davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
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 (NY)

Payments on my Capital One Credit Card are due on the XXXX of each month. I proceeded to make my payment through the mobile app on the XXXX of XXXX, only to incur a {$20.00} late fee on the following day. As a result, I called the Capital One customer service to explain the error on my account. The representative explained that payments must be made by XXXX on the mobile application and refused to reverse the fee assessed regardless of the same day payment. 

This practice appears to be deceptive as the card agreements refer to due dates, not specific times.
Consumer complaint received 2019-03-27
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. (CA)

I am a co-signer on my husbands lease account with XXXX XXXX XXXX. There have been two 30 day late payments reported to my credit report without me being notified that the payment had not been made. My husband and I are currently separated. I never received a phone call or a letter about this account running or being late. This is unfair and unethical. My credit should not suffer for someone else 's mistakes. I am the CO-SIGNER and not the primary account holder. If someone called me from XXXX I would have made the payment myself. The first late payment was in XX/XX/XXXX and the second late payment was XX/XX/XXXX. I reported this information to Equifax but a thorough investigation was not done.
Consumer complaint received 2019-03-27
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (AZ)

I am writing to dispute an inquiry and debt that were placed on my credit report which are at best inaccurate or worst, fraudulent. Security Credit Services , LLC placed an inquiry and debt collection account on my credit report without my knowledge or any attempt to contact me about an outstanding debt. Instead, I had to contact Security Credit Service in XX/XX/XXXX once the changes were made to my credit report to inquire why a new debt was being reported. In the course of gathering information I have received documents addressed to another individual not associated in any way with me, contradictory balances of the alleged debt and incomplete information regarding the ownership of the alleged debt. Furthermore, outdated or incorrect mail and email addresses have been used repeatedly to communicate despite Security Credit Services and XXXX XXXX XXXX, XXXX having my updated contact information from their credit report inquiry and being provided with accurate email addresses. Each time I told XXXX XXXX XXXX, XXXX that I never received the documentation in question they were unprofessional and rude until they finally would forward the documentation to the correct email addresses and I could prove that they were originally using incorrect address and emails. I have been trying to resolve this issue since XX/XX/XXXX but still can not get complete, accurate information from Security Credit Services and XXXX XXXX XXXX, XXXX. 

Attached are the original loan document that was charged off by XXXX/XXXX in XX/XX/XXXX, emails between myself and XXXX XXXX XXXX, XXXX, incomplete chain of ownership that does not show any identifying loan information to prove it applies to the original loan or XXXX, incomplete payment history showing a different amount due and a settlement agreement with a different amount due addressed to another person with my address from years ago. 

I have tried to work directly with Security Credit Services but they always redirect me to XXXX XXXX XXXX, XXXX so I have mailed a formal request for validation of debt to both Security Credit Services and XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am unsure of how anyone was able to access my credit file without my knowledge. There are several items reporting that does not belong to me. These is are reporting as a result of identity theft. Please assist me in getting these items removed from my credit file Incorrect Name Reporting : XXXX ( I don't write name altogether ) ; XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that is reporting on XXXX only.
Consumer complaint received 2020-11-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown accounts on my credit report. It has been just over 60 days and I still have yet to get a response. I feel as though they are refusing to start an investigation and this is causing me serious financial problems in my life. According to Section 611 ( a ) these accounts need to be deleted immediately!
Consumer complaint received 2019-03-27
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I am a co-signer on my husbands lease account with XXXX XXXX XXXX. There have been two 30 day late payments reported to my credit report without me being notified that the payment had not been made. My husband and I are currently separated. I never received a phone call or a letter about this account running or being late. This is unfair and unethical. My credit should not suffer for someone else 's mistakes. I am the CO-SIGNER and not the primary account holder. If someone called me from XXXX I would have made the payment myself. The first late payment was in XX/XX/XXXX and the second late payment was XX/XX/XXXX. I reported this information to XXXX but a thorough investigation was not done.
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CA)

National Recovery Agency ( NRA ) has improperly aged the real date of first delinquency ( on XX/XX/2018 ) to the service date ( on XX/XX/2018 ). NRA did not mail me any notice before regarding this matter, and they just reported this open credit debt to my history. 

My corresponding insurance claim shows that the medical center submitted the claim very late on XX/XX/2018 ( more than 3 month after the service date ), and then they billed me on XX/XX/2018. If an account is established under what is called open-type credit ( not to be confused with an open account ), then the full amount is due when billed. By the law, the consumer has 180 days from the day of first delinquency to pay the medical account before the agency is allowed to report it to the credit bureaus. But NRA reported it on XX/XX/2018 based on their previous feedback to my complaint in CFPB. 

( 1 ) NRA did not send any collection notice to me before reporting. 
( 2 ) NRA altered the date of first delinquency. 
( 3 ) NRA reported the account before 180-days period.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX XXXX XXXX, Several CFPB Complaints with the same bank Huntington Bank and same Checking Account, Substitute Checks USURY of Criminal Extortion XX/XX/2019 {$140.00} V - {$7.00} Bank Balance, Guardian Annuity Deposit XXXX of the month, Criminal Extortion and Embezzlements. Huntington Account # XXXX
Consumer complaint received 2018-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/2016 the Judge XXXX XXXX XXXX XXXX XXXX. Denied the Plaintiffs Motion to Substitute Party. ( See Attached ).

Now PennyMac want to collect money for me of engaging in business practices that are immoral, unethical, oppressive, unscrupulous, and harmful to me. ( See Attached ).
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money .XXXX XXXX Id:XXXX .its not fair its bringing my score down badily
Consumer complaint received 2020-11-06
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. (NV)

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC ()

The debt was paid in full total payment received {$140.00} on XX/XX/2019 Creditor XXXX XXXX XXXX XXXX. Collection agency ERC collected {$140.00} Plus theyre over the phone fee of {$1.00} Totaling {$140.00}
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit reporting Act XXXX  has violated my rights 15 U.S.C 1681 section 602 A Stats I have the right to privacy. 15 U.S.C 1681 604 A section 2 Stats a consumer reporting agency can not furnish an account without my written instructions. Account Number XXXX XXXX, Account number XXXXXXXX XXXX, Account number XXXX DPT EDXXXX, Account number XXXX DPT EDXXXX, Account number XXXX DPT EDXXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX, Account number XXXX XXXX XXXX Account number XXXX,
Consumer complaint received 2018-04-12
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 — Investigation took more than 30 days
Company: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/XXXX. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA PUBLIC FILINGS US BKPT CT IL XXXX XX/XX/XXXXBKPT CHPT XXXX DIS
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

My debit card and phone was lost There was purchases on a crypto currency site using my card in XXXX When the first set of transactions posted they gave me a provisional credit and told me when the second set post call back to make a claim which I did and they denied me i reached out to the site where the purchase was done who confirmed that it was not done by me and told me to start a charge back in which thats the only way they can pay me back because its a crypto currency site and they have certain rules to follow
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

first know i wont be using ANY of my 8 accounts i have had in excellent standing until this is resolved the right way i am also asking for refund of any interest on my current stmt based on my excellent long term record. 
I knew the XXXX charge would be rebilled from XXXX they are hard to deal with. i am reporting them to attorney general. As i told the bank. the tickets i paid for one was scalped my kid got no seat i am not paying for the ticket and ther one size fits all refund policy wont address it approriately. 
This has to do with my card ending XXXX i want my money back or a credit with XXXX if you cant help me i cant use the card i had another problem with XXXX XXXX with them and had to fight for my rights. please credit my account or i will accept a credit with them. but my kid got NO seat i paid for in XXXX due to scalping i did report it. to them nothing done. My relationship with you depends upon this being handled right. 
Again please credit any interest on my account due to my long term relationship here. and handle this right. i will accept no other answer and i am " unable '' to use my 8 accounts until this is handled approrpaitely either a credit with XXXX for another event. or a credit on my credit card I DID NOT GET what i paid for and they can prove nothing different. this is NOT covered under their refund policy and the one size fits all approach you used in your dispute process falls short of recognition of that.
Consumer complaint received 2023-07-26
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: Resurgent Capital Services L.P. (WA)

A collection company named LVNV Funding LLC is reporting that I have a debt of {$2900.00} and it was originally with XXXX XXXX XXXX. 
I have never dealt with XXXX for any service, at any time in the past at least 10 years, if ever. This account is absolutely not mine. I disputed it but its still on both my XXXX account and my XXXX account. It was also on my XXXX account and I disputed it there as well and they removed it. 
Please help me. 
Im in the process of repairing my credit as it is, and I need to move soon, so my credit score will be critical. Thank you!
Consumer complaint received 2021-05-09
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. (MN)

Ive reached out to equifax about errors on my credit report about inaccurate information and informed them to remove it due to providing incorrect info on my file but they still continue to report it these accounts that been reporting incorrect information. 

Accounts are as follow 1. XXXX  XXXX  XXXX  XXXX  2. XXXX  XXXX  account # XXXX
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TapTap Send Inc. (VA)

Transferred money on XX/XX/XXXX to XXXX, money was supposed to reach receiver in minutes, it has been 5 days, XX/XX/2024 and there is no ETA as to when the money will arrive. Their excuse is they can not cancel the transaction although they took my money out of my account already.
Consumer complaint received 2019-03-25
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 — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc. (TX)

XXXX XXXX XXXX is incorrectly reporting an unpaid account in the amount of {$560.00} ( page 19 of the attached credit report ) partial account number XXXX. This account was sold to Consumer Portfolio Services for collection. I do not have XXXX and this account does not belong to me. This account is over 7 years old and the statute of limitations has expired. This incorrect reporting is harming my credit score.
Consumer complaint received 2021-05-09
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: Neon Newco Corporation (AL)

Netspend issued a credit card to my XXXX XXXX XXXX son. When i called them they stated that they were just marketing and that is why the card was sent. They stated that his information was pulled via his public records. I told them that he is XXXX XXXX XXXX, he does not have public records.
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I had a mortgage with AmeriHome Mortgage which was paid off on XX/XX/2019. My loan number was XXXX. We were told at closing that the escrow account balance would be mailed to us in 30 days. As of this date, we still have not received it. 

I called AmeriHome customer service in XXXX and was told their policy is the company will wait 30 days after closing to process the payment. As our loan was closed on XX/XX/2019, the check would be mailed the end of XXXX. I have called numerous times in XX/XX/2019 inquiring where the check was as we had not received it. I was told it was cut on XX/XX/XXXX. But they offered to stop payment and reissue but it would probably take another 30 days before we receive it. 

In talking with XXXX ( would not provide last name ) a customer service representative on XX/XX/2019, she told me that AmeriHome cuts checks but does not mail them out for a week in order to allow approval. I asked her to stop payment and reissue and expedite it. She said she could not expedite.. I asked to speak to a supervisor. XXXX ( XXXX ID # ) came on the line and told me he can stop payment which will take 5-7 business days, Then they would request a replacement check which would take time with the check needing to go through another 5 business day period for approval and then he could request that the check be overnighted but he could not guarantee they ( another dept within AmeriHome ) would approve it. I said I would pay for it but he said no that should not be necessary. 

I explained to XXXX that I was going on vacation out of the country and was counting on the money for my vacation. I am leaving XX/XX/XXXX ( early XXXX ) for 15 days. I told XXXX I really need that check before that. 

I apologize for the long story, but given my situation I wonder if the first check was ever mailed. It should not take 30 days to get money sent back to a homeowner. In fact, it should be given back at closing. I wonder if this process is structured such that AmeriHome can keep prior borrowers money until we scream so they can invest it during this time.
Consumer complaint received 2022-06-15
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. (PA)

In accordance with the fair credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-25
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. (PA)

I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money XXXX XXXX IdXXXX .its not fair its bringing my score down badily
Consumer complaint received 2018-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I opened a business checking account with Chase on XX/XX/XXXX and it was closed by chase on XX/XX/XXXX, without any reason as to why ; only told " they could not maintain my account '' They have no problem issuing me a credit card for the business and personal. I am just looking for the reason that caused them to shut down my account ; and whether it is warranted or something I can clarify.
Consumer complaint received 2021-06-10
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. (NC)

How do I report companies for false and deceptive information? Companies can not simply misconstrue the law and tell consumers they are operating under the law when they give out false information and it affects people 's lives! I put in a CFPB complaint about my consumer report where a company did not follow 15 USC 1666b ( a ). I was then told as a response by XX/XX/XXXX the following message ; " Additionally, when a consumer enters into a financial obligation the consumer is agreeing that the creditor has the right to report this type of information to the credit reporting agencies. '' NO, A CONSUMER IS NOT AUTOMATICALLY AGREEING TO CREDITOR HAS THE RIGHT TO REPORT AUTOMATICALLY! THE CREDITOR NEEDS WRITTEN CONSENT BY THE CONSUMER FIRST! EXPERIAN 'S STATEMENT IS FALSE AND MISLEADING! 

Why? 

because it states it law the exact opposite must occur! And I quote 15 USC 6802 ( b ) ( 1 ) ( A ) ; " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. '' Meaning I have to give written permission to agree for that creditor to report my information! Why wouldXX/XX/XXXX give me a deceptive answer like this? Who wrote this response? They should be held accountable as this is a violation of 15 USC 1611 ( 1 ) for giving " ... .false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. ''