davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My husband and I were adversely affected by Hurricane Irma, and were also in the midst of leaving on a two week trip in early XXXX. We thought that we had scheduled our credit card payment to pay it off it full, as we do every month, and have done on this very card for over 20 years now. However, when we arrived back in the United States and were catching up on bills and emails onXX/XX/XXXX, we realized that the payment had not drafted from our account, so I logged into our account and saw that we had been charged a late fee ( {$25.00} ) and interest charge ( {$31.00} ) for that months charges. I immediately called Capital Ones customer service phone number and asked to have these charges removed, based on our stellar payment history, and for being a customer for over 2 decades. I was told that they could do a one time removal of the late fee but the interest charges could not be removed. I asked to  speak to a supervisor and was connected with XXXX, Capital One Employee ID XXXX. XXXX was extremely unhelpful and did not have any interest in our long history with Capital One, or the fact that we always pay on time and in full. We said at one point that if he couldnt resolve the fees that we would have to close the account. He immediately stated that he would close it right now, and my husband and I said that we dont want to close it right this minute as we need to make other arrangements as this is the only credit card my husband has. We were extremely frustrated and disappointed at the representatives attitude and lack of interest in keeping a good long term customer, but we needed to keep the card open until we had something else figured out. Neither of us expected when we called to discuss these charges to be cancelling the card, or having to deal with an attitude like that. On the morning ofXX/XX/XXXX, our first day back to work after being away, my husband went to use his card his ONLY credit card and realized that it had been cancelled without his knowing or consent. After work, my husband and I called Capital One to find out what had happened and to let them know about the extremely poor customer service we experienced two days prior and spoke with XXXX, Capital One Employee ID XXXX. XXXX acknowledged after putting us on an extended hold that our card had been cancelled without our consent or knowledge and said that she would not be able to get it reactivated for 7-10 days until their back office had time to process it. I declined for her to reactivate the card. I checked my account and apparently the representative did n't even process the refund of the {$31.00} that they had promised. Now we are left with fees, interest charges and no credit card after years of being good customers. Shame on Capital One and how they treat their customers!! We want our fees and interest refunded and an apology for how weve been treated by this huge American company who doesnt seem to care a bit about its customers.
Consumer complaint received 2023-02-10
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: Concord Servicing Corporation (GA)

XXXX I was notified creditor-Concord Servicing report 30 day late in XX/XX/XXXX to credit bureaus. I contacted Concord to get this resolved for several days from XXXXtoday XX/XX/XXXX and submitted a dispute to XXXX on XXXX and to XXXX on XX/XX/XXXX. 

It is very difficult to speak with someone at Concord on the mgmt team, resolutions team and the US corporate office. I have only spoken with customer service located in XXXX. I have sent several emails to resolutions team however there is no ph # to speak with a human. 


My acct was paid several months ahead periodically, the account has never been late. 

I received an email from resolutions on XX/XX/XXXX indicating the correction would be submitted to the bureaus XXXX. 

XXXX I emailed Concord Resolutions Dept to get a status on the correction. 
I then contacted XXXX and was advised a Concord Representative, XXXX, verified the accuracy of the late pmt on the account on XXXX. I completed a conference call with XXXX XXXX XXXX XXXX and Concord Customer Service XXXX XXXX XXXX indicated that he would contact a supv and get back with me. XXXX has indicated that the creditor has the ability to update the account electronically and update on their end same day. 

XXXX never showed the Concord account as reporting, however I rec 'd notification on XX/XX/XXXX the acct reported late in XXXX. XXXX has not received any correction request from Concord XXXX Concord Resolutions Dept responded back indicating that the correction was submitted on XXXX. I responded back indicating the conversation that I had yesterday with XXXX and Concord Customer Service Rep and that I need to speak with a supervisor. I called Concord and there is no other ph # than the one that transfers you to a Customer Service Rep in XXXX who can not assist with this matter. This is not acceptable to have a US based company however can only speak with CSR in XXXX and unable to speak with anyone with authority to resolve the issue. 

XXXX is showing my dispute still in process This has caused my credit scores to drop significantly and causing stress and financial hardship. Also, I did not give this creditor authorization to report this account nor transaction history to my consumer report based on USC 15 1681, USC 15 1666b
Consumer complaint received 2022-10-14
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. (AK)

Closed my account in XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX recieved statements contrary to facts and corporate claimed a charge off. 
As per rules XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( k ) XXXX ( j ) furnishing deceptive forms FCRA rules XXXX ( a ) ( XXXX ) XXXX ( b ) ( XXXX ). These violations require {$1000.00} XXXX  fines Also XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX ( a ) no written consent
Consumer complaint received 2020-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

This is not a valid debt. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.
Consumer complaint received 2023-03-27
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. (MS)

I've contacted the credit bureaus XXXX Transunion XXXX XXXX ) as well as the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and they are still reporting these inaccurate accounts on my credit report under the name XXXX XXXX XXXX. This is NOT my name and these companies continue to illegally re-age these accounts on my credit report. They also close the account and turn around and reopen the account. They also decrease the balance on the account by {$1.00} then turn around and increase the balance on the account by {$1.00}. The is against the law. 

According to the FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. 

XXXX XXXX XXXX services are repeatedly re-aging these accounts on my credit report. They are intentionally disregarding the FCRA 623 ( a ) ( 5 ) ( A ) law.

Also, according to 15 U.S.C 1681 law there should not be any damages on my credit report. This is defamation of character. Due to this, I am requesting {$1000.00} per month XXXX XXXX XXXX has damaged my credit profile with this inaccurate information. This has been reporting inaccurately on my credit report since XX/XX/2021. I am willing to settle this for {$15000.00}. I expect this to be resolved in 10 days of this complaint.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (GA)

Established account on XXXX with Netspend via their XXXX XXXX XXXX Activated account by submitting online a copy of my US passport and Social Security Card on XX/XX/XXXX. Funded the account with {$2000.00} on XX/XX/XXXX. Transferred funds into their savings account, which i believe is XXXX. Account closed by company on XX/XX/XXXX due to suspicious account activity. There was no account activity other than funding the account. Company will not return funds, despite multiple instances in contact.
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

On XX/XX/2019 I submitted for a short sale with my Realtor. Fay Servicing first put me through a modification review and  then a short sale review.   We have had a full file in short sale review for 60 days. All documents are in.   The Realtor has been calling weekly for Fay Servicing Short Sale Representative to follow up, but they have not.  Fay Serving is waiting for their tile report.  It has been over a month and they have done nothing. My complaint is that fact I came home today and have a foreclosure sale date taped to my front door.  From my understating under the California Homeowner Bill of Rights that is illegal and predatory lending. We have confirmed today with Fay Servicing they have all docs they need and it is in “short sale review”.   But nobody is communicating with my Realtor for the short sale.  Fay Servicing has literally done nothing except back door me with an illegal foreclosure.
Consumer complaint received 2023-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

In XX/XX/XXXX I wrote a Goodwill Request for Removal for late payment reporting for XXXX. The account was closed by XXXX in XXXX. I remitted all balances due despite XXXX, XXXX, and a death of family membet I was told in XXXX it had been investigated, the late payment history reportingwould be removed within 2 business cycles. I called in XXXX and XXXX and informed it was being processed. It never occurred. 

In XX/XX/XXXX I received a denial letter from XXXX This is an absolute disgrace when I was assured verbally three tinws on a recorded line it woyld be completed due to Medical and Goidwill gesture. It is documented XXXX have extended this to others despite their form letter.
Consumer complaint received 2022-10-15
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 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 15 U.S.C 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 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC (IL)

I am requesting the Bill of Assignment for this alleged account. Without proving the ownership right of this account being transferred or assigned to COLLINS ASSET GROUP , LLC, this debt collection agency can not legally communicate with me or attempt to collect the alleged debt from me. Please be advised that providing a memorandum or other statement from your agency, COLLINS ASSET GROUP , LLC stating that the assignment of the account was transferred shall be deemed insufficient. 

Additionally, I have confirmed that this agency COLLINS ASSET GROUP , LLC is originally incorporated in the State of Delaware ( File Registration # XXXX ), however, in order to legally practice the collection of debt from residents in the State of Illinois, COLLINS ASSET GROUP , LLC is required by law to be licensed. 

Please provide me with a verified ( sworn to by affidavit ) Certificate of Authority from the State of Illinois, authorizing your agency to transact business in the State of Illinois and a photo copy of your State Department of Commerce and Insurance Certificate.
Consumer complaint received 2023-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XX/XX/XXXX I wrote a Goodwill Request for Removal for late payment reporting for XXXX. The account was closed by XXXX in XXXX. I remitted all balances due despite XXXX, XXXX, and a death of family membet I was told in XXXX it had been investigated, the late payment history reportingwould be removed within 2 business cycles. I called in XXXX and XXXX and informed it was being processed. It never occurred. 

In XX/XX/XXXX I received a denial letter from XXXX This is an absolute disgrace when I was assured verbally three tinws on a recorded line it woyld be completed due to Medical and Goidwill gesture. It is documented XXXX have extended this to others despite their form letter.
Consumer complaint received 2021-03-09
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: SYNCHRONY FINANCIAL (AL)

I am writing to SYNCB/PPC because I am having difficulties with buying a house and applying for new credit cards. I paid the XXXX account and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/PPC company to remove this account from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Capital One credit card. My most recent payment was Due on XXXX XXXX, 2022 I mailed out my payment on Sat. XXXX XXXX, 2022 but I post dated my check for the due date because that is also the date that I get paid. However Capital One cashed my check on XXXX XXXX, 2022 before I got paid and now I have a negative balance in my checking account
Consumer complaint received 2019-03-12
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. (OH)

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number SS XXXX and DOB XXXX.
Consumer complaint received 2019-03-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZARVAD III S.A. (CA)

on XX/XX/19 they called me AGAIN after being asked not to contact myself or my employer phone number. XXXX XXXX  and they called a phone number that they were never given. ( XXXX ) XXXX XXXX. I stated on the recording not to contact me at this or any other phone number for any reason at any time.
Consumer complaint received 2017-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Chaplain Financial Services LLC (TX)

On XXXX XXXX, XXXX I missed a call from XXXX. I received a pre-recorded voicemail stating a simple suit has been filed with their company. In order for the process to be stopped I must contact their office immediately at XXXX and reference case number XXXX. If I respond to the message once contacted by the county processor I will be required to have two forms of identification and if I am served at my place of employment and I am not present my supervisor or human resource person will be required to sign for me personally, and stated I have been officially notified. 

On XXXX XXXX, XXXX I called the company back at XXXX and they asked me to verify my name and the last four of my social security number. I verified this. I asked them the reason for the voicemail and the representative stated I had a loan with XXXX XXXX back in XXXX. Then the representative stated I did n't make the because I was n't working was this correct? I stated I never had a loan with XXXX XXXX and I asked if she could send more info to me in writing, she refused and disconnected the call. 

On XXXX XXXX, XXXX I called CFPB to file a complaint and obtain the required information to file a complaint. On the same day I called XXXX and asked about the company and the loan. The representative stated they can not share any information about XXXX XXXX with me and that I will receive court documents to appear in court. The company stated they do mediations on behalf of XXXX XXXX. The representative did provide their company information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX Opened XX/XX/XXXX for {$210000.00}, XXXX Opened XX/XX/XXXX for XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Opened XX/XX/XXXX for {$820.00}, XXXX XXXX Opened XX/XX/XXXX {$300.00}, XXXX XXXXXXXX Opened XX/XX/XXXX for {$200.00}, or XXXX  Opened XX/XX/XXXX. 
Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off.
Consumer complaint received 2022-12-15
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently disputed the inaccuracies in the provided information with XXXX, and TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX : XXXX. The following personal information is incorrec Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXXXXXX Account Number : XXXX Please supply information on how you have verified this item TransUnion : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.