davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

TO WHOM IT MAY CONCERN My name is XXXX XXXX. I am an entrepreneur the CEO of XXXX XXXX and currently a marketplace seller with Walmart. 

I hope this message finds you well. I am writing to formally express my frustration and concern regarding the recent closure of my personal accounts ( Checking ending is XXXX and savings account ) with Capital One and the withholding of my funds, nearly the {$25000.00} currently in limbo. 

I was shocked to discover that my accounts had been closed without prior notification or explanation. I have been a loyal customer, and I expect transparency and communication regarding any actions taken on my accounts. The inability to access my funds has placed me in a challenging financial situation, and I urgently need these resources released. 

I use my checking account ending in XXXX to receive my business income from Walmart which enters through XXXX for the past 6 months without any issue. Recently I applied for business cash advance to purchase inventory from " XXXX XXXX '' in the amount of {$11000.00} and received it on XX/XX/year>. I then placed an order and used my savings account to send Wire to XXXX where I always purchase inventory from my suppliers and CAPITAL ONE flagged my account and closed all my Checking and Savings account without prior communication. This has caused me serious inventory shortage and my Walmart seller performance went down which will result in suspension of my WALMART seller account. 

These funds are my income and I can not pay my rent and bills which will result me from being evicted by my landlord. Also warehouse rents are also due which will result in eviction in the next 15 days. 

I am attaching the following documents : 1. Proof of business ownership XXXX Articles of organization - XXXX XXXX 2. Walmart XXXX XXXX account screenshots to show I, XXXX XXXX is the owner of Walmart seller account. 
3. Proof of all the funds income from Walmart that was deposited in XXXX. 
4. XXXX Statement showing all of my income that was transferred to my checking account ending in XXXX 5. Prood of contract from XXXX XXXX showing the cash advance received from cash advance. 
6. Proof of Identity - Driver License 7. Proof of business address- Lease contract 8. Proof of Supplier invoice which was used to make payment through Wire transfer.
Consumer complaint received 2020-04-19
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. (TX)

I am a victim of fraud and Identity theft. I filed a dispute with Transunion and the dispute was verified as accurate. I sent a method of verification letter to Transunion via certified mail which was received on XX/XX/2020 my tracking number is XXXX. It is now pass the 15 day period that they have to respond according to FCRA 611, and Transunion has failed to provide me with a method of verification letter. meanwhile this fraudulent information is still appearing on my credit report. Transunion needs to remove these inaccuracies asap as it is already damaging, since they failed to meet the required deadlines they are NOT in compliance with the FCRA!! I will excise my right to sue Transunion under FRCA section 616. This isn't right!
Consumer complaint received 2020-04-19
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. (MD)

I have disputed information on several occasions with the three major credit bureaus. One minute they delete the information the next minute they are reinserted back on my credit file, and displaying wrong information. Below are the items that I have disputed before and have been deleted and " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are also several inquiries on each of my reports stating I gave permission for my credit to be ran for a new car in XXXX XX/XX/XXXX. I walked into XXXX XXXX  with a letter from my Credit Union with how much they would finance. I never gave permission for them to run my credit through anyone else my vehicle was already done. Each of them state " The inquiry was of Factual Record, whose record? the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1. XXXX This is a fraudulent account 2, XXXX XXXX XXXX. This account was deleted, it also had a message saying that this account was due to Natural Disaster or Emergency, deleted from all three bureaus, in XXXX and XXXX only to be reinserted. They refused to go back and disputed again ( All three bureaus state they will not dispute again. 

3. XXXX XXXX Was deleted and reinserted due to unverifiable information and fraud. The Credit Bureau ( Experian and XXXX  ) Refused to re dispute stating it was frivolous but deleted from XXXX. 
4. XXXX XXXX This account information is incorrect it was opened XX/XX/XXXX, and was deleted because of fraud. 
5. XXXX XXXX. This account was deleted in XXXX when I had a lawyer go after them, only to be reinserted. Experian won't re dispute they have not come back on XXXX or XXXX 
6. XXXX XXXX XXXX. The account information is incorrect, name, when account was opened, balance etc. It was deleted from XXXX, but XXXX  and experian keep reinserting. 
7. Bankruptcy filed in XXXX was fraudulent. The bureaus ' state they got their information from XXXX XXXX and I have a report from them stating they have no information regarding a bankruptcy on me. 
8. XXXX XXXX XXXX never late As stated above, these actions take by these credit bureaus are in direct violation of my rights and I demand that they be removed or I will seek legal action against each company individually for violating my rights as a consumer.
Consumer complaint received 2020-04-19
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Consumer complaint received 2020-04-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

My roof was damaged in a storm on XXXX XXXX XXXX. My insurance XXXX sent me a check to have it fixed. I sent it to my mortgage company which was XXXX XXXX XXXX, certified mail only to find out I was no longer with XXXX and that Shellpoint Mortgage was now serving my loan. I have been in bankruptcy for the past 2 years and was never notified this change that took place. Which in fact is the mortgage companies responsibility to let the insurance company know of the change. I had my roof repaired on XX/XX/XXXX and sent the check out certified to XXXX XXXX where XXXX XXXX  was located not yet aware of the change The check was than forwarded 2 times in XXXX AZ, 2 more times in XXXX XXXX XXXX and then 1 more time to Ohio where Shellpoint is located. After all of that they could not endorse the check due to their name not being on it and sent it back to me with the wrong return address on it and it ended at a lawyers office in XXXX and they in turn forwarded it to me. This took about 2 plus weeks. 
How could my NEW mortgage company not know my address. I recently sent the re-issued check and I need it signed immediately so I can pay the contractor that fixed my roof. This has been 6 weeks this man has been waiting to be paid. Everyone is experiencing difficulties at this time and he sure could use this money I owe him. Shellpoint is pathetic and I would like some help if possible. I have contacted the XXXX and I have read complaints regarding similar things that other people have experienced with them also. Thank you for your time.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (LA)

My prepaid card has not been activated and can not be used. Ive not gotten any assistance in getting this done. The Netspen VISA Card company doesnt answer the calls. And the XXXX XXXXustomers service representative hang up on you while explaining the problem youre having with the card. This has been  going on since XX/XX/2020.
Consumer complaint received 2020-04-19
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: CURO Intermediate Holdings (NV)

On XX/XX/2020, Curo XXXX XXXX managed to place 2 hard inquires on my XXXX credit report. I do not know of Curo XXXX, nor have I ever contacted them for any kind of loan. Contact information for this supposed company is not made available on XXXX XXXX or the internet.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a certified letter to Experian, on XX/XX/20 requesting they investigate a fraudulent account reported to my credit report. I also included the certified letter I sent on XX/XX/20 to the company XXXX XXXX XXXX that is reporting the fraudulent account to my credit report requesting documentation proving this account was opened by me. XXXX XXXX XXXX  did not contact me or allow me 30 days to dispute the account prior to submitting the fraudulent account to each credit bureau. They provided no documentation. I further documented in my letter to Experian, I had no joint accounts and did not have any inquiries on my credit reports further proving this account did not belong to me. Experian provided no information or documentation as to how XXXX XXXX XXXX  determined the fraudulent account belonged to me.
Consumer complaint received 2020-04-19
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. (TX)

On XX/XX/2019 I submitted an " opt-out request '' request from XXXX not to share my public information. I am challenging the validity of the legal process in which this information was shared. I am asking the Experian credit Bureau to remove this item from my credit report due to the improper process used to post this public information.
Consumer complaint received 2020-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (SC)

I noticed that Jefferson Capital LLC aappeared on all three credit reports in early XXXX. The amount listed is {$1900.00} and the original creditor listed is XXXX XXXX. The date Jefferson Capital opened this was XX/XX/2019. I never received one notice or one phone call from this company and they never once allowed me to verify the debt or offered to verify the debt. I called them after I saw this on my report in XXXX and they were very rude and eventually I was transferred and hung up on. Late XXXX, I received a letter for payment in the mail from this company, but there was no verification or an offer to request a verification/dispute. The wording of the letter was threatening and not clear at all. It was worded in a way to confuse you or trip you up. It threatened a lawsuit even after it said the time limit had expired for that. It offered payment options, but then said payment would restart a lawsuit. I feel as though this company practices unfair and deceptive collection practices. I had zero collection accounts on my credit until this account was underhandedly added. I do not agree I owe this and I feel like my rights under the FDCPA have been violated in a few ways. First, I was never given a verification. Second, I was never given an opportunity to dispute this account. Third, threatening with a lawsuit is not legal when you have no justification to carry that out. I have also filed complaints with XXXX  and if I can't get Jefferson Capital to delete their presence off my credit report completely and cease collection activity, I will consult with a consumer attorney.
Consumer complaint received 2020-04-20
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. (CA)

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX  2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. It's really affecting my credit score and my ability to get further credit.
Consumer complaint received 2020-04-19
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)

On XX/XX/2019, XX/XX/2019 and XX/XX/2019, I sent certified letters to Experian ( copies with proof of delivery attached ) requesting the removal of XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX, which are debt collectors, not creditors. I have never received any credit from XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX. To date, Experian continues to report these accounts without conducting a reasonable investigation and providing proof of the debt to me. I requested proof of the debt from Experian according to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I have not received validation of any of these accounts. I don't know how Experian can continue to report a collection trade line without evidence of the debt. Experian 's actions are hindering me from obtaining a mortgage to purchase a home
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (LA)

I received a letter from my current mortgage company that I had been sold to Loan Care. 
This was effective XX/XX/XXXX. I contacted loan care on XX/XX/XXXX for an account number as I have not received anything from them in the US Mail. I was told theses things take time they had received a LARGE batch of these on XX/XX/XXXX and call back in a week or so. 
Today I called there is a 3 minute message that tells how to ask for forbearance what that means blah blah blah. Finally at the end after offering me the opportunity to apply for forbearance repeatedly it transferred me to the main menu. It asked for the last 4 of my social security number cause it recognized me. I entered that and then more automated prompts. None of which lead to customer support. One was for " insurance claims '' I press zero it says not an option. I press zero again it hangs up on me. I call back going thru the forbearance 3.5 minute speech AGAIN!. This time I press 4 for insurance. Then listen to several other prompts to finally get to a HUMAN BEING. 
After identifying myself to her I finally get my account number and am able to set up online access. I do so then I go to set up reoccurring payments and a message pops up that says " Auto draft enrollment will become available once past due payment amounts have been paid '' For REAL! See attached!!! 
Now legally I am NOT passed due I am not subject to a late fee and it is XX/XX/XXXX. If LoanCare were already my servicer then on Thursday XX/XX/XXXX I would be late and would have a late fee. However Federal Law is crystal clear on service transferring and no late fees may collected and not late reporting may be done during the process. And to TOP IT ALL OFF loan care did not provide a current mortgage statement for XX/XX/XXXX. They did not have their JOB DONE AND MY LOAN ON THE BOOKS WHEN THEY WERE REQUIRED TO DO SO. 
In closing theXX/XX/XXXX0 payment was made this morning as soon as I had access to the loan.
Consumer complaint received 2020-04-19
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: Experian Information Solutions Inc. (AZ)

This is a last resort to get the issues with my credit finally resolved. It has been well over 60 days with absolutely no response from the credit bureau which is showing complete disregard for the laws governed under the FCRA. Please help
Consumer complaint received 2020-04-19
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. (AK)

As if today XX/XX/20 I discovered my credit score had been deducted by 37 points due to the incorrect reporting of this company on my credit report. Not only did they mark my payments as late they also said I was delinquent when I made a payment. For the past 4 years I have been unable to make an online payment which is an inconvenience as being a service member I was in a area that did not have access to pay this card I called customer service and they were not able to assist me they said sorry and hung up.i am in a remote area with only one small XXXX  and its not close to where I am stationed. As service members we deserve the fair treatment if i could have been afforded the opportunity to pay online I could have avoided this and this negative impact to my credit. Now I will not be able to obtain any other opportunities of credit. I was in the middle of holidays and XXXX in a area with family that had no access to a military installation and then a negative report was placed on my credit because I didnt have access to pay the bill. During this pandemic I am a XXXX XXXX and have been unable to make it to the store to pay again online payment would help me tremendously right now.
Consumer complaint received 2020-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2020 I received a check from my lawyer as part of a refinance of my mortgage in the amount of {$14000.00} to pay off my loan Acct : XXXX. I went to the local branch to submit the check. I was informed I could not submit the check to Citizens bank because XXXX was handling the loan. I then sent the check via Post overnight. XXXX received the check on XX/XX/2020 at XXXX XXXX. I contacted XXXX on XX/XX/XXXX to verify the check posted and since the check was in an amount greater than the loan pay-off to request the difference be refunded. I was told verbally and in an email, today XXXX XX/XX/2020 ] that the loan will " officially be paid off on XX/XX/2020. Further, the overpayment of {$960.00} will be mailed in 2 to 4 weeks. This is totally unacceptable. Plus at the time of making the loan with Citizens we were not informed of it being in XXXX ' control nor were we told of this holding of the overpayment.
Consumer complaint received 2020-04-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I spoke with Bank of America 's representative XXXX XXXX about financial hardship my family has been experiencing. I explained that I lost my job and my husband lost half of his income since Covid-19 started and I needed help not to get behind. She told me the only thing they can do is to put me on the plan that will lower my monthly payment by a slight amount and I will still be responsible for all late payments and fees without any lowering my super high interest rate. I explained to her that it will only make the situation worse and incrrase the debt when I wont be able to make a minimum payment. Ms. XXXX repeated that she cant do anything else and when I asked her to speak with her manager she said she is the only one I could speak with.
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have a decade worth of fraud on my checking and saving accounts. I have proof that my devices were all hacked ( mobile device management ) but I am not understanding why NC SECU didn't catch the fact that my account was spending money in 2 cities, 2 countries, 2 states at the same time for the last decade. Also, no one was checking ID 's because there were large withdrawals at branches that were not, and could not be me. 

This created a substantial loss of funds due to the fact my " hackers '' ( ex-friends ) were laundering student loan money not only for me, but for others.