davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
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 (VT)

Today XX/XX/XXXX I tried to have a late fee reversed. The reason for the ( 1 day ) late payment was die to tropical storm Isaias, which left many parts of VT without power or and internet included. WE paid the fee the very next day! 
Capital one would not wave the fee because we did not fit within their criteria of a " natural disaster '' for our area code XXXX. WE also had a similar issue in XX/XX/XXXX and they waved that fee but because we are within a year, they could not wave a 2nd time ; their policy! 

I am dismayed. We are hard working Americans who have not collected anything from the Government and we pay our bills! Its unfortunate that it is people like my husband and I that are taken advantage of by companies like Capital One! 

I am asking for a review and a reversal of these charges. 

Thank you XXXX XXXX
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (OH)

XXXX closed my 2 credit cards without letting me know and they would not provide me any additional information except a generic statement. I tried calling them and talking to a manager to find out but they were no help. I have over {$600.00} in rewards points on my Barclay Arrival+ credit card and they would not let me have my points. I would like to kindly request that Barclay provides my money back to me or I will have to take this to court and fight this battle. According to their terms, all points earned on cashback are mine and they should not take my money from me that I earned and paid my bill on time for over a year. This is a terrible way for them to treat their long standing customer. I will make sure to share my experience everywhere possible because there are several other issuers that people can bank with. Not someone who steals money from their customers. They should be ashamed of themselves for stealing {$600.00} fro m their customer especially during COVID-19 when all of us need extra money possible.
Consumer complaint received 2020-07-22
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to Experian and they did not respond within 30 days. I want the item Removed from my credit report for violation no response within 30 days. I have enclosed a copy of the letter that I sent them. I have also enclosed Confirmation of Certified Mailed Delivered to them from XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : EXPERIAN Dispute Letter of XXXX To Whom it May Concern, This letter is a formal notice that Experian has failed to respond to my dispute letter of XXXX. I sent this letter Certified registered mail, Drivers license copy of social security # and have enclosed a copy of the return receipt which they received XXXX XXXX, 2020. 
As you are well aware, federal law Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) requires you to respond within 30 days. It has now been Way over that period since their receipt of my letter. Failure to comply with Federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letter or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included proof a copy of my original request and the dated Certified receipt of your reception of the original letter. 
Conlusion : The following information needs to be deleted from my Experian report as soon as possible for failure to respond within 30 days : CREDITOR AGENCY US BKPT CT CA XXXX XXXX ID # XXXX Please delete this erroneous, unverified item from my credit report as soon as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (FL)

Already a victim of identity theft, Regions did n't make it any easier after all the Harsh Emotional Distress, Pain and Suffering Humiliation they put me through 1 Week of visiting 8 Regions Bank the last branch I visited XX/XX/XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I Opened 3 Bank Accounts ending in,XXXX,XXXX,XXXX Which was opened by a Branch Manager XXXX XXXX XXXX work tirelessly to open these accounts reached out to Fraud departments and operations manager 's ETC. Because I had been to several previous 7 other locations because no one would look deep into my situation to help me on XX/XX/XXXX My Bank Accounts were froze by region accounts screening for new accounts up into today me filing this report. Due to a system called XXXX XXXX so I got all information from XXXX XXXX and XXXX  XXXX my consumer reports filed from these companies stating everything was paid to XXXX $ balance and nothing fraudulent reported I emailed those documents to XXXX as he instructed me to. To have the holds and freezes release on my behalf and he did that indeed He reached out and emailed the documents to a XXXX who had placed the holds on my accounts for over week canceling my direct deposit had my money sitting in a limbo she fraud fought him on the issues ignored he request to remove holds and any freeze After she received verification that I do not owe money or had anything fraudulent reported I sat with XXXX for a hours 5 days a week up until XX/XX/XXXX I saw his frustration he could n't give a explanation on why regions was so harsh on me and did n't accept me as a law abiding citizen of the united states of America I could n't no longer endure the embarrassment from regions as I said on XX/XX/XXXX I told me XXXX XXXX to have my money released so I move on and close the accounts its obvious regions do n't want to accept me a client its harsh situation on their behalf he reached out again to a " XXXX '' The Annalyst Fraud Agent Responding within seconds she removed the holds and closed out my bank accounts.But did n't have the decently to respond to a regions Branch Manager after several messages and emails to remove the holds and freezes.To keep my bank accounts open which was approved by branch manager. It was like she took it upon herself to judge me and discriminate against me base on false accusations and inaccurate reported information.
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (PA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2021-04-08
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: Lending Club Corp (AZ)

Lending Club Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I recieved notification from a collection company for a retail ( XXXX  ) account that I did open, apparently it says it was opened in XX/XX/XXXX, I DID NOT open any new account with XXXX. In XXXX of XXXX I enrolled in a debt relief program XXXX  XXXX and 7 accounts were enrolled at this time, i ended up paying off one ( XXXX ) in XX/XX/XXXX, which left 6 remaining accounts, 1 which was a XXXX account, different account number, opened years ago. My credit report showed a collection for ANOTHER 2nd XXXX account that does not being too me, I've never paid to a second account, I have XXXX statements from MY account and the account number is not the same, my account # is XXXX balance of {$1700.00}, I did not open a second account which I believe this is a fraudulent account/identity theft. At no time did I open a 2nd XXXX account. I put a dispute in with XXXX  and the collection agency, even the told me that is very unusual to have two accounts for the same store. I expressed to them I did open that account. The balance is over {$2200.00} account # XXXX, which I did not charge or open any additional accounts with XXXX since enrolling in the debt relief program in XX/XX/XXXX. I've been working very hard to get my credit scores back on the up rise since. I will attach any documents I have pertaining to this but again this is not my account nor my debt. I am attaching the collection information as well as MY ONLY XXXX ACCOUNT I HAVE AND IT'S ACCOUNT NUMBER. Thank you, Please assist.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. XXXXeporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2023-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX SLS Specialized Loan Servicing LLC ( SLS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX PAYOFF LOAN NO : XXXX XXXX I paid off the loan XX/XX/2023. Please apply my positive escrow balance of {$6800.00}. XXXX as discussed. 

2 The principal balance is {$6800.00}. There should be no balance if you moved escrow to principal as requested. This amount should have been in additional principal as already discussed.

3 Interest was already calculated and charged til XX/XX/XXXX Remove interest of {$19.00} 4 Refund my balance of {$11.00} plus interests XXXX. 
5 Refund {$85.00} Fees collection Your statement on the pay off : If the payoff funds are insufficient, we may apply funds from the escrow account, if available, to complete the payoff. If enough funds are not available to complete the pay off, the amount remitted for pay off will be returned with an amended payoff quote. 

ANY AMOUNT HELD IN ESCROW AT CLOSING WILL BE SETTLED IN ACCORDANCE WITH APPLICABLE FEDERAL LAW.

Release lien ; the title company must prepare the release of lien. The release is mailed to the county, borrower, or Title Company for recording Sincerely XXXX XXXX
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (FL)

3 Rounds of dispute letters have gone to the credit bureaus - Equifax, XXXX and XXXX about the removal of the negative and false information on derogatory accounts being reported on my credit report but I DID NOT GET EVEN A SINGLE RESPONSE from them. These are the accounts I am talking about : XXXX XXXX Account Number : XXXX, XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX/XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX XXXX  I Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX,
Consumer complaint received 2020-07-22
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: PENTAGON FEDERAL CREDIT UNION (NY)

Pentagon Fcu-alexand Inquiry from XX/XX/2020 This inquiry was agreed to be cancelled. I had spoken to them on XX/XX/2020. They agreed due to there customer service team giving misleading information and having me wait on hold for for more than 10 hours after providing everything they asked me for. We both mutually agreed to cancel the request and I specifically asked them to than remove the late fee which they agreed due to the inconvenience. Which they agreed. So I just want my credit report corrected through XXXX, XXXX, XXXX  and all other credit scoring agency 's. The basic gist was they can not process my application and don't believe I am me which Is we agreed to everything above.
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-03-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc. (NC)

Re : Complaint Against Experian & XXXX XXXX Dear CFPB, I am writing to dispute the following information in my file. The items I dispute also are attachment copies of the report I received from XXXX XXXX. 

Experian is reporting inaccurate and incomplete payment history for last several years that I demand to be deleted from my credit report because the item furnished is false and unverified. I am requesting that the item be deleted. 

Enclosed are copies of documents supporting my position. Please thoroughly and accurately reinvestigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX I sent a certified letter to ask Experian to remove unknown names and addresses from my account. Along with letter I included a copy of my drivers license, social security card also my current utility bill. I also summited the request via web portal on XXXX XXXX. At this point nothing has been removed or updated on my account by this company.
Consumer complaint received 2021-04-09
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 (NE)

CAPITAL ONE I PAID ON THE WEBSITE XX/XX/XXXX AT XXXX CENTRAL TIME I HAVE PROOF IN WRITING THAT I DID THAT. I ALSO PAID IT AT XXXX THE MONTH BEFORE AND THEY CHARGED ME A LATE FEE THIS TIME OF {$38.00} AND LAST TIME A LATE FEE OF {$25.00}. IM NOT HAPPY THAT THEIR WEBSITE IS SHOWING THAT I PAID LATE EACH TIME ITS WRONG. I WILL NOT PAY THIS CARD UNTIL IM CREDITING FOR THIS LATE FEE. THEY SAY I PAID AT XXXX EASTERN TIME AND I DID NOT. THERE SYSTEM IS HAVING PROBLEMS THIS LAST 2 MONTHS CHARGING PEOPLE I KNOW ALSO FOR LATE FEES WHEN THEY ARE NOT LATE EITHER. 
I CALLED XXXX MGR AND XXXX  MGR NEITHER ONE WOULD CREDIT ME.
Consumer complaint received 2021-04-09
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: Experian Information Solutions Inc. (MS)

Someone by the name of XXXX XXXX has used my personal information for a order with XXXX over a year ago. I have contacted XXXX several times since last year and each time Ive spoken with them I have been told that the order was marked fraudulent but they have not refunded the loan company that issued the payment, which is XXXX. The person applied for the loan with an address that I have not been associated with in over 10 years. This matter is getting out of hand and is causing me great frustration. I have taken all of the steps necessary and have cooperated with both companies. Theres nothing more I can do.
Consumer complaint received 2021-08-20
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: GOLDMAN SACHS BANK USA (NY)

please check the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I obtained a copy of my credit report from Equifax. There 's a XXXX XXXX XXXX Court items listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the attached, the XXXX Courts emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. In this case, they claim to have validated this information through XXXX XXXX. However, per the XXXX attachment, I have a security freeze on my XXXX XXXX account which makes it impossible to validate that this information is correct. I have asked Equifax to remove this derogatory information from my credit file, yet they have refused. Considering the information indicates a Fair Credit Reporting Act violation, I need all XXXX information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.