davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX/ 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 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 2019-06-13
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)

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX XXXX, DEPT OF ED/XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2022 Consumer Financial Protection Bureau : Capital One Bank is fraudulently charging consumers for " late fees '' despite making payments on time, and on the due date, in the evening. They are purposely misleading consumers to assume their payments will be on time that evening, by not making consumers aware they supposedly have a " cut off time of XXXX '' which is unheard of with banks. Banks allow payments to post by midnight to be on time. They also keep this information hidden from consumers so they are not aware of this so the bank can make more profit at the expense of consumers, by falsely letting them assume their payments are on time, when they farudulently cut the time off at XXXX. This is fraud, and deceptive banking practice. 

On XX/XX/XXXX, at XXXX, I attempted twice with Capital One to get this erroneous and fraudulent charge of {$36.00} removed, which was charged on the date I made a payment, when the payment was due. I also asked to speak with a manager, by the name of " XXXX '' who also refused to credit this fraudulent charge. I asked him why am I being charged for a payment I made on the same due date, and he stated, " You have 29 other days to make the payment '' and also refused to address it or fix it. He also refused to give me his last name. Odd banking behavior for a major bank and completely unacceptable. I am asking for someone to intervene as this bank can not be trusted to do the right thing and refund fraudulent charges. This is how this bank makes profit. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Captial One Acct Number XXXX
Consumer complaint received 2022-04-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I submitted an application for a short sale with my lender in XXXX of 2021 I have an FHA and fully understand that I would have to be reviewed for retention options prior to being reviewed for a short sale. I submitted all required documentation with the help of an authorized 3rd party. I have on 4 different occasions been asked to furnish the same documentation over and over. I am still being perused for mortgage payments. I have a buyer who is under contract and willing to purchase the property. They continue to ask me to submit the same documents over and over and switch XXXX individuals each time and each new one says they no longer handle it. Please assist with having the lender review the documents so that this isn't continuing to be a further hardship. I am a single mom with major obligations and this property has been empty since XXXX of 2021. Also, I am not receiving any letter with status update I only find out if I call.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The Credit Agencies is inaccurately reporting that the Dept of Education/XXXX account was late. I have been in XXXX payment status for several years on my IDRP with the Dept of Education. Please assist me in removing the late payments in from my credit file. There are 7 Department of Education/XXXX accounts inaccurately reporting that I  was 90 days late in XXXX and in XXXX.
Consumer complaint received 2023-03-31
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00}. XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-13
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. (WI)

I have disputes with Experian with no results, results in " 2 days '' so much for investigation..this has to do with an alleged account on my credit report ( XXXX XXXX XXXX ) re dating item, changing $ amount, today they reported me as late payment on credit report in last 60 days. Alleged debt is 3 years old, yet today slapped with a 60 day late ( Illegal to do ) I have no contractual agreement with these people NOR are they registered or licensed to practice in state of Wisconsin. MANY VIOLATIONS OF Fair Credit Reporting Act and Fair Debt Collections Practices. I DEMAND IMMEDIATE REMOVAL OF THIS FROM CREDIT ACCOUNT SINCE I HAVENT received letter of debt validation or payment history or letter of notice 3rd party this national credit adjusters taking over supposed debt. 
What's the sense of disputing errors on credit report when you get the run around and games when you do report errors!?!?
Consumer complaint received 2023-03-31
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have previously filed two complaints on this issue ( XXXX and XXXX ), which dates for XX/XX/2021. As I explained in detail in those complaints, I inadvertently deposited a pension check issued by Fidelity meant for IRA roll-over in my Cap One Account. CApOne never should have accepted the check for deposit as it was made out to XXXX XXXX XXXX ( for benefit of ) XXXX XXXX. I immediately called for reversal of the CapOne deposit in late XXXX. It took repeated calls to get the funds reversed and they finally were in late XXXX. However, the funds were never sent back to Fidelity the check issuer. As I have detailed in my earlier complaints, I have spent hours on the phone with Cap One, called with a Fidelity rep on the phone, sent Emails to the CapOne contact person and called their office of the President. The CFPB responses have not rectified the problem. While the funds have shown as reversed from my Cap On account since XXXX, they have still not been returned to my Fidelity account. In the last response Cap One claims that they have finally reversed funds to my Fidelity account on XX/XX/XXXX. As of today, Fidelity has no record of the funds coming back to my account. I have again attempted to contact " XXXX '' at the Cap One " Office of the President '' -- I called again today ( XXXX ) and left a message. I have attempted to contact her over a dozen times since her first letter of XX/XX/XXXX and received no response. Cap One customer reps have also tried contacting her while I was on the phone with them to no avail. Also note that these are pension funds that should have been deposited in a roll over account but can not be due to Cap One 's incompetence.
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (CA)

I am writing to request this account be removed and fair investigation of my consumer profile. By reporting this account Experian is guilty of defamation of character and civilly liable. Thursday XX/XX/XXXX morning I spoke with XXXX a representative with Experian and brought to her attention several errors reporting by Experian on my personal credit report. She acknowledged verbally that my previous letter was received on XX/XX/XXXX and that a dispute was closed and a response was sent to me on XX/XX/XXXX. XXXX informed me that my attachments to my disputes were not uploaded into the Experian system and that the decision by Experian was to continue to report inaccurate, invalid, inconsistent information that is defaming my personal consumer report. 
- XX/XX/XXXX XXXX with XXXX XXXX XXXX confirms that she had received the death certificate for XXXX XXXX. 
- Experian is guilty of Truncation as it pertains to negligent and willful noncompliance with XXXX XXXX XXXX- This account is not a joint account, the vehicle loan was solely supposed to be in the name of XXXX XXXX. Please note XXXX XXXX is deceased AND her death certificate was previously sent to Experian. Experian is negligent in this right in regards to inaccuracies. 
- The account is reporting Auto Loan opened XX/XX/XXXX, there is no data/payment history reporting on this account from XX/XX/XXXX XX/XX/XXXX. That is two years of no history reporting. The first reporting date shows a 60 day late payment but no previous history to support this. 
- The status of the account is showing Charge-Off and the account reflects a monetary balance which is a contraindication of the definition of charge off. 
I am demanding that Experian remove this account as it has reported inaccurately and caused lenders to view me in a negative light. If this account is not deleted within 5 business days I will be seeking monetary/civil damages for defamation and negligence in Experian reporting practices. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy - ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION - ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) - promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and - ( ii ) - promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Documents are attached.
Consumer complaint received 2019-06-13
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. (WI)

I have disputes with XXXX with no results, results in " 2 days '' so much for investigation..this has to do with an alleged account on my credit report ( XXXX XXXX XXXX ) re dating item, changing $ amount, today they reported me as late payment on credit report in last 60 days. Alleged debt is 3 years old, yet today slapped with a 60 day late ( Illegal to do ) I have no contractual agreement with these people NOR are they registered or licensed to practice in state of Wisconsin. MANY VIOLATIONS OF Fair Credit Reporting Act and Fair Debt Collections Practices. I DEMAND IMMEDIATE REMOVAL OF THIS FROM CREDIT ACCOUNT SINCE I HAVENT received letter of debt validation or payment history or letter of notice 3rd party this XXXX XXXX XXXX taking over supposed debt. 
What's the sense of disputing errors on credit report when you get the run around and games when you do report errors!?!?
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NY)

I have advised XXXX on several occasions that this account is in dispute and I would like an arbitration form. They have refused to answer me, now I am being negatively reported by this company for the debt. This company has never once sent me a letter telling me they had the debt so I could dispute and advise them that I am disputing this entire debt with XXXX This is unfair, I have not had the opportunity to dispute this and this is negatively effecting me through their sneaky reporting.
Consumer complaint received 2019-08-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I own two vehicles, a XXXX XXXX XXXX and a XXXX XXXX XXXX and both were included in my Chapter XXXX Bankruptcy and that of my wife. I took out loans with a company called XXXX XXXX and have been speaking with XXXX XXXX, Bankruptcy Specialist, Wheels Financial Group, LLC dba XXXX, Legal Department, P : ( XXXX ) XXXX, F : ( XXXX ) XXXX and they have recently unlawfully repossessed the XXXX XXXX when I was taking it to the mechanic to have it repaired. They do not want to return the vehicle to me immediately and need your help. I attach all the information about the vehicle. Thank you and I await your reply.
Consumer complaint received 2020-12-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

I opened an HELOC account with US bank that has currently XXXX balance. When I opened the account Banker told me if you do not carry any balance on this account you can close the account anytime without any penalty. I talked to couple of times already and paid a small amount they charged to my account ( as annual fees of $ XXXX which was also not told by the banker when I opened the account ). After I paid the account asked them to close the account and they promised me account is closed. They repeatly told me your HELOC account will be closed, nothing to worry as you ahev now XXXX balance on your account. I thought the account has been closed as promised. 

I tried to refinance my mortgage through another lender ( XXXX XXXX ) and during closing cost dsclosure document they have an item US Bank {$400.00}, I got surprised after seeing this. 

Called US bank again and I was told if you close the HELOC within 3 years of opening the account you have to pay {$400.00} of penalty. This was also not disclosed by the banker during opening of the account. 

These are the deceptive practices US bank is using to extract money from customers. Please take action against the banks who are involved in such deceptive practices. This is really bad for consumers, even though we do not owe any money to bank, they are penalising customers unnecessarily by using these kind of deceptive practices. 

They told me these are the agreement I signed. Bankers need to disclose all these information that is on the contract during opening of the account to consumers. This was not done in my case.
Consumer complaint received 2023-03-31
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union agreed to a settlement for less the owe amount. They report correct what I had paid to settle the XXXX accounts and the balance and past due balance were update to {$0.00} due to the settlement that was made. Now, XX/XX/XXXX they are reporting to the XXXX credit bureaus a balance and a past due balance amount. I reached out to Navy Federal Credit Union on XX/XX/XXXX spoke with XXXX XXXX advising that the balance they are reporting is inaccurate and she advise that would handle the dispute one they receive it from the 3 bureaus. I did not get a resolve with the company even though XXXX XXXX is the same agent that took my payment on XX/XX/XXXX to settled the account. How can they report the correct information on XXXX & XXXX of XXXX, then in XXXX report a balance and a past due balance when they agreed to the settlement which would in turn close out this account and cease further collection activities. This had drop my score and I very upset with how Navy Federal Credit Union treat this situation.
Consumer complaint received 2022-09-01
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. (CA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 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 instruction. 

15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXX, XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX -- -> : {$260.00} XXXX XXXX XXXX XXXX XXXX -- -> XXXX {$200.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00} XXXX XXXX XXXX  XXXX -- XXXX : {$450.00} AXXXX XXXXXXXX -- -> : {$82.00} XXXX XXXX XXXX XXXXXXXX -- -> : {$0.00}
Consumer complaint received 2023-05-08
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX US SM BUS ADMIN XXXX XX/XX/2021
Consumer complaint received 2017-10-03
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sherloq Group, Inc (NC)

since XXXX 2017 I have received non stop phone calls from the 3rd party collection agency. I have told them to stop contacting me and have filed a prior complaint but every single day they are still calling me. I did not authorize my information to be released to this 3rd party which is in violation of hippa. 
the amount of the debt they say i owe is {$1400.00} account number XXXX