davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2023 I received and email that there were fraudulent activity on my Capital One account, I called and they said there was a payment made and needed to verify the account. At that moment I stated that was not my account and that they needed to return payment and please unrestrict my account.They stated again that my account will not be unresctricted until the XXXX XXXX account that I dont own nor know the owner or anything of that nature can be verified. I stated I cant verify it because I dont own it and I dont know who the owner is. They kept asking if it was a friend or someone I said no. One day I called saying I wish I know someone that would do that and they thought I knew the person which is not correct. Now I am stuck with a restricted account that I am making payments on and possibly paying interest when I cant use it and later close the account under what terms? This is very unfair for a consumer specially if I said I cant verify it, I had no fault on it and I am the one suffering for it.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

Discover Financial Services refuses to refund me for an order that I paid for and never received. The order was marked as delivered with no images of delivery on XX/XX/XXXX. I contacted the company in question ( XXXX ) to let them know of this and that I would like a refund, as I was traveling soon and would not be able to receive a replacement. They refused, despite not have any written policy that says they are not liable for lost packages ( or ones that are not received ). When I questioned this, their response was that " Not all of our policies are explicitly written '', which is problematic. 

I filed a claim with Discover to dispute this charge. Discover, to my surprise, sided with the merchant after receiving a document ( that I could have provided ) that marked a timestamp for delivery. This is not proof that the item was actually received or even delivered to the correct address ( or even delivered at all ). Why? Because carriers oftentimes make mistakes. This wouldn't be the first time a customer of any company has had something delivered ... to only find that it's not actually there. Despite being a customer with Discover for 8 years and not filing a single dispute prior to this, Discover requested that I jump through various hoops to get this resolved ( XXXX, FTC, Attorney General, XXXX claims and complaints ). They did not require anything else from the merchant. This seems wildly unfair and problematic, because as my bank they hold the funds that I used to pay for this purchase that I, again, never received. 

I contacted XXXX to make a claim and they denied it saying that the merchant ( XXXX ) must file the claim according to their agreement, but XXXX has refused to do this. This leaves me with absolutely no recourse, and as a last resort ( my bank ) has denied me as well. This is ridiculous, unfair, and unprecedented. 

I am the Head of XXXX at two startups, and I file responses to chargeback every week. Every claim that has been made by a customer who says they have not received a package that was marked as delivered has ALWAYS been successful - meaning that their bank has NEVER sided with us, even though we provide proof of deliveries from carriers. Why is this not the case for Discover?
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (GA)

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/21 Enter a credit transaction to obtain a vehicle in accordance with TILA under the CPA. I was not given the full amount of my finance charge but was told I preapproved for some small amount that was less than half of the finance charge itself. Me knowing pursuant of 15 usc 1602, I was extending credit to myself, which means I shouldn't have been denied this Credit Transaction that took place.
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

I have been a target of a scam. 
I, at the request of an XXXX agent ( XXXX XXXX ), was asked to help transfer payments from buyers to the accounts of sellers whose Paypal accounts were not working.

I was given a commission to help pay for the transfer costs.

Having a past relationship with this agent, I agreed on a short-term basis to help out.

I did not realize that both the buyers and sellers were either fake or stolen accounts until the buyers were requesting their money back. 
I then contacted XXXX XXXX about this and he guaranteed me he would get the sellers to reverse the payments.

After this did not happen, I then put in a dispute on the payments to help repay back the buyers, in which he began to threaten me. 
It was not until the dispute to XXXX that his accomplices started threatening me. 
I have filed a case with the Federal Trade Commission to investigate this scam case : Report # XXXX. 
All the money I received, were not held in my account, but passed on to the sellers accounts. 
I have included the text messages between XXXX XXXX and I along with a record of the FTC report submission and any emails that are pertinent to the case. 

XXXX XXXX
Consumer complaint received 2021-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Oklahoma Student Loan Authority (IL)

On XX/XX/21 XXXX submitted my loan for a credit check to my Servicer. My Servicer had customer service agents who refused to do the credit check. Attached is proof of my report stating their is no credit freeze as of XX/XX/21. They made every excuse to deny me the Summer and Fall semester so I could not graduate. They claimed my credit was frozen so I had it unfrozen and then showed them proof and they still never did the credit check.
Consumer complaint received 2021-12-18
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. (IA)

XXXX2021 XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX2021 Made with : Transunion
Consumer complaint received 2021-12-18
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. (FL)

NEED to provide proof that I have given authorization of an accounts on XXXX/XXXX/2021 on my file. This letter is to notify It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.
Consumer complaint received 2021-06-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted XXXX  numerous times since almost 2 weeks now but the issue has not been resolved. I can not login to my account to dispute a report. I have brought this issue to their attention, however, I am often getting the run around and they have not been able to resolve this issue. Hence, I decided to seek help here as my credit score is very important to me. I would like to resolve the dispute issue in a timely manner.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXDOB XXXX SS XXXX current mobile phone XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX/XXXX  XXXX # XXXX, account is reporting 30, DAYS LATE since requested assistance due to the pandemic.

I have a few complaints in addition to the one above I HAVE NO RECORDS OF THE FOLLOWING ACCOUNTS this problem has come at a time when none of these companies has provided me with any documentation to verify the chain of title of ownership or proof of claim please delete the following accounts : XXXX  # XXXX, XXXX XXXX/XXXX  # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

ON XX/XX/2021 I 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. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi i was taking at look at my credit report and i notice XXXX XXXX which is the company thats on my credit report was open back in XXXX and it has passed the which legal expiration date of 7 years ... i notice that they are re-aging the last activity which is a violation and causes damages to my report i will like for these outdated student loans to be removed ... i have requested this numerous times with the bureaus but no response ...
Consumer complaint received 2021-06-05
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: SYNCHRONY FINANCIAL (WA)

An identity theft used my personal data to apply for a Paypal Credit account in XXXX of 2020. I have credit monitoring tools, so I was alerted and reported this to Synchrony/Paypal Credit immediately. Because of my quick response, they took {$0.00} loss since the fraudster didn't even have a chance to use the account before I had it reported and closed. 

As part of the closure process, I was assured the credit inquiry would be removed from my XXXX  credit file, as these can have an adverse impact on credit. Over a year, and 5 phone calls later, they have failed to remove it. I have even sent written requests. The most recent one I sent, I received a letter in response but they failed to take the required action as promised in the letter. I talked to them today, and asked for a confirmation that the request was made, and/or a follow up call to confirm. I was told that they have no way to offer either. I am expected just to wait for the letter that they will supposedly send me with 30 days, and if I don't receive it to call them back. This is the fifth time I have been through this loop. He said he didn't see any evidence that it had been requested on my behalf at all. 

It is completely unacceptable that Paypal Credit/Synchrony Bank will not give me any options, refuses to be held accountable for completing something they are required by law to do, and have failed to follow through completion of the required action despite promising me over & over that it had been done. Their inaction is having an adverse impact on my credit, even though they know the account opening was fraudulent, and took the steps necessary to protect THEMSELVES because of this, but won't take the simple step to help the identity theft victim by removing the credit inquiry.
Consumer complaint received 2022-10-28
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)

Re : XXXX XXXX XXXX # XXXX # XXXX Violated XXXX ( Regulation F ) FDCPA Debt Collection Rule This is not the time to Reinvestigate or Update XX/XX/XXXX your company received my Validation notice. I challenged the validity of both accounts mentioned that's currently being reported on consumer credit report. 

XXXX that time, I noticed as a result of challenging both accounts the completion of XXXX investigation, they deleted the accounts based on the lack of ability to properly verify all reported information being accurate. The deleted accounts are listed below ; # XXXX ( open account ) XX/XX/XXXX # XXXX ( Closed account ) XX/XX/XXXX I attached the law below according to the FDCPA ; XXXX XXXX XXXX Notice for validation of debts. 
( d ) Dispute ; ( 2 ) Response to disputes ; Upon receipt of a dispute submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt and, any portion of debt until the debt collector ; ( i ) Sends a copy either of verification of the debt or of a judgment to the consumer in writing. 

They didnt do that. 


XXXX XXXX had violated the FDCPA Rule 12 CFR 1006.38 ( d ) ( 2 ) ( i ) requirements by failing to send me the required Validation information and contents. 

It is my understanding the FDCPA states the XXXX and, XXXX of information must report the same information to all credit reporting agencies. 

XX/XX/XXXX, XXXX XXXX XXXX was in receipt of my default notice based on the lack of ability to properly Validate all reported information being accurate during the required validation period. 

As the accounts remained invalidated, they continued to violated the FDCPA requirements 12 CFR 1006.38 ( d ) ( 2 ) ( Regulations F ) with the continuation of their reporting. 

In addition to the listed violation ; YOU violated the FDCPA Rule 1006.18 ( C ) ( 2 ) with your deceptive reporting by failing to communicate with the CRAs that YOU received my dispute notice challenging the validity of the reported accounts. I attached the law below ; 1006.18 False, deceptive, ( c ) False, deceptive, or misleading collection means. A debt collector must not : ( 2 ) Communicate the failure to communicate that a disputed debt is disputed YOUR reporting has cause damaged to my credit score, credit worthiness, credit capacity, defamation of character and general mood of living and ; YOU have caused me Consumer Harm and, the duration of time over which the violations occurred.

However, I disputed the accounts with Equifax Reporting Agency XXXX XXXX I received copies of a bill, with a mailing date XX/XX/XXXX. I will include the dated envelope and notice with my complaint. 

This clearly violates FDCPA RULE I demand both accounts deleted immediately from my consumer credit file with the CRAs you have continued to report them to.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In Accordance with the Fair Credit Reporting Act and XXXX  Account # XXXX, # XXXX # XXXX # XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

The mortgage company claims that they post my payments to my account on the date that they receive them, but my statements show that this is not true. 

My XX/XX/XXXX statement shows a {$400.00} payment received on XX/XX/XXXX that was put in a suspense account and not applied to my mortgage account. That statement also shows a payment due amount of {$300.00} due on XX/XX/XXXX. My normal monthly payment is {$700.00}, thus they are acknowledging the extra payment was made but did NOT put it in my account. 

My XX/XX/XXXX statement shows the money finally being deposited on into my mortgage account on XXXXseveral days after they received received the payment. 

It looks like they changed their process in XX/XX/XXXX. 

I send 2 checks automatically one for the regular mortgage payment and a second one for the extra principal payment. 

Prior to XX/XX/XXXX, they would post two transactions on my statement on the same day the regular payment and the extra principalboth going directly into my account. 

On XXXX they started posting my extra principal check to a suspense account instead of posting it directly to my account. They would later move it out of the suspense account and the finally credit to my mortgage account. In other words, my principal payment was passing through a suspense account instead of going directly into my account. They did not do that to my regular payment. 

So in XXXX I had a total of 4 transactions ( 3 for the principal only payment ; 1 for the regular payment ) on my statement instead of 2 transactions. 

On XX/XX/XXXX they received my principal payment and posted it to a suspense account. On XX/XX/XXXX they posted my regular payment. Then my statement was sent to me. The credit of my XXXX payment was not applied to my account until XXXXthey left it in the suspense account. 

It is also curious is that my automated payments have not changed in probably a decade. They have typically arrived a day or two before or so before the first of the month, but now with NewRezs processing changes the payments are dated as being received 3-4 days later, curious that maybe the check posting process is taking longer with these addition accounting moves with suspense accounts. 

Compounding this, when my mortgage was transferred in XXXX and my payments were going to my old mortgage company, they were transferring the payments to the new mortgage company over ~2 weeks after they had been received by the original mortgage company. I was told there was not a penalty to me for that, but I am now concerned that the delay of the transfer from one mortgage company to the other may have resulted in extra interest costs for me.
Consumer complaint received 2021-08-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NM)

I qualified to participate in a deed-in-lieu with my mortgage company, Carrington. 
They proposed a XX/XX/XXXX closing to acquire my property, then cancelled. After several calls, emails over several subsequent weeks, I learn through various case workers in the short sale department that a " custodial file '' for my case can not be located just yet. There is no proactive response to me, no explanation from my caseworker XXXX XXXX, no apologies and most importantly, they can not provide me with a timeline for closing and completion. My attorney XXXX XXXX even emailed Carrington/XXXX. XXXX indicating that the process has stalled, and with no response to him. Meanwhile I am required to maintain the property and keep utilities connected, at great expense to me to keep the agreement in force. This is an incredible cost burden for me, a homeowner who is already cost-burdened to have to resort to a deed-in-lieu process to begin with.
Consumer complaint received 2021-07-08
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: Santander Consumer USA Holdings Inc. (PA)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.