davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/23 my {$180.00} monthly payment to my Capital One Quicksilver account, which was the full balance, was made prior to the cutoff hour of XXXX XXXX., but somehow the payment defaulted in the system to a previously Capital One closed checking account and the payment was returned on the same date. I was notified via email on XX/XX/23 @ approximately XXXX XXXX. I immediately made the full {$180.00} payment on XX/XX/23 and called customer service, explaining the issue and spoke with agent XXXX, who advised that the payment would still post as late, and I would have to wait until it posts to challenge any fees. The payment posted on XX/XX/23, and my account was charged a {$25.00} late fee, and {$9.00} in interest charges. I called customer service on XX/XX/23 and spoke with XXXX, who confirmed that he had the authority to waive the late fee and interest charges. On XX/XX/23 the {$9.00} interest charge showed as credited back to my account, but the {$25.00} late fee was not. I called on XX/XX/23 and spoke with XXXX, who said the {$25.00} late fee would show waived by XX/XX/23. On XX/XX/23 it was still not credited, so I called and spoke with XXXX XXXX ( or XXXX XXXX who said the late fee had not been waived, as it was ineligible for waiver, and she did not know why. On XX/XX/23 my next on time full balance payment of {$980.00} due on XX/XX/23 was posted. On XX/XX/23, my {$0.00} balance account was charged another interest of {$13.00} ; which they took out of my cash rewards. My call on XX/XX/23 to XXXX. XXXX XXXX, resulted in her saying she could not waive the charge, and that my account would continue to be charged interest for two more billing cycles of payments, even though there are no charges, and no balance due. This is the second time in the four years of having this account, that this default has occurred, last occurrence was in XXXX, but was corrected by the bank, but now they are refusing. This is an unacceptable, unscrupulous and seemingly illegal practice ; one that I have never before encountered in my excellent long and varied credit card experience. I am asking that the bank address this issue and be held responsible for its own error, and that my {$25.00} late fee, as well as the interest charge of {$13.00} on XX/XX/23 be credited to my account which is the only fair thing to do, as the payment posting late was not due to any fault of mine.
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I took out a private student loan from XXXX XXXX XXXX in XXXX for {$10000.00}. I started making payments on XXXX/XXXX/XXXX 6 months after my graduation date. Since then I 've made at least 60 payments over the minimum payment, in addition to paying the minimum payments. As of now I 've paid {$8100.00}, {$5000.00} toward the principle and {$3000.00} toward interest. That would mean that around 62 % is going to toward principle while about 38 % is going toward interest. My interest is variable, has hovered around 5 % since getting the loan and changes nearly monthly. The amount that goes toward interest vs. the amount going toward principal seem to fluctuate monthly as well. One month 26 % of the installment will go toward interest and the next it will be different. I believe I 've paid approximately {$2800.00} over the minimum payments. It appears that those overpayments are not being applied to the principle of the loan. Moreover, the documentation of the loan declares my original amount borrowed as {$10000.00}. My installment amount seems to change every month even though I 'm on a steady repayment system.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (GA)

I signed up with Grain Technology in XXXX in hopes of building my credit and it has been a never ending nightmare with them. 

Initially my account went into delinquent status. The company only enables you to make a payment through a connect bank account. My bank account was disconnected and I was unable to make my on-time payments. This was the first issue that caused a snowball effect. I was never informed that my bank account was disconnected or why I could not reconnect it. When calling customer service they reroute you to contact support via email. When I send in a email with screenshots of my account and technical issues that prevents me from connecting my bank account, customer supports takes over 3-5 days to respond. 

The weeks were spent sending emails every other 4-5 days, and each time the company responds with one question with no resolution or attempts to rectify the situation. 

After weeks of fighting with customer support I receive an email to settle my account. I take this opportunity to make a one-time payment in attempts to settle my debts with this company. After not seeing the accurate amount being reported and the account closed, I continue to email support. Once again, I was caught with customer support debating a balance on my account which I had already settled ( email screenshots are located below ). Till this day they refuse to update my account accurately to reflect the payment despite the screenshots of payments and the credit bureaus reports. They have told me numerous of times that my account is being escalated and the bureau will update next month. I have been waiting over 4 months. This account is taking a major toll on my credit and I have made all necessary attempts to resolve this account. I have sent in screenshots of my payments, technical issues, credit bureaus reports and still have no resolution. The emails goes on and on and on as if the company is attempting to delay time. In their emails they also indicate apologies due to the delays in response. 

Selecting Grain Technology was the worst decision I ever made concerning a credit building or credit card company.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not my address. I 've never lived in XXXX. 

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX. I 've lived at this address for 10 yrs. please remove the XXXX address from my credit report. Thank you.
Consumer complaint received 2017-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I 've been disputing a corporate account from my personal profile and XXXX not only did n't resolve it they also refusing to dispute it again although they 've been notified that it 's a corporate account and should not be on my report
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IL)

This communication is in reference to my LexisNexis Consumer Disclosure Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. 

The items in dispute are the inaccurate Phone Records that LexisNexis is reporting on my LexisNexis Consumer Disclosure Report. 

This is my seventh notice to LexisNexis regarding the inaccurate Phone Records that is being reported on my LexisNexis Consumer Disclosure Report. This information is inaccurate because I have NEVER had the phone number that LexisNexis is reporting and I have NEVER been associated with the phone number that LexisNexis is reporting. Additionally, LexisNexis has previously reinvestigated these incorrect phone numbers and determined them to be UNVERIFIABLE. 

Since the incorrect phone numbers have been previously reinvestigated by LexisNexis and were determined to be UNVERIFIABLE, there is no need to initiate a reinvestigation. Based upon LexisNexis ' previous reinvestigation, I kindly request that this incorrect phone number be promptly and permanently removed from my LexisNexis Consumer Report.
Consumer complaint received 2023-03-08
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-07
Product: Credit reporting, credit repair services, 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. (TX)

A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with TransUnion, XXXX and XXXX credit bureaus. Over the last week XX/XX/17-XX/XX/17 it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( TransUnion, XXXX or XXXX  ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-05-17
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX charge by XXXX XXXX of {$5000.00} for a booking XXXX charge by Chase Card for {$85.00} annual membership fee Statement of XX/XX/XXXX DUE on XXXX for {$5000.00} XXXX refunded on XX/XX/XXXX in full! Payment was due on XXXX, refund came on XXXX Chase charging {$58.00} in interest for the annual membership that was not paid yet. 

How is Chase allowed to charge an almost 100 % interest charge on their annual membership.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Subject : Method of Verification Request for Disputed Account Dear Sir/Madam, I am writing to dispute the accuracy and validity of an account listed on my credit report. According to my records, the account in question does not belong to me, and I am requesting that you verify its accuracy as mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 

Account Information : Creditor Name XXXX XXXX XXXX  Account Number : XXXX I am well aware of my rights under the FCRA, which requires credit bureaus to investigate and verify the accuracy of disputed information within a reasonable timeframe. As such, I am formally exercising my rights and requesting that you provide me with complete and thorough documentation that supports the validity of this account. 

To ensure a fair and comprehensive investigation, I kindly request that you provide the following information : Verification of the Creditor : Please provide documentation proving that the alleged creditor, as listed on my credit report, is legitimate and that a valid contractual relationship existed between myself and the creditor. 
Verification of Account Ownership : Please furnish documented proof establishing my ownership and responsibility for this account, including any signed agreements or contracts bearing my signature. 
Itemized Account Statements : I request copies of all account statements, including the original and subsequent statements, indicating the transaction history, balances, payments, fees, and any other relevant information pertaining to this account. 
Chain of Custody : Please provide a complete record of the account 's ownership and any transfers or assignments of the debt. This should include any supporting documentation demonstrating how the alleged creditor obtained the account information. 

I understand that under the FCRA, the credit bureau has a legal obligation to investigate my dispute within 30 days of receiving my request. Additionally, I kindly request that you inform the original creditor of my dispute and provide them with a copy of this letter, as required by FCRA Section 611 ( a ) ( 2 ) ( A ). Please be advised that any failure to comply with my request and obligations under the FCRA may result in legal action to protect my rights.

I have enclosed copies of relevant documents supporting my identity, including a copy of my driver 's license and a recent utility bill, to confirm my identity and ensure accurate processing of this dispute. Thank you for your prompt attention to this matter. I expect a thorough investigation and a timely response within the required timeframe. Please send all correspondence regarding this dispute to the address listed above. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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. (FL)

I have filed an identity theft report with the FTC and have disputed this account with the credit bureaus to no avail. The following account does not belong to me, maybe they are confusing my name with somebody else. Please alert the credit bureaus to remove this from my credit : XXXX XXXX XXXX {$25.00} opened XX/XX/2012
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I attempted to open several checking accounts XX/XX/23 being denied for every major bank in the city of XXXX, I was finally provided with a letter from XXXXXXXX XXXX informing me. Their decision was made because of a report from early warning signs I replied, I recently filed a XXXX XXXX XXXX so I shouldnt old or have any balance is due to any other banks, I contacted early warning signs. They informed me the account that they are showing reporting, which is prohibiting me from opening. A new XXXX account is from a Bank of America account, which was included in my XXXX  I reached out to the bank directly to try to obtain some information. The representative I spoke with was extremely rude. He told me that they had marked my account as fraud and thats why I will not be able to open a new account. I asked him several times what was fraud, or what fraudulent activity took place on my account he would not inform me, he said they dont have to tell me anything. Im lucky he told me the information that he did. Before my account was close, I attempted to deposit a XXXX from another XXXX  account from a different institution. The check was declined, the funds were never deposited into my account, this would be the only thing that I can think of them reporting is fraud, which, honestly its not fraud at all. The funds were just not available by time they attempted to process the check due to automatic withdrawals. I would like for them to remove the fraud label from early warning signs because its not fair to me. It wasnt fair for them to put it and its not fair for me to be penalized for something that is not accurate. I feel that Bank of America is very discriminatory towards people of XXXX  When I open the account I had to jump through hoops, hoops, hoops, in order to open the account now theyre making it difficult for me to open account at any XXXX institution.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to XXXX  ( XXXX ), XXXX ( XXXX ), and Equifax ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, 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. (TX)

Someone has stolen my information and is using it fraudulently to open accounts, apply for credit, and set up a fake business account invoicing customers and setting up fake charges.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid 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 (FL)

Capital one XXXX and XXXX card numbers ending.I ask for confirmation of debt on these XXXX cards. I got XXXX statements. When I called I asked for confirmation of debt. The physical wet signatures. I called and was told these accounts were verified. I asked for the name of the person, address, phone number and title. They could not tell me. I confirmed this company has incompetent employees XXXX XXXX. The fines will be {>= $1,000,000} for closing XXXX accounts without my permission {$20000.00} for not accepting XXXX negotiable instruments, total {>= $1,000,000} paid to XXXX XXXX authorized agent. I am not a XXXXXXXX XXXX XXXX XXXXXXXX  dictionary meaning incompetent XXXX. I am a XXXX XXXX XXXX I am willing to go for arbitration to see the book keeping entries entered in the book.
Consumer complaint received 2017-09-08
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)

I contacted the credit bureau and XXXX XXXX XXXX regarding an error or my credit report. I received a notice from the credit union. The entry on my account reports as a charge off. This is incorrect and there was no balance. I request this entry is deleted entirely from my credit report.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX WY XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXXXXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX INFORMATIVE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX