davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Due to a system issue, my payment was scheduled for the wrong date. Therefore, my payment wasnt sent to Capital one and a late fee was applied in the amount of {$28.00}. Since Ive never had any late payments, I requested the late fee be waived. However, it would take XXXX business days to post to the account. Then I made the payment which applied to another Capital One credit card. After checking the account, I-noticed the payment was applied to the wrong account so I called customer service again. The representative did not understand what I was asking so I had to repeat it several times. Their outsourced company used for their customer service always provide information the customer do not ask questions not asked. The representative talked so fast most of the interaction with her was frustrating I asked for a supervisor XXXX times and finally got a account specialist name XXXX that was very unprofessional and rude. I was told they were backed up with processing a simple transferring payment from the incorrect to the correct. The process will take 7-10 business days that will cause a late payment on my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( XXXX ) ability of consumer to dispute information directly with the furnisher. What I am disputing is the charged/off account XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX last updated status of the account has been updated as Paid, Closed. {$990.00} Written off. XX/XX/XXXX of a credit limit of {$700.00} highest balance {$970.00} and therefore it has been turned into a charged off account. According 15 U.S. Code 1666b - Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. As I know the creditor did not notify me 21 days before a statement According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I demand a deletion for XXXX XXXX XXXX on behalf of my credit report. account # XXXX
Consumer complaint received 2022-05-20
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. (TX)

I have been dealing with Experian about my XXXX XXXX XXXX that's on my credit report. I have called them and disputed with then about this item plenty of times and now finally they update where it says collections for 2 years now XXXX XXXX XXXX XXXX was paid for using my irs funds back in 2017. On my credit XXXX  with Experian it does not show the On Record date when it will off my credit report all other accounts show the On the record date I have asked Experian to delete for not showing accurate info. If they will not delete I will sue them for damaging my credit
Consumer complaint received 2022-05-20
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: Evergreen Moneysource Mortgage Company (WA)

I inquired to see if ( Evergreen Home Loans ) could remove a late payment from XX/XX/2022 that was reported to the credit bureau. ( They did however remove the late fee ) This was the first time that I have had any type of occurrence of this nature, if they were look at my past history it solidify my statement. 
When I first discovered that this occurrence happened, I immediately called and spoke with a loan representative and sent in payment for full resolution of the XXXX $ in question. 
The original payment check was sent in but with an error on it. 
The error was that when physically writing out the complete dollar amount on the check the words " XXXX XXXX '' were accidentally omitted, However the full loan payment amount of XXXX was written numerically correct on both the check and on the voucher. 
Evergreen home loans response to my request was " Unfortunately, we are not able to correct Per CFPB guidelines, we are required to post the check for the amount that was written out ''. 
what CFPB guidelines are they referring to? there response has nothing more than a loose mention of the CFPB with no supporting information from the CFPB guidelines to support their statement. 
Can they remove the reported late payment from my credit report? And why cant they correct it?
Consumer complaint received 2022-05-21
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. (LA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$3500.00}
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

Conns submitted my account due to non payment to a collections agency XXXX XXXX XXXX XXXX which we came to an agreement to settle in full with {$360.00} paid in XX/XX/2019 and still has not been removed from credit report. I have called Conns and they tell me account has been sold to collections agency and that they have not received anything from collections agency were I paid I called the collections agency and they say they sent Conns a XXXX balance letter 10 days after I made payment and that since payment was received they have closed account and nothing to be done in their end. 

I even submitted XXXX balance letter from collections agency to Conns and up till today no one has contacted me. 

I am getting the runaround with the collection agency as well as Conns and I have taken care of this account almost 4 months ago. 

Please help I am trying to do the closing in my house and this is the only thing stopping me from
Consumer complaint received 2022-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

My home was in Default my servicer is PNC Bank i was behine 12 months my house was headed for auction i finley caught up with the payment before that happen i had an agreement with them for all of the fees inclueded late fees lawyer fees all of the adminstrion fee which came out to be XXXX that was suposed to be the full amount in in clueding everything to bring my account current after i went to XXXX XXXX XXXXXXXX XXXX got a cashier check sent them the total amount and after i made the XXXX payment said that i own a XXXXIf i own the extra amount have been in clueding in the restatment i ask serval time whats the total amount which i would sent that to them not after the. 
Im not going to pay those fee if i dont get this resoved will seek an lawyer.Thanks
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

A collection company " XXXX XXXX XXXX '' is reporting a debt that has exceeded the XXXX year reporting window. I've disputed the age of the debt with all the XXXX credit reporting agencies and requested the collection company report the " date of first delinquency '' to verify the age of the debt. The company merely replied that the information was accurate, without actually providing the true age of the debt. The dispute merely results in a note attached to the collection stating " Dispute resolved, customer disagrees. '' I believe this is a simple case of debt " re-aging '' and the collection agency is inaccurately reporting the debt.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

My Bank account at USAA has been hacked and the person who is in my account has been depositing checks that are not mine for {$5000.00} at a time starting XXXX XXXX. As they cash these checks, they send them to XXXX XXXX and once they send the checks to XXXX pay, the checks get declined. I am now XXXX dollars in debt and I have no money. I need help please
Consumer complaint received 2022-05-20
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: Penn Credit Corporation (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. 

I badly need your help on this matter.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have a few addresses on my report that are not mine and I need removed from my credit report. I need my current and accurate information to show on my credit report. The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-05-20
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: Convergent Resources, Inc. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. 

I badly need your help on this matter.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX account # XXXX, XXXX XXXX account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In Accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602- States I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX account # XXXX, XXXX XXXX account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-20
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 (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. 

I badly need your help on this matter.
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX || Date of inquiry : XX/XX/2023
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account does not belong to me. It was open fraudulently and is damaging to my account. I have previously contacted Transunion regarding the inaccurate, offending collection account on my credit report. This debt was not properly validated because if that was so, it would not be reporting on my credit profile. As such, I am asking that Transunion adhere to the law and remove this information from my credit report immediately. Failure to do so is a direct violation of the FCRA & FDCPA laws.
Consumer complaint received 2022-05-21
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. (OK)

So I sent a letter off on XX/XX/2022. Here is my tracking number XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to the 15 USC 6802. No financial institution is not suppose to share my information to third to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-05-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act,15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ALL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-21
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. (AR)

In accordance with the Fair Credit Reporting act, XXXX  XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are late payments on this account ( XXXX XXXX XXXX XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-03-12
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. (PA)

Could you ensure that any inaccuracies in my credit report, as mandated by FCRA 605B, are rectified? Some of the accounts listed are incorrect, which is unsettling.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act, XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-21
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (TX)

Credit Card XXXX : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Name & Address of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Office ( XXXX ) XXXX, Fax ( XXXX ) XXXX XXXX XXXX XXXX, XXXX ( XXXX ) did not complete the goods and services that they had agreed to install a Fire & Sprinkler System at the following address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX Synchrony Bank is a conspirator to the contractors fraudulent inducement to bid a project cost that was unattainable. 

XXXX XXXX XXXX XXXX  Agreement dated XX/XX/XXXX indicated a Target Est. Install Date of XX/XX/XXXX. 

My wife filed a dispute with Synchrony Bank weeks after I had filed my dispute. She received a credit on her account on XX/XX/XXXX for the very same issue that Im having with this company. My wife and I combined our Synchrony accounts together to fund this project from XXXX XXXX XXXX. 

Synchrony Bank have closed out all my accounts under them such as XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and others. The reasons for their decision were, Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay.