davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (WI)

This complaint is regarding XXXX XXXX XXXX billing and fee practices. 

In XXXX of XXXX, we received a bill from XXXX XXXX XXXX stating we owed XXXX {$430.00} for a bill we did not pay. 
I assumed it was a scam letter until I tried to call XXXX. 
No one in any department would speak to me at XXXX because this bill was in collections. 
I had no way to know what happened and what the bill was for until the XXXX XXXX XXXX sent me a copy of the XXXX bills ( all stating these bills were not mailed to us ). 

My notes : XXXX ) All my XXXX bills are mailed to me so I have a paper copy reminder to mail my bill. 
XXXX ) I do not use this card often. At XXXX, XXXX, XXXX, I charged {$130.00}. 

This is what I learned through written correspondence, as XXXX will only let you investigate by snail mail. 
XXXX ) XXXX mailed my bill in XX/XX/XXXX. All our bills were forwarded for XXXX months while we were in CA with my parents. 
XXXX ) XXXX  does not forward bills so it was returned to XXXX. 
XXXX ) For the next XXXX months, XXXX did not send me a bill, did not call me, did not attempt to email me ( all this information is on file ). 
XXXX ) Each month they charged me interest fees and late fees. 

My first letter from XXXX simply listed what XXXX did ( charged late fees and interest each month because the bill was not made ). The last line states they sent me a bill ( but XXXX does not acknowledge that bill was not forwarded ( as is there practice ) and does not acknowledge never mailing me any of these bills. 

I have ( had ) excellent credit. 
We always pay the full amount of our bills each month ( unless a XXXX interest rate is offered ). 

I have repeatedly asked XXXX for a reasonable response to their business not notifying me during these XXXX months of late fees but they only send the same letter again and again. I have not been able to talk with a human at XXXX. 

In contrast, the credit collection company has been exceptionally informative of the XXXX practices of not forwarding bills and mailing me copies of the bills that clearly state, they were not mailed to me. 

PLEASE HELP ME!!! 
I contact the XXXX XXXX XXXX XXXX MN, and XXXX sent them the same letter that mailed me. BBB said they are only mediators. 
I sent the entire documentation to the Attorney General 's XXXX XXXX MN and after XXXX weeks they contacted me and said I need to work through WI, my home state. 
WI XXXX XXXX XXXX sent me to the WI XXXX. of XXXX XXXX who sent me to the XXXX XXXX XXXX Comptroller of the Currency who sent me to the XXXX XXXX XXXX.
Consumer complaint received 2023-02-02
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)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-02
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. (MI)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-02
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. (NY)

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2022-02-20
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 (TX)

I was charged an annual fee of {$59.00} on XXXX XXXX, 2022 for the Capital One XXXX credit card. 

On XX/XX/2022, XXXX days after the annual fee posted. I called a representative to request cancellation my card and refund of the annual fee. Per the terms of the card, the annual fee can be refunded if the card is cancelled fewer than XXXX days after it posts on the account. The representative proceeded to close the account and assured that the fee would be refunded. 

On XXXX XXXX, 2022, I noticed that my account was still open and the annual fee was still being charged. I called a representative to inquire about this, and they said that they will no longer be able to refund the fee as it has been more than 40 days after the fee posted. The credit card account had also not been closed. 

There is evidence on my account that I called on XXXX XXXX, 2022 as a {$0.00} XXXX XXXX points redemption posted on my account. This is a redemption that I can not make on my own as there is a minimum point redemption amount that is greater than {$0.00}. The agent made this redemption at the time. The screenshot is attached. 

There is also evidence on my phone of an outgoing call to ( XXXX ) XXXX, the Capital One customer service number, on XX/XX/XXXX during which I first attempted to close the account and obtain a refund of the annual fee. The screenshot is attached.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

between XXXX XX/XX/24 and XXXX XX/XX/24 my coinbase crypto account was hacket and {$120.00} US were stolen in different coins, they were transfered from my account in coinbase to diffrent crypto wallets by the hackers. 
when I realized what happended I was able to log on to the account via the fascial recognition on the phone and saw that {$120.00} were stolen in coins and {$8.00} were still in the account by the time I was able to locked and start the process with coinbase support help desk. 
case number was created by coinbase and later on XX/XX/24 coinbase sent me an email with the IP address of the perpetrator and the wallet transations that took place over that weekend.
Consumer complaint received 2023-07-28
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. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (HI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I REQUESTED THE METHOD OF VERIFACATION FROM TRANSUINION THEN THEY STATED THE US BANKRUPTCY COURT WAS WHO THEY VERIFIED THE ACCOUNT THRU. I WROTE THE BK COURT AND THEY WROTE ME A LETTER STATEING THAT THEY DO NOT REPORT TO ANY OF THE AGENCIES, I WROTE XXXX XXXX THEY SENT A LETTER SHOWING THE ACCOUNT DELETED AND THAT LETTER WAS SENT TO TRANSUNION AND THEY STILL WILL NOT REMOVE THE BANKRUPTCY. THESE LETTERS OF COMMINACTION ARE ATTACTED IN THE UPLOAD. THANKS FOR YOUR TIME.
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

Account was paid in full, and the company admitted thru a previous complaint it was paid, and the account would be closed and removed, yet it's still listed as open, with XXXX balance, as a derogatory remark on my credit report.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (PA)

TRS Recovery Services attempting to collect debt that was the result of fraudulent/identity theft charges that occurred on XX/XX/2024 and XX/XX/2024, totaling {$150.00}. My financial institution reviewed the charges in question, and after deeming that they were the result of fraud/identity theft, refunded the {$150.00}. I provided documentation on this to TRS Recovery Services, however they are still stating that the debt is in an active status and required to be paid.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX Subject : Request for Removal of 30-Day Late Payment Mark from Credit Report Due to Inaccuracies Dear Sir/Madam, I am writing to dispute the accuracy of the 30-day late payment mark that appears on my credit report provided by XXXX. After carefully reviewing my payment history, I believe this late payment mark is inaccurate and unfairly impacting my credit score. I kindly request that you investigate this matter and remove the late payment mark from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX XXXX Inconsistencies and Violated FCRA Sections : 1. **Inconsistent Reporting - FCRA Section 623 ( a ) ( 1 ) ( A ) : ** XXXX reports a " No. of Months ( terms ) '' as " 18, '' while Equifax shows it as " 0. '' This inconsistency in reporting violates FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information to consumers. 

2. **Reporting Credit Limit for Installment Account XXXX FCRA Section 605 ( a ) ( 6 ) : ** XXXX, XXXX XXXX and Equifax report a " Credit Limit '' of " {$0.00} '' for an installment account. However, installment accounts do not have credit limits, and reporting such information is inaccurate under FCRA Section 605 ( a ) ( 6 ). 

3. **Inconsistent Past Due and Payment Status - FCRA Section 607 ( b ) : ** The " Past Due '' amount and " Payment Status '' for the XXXX XXXX account are reported differently across all three credit bureaus. XXXX reports a " Late 30 Days '' status, whereas XXXX and Equifax do not specify any late payment status. This inconsistency in reporting the payment status violates FCRA Section 607 ( b ), which mandates accurate information maintenance and consistent reporting across credit reporting agencies. 

4. **Inaccurate Late Payment Mark - FCRA Section 623 ( a ) ( 2 ) : ** The presence of a 30-day late payment mark on my credit report is inaccurate and is negatively affecting my credit score. FCRA Section 623 ( a ) ( 2 ) requires credit reporting agencies to promptly correct and update any inaccurate information in a consumer 's credit report.

I request that you conduct a thorough investigation into these discrepancies and remove the 30-day late payment mark from my credit report as soon as possible. Once the correction has been made, I request that you provide me with written confirmation of the update, as required by the FCRA. 

Enclosed with this letter are copies of supporting documentation that substantiate my claims regarding the inaccuracies in the late payment mark. I urge you to address this matter urgently to restore the accuracy of my credit report. 

Thank you for your attention to this request. I look forward to a swift resolution and the removal of the 30-day late payment mark from my credit report. 

Sincerely,.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act. XXXX XXXX I OWE {$1200.00} DATE OPEN XX/XX/2023 & XXXX XXXX I OWE {$1700.00} DATE OPEN XXXX are not the Original Owners 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 any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts.
Consumer complaint received 2018-07-06
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. (CA)

Last XX/XX/2018, I sent a letter to XXXX/XXXX   including a copy of my FTC report and a copy of my police report. On the same day, I also sent this credit bureau a letter to dispute some items on my credit file, name : Bankruptcy Ref # XXXX and XXXX/XXXX  ref # XXXX. The Bankruptcy reported 's open date is incorrect and this item doesn't belong to my credit report. For the XXXX account, there has been problems receiving statements and notification due to Id theft and stolen mail. I called XXXX/XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX, and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

- XX/XX/XXXX Loan funded/started for a XXXX - XXXX, I removed the included walls-in insurance from escrow and decided to manage it outside of escrow to account for changes in the insurance market. 
- Have never been late on mortgage- Have never had a lapse in coverage and insurance renews and is pre-paid for the entire year annually in XXXX - XX/XX/XXXX, escrow analysis was performed and they added back insurance into my escrow with XXXX notice before additional {$260.00} was debited from my bank account monthly. 
- Called to dispute, explained situation that insurance has been ( for years ) fully funded outside of escrow. 
- XX/XX/XXXX, send demand letter to NewRez demanding to remove the insurance escrow and to refund additional monies overpaid as it was both placed fraudulently and never authorized by me. 
XX/XX/XXXX, Newrez performed new escrow analysis and recalculated the escrow payments, removing the insurance escrow, but refuses to refund the additional monies fraudulently taken from my bank account. 
XX/XX/XXXX, Newrez send an account update to credit unions in retaliation for my demand to refund my monies saying 'consumer disputes account ' - this result has caused an 18 point drop in my credit score. I do not dispute the account, I demand to be made whole.
Consumer complaint received 2023-02-02
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. (NY)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Consumer complaint received 2023-07-28
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, XXXX and equifax credit bureaus.The debt is not owed.The debt is from an older car lease which was subsequently rolled into a new one.The car dealer stated there was no outstanding debt that was not rolled into the new lease.I have included the lease contract for confirmation of this fact.
Consumer complaint received 2023-07-28
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. (TX)

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 correct : XXXX XXXX : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance XXXX {$37000.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America Denied my consumer transaction, I processed a consumer transaction in which i was denied, I was supplied with any information regarding the denial of my credit. I have tried to resolve this issue but unfortunately i was hit with a generic automated system that shared no information at all.
Consumer complaint received 2023-01-13
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)

My family and I were affected by Hurricane Ian and Nicole during the months of XXXX and XXXX in 2022. I called XXXX  XXXX XXXX on XX/XX/2022 and Spoke to XXXX to explain my situation and hardships with payments due to the hurricane and he advised me that the late fees would be removed from my credit card account and no late payments would be reported to the credit bureaus. My credit report has a late payment for the month of XXXX. I tried to dispute this with XXXX XXXXXXXX XXXX multiple times and they will not remove this from my credit reports. Even with the difficulties we endured during this natural disaster I still made payments on my account in XXXX and XXXX. I have been banking with XXXX XXXX XXXXXXXX for almost 10 years with my oldest credit card account of 6 years and not a single late payment with them.