davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I processed a balance transfer from my XXXX credit card to pay off my XXXX XXXX XXXX  credit card. I was charged the funds to my XXXX account but was not credited to my XXXX  XXXX card. I contacted XXXX and verified that the information for the balance transfer was input correctly on their end and with the processor ( XXXX  ) after some research, it appears that both XXXX XXXX XXXX  and Capital One have XXXX XXXX es that start with the number XXXX and they are both in the XXXX XXXX XXXX, CA. When I requested a copy of the cashed balance transfer check from XXXX, it showed it was cashed by Capital One. It showed received on XX/XX/2023 and posted XX/XX/2023. I was told that there have been reports from other XXXX members stating that Capital One is receiving and cashing balance transfer checks for other members who do not have accounts with them, rather than returning the funds. I am now left paying at both institutions instead of saving money with the 0 % balance transfer promotion that I was trying to use. As a result of this, I was also charged a {$29.00} late fee from XXXX XXXX XXXX  because the payment didnt get there when it was supposed to. I am beyond frustrated and need the situation sorted and interest reimbursed.
Consumer complaint received 2023-04-25
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-25
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. (GA)

I have hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that needs to be removed immediately from my credit report
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 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.

I have sent several certified letters to these companies, XXXX XXXX # XXXX, XXXX, XXXX, and Equifax. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.
Consumer complaint received 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

We were approved for the Florida Homeowner 's Assistance Fund program. The program is paying for our mortgage payments between XX/XX/XXXX- XX/XX/XXXX. I can see in the online portal that the XXXX payment has been received, but it is sitting in unapplied funds and not applied to our loan. We are receiving letters stating that we are two months behind on our mortgage, even though the funds are just sitting there. Whenever I call, I am told that the problem will be corrected and our account will be brought to good-standing, but it has not been resolved after multiple attempts. Now our escrow account is a mess because XXXX XXXX is doing an escrow advance to cover our PMI payments, since the escrow funds from our mortgage payment are just sitting there and not being sent to the escrow account. Please help us fix this error. 

Also, as of today XX/XX/XXXX, XXXX XXXX is stating that they have not received the XXXX payment from the Homeowners Assistance Fund. HAF confirms that they mailed the payment on the XXXX, as they always do.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I found two requests for a credit report from two different companies on my account. One which I don't recognize, and one from a bank I haven't used in over a decade.
Consumer complaint received 2023-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (GA)

I opened a secured loan with onemain financial and its been nothing but a nightmare interest rates is unbearable and its ruining my credit I called and asked for a reduction they placed a charge off against my credit and its cause my score to suffer
Consumer complaint received 2023-04-25
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. (CA)

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022 Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights because my collections are increasing.
Consumer complaint received 2023-04-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-25
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. (FL)

XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I received a copy of my credit report and found the following inaccurate items which are reporting in error : [ account_name, account_number, dispute_instruction ] Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter. 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a a ccount without my written instructions. 

Remove These Accounts : XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX REMOVE THESE INQUIRIES : 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 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 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 Send back an updated copy of my credit report to the above address. I also request that you send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-25
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: Klarna AB (MI)

I ordered a XXXX  coat online on XX/XX/XXXX paid for it with Klarna at checkout totaling XXXX XXXX reference # XXXX store order reference # XXXX. I made two payments the first one was XXXX on XX/XX/XXXX and the second and final payment was XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a email claiming my order from XXXX  was delivered. I got home Sunday morning which was XX/XX/XXXX and looked for my package nothing was on my porch or the mailbox or on the side of my house by the garage. I called XXXX on XX/XX/XXXX and reported that I dont have my package the lady on the phone put in a ticket to investigate my claim and said once it leave their warehouse they are not responsible. I also reported this to klarna XX/XX/XXXX. Klarna contacted XXXX about my claim that I didnt receive my package. Meanwhile I contacted the post office that supposedly delivered my package. The lady at the post office show me a map of where my package was delivered. I told her that was not my house. They delivered my package to someone else house. The post office told me they were going to go and get the package back from the house they delivered my package to. I went home and went back to the post office the next day. They claim no one answered the door. Then the lady tells me they are not responsible for misdelivered packages. So I guess Im supposed to just take a loss for something I paid for. XXXX finished their investigation claiming my package was delivered and told Klarna my package was delivered. After going back and forth with Klarna and XXXX on XX/XX/XXXX I had no choice but to dispute with my bank cause I never received my package and no one wants to take responsibility for my package being misdelivered. My bank did an investigation and refunded me my money. Now Klarna is trying to rebill me for something I never received and have added late charges. I have paid everything I owe klarna. I have told them I never received my order just because the post office marked my package as delivered doesnt mean it went to the correct house. I will not pay for something I never received.
Consumer complaint received 2023-04-25
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. (TX)

Misleading false reporting, this account is negligently and inaccurately reporting failing to comply to USC 1681. Being that XXXX and XXXX have deleted this account from my consumer report you must do the same as well. I have included proof from XXXX that this account has been deleted with them. Please delete this account from my consumer report immediately!
Consumer complaint received 2023-04-25
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: SANTANDER HOLDINGS USA, INC. (PA)

After several attempts to reason with a bank that is unreasonable, and certainly capricious in its operational practices, I insist upon explanation as to the conduct of Santander Bank with regards to both the XXXX and HELOC, the validation of both accounts, and the errors that Santander Bank has made and failed to rectify since XXXX, XXXX with regards to all accounts between myself and Santander Bank.

It has been documented, supported and admitted that " Santander dropped the ball '' in the Autumn of XXXX ; however, in the process of my attempts to rectify and relieve myself from Santander Bank, I have been met with the greatest level of discourtesy, and certainly ( XXXX )/ ' business practices, that lead me to full and complete distrust of Santander Bank . IN the present, this is most evident in the rejection of payment in a letter from Santander bank dated XX/XX/XXXX with a return of funds equal to {$500.00}, and the refusal to place policy into writing regarding the payoff and expectations of performance by Santander Bank to me in advance of full payment. It is no wonder why Santander Bank has such a poor reputation ; however, to have found such letters of inteniion from Santander Bank online lends supportive evidence to distrust. Furthermore, a healthy suit to the tune of {$10.00} XXXX dollars due to Santander 's mismanagement of fraudulent behavior regarding XXXX is a fact that is inescapable. 
I particularly draw my attention to the poor behavior and indifference as received from XXXX XXXX, XXXX XXXX, and XXXX XXXX of the Santander Collections Department. 
Furthermore, the fact that a confirmation # XXXX on XX/XX/XXXX has never been responded to by Santander Bank. " Respect '' is the last word that should ever be associated with this bank, so much so that the XXXX XXXX XXXX PA Attorney General could not resolve the matter ( XXXX ). 

Additionally, as I understand it, the fact that Santander remains placing this " charge off '' on the record after this considerably lengthy time period is likely in violation of certain provisions of the consumer protection law.
Consumer complaint received 2023-04-25
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: PRESTIGE FINANCIAL SERVICES INC (MD)

The Credit Bureaus are stating that Prestige financial has undergone an investigation into my credit report and everything has been accurate, I would like to know how is that possible when it was inaccurate with the open dates, the reporting dates, the payment history and more was all inaccurate back on XXXX when I started my initial investigation. I also submitted a XXXX reinvestigation and was still not sent all validating information. This ground for removal and they have also violated by rights under the 15 U.S.C 1681 Section 602A. I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

Prestige Financial has also taken over 90 days to complete my 1st investigation along with my second attempt XXXX. They have still not sent all information that has been requested. 

They have continued to respond stating that they " verified the information ''. Being that Prestige received my dispute back in 2020 via Mail and Online they were well aware of my dispute and decided to disregard my dispute AND ignore all my request for validation. I have continued requesting full documentation in connection with this alleged debt, Validation, and documentation. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. This account needs to be removed from my credit report immediately being that it is inaccurate and violates laws.
Consumer complaint received 2023-04-25
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)

In accordance with the fair credit reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2023-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Silverman Theologou, LLP (FL)

In XX/XX/2023, I was contacted by Silverman Theologou , LLP by phone that XXXX XXXX XXXX XXXX retained them to sue me for a credit care debt. They claimed they were going to file a lawsuit against me if I did not work out a payment plan with them. I was told to make a payment of {$900.00} by XX/XX/XXXX and payments of ) {$180.00} for 72 months until my debt was paid. I explained to them I had no income but I would try. I was told I would receive documents to my email to sign the payment agreement. I never received anything. I could not make the payment in time and Silverman Theologou , LLP tried to charge my card 72 times and cost me more fees for declining. I contacted Silverman Theologou , LLP and told them I did not have the money. When my taxes came in XXXX I contacted Silverman Theologou , LLP and made a payment of {$500.00} because that was all I could afford, I was told payments would stay the same and that my receipt would be sent to my email as well as the new payment agreement. I never received either. Silverman Theologou , LLP Repeatedly calls me several times a week and has yet to provide me any documentation. I contacted the original debt and they confirmed that Silverman Theologou , LLP was their attorneys but did not provide me any information either.
Consumer complaint received 2023-04-25
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. (FL)

In accordance with the Fair Credit Reporting Act the Credit Bureaus have violated my rights. Bankruptcy courts do not report nor release information about Bankruptcies to credit bureaus, third parties or consumer reporting agencies which means my rights have been violated under law. My bankruptcy has been dismissed and the credit bureaus continue to report it after requesting many times the removal of this bankruptcy from my credit reports. They have failed to comply with my requests and continue to report. This vicious illegal act is ruining my life, my health, my finances, job opportunities and my family 's well-being. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15. U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2018-09-24
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: CITIBANK, N.A. (CO)

We paid for a concrete pour service from XXXX XXXX on XX/XX/18 ( which would not take place until XX/XX/18 ). On XX/XX/18, we canceled the service ( there was no cancellation clause in the contract, and it was timely cancellation since it would not have taken place until XX/XX/18 ). Then we didn't hear back from XXXX XXXX despite many calls and emails. 

Our credit card company XXXX XXXX PREFERRED credited this charge at first but then reversed it - asking us to support with other information which we did throughout these past 2 months. They have since closed the case despite these circumstances : 1 ) We never got the service we were charged for. ( another concrete vendor wrote a letter to XXXX in our defense saying the work was never done ) 2 ) We tried to cancel timely. ( see contract - no cancellation clause ) 3 ) XXXX XXXX is a fraudulent company ( see the recent XXXX complaints, XXXX station in XXXX will also do a story on them about them ripping people 's money ) 4 ) We have provided everything possible that they have requested. 

Citibanks investigation did not even ask for the cancelation clause, even though that is why they initially ruled in the merchants favor. If they had done a proper investigation none of this would have happened. Citibank employees have told me numerous times to submit documentation, the claim was open all to be told later by a senior supervisor XXXX XXXX XXXX that none of that is true and after XX/XX/XXXX deadline nothing else mattered. They are very incompetent and had they discussed how the dispute should have been filed ( cancellation vs no services received ) we also would not be in this situation. Citibank blamed the rules on Mastercard/Visa rules about timelines, but they were the ones that caused this because they did not properly investigate. I am happy to provide more explanation because this should be a very logical dispute that should have ruled in our favor. 

Somehow the merchant and the merchants bank stated services were done, obviously not true and why would Citibank just accept that was true??