davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX, XXXX, 2016 {$300.00} I currently have this credit card and I wanted to see if I can please get my late payment erased? I really went through some financial problems and I am currently making my payments now. I will pay the interest difference if needed, but I just don't want to have late payments on my credit report. 

thanks
Consumer complaint received 2021-05-05
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 disputed a payment with experian with XXXX XXXX for a payment that was made for XX/XX/XXXX. I received my dispute results on XX/XX/XXXX, and Experian updated my credit with two new late payments from XX/XX/XXXX and XX/XX/XXXX that was never on my credit report for being late, nor was I ever notified about this even if this were the case. I've never let my account with XXXX go past 30 days and they should not be allowed to add late payments from 2 years ago to my credit now, because I decided to dispute an error. The people are XXXX  and I'm currently working on trying to get my bank statements from XXXX. Experian also updated my credit report that I made a XXXX payment and XXXX payment is not due until XX/XX/XXXX. XXXX is a scam are they are reporting inaccurate information. I can't even dispute it again because experian won't let me. This is unacceptable and I tried talking with a Rep and Supervisor from XXXX and got no where with this. I've also wrote to the attorney general and plan on taking legal action against this company.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2011 {$1500.00} I paid off this credit card late cause I went through some financial hardships when I was younger and I really wasn't too familiar with late payments and I really got backed up. I want to see if possible I cant get the account sponged out from bad credit I would really appreciate it. 


thanks
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (FL)

EQUIFAX IS VIOLATING MY RIGHTS AS A CONSUMER. I HAD MY ACCOUNT BREACHED DURING THE EQUIFAX BREACH AND THIS ALLEGED DEBT IS ON MY CREDIT REPORT/FILE. THEY NOT ONLY ALLOW THIS IDENTITY THEFT ON MY CREDIT REPORT. 


This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am Hurt to find out that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following account is not mine. 
XXXX XXXX XXXX Account XXXX XXXX Please remove it from my credit report. 


I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Please put this account back on, these were accidentally deleted. 
XXXX  XXXX XXXX  XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After Before Close XXXX  XXXX XXXX  Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed/Never late. 
Status Updated XX/XX/XXXX XXXX XXXX Monthly Payment {$300.00} Credit Limit {$370.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (TX)

Thank you for taking the time to address the misleading information on my credit file. While I appreciate your efforts, I am not entirely satisfied that the guidelines of the Fair Credit Reporting Act have been fully met during your examination. I believe that further action is necessary to ensure the highest level of accuracy on my credit file. Therefore, I kindly request that you conduct another investigation into the account listed below : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - I am reaching out to request confirmation of the payment history and status of this account. Based on my own payment records, I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have reached out to all XXXX credit agencies but was not resolved. I have been violated according to the laws of the FCRA which states, " I have the the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information, I have the right to ask that a consumer reporting agency block that information from your file. '' I have filed a report with the consumer federal trade commission as well and I have attached that report to this complaint as well.
Consumer complaint received 2018-12-04
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. (TX)

Since XXXX from XX/XX/XXXX-XX/XX/XXXX I have continuously disputed the debt with University XXXX XXXX with all 3 bureaus I also contacted University XXXX XXXX I was on financial aid I have continually asked for documentation of the debt they can not provide anything proving this is my debt I have not received any documentation from the bureaus how the debt was verified who and how their investigation could possibly come back as verified please assist me with assistance with getting this debt removed.
Consumer complaint received 2020-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (PA)

Checked my credit report, and saw that there was a new debt in collections from ONLNNFOXXXX. Never recieved anything in the mail pertaining to this, nor do I have the slightest clue as to where this is from. Have no clue who else to contact about this. But I believe this was done without my knowlege and / or approval.
Consumer complaint received 2020-08-22
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: ERC (IL)

I have a loan with XXXX XXXX, ERC ( Original Creditor : XXXX XXXX ), and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ERC ( Original Creditor : XXXX XXXX ), and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I am writing to you because I have been discriminated against and my rights have not been respected by Chase Bank. I have been a customer of them for many years with my personal accounts and credit cards. On credit cards I have always been an excellent payer. On Wednesday, XX/XX/XXXX I realized that my credit card had been closed, and I could no longer use my available credit. 
We are experiencing an unprecedented pandemic situation and they did not offer me help. Instead, they took measures that have generated even more anguish and economic precariousness since the credit that I had available was what I had to face medical and food emergencies for my family ( We are a family made up of my husband and I ( XXXX XXXX Men ) and XXXX XXXX daughters. Last year my husband and I were unemployed, which has been a great financial storm in our home. In addition, we suffered from XXXX XXXX. I took at least 6 months to regain my health. This year 2021 I had to face the closure of my company, something that caused a great XXXX not only in me but also in my family. During the month of XX/XX/2021, I got the XXXX vaccine and 30 days later I still don't feel completely well. I had side effects. The government has helped the banks with money and the banks do not pass the benefits on to the citizens. The government has made great sacrifices and the banks continue to charge interest rates that are usury. In addition to continuing to harass clients to collect unpayable debts that clearly announce in the account statements that if the minimum payment is paid, you will be paying for 35 years. I don't have enough life to pay for this. It is an outburst, and it is USURE. I request my rights be respected and stop discrimination due to my XXXX origin and XXXX condition.
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

I was contacted by I.Q. Data International on XX/XX/20 who was attempting to collect a false debt from me. This company accepted contract to represent their client XXXX  at XXXX XXXX XXXX XXXX XXXX Landlord ) to collect a debt that I did not owe. I.Q. Data International accepted this contract by their client even after their client violated Florida Statue 83.14. Now I.D Data International violated the Federal Fair Debt Collection Act. This company has called my work phone and disrupted my family time to collect a debt that I did not even owe. Their representatives were rude and condescending when I tried to get information about the debt they were trig to collect. In the end I had to follow their rules and send in a written request to see what the debt was for. The company never respond to my request which was received by them on XX/XX/20 at XXXX via certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) .Further on XX/XX/20 I retained a lawyer XXXX XXXX XXXX XXXX to also sent a letter to resolve this mater and not further effect my good credit. I. Q. Data also did not respond to my attorney. All documentation attached.
Consumer complaint received 2021-05-26
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)

As of XX/XX/XXXX, I became aware of all the damage the Department of Education XXXX XXXX XXXX  has caused. XXXX was reporting a derogatory education loan the entire time I was on a military XXXX in XXXX. I never had a contract with XXXX. I never provided my personal information to XXXX ; I did not consent to XXXX placing any information on my credit report. 
There were several more entities reporting derogatory education loan information, that I never had a contract with, provided my personal information to, or consented to placing any information on my credit report. 
This is a list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After talking with a representative from XXXX, I find out XXXX establishes a separate contract with these entities. These separate entities are perpetrating to be government agencies but the courts have already made it clear they are not. The courts have also made it clear that my rights to privacy as indicated in my contract with XXXX are not individually enforceable. However, when XXXX establishes separate agreements with the abovementioned entities, to unilaterally grant privileges of the stipulations contained in our contract without my consent ; is a breach of contract. 
For about fourteen years, the different entities plus XXXX were all reporting on my credit report for the same exact loan ; that is 12 to 16 derogatory reports at one time. Duplicate or morphed accounts have been outlawed by the FTC. The credit bureaus penalize consumers about XXXX points for every derogatory account reported on a consumers credit report. That is a minimum XXXX point deficit on my credit report at all credit reporting agencies ; XXXX  scores range from XXXX to XXXX ; under XXXX is considered poor credit. 
The Department of Educations punishment and then additionally allowing the individual entities to punish me for the same loan, qualifies for the Double Jeopardy Clause in the Fifth Amendment to the US Constitution of which prohibits anyone from being prosecuted twice for substantially the same crime. The relevant part of the Fifth Amendment states, " No person shall... be subject for the same offense to be twice put in jeopardy of life or limb.... " My " life, liberty, or property was unduly and permanently taken from me by the acts and omissions of the Department of Education. 
The Department of Educations vigorous, all-encompassing punishment that included other entities to purposefully maliciously drive my XXXX score down to about XXXX ; has cost me approximately {$2100.00} in interest per year. The Department of Educations actions have also cost me a mortgage with XXXX XXXX. 
These are duplicate / morphed accounts that TransUnion has failed to investigate and delete.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (DE)

I recently found out that Experian zeroed out my credit score without explanation. My credit score was XXXX in XX/XX/2020. This week, I was told by my bank that my score is now XXXX and that this was the basis for denying my car loan application. How can my credit score go from XXXX to XXXX in less than XXXX months without my having any delinquencies, charge-offs, late payments, or any other derogatory activity on my credit report?
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (MI)

They show me having a late payment on XX/XX/2019, however a representative was helping me set up auto pay and did not set it up correctly making my payment late. I did call and nothing was fixed on my credit report
Consumer complaint received 2021-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (CA)

I agreed to pay the XXXX outstanding amounts owed : {$300.00} & {$640.00}. They stated that once the outstanding amount is paid they would contact the credit bureaus to have the information removed from my credit reports. Although they notified the credit bureaus that the amount owed was paid and the balance is zero. They failed to have the negative report removed from the account. I was told initially they would remove the items from the credit report. When I called them to resolve the issue they stated they do not remove items on credit reports. They said other collection agencies do send letters to have the negative information removed but their particular agency does not. I found this misleading in telling me they do remove negative information and learned on the backed once the outstanding amount was paid that they do not.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CO)

On XX/XX/XXXX I requested that QuickenLoans released my escrow account. 

I received my escrow account for XXXX XXXX XXXX, XXXX, CO XXXX. 
I was surprised that I received a refund check for only {$0.00} cents for it. 

Reviewing the paperwork It stated They estimated and I paid you from XX/XX/XXXX to XX/XX/XXXX a total of {$1300.00} But They will ended up disbursing a total of {$890.00} for the entire year. 

I asked what happened with the difference of {$460.00}? No answer was given. 
I asked if the money was owed to me that I needed a check for it. 

Then They told me They were sitting on {$880.00} dollars in my escrow account. 
I asked They paid the remaining taxes for XXXX ( {$250.00} ) that are still due from the escrow account They hold. 
Doing this the escrow account to a balance of {$620.00}. After that, I asked They submitted a check for the balance of {$620.00} after They made that payment. 

Then I requested They closed my escrow account after the last tax payment for XXXX was made ( {$250.00} XXXX and They had provided the money back to me that They are still holding : If it is : $ XXXX {$620.00} this will be {$1000.00} total owed to me. 

On XX/XX/XXXX I paid you {$100.00} for a BPO so They would eliminate my PMI. This was done because the value of the house came back higher than the LTV of 90 % They are still holding the house hostage for, although I paid You {$100.00} for a BPO. 

With this BPO They house was valued at {$95000.00} The original loan amount was : {$53000.00} LTV is : 56.15 %. They are obligated to eliminate the escrow account when the LTV is less than 80 % value. 

I asked They closed my escrow account accordingly after They made the last tax payment for XXXX for {$250.00} and submit a payment to me for what is owed to me. 
I told them I would continue paying for insurance by myself. 

They declined ALL OF MY REQUESTS. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I filed a fraud dispute with my bank. My claim was denied and I was informed that I authorized the disputed charges because I did not report my card lost for several days. When speaking to the fraud department I informed the representative I just noticed unauthorized transactions on my account. The representative demand I give her an exact date my card was lost. I informed her Im not sure but she persist in me providing a date. I informed her the last transaction I authorized. I did not know my card was missing until the day I called to report the unauthorized transactions. I feel the screening process was misleading and deceptive. I am requesting an investigation be conducted on my behalf to clarify this issue.
Consumer complaint received 2021-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

In the years XXXX and XXXX, Equifax Information Services reported two debts in the amounts of {$19000.00} and {$24000.00}. After five-attempts to receive verifiable information in regards to the parameters of these reported debts, Equifax has only chose to respond with three " updated '' and " verified '' reports of the debts allegedly owed by me. No proof of these debts have ever been extended to me in reference to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). These reported debts are 23 and 17 years old and still today have yet to be verified by Equifax Information Services.
Consumer complaint received 2021-05-26
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. (TX)

Dear TransUnion : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The compromised accounts are : Account Account Number Provide Physical Verification Chapter XXXX  Bankruptcy XXXX Fraud Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : The fraudulent items are circled on my copy of the Identity Theft Report. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Police Report