davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

Hello, my name is XXXX XXXX. I have been learning about my consumer rights and reaching out to the agencies that are reporting my information to please make corrections. I now understand what a grave responsibility they have to be accurate and fair. 

I am finding I get ignored, and this is the case with this complaint. I recently asked Capital one to remove a late payment showing on my account because I was in good standing and I did not give them permission to report this account as late ever. 

According to my consumer rights located in 15 United States Code 1681b they have to have my written permission in order to put this on my credit report and they did not have that. Nor did they have permission to show my balance either. I have reached out to them and asked and waited for their response. There was no change. 

Please help me get this removed right away. Thank you for your assistance.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. ()

I have complaint against citibank credit card.I have been levied annual fees in my statement. On approaching them, they said that my usage was less in the year so they have charged. I informed them that I am not interested in the card and would not be paying such annual fees. They blocked my card and now they are sending me bill with annual fees and interest thereon. I have not even used any credit points nor I have delayed any of their payment since the year I opted for the card. 
Name : XXXX XXXX. 
Mobile No. : XXXX. 
Email Id : XXXX.
Consumer complaint received 2018-05-21
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: Convergent Resources, Inc. (IL)

To whom it may concern : I have a collection account on my credit files from a collection agency the account is as follows : XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX. Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX   ). I have sent them a dispute requesting a VALID CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT and NOT A BILLING STATEMENT. I will attach a screenshot of where this company is licensed to collect and it isn't in the state of ILLINOIS! I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois and A CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX  XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with LVNV FUNDING LLC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). LVNV FUNDING LLC can not and will not ever produce a contract between me XXXX XXXX and LVNV FUNDING LLC because that contract does not exist.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (CO)

I attempted to rollover my Health Savings Account from XXXX to Optum Bank ( part of Optum Financial ). Initial rollover request was submitted to XXXX on XX/XX/XXXX. XXXX sent the check which were lost by Optum Bank and eventually cancelled by XXXX. This was repeated three times. Finally, check # XXXX dated XX/XX/XXXX for {$34000.00} ( image attached ) was received by Optum Bank and cashed. XXXX confirms they have the canceled check. The funds have never appeared in my HSA account and Optum Bank says they can't find them. I have called numerous times ( call log with reference numbers attached ) and asked this be escalated - to no avail. Optum Bank told me the only way to resolve is to file complaints with CFPB, XXXX  and FDIC.
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I financed my home with Rocket Mortgage to take money out of my paid off home. It has been 2 weeks and I still have not received the check they are promising to over night me. They have not provided a tracing number confirming they even mailed the check.
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-12-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc. (CA)

Cmre XXXX XXXX  medical still showing on my credit report after being paid by law office and disputed three times with company I have letter of paid in full to be removed from XXXX XXXX
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (DC)

I transferred money into my account to cover an ach payment to my XXXX XXXX Credit Card. On XX/XX/18 when I transferred the funds into the account the item did not show as having being presented as well as I had a credit balance of about {$9.00}. The next day I checked the account and it showed that the item was paid and that I had {$3.00} credit. The next day I checked the account and it showed that the item had been returned, a return fee had been charged to my account and items that I paid for via credit card on XX/XX/2018 was now showing as processed on XX/XX/2018 as well as other charges showing different dates. This has been an ongoing problem with Citibank as this has happened to me at least four times in the recent past. Citibank is not providing accurate information through online access in an effort to charge customers fees.
Consumer complaint received 2018-12-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX
Consumer complaint received 2018-05-21
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. (GA)

I have identified erroneous accounts and information on my credit file. I have reached out to the credit bureaus by mail, e-file and telephone call with no assistance. I've been fighting these errors since I found them. This problem is making it impossible for me to do what I need to do credit wise because of the negative reporting.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank closed my account and took over {$5000.00} without my consent A person named XXXX from the exit Ive office and a person named XXXX assigned as case manager were involved. 
No one can explain where my money went and why
Consumer complaint received 2022-03-07
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: Self Financial Inc. (FL)

When I first signed up for Self I paid three months in advance. My account was originally supposed to end in XXXX of XXXX, however, since I paid three months prior, it ends in XX/XX/XXXX. Self is reporting to the Credit Bureaus that I have been late for the Month of XX/XX/XXXX BUT as I stated before, I paid three months prior. So youre meaning to tell me my account ends early since I paid three months in advance but its not eligible to be reported as PAID in XXXX. It makes no sense whatsoever! I have sent a GOODWILL request to remove the FALSE INFORMATION that is being reported but theyre not complying. Theyre stating my account is only eligible to be paid one month in advance. If thats SO TRUE, why is my account ending in XXXX OF XXXX if its supposed to end in XX/XX/XXXX if you all dont accept three months in advance payments? This FALSE late payment on my credit profile is hurting my reputation to other companies when in fact I have paid my account not only ON TIME but 3 months in advance early! Please have this issue resolved as it is not fair and accurate to me.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

I have a student loan through XXXX XXXX reporting on XXXX, XXXX, and XXXX. The loans are up to date, but are reporting 4 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). During that time period, the loans were in forbearance as they were prior and after. Ive made numerous attempts to correct the issue through XXXX, XXXX, and XXXX  unsuccessfully. Those late payments report are affecting my credit tremendously.
Consumer complaint received 2020-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (IL)

The company my complaint is on is with Sunrise XXXX. I called them on XX/XX/2020 at XXXX trying to get information on a debt that they said I owed. When I spoke with the individual he stated that the account at a {$0.00} balance and they no longer hold the debt. However the debt is still showing on my credit report for {$2700.00}. I explained that what they were doing was illegal under FCRA by continuing to report this debt under Sunrise when they do not own it. Prior to this I had sent certified mail to XXXX  and XXXX  and Sunrise Debt disputing the debt and no action has been taken and now I understand why because Sunrise no longer holds the debt.I am in the process of purchasing a home and I do not want inaccurate or false information on my credit report.
Consumer complaint received 2019-03-28
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. (NC)

I am a victim of identity theft. on my credit report is information that does not belong to me. In fact its the same company with more than one account, which I don't see how its possible. I pay my bills that are mine as can be seen by looking at my report, but I will not be held liable for fraud or error.
Consumer complaint received 2018-12-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step-up and correct the status because I was never late on my XXXX.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (AL)

On XX/XX/2020 i called ERC spoke with a rep who offered a settlement of XXXX $ to have account removed and updated on my credit report. I never received email or an receipt for my payment. I called back rep advised me the payment was successful and account was noted but account wasnt updated in the systems that it was paid in full via settlement offer. Account is reporting incorrectly and hasnt been removed.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX a payment of XXXX was posted and I made a full payment to cover my account balance and I was charged 10.77 interest and they told me that I didnt pay my bill in full and I had a balance left over and I was forced to pay the interest on XX/XX/XXXX ... and I told Capitol one if I get charged interest again I will close my account and on XX/XX/XXXX I was having trouble logging in to my account and I noticed there was Capitol one 360 bank was open in my name and it was linked and I never open this account and I still cant log in to my Capitol one account to check my balances
Consumer complaint received 2023-03-19
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: BMO Bank, N.A. (IL)

I have two inquiries in my report that I do not apply for. 

I have reached out the creditor and credit repair company with no resolution XXXX XX/XX/2022 BMO Harris XX/XX/2022
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I got a new XXXX  XXXX  Card through American Express. When I signed up for the card I did so through a click-through offer from " XXXX XXXX XXXX '' website that was for XXXX XXXX  XXXX points for the first $ XXXX spend and then an additional XXXX points on the next {$1000.00} over the next six months. 

I was given a XXXX points bonus as opposed to what I should have received. 

I have since called in three times to have this investigated and resolved, but they have not come to any conclusions over the last 5 months! They keep telling me to just call back in every two weeks - which I find to be ridiculous. 

I have a print out click-through terms that were in place when I signed up, and apparently, are in place again today. Amex is claiming that I signed up during some small inferior window of time and will not investigate further or get back to me on their findings.
Consumer complaint received 2018-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I bought concert tickets on XXXX on XX/XX/18 for {$150.00}. The seller 's name was XXXX or XXXX XXXX, XXXX, number ( XXXX ) XXXX. He sent me a picture of himself with a drivers license and screen shots of the tickets. I sent the money through XXXX on my Wells Fargo account, only to realize it was a scam. His XXXX ad was already taken down by this time. I contacted Wells Fargo, who told me that that the money had already been transferred but that they would look into it.