davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (WA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX through the app ) regarding late payments caused by an autopay setup failure for a XXXX  XXXX XXXX ccredit card. Customer service agent promised that, upon payment, late fees would be refunded and the late payment would not be reported to credit. 

XX/XX/XXXX - Applied to auto insurance with XXXX, and discovered that my credit score was down by 100 points due to a reported late payment. 

XX/XX/XXXX XXXX - Called XXXX XXXX XXXX XXXX through the app ) to inquire why the late payment had not been handled, was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

XX/XX/XXXX XXXX to XXXX - called several times from numbers from the mobile app and website, could not get connected with an agent. 

XX/XX/XXXX XXXX - Called XXXX XXXX  XXXX XXXX XXXX ) to inquire why the late payment had not been handled, was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

Got re-connected, on the same call, to another customer service representative ( an " escalations manager '' named XXXX XXXX who gave the number XXXX to follow-up with ), and again was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

XX/XX/XXXX XXXX - Called XXXX XXXXXXXX XXXX XXXX through XXXX ) to inquire why the late payment had not been handled, was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

This time, however, I also discovered that I didn't actually even get the late fees refunded as promised, but rather, that XXXX XXXX XXXX had instead drawn the payment from my checking account twice without authorization - we had only given authorization for a single payment. This was an un-authorized payment of {$220.00} being taken from my checking account by XXXX XXXX XXXX, applied to the credit card, putting my current balance on the card at $ XXXX ( i.e. {$210.00} needing refunding ). These payments were taken on XX/XX/XXXX ( {$220.00} ) and XX/XX/XXXX ( {$220.00} ). 

XXXX re-connected to another customer service representative ( an " escalations XXXX '' named XXXX XXXX '' ). Again, the customer service representative promised that the forms to fix the issues were filed.
Consumer complaint received 2022-10-19
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. (GA)

I purchased a camper and XXXX BANK assumed the loan. I set up auto draft so I wouldnt have to worry about the payment. The address I used when I purchased the camper is not the same address where I am currently living. The problem is, funds didnt transfer in time and the auto payment didnt go through. At no time was I called to fix the issue. What they were doing was sending mail and notices to the wrong address. After I discovered my payment was late I IMMEDIATELY caught the late payment up As well as pay it current and correct the issue for the current address. They have XXXX modes to contact someone and if they are going to ruin someones credit they should at least try a phone number. Furthermore my credit dropped 104 points and Ruined my name. They used improper information and the years of being responsible to maintain top tier credit shouldnt be ruined by their mistake or 1 late payment.
Consumer complaint received 2022-10-19
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. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (AL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi I have sent out several letters over the past few months starting in XX/XX/XXXX over some issues with my credit report I sent a letter on XX/XX/XXXX to a company that I do not recognize they say I owe XXXX $ they didnt respond within the 30 days I requested I also sent out a letter on the XXXX of XXXX to another company saying that I owed XXXX $ and then changed it to XXXX $ but that account was settled in XXXX I sent a letter out on the XXXX of XXXX to a company saying I owe XXXX $ they also did not respond with in the 30days alotted I sent another letter on the XXXX of XXXX to a company saying I owed XXXX $ they also didnt respond with in the 30 days allotted
Consumer complaint received 2022-10-24
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)

I never consented to this information being furnished, infringing upon my right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One bank advertised on XXXX about their Quicksilver Cash Rewards XXXX -- {$200.00} bonus if used for {$500.00} in first XXXX months, and 0 % APY on balance transfers for XXXX  months. On XX/XX/2023, I selected " apply here '' and completed the Capital One application which was approved. I received the card in the mail and activated it the same day by phone -- XX/XX/2023 -- the front side was identical to the card described and pictured on the XXXX XXXX website. I then used it for over {$600.00}, well within the time required to earn the bonus. On XXXX XXXX I called Capital One customer service, and was informed by the representative that the credit card i had received from them did not qualify for the {$200.00} bonus feature or the 0 % apy feature on purchases or balance transfers.After considerable discussion, she continued to maintain the same position. I asked to speak to her supervisor and he came on the line and I told him the whole story. He insisted that the card i was sent did not contain those features. I suggest that he might be violating federal law, but he did't waiver from his position. on the same day of the troublesome phone call, they sent me a letter announcing a 29.74 % apy 0n balance transfers. I have always paid the statement balances, on time on this card.
Consumer complaint received 2024-04-04
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: EQUIFAX, INC. (MI)

Dear Sir/Madam, I am reaching out to express deep concern about a significant error that XXXX XXXX  has reported on my credit report. This error pertains to a 30-day late payment from XX/XX/XXXX, which is not due to any oversight on my part, but rather a XXXXXXXX XXXX Error . Reference number pertaining to the error was provided ( # XXXX ) to XXXXXXXX XXXX however I feel an investigation was not even done. The email was sent XX/XX/XXXX in the evening while XXXX XXXX  was closed, and I received a denial XX/XX/XXXX XXXX. I do not feel this was sufficient time for XXXXXXXX XXXX to honestly review my issue pertaining to the XXXX XXXX  reference number provided. I feel that I received a generic denial response to my dispute. This error is causing substantial disruption as it is preventing the approval of my necessary SBA loan. I plan to use this loan to open a primary care provider office, and this unwarranted negative mark on my credit report is causing considerable delays in this process. Despite previous attempt to correct this issue with XXXXXXXX XXXX, the problem remains unresolved. Given the urgency of the situation and the potential impact on my business plans, I am compelled to ask for your assistance. According to the guidelines provided by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), I am officially disputing this inaccurate information. I kindly request its immediate correction or removal from my credit report. I am confident that you will handle this matter with the urgency it warrants and I look forward to a swift resolution. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (TN)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-19
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. (TN)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC. (GA)

I filed a XXXX  XXXX bankruptcy on XX/XX/22, initially, I had signed a reaffirmation with Ally bank because I was hoping to still be making enough money to support the loan. I realized in the next month it was not looking good for me financially so on XX/XX/22 we filed a notice of rescission of reaffirmation. I have not heard from Ally Financial, despite reaching out to them on several occasions, and on XX/XX/22 a surrender letter was filled out and sent to them. They requested the location of the vehicle, which was supplied to them same day as well as the facility gate hours, and to date ( XX/XX/22 ) it has not been picked up, I have not been contacted, and they have not updated to show it was surrendered. I have made several attempts to get my credit report updated but they refuse to update it and still show all months are past due and the amount it owed.
Consumer complaint received 2022-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-09-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Nicholas Financial Inc. (MO)

Nicholas Financial added a {$1000.00} fee to the buy/sell agreed upon price as a lender fee, but never disclosed as a finance charge or lender fee. They are hiding a {$1000.00} fee which is basically 8 % of the vehicle price as an increase in the vehicle price at the dealership. This is fraud, and illegal lending practices. I should be refunded the {$1000.00} that was not disclosed properly, and so should hundreds of others I am sure.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UMB FINANCIAL CORPORATION (CO)

I had fraudulant activity and wanted to close my account. I have called multiple times and the best I could do was to place my card on hold. I tried calling again today and gave up after XXXX XXXX  on hold. I mailed a letter via XXXXXXXX XXXX XXXX weeks ago and no response. I want to completely clost this account. Can you help?
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (TX)

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) - who hired collection agency Attorney for Collections : RAUSCH STURM XXXX  of XXXX, TX XXXX ( new name of Rausch, Sturm, Israel, Enerson, Hornik of XXXX, Texas XXXX ) I hired an attorney to help make payment plan, and avoid judgment. 

Payment Plan agreed ( XX/XX/XXXX, Agreed Judgment dated XX/XX/XXXX, Debt fully paid XXXX XX/XX/XXXX No communication from Plaintiff lawfirm Rausch et al.. 

Fast forward : XX/XX/XXXX ( 7 years AFTER last payment was sent in to satisfy debt ) : My attorney contacted by Rausch et al threatening repeat collection action, judgment, discovery interviews, depositions - against the SAME XXXXXXXX XXXX  debt. 

This is a fishing expedition - trying to collect on past customers/clients/debtors who still own assets on record, and may be even against those that may have died in the intervening seven years. 

CAN THEY REALLY DO THAT??
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have recently conducted a thorough examination of my credit report from XXXX and was deeply alarmed to discover that I have fallen victim to identity theft. It has come to my attention that there are multiple inquiries listed on my credit report that I did not initiate or authorize. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have XXXX inquires on my XXXX credit report that I do not know anything about I have report this to the XXXX credit company and there is know action taken place my wallet was lost by XXXX XXXX XXXX police department and my information was taken by somebody and it has been use still today their useing my identity
Consumer complaint received 2022-10-19
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (NC)

I have recently conducted a thorough examination of my credit report and was deeply alarmed to discover that I have fallen victim to identity theft. It has come to my attention that there are multiple accounts listed on my credit report that I did not initiate or authorize. On XX/XX/XXXX, I promptly dispatched a formal letter to the credit bureaus in which I requested a comprehensive investigation into the accuracy of the information associated with the accounts I have enumerated below. Accounts : by XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report dated XX/XX/XXXX, I see an entry listing collections account reporting below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I challenge the accuracy, compliance and reportability of this listing.