davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear XXXX XXXX I am writing to you regarding my [ credit card/account number ] XXXX XXXX XXXX XXXX with your company. I recently discovered that there is a late payment recorded on my credit report for the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ]. I am writing to request that this late payment be removed from my credit report. 

The reason for the late payment was due to unexpected financial hardship. 
I understand that maintaining a positive credit history is essential, and I have been a loyal and responsible customer with your company since XXXX XXXX. I sincerely hope you will consider removing this late payment from my credit report as a gesture of goodwill. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Today : XX/XX/2024 I attempted to paid my monthly bill at XXXX today. I called to make an automated call and noticed my balance on my account was larger than on my written statement. I sought a live customer service and inquired why the increase and was told that a Late fee was added today after XXXX!!! I was surprised and never knew this timeframe for payment ... .Never heard of such-however I was speaking to someone in California of a Pacific Time Zone not a XXXX time. I am in TEXAS CENTRAL Time zone. *Question on my statement its East Time Zone written. I am So anger and Why should I paid NOW-today with a late fee already added ... .I spoke to a Supervisor and was rudely stated that " how it is '' ... And a {$35.00} was added. I don't want to paid the Late Fee or will Close the account but why pay now-wait to next month if I do at All!! When I contact the Online Chat to complain that I have the money and just gotten home for the evening!! I received a message that I can reapply for another card from XXXX XXXX XXXX and transfer my current balance for a interest of XXXX for 15 months and if I make purchases of {$500.00}, I would get {$200.00} cash bonus!!! This is unfair practice and to keep consumer in DEBT. I never heard of this kind of practice FEES and its not a midnight cut-off. I am Protesting the Time-Zone practice and seeking advice!!! I need justice and will presume legal affairs.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

NATIONALCREDITADJUST also known as NCA is attempting to collect on a fraudulent debt that I do not owe nor authorized. I have never done business with this company and just the fact that they have access to my private and personal information without my consent is causing me great mental anquish. I have NEVER agreed to or transacted to do any business with NCA or any of its affiliates and my identity has been comprised and I will seek relief if not rectified and deleted immediately. This reporting is fraudulent and a violation of my rights under FCRA, FDCPA and my right to privacy.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX reported year after year as not my account. Removed from other XXXX bureaus. Transunion removes and reinstated over and over please investigate and remove permanently
Consumer complaint received 2023-09-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I booked a hotel through the Capital One website for XX/XX/2023, through XX/XX/2023. The reservation was at an XXXX XXXX with a fully equipped kitchen and king-size bed. When we arrived, first we were put in a room with no kitchen and two full-sized beds. Additionally, the air conditioning was not working. After talking to the manager, they moved us to another room with a kitchen. The room smelled of cigarette smoke, the bathroom exhaust fan was hanging from the ceiling, the bed sconces were falling off the wall, and the kitchen was empty ( no supplies ). I talked to the manager, but it being XXXX XXXX XXXX they had nothing else. Having no other option, we tried to stay, but the room and overall hotel were unpleasant and unsanitary. I got home immediately, called Capital One and XXXX XXXX, explained the situation, and sent pictures of the rooms and what was advertised when I booked the reservation to them. They provided a credit, and I thought we were done. On XX/XX/XXXX, they reversed the credit and sent me a letter saying they had not received any documentation from me. I called, talked to a representative, resent all the documentation, and confirmed with her it was received. She told me they were re-applying the credit. Nothing was adjusted, and when I received my next statement, I called again. I spoke with XXXX in XXXX and then supervisor XXXXXXXX XXXX XXXXXXXX. They told me they had no documentation that allot time had passed there was nothing they could do for me.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (SC)

I let the company know that Im the registered owner of the securities and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am in the process purchasing a home. My score was XXXX, I decided to pay off my smaller debts in a attempt to increase my score further. The payment to capital one was delivered late. I reached out to Capital One and notified them of what took place. They informed me that they could waive the late fee. However, I'd have to dispute the status with all 3 bureaus. I disputed the status and credit score did not go back up.
Consumer complaint received 2023-04-27
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 appreciate how quickly you took action and how successfully you got rid of some of the bad things that were previously on my credit record. I think there are still problems with my file that need to be fixed for the time being. I thus request that all erroneous information mentioned in my credit file and attachments be immediately corrected. 
XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I enrolled in Auto-Pay with Mohela before the federal pause on student loan repayments was lifted, but the auto-pay didn't work. Myself and thousands of others are now " delinquent '' on our first payment because Mohela failed to notify borrowers that the auto-pay wouldn't work until 2-3 billing cycles. Unsure if this will have an impact on credit reporting because its takes 5+ hours to speak to a representative.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-20
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. (IL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-30
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. (NY)

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Auto loan from. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off XXXX % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX  months ( XXXX  years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all XXXX major credit report agencies XXXX. XXXX. EQUIFAX. please have this account removed and updated immediately thanks
Consumer complaint received 2024-01-10
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc. (FL)

XXXX XX/XX/2023 XXXX transaction of XXXX was transferred to a XXXX XXXX XXXX, I reported to the XXXX XXXX banking about this unauthorized transferred, they asked to submit a fraud claims which I did with asked info proving that this transaction was not of my doin, all information they asked I submitted ip address, locations, login dates address of where of my location on said date of the transaction and none matches the info which there whole cases is based on.After clearing all information on the basis of why my claim was denied they keep coming up with more reasons and requests for Info upon giving alll sufficient evidence they asked for XXXX proving there cases has no valid proof.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The closed accounts on my credit report does not belong to me the addresses are not mailing addresses for me. The list of accounts that does not have up to date addresses shall be removed are, XXXX XXXXdate open XX/XX/XXXX XXXXXXXX XXXX XXXXdate open XX/XX/XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX XXXX opened - XX/XX/XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (AZ)

Self.Inc credit card took out a second line of credit without telling or notifying me. Then they had a 90 days with no payments so I didn't know anything about the hidden line of credit. I had no idea what so ever that I owed them anything or that it took out a second loan when I had money in my account. I never signed anything which makes it illegal and I want the late payments removed because I had perfect payment history until they did that in XX/XX/2022. I need my credit fixed because it isn't accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need my credit in order to be able to afford a roof over my head and if possible could you please resolve these issues for Me, Thank You. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! of the consumer to whom it relates. I NEVER gave any consumer reporting agency These accounts should not be furnished on my consumer report as they are in VIO Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report uno : following circumstances and no other : 12 in accordance with the WRITTEN INSTRUCTi WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal proterted consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I filed a complaint with Nationstar Mortgage Services back in XXXX/XXXX/2015 - case # XXXX. Nationstar sent a resolution letter saying they everything was up to date. However, they started sending demand letters again in XXXX 2015. I have sent in supporting documents & canceled checks to confirm all payments have been made up to date. We have been sending in our monthly payments on time every month. We also asked why there were XXXX late charges in XXXX month - no one at Nationstar can give us an explanation. We have called numerous times and they say - '' will research '' and get back to us. No one has called as of today. We received another demand letter today via certified mail. We are under so much stress from Nationstar & their demand letters. They seem to send these letters out every month after they receive our payment. Please Help!! Thank you so much for your time.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 

XXXX XXXX XXXX - Account was not XXXX past due date when paid XXXX XXXX XXXX - Account was paid after charge off for a sum agreed to by account holder and needs to be removed XXXX  XXXX XXXX - Account was paid in full after charge off and needs to be removed XXXX XXXXXXXX XXXX - Account was paid in full after charge off and needs to be removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Charged off. Paid a sum agreed to by account holder XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX et XXXX The FCRA mandates credit XXXX agencies to maintain accurate information in consumer reports. The following provisions support my dispute : XXXX. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
XXXX. 15 USC 16811 - XXXX to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report XXXX requests a thorough investigation into these inaccuracies. 
XXXX. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information, The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-24
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Two years ago, I created an online account with Experian through their consumer website in order to create a Credit Freeze. I now need to temporarily lift that freeze so I can qualify for a loan. 
The Experian website login page does not accept my login credentials as correct. However, the website has no way to access technical support to correct the problem, such as a chat link or email address. 
I found two separate phone numbers for Experian support, but they only have the identical automated system to get a copy of a credit report : XXXX and XXXX Neither number allows an option for speaking with a live agent. 
Without access to my existing Experian account, I can not lift my credit freeze and will not qualify for any new loans or other financial services, which is a serious impact.
Consumer complaint received 2023-09-24
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 (FL)

The card can not be used online anywhere and I need a replacement card for in store purchase and the company told me it would be XXXX XXXX XXXX  before a replacement can be sent. Today is XXXX They have {$170.00} of my money that I cant access. This is what the customer service rep told me when I called today. XX/XX/XXXX
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

To whom it may concern : I am formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. 
The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX