davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since Covid 19 struck in XXXX of this year, I've been unable to work. I reached out to Capital One customer service in XXXX to see how they were supporting those of us who were negatively impacted by the virus. I spoke to two different reps who all told me the same thing ... they were changing the minimum payment to {$0.00} instead of {$25.00}. At first, I thought that they were kidding, but no, that was their big offer to help those of us out of work. So, the bank would make more $ $ because our total balance would be higher! I wrote a letter to the president expressing my dismay and disappointment in the company. 

Then, yesterday ( XX/XX/XXXX ), I called customer service again because I realized that I had been charged {$59.00} for the annual fee. I called to let them know that I'm still out of work, and asked if they could waive the charge. I again spoke to two different agents and both said no. 

I will now be closing my account because this company doesn't deserve my business. I really don't know how the execs sleep at night.
Consumer complaint received 2019-02-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (HI)

My mortgage has transferred to different servicers a few times. I had set up bi-weekly payments to reduce my interest burden. 

However, I recently noticed a message reporting partial payments are not applied to the loan but instead held in a separate suspense account until the balance is fulfilled and then it is applied to the balance. 

Is this legal? We live in Hawaii. I would think they must be benefiting from my extra money being held in there suspense account, in the form of interest in their favor. They surely must be generating interest on it. 

This defeats the purpose of bi-weekly payments. This strategy by the mortgage servicer is impeding the client/consumer/home owner from reducing interest on the mortgage and the length of the loan. 

I am very upset to just learn this. I feel this is wrong and should be illegal. It is my understanding that I am allowed to pay off the loan early and this practice inhibits it. 

I am upset.
Consumer complaint received 2019-02-24
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. (MO)

As a consumer, I would like to dispute the following unauthorized accounts reporting on my credit report, some inwhich I've disputed before but did not get the results in reference to my disputes. Having your identity compromised is a nightmare in itself but even more disturbing when you report it and the major 3 credit agencies either ignore you, or do not follow the law of the FCRA. I would like to know exactly what Method did you and your employees used in order to verify these unauthorized accounts inwhich lead back to me. The accounts inwhich I'm requesting the Method of verification for or as following, ( A ) XXXX XXXX {$680.00} ( B ) XXXX XXXX XXXX {$140.00} ( C ) XXXX {$72.00} ( D )  XXXX XXXX {$690.00} ( E ) XXXX XXXX {$630.00} ( F ) XXXX XXXX XXXX {$960.00} ( G ) XXXX XXXX XXXX  {$670.00} ( H ) XXXX XXXX XXXX {$71.00} ( I ) XXXX XXXX XXXX {$30.00} ( J ) XXXX XXXX XXXX {$5500.00} ( K ) XXXX XXXX {$2800.00} ( L ) XXXX XXXX XXXX {$1700.00} ( M ) XXXX XXXX XXXX {$0.00} ( N ) XXXX XXXX XXXX {$130.00} ( O ) XXXX XXXX XXXX {$0.00} All the above accounts shall be followed with documentation of the Method of verification used and sent to me or as stated in the FCRA laws these accounts shall be blocked, removed, and/ deleted immediately.
Consumer complaint received 2019-02-24
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: BARCLAYS BANK DELAWARE (NY)

Barclays XX/XX/2018 there was a hard pull placed on this date they said they would give me a courtesy removal. I recently looked at my XXXX XXXX and this was still here. They said they would remove it from my file. I called up again recently and they told me best to fill it out here and that you guys would be better to fix this.
Consumer complaint received 2019-02-24
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. (MO)

As a consumer, I would like to dispute the following unauthorized accounts reporting on my credit report, some inwhich I've disputed before but did not get the results in reference to my disputes. Having your identity compromised is a nightmare in itself but even more disturbing when you report it and the major 3 credit agencies either ignore you, or do not follow the law of the FCRA. I would like to know exactly what Method did you and your employees used in order to verify these unauthorized accounts inwhich lead back to me. The accounts inwhich I'm requesting the Method of verification for or as following, ( A ) XXXX XXXX {$680.00} ( B ) XXXX XXXX XXXX {$140.00} ( C ) XXXX {$72.00} ( D )  XXXX XXXX {$690.00} ( E ) XXXX XXXX {$630.00} ( F ) XXXX XXXX XXXX {$960.00} ( G ) XXXX XXXX XXXX {$670.00} ( H ) XXXX XXXXXXXX XXXX {$71.00} ( I ) XXXX XXXX XXXX {$30.00} ( J ) XXXX XXXX XXXX {$5500.00} ( K ) XXXX XXXX {$2800.00} ( L ) XXXX XXXX XXXX {$1700.00} ( M ) XXXX XXXX XXXX {$0.00} ( N ) XXXX XXXX XXXX {$130.00} ( O ) XXXX XXXX XXXX {$0.00} All the above accounts shall be followed with documentation of the Method of verification used and sent to me or as stated in the FCRA laws these accounts shall be blocked, removed, and/ deleted immediately.
Consumer complaint received 2019-02-24
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. (OH)

I was going over my credit report and I noticed that there are several unauthorized inquires of my report. I do not recall applying for any account for business or credit. I am not sure who would access my personal information for credit or business. These transactions were not originated by me nor did I give anyone permission to pull my credit report. I already own a vehicle. The following inquiries are not mine : XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. I am filing a complaint with the XXXX Police Dept as well.
Consumer complaint received 2019-02-24
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. (KY)

I have disputed the following accounts multiple times and either one of the credit reporting agencies will rightfully remove the unauthorized account and the other ones dont. I have submitted a fruad report before but still some of the accounts still remain. Before filing suit, I thought I'll try again to dispute them .The accounts are, ( 1 ) XXXX {$3300.00}, ( 2 ) XXXX XXXX XXXX {$400.00}, and ( XXXX ) XXXX XXXX XXXXXXXX., due to certain credit bureaus investigation stated account verified, I'm respectfully requesting the Method of Verification used to come to such an conclusion. What Method was used and by whom. How was the community transpired, via phone, fax, email, etc. What physical documentation was reviewed and by who. This is the information I'm requesting as a consumer. And as stated in the FCRA if the credit bureaus can not produce this then the above accounts shall be removed/ blocked.
Consumer complaint received 2019-02-24
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. (KY)

I have disputed the following accounts multiple times and either one of the credit reporting agencies will rightfully remove the unauthorized account and the other ones dont. I have submitted a fruad report before but still some of the accounts still remain. Before filing suit, I thought I'll try again to dispute them .The accounts are, ( 1 ) XXXX {$3300.00}, ( 2 ) XXXX XXXX XXXX {$400.00}, and ( XXXX ) XXXX XXXX XXXX., due to certain credit bureaus investigation stated account verified, I'm respectfully requesting the Method of Verification used to come to such an conclusion. What Method was used and by whom. How was the community transpired, via phone, fax, email, etc. What physical documentation was reviewed and by who. This is the information I'm requesting as a consumer. And as stated in the FCRA if the credit bureaus can not produce this then the above accounts shall be removed/ blocked.
Consumer complaint received 2019-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NC)

No matter how many times I dispute with Midland Funding LLC, they always claim that they don't know what I am disputing This company is claiming that I have multiple accounts with them. This is entirely inaccurate. Midland Funding is inaccurately reporting on my credit files. I have no knowledge of the accounts that they are reporting. The accounts listed as Midland funding { XXXX } Midland Funding LLC { XXXX } Midland Funding LLC { XXXX } Midland Funding LLC { XXXX } The accounts listed on my credit file are not my accounts. Midland Funding LLC are in violation of the FCRA. I did NOT give Midland Funding LLC any authorization to access or report on my credit file. Please have these accounts removed immediately. I have never been associated with these accounts. I have no knowledge about the accounts being reported. I have asked for verification, validation as well as my signatures on any documentation pertaining to the accounts listed negatively on my credit file. Midland Funding LLC ignores the FCRA, XXXX and the XXXX compliance and has not provided me with any of the information I have asked for regarding these accounts. It is unethical and unfair for Midland Funding LLC to hold me responsible for accounts that don't belong to me. I have no obligations or signed contracts with Midland Funding LLC. I look forward to having Midland Funding LLC remove all accounts that they are negatively reporting to be removed from my credit file!
Consumer complaint received 2019-02-24
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. (NV)

I disputed incorrect information being reported on my credit report by XXXX XXXX, which your company advised is not in your system and could not help me with them. However instead of Transunion performing a complete and accurate investigation, they replied in a couple of days the information was verified as accurate and did not fix the issue. Then, they allowed XXXX  XXXX to report negative information on my account after I had already paid the account off. This information they recently reported on XX/XX/XXXX was never once reported on my credit report by XXXX XXXX prior to my dispute for them to fix the error they were reporting.I did not even complain about the fact I was told the account would be removed once I paid it off, I was trying to have the inaccurate information removed. I believe this was reported by XXXX XXXX as a retaliatory report, and Transunion has not done anything to prohibit this malicious act. I have contacted Transunion 3 times since this change appeared on my credit report, the last contact with them being on XX/XX/XXXX. I have been told three different things by their representatives. First I was told there was no change on my report, then I was told there was an update but that it does not matter because the account is scheduled to be removed in XX/XX/XXXX and then I was told yesterday ( XX/XX/XXXX ) that the report was changed on XX/XX/XXXX and that it does not show a charge off/collection. The representative was rude and did not listen to my information. She just rushed me off the telephone. I was extremely bothered by this because the information XXXX XXXX should not have been allowed to report, as they were reporting inaccurate information and this account should have been deleted, has decreased my credit score and has caused issues with me receiving credit even though I had completely paid the account off in XX/XX/XXXX.
Consumer complaint received 2019-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

On XX/XX/XXXX I sent a certified letter thru USPS to BullCity Financial requesting validation of an alleged debt in the amount of { {$300.00} } that they are reporting on my credit profile. The certified letter was received on XX/XX/XXXX, at XXXX XXXX USPS tracking number XXXX and as of today XX/XX/XXXX I have not received the requested information and the derogatory item still remains on my credit reports. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my creditworthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, I have the right to dispute their claim and request validation of the alleged debt. I also understand that under the law they had 30 days from receipt of the letter to verify this item and that failure to do so within the 30-day period constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that I sent to BullCity Financial Solutions requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.
Consumer complaint received 2019-02-24
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. (TX)

I have attempted to work with TransUnion in removing an account that is a result of identity theft with no resolution. I have attached my identity theft report and police report for further assistance. 

The following accounts I am disputing are : XXXX XXXX XXXX ( Identity Theft )
Consumer complaint received 2019-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC (NM)

In XXXX of 2017 I applied for a {$2500.00} loan and was approved with Rise. I was aware of the high interest rate of 238.90 %, but at the time I needed some financial assistance and this was my only option. The payments are due approximately every 2 weeks. Since then I have made approximately 32 payments of {$230.00}, which sadly comes out to about {$7500.00}. I called today to pay off the loan and was shocked at the amount they gave me, {$3300.00}. If I paid that amount, the total amount paid is {$10000.00}, which is more than the term of my loan agreement. It appears that all the payments I have made has only been going to interest and I have not been applied towards the principal. 

I was reading up on New Mexico 's laws in reference to loans of {$2500.00} or less and I just do not see how this company is able to make me pay more than what is in my loan agreement. I am not able to retain a lawyer to look into this, so this is the route I am having to take. I would greatly appreciate any and all help/information you could give me. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-23
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 (OH)

I took steps to enroll in auto payment at every XXXX to prevent being late. The minimum amount for XX/XX/XXXX was {$110.00}. On the XXXX, my request for partial balance transfer on my Capital One account from my XXXX card in the amount of {$1800.00} was credited to my Capital one account which was more than the minimum amount required. I chatted on line with XXXX an account supervisor on the XXXX and discussed the situation of " Double payment/ Redundant payment. I asked if I could get reimbursed for the minimum payment made on the XXXX. He said 'No '. I asked if that amount can be considerd as XX/XX/XXXX payment. Again, He said 'No '. My contentions are that Being in a Supervisory Position, he could have made a request to the particular department that can take care of my requests. Their IT can in probability take care of this. There was no pause I observed in ready answer for him to ask or consult with any department. They never informed me whatso-ever that, that's their policy, 'NO REFUND/REIMBURSEMENT '' for consumer 's mistakes on payment.
Consumer complaint received 2020-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-02-23
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. (FL)

XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX IN XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX
Consumer complaint received 2019-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

It's a shipping service called " XXXX XXXX '' used by a cattery. Based on contract they charge me {$950.00} in total for cat & shipping on XX/XX/XXXX. On XX/XX/XXXX they ask $ XXXX+ {$1000.00} for vaccine, rental of crate and insurance, which is not on contract and claim to be refundable. On XX/XX/XXXX they claim my cat is dead and promise {$8000.00} full refund, but another {$1200.00} processing fee. Afterwards they cut off my call or email, vanished with money. I called Bank of America for help immediately, try to revoke these four transactions, providing receipt, refund document, payment detail, email evidence. On XX/XX/XXXX they deny my claim, saying the receipt of service/merchandise must be solved by myself with merchant but like I said I can't connect merchant. They are in another state and don't reply my email or call.
Consumer complaint received 2020-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several accounts that is reporting inaccurate late reportings on my credit file. The following accounts are reporting inaccurate lates : I was never 30, 60 or 90 days late on the following accounts : XXXX/XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX XXXX XXXXXXXX  - Open date XX/XX/XXXX The following accounts is not mine : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-02-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Onity Group Inc. (TX)

I am being contacted by a law firm for ocwen threatening foreclosure and to sue me for attorney fees despite XXXX of debt paid into a chapter XXXX and on the advise of counsel converted to a chapter XXXX. I have asked for assistance year over year. It is clear my loan was a part of mortgage fraud and greed. Yet I am left with nothing. Ocwen did not once attempt to call me. Everyone once again trying to get my home and equity to profit of me. My home did not close the sale because ocwen stated I owed a discharged paid debt from XX/XX/2005. The closing fell through.