davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (TN)

While going through a divorce in XXXX my ex-husband and I were told by the judge to separate our combine debts and pay the debts off. There was a debt from XXXX XXXX 's XXXX XXXX XXXX XXXX that my ex-husband advised he would pay in the amount of {$760.00}. Therefore, my ex-husband advised he settled the debt with a company called XXXX XXXX XXXX. at XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ). In XXXX of XXXX I started receiving harassing phone calls from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) stating this is an attempt to collect a debt for XXXX XXXX  in the amount of {$760.00}. XXXX XXXX filed bankruptcy years ago. After several harassing calls I decided to settle the debt for a lesser amount of {$370.00} on XXXX with XXXX XXXX XXXX ' agent XXXX XXXX, who I gave information to my bank account to make a one-time ACH. On XX/XX/XXXX, at XXXX, I received a call from an agent name XXXX XXXX this is an attempt to collect a debt for Zions Debt Holdings LLC XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) for XXXX XXXX. I advised XXXX XXXX that I settle this debt for a lesser amount with XXXX XXXX XXXX XXXX. I advised XXXX XXXX that I could provide a confirmation number. XXXX XXXX advised that anyone could give numbers, which I felt was unethical considering that XXXX XXXX XXXX provided the confirmation number after the ACH. This debt is being reported incorrectly ; therefore, I contacted all three credit consumers to dispute the account because it's been paid twice.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

American Express bill payment due dates regularly fall on saturday or sunday Online major consumer bank does not issue payments on weekends - weekend dates are greyed out for setting payments, no consumer option to set weekend bill payment date. 
Payments submitted via online consumer bank are issue to American Express the 1st business day following weekend. 
American Express considers these late and charges fees Most recently American express payment dues date Saturday XX/XX/2021 Online payment via consumer bank made to American Express Monday XX/XX/XXXX Card XXXX - {$2.00} interest, {$35.00} late fee Card XXXX - {$29.00} late fee American Express requires their own direct pay system to be used. 
Consumers are being penalized for online banking no-weekend bill pay rules and American Express unreasonable demand bill payments on non-business days
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
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. (GA)

I am not a robot nor am I a 3rd party, however I am a 3rd year XXXX XXXX  and I have put in a lot of time to study consumer law, and I know my rights have been violated. 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency CAN NOT furnish any account without my WRITTEN consent. FEDERAL LAW overrides ANY company policy. XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Remove any variation of my name that is not XXXX XXXX
Consumer complaint received 2024-03-17
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. (FL)

XXXX, Equifax, XXXX Last 4 sociaXXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/20 XX/XX/20 XX/XX/20 and accordance with the fair credit act loan company XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes. Best Regards, XXXX XXXX You have inaccuracies on my credit reports I was never 120-149 days past due thats WRONG and milacious information you are trying to mess up my credit this is fraud
Consumer complaint received 2023-05-24
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 called to the credit reporting agency and let them know that XXXX XXXX XXXX account shouldn't be in credit report. I never gave them any written consent to report them.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

Since XX/XX/year> I have not been able to login to membership account with Experian. My information suddenly does Not match in their system. The system does not recognize my phone number. 
I tried calling multiple times different departments its all automated and disconnects the call. I have no option to speak to anyone. I can not do anything online, phone or by mail.im in soecial handling dept for years. Im being denied my legal rights. No access to my file. I need to dispute inaccurate information.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

Macys did XXXX hard inquiries on my credit without my approval. They have admitted they did it in error. I have asked them to remove them but they are giving me the run around. They are horrible to deal with. All calls go to the XXXX and it goes nowhere. 

Inquiry XXXX was made on XX/XX/23 Inquiry XXXX was made on XX/XX/23
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding the handling of my recent credit card application. I believe that my experience exemplifies a concerning issue with their application process, which has resulted in significant frustration and negative consequences for my financial standing. 

Case Details : Applicant Name : XXXX XXXX Case Number : XXXX Capital One Representative : XXXX XXXX Background : On XXXX XXXX, I submitted an application for a Capital One credit card, providing all necessary documents, including my driver 's license. I had to fax multiple times. However, I was informed by XXXX that my license documents could not be successfully scanned at the DMV website, despite multiple fax submissions. This experience has been extremely disappointing and has left me deeply dissatisfied with Capital One 's procedures and customer service. 

Issues : Inadequate Document Processing : The inability of Capital One 's system to accurately scan and process license documents is a significant flaw in their application process. This has led to unnecessary delays, additional burdens on applicants, and potential negative consequences, such as expiring credit pulls. 

Lack of Alternative Document Options : When I suggested providing alternative identification documents, such as a green card, I was met with a lack of viable options and solutions. This limited approach demonstrates a lack of flexibility and a failure to address diverse customer circumstances. 

Absence of Secure Document Submission Methods : It is concerning that Capital One, as a prominent financial institution in 2023, continues to rely heavily on fax submissions. The absence of secure document upload or email options not only raises privacy concerns but also contributes to inefficient communication and prolonged application processing times. 

Resolution Requested : Prompt Application Review : I urge the Consumer Financial Protection Bureau to ensure that my application is reviewed promptly and fairly, without undue delays or bias. 

System Improvements : Capital One should invest in enhancing their application process to address the issues I have raised. This includes implementing reliable document scanning technology, exploring alternative document options, and establishing secure digital submission methods to ensure efficiency, customer convenience, and data security. 

Fair Treatment : I request that Capital One treat all applicants consistently and ensure that credit pulls are not negatively impacted due to deficiencies in their application process. Rejection or negative outcomes should not be solely attributed to applicants when flaws in the system exist.
Consumer complaint received 2023-01-30
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. (MA)

Dear credit reporting Equifax, I've attached the documents for review these XXXX accounts were opened in my name fraudulently by someone else. Please remove or block it from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/2017 And XXXX opened on XX/XX/2017.
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. ()

I applied for the IDR save plan and recieved an email that it was approved in XX/XX/XXXX. I did not receive any communication at all until XX/XX/XXXX stating I had missed payments to the new loan servicer. I have never been late or missed payments in over 20 years of these loans. 

Neither the Feds, nor the new company reached out to me in over five months. I believe this was done intentionally to postpone loan forgiveness. Even if it wasn't, this is outrageous and I should not be held responsible or penalized for such negligence. The new loan servicer is Advantage.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

As much as I want to understand that there may be a surge of people reaching out to you about their credit report, I still don't get why my complaint has not progressed or given any possible outcome about this matter. I am extremely disappointed because the accounts I asked of you to remove is still reflecting on my file and is negatively affecting me and my future.
Consumer complaint received 2022-12-05
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. (TX)

FCRA Violation : hard enquires not mine 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 XXXXXXXX XXXX
Consumer complaint received 2017-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

Acct #  XXXX  Due {$26.00}, #   XXXX   Due {$570.00} This is regarding account #  XXXX  for {$26.00}, #   XXXX   for {$570.00}, which you claim I am delinquent {$26.00}, and {$570.00} which is ABSOLUTELY INCORRECT. These accounts are not mine. This is a formal notice that your claim is disputed.
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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. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
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Be aware that I am making a final goodwill attempt to have you clear up this matter
Consumer complaint received 2022-12-05
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. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid in settlement. XXXX  written off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid in settlement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid in settlement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX  On record until XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (OH)

I checked my credit report last week and noticed multiple billing errors that fall under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I am very aware of my rights as a consumer and find this very frustrating that I have to go through this problem when I have done no wrong on my end. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. Or removed from my credit profile.

1. This account is invalidated/ inaccurate XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

This is aggravated identity theft
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (MO)

First time was XX/XX/XXXX The male debt collector was very rude and verbally abusive used profanity and other words and made me cry and said it was his job to make me cry instead of trying to work with me and figure this situation out so I told him he could consider it paid. Then I heard back from them Monday, XXXX XXXX this is to different people. They were nice with me and we made a plan. However, they wanted me to contact loan companies to get a loan for {$4000.00} I didnt know how I was supposed to get them denial letters. She didnt want to give me an email address. I was given until this Friday which would be XX/XX/XXXX, so I called back today which is Wednesday, XX/XX/XXXX. I didnt get to speak with the person in charge of my account she didnt transfer me I dont know what happened anyway this lady was really rude started going off on me telling me what was happening with the debtor. The person who sent the debt talking over me telling me I have a house how do you have that youre on a fixed income, I feel like she was coming at me and not giving me a chance to give my side and explain my situation. Ive already explain my situation three other times, but I called them to find out. How do I send denial letters I was given an email I had to repeat myself multiple times. I finally just hung up because she wouldnt stop speaking over me and yelling at me, the original debt was XXXX and now its {$4000.00} I need help thank you
Consumer complaint received 2023-05-24
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: TD BANK US HOLDING COMPANY (NJ)

I have a home equity line of credit at TD Bank, account number XXXX. 

The account has been paid monthly by me for the past XXXX years timely paid. 

The XX/XX/2022, payment was made by me on XX/XX/2022. It was made by me as a direct online transfer from my TD checking account to my aforesaid TD credit line account. By the express language of the online payment confirmation this payment was Immediate- effective immediately. I have attached a copy of both the Transfer History, Exhibit A, and the Transfer Detail Exhibit B, both for this payment, and both of which are TD generated, which show : Transfer History ( Exhibit A ) shows 1 ) Payment into my account credit line XXXX 2 ) XX/XX/2022 Payment amount {$350.00} ( only {$330.00} was due ) 3 ) Payment Date XX/XX/2022 And Transfer Detail which has 1 ) The bank confirmation number for the transaction XXXX 2 ) The transfer being from my TD Simple Checking XXXX to my credit line XXXX 3 ) The Amount {$350.00} XXXX ) the Type of Transfer-immediate and 5 ) the Transfer Date of the immediate transfer- XX/XX/2022 As the payment was due on XX/XX/2022, and as it was made, effective immediately, on XX/XX/2022, it was paid on the XXXX day and thus was not more than 30 days past due. This should not have been reported to the credit bureaus by TD bank and when the credit bureaus received my dispute and reviewed it, all three of them should have removed this reporting error immediately.
Consumer complaint received 2017-07-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TX)

THE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , AS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   AS TRUSTEE, FOR THE CERTIFICATEHOLDERS,   XXXX   XXXX  , MORTGAGE PASS- TROUGH CERTIFICATES SERIES Mortgage on  XXXX / XXXX 2007 with a loan amount of   XXXX   for 360 months at 7.250 % interest rate.
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Grievance Notice under Clause 20 of the Deed of Trust/Mortgage & 12 C.F.R. 1024.35 Loan ending in  XXXX  I am writing to report my grievances regarding the mortgage transaction involving my property.
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The grievances are as follows ; 1. Deed of Trust may be void, or avoidable in bankruptcy.
2. Fraud in creation of stated income, unconscionable debt ratio and inability to repay.
3. ECOA violation failure to take written application.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC. (HI)

I was not aware of this charge until I opened my credit report to check for something else not related. I have no knowledge of this card being open in XX/XX/2020 from XXXX XXXX XXXX for the amount of {$640.00} I have disputed this charge.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My student loan was recently transferred in XXXX. The new loan company has reported the information more than XXXX time as more than XXXX account when in actuality it is only supposed to be XXXX account. It only has XXXX account number on all XXXX accounts being reported. I had disputed this with XXXX and transunion and both came back as verified accurate. When I called the loan company they told me that it will go back to what it was before eventually, not even given a date and said there was nothing else they can do and I also have the option to consolidate it to join them together. I shouldn't need to consolidate a loan that is only XXXX account to begin with. Both bureaus and company refuse to delete off my report