davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2024, I applied and was approved for the Capital One Venture X card and with that include Priority Pass membership. I am traveling soon and got the card with the expectation I would receive the Priority Pass membership. As soon as I got the card, I attempted to sign up for Priority Pass and received an error message that my card number could not be found and wait a few days. I waited until I received a direct link from Capital One on XX/XX/2024 to sign up for Priority Pass. Again, I received the same error message and it said to wait until XXXX weeks to contact customer service. I waited until two weeks which is today XX/XX/2024. I contacted both Capital One and Priority Pass customer service and they both said that there is no time frame on when this issue will be solved, and I may have to wait awhile. Of course, this is extremely upsetting as I purposely got this card as one of the main reasons being that I would have Priority Pass membership. If credit cardholders are unable to enroll, it should not be advertised as a perk. I also should be able to maybe cancel this card and obtain a card with another company. That is why I am escalating this issue to the XXXX.
Consumer complaint received 2023-09-05
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX XXXX 
Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 5. The inquiry was not authorized XXXX XXXXXXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 7. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven 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. 
Also, they arent even in compliance with metro XXXX credit reporting. I have evidence to prove my case PLEASE UPDATE MY ACCOUNTS TO PAID ON TIME & REMOVE ALL NEGATIVE ACCOUNTS
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Our mortgage was recently purchased by Nationstar Mortgage Company. We keep scheduling our payments online via their website well within the payment period but continue getting phone calls on our home and cell phones advising that our mortgage payment is late. This happens every month and have asked that they check their records prior to calling and disturbing us. We have asked numerous times but they continue to call day and night. No matter who we speak with they will not stop calling and harassing us.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I am writing to formally dispute the handling of my credit report in relation to XXXX XXXX XXXX XXXX. On XX/XX/2024, ( Exhibit A ) I submitted a dispute to your agency, expressing concerns about the accuracy of information associated with this account. It has come to my attention that, despite my dispute, Experian has failed in numerous instances to take appropriate steps to ensure the maximum possible accuracy of the information in question. On XX/XX/2024, ( Exhibit B ) I received a notification from Experian indicating that the account had been updated. However, to my dismay, the update did not reflect the proper notation of the disputed status, as outlined in the Fair Credit Reporting Act ( FCRA ). According to the FCRA, Experian is required to notate a disputed account during the investigation process or, upon completion, provide a clear indication of the resolution in the comments section of my consumer report ( Exhibit C ) which they did not. Unfortunately, it appears that Experian has not followed the proper procedures, and I am concerned that this failure may be in violation of 15 USC 1692e ( 8 ). I am attaching proof to support my dispute complaint, including documentation of the initial dispute filed on XX/XX/2024, and subsequent correspondence from Experian indicating an update to the account, also proof of my Experian report that show the comment section has no comment it's blank like there wasn't even a dispute being reinvestigated or made. This evidence clearly demonstrates that the necessary steps were not taken to accurately notate the disputed status of the account, as required by law.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name 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 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I received a credit alert stating my account is 30 days past due and now delinquent. As per XXXX payment was not received for XX/XX/22, which I have 10 days before I am charge a late fee and 29 days before it is delinquent. As per XXXX payment for XX/XX/22 was 30 days past due, However payment was received on time. For the past 2-3 years payments towards my Nissan Motor car loan was paid before the 30 day past due mark.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (TX)

My name 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 2022-10-20
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX Opened XX/XX/2015 Stating two 30-day late payments It is in violation due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15 U.S.C 1666B ] A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
Consumer complaint received 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY (ID)

On XX/XX/2023, Wells Fargo used excess XXXX funds to pay off mortgage without notice and without permission ( complaint already filed : XXXX ). 

On XX/XX/XXXX, I received an email from Wells Fargo indicating that my " new escrow review statement is available online ''. Upon review of the Final Escrow Statement, I discovered an accounting discrepancy between that statement and that of the XX/XX/ ( regular mortgage payment ) disbursements of funds : The mortgage payment detail claims {$420.00} was collected and added to the Escrow account ; however, the Final Escrow Statement indicates that only {$400.00} was collected and added to the Escrow account in XX/XX/, leaving an excess of {$63.00} to be refunded. No explanation of this discrepancy has been provided by Wells Fargo. There also is no detailed accounting for the disbursement of funds from the XXXX account on XX/XX/, which were used to make the final mortgage payment.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opted out of XXXX XXXX  products and services XX/XX/2022 and yet they are still reporting false information. Then throwing the buck on Bank of America. BOFA claims they did not report such incidents to them now having verified through a previous banking transaction it has been confirmed that they are still reporting false information. When speaking to them them about it I was laughed at and denied a higher tier request. You guys have peoples lives in your hands its not funny at and should be handled accordingly.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2023-09-05
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. (GA)

*Identify Theft Report Attached* Listed in the attached report and below are fraudulent accounts that were opened fraudulently without my consent it is against consumer law to report fraudulent accounts Equifax fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I had around {$30000.00} in student loans remaining at Navient after paying them down for about ten years. I refinanced with XXXX and XXXX remitted {$27000.00} payment to Navient on XX/XX/2018. That ended up being an overpayment of {$1400.00}, and both XXXX and Navient told me that Navient would write a check back to XXXX for {$1400.00} and they would apply it to the principal balance.

According to my Navient statement, they acknowledged the {$1400.00} overpayment on XX/XX/XXXX. After almost three weeks when {$1400.00} had not yet been credited to my XXXX account, I called XXXX and they said they had not received any check from Navient reimbursing the overpayment. I then called Navient and asked them to confirm details of the payment. They told me they " batched '' a check to XXXX on XX/XX/XXXX, but they claimed they could not provide me the check number or confirm whether or not the check was negotiated, and that it takes " up to a month '' for a check repaying an overpayment to be reflected in the new loan account.

On XX/XX/XXXX, a month after Navient supposedly sent a check to XXXX,XX/XX/XXXX XXXX had still not received a check ( I confirmed this through my online account and a call to XXXX ) so I called Navient back and the customer service agent confirmed that there was an overpayment in the amount of {$1400.00} and claimed that Navient had sent a check on XX/XX/18 to XXXX. I said checks don't take a month to go to another state, and she said that it could take six to eight weeks. I asked for a check number, whether it had been negotiated, and copies of the check, and she claimed it was impossible. After the call, I faxed them a letter demanding they process the overpayment and provide me evidence that they actually issued the check. They did not respond to that at all.

On XX/XX/XXXX, I called again and went through the same explanation and the Navient customer service agent gave me the same story that the " check is in the mail. '' I asked her to elevate this to another level of customer service to produce a check number and check images so I could track it and see if it was cashed, and she said she escalated it and that I would receive copies of the check " by XX/XX/XXXX at the latest. '' Today is XX/XX/XXXX and XXXX has still not received a check from Navient and Navient failed to produce the check number or check copies that they promised.

It is apparent that they never sent the check for the {$1400.00} overpayment, and that they have just been holding {$1400.00} to which they are not entitled.
Consumer complaint received 2018-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (WA)

WayPoint Resource Group ( WRG ) has placed a collections account on all three of my credit reports, XXXX, XXXX and XXXX. I have never received a letter from WRG concerning this alleged debt via US Postal mail which is required by law. WRG stated in the collections entries that this debt is from XXXX. I am a current XXXX customer and I only recently started my service with XXXX at the beginning of XXXX. Before my current XXXX Subscription, the last time I was a XXXX customer was in XXXX. I did not have service with XXXX in XXXX  as WRG has stated in my credit reports. At the end of that service in XXXX, all my services were paid for and XXXX has never contacted to the contrary. If I owed XXXX for rendered services, they could have notified me when I regained service at the beginning of XXXX.

WRG has essentially submitted a fraudulent entry on all three of my credit reports concerning the validity of the debt. First, WRG did not correctly notify me before placing the entry on my credit report. Second, WRG notated that this debt was reported to me in XXXX. Again, I was not a XXXXXX/XX/XXXX customer in XXXX. This information is false and incorrect.
Consumer complaint received 2024-03-10
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: Experian Information Solutions Inc. (NY)

Timely payments on this account have always been my priority, ensuring they never fall overdue. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the fair credict reporting ( account name XXXX XXXX XXXX XXXX  account number # XXXX ), ( account name XXXX XXXX XXXX account # XXXX ), ( account name XXXX XXXX  account # XXXX ), and ( account name XXXX XXXX account # XXXX ) has violated my rights. 


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 accout without my written instructions
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (CA)

I have recently noticed I have been a victim of identity theft, someone has stolen my information and has used it unlawfully without my permission and knowledge. The following is my official statement. On XX/XX/XXXX My information was used to open an account with XXXX I have not authorized this account nor did I know about this account. This account and two other opened on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX are also results of my identity being stolen. These accounts where opened by the thief and used by the thief leaving me with the burden of paying them back however these are opened due to identity theft.
Consumer complaint received 2022-10-20
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-20
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score  over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.