davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I am writing concerning my experience with Capital One that is both a grateful thank-you and a pressing request concerning my account. 

I received my Capital One credit card on XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XXXX of XXXX I made 1 late payment. 

This letter is regarding a 7 year old Kohls credit card which is issued by Capital One. Ultimately, my Kohls card was closed due to inactivity. No correspondence was ever sent to me encouraging me to use the card. 

The Kohls policy in the terms and conditions does not require them to do so. However, consideration for your clients credit report and score should have been taken into account. A point worth mentioning, my Kohls limit was never increased from {$300.00} in 7 years even though my score is nearly 800. That removal while small in amount hurts my overall credit score length of history, which was through no fault of mine.

Since the late payment does not reflect my current status with your Capital One credit card, Im requesting that you remove the missed payment with the three major credit bureaus.

Not to mention, I have made 200 on time payments with 16 revolving accounts over the course of 4 years.

I sincerely hope that Capital One, as an act of good conscience and fairness will right this wrong. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you again for the time you have spent reading this correspondence. 

Very hopefully yours, XXXX XXXX
Consumer complaint received 2021-09-02
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. (SC)

My name XXXX XXXX with XXXX # XXXX. I sent you a letter regarding some misleading information on my report XX/XX/2021, but to this day XX/XX/2021, I still got no response from you. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now. i only want for those inaccurate information my report delete because its affecting me a lot. My information was impacted by Equifax data breach and may got into hands of the wrong person and it's your obligation to fix all these errors.
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-23
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00}
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (NC)

On XX/XX/2023, from my Square Bank account/merchant account I went onto the XXXX App and requested a check and/or debit of {$2100.00} to pay my lease at XXXX XXXX XXXX  ( please see the attached copy of the check ). Please note that Square Bank debited the funds from my account immediately. I forwarded the check for payment immediately via email XXXX. 

On the morning of XX/XX/2023, the assistant property manager came to me and said that they were unable to deposit the check via bank imaging. I immediately called Square and I was directed to XXXX in Square customer service after explaining the situation and emailing XXXX at XXXX a copy of the check. After approximately 90 minutes of my time on the phone with XXXX, she advised that she was escalating this matter to financial engineering to help resolve the issue. I explained that my rent would have a late fee that I would hold them liable for if it was not received by XX/XX/2023. XXXX told me that would get this matter resolved yesterday. At XXXX XXXX  I sent XXXX at Square an email and advised that I need the money credited back to my Square account and I would just initiate an ACH transfer. I never heard back from Square until I called again on XX/XX/2023 at XXXX XXXX  XXXX ( I will attach both emails ). 

This morning I was on the phone with XXXX at Square for 54 minutes explaining this matter once again. I told her that Square needed to deposit the money back into my account with the late fees their negligence had created for me. XXXX advised that once there was an escalation status they could not just terminate and credited the month back to my account. However, she then asked for permission to go into my XXXX app and she suggested that I cancel the check. I told her that Square was responsible for my late fees and she said that Square would not refund me. I asked to speak with her supervisor and she indicated that her supervisors would not help me. 

I am in the process of completing my XXXX  and a XXXX XXXX in XXXX XXXX XXXX XXXX ; however, I was an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for approximately 23 years and I have never seen more disregard for consumer welfare and unethical business behavior than what I have witnessed from Square. The reason that I used my banking app with Square was due to the fact that I tried to transfer funds to my normal checking account 5 times on XX/XX/2023, and Square was having technical difficulties and was unable to complete the transfers on that date. 

Square 's support telephone number is very difficult to locate and it takes too much time for a self-employed individual to resolve the matter. Their fees are very high for the inadequate service that they provide. I request the following from Square : - My late fees for my rent ( {$100.00} ), - My hourly normal fee is {$120.00} per hour and I now have 3 hours invested in trying to resolve their unethical conduct, and - The crediting of my funds ( {$2100.00} ) immediately back to my account. 

Thanks,
Consumer complaint received 2022-08-23
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. (CA)

I have been disputing with XXXX on multiple accounts that they are reporting on my consumer report without my consent, or option to opt out of it. I know that a credit report is supposed to be fair and adequate and with the negative information that they are reporting it is all but fair and adequate. XXXX is in violations of my consumer rights. They have violated 15 usc 1681 I ( 7 ), 15 usc 1692 ( E ) false and misleading information, 1692 a ( 3 ) ( 5 ) ( 6 ) B ( 1 ). XXXX is also in violation of the privacy act of XXXX. Most definitely in violation of 18 usc 892-894.
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

No or around XX/XX/XXXX. I contacted XXXX costumer service or what I thought was XXXX customer service. After explaining the reason for my call I was Transferred to a supervisor, and was told there was suspicious activity and my account. And to rule me out the need to verify my IP address. By creating a dummy account ; in which to trace the fraudulent accounts. I was instructed to send funds through XXXX in the amount of {$1400.00}, {$1500.00}, {$500.00} and {$1900.00}. The {$1900.00} I tried to cancel but was unable to do so. The funds was sent to a XXXX. Which I thought was to track and verify my IP address. And the transactions would be reversed. I was advised to act knowledge and verify each transaction so I did. I explained all this to Bank Of America, on the XXXX. Of XXXX. When I filled a claim. I do not know anyone name XXXX. And this was an way to trace the false accounts by XXXX.
Consumer complaint received 2021-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Hello CREDIT COLLECTION SVCS ; XXXX XXXX XXXX  ( Balance : {$140.00} & Account number XXXX ) ; Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2022-08-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (MN)

Good Evening : I am hoping you can help. I refinanced my vehicle on XX/XX/XXXX. I was promised a seamless refinance. I received the packet from XXXX in just a few days. I submitted the completed packet as requested to initiate the refinance immediately. For clarity my original lien holder was XXXX XXXX XXXX. My new lien holder should list XXXX XXXX Bank XXXX On XXXX, I contacted Flagship to inquire if the lien release has been sent as requested. They confirmed and stated my account was closed. More time goes by and I still did not receive a title with the correct lienholder. Starting in XX/XX/XXXX, I have contacted Flagship on 5 occurrences asking them to send my lien release to XXXX. They stated they mailed and faxed the lien release on several occasions. I started contacting XXXX in tandem with Flagship starting XX/XX/XXXX to current date ( many emails to them ). XXXX stated stated on XX/XX/XXXX We received your lien release, allow time for the state to process. 
Since XX/XX/XXXX XXXX has stated : -Flagship will not communicate with us about your lien release. 
-We are still waiting on your lien release -The lien release we received will work -The state ( MN XXXX  ) will not accept the notarized lien release we have received -We need the original lien card or a notarized copy of the state form for refinance. 

As you can see, I am receiving VERY different responses. 
I work for the state. In fact, the part of the state that processes titles. A notarized statement ( from Flagship ) will work so I am not sure what the problem is. I am so beyond frustrated as I have contacted Flagship AND Upstart more occasions than I can count ( in writing and by phone ). I am so beyond frustrated I do not know what to do anymore. I refinanced so I was not paying 16.5 % interest and now I cant even get the correct title to my vehicle. 

Please help me so these two banks can figure it out. I cant do anything without a title. Please help me. 

I have only attached a few of my communications ( I have many ) I have had with Flagship and XXXX XXXX XXXX
Consumer complaint received 2022-08-25
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. (WA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NV)

I have to pay a ballon payment on my 2nd mortgage. The mortgage company is Specialized Loan Servicing. The ballon payment was due in XXXXI contacted SLS XX/XX/XXXX to have them send me a payoff quote. When I inquired about the status of the payoff, they told me it was never mailed. I have attempted to order the payoff many times since, and still have yet to receive it. When I call SLS they tell me it will be mailed, and it will be e-mailed to me in one business day. I have a conditional loan approved from my personal bank to pay the ballon payment off, but they need the payoff quote. I also can take money from my 401K, but they also need this document. SLS has threatened to forclose, but they will not send me the document I need to pay them off.
Consumer complaint received 2022-08-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

IT HAS COME TO MY ATTENTION : I WAS NOT CURRENT ON A MORTGAGE PAYMENT DATED XX/XX/2020 AND MY FORBEARANCE STARTED ON XX/XX/2020 AND ENDED ON XX/XX/2020. BUT DOCUMENTS # 2 & 3 SAID I WAS, THIS TAKES ME FAR APART FROM GETTING THE HELP I NEED. AND THE SPACE IN THE ESCROW TAXES AND INSURANCE, THAT IS FOR PROPERTY TAXES AND WHAT KIND OF INSURANCE SHOULD I BE PAYING? MY PROPERTY TAXES IS WELL COVERED AM I PAYING PMI? IF I PAID $ 400 MONTHLY FOR A YEAR THE PROPERTY TAX PAID WILL BE {$4800.00}. WHERE IS THE OTHER {$250.00} GOING TO? THE VA LOAN IS 100 % GUARANTEED BY THE VA NO PMI IS REQUIRED. EVEN BY A BANK. I MADE A ONE-TIME PAYMENT AT CLOSING INTO THE VA FUNDING XXXX DOCUMENT # 1
Consumer complaint received 2022-08-23
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX 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 2022-08-23
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to request my credit report in different credit monitors such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all 3 give me an error since they indicate that my SSN is incorrect, I have called the offices to correct this error, but I continue without obtaining results, they told me that it had already been resolved, which is a lie because I still can not obtain a credit report, the error is theirs since my SSN is correct.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

This account is not mine. I never owned this account. I'm not responsible for this account. This is wrong and offensive to me! This account belongs to someone else.
Consumer complaint received 2022-08-23
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. (MD)

This account is not mine. I never owned this account. I'm not responsible for this account. This is wrong and offensive to me! This account belongs to someone else.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

We received an e-mail on XX/XX/XXXX from XXXX Credit Card servicing XXXX indicating that we had a payment due on XX/XX/XXXX. We check our bank account every day and no E-Bill from Comenity Bank was indicated. 

On XX/XX/XXXX, we received an email from Comenity indicating that our payment was past due. Shocked we checked the XXXX credit card and found we missed a payment. But we thought the payment was due on XXXX. We immediately made a payment on the first available date, XXXX XXXX through our bank account. 

We complained about the bank 's error and received a late free credit of {$29.00} on XX/XX/XXXX. On XX/XX/XXXX we asked Comenity customer service to credit our account for {$4.00} in interest charges. We were denied. We do not believe this is acceptable as this was a Comenity error to begin with was shown on the attached email.
Consumer complaint received 2022-03-30
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX has violated my rInights. And XXXX XXXX XXXX XXXX stated a late payment, when it was never later. I was going through a hardship and requested the payment be moved to the end of my loan and it was approved. 

15 U.S.C 1681 section 602 A. states that 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 instruction.
Consumer complaint received 2021-09-02
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. (AR)

My ex-husband has used my personal information multiple times to try and obtain credit. We went to court to make him stop. My name has not been XXXX XXXX since XXXX. He has been applying for credit using the name XXXX XXXX or XXXX XXXX. My name is XXXX XXXX. I can provide my social security card to show my name was changed back to XXXX in XXXX. I would like all of the hard inquires removed due to identity theft. I sent this information to all three credit bureaus and they have not removed the items after I sent in the proof and my driver 's license and social. Please assist in removing the following false inquires : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these nor was I aware of these attempts for credit. I was in the hospital ( I can provide proof ) XX/XX/XXXX through XX/XX/XXXX for XXXX.