davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX I reached out to Capital one and asked to close my account. XXXX from XXXX, Fl ( IED # XXXX ) confirmed it on XX/XX/XXXX. That this account was due to close XX/XX/XXXX. I paid them and spoke with a supervisor because I was still getting notices that I owed. So on XX/XX/XXXX I paid the balance in full {$180.00} and asked the supervisor I was speaking to at the time Is this my last payment am I sure there will be no more fees. Unfornately, there were some charges after that and I did not find out until I checked my credit report and seen it said account was still open in XX/XX/XXXX. I reached out again and stated to them this account has been closed and since then there have been no activity on the account. At all. I was charged {$2.00} in XXXX and {$8.00} in XXXX Which I see it was making my credit score decrease. so I paid the {$8.00}. My account was closed on XXXX but it is stating on my report it was closed XX/XX/XXXX ; and XXXX XXXX and XXXX. Which This two inaccurate dates and the closing of XXXX is inaccurate. I am trying to get those late payments removed because it is taken a toll on my credit.
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp. (MI)

According to THE FCRA I did not give ( TrueAccord ) any permission to furnish any information, I did not give written consent or verbal consent, that is a clear violation of 15 u.s code 1681b please remove from my credit report immediately.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

I do not have a credit card number to provide because I dont have the card and they wont provide it. All I know is it ends in XXXX. In order to get the number they said they needed to send me a new card. More confusion. 


Credit card issuer Citi Rewards+ is unable to provide details of a purchase/s that they say was made and Ive been paying on monthly for two years. Im not sure how long Ive been paying because I have no information provided to me on their website before XX/XX/2023. 

A new number was issued they said, and a new card was supposedly sent out that I never received. I asked if anything was activated- no. 

Online statements start in XX/XX/2023. Two supervisors looked back on the old number and show no purchases. One said there was a loan made but could not see details. I have never taken a citi loan nor do I recognize or have any documentation of this new number they are crediting my payments to. 

I requested full documentation, as I have no information to go on via their website and the agent was not able to provide additional details other than mailing in 7-10 business days, which she acknowledged did not show details. She then said file a complaint with the fraud department, which she did. 

Further more, they said I called in in XXXX to dispute charges I didnt recognize. However- there are and have not been any charges to dispute in years, per three agents. I can only see back to XXXX and would, not have any reason to disput e charges that don't exist. I did not receive a new card. 
Ive been paying XXXX XXXX  month in autopay, for how long I am not able to see. I would like to know and see detailed documentation what it is Im paying on and for how long.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

due to the nature of the report ..it is being reported to the three credit bureaus with different information .different dates of openings, incomplete account #, high balance across the three credit bureaus are different, date last verified are inaccurate, date of last activity are different across all three credit bureaus, opening dates are different across all the three credit bureaus, closing dates are in correct, and last payment is questionable.
Consumer complaint received 2019-01-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (PA)

I started making payments in the income based repayment plan in XXXX with my loan provider with XXXX in public loan debt. I was told that I was making qualifying payments for the PSFL program once I consolidated my loans and was in the income based plan. I applied for the XX/XX/XXXXLoan Forgiveness {$5000.00} reduction after 5 years of teaching, not knowing that this would wipe out 5 years of payments I made under the income based repayment plan to count towards qualifying payments under the PSLF plan. I've gone round and round with people saying I will give the $ XXXX back and have been told sorry about your luck, which absolutely isn't right. No where did it say I would forfeit this benefit by taking the reduction and I would have never done it had I known this would be the case. I should have 120 qualifying payments in XX/XX/XXXX, but now this has been extended another 5 years and will cost me over $ 20k. XXXX has also lost some of my payments made from past providers and told me they would look for them and do a recount, but it could take a year. It's already been 7 months. Their company is the absolute worst and if you XXXX  this, there are many others out there that they have done this too. You can no longer track how many qualifying payments you have made on their website either. I also saw a recent study where 99 % of the applicants that tried to get their loans forgiven after their 120 qualifying payments were made were denied. It sounds like a scam to me.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing with Transunion, XXXX, XXXX on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. They send me back a letter that the accounts have been verified and certified. I don't believe that they have been disputing. The 3 accounts with XXXX  have serveral inaccuries Balance amounts, Status, Amount past due These accounts have 3 different amounts and statements on the 3 credit bureaus. How can that be right when they should all be reporting the same information. I have the letters were XXXX sent me that the accounts are 0 deficiency amount. The 3 accounts are Repression 's from XX/XX/XXXX and are still reporting late payment days.
Consumer complaint received 2019-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2019, I contacted Midland Funding LLC. 
Midland Funding and I came with an agreement and settled the amount owed the same day, XX/XX/2019. Midland Promised to remove the account from my credit history on the first cycle of reporting to credit reporting agencies. ( XXXX, XXXX, XXXX ). 2 reporting cycles have passed and the information still appears in the 3 reporting agencies. I contacted Midland on XXXX XXXX to get information on the removal or reporting of information to the 3 credit reporting agencies and they had not cleared up the information. I called on XX/XX/2019 to ask about why they have not reported the payment of the account and they still said they will be reporting on the next reporting cycle. 
I mentioned that they have said the same thing on XX/XX/2019 and they have not done it. 
I made a record of reporting this t0 the Federal Trade Commission for not reporting according to the fair credit reporting Act.
Consumer complaint received 2022-08-29
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. (GA)

in accordance with the Fair Credit Reporting act XXXX Account name XXXX and Account # XXXX, has violated my rights. 

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
Consumer complaint received 2018-03-01
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: CITIBANK, N.A. (MA)

This is the 6th attempt to contact XXXX, and my 3rd complaint with the CFPB regarding misleading, incorrect information on my credit report and I have become emotionally stressed by the fact that XXXX isnt reasonably investigating and fixing this matter. This process has caused me time, stress and opportunities. 

According to 15 US Code Section 1681 ( I ) of the FCRA, I demand that the information for XXXX/XXXX ( Account : XXXX ) be reinvestigated and deleted from my credit report. On XX/XX/XXXX, you stated that you can not delete the information, and that the item had been sent for review on XX/XX/XXXX, and on XX/XX/XXXX it had come back as verified. How? I did not receive a contract with my original signature on it, or any binding agreement that would authorize XXXX/XXXX to report information under my name and social security number. 

Let me be clear. I am requesting that a contract or written agreement with my signature on it be furnished by XXXX/XXXX within 15 days. If a written contract with my signature on it is not furnished within 15 days then I demand that this account be deleted from my credit report. By not providing me with a signed written contract, you and XXXX/XXXX are in direct violation of the FCRA. I have been carefully documenting your willingly noncompliance and have filed a complaint with the FTC. If you fail to conduct a reasonable investigation then I will be forced to file a complaint with the Attorney General in both my state and yours. Please delete this misleading information and supply me with a corrected credit report within 30 days.Thank you.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (LA)

I have previously disputed this bankruptcy that is appearing on my credit report at XXXX and Lexis Nexis and they are continually saying its been verified by the US Bankruptcy court in XXXX XXXX yet Nexis Lexis nor XXXX has provided me with any documentation verifying or validating this account. I am not in bankruptcy nor have I ever been. either way, the reporting requirements do not comply with FCRA 611 ( 15U>S>C 1681 and the information must be deleted immediately from both Lexis Nexis and XXXX. I currently have my XXXX dispute filed with XXXX as well as my second dispute filed with your office. CFPB I am asking you to file this report with Lexis Nexis Corporation, and XXXX XXXX on my behalf, please.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been keeping a close eye on my credit report because I have been a victim of fraud. Transunion is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address XXXX XXXX XXXX XXXX XXXX, MS XXXX, and employer XXXX. There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent TU letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (GA)

I had an outstanding late fees on my account. I went ahead and paid the amount listed on my account on XX/XX/XXXX. A check two days later and this payment was still been reflected on my account. I reached out to Santander customer care on XX/XX/XXXX and spoke to them about this. The informed me that the amount paid was applied to my next payment and that I had to request for the payment to be applied to the amount listed on the account which is the late fee. Please note that no other charge is listed on the account. I then requested for the amount paid to be applied to the late payment charges and I was informed that my account would be updated in XXXX. I checked on the account the next XXXX and the fees were still showing. I again contacted customer care who informed that the amount paid will be reflected on my account on between XXXX XXXX. It is now XX/XX/XXXX and the charges are still on my account and my credit report is still showing that I am behind on my car payments. I contacted customer care this morning and I am still getting the run-a-round regarding the payment been applied to the account. This late payment is affecting my credit score and also interest will be charged on the outstanding amount.
Consumer complaint received 2019-05-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

fcra et al - right to add personal statement! 

For more than 2 years - literally! For more than 2 years - I have been trying to add a Personal Statement to my Experian credit report! 

They keep giving me run-around & stalling! 

Don't they know that they are supposed to allow customers to add those statements? 

Another thing - for months now - I have been a paying customer of Experian! 

And Experian wouldn't even do some of the things that they are supposed to do for the free customers! 


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Consumer complaint received 2019-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Flagstar Bank, N.A. (OH)

On XX/XX/XXXX I received a IRS XXXX XXXX form from FlagStar Bank. Upon reviewing the document, on the interest statement portion, the bank lists a savings account of {$300.00} in interest income. I have never had a savings account at FlagStar which listed account number XXXX. I called FlagStar on  XX/XX/XXXX and spoke with XXXX from the Financial Crimes Unit, who was absolutely no help, she made up excuses and did not want to hear my concerns, she would clear as day *** huff and puff XXXX at me on the phone. I believe the bank is falsifying income that does not exist. I never had a Savings account with them nor ever had an account number of XXXX. This bank is full of XXXX and excuses. I am glad that they closed my checking account on XX/XX/XXXX. Who wants to bank with a bunch of thieves and liars. Corporations like this think they are untouchable and that they cant be sued or fined for bogus acts such as this. They are soon to find out, when i prepare for a {$500000.00} lawsuit for creating bogus accounts with fake, falsified income that never existed. This checking account was a merger from XXXX XXXX to FlagStar, and if correctly, remembered XXXX XXXX was opening bogus accounts and had to settle with many customers. Apparently, FlagStar is following suit.
Consumer complaint received 2019-07-14
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. (FL)

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

XXXX XXXX XXXX XXXX - XXXX - {$29000.00}
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (TX)

I have repeatedly asked this company to stop contacting me. They are seeking to collect debt for someone named " XXXX ''. XXXX has never used my phone number. I have maintained ownership of the # for years now. 

After requesting Do Not Call they have continued to call me in violation of the National Telemarketing Rules.

I am seeking punitive damages and legal remedies against this organization for violating federal laws on DNC.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: I.C. System, Inc. (OH)

Hello. 
I original had and outstanding debt with XXXX XXXX XXXX many years ago, they turned the account over to an Collection agency ( XXXX XXXX ). I called XXXX XXXX and we reached an settlement and I paid instantly the amount they offered which was XXXX on XX/XX/2018. Come XXXX I receive a notice from XXXX XXXX informing me that something was added to my credit report. I reviewed what was on their and it was a new collection agency ( I C SYSTEM INC ) I contacted the company to find out who was the original debtor and I was told XXXX, I explain to the agent that I never had an account with XXXX, then they stated, well, XXXX XXXX XXXX. I implied I did have an account with XXXX XXXX and that we had reached an agreement and it's paid in full. Then I was told the records show that I haven't paid anything and I owe XXXX. I ask her can I have an fax number or email to send my proof and I fax it to the company and its still on my credit report as closed but still reporting as derogatory bringing down my score even more when I'm trying to build my credit back up. I paid everything that was delinquent on all XXXX credit report and now they placed this account on XXXX. I disrupted with XXXX in XXXX XXXX and I was emailed that I C System reported that it's verified as accurate account. This company continue to report past due since XX/XX/2018 till current. I have already been reported for this month of XXXX. 
Can you help me with this issue?
Consumer complaint received 2019-01-24
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: AMERICAN EXPRESS COMPANY (NY)

I have 3 charges on my American express card, first was made on XX/XX/2018 in the amount of {$2600.00}, then 2 more transactions on XX/XX/XXXX same merchant in the amount {$2600.00} and {$2500.00}. 
I contacted my manager that was at the time holder of additional card and he advised me that he didnt do this transactions. Then i contacted Amex and made a billing dispute, after XXXX moths Amex sent me something in XXXX claiming that they got prove from another side. I reviewed this documents and noticed that signatures dont match. I called Amex and opened fraud dispute. 3 days later get letter from Amex that their decision stands. 
I contacted merchant and ask them to provide additional information, after providing to merchant all details of transactions and documents that Amex sent merchant respond was that they have no history or record of said transaction and have to take this with American Express.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

I received correspondence on XX/XX/2019 with regard to a debt owed to XXXX XXXX University. In response on XX/XX/2019 I sent a verification of debt letter. In response to my letter of XX/XX/2019 I received an envelope full of a contract with email correspondence. I then contacted them on XX/XX/2019 to advise that this debt is not owed as the contact I had with this school has been fulfilled enclosing proof of same. Instead I received a copy of a Summons and Complaint suing me.
Consumer complaint received 2022-08-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-08-16
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. (MA)

I am a natural person, I am a living human being, I have rights under 15 usc 1681.

Equifax is a govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed According to 15 usc 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 
Accounts number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NV)

I woud like for this loan to be forgiven because the school I attend XXXX XXXX AKA XXXX school and this school advertised to me that they had a job placement percentage of 80 %. The school was closed due to such claims. So I am requesting that my loans be forgiven. Due to my experience being impacted by such claims.
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NY)

I owed Hunter warfield inc {$10000.00}. I paid and settle the debt for {$7100.00} on XX/XX/2019. The debit is actively still showing in collections as UNPAID on my credit report. I have asked the company to remove that information for over a year now and they said they would but have not. I want at inaccurate information removed from my credit report.