davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WV)

I sent 2 dispute letters to equifax due to them reporting incorrect accounts on my credit report. I asked them to investigate and if they found these accounts verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.
Consumer complaint received 2023-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America (TX)

I have made several contacts to request proof the debt belongs to me. I keep getting bills for a debt that I do not recognize and have requested any documents, signatures or evidence this debt belongs to me. Financial Corporation has refused to comply. 

Disputed this debt on XX/XX/XXXX. Financial Corporation has failed to provide proof of debt with 30 days. Financial Corporation responded with a letter that appears to look possible fraudulent or not a official statement with some medical coding that does not seem to comply under HIPPA regulations. This letter is dated for XX/XX/XXXX. This is almost four months after the 30 day period to provide verification of the debt.
Consumer complaint received 2022-02-10
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: TD BANK US HOLDING COMPANY (FL)

TD bank account was fraudulently opened back in XXXX. I did get it closed but TD Bank ran my credit which resulted in a hard inquiry on my credit. I need the inquiry removed as it is effecting my credit.
Consumer complaint received 2022-10-11
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} AAFCU XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$650.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$420.00} XXXX  Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX # XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXXXXXX  Date of inquiry : XX/XX/2022
Consumer complaint received 2017-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Second Round Limited Partnership, Austin, TX Branch (TX)

In XX/XX/2011 i purchased a vehicle only to find out the dealership XXXX Georgia lied. I was in Bankruptcy at the time. The sales manager advised that their dealership could sell cars to this in bankruptcy without going to the courts. After a short time speaking with my bankruptcy attorney i wanted to change filing, I disclosed the car. I was told i needed to get court permission i called the dealership they did not help. I told the general manager how the ssked manager stated i needed to pay my down payment in cash. I gave her XXXX i just checked my credit and the loan company has it that the transaction took place last year. I should be removed off my credit. XXXX is the company the collection company us second round in XXXX Texas
Consumer complaint received 2022-02-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (VA)

This is a continuation for complaint previously issued : XXXX I have received the note! Thank you. 
I have been waiting for the loss mitigation report. I have called and emailed multiple times asking for this to be expedited. We are at the 4 week mark and I have yet to receive requested documents for a settlement. This debt has not received payment in over 12 years, there are no reports of this debt listed or documented on any of the 3 credit bureaus. I am held up on offering a settlement to work on a refinance to get this house in my own name due to not receiving this information. The divorce decree has been sent along with court documents of order of content. For several years they have been sending statements to and only in XXXX XXXX name, to his address in XXXX, XXXX How this information was changed in the first place is still a mystery. The fact that they are sending the statement is his name only is also concerning. Why is my name not on these statements. The collection procedures make me feel it is a scam. You provided me with the note stating I am on this account, then my name shall be listed on ANY and EVERY statement that is issued! When I call to discuss, they still hound me for payment, and I am not doing such until I receive the loss mitigation. I have spoken with a bankruptcy attorney and am at the point of filing or just letting the house go in to foreclosure due to the stress it has caused me. At this point they need to find a resolution to settle this 12 year old debt for a fraction of the price due to their own negligence or face never seeing a cent once I let it go!
Consumer complaint received 2022-10-11
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 



we've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have a credit card from Capital One. Up until recently I have had a good experience. That is because on XX/XX/XXXX when my monthly statement usually generates they sent me an email saying my due date was being changed from the XXXX of each month to the XXXX of each month. I did not and would not request this. They arbitrarily decided this due to " system upgrades ''. I have read where Capital One was recently attacked by an online hacker. However, when I called their customer service the agent I talked to didn't say what those system upgrades were for and really didn't act like he knew much of anything. In addition, each XXXX I am charged a {$60.00} annual fee. So, now with this due date change which makes my next due date as XX/XX/XXXX I will probably have double interest charges plus the {$60.00} annual fee which will all come to close to a {$200.00} payment due which is unreasonable. If Capital One has to institute system upgrades because of a hacker I shouldn't have to pay for it. They said in their email I can request another due date but it will take 1-2 billing cycles to take effect. I have done that but they do not offer the XXXX of each month as I have had. I have had to request the XXXX of each month instead. I feel this is totally unfair to me and even unlawful. How can they just arbitrarily do this causing me financial difficulty? And, if I don't pay right on time I will get hit with a {$36.00} late fee. I get monthly SSA on the third Wednesday of each month and have been able to make timely payments. Now this throws everything off and, frankly, I feel they know this. Also, I have had this card and these annual fees since around 2011 and have requested at least twice to have that fee waived and they keep telling me I am not eligible. Yet, they have increased my available credit two years in a row.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

My mom opened a Kohls credit card in my name when I was only XXXX XXXX old, and I don't want it on my credit account anymore. I am XXXX and she never talked to me about it. Despite the credit being good, I feel it's wrong to open credit or loans through an XXXX XXXX.
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

On XX/XX/XXXX, I made my defaulted mortgage current by paying {$41000.00}. 
Once my account was reinstated, I made XXXX consecutive monthly payments in full of {$3500.00} each on XX/XX/XXXX, XXXX, and XXXX for a total of {$14000.00}. This made my mortgage paid ahead through XXXX of XXXX. 

On XX/XX/XXXX, BSI Mortgage called me and told me they no longer allow payments ahead of more than 60 days and would not refund me the additional 2 of 4 payments I made. They offered to pay down my principal, which I did not want. I am self-employed, do not get paid regularly, and do not have any income coming in for the foreseeable future. 
I expressed to them that by taking XXXX ( XXXX ) of my advanced payments away, totaling {$7000.00}, they would force me into foreclosure. 

The system allowed me to make advanced mortgage payments. They should not allow it in their billing system if they did not allow more than 60 days ahead. 

I either need to get the advanced payments back, or they need to apply them toward future payments.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2023-06-29
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. (CO)

I inherited solar panels on my house when I purchased it in XXXX. The solar panels are leased through XXXX XXXX. I have had multiple problems being able to pay my bill to XXXX XXXX throughout the time I have owned this house. 

I was setup on autopay with my credit card, but they suddenly stopped processing my payments without notifying me. My paper bills still stated on the front that I was still enrolled in autopay and that my bill was informational only, however they were adding late fees hidden on the back of my bill. I called multiple times, waited on hold for multiple hours until I finally got someone to help sort out the problem and waive the late fees. I re-enrolled in autopay with the same credit card they suddenly stopped using. I had also tried to login to their online portal to pay my bill, but the amounts showed differently than my paper bills. The person on the phone said that is " normal '' and that I need to only pay attention to what is on my paper bill. 

Again in early XXXX autopay stopped working. I called multiple times again and could not get ahold of anyone. Eventually the line would just say that someone will call me back tomorrow, but they never did. I emailed multiple times starting on XX/XX/XXXX and they did not respond until XX/XX/XXXX. Eventually I did get ahold of someone to pay my bill, but obviously it was past the due date. 

Now XXXX XXXX has reported to the credit bureaus that I paid my bill late and my credit score has dropped from XXXX to XXXX. This is causing me financial hardship, as I need to purchase a new car and my lower credit score affects the interest rate I can get from a lender. I need XXXX XXXX to correct their reporting to the credit bureaus so it does not show that I had a late payment. I made every attempt to pay my bill through autopay, online portal, and via phone call but they would not take it.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-27
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-02-10
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 (MD)

I have a personal credit card with Capital One. 
These past few months, I've been paying the " New Balance '' due, in full, in two installments within a days or weeks of each other - all before the " Payment Due Date ''. 
I pay it like this for personal reasons- based on my personal budgeting system. 
It seems that after my 1st payment, Capital One starts obligating me interest charged on the rest of the money due - even though I pay the full balance before the due date! 
This does not seem to be a fair business practice. 
I called Capital One to find out why I was charged interest, and the representative explained to me this policy that if the cardholder pays the balance in more than one payment, for 2 months, the cardholder will be accountable for the interest accrued on the remaining balance. 
The representative fully understood how unfair this was to me. 
I asked for a refund of the interest charged the past XXXX statements, and my request was denied. 
I looked at the information provided on the statement, and I don't see why my payments are not considered " pay..new balance in full by the due date! 

The following is a copy of some of the information provided on the statement regarding this : How can I Avoid Paying Interest Charges? If you pay your New Balance in full by the due date each month, we will not charge interest on new transactions that post to the purchase balance. If you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, we will charge interest on the unpaid balance. Interest Charges on Cash Advances and Special Transfers start on the transaction date. Promotional offers may allow you to pay less than the total New Balance and avoid paying interest on new transactions that post to your purchase balance. See the front of your statement for additional information. 
How is the Interest Charge Determined? Interest Charges accrue from the date of the transaction, date the transaction is processed or the first day of the Billing Cycle. Interest accrues daily on every unpaid amount until it is paid in full. Interest accrued during a Billing Cycle posts to your account at the end of the Billing cycle and appears on your next statement. You may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the prior month. Once you start accruing Interest Charges, you generally must pay your New Balance in full two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. Interest Charges are added to the corresponding segment of your account.
Consumer complaint received 2023-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (IL)

On XX/XX/XXXX, I XXXX XXXX begin to have a wage withdrawal from my check from Discover Bank referring to an old account ; XXXX. 
This account was opened in XXXX and closed XX/XX/XXXX. Again Opened in XXXX and Closed again in XX/XX/XXXX. 

After several years of constantly communicating with the company that when it was re-opened It wasn't done by me, but a family member ( XXXX Brother ). As well my family member was using another family member 's information to pay the bill for it which cause all the retuned payments. 

Coming towards the year XXXX, I reached out to a representative of the company because I had a missed call after 7 years about clearing it from my credit and was trying to explain to the representative that it wasn't me, and he said " We can actually reactive this even though its been 7 years and start this over. ''
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MA)

I was charge XXXX for a daily monitering program for my credit score through Experian. I originally payed {$0.00} for a one credit score and a report which I used for a rental application.

There was no mention that I was signing up for an on-going service. If there was a mention it was not clearly stated.

Experian charged me {$21.00} on XX/XX/2018. I just saw the charge and immediately cancelled the subscription i never signed up for. 

One of the account closing questions was " i didn't know I was signed up for an on-going service. '' This makes it clear that they have had this issue before and haven't done anything to take care of it.

Experian is supposed to help consumers to understand their credit, not trick them into service plans.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

I Received a copy of my credit report and noticed several accounts on my credit file that i never applied for and never used. these accounts are fraud and needs to be removed from my account below are listed the abode referenced accounts 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
Consumer complaint received 2019-07-31
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: Risecredit, LLC (TX)

XX/XX/2018 this hard inquiry showed up on my credit that i have no responsibility of i filed to have it removed and no response i need to have it removed because it is hurting my credit
Consumer complaint received 2022-02-10
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)

This complaint is being made by the consumer XXXX XXXX XXXX XXXX XXXX Please see identity theft report. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. Experian has ignored my verified claims and is unlawfully, illegally, and conspiring with the furnishers reporting fraudulent accounts on my credit profile. Experian, XXXX, and XXXX each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.