davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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. (NY)

I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and Experian and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2023-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One has been reporting late payments to XXXX and XXXX XXXX reporting agencies, since XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For the amount of {$450.00}. I call Capital One I was not able to speak with someone in the dispute department. No assistance was rendered. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 168a section 604 a section 2 it also states a consumer reporting agency can not furnish an account without written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

A few months ago I had fraud on my American Eagle credit card. Shortly after I was no longer able to see my account online. I attempted to resolve this with customer service but they did not help me. My most recent chat XXXX did not assist me either. I have not seen my account for months and I'm not getting statements either. I have attempted multiple browsers and a mobile device to no avail.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 adverse item of information, other than records of convictions of crimes which 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.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally register a complaint against your organization for the persistent inaccuracies related to a late open account on my credit report. Despite my ongoing efforts to rectify this issue, this error remains, adversely affecting my financial reputation and creditworthiness. 

I have previously contacted your agency on multiple occasions regarding the erroneous reporting of this late open account. I have provided extensive evidence and documentation supporting my claim that this account was inaccurately reported as late. However, these efforts to correct this mistake have been met with repeated failure on your part. 

It is crucial to emphasize that the accuracy of the information contained in credit reports is paramount, as it significantly impacts individuals ' access to credit, loans, and financial opportunities. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies like yours conduct thorough investigations and make corrections when inaccuracies are identified. 

Despite my previous communications and the evidence I have provided, I continue to face the following adverse consequences due to the inaccurate late open account on my credit report : XXXX obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Harm to my creditworthiness and financial reputation. 
I hereby formally request that you take immediate and effective action to investigate the late open account on my credit report and correct this inaccuracy. If you find that the account was indeed inaccurately reported as late, I insist on the following actions : Correction of my credit report to reflect the accurate account status and history. 
Removal of any derogatory information associated with this account. 
Provide written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including proof of the account 's accurate status and any correspondence related to this matter. I trust that this information will facilitate your investigation and the swift resolution of this issue. Please help me correct this late open account : XXXX XXXX XXXX  XXXX Balance : {$30000.00}.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
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. (KS)

I did not consent to third party agencies to use report. I also don't recognize any of these reports from : XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (FL)

XX/XX/XXXX I spoke with the manager she told me I had to make a payment by XX/XX/XXXX to keep my account from getting charged off at least {$40.00} so I made a {$40.00} payment on XX/XX/XXXX, my husband passed away XX/XX/XXXX, so I was kind of late because life circumstances I want to make a payment and XXXX and they told me my account was charged off. My account was charged off illegally I was not 120 days past due. They reported it wrong on my credit report and I have proof.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I also respectfully request the Capital one provide specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time of is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws
Consumer complaint received 2022-12-13
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. (NY)

I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX has refused to properly update my student loan balance on my credit report for four months now, and they flat out refuse to help when I call them. Once again, my credit reports are incorrect, and the only way to attempt to fix them is to waste my time filing a dispute with the credit agencies. 

It is impossible to get a hold of a representative at XXXX who can actually do anything to help. It is near impossible to get a hold of any representative at all. They will claim that they are busier than usual, and they are sorry for the inconvenience, but they know darn well that they refuse to hire enough people to handle the job, and train them well enough to do actually do anything remotely helpful. They have no problem wrecking people 's credit scores, as there is no consequences for their actions. This is a scam, and XXXX does not deserve to stay in business.
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BMO Bank, N.A. (GA)

I hope this letter finds you well. I am writing in response to your communication dated XX/XX/2023 in reference to my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023. I appreciate your prompt attention to this matter and the thorough review conducted by BMO Bank N.A. 

Acknowledgment of BMO 's Response : I acknowledge the details provided in your response regarding my request for a refund of {$170.00} and BMO 's assertion that a check was issued to me on XX/XX/2023. I appreciate the effort made to investigate the matter. 

Dispute Regarding Check Status : While I understand BMO 's position, I must reiterate that I have not received the check in question. Despite your confirmation of its issuance, I remain unaware of its status and, to my knowledge, it has not been delivered. I kindly request further clarification or documentation to substantiate the issuance and delivery of the check. 

Concerns about Affidavit and Compensation : In response to BMO 's mention of the Lost Affidavit Indemnity Form, I must express my inability to sign the affidavit due to the lack of information about the check 's status. Signing such a document without adequate knowledge poses a legal and ethical challenge. 

I must respectfully dispute the denial of my request for a {$200.00} compensation. The circumstances surrounding the lost check are unique to my situation, and I believe a fair resolution should be considered to address the inconvenience caused. 

Legal Considerations : Regarding the legal aspects of this matter, I would appreciate your clarification on whether it is within legal bounds for a credit card company to withhold a customer 's funds. Additionally, could you please provide information on the legal requirements for a credit card company to return money to its customer in a situation where a check has been issued but not received? 

Request for Thorough Investigation : I kindly request a thorough investigation into the issuance and delivery process of the check in question. Additionally, I urge BMO to provide any documentation or evidence that supports the claim of the check being sent to me. 

Conclusion : In conclusion, I appreciate your attention to this matter and request a prompt resolution. I am open to further communication and clarification to resolve this matter amicably. However, if a satisfactory resolution can not be reached, I may have no choice but to explore other avenues to protect my rights. 

Thank you for your understanding, and I look forward to your prompt response.
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MI)

Have called customer service multiple times. 

Payments not showing up on Aidvantage website and not credited to my loan balance. Still accruing interest and fees. 

XXXX payments XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$4100.00}
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

SEE ATTACHMENTS. I WOULD LIKE TO KNOW WHY YOU KEEP PUTTING THE WRONG DATES ON MY CREDIT FOR THIS ACCOUNT! ENOUGH IS ENOUGH, TIME FOR YOU TO REMOVE THIS ACCOUNT.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing with the bureaus since XX/XX/2020, two accounts that I believe to be inaccurate. I included my reasoning in the dispute letters as well as all of my identification documents that the bureaus require. I never received any notices or anything that these accounts were being investigated. Because this went on for over a month, I sent another letter to the bureaus on XX/XX/2020. I still haven't received anything through the mail, email, nothing! Not even acknowledgment that my disputes were received, let alone being investigated!
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Consumer complaint received 2021-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (GA)

I called to settle debt in XX/XX/2021 with Professional Debt Mediation and came up with a total everyone ( original creditor ) agreed on. I told the representative there were 2 accounts from PDM, he told me it SHOULD only be 1. When paying off debt, I informed the rep I needed to break up payment due to daily card limit after our declined attempt to pay by phone. He stated I had to pay {$1000.00} for XXXX XXXX XXXX, then could break up and pay the remaining. I specifically asked " once I make this payment, that's it? It'll come off my report? '' He reassured me it would. I then paid online the same day making sure my 1st payment was over {$1000.00}, paying the remaining the following day as my card allowed. PDM removed the 1 account this representative claimed to be as the only, but now claiming I did have 2 accounts and still owe for something I was told I already was paying for. I explained to one rep and a manager that I was told I had 1 account that included what they're saying I owe and they completely dismissed it and stated I shouldn't have been able to pay the account I did pay, without paying sure deposit 1st. I completely agreed and asked " if that's the case and your reps know the procedure, even telling me before paying, how was I able to pay in the 1st place if sure deposit wasn't included like the 1st rep told me? '' They said they don't know and continued to argue if I would have paid it, it would have shown that there was a payment on the 2nd account. However, the whole thing about this incident is that I was made to believe there was ONLY 1 ACCOUNT! Why am I still in debt for something your representative proclaimed I was paying? I asked the manger for the recording from that day, which another representative told me I could request, but the manager stated they don't give recordings to consumers. It seems like every rep there has there own rules and act as if we owe them directly, not to mention RUDE! I contacted the original creditor and they reassured me I have a {$0.00} balance with them, so who exactly do I owe?
Consumer complaint received 2023-09-29
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc. (SC)

I purchased two kids bedroom sets on XX/XX/2021. Each set included several pieces that were discussed prior to the financing. After pickup of the bedroom sets I became aware that I did not get all the pieces in either set. I have attempted to get the store I purchased them from to correct the issue but have yet to resolve the issue. I currently have an outstanding finance charge for two incomplete bedroom 's sets. If I would have known that I was not getting all the pieces to these set I would have not gotten them. I've been told I am stuck with these bedroom sets and I have no clue what to do with two incomplete bedroom set that I now have to pay for. I also cancelled the delivery which a {$160.00} was suppose to be refunded to me. I have yet to be able to get this refund from Conn 's as of XX/XX/2021. I have been to the my local store which is XXXX SC now twice and have been denied my refund due to no cash in store. This seem very unreasonable and needs to be refunded.
Consumer complaint received 2021-07-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NV)

Vehicle loan with Santander. I sold this vehicle on XX/XX/XXXX and had a total payoff balance given to XXXX XXXX  XXXX. Santander reported payment late in XX/XX/XXXX after it was sold. I have disputed and it has not been reflected accurately. I want this reported as current. 

Thank you.
Consumer complaint received 2023-06-05
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.