davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX I made my payment of XXXX and payment was due XX/XX/XXXX XXXX and this company capital one is XXXX XXXX XXXX the next day I receive a late fee of XXXX and I called explain to them there was a issue or something my payment was made on time Pacific standard time and I was told oh payment concerned late at XXXXXXXX and I said thats against the rules of regulations I know for a fact XXXXXXXX is still concerned the same day the policy they have is unlawful and I have closed my account and will not do business with them again! However I do want my account reverse with that charge removed.
Consumer complaint received 2022-05-19
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. (NJ)

In response to complaint numbers, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, Transunion and XXXX stated they would take " 60 days '' to respond to my complaints. This is unacceptable and illegal. The law allows 30 days to investigate my complaints and requests regarding my personal credit report. I am demanding the immediate removal of the tradelines or I will take legal action.
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NY)

I used PayPal credit for a purchase and despite paying the amount borrowed in full before the end of the XXXX grace period, they charged and are continuing to charge me interest and other trumped up fees. Ive reached out to them via phone to explain the charges but they give convoluted, contradictory explanations and ultimately refused to cancel the charges knowing the debt was fully repaid
Consumer complaint received 2019-11-21
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: Credit Corp Solutions Inc. (NM)

This complaint is in regards to account with XXXX XXXX XXXX  which was charged off and sold to a debt collector in XXXX. The debt collector was Credit Corp Solutions, INC. I paid the balance in full and received a letter confirming that my account was closed/paid in full on XX/XX/XXXX ( attached ). I have filed a dispute with XXXX  to update my account. XXXX  only updated my account to show that it was placed in collection in XXXX of XXXX ( attached ), which makes matters worse. Additionally, XXXX  will not update my account information ( attached ). I have made all attempts to resolve this matter and will need further assistance.
Consumer complaint received 2022-05-19
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Consumer complaint received 2022-05-19
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. (AZ)

In accordance with the Fair Credit Reporting act XXXXt Account 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 a account without my written instructions
Consumer complaint received 2022-05-19
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX BANK 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 2022-05-19
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2019-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C & M Associates Group, Inc. (GA)

In the years of XX/XX/XXXX-XX/XX/XXXXsome stole my identity and proceeded to get credit cards taken out under my name. I was unaware until I started to receive calls about money I owed. At this point I check my credit report and found many cards and accounts opened that I never applied for. Next, I went and filed a police report and signed an affidavit stating the charges made under my social number were not mine. The police report is dated XX/XX/XXXX and XX/XX/XXXX case number XXXX ; Agency ID XXXX. If this point I reach out to all the companies that were not my accounts and got letters stating the debits would be removed and I would not longer be bothered. Just to name some of the other accounts that were Identity theft account XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. All the accounts were closed and never heard from again except for XXXX XXXX   this account was never closed and marked as identify theft since every year since XX/XX/XXXX I have received a call from a lawyers office stating I owe the money and that a judgement is being filed against me. I proceed to send them Police report, Signed Affidavit and letter from XXXX stating they have removed the debt. Normally they say OK and sorry to have bothered you. But now I have another company threating me again saying they have all information and yet are still going to proceed with the judgement so for 17 years I have been harassed by these companies due to XXXX  not standing by the letter they sent us and keep selling off a debt I do not owe. Also I would like to note that when this was all happening my personal information the credit report companies have a lot of misinformation such as wrong birth dated, wrong mailing address, and said I was married and at the time I was not and never had been. At this point I am not sure what needs to be done since I have done everything I was told to do and yet nothing has changed. And finally I have never received an email or letter saying I owe a bill.
Consumer complaint received 2019-10-16
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. (PA)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. XXXX XXXX XX/XX/2019, XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XX/XX/2019,
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In response to complaint numbers, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX and Equifax stated they would take " 60 days '' to respond to my complaints. This is unacceptable and illegal. The law allows 30 days to investigate my complaints and requests regarding my personal credit report. I am demanding the immediate removal of the tradelines or I will take legal action.
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also 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 any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also 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 any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Employee ID 'S # XXXX and XXXXXXXX employee  # XXXX both are violating the FCRA buy their lack of ability to post a full payoff upon receipt of the funds. I was advised that Capital One can take up to XXXX days to receive a payment ( it already cleared my bank days ago ), that has been sent regular mail, and that they will hold that payment an additional 5 days before posting. So essentially the additional 5 days will cost additional interest and potential late charges making the payoff amount invalid.
Consumer complaint received 2019-07-18
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: CURO Intermediate Holdings (TX)

I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Avio provides me with competent evidence that I have any legal obligation to pay them. I am asking the Avio to please provide the following:1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET '' signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5.  Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Avio immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX, and XXXX ). I also demand that the XXXX XXXX XXXX agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that Avio agrees to remove my personal information from all accounts in its companies database.
Consumer complaint received 2021-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have never been associated with the company XXXX. There are two accounts on my credit report relating to this company. I have completed a FTC to provide evidence of fragluent activity on my credit file. At this time I would like to have this account removed. They are having a negative effect on my credit and creating a damaging image on my image. 

Attached is the FTC
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/2023, my cellphone can not call out. I contacted them to ask for reason, and was told that my auto-payment didn't get through. So I loggin my bank account to check what is going on and suddenly see my Chase freedom credit card account is closed. 

Then I called chase credit card customer service number to find out reason, they have transfered me 4 to 5 times, put me on hold from XXXX to XXXX, then finally someone just tell me it's Chase decision to close my account with a very bad attitude, even I told her I have not only my personal checking account, but also our business account with Chase. 

I am the Chase customer over 15 years and have that credit card for over 10 year, always pay on time by autopay from my Chase debit account, it's so ridiculous and unrespectful to just close a loyal customer 's account without any notice.
Consumer complaint received 2017-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

The first complaint # is XXXX This is a request for documentation regarding the first complaint and that Customer is not satisfied with the abroad answer received by the CREDIT BUREAU ASSOCIATE - XXXX CA the company is stating that I XXXX XXXX XXXX SIGNED a document in the doctor 's office stating that " I was responsible for any balance remained unpaid. I would like to request : 1 ) A COPY OF THE DOCUMENT SIGNED BY XXXX XXXX XXXX STATING RESPONSIBILITY FOR UNPAID BALANCE ; 2 ) A STATEMENT ATTESTING HOW THE CREDIT BUREAU ASSOCIATE AQUIRED XXXX XXXX XXXX SOCIAL SECURITY NUMBER, WHERE THEY FOUND THE COMPLAINT SOCIAL SECURITY NUMBER, WHO PROVIDED IT TO THEM AND COMPLAINT IS REQUESTING IT IN WRITING BY CREDIT BUREAU ASSOCIATE.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (TX)

I have a problem with my XXXX XXXX credit card issued by XXXX XXXX. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have been XXXX XXXX  on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via XXXX XXXX payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account XXXX XXXX XXXX From account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only 30-days past due. This is another red flag that something is wrong with XXXX XXXX credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that XXXX XXXX has a motivation to make customer accounts delinquent and report false information.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a problem with my XXXX XXXX credit card issued by XXXX XXXX. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have been midnight XXXX on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via XXXX XXXX payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account XXXX XXXX XXXX From account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only 30-days past due. This is another red flag that something is wrong with XXXX XXXX credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that XXXX XXXX has a motivation to make customer accounts delinquent and report false information.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (TN)

truist bank XXXX XXXX XXXX XXXX XXXX North Carolina, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that is emails received ect ive ask them which onwn no suntrust or truist account dis at one time they are emailing me like i have an account refuse to stop have no unsubscribe on email and ftc complaint ftc XXXX i would love to see you ftc fine them a few billion $ they deserve it
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Company : JEFFCAPSYS Account XXXX : XXXX I am unaware of this alleged debt. I did not have the opportunity to dispute this debt previously, as I did not receive proper notification. If you believe I received proper notification, please provide evidence of the certified mail with the delivery receipt showing my signature, confirming that I received it. Without proof that I was properly notified, I can not confirm the validity of this debt claim. Please supply the appropriate documentation demonstrating proper notice was provided to me.
Consumer complaint received 2022-05-19
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: Phoenix Financial Services LLC (NC)

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.15 usc 1681 section602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an 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 and purpose.
Consumer complaint received 2021-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FACT : Im submitting this complaint myself and there is no third party involved. TransUnion LLC, and XXXX has continuously placed a false public record on my consumer file that has had a detrimental impact on my livelihood. They are reporting a Bankruptcy on my credit when there is no public record to be found. I have had my consumer report ran through several consumer reporting agencies and they all confirm that there is no judgement or public record attached to XXXX ( see attached consumer reports from other consumer reporting agency ). I have contacted the courthouse where this alleged Bankruptcy was filed, and they said they have no record NOR do they sale this information to third party consumer reporting corporations. Because of this false negative allegation, I have been forced to move into a horrible part of my city and pay three times the rent. I have contacted TransUnion LLC, and XXXX multiple times and all they keep saying is they'll start a dispute process. As a consumer I did not give TransUnion LLC, NOR XXXX written permission to house ANY information on my person, public or private. They are in clear violation of 15 U.S.C. 1681 ( a ), 15 U.S. Code 1679b : ( a ) In general No person may ( 1 ) make any statement, or counsel or advise any consumer to make any statement, which is untrue or misleading ( or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading ) with respect to any consumers credit worthiness, credit standing, or credit capacity to and the Illinois States Attorney General has been contacted as well as the Federal Trade Commission. I, the consumer, have a right to correct information on my consumer report and am demanding that this false alleged information is permanently deleted from my consumer report and any public or private database.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have not received a mortgage statement from Ocwen Loan Servicing since XXXX XXXX, 2015. When I called to see why I have not, I was told there was a glitch in their system and they do not know when I will receive my statements. I have a loan modification and was scheduled to receive a {$31000.00} deferred principle adjustment on XXXX/XXXX/2015 and I have no record that they did that. I am current on my payments.
Consumer complaint received 2022-05-19
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 reporting act XXXX account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy. 15 UC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 USC 1666B : A creditor may not treat a payment credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-29
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. (MI)

XXXX, XXXX and Transunion is reporting incorrectly on the status of my current student loan accounts. My student loans have been in deferment and furbarnce since XXXX. They are current with an extension until XX/XX/XXXX.