davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (GA)

I received a notice through my  XXXX  that I had a new account being reported, a collections account. Whereas I have never received any communication from this debt collector in writing on phone call that I owed this debt, it went straight to being reported on my credit report and I was not given the right to dispute this.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history withXX/XX/XXXXXXXX and all payments were placed on XXXXutopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (UT)

Zelle decides that its system has made me ineligible in the standalone app without giving any further explanation. Furthermore, Zelle has no provisions in their terms of service that I previously agreed to that allows them to render me ineligible to use their services especially since Zelle was unable to furnish any reason for the ineligibility claim other than that their system had determined that I was ineligible, and that there " was nothing that they could do about it. '' I have given them multiple opportunities to allow me to provide additional identification, yet they have refused. If the CFPB is unable to assist me in finding a resolution to the issue I have just identified, then it may be necessary to settle this matter by exercising my right trial by jury, as I have not entered into an arbitration agreement with Early Warning Systems, Zelle, or any of its affiliates.
Consumer complaint received 2017-05-03
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (AL)

Have requested on several occasions for them to not contact my family members. They somehow have my step mother and father 's cell number which I did not give them. "  XXXX  '' also told me to pay and the calls will stop. I am going through a divorce and I am not able to pay at this time. Every call is contact me today or further legal action will occur. "  XXXX  '' has contacted my step-mom who was n't even my step mom at the time the loans were taken out so how could she even be a contact? "  XXXX  '' is clearly using deceptive practices to try to contact me.
Consumer complaint received 2021-10-24
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. (NC)

Trans Union has been charging me {$24.00} per month to be a paid member of their credit reporting services. Trans Union has done nothing but take hundreds of dollars in my hard earned money. After reading and reviewing my Trans Union credit reports, I discovered there are a lot of derogatory and negative trade lines on it that do not belong to me and I never signed for or did I ever conduct any business with these companies. 

Being a paid member I have requested by telephone from Trans Union to refund me all of my money that I have spent and they refused to refund me anything. I am unable to open any online disputes on the Trans Union website, I had to print out my Trans Union credit report and check off all of these derogatory and negative trade lines on it and I had to send it in the U.S. mail to Trans Union. They informed me it would take 30 days to investigate everything and they would send me an updated credit report in the U.S. mail and I never received anything in the U.S. mail from Trans Union.

I am demanding that I receive a full refund and my Trans Union credit report is cleared of all of these derogatory and negative trade lines that do not belong to me or I have ever been associated with. Thank you.
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MN)

Citibank Visa Costco anywhere card. 
Trying to move all of our monthly purchases over to this card for the rewards and while on vacation XXXX XXXX-XXXX  XXXX  they put a hold on the payment so our balance was at {$0.00} but also our available credit is at {$0.00}. 
So while on vacation ( Why the card was opened in the first place-Costco vacation ) we were not able to use the card or the money that we had sent over for the balance payment. 
How is this legal? 
And if it is... it shouldn't be!! 
XX/XX/XXXX XXXX spoke to my bank ( XXXX XXXX ) who said the payment clear the next day and funds were in Citibank account also said that not paying the balance sounded extremely sketchy. 
XX/XX/XXXX XXXXspoke to Citibank they said the card credit would be available to use again on XX/XX/2021. 
XX/XX/XXXX XXXX called Citibank again spoke to a manager gave me the same XXXX... I said are you sure there is nothing you can do? I'm about to send a complaint to the CFPB and probably Costco as well, Nope, he assured me my balance had been paid, which does nothing for me as the consumer who no longer has the cash in my account and does not have access to the credit on the card either. 

Going forward this week we have set up about 5-6 payments to be taken from this card till the end of the month and now they will all bounce.
Consumer complaint received 2021-01-27
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)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-10-23
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. (WI)

THIS IS MY LAST SUBMISSION. THE CREDITORS HAVE STATED THEY HAVE ADVISED EXPERIAN, XXXX and XXXX TO REMOVE ALL REMARKS. I STILL SEE SOME OF THESE AGENCIES HAVING DISPUTE REMARKS! CLEAR THEM FROM MY REPORTS AS IF THEY NEVER EXISTED. HERE IS PROOF THAT XXXX XXXX CARD SERVICES ACCOUNT XXXX AND XXXX  CASE XXXX HAVE STATED THEY HAVE REQUESTED YOU TO REMOVE ALL REMARKS BESIDES THE ORIGINAL PAID IN FULL AND CLOSED ON XXXX AND XXXX DISPUTES CLEAR. EXPERIAN HAS BEEN THE WORST TO DEAL WITH. THEY DO NOT HONOR ANY CORRECTIONS AND THEIR CUSTOMER SERVICE IS THE WORST. THEIR WEBSITE DOES NOT WORK FOR QUICK LINKS TO VIEW DISPUTES. I WILL BE CHECKING ALL OF THESE ACCOUNTS IN A MONTH. IF I STILL SEE ISSUES. I WILL BE LOOKING INTO REPORTING THEM TO THE ATTORNEY GENERAL, FTC, AND SUING THEM. 

IF YOU HAVE FIXED THE ERRORS AND IT TAKES TIME FOR YOUR UPDATES TO SHOW UP. I SINCERELY APOLOGIZE AND THANK YOU FOR RESPECTING MY RESOLUTION.
Consumer complaint received 2021-10-23
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. (WI)

THIS IS MY LAST SUBMISSION. THE CREDITORS HAVE STATED THEY HAVE ADVISED XXXX, XXXX and EQUIFAX TO REMOVE ALL REMARKS. I STILL SEE SOME OF THESE AGENCIES HAVING DISPUTE REMARKS! CLEAR THEM FROM MY REPORTS AS IF THEY NEVER EXISTED. HERE IS PROOF THAT XXXX XXXX CARD SERVICES ACCOUNT XXXX AND XXXX  CASE XXXX HAVE STATED THEY HAVE REQUESTED YOU TO REMOVE ALL REMARKS BESIDES THE ORIGINAL PAID IN FULL AND CLOSED ON XXXX AND XXXX DISPUTES CLEAR. XXXX HAS BEEN THE WORST TO DEAL WITH. THEY DO NOT HONOR ANY CORRECTIONS AND THEIR CUSTOMER SERVICE IS THE WORST. THEIR WEBSITE DOES NOT WORK FOR QUICK LINKS TO VIEW DISPUTES. I WILL BE CHECKING ALL OF THESE ACCOUNTS IN A MONTH. IF I STILL SEE ISSUES. I WILL BE LOOKING INTO REPORTING THEM TO THE ATTORNEY GENERAL, FTC, AND SUING THEM. 

IF YOU HAVE FIXED THE ERRORS AND IT TAKES TIME FOR YOUR UPDATES TO SHOW UP. I SINCERELY APOLOGIZE AND THANK YOU FOR RESPECTING MY RESOLUTION.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I, the consumer, have attempted to resolve this issue with Experian for several months. Experian continues to say that these items are verified. Because Experian did not uphold their grave responsibility to me, the consumer, to ensure I have a fair and accurate consumer profile, I reached out to the company in question directly. I have proof from the USPS that the account they claim has been verified, doesn't even exist. Please explain how an account can be verified when the postal service can't even locate the company in question. I have attached the return to sender notice. Even if this account did belong to me, Experian is allowing inaccurate information to be reported on this account. This is now harassment on behalf of Experian. For months, I have asked for proof in accordance with 15 USC 1681g - Disclosure to consumers. Nothing has been sent by Experian providing proof. I have sent Experian an affidavit via registered mail and still, Experian has not removed this random account. I am asking for the removal of the account that Experian can't verify and is reporting inaccurately.
Consumer complaint received 2017-05-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC (KS)

Any and all student loans have been  discharged as a result of the   XXXX   XXXX   XXXX   XXXX    TPD program.  Alltran is trying to collect on loans that have been previously discharged. They continue to report inaccurate info to credit reporting agencies. They also will not take into account the letters from   XXXX   XXXX   XXXX   that clearly shows the discharge.
Consumer complaint received 2021-10-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I had a principal balance of XXXX for my home prior to the 18 month forebarence I was granted from wells fargo ... ..after the 18 months they told me my " only " option was a loan modification. I had no choice but to agree to the terms of their loan modification ( which by the way required zero documents for me to submit for wells to come up with my new monthly paymemt ) with in the loan modification paper work I noticed that my principal balance went from XXXX up to XXXX and the reason it went up was an amount they are calling CAPITALIZED INTEREST ... .my complaint with them is I thought the CARES ACT prohibited them from profiting on missed payments and on top of that they're profiting on the same dollar again because its added to my new principal for the next 30 years
Consumer complaint received 2021-01-27
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-10-24
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: CITIBANK, N.A. (GA)

18 months ago I submitted a {$500.00} deposit to Citi Bank for a secured credit card. I was informed that after 18 months my account would be reviewed for an unsecured account and my {$500.00} would be returned to me making my account unsecured.So the 18 months was up on XX/XX/21 of this year, I con Citi Bank to get the status and was informed that they would keep my {$500.00} another 12 months as a secured account, and I maintained my account for 18 months they claim the account was late once but it had to be me paying the account after a certain hour of the day and it got credited the fo day but never ever days late.They never explained to me that this could happened I was told 18 months. My credit is good so it couldnt have been based on that.I feel like they are discriminating against me for making this decision and feel like they will retaliate against my credit fir filing this complaint against them.
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NY)

My card number was used on someone elses insurance policy one time. However, it was signed up for auto-pay. I was told by a representative that no future transactions would go through from the merchant ( XXXX ) but it did again in XXXX.
Consumer complaint received 2021-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jim Bottin Enterprises, Inc (MA)

Got a call from XXXX XXXX XXXX XXXX regarding an account I had with XXXX XXXX in XXXX, MA. This call was received on the XXXX of XXXX, XXXX. The caller would not let me talk, stated his name was XXXX and he was the manager of the operations division. Stated they sent a letter out in the mail regarding my debt as well as tried to reach out several times regarding it over phone, which my records can show has not occurred. I cancelled this membership in person, as well as sent a letter in to XXXX  XXXX  cancelling. I should not be contacted regarding this as I have already cancelled it.
Consumer complaint received 2021-10-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I exercised my right as a consumer and Capital One has done an adverse action because I exercised my right as a consumer, see attached document. Capital One is in violation with this letter sent on XX/XX/2022 pursuant to 15 U.S. Code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. They are scaring me with threats to pay by a date that is unrealistic. I am aware, collection activity includes furnishing any information on this subject matter to any consumer reports. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). I am aware that billing errors are also defined pursuant to 12 CFR 1026.13 ( a ) ( 1 ) a reflection on or with a periodic statement/remittance/dividend of an extension of credit that is not made to the consumer. Pursuant to 12 CFR 1026.13 ( a ) ( 4 ) A reflection on a periodic statement of the creditors failure to credit properly other credits issued to the consumers account. Pursuant to 12 CFR 1026.13 ( a ) ( 5 ) a reflection on a periodic statement of the creditors failure to credit properly other credits issued to the consumers account. Pursuant to 12 CFR 1026.13 ( a ) ( XXXX ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I demand that you do not terminate or close my account due to me exercising my rights in good faith pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Such an act of closing my account without my authority will be proof Capital One acted without care, good faith, and has indeed performed illegal activity.
Consumer complaint received 2021-10-23
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. (MD)

on XX/XX/2021 this credit reporting agency was sent a letter to provide method of verification as outlined in the FCRA section 623. I also sent them several dispute letters requesting to be provided with the following ; any certified signed documents with my inked signature, information that was provided to the data furnisher as verification that the information they received was in fact me, documents signed with my signature for any release of information, who was the person they spoke with, title, and contact information, who confirmed my identity, was there a authorization of release? what was the name of the credit reporting agency who verbally spoke with the person, provide me with certified documents of procurement. I have not received a notarized affidavit confirming that the information that was provided was in fact true, correct, verified and accurate. Credit reporting agencies use automated systems and codes to input information into anybody 's systems. None of the information was verified by a human person. I have not received any of the requested information. XXXX is a government agency that is not allowed to be be used for commercial use. XXXX also states that they do NOT validate any public records. If pacer doesn't verify any public records, how can a credit reporting agency verify the same? I have requested information from the credit reporting agency on what information they have received from the courts. I was not given a person 's name, title, date and time of the conversation, documents that were provided or received, or who was the representative the employee spoke with. I contacted the court name on the credit report and was told, they not received any certified information and request from any credit reporting agency. I requested NON automated information and a PROPER investigation be conducted. XXXX is a automated PUBLIC system. Anyone can create a account, access anyone personal information, store it, and sell it to anyone. So how is a automated GOVERNMENT public records system verifiable information, human 's can make input error mistakes into a computer which could cause catastrophic financial distress. The court 's state that they do not verify any public information? I received several letters stating the there was a bankruptcy account that has been verified by XXXX XXXX who states that they do not have record of any such bankruptcy on file. How is the credit reporting agency stating something like that has been verified with this third party if the third party states that they do not have such? All the credit reporting agencies are suppose verify and report only accurate items on a credit report. Two of the three credit reporting agencies does not have any reports of a bankruptcy on file.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The personal information that the credit bureaus is reporting is incorrect! I have sent out several letters to each bureau in regards to this matter please delete from my report. 

The only information that should be on my report is Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Birthdate : XX/XX/XXXX No other name, previous addresses and birthdates. I do not associate with any additional information they have on my report.