davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MA)

I was charged an annual fee of {$49.00} to my credit card account ending in XXXX on XXXX. 
I called US Bank on XXXX and the representative offered to waive the annual fee, and I accepted this offer. 
As of XXXX the fee was still posted to my account, so I again called US Bank. The representative told me they were unable to waive annual fees. This directly contradicts the conversation and the offer I was given on my previous call.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In XXXX I opened an account with Capital One and initially was approved. The company claimed during the pandemic that I was 60-120 days behind. Payments were scheduled via my personal checking on time but would be returned due to a lack of funds. I found out that the company had attempted withdrawls 10 to 20 days after the authorized payment date but yet it says that payments are only supposed to take 3 to 5 days. When I called the company on it I instantly heard how I could use my card for " quick payment '' but yet nowhere on their website does it say that. 

During the follow up I agreed to and paid the amount needed to get it caught up. I was told that if I made 3 consecutive payments my card would be reinstated. Capital One was also made aware of the affect the pandemic was having on my earnings. Despite that I made the catch up payment, a regular payment an additional payment after scheduled regular payment was made and paid the remainder of the balance. Capital One not only made a harassing phone call after the balance was paid claiming I had a late payment which was found not to be the case but they have refused to reinstate my card stating that I was 60 to 120 days behind yet only one of the payments was 2 days late. Capital One was asked by me to close my account since they have refused to reinstate it.

Capital One has fraudulently kept the account open on restriction and continues to report incorrect information to the credit bureaus. They continue to send pre approved offers to me and have recently denied my application for either their XXXX XXXX  or the rewards card if not approved for the latter. Their reasoning was based on the fraudulent misinformation they continue to report while continuing to fraudulently keep open an account I can not use and should be able to use. 

Overall Capital One needs to be investigated for their fraudulent practices as well as to why there was no mention that a debit card could be used to make payments online.
Consumer complaint received 2023-07-20
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. (IL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am writing this complaint on some unauthorized credit inquiries that I discovered on my credit report, none of the inquiries that I saw was not approved nor authorized by me and it violate my consumer right, In Accordance with the FCRA section 611 this companies violated my consumer right. 


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 2022-04-12
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. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX XXXX U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Re : {$2700.00} dated : XX/XX/XXXX and XX/XX/XXXX To Whom It XXXX Concern : On XX/XX/XXXX and XX/XX/XXXX, someone gained access to my accounts through Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX As a result, fraudulent charges for {$2700.00} were debited from my bank accounts. As I have my debit card and have never authorized that payment, I believe that my banking mobile app was hacked, and passwords stolen. In the amounts listed below. 

XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX I believe this to be true because my XXXX XXXX was compromised in XXXX. When I contacted wells fargo bank at that time they ran an investigation and it was said to be true. Since that incident, I deleted XXXX XXXX and believed my concerns had been resolved. Unfortunately, now the issue has arisen with XXXX. As a XXXX I have found that my clients prefer using digital money as form to make payments. In light of recent events, I have decided to remove all online banking apps containing money. 

I informed the bank wells fargo on the day of the theft. They have failed to reimburse me or try to understand that I did not authorize these charges. I contacted XXXX and they referred me back to my bank because it was through the mobile app.
Consumer complaint received 2022-01-28
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: FORD MOTOR CREDIT CO. (NY)

The problem is on two sides. It rests with both XXXX and Ford Motor Credit. On the Ford Motor Credit side, they had not reported anything to my credit report since XXXX. However, I was trying to clean up my credit report and I noticed there was an unpaid debt on there from a totaled XXXX XXXX XXXX XXXX that I missed a payment on. 

After settling the debt with Ford Motor Credit in XXXX of XXXX, they didn't just report to XXXX that I settled the debt. They also reported that it was in a state of charge-off, which they had not reported for 4 whole years prior. This wouldn't ordinarily be an issue, except XXXX has taken it upon themselves to convince XXXX that this charge-off happened in the months of XXXX and XXXX of XXXX, which is wildly incorrect. This debt was owed for a very long time before I paid it off. There is no way it became charged-off RIGHT AS I PAID IT OFF. 

I have tried multiple times to dispute this with both XXXX and with Ford Motor Credit to no avail. With my last attempt to dispute this, I explained in a very detailed manner why and what was at issue to the XXXX personnel, and they said the report was updated BUT NOTHING HAS CHANGED. 

I have run out of options. Despite my otherwise decent credit report and attempting to do the right thing in this circumstance, the recency of this alleged charge-off has prevented me from obtaining any other forms of credit that I very much need to acquire ( an auto loan, and a debt consolidation loan- both rejected because of this erroneous and punitive charge-off entry in my credit report ).
Consumer complaint received 2022-04-12
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 called Experian several times to have the XXXX XXXX ( XXXX XXXX XXXX ) dispute resolved and the dispute commentary removed from my credit report. The Experian employees have continually told me that the account is not in dispute and that there are no dispute comments in the comments section of the XXXX XXXX XXXX account, but I have printed my report on Experian and XXXX and I am seeing that the account still has dispute commentary in it. I can not obtain my mortgage with any dispute comments on my credit report. Experian and their inaccurate financial reporting with regards to the dispute are preventing me from being a first time homebuyer.
Consumer complaint received 2017-08-25
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 (NM)

I work for the Consumer Financial Protection Bureau and by law ca n't have my phone for privacy reasons so it is left at home. I got home and immediately scheduled my payment. It indicated it would not post until XX/XX/XXXX and was due XX/XX/XXXX. I was devastated. I immediately called and spoke with XXXX and he stated he could not process on the XX/XX/XXXX since it was after XXXX XXXX EST ( XXXX EST ). I asked to speak with a supervisor and he connected me with XXXX (? ). He told me he could n't accommodate me. I asked to speak with his supervisor and was advised I would be able to speak with her in 24-48 hours. I have been a card holder since XX/XX/XXXX and have never been late. My payments have either been early or on time. I advised I had the same issue with XXXX credit card and they were understanding and accommodating.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Unknown account XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$1100.00} Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone XXXX XXXX XXXX XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History
Consumer complaint received 2019-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

2 years ago I started my effort to Pay in Full my student loan Bill. I call XXXX XXXX many times to rehash the topic I was told by members of the US Department of Education loan officer that My loan was consolidated to my Ex-wife 's daughter, Not my " spouse and that I can not separate these loans apart. They said this is Fraud. I have called the Attorney General office, the Ombudsmen, and XXXX XXXX and heard them say the same word or term FRAUD! I have asked them to un-due, dissolve this consolidation going on for the past 2 years. Each agent I spoke with said the term '' FRAUD '' but send me down the road to another department having to explain to each agent the whole story coming back with fraud and consolidation could only be if it was for my Wife. Not " Step Daughter ''! 
So once again they send me and my effort to pay my student loan to another department to Again repeat the story. I am now in the process of hiring an Attorney to sue each and every one of these US Department of Education! They allowed this consolidation to take place knowing it to be fraud and not a CO-SIGNING. 
If you please advise me or procedures to have them do their business and stop pushing My Can Down The Road! This loan is now in Forbearance and I refuse to pay for a student who BTW works for a Non Profit organization and her real father was suppose to pat for most of her College education which UI believe this money 's was hidden from me by my wife at the time that she asked me to Co-sign. Thx You, XXXX
Consumer complaint received 2022-04-12
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 called Experian several times to have the XXXX XXXX ( XXXX XXXX XXXX ) dispute resolved and the dispute commentary removed from my credit report. The Experian employees have continually told me that the account is not in dispute and that there are no dispute comments in the comments section of the XXXX XXXX XXXX  account, but I have printed my report on Experian and XXXX and I am seeing that the account still has dispute commentary in it. I can not obtain my mortgage with any dispute comments on my credit report. Experian and their inaccurate financial reporting with regards to the dispute are preventing me from being a first time homebuyer.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NC)

XX/XX/XXXX CREDIT CARD : BELK REWARDS MASTERCARD Bank : Synchrony Bank Issue : Decreased credit line due to my mortgage balance not decreasing when it was in the COVID 19 moratorium. 

Synchrony Bank performed a credit check and decided to decrease my credit limit. They sent me a letter stating that the reason for the decrease is that my mortgage balance has not decreased over an extended period of time. I have only one mortgage account and the reason it had not decreased is that it was in a mortgage moratorium covered by the CARES ACT of XXXX. I called to discuss this with the bank and they refused to review the limit decrease. 

I believe this is a violation of the CARES ACT of XXXX since it does indirectly adversely affect my credit due to COVID 19.
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (IL)

On XX/XX/21 I was notified that something negative was placed on my credit report. I checked and saw a collection for {$450.00}. I didn't know what the charge was for so I disputed the charge on XX/XX/21, requesting additional information about the charges. 

The response that I received stated that the debit was verified, no documentation to support the charges. Prior to this I never received any calls, letters, or emails pertaining to this debt. Upon investigating I found that this is a debt from 37 years ago with the Illinois Dept of Human Services. 

My complaint is that this is on my credit report for I don't know how long and I was never given the option to settle this after 37 years. Isn't there some sort of statute of limitations on debts? If there isn't I should have been given the opportunity to settle this debt, as now my credit score has dropped because Harvard Collections took it upon themselves to put this on my report without allowing me to pay it off. 

This is a small amount of money and I hate that it has affected my credit rating for the next 7 years. 

I tried calling the company on XX/XX/21 and apparently you can't get through. I'm told to approve the message that I left, but the strange thing is I didn't leave any messages and wasn't given a prompt to leave a message. The number I called was XXXX. 

I would like to get this off of my credit report.
Consumer complaint received 2022-01-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, 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 ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. It has been over 30 days so they should be deleted promptly. I'm demanding that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

XX/XX/XXXX XXXX XXXX was bought by XXXX XXXX. 

XX/XX/XXXX I paid the {$110.00} bill with my bank. only owed {$100.00}. 
XX/XX/XXXX Payment processed, but was never posted. 
XX/XX/XXXX It popped up on my credit report. IC System refused to go back to the creditor to validate the debt. It was taken OFF my credit, but put back on XX/XX/XXXX. I'm in the process of buying the house. ICS wouldnt give me a phone number to expedite providing proof. 
XX/XX/XXXX IC Systems puts the account back on my credit report. XXXX would not let me dispute it online WITH the proof. XXXX says the dispute was satisfactorily validated. how? I have the documents. I want it removed AND compensation for the trouble.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022 I tried to make a online payment. The payment did not go through and no confirmation number was given. I called and attempted to make a payment on the phone and was informed the account had been closed due my credit union rejecting 2 prior payment attempts stating there was a account number entry error.

I asked the gentleman working at sam 's club synchrony bank if the payment that I had attempted to make would be withdrawn from my account and he stated " no the account is closed ''. I immediately went to sam 's club and made a debit card payment. On XX/XX/2022 I found out the sam 's had taken the online payment from my bank account. 

I immediately called sam 's synchrony bank asked for the online payment to be returned to my account and was told sams would return the money in 7 to 10 business days. 

I have made at the minimum of 5 calls as of XXXX to inquire as to the the status of the return payment of the balance of my sam 's club account {$1100.00} and now have been told that Sam 's is not wanting to return the money because they don't know if the bank actually paid them. 

I have included the copy of the statement from Sam 's club account which shows the credit balance of {$1100.00} sitting in a now CLOSED account and the statement from my bank showing the two payments that were withdrawn and paid to sam 's club synchrony bank.
Consumer complaint received 2017-01-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Linda Strumpf (FL)

I was contacted in or around XX/XX/XXXX by a collection agency claiming to have a judgment against me and demanding payment. The judgment was supposed to have been imposed in XX/XX/XXXX for a debt that I knew nothing about. I never knew about the judgment until XX/XX/XXXX when I received the first communication. I have written to the collection agency and both of it 's " attorney 's '' stating the debt is not mine and they must have the wrong person. I have asked for validation of the debt and all I received was the judgment order from XX/XX/XXXX. I was threatened with wage garnishment and now a subpoena to show all of my financial assets for the last 3 years. I have contacted the original creditor they claim I owed and they have no record of me owing this debt. I have relayed that to all parties involved and I am still getting threatened with legal action. I have overwhelming proof that this debt is not mine and since I never knew that this judgment was filed against me. It has cost me a lot more than what I have spent trying to get this cleared up in the recent months.