davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I 've been trying to dispute some inaccuracies on my credit reports. For some reason the credit bureaus NEVER respond back to me. That 's pretty strange because i know it is my right to dispute any inaccuracies i notice. Is that legal? Please investigate the following accounts. 


XXXX XXXX date of last activity is not reporting right. 
XXXX XXXX XXXX XXXX account is inaccurate. Three collector 's are trying to collect on this one debt. The balance owed is not correct. 
XXXX XXXX XXXXXXXXXXXXXXX XXXI have never done business with nor have i been contacted by this company about this debt. 
XXXX XXXXThe rating on this account is wrong XXXX XXXXXXXXThe balance should be {$0.00}. 
XXXX XXXX XXXXThis company is illegally collecting on this account. They are not licensed to collect debts in Louisiana and that is ILLEGAL. 
XXXX XXXX XXXX XXXXthis account in inaccurate. 
XXXX XXXX XXXX XXXXThe date of last activity is incorrect. 
XXXX XXXX 've never done buisness with XXXX XXXX XXXX XXXXThis creditor along with two others are attempting to collect this debt. This company no longer has this debt. Please remove.
Consumer complaint received 2024-02-01
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NV)

I paid the balance off on my Sam 's Club synchrony bank credit card. I usually pay it off and occasionally have a balance. I've never been late the entire time I've had. I always pay early and more than the minimum. I paid it of XX/XX/ 2024. I paid {$940.00}, I used a week later and spent {$170.00}. I checked my account today and I now have a limit of {$100.00} and my limit used to be {$1000.00}. I will now be over the credit limit, since they lowered my limit after my purchase. I made my purchase on XX/XX/ 2024, approximately. So, they have effectively lowered my credit score, as well as intentionally put me over my credit limit. Even though I have routinely paid the card off, used it regularly, and I have never been late paying it. When I contacted them today, they did not help or explain why my credit was decreased, however the representative did note to me that it was not because of any late payments. Which I knew, because I never made any late payments.
Consumer complaint received 2022-09-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2022-09-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp. (FL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (WI)

Hi, Im writing to you regarding an account that I had with XXXX XXXX. I just found out that I had a {$22.00} balance past do for many months ( It is been paid ) .... never got a call from them or a later colecting the balance so as a result my credit was really damage and Im not being able to get a credit card that I really need. 
Im been traying to rebuilt my credit little by little and this is big set back. 
I need help Thank you XXXX XXXX
Consumer complaint received 2018-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe that I made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me
Consumer complaint received 2021-09-09
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: Santander Consumer USA Holdings Inc. (CA)

This account was closed well over a year ago. It was charged off. I have no business with this lender and need this lender to remove his inquiries from my credit as when I did have this account it was being ran multiple times without my authorization. Please remove this account as I no longer have business with this account and its only impacting my credit.
Consumer complaint received 2019-08-01
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. (GA)

It came to my attention that my personal information was leaked in a data breach. I am not sure how the breach occurred but what I am certain that it has affected my credit adversely. I have many items that are not appearing on my report due to someone gaining access to my personal information. I have taken the necessary steps instructed through the FTC website but the errors are still appearing on my credit. This is after I contacted the credit bureaus with all the necessary documents they requested. I am writing your organization today to see if you can assist me in helping remove these fraudulent accounts off my credit report.
Consumer complaint received 2017-07-28
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 (CA)

I called Capital One Financial Corporation a few weeks ago in order to get account statements from 2011 to the closing of the account for tax purposes. Since the account has been sold to a collections agency, they refused to send me the account statements and instead told me to contact the collections agency that owns the debt.
I am not yet ready to start paying off the debt and am concerned about predatory collections agencies making life difficult for my family and myself so I need to be able to get the account statements from CapitalOne without engaging with the collections firm.
I have already talked to the Office of the Comptroller of the Currency and relevant California state agencies about this issue and all have redirect me to the Consumer Finance Protection Bureau.
Consumer complaint received 2022-01-05
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: OPORTUN FINANCIAL CORPORATION (FL)

My identity was stolen in XX/XX/2020 and they opened a loan account through XXXX XXXX. I submitted an affidavit that my account was stolen, I called the bank, submitted a police report and filed a case in XXXX I still have a balance on my credit report from a loan they disbursed to the thieves.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

ACCOUNT TYPE OPEN ACCOUNTS ACCOUNTS WITH A BALANCE REVOLVING XXXX XXXX {$52000.00} {$16000.00} {$68000.00} {$1500.00} ... WRONG! 
MORTGAGE XXXX XXXX {$230000.00} {$13000.00} {$240000.00} {$0.00} ... WRONG! 
INSTALLMENT XXXX XXXX {$5000.00} {$9900.00} {$15000.00} {$480.00} ... WRONG! 
OTHER XXXX XXXX {$0.00} {$0.00} {$0.00} {$0.00} TOTAL XXXX XXXX {$280000.00} {$39000.00} {$320000.00} {$2000.00} ... WRONG! 


*ALL OF THESE BALANCES ARE WRONG!
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

I tried to make a payment on my XXXX 's credit card balance XX/XX/XXXX ( Due date ), but their system was not working. Finally, I was able to make a payment after a technician took a payment over the phone after the due date. And he confirmed me that they will take care of the the late fee since this is their website issue. 

But I still see a balance on my account and when I tried to solve it over the phone they were not able to solve it, instead they refer me me back ab forth with different agent and several minutes without any issue. 

Even till this day when i tried to see the statement I'm see a black screen with a busy sign ( please see attached )
Consumer complaint received 2017-07-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Specialized Loan Servicing Holdings LLC (NC)

1 ) Notice of foreclosure from XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) dated XX/XX/XXXX states the Creditor to whom the debt is owed as XXXX XXXX XXXX, XXXX. s/b/m/ to XXXX XXXX XXXX  XXXX. ( enclosed ) 2 ) The true secured creditor was revealed by XXXX as being XXXX XXXX XXXX XXXX XXXX, based on a qualified written request. ( enclosed ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) became the secured creditor and owner on XX/XX/XXXX. This fact was confirmed by both XXXX XXXX and by a Declaration and Affidavit of an expert witness. ( enclosed ) 4 ) We recently received Notice of sale for XX/XX/XXXX from XXXX XXXX  XXXX on behalf of XXXX XXXX XXXX. ( enclosed ) The action against us was initiated in XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX as Owner of Note as shown in the letter from XXXX XXXX XXXX XXXX, XXXX. Clearly XXXX XXXX XXXX XXXX XXXX has been the owner of the Note since XX/XX/XXXX. This home was erroneously foreclosed by the improper party.
Consumer complaint received 2018-03-26
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: Experian Information Solutions Inc. (TX)

To CFPB, In response to case # XXXX my attorneys and I previously decided to contact you concerning the bogus addresses on my Experian credit report, as stated by Experian in their response they sent me a copy of my credit report but did not show that the old bogus addresses as having been deleted so once again my attorneys are furious because of what seems to be a game Experian is playing and I remind you CFPB that I have been instructed by my doctors not to be engaged in stressful situations because of XXXX  I have suffered so now its time to take action against Experian..
Consumer complaint received 2017-07-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (MI)

On XX/XX/XXXX, the state of michigan 's step forward program which was created by the hardest hit fund sent over {$15000.00} dollars to Amerihome Mortgage company to bring my account current to avoid foreclosure proceedings. Amerihome acknowledged those funds on XXXX XXXX, 2017. I just spoke to a representative today on XXXX XXXX, 2017 acknowledging that I am current. However a different representative today has told me that I am still in a state of foreclosure and the sheriff 's sale is still listed for XXXX XXXX, 2017. They also will not let me make a payment for XXXX XXXX, 2017 when the payment is due until the past due amount of {$15000.00} dollars is paid. I am consistently getting inconsistent information and the phone calls are becoming harassing stating that I still owe money even though they have already accepted funds to bring me current by the State of Michigan 's program.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

When I signed up for my credit cards with capital one I opted Into the credit protection services plan. When I lost my job I tried to use it as AND the company told me that they had discontinued the service as of XXXX XXXX 2016. I did not receive any email or info in the mail about the discontinued protection services plan ...
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NE)

Wanted to pay off loans during COVID with no interest. I called and was told the amount to pay in full was {$3200.00}. I made the payment and was told I was paid in full. Now there is an additional $ XXXX on my account. I keep trying to set up auto payments and they are being denied and I am not being notified. I keep calling and resetting these up but they don't want to fix anything. I was told that I have to keep track now after COVID because their systems are XXXX XXXX. This should not be my issue and how can I trust them when clearly they do not know what my balance even is.
Consumer complaint received 2022-09-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2021, my bank ( XXXX XXXX ) made a wire transfer on my behalf to JP Morgan Chase Bank, ABA XXXX, Account Number XXXX. The amount transferred was {$17000.00}, in payment for an antique automobile that I was purchasing. 

On XX/XX/2021, I discovered that I had been scammed by the account holder. The business entity which had solicited my payment could not be contacted by phone or e-mail. 

On XX/XX/2021, XXXX XXXX attempted to recall the wire transfer and was informed by Chase that the funds were unavailable for return. 

I subsequently called Chase Bank to ask for assistance but was told that, since I was not an account holder with Chase myself, they could not help me. 

I filed complaints with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) system as well as the FBI Internet Crime Complaint Center and called the Consumer Financial Protection Bureau. 

The police in XXXX XXXX, Virginia, where I live and the XXXX, Florida police have informed me the bank records of that account would have to be subpoenaed and investigated in order to prosecute for recovery of the funds.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I just received a secured platinum credit card for capital one. I put down {$49.00} for a deposit and had a {$200.00} limit. I tried several times to make a payment, but for some reason it was trying to take the money from my old checking account. I didn't realize why it wasn't going through and added a debit card to pay the bill that way. It took the {$100.00} from my bank account but when I checked my account it said it was now restricted. I called into make sure the payment with through but they've told me they have just closed my brand new account. They told me I could apply again, but when I just did, I was now denied for the exact card I had had.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX Closed Statement was never received due to a change of address. Notification was file with Postal Service and mail was not forwarded by post office.

XX/XX/XXXX Closed Statement was not received from post office. Late fee of {$26.00} was added.

XX/XX/XXXX Payment was received and another {$10.00} late fee was added.

++++++++++++++ I call you by XX/XX/XXXX mentioning that I was unable to access my account online. You told me that a new password will send my mail. I gave you my new address and requesting you to mail me a copy of my statement so I can pay for it.

I mailed you a copy of my notification to postal service and also a letter on XX/XX/XXXX asking to wave this late fee.

On XX/XX/XXXX I received your letter with a {$25.00} credit. I sent you an online payment of {$63.00} on XX/XX/XXXX.

The way that your accounting is done, is very confusing to the customer.

And today XX/XX/XXXX, I received another statement where it show the credit of late fee, and charging again this {$25.00} late fee with an additional {$10.00}.

For a purchase made for an amount of {$36.00} with all late fees is costing me more than the original purchase. 

I will not buy any XXXX product unless they replaced you and to get my credit back. 

As I said from the beginning, I have nothing to do with this confusion. Change of address was sent ton postal office, no mail came and even after I called requesting my statements.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX  Date of inquiry XX/XX/2022