davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (CA)

I signed up for a XXXX Red card and set it to paperless statements and meant to set up automatic payment. The automatic payment was not set up so my first payment was missed. There was no notification from XXXX and they charged a {$38.00} late fee. This happened again for two more months with no notification. The first notification I got was from a collections agency over the phone where I stated that there was no notifications. The agent claimed there were many notifications but that is false. I have many XXXX Emails and none are notifications of late payment. I have XXXX credit cards with on time payments for over 15 years and plenty of money in my bank account so there was no reason for me to let it go unpaid except for error which could have been quickly corrected with a simple late notification. In stead XXXX is demanding over {$100.00} in late fees on a single purchase, {$39.00} balance. I feel that XXXX was negligent in notification policy and is improperly profiting through late fee charges at my expense.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have provided proof from the creditor. Experian has no attempt by me mailing it to them 2 times nor uploading the documents on here. 
I have also file with the FTC and seeking legal advice to see how to file a law suit on Experian. 
Experian does nothing but play games and collect wrong information and can never back up or prove what 's on the report. Experian can not provide me nothing documented from the creditor. I need proof as I have from them to correct the issue or delete the account. 

I need proof showing a written off amount of {$410.00} as stated by Experian for XXXX 's I have also mailed for the 3 RD time from the creditor as {$0.00} owed
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I have Mr. Cooper mortgage for years now. On XXXX XXXX XXXX I made an additional payment of $ XXXX towards my principal. More than 4 days - it's not reflected in the Amortization schedule ( Amortization schedule is not even visible ). 
Even after so many additional principal payments, Payoff calculator is way off and it still shows XXXX maturity date while it should start showing something likeXX/XX/XXXX/XX/XX/XXXXas the initial date. 
There are lots of discrepancies on their website to reflect the balance and total. 

When called customer service on Friday and also chatted - i was assured of fixing this - but no fix till this point of time. Customer service there is a long wait. Auto bot doesn't let customers talk to the real person.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This complaint is about Equifax credit reporting company. I have asked them repeatedly to remove the loans which were originally done over 8 years ago. XXXX XXXX XXXX XXXX then sold them to XXXX XXXX XXXX. We reported this unlawful transaction to XXXX and XXXX credit reporting companies and they have removed them in a timely manor. Equifax has continued to drag their feet by refusing to remove them after repeated CFPB complaints to them. they still appear on page 5 of my 26 page credit report dated XXXX-17. These 3 negative reports from Equifax is causing me not to qualify for Refi loan at a lower interest rate.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently looked at my credit reports and I noticed a few companies are reporting some late payments that are not accurate. I am requesting that the creditors remove or update any and all inaccuracies. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-08-11
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. (MD)

To whom it may concern, I am writing to request information about the account XXXX XXXX BANK on my credit reports XXXX, XXXX, TRANSUNION. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Consumer complaint received 2017-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I opened a Webster bank account with a promotional code XXXX {$350.00}. Based on a discussion with a banker on XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, CT XXXX location I was told that if I meet the requirement of having a direct deposit of {$500.00} or more by XXXX/XXXX/2017, I will get the {$350.00}. However, when I contacted Webster bank online to inquire about the status of the bonus I was told I am not eligible because I did not meet the minimum opening deposit of {$500.00}. This requirement was not relayed to me by the banker during my XXXX XXXX meeting, nor it is explicitly stated in the terms of the promotion. If this type of account does require this amount of opening deposit as Webster representative claims, I should not have been allowed to open it in the first place with a lesser amount. I did fulfill all the other terms of the promotion, i.e. over {$500.00} in payroll direct deposit.
Consumer complaint received 2017-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc. (TX)

I paid for the purchase and balance of {$15.00} in XXXX XXXX. 

XXXX XXXX, XXXX did NOT credit my payment and charged late fee of {$29.00} I called and was told PAYMENT would be credited to account and late fee waived. 

I continued to receive statements showing more LATE FEES of {$39.00}, {$39.00}, {$39.00}, {$40.00}, and {$41.00} until the balance is at {$280.00}. 

XXXX 's charged off and sent debt to collection agency ARS. 

I have faxed to XXXX 's on XXXX XXXX, XXXX and emailed to ARS on XXXX/XXXX/XXXX but have not received any response.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (MD)

I have filed a fraud complaint with XXXX and they have her recorded stating to cancel the service and now charging me XXXX for equipment she threw out against her for the XXXX and also filing criminal charges for opening a XXXX card with all my information and XXXX says she forged my signature to open the credit card. Fraud Ticket Number XXXX. 
I am on the phone with XXXX to get the application where she signed my name and will go to the police department tomorrow to file charges against her. 

XXXX XXXX AKA XXXX XXXX has open a XXXX Card in MY name without my consent and signed my name she also canceled the cable and threw the boxes in the trash without my permission she is not on either account and just found out about the credit card because its in collections.. I need help please She also fraudility gets food stamps he mom and sister and XXXX XXXX helped her do this and they all work and gte food stamps she tried to get disability until they caught her cleaning houses and now her mother XXXX XXXX is lying to get disability and all se their pain pills. XXXX XXXX and XXXX XXXX all see several doctors to gte massive amounts of narcotics
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I acknowledge and appreciate the time you have dedicated to addressing the removal of certain information from my file, arising from an alleged identity theft. However, there are still remaining items that require your attention. According to the FCRA Section 605, it is mandatory to eliminate any items identified in an Identity Theft Report # XXXX. Previously, I have communicated these concerns in a prior letter, and I am reiterating them in this correspondence along with a new FTC report # XXXX : XXXX XXXX XXXX XXXX XXXX  -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Balance XXXX {$32000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX. I have informed my attorney of my intentions, and they are prepared to hold you accountable in the event of willful noncompliance. Please be aware that there is a four-business-day deadline for the removal of these reported items resulting from the alleged identity theft. I want to emphasize that I do not consent to XXXX or any form of automated verification.
Consumer complaint received 2017-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (MO)

This company closed my account and then re-opened it up without written consent I was not notified they opened the account back up I have proof the account has been closed and no written notice was sent to me. 
I have been disputing this company regarding the debt for months. I have asked them to validate and verify my debt. 
Perhaps thats why this has happened. 
But its a direct violation of my rights
Consumer complaint received 2017-12-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have a mixed credit file with another family member. XXXX and XXXX have removed the Public Record but XXXX and Transunion refuses to call the Court House to investigate. Numerous inaccuracies exist including wrong address, No  dollar amount, wrong District for Bankruptcy and furthermore they say it happened on my birthday. Please remove this from my file?
Consumer complaint received 2017-11-29
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 — Problem with personal statement of dispute
Company: AES/PHEAA (LA)

I apologize in advance if this complaint is out of your scope of action, but I am frustrated. I reached out to AES in regards to my sons student loan that I am a cosigner on. I explained to them via a " direct credit dispute form '' that they furnished where I explained that I take my credit very seriously and pride myself on not having any derogatory marks on my credit report and that AES has always been paid " on time '' for many years now. In XX/XX/XXXX when I was paying bills electronically as usual and on time something went wrong either on my part or with my bank but none of my transactions posted even though I had thought they had. It was n't until I received a late notice that I realized none of my bill pays posted. I immediately paid all payments that did not post thinking everything was alright and current. I asked that AES look at my payment history and/or any of our other student loans and it should be evident that this clearly was some type of glitch and I requested a " goodwill '' gesture to have the negative mark they placed on my credit report removed. I only contacted AES because none of the other three student loan companies had a problem with the XX/XX/XXXX issue. AES did respond to me stating only that it is their responsibility to report accurate information and that nothing will be done. I do n't feel based on my credit history that this was very fair on AES part and I am hopeful that you can assist in my dilemma. On my sons side he is almost XXXX and is a struggling XXXX where with so many graduates defaulting on their loans you would think a student loan company would be more understanding of graduates that are paying their debts back for XXXX. I hope you can help and thank you!
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX my lease account with XXXX XXXX in XXXX XXXX was paid in full. On XX/XX/XXXX the account was shown in the credit report with " Collection '' status and indicating missing payments on XX/XX/XXXX and XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to XXXX XXXX with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on Equifax still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with XXXX XXXX with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from Equifax, with this account on the same status. A call with XXXX XXXX was performed today, XX/XX/XXXX, with XXXX XXXX at XXXX from XXXX XXXX and her indication was that they have the documentation that was provided on XX/XX/XXXX, but no correction was made.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

Sebonic/Cardinal financial keeps delaying loan closing and asking for documentation I 've already sent multiple times. They then keep adding rate lock extension fees for the delays because they wo n't acknowledge the paperwork I 've already sent. Even after they have acknowledged that they have all paperwork, they come back with more questions right before closing and then use this as an excuse to add additional extension fees. They know that it will take me 30 days to get another lender to finance the property so I have no recourse, but to pay their increased fees or lose the house.
Consumer complaint received 2024-01-31
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Today I checked my credit report from Equifax. My score drop four points for no apparent reason. Equifax also continues to show accounts and inquires on my account that is passed the seven year time period. They also show accounts where they have not received any viable documentation that the debt is accurate
Consumer complaint received 2017-12-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

PORTFOLIO RECOVERY ASSOCIATES -- Opened XX/XX/XXXX ( 4 yrs, 5 mos )  Account status -- Open Responsibility - Individual Original Creditor Name -- XXXX XXXX XXXX XXXX XXXX Balance - {$3700.00} This card was a SECURED credit card with XXXX/XXXX XXXX. I have tried repeatedly to obtain information on this account from PRA and have received none of the information requested. This account was requested to be closed on XX/XX/XXXX and was never used after that date, no payment was made after that date.
Consumer complaint received 2024-01-31
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. (GA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX  XXXX : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX **** Balance Owed : {$140.00}
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I hope this letter reaches you well. I am writing to dispute and urgently request the removal of fraudulent accounts from my credit report. XXXX XXXX XXXX, XXXX XXXX : XXXX and XXXX : XXXX The unauthorized accounts, reported through identitytheft.gov, have been acknowledged by the respective banks as invalid. However, the prompt removal is yet to be processed by your bureau.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Merchants and Professional Bureau, Inc. (TX)

MERCHANTS AND PROFESSIONALS XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX MERCHANTS AND PROFESSIONALS : I have asked them on several occasions to please stop calling threatening and harassing me about the two alleged accounts. They keep telling me that I owe them two debts in the amount of {$26.00} and another amount of {$78.00} for two separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me depressed. i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!
Consumer complaint received 2021-02-08
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This delinquent account record is inaccurate because I dont recall making a payment late. Under the Fair Credit Reporting Act, I have the right to request method of verification of the creditor reporting the late payment. I request proof that I am indeed the party you are reporting the late payment for from the creditor validating the evidence of this late payment reporting. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I had signed up on CoinBase in XXXX XXXX with all my information and verified my identity with drivers license which was accepted and verified. Subsequently I was allowed to conduct transactions and purchase cryptocutrency. Over the last month it is not allowing me to do buy, sell or transfer my crypto currency stored on their site asking for verification again. I have tried doing so several times and have sent them numerous messages to ask what other information I can provide, but havent received any response. Meanwhile my funds are tied up with them and I can not access, transfer or sell and close out.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2015-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Seattle Service Bureau, Inc (TN)

I received a letter from National Service Bureau stating they were sending a letter to the XXXX asking them to suspend my driver 's license due to an accident in 2014 in which I had no insurance. In reality, I never had an accident in 2014 or at any other time in my 40 year driving history. Further, National Service Bureau provided my driver 's license number and date of birth to the XXXX. When I contacted NSB, they would not release where they obtained my personal information. Now I have received a letter from the XXXX stating that my driver 's license is revoked!
Consumer complaint received 2020-05-05
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 (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

For whatever reason they keep putting this inaccurate XXXX on my credit reports that they actual made the error on when I asked them to add my XXXX. The attached is NOT my address and NEVER was!