 and now I wont have the funds in my account to cover it. It is ridiculous that capital one is making my wait 7 days to get the credit back. It was their faulty atm machine that caused this and my deposit amount is a large sum of money. The branch manager told me to simply just deposit more money to cover my mortgage. I dont have another XXXX simply laying around. Capital one needs to do better with resolving these kinds of issue or maybe update their atm machines so this does not happen to any other person. I feel like they just robbed me of my hard earned money.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (CA)

Account Name : XXXX Account # : XXXX After initial dispute of this unknown account, my issue was not resolved. One Bureau stated there was no validation to this account and deleted it while the other two stated it was verified as accurate. I never received the method of verification after asking. The same account reporting with the two bureaus after supposedly verifying it as accurate is reporting with two different contact addresses and creditor names for the same account. Also on both reports they are reporting different dates for last date active, last payment date, and date opened. Also these collection accounts are reporting as OPEN and even reporting as LATE BY 120 DAYS. As in my initial dispute, I have no knowledge of these accounts, therefore no contract with this creditor. So how is a collection account reporting as open AND as LATE BY 120 DAYS. How was this even verified as accurate. It is also stating account not disputed but then a few lines down says account disputed, meets FCRA standards Since I could not receive the inital method of validation to these inaccurate reportings being allowed, I am asking for an IMMEDIATE REINVESTIGATION.
Consumer complaint received 2024-06-14
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Avadyne Health Holdings, Inc (MI)

On XX/XX/year>, I received XXXX text messages with attachments and links between XXXX XXXX and XXXX XXXX from H & R Accounts , Inc . 

This was the first notification I had of this debt being in collections. 

I made them aware I was disputing the debit and that their number of messages in the short time span was harassment.
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: Kovo (FL)

kovo inc was charging an additional {$10.00} to the {$10.00} fee they said you would pay per month on your credit building account. I closed my account because they would not fix this issue. i dont see why this is a bad thing on my end. even when i closed the account they still tried to charge me.
Consumer complaint received 2024-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One bank approved me for a car loan after receiving my application/promissory note. I can not get any information or access to my approved funds that came from my promissory note they monetized into a sub account for the amount of $ XXXX for a Infinite vehicle. I spoke to a rep and a XXXX at Capital One Vehicle Fininace dept. I was told i could not be given any information about my account. I am the beneficial owner and holder of the securities. Pursuant to 15 USC 1602, I, XXXX XXXX XXXX the living person flesh and blood am the original creditor. 12 USC 1431 makes it clear what the banks powers and duties are. I was denied access to my securities and it is considered security fraud. I would like to resolve the issue of the parties involved withholding access to my securities. The parties involved are violating the Credit Comsumer Protection Act. As the issuer, holder in due course and beneficiary of this consumer credit transaction I am being caused harm by the malfeasance of the dealer and banks.I should benefit in this credit consumer transaction that I initiated by extending access to my Ces Qui Vie Trust ( my estate ) by giving my social security number from my social security credit card.
Consumer complaint received 2024-07-08
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. (PA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-05-27
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. (CA)

I appreciate you making the effort to update/remove and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I'm hoping that these disputed items will be fixed/delete as soon as possible. 
XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: January Technologies, Inc (NC)

I cancelled a membership with XXXX as the program did not help me. It was too hard and I needed to use something more at my level of knowledge. They were happy and kindly cancelled and set my account at a XXXX balance. XXXX was taking the payments, I called them and they said they still had not received the cancellation from XXXX but that it should take approximately 30 days. I kept receiving emails for months saying I owed them money, even though the account had been cancelled and it was well past the 30 days. I called them and they said they were still waiting. They now submitted this to a creditor who is saying I owed them a ton of money, I told them I had documentation that the account is at XXXX balance, and they asked me to email it to them at XXXX. I sent them the documentation. they said it could take 30 days to review, less than XXXX went by and I received an email saying I still owed them money even though the account is at XXXX balance since XX/XX/year>, with XXXX. They reported this to my credit the same day and said they would give me a grace period to resolve it before they did this. I emailed them back and said I did not owe this money, and I was reporting it to the FTC if it was not resolved. 

The company 's name is January, the website is XXXX, the account number ends in XXXX.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (SC)

Good day. 

I purchased a vacuum from XXXX on XX/XX/year>. I had not received the vacuum by the date I was informed it would arrive. I contacted XXXX via XXXX and received no help. I reached out to American Express and filed a dispute. 

American Express has focused on XXXX  having a tracking number and with that has ruled I did indeed receive my package. However, that is not the case. I have tried to speak with the Dispute Team at American Express, however I have been denied that right. 

If American Express is going to solely focus on XXXX 's tracking number, then lets look at the tracking number. The tracking number, XXXX says my package was delivered on XX/XX/year>. The tracking number gives the city, but no house address. The picture attached to the listed tracking number is not a vacuum nor is it my house. My house is brick on the bottom not wood. 

I am asking for someone to be my advocate and review this case. I did not get my vacuum and American Express is not investigating this dispute appropriately. 
I have supplied American Express with a lot of proof that I did not indeed receive my vacuum. However, they have solely ruled I did by XXXX having a tracking number. 
I will supply all documentation upon request. 

Regards, XXXX
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (KY)

I have called multiple times, they said they were researching and sent me a digital letter back in XXXX, letter pasted below, clearly it's been over 30 days and there has been no communication since and still haven't received anything. They were great to deal with until the mortgage was paid, now can't even get to anyone, had to call end and act like I wanted a new line just to speak with someone, multiple times. Most said they couldn't help then XXXX transferred me and that is what prompted the letter below, which as previously stated, they didn't even abide by the rules set forth in the letter below, referencing the RESPA. 

We received your inquiry on XX/XX/year>, regarding your loan. 
In accordance with the Real Estate Settlement Procedures Act ( RESPA ), a response will be provided within XXXX business days from the receipt of your inquiry unless we notify you of a 15 day extension prior to the expiration of that 30 day period. However, responses are generally provided in less than XXXX ( XXXX ) days from receipt of the correspondence. 
Please note that during the investigation and resolution of your inquiry, written correspondence, such as billing statements and mandatory state preforeclosure notices, may continue. 
We appreciate you bringing this matter to our attention. 
We hope this information is helpful. If we can be of further assistance with this request, you can email us at XXXX. You can also sign in to XXXX, where our automated chat is available XXXX or you can chat with a live agent during office hours. You can also contact our Customer Service Department at XXXX or via mail at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Our hours of operation are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Sincerely, Mr. Cooper