davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
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 would like to express my deep frustration with the repeated attempts to correct the status of several open accounts that have been erroneously marked as late. Despite my diligent efforts to rectify this issue, it persists, causing significant inconvenience and adversely impacting my creditworthiness. 

The inaccurate reporting of late payments on these accounts not only misrepresents my financial responsibility but also undermines my credibility as a borrower. As a conscientious individual, I take great care to manage my financial obligations promptly and responsibly. Therefore, it is both distressing and unacceptable to be unfairly penalized for purported late payments that do not reflect the truth of the matter. 

I have made numerous attempts to address this issue through the appropriate channels, including contacting your customer service representatives, submitting dispute forms, and providing supporting documentation. However, despite my persistent efforts, the necessary corrections have not been made, and the erroneous late payments continue to tarnish my credit profile. 

I hereby request immediate action to rectify this matter. Specifically, I expect : The accurate adjustment of the affected open accounts to reflect the correct payment history, removing any erroneous late payment notations. 
Prompt notification to the relevant credit bureaus and agencies to update my credit report, accordingly, reflecting the accurate status of my accounts. 
Transparent communication regarding the steps taken to resolve this issue and a timeline for the completion of the corrections. 
Furthermore, I demand assurance that measures will be implemented to prevent similar errors from recurring in the future. It is imperative that your organization upholds the highest standards of accuracy and integrity in its reporting practices to maintain the trust and confidence of its customers. 

Failure to address this complaint satisfactorily will leave me with no choice but to escalate this matter to regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to correct these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The issue on my credit report is that it shows I have 2 accounts open for XXXX  XXXX  XXXX XXXX store and 2 different account numbers which I dont. I only have 1 account. I called XXXX XXXX and they said yes I only have one account yet on my report shows 2, one is current one shows delinquent one of them shows XXXX credit limit another shows XXXX. I last paid {$70.00} for my account in XX/XX/2020. The other acct shows {$40.00} paid XXXX? Not sure why. Also a XXXX  rep set my payment to be paid late monthly and I been getting charged late fees. I specifically asked to set auto pay a week before due date.
Consumer complaint received 2023-12-30
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. (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 XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or 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 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (VA)

Account disclosures sent by Wells Fargo are misleading and deceptive and do not adequately describe how excess payments for 0 % promotions are applied. The disclosure states " Your minimum payments will be applied first to lower APR balances before higher ones. Payments in excess of the minimum payment will generally be applied to balances with higher APRs first ''. However, the disclosure falls short in describing how excess payments will be applied when only 0 % APRs exist. I have three 0 % balance transfer balances with different expiration dates. When I send in excess minimum monthly payments, the payments are spread among the three balances although they don ; t have the same due date. One balance had an expiration date of XX/XX/19. I made a payment on XX/XX/19 in an amount sufficient to payoff the balance. Since the payment was spread between the three accounts, the expiring account started to accrue interest. This practice is deceptive since each loan was taken out at separate times and have different due dates. Each loan also required payment of a 4 % balance transfer fee. Excess payments should be applied based upon the loan expiration date, not spread to balances that may not mature for several months, up to one year.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, 2022, I sent a letter to Capital One Auto Finance to report an unauthorized application for auto financing, which was initiated by XXXX XXXX XXXX in XXXX XXXX Texas XXXX XXXX XXXX, 2022. Said application was unauthorized, as it was submitted without my knowledge nor permission. Unfortunately, this dealership collected my personal information under false pretenses as I was attempting to redeem a cash prize that I had supposedly won, but it turned out to be a fraudulent scheme. A large number of unauthorized credit inquiries appeared on my credit report after visiting this dealership, even after I verbally told them we had no interest in purchasing a car and did not want any hard inquiries on my credit report. 

Unfortunately, contacting the dealership for assistance at this point is not an option. Several days after my visit to the dealership, their financing XXXX XXXX XXXX called me and yelled at me for leaving a bad review of the dealership online. Therefore, I ask that your company please step up and correct the issue related to the dealership 's fraudulent behavior. 

My letter to the company was returned to me on XX/XX/2022 due to the company listing a wrong address said inquiry.
Consumer complaint received 2020-01-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (SC)

I purchased a car from XXXX XXXX In XXXX SC. The lender is Consumer Portfolio Services. The original purchase was for {$28000.00}. I have paid over {$40000.00} and still owe the company {$18000.00}. I did not realize the fine print of the car was {$12.00} per day for late fees. I was told that be a CPS representative 2 years ago. In past years I have been late because my husband was sick and I was the only person working. I can not find anyone to refinance or trade in because the car is worth {$4000.00} and I owe {$18000.00}. I am currently 2 months behind again. My payments are {$530.00} and thats {$1000.00}. The lates fees are {$700.00} so right now I owe over {$1800.00} for 2 months. I have filed a complaint with the XXXX   and they recommended I contact this agency as well. CPS needs to be investigated for these are loan shark practices.
Consumer complaint received 2020-01-15
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2022-02-22
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. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-11
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-12-30
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

My due date was changed from the 25th of the month to the 1st of the month without my knowledge or authorization. This is the second dispute Ive filed. They applied a {$70.00} courtesy deduction from one card but completely disregarded the issue on the card Im talking about. I will attach screen shots of the bills showing the due date change.
Consumer complaint received 2022-11-11
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
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. (IL)

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

1. Identity Theft XXXX {$7100.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 2. Identity Theft XXXX XXXX XXXX  {$18000.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 3. Identity Theft XXXX {$1200.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA The following accounts can not be verified and I am requesting that the following accounts be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with credit reporting agency as well as the credit grantor to have these unverifiable accounts removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditors, collection agencies, and acceptor of this letter as defendants. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention within 30 days of your receipt. Thank you for your prompt attention to this matter
Consumer complaint received 2020-01-15
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. (IL)

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt. 
XXXX. Identity Theft SST/PIONEER {$7100.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 2. Identity Theft XXXX XXXX XXXX  {$18000.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the  FCRA 3. Identity Theft XXXX {$1200.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA The following accounts can not be verified and I am requesting that the following accounts be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with credit reporting agency as well as the credit grantor to have these unverifiable accounts removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditors, collection agencies, and acceptor of this letter as defendants. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention within 30 days of your receipt. Thank you for your prompt attention to this matter
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: The J. G. Wentworth Company (NY)

I sold a payment to jg Wentworth financial of XXXX dollars for a lump sum payment they are now claiming after signing contracts and getting all my information that the payment is now not available I was in contact with my original settlement people who have confirmed jg Wentworth has taken out the XXXX
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (VA)

When I make an online payment to my credit card, there is absolutely no indiction anywhere in my account that there is a pending payment, so I have made two payments a number of times, indavertantly. I have complained to the company and they have not fixed the issue. They have re-vamped their website, and if I apply for any type of loan, the pending application is immediatley shown at the top of the screen. So its not that they can not show a pending payment, they are choosing not to show pending payments. All my other credit accounts clearly show " pending payments ''. What PEN FED is doing is misleading consumers about their payments so they make double payments, which are then non refundable.
Consumer complaint received 2020-01-07
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. (CA)

I was trying to trade in my car today XXXX2020and I was unable to due to my credit being in poor standing. I had no idea about this before today ; I looked over my credit report and accounts and I saw that there are two accounts that were opened in my name without my permission. Neither of those accounts belongs to me nor did I ever make any payments towards any of those accounts and I did not benefit anything such as money, goods, services or any other benefit. I have never had any written or verbal contract with any of those companies nor did I ever allow them to run or access my credit information. I have already filed a police report regarding this matter.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

Payment made are debited from my bank and posted to my credit card account but the funds are held and not made available for use for as much as 14 days. It appears that the funds not made available are being used by the credit card company for investment or other uses. They are using money that in effect still belongs to the customer until they become available for the customer 's use.
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc (CT)

Hi my name is XXXX XXXX and I've been a chime bank customer on and off for around 10 years. 
I made and still make it a full time job to advertise and promote their service such as the chime bank account and debit card. 
I advertised to all of my friends and family, XXXX, XXXX, XXXX and etc. 
I have been working doing so faithfully for at least the last XXXX to XXXX years using my personalized link from chime to attract new customers and if they meet certain criteria I get a bonus referral reward of {$100.00} and I get a bonus referral reward of {$100.00}. 
But in XXXX to XXXX years now and according to chime I've only earned {$100.00} for relentlessly promoting and advertising this service.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I had disputing this account with XXXX XXXX XXXX multiple times this is not my account I was incarcerated during the times this account was open I has summited multiple supporting documents as well as police report. XXXX and XXXX has already removed this item from my file .everytime I dispute it threw Equifax they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as 13late payments as well as its not my account ..I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 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.

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