davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have tried to get a hold of Capital One customer service inability to investigate a FRAUD have let me no option other than to contact the Department of Consumer Affairs and Federal Trade Commission. 

I sent to client who provided the shipper by USPS and delivered two day before purchasing let me wonder how did Capital One refused to provide me FULL CREDIT. No one from seller has responded to my emails and your employees have no clue who the CEO from Capital One is. The letter Capital One just sent me dated XX/XX/2021 with case # XXXX with XXXX tracking number is NOT even recognize by XXXX. XXXX has confirmed to me this is NOT a track number to me. So, Capital One did not even bother to contact XXXX or USPS even when I provided all this info and capital one customer service employees have no clue how to handle this FRAUD. 
I spoke with so many people at their customer service and refused to provide me an email address, however capital one sends me so many emails but I can't reply to them, why?
Consumer complaint received 2021-03-19
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. (MO)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. While I understand that there is a pandemic which can cause delays, I have not received anything from any of the bureaus since my first dispute on XX/XX/XXXX ; followed by 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANYONE to resolve anything. Data has also already been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year ; it's a shame for people like me who are trying to better ourselves! The bureaus MUST be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been struggling to keep up with my mortgage payments due to the pandemic. However I've never missed a payment but have been late several time. Bank of America is fully aware of my current financial situation. I made several request to their customer service department for a " late fee '' waver and was denied each time. If a customer is temporarily struggle to keep up with the payments but still manages to make the payment why not try and assist the customer instead of making it even more difficult for the customer. Bank of America is extremely difficult and refuses to work with their customer during this pandemic. Here 's the latest email that I received from BOA. 


" Dear XXXX XXXX XXXX : Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your late charges. On behalf of Customer Service, I sincerely apologize for any inconvenience this may have caused you. 

We have reviewed your account records and determined the late charge fees totaling {$830.00} will not be waived. Per the terms of your Note, your payment is due on the first of each month and you have a 15-day grace period to assist with postal or any other mail delays during which payments may be received with no penalty. The balance has carried over every month on your monthly statement unit paid. ''
Consumer complaint received 2023-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update or correct the following inaccurate information that is hurting my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

equifax has not been responding to me nor investigating my disputes nor sending me any proof of their investigations for the past year as a consumer this has caused major distress upon me and has ruined my reputation as a consumer due to their fraudulent actions. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account U.S bankruptcy Court XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MO)

Company refused to provide validation of this account, has not produced information and forms we requested. Refused to produce transaction report log showing the source and destinations of the funds of alleged loan. Pennymac did not inform us that our note would be securitized and traded without our knowledge.

Tax fraud reported to irs. Identity theft is being reported for sharing private personal information with third party and all credit bureaus
Consumer complaint received 2021-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo IRS Confirmed my stimulus 3 ( for {$1400.00} ) was sent on XX/XX/XXXX to my Wells Fargo Debt Card ending in XXXX. 

The IRS said if I did not receive it, call my bank. 

Wells Fargo acts clueless when you call them and they do not anticipate the needs of their customers by sending them daily updates or telling them not to worry. 

What are they doing buying short term financial instruments to gain a short profit buy sitting on our money? 

Are they sitting on the money to somehow make their quarterly reports have more cash on the books? 

They can't even update their customers and today is Friday?
Consumer complaint received 2021-03-19
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. (CA)

XXXX XXXX XXXX reported a collection to Experian in XXXX for a debt from XXXX. They waited 10 years to even report it to Experian and Experian still has not removed it from my report. The only thing that Experian states every time I dispute this account is that the collection agency said it is accurate. They dont explain why its acceptable that the collection agency was allowed to wait 10 years to report it or why its acceptable that its still on my credit report when the debt is 15 years old. They provide no documentation verifying the accuracy. Ive made 4 disputes through Experian and also called them to explain the situation. Today, Ive called 10 times. They kept transferring me and disconnecting me. I spent several hours on the phone.
Consumer complaint received 2021-03-19
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: DISCOVER BANK (NY)

In XXXX I was provided a copy of my credit reports which all 3 reflected a {$13.00} past due balance on a closed Discover Card account. This incorrect tradeline was having a significant negative impact on my credit scores and ability to purchase a new Florida residence. I immediately contacted Discover and they immediately credited my account the {$13.00} as I had paid and closed the account several months prior. However, Discover had refused to remove the late marker caused by the {$13.00} debit that was their error. A Discover credit representative suggested I dispute the issue with the credit bureaus which I have done. However, in the meantime Discover continues to allow this incorrect negative information to be be reflected on my credit reports and is impacting my ability to purchase my new Florida residence.
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc. (CO)

XXXX XXXX XXXX a noticed was received in the mail from a collection agency to my father who has XXXX  away. The notice indicated it was issued by the XXXX XXXX XXXX XXXX. I owned a vehicle with my father and did attend the XXXX  college of XXXX. I contacted the XXXX Police on XXXX XXXX at approximately XXXX and was advised this would be the parking section. At approximately XXXX I was able to talk to a live person, I indicated that I have never received notice of a parking ticket and this was the first time a notice was seen from a collection agency. I was advised they are doing an audit and trying to reclaim unpaid tickets. I was then told that the ticket was left on my window and that they have a photo of this ticket left on XX/XX/XXXX. I advised that the ticket was never received or it would have been paid then if it was known to me, the women stated that people don't go around removing tickets. Again I indicated that I did not get the notice or a ticket. At this point I asked what the original amount of the ticket was and was told it was for XXXX, I indicated I would pay that amount to settle this debt. I was told to pay to collection company but I would still owe the full XXXX. I than asked to speak to the supervisor and was placed on permanent hold. I hung up to call directly at XXXX and was directed to XXXX and asked to speak to the Manager of the parking department. I was transferred to XXXX the Parking Business Manager. I advised her that the ticket was never received and that I would like to settle this debt with the original amount and indicated that the ticket was never received or it would have been paid that day. I also indicated that I would be happy to pay the XXXX today but was told that it would still be in collections and that the car was in my fathers and my name and I will need to pay the debt because they had also mailed out notification to the address verified. I again indicated that the only notice received was a collection notice on XX/XX/XXXX by US mail and this in unfair practice when I am trying to take care of this matter and pay the XXXX. I had indicated that again I did not get a ticket and I would like to take care of this now. Given that we are currently under a pandemic and some people just can't pay or afford to pay bills at this time this was not ethical. I was then told it was going to collections and she refused to take the payment of XXXX offered.
Consumer complaint received 2024-03-21
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 2024-03-21
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 nephew, 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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLAZA HOME MORTGAGE, INC. (CA)

I filled CFPB Complaint Number XXXX and I believe it was closed without a clear resolution to the false statements made by Plaza Home Mortgage advertised and explained forbearance service, and miss leading statements made by Consumer Account XXXX XXXX XXXX. 

The company stated " Pursuant to your correspondence, we requested our Credit Reporting Team to review the account for any delinquent credit reporting during the forbearance period effective XX/XX/XXXX through now.. We have been informed that the account was reported as current for XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX with a special comment indicating the account was in forbearance. Further, we suppressed the credit reporting on the account for XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. Please note the account has not been reported as delinquent effective XXXX XXXXthrough now. '' The review action on my credit was more than just a review as review does not change your rating. This review resulted in 4 negative reports which were flagged by " XXXX '' which has clearly shown me that the company doing business at XXXX XXXX XXXXXXXX, XXXX XXXX, NJ made derogatory annotations on my credit that resulted in a major decline in my credit score. It was made clear to me before forbearance that no derogatory remarks would be reported to the credit agencies if I chose to exercise the plan. If I would have been informed that anything negative was going to be the result of my forbearance choice, I would have made a different decision. It was never disclosed to me that this would happen. I can supply copies of the derogatory entries if needed. I tried to present them here but this page is not setup to receive screen captures.
Consumer complaint received 2021-03-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Peoples Financial Corp. (GA)

My complain is with People 's Financial. I paid of my XXXX XXXX in bankruptcy XXXX. peoples never gave my title to me or bankruptcy. 
i have reached out in XXXX and People 's Financial stated I still owe on my vehicle. All credit agency 's reports also that my vehicle is paid in full. peoples will not release my title its XXXX. When I ask to get corporate number I am inform there's No Corporate office. XXXX is the young lady giving the information.
Consumer complaint received 2023-02-03
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. (NJ)

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2021-03-19
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. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-12-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

My vehicle was stolen and was never found. My insurance company paid out both me and the lease holder ( Mazda Financial Services ). I confirmed with Mazda Financial Services that they received their payment and show a {$0.00} balance with regard to the lease. However, Mazda Financial Services told me they would continue to charge me my monthly lease payment ( 2 months in at this point ) until they received a specific letter from the insurance company. All of which is out of my control. So even though the lease had been paid off and had no balance Mazda Financial Services said they are not going to close my account and stop payments on their end until they get the paper because " that's just the way it is '' as they put it. So I am paying monthly for a car that doesn't " exist '' and which everyone has been paid for.
Consumer complaint received 2021-03-19
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have found several names and addresses on my credit report that do not belong to me. I have recently filed an FTC. My full name is XXXX XXXX XXXX and all variations of my name ARE NOT MINE. 
I found out my ID was stolen and someone has been using my name to open accounts, utilities, and mobile accounts. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-03-19
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. (TX)

XXXX XXXX XXXX and Transunion should not be reporting the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old. Also, the bureaus are not reporting this account as in dispute. This account in fact is in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.