davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
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 (TX)

CAPITALONE BANK HAVE NO WAY TO CONTACT THEM DURING COVID-19. CAPITAL ONE BANK HAVE NO EMAIL, NO CHAT, NO WEBSITE LINK, XXXX XXXX TO REQUEST HELP WITH ISSUES. THE ONLY OPTION CAPITAL ONE BANK GIVING TO ITS CUSTOMERS/POOR CONSUMERS IS TO CALL 800 NUMBER OR READ THEIR FAQ. READING THEIR FAQ ON WEBSITE CAN NOT REQUEST PAYMENT DEFERMENT ON PARTICULAR ACCOUNT. THEIR 800 NUMBER IS ALREADY JAMMED DURING COVID-19. THEIR FAQ ON WEBSITE IS USELESS BECAUSE THERE IS NO WAY TO CONTACT THEM AND REQUEST DEFER PAYMENTS ON ACCOUNT DURING PANDEMIC COVID-19. PLEASE HELP POOR CONSUMERS.ALL OTHER BANKS HAVE PROVIDED AUTOMATIC PAYMENT DEFERMENT OR VARIOUS ELECTRONIC METHODS TO CONTACT THEIR CUSTOMER SERVICES DURING COVID-19. BUT CAPITAL ONE HAVE DONE NOTHING EXCEPT SAME 800 NUMBER WHICH IS ALREADY JAMMED WITH CALLS.
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (ME)

I am trying to get TIAA Bank to Discharge my Mortgage. They initiated a lawsuit lost in court, the decision was handed down on XX/XX/XXXX. " Judgement for the Defendant. '' Please see Decision XXXX XXXX : XXXX XXXX XXXX v. XXXX XXXX XXXX for the courts decision regarding the discharge of a mortgage after a suit. Maine law is clear on this matter. 

The homeowner is entitled to a discharge of the mortgage if judgement is entered in his or her favor. TIAA failed to win failed to prove their case against me, the case had no merit in the first place yet they have held onto my deed. I demand that they release it or I will be forced to take action. I will ramp up my complaints against them and use every means possible to do so. The internet, radio, the newspapers and even the local television stations. 

Will these big banks ever smarten up? Stop trying to push people around.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To whom it may concern, I have already filed a Police Report I had some fraud on my report someone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent accounts at once : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX never had this account or done any business with these companies.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CO)

This card is used for health care expenses and can be used at XXXX as well, never received any notice of when my payment was due. Starting in XX/XX/XXXX I got a notice that my payment was late on XX/XX/XXXX. So I made the payment, but had no exact billing date to go by when my payments were due. 
My bill is {$68.00} a month according to the company, from that point on I would check the website to see if I could find a due date for my payments, nothing showing an exact due date. I also went into the website and added a bank account to use to make the payments, next time I got notice my payment was late, I went to the site and bank account info was no longer in there. I have added 2 different bank accounts to the site, I have sent them multiple payments to keep the bill up to date. On the website it shows that 3 of the payments I have given them have all been rejected by according to the company by my banks. I have never had any payments rejected by my banks, and if you look at my bank statements this company has never even sent a payment request to my banks. I get a notice on my bank accounts when someone tries to take a payment, it will show as pending, then paid or returned by my banks. In no way shape or form has this company ever showed up as either one of them in my bank accounts. Now I have hits on my credit report saying I have late payments with them and am behind, which has lowered my score drastically from above 600 down to the low 500 's. I don't believe how they are doing business is fair to consumers and would never recommend them to anyone, I would rather tell people to never do business with them. To me Synchrony bank/care credit is a rip off and does nothing to help consumers in the long run. I have all the documents from my bank and their website to show what has been going on, I also have all the emails I have received from them over the past 4  months, which total 4 emails.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (WA)

For tax year XXXX, I made an excess contribution of {$320.00} to my Health Savings Account at XXXX XXXX, managed through XXXX, and deposited through my employer 's payroll system. 

This excess contribution of {$320.00} has accrued {$0.00} of interest. Per IRS guidelines, I have until XX/XX/XXXX to withdraw an amount of {$320.00}. 

I noticed this error in XX/XX/XXXX. On XX/XX/XXXX, I provided an " Excess Contribution Removal Form '' to XXXX XXXX via email. This was acknowledged and submitted for processing. See attachment email_XXXX.PNG. 

I received no response from XXXX XXXX. I contacted them at least 3 times afterwards, and they were unable to provide me a status. 

On XX/XX/XXXX, I re-submitted my " Excess Contribution Removal Form '' ( see attachment form.PNG ). I contacted XXXX XXXX on XX/XX/XXXX, and was told that my account balance is insufficient to withdraw {$320.00}. However, my online account ( see account.PNG ) shows an available balance of {$320.00} with no pending transactions or holds. The representative I spoke with confirmed that the form I submitted was correct and that my account has sufficient funds, but my excess contribution removal was refused processing regardless.
Consumer complaint received 2020-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

My federal loan servicer is Great Lakes. XX/XX/XXXX they posted an auto draft payment in the amount of {$460.00}. That date is part of the time allotted for administrative forbearance by the CARES act. According to XXXX XXXX Aid I may request this amount returned to me. Great Lakes also sent an email explaining they would not process auto payments during the forbearance. 

I began contacting Great Lakes XX/XX/XXXX. It took them 10 days to respond - they ask borrowers allow 1-2 business days. In their response they explained my refund was being processed and asked I allow 7 days to receive. XX/XX/XXXX, 9 days later, I had no refund and so I used their online complaint form to get the matter resolved. Their new response came the same day. This time they did not mention a refund and said someone may contact me within 7 business days.
Consumer complaint received 2019-05-16
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. (LA)

I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2019.  Please investigate to ensure there is no fraudulent activity.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I send in a dispute request for all 3 credit bureaus (XXXX XXXX XXXX XXXX) to update the KOHLS/CAPONE balance to XXXX or remove the account as the CAPONE sent me a 1099-C to pay taxes on the debt that was owed/ KOHLS/CAPONE verified the balance that issued in my 1099-C form on XX/XX/XXXX when the issued a cancellation of debt let to me back XX/XX/XXXX.
Consumer complaint received 2019-05-16
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. (LA)

I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2019. Please investigate to ensure there is no fraudulent activity.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

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
Consumer complaint received 2020-04-23
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: JPMORGAN CHASE & CO. (NY)

REFERENCE XXXX In XX/XX/2020 I've placed an order on Amazon website from a third-party seller XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXXXXXX fro the amount of {$3800.00} and used my XXXX XXXX to pay for this amount. 
The package was delivered to my address in XXXX XXXX, NY, however the condition of the item wasn't as described - unit wasn't powering on and I couldn't receive any customer support from the seller, therefore I've requested a return due to the item arrived wasn't in the condition as described. 
Seller provided me with the return information and the item was successfully returned via XXXX XXXX XXXX XXXX XXXX as of XX/XX/2020 and I've received an email from Amazon with statement 'Once XXXX XXXX XXXX   receives the item below, we'll issue a refund to your original payment method '. 
I have reviewed the response altogether with a documents provided by the opposing side and vocalize my intention to continue this dispute. In order to prove that Ive returned exactly what was purchased, during the packaging Ive recorded a video of physically placing an item into the box, showing all pieces packed altogether with a shipping label close up. 
Originally this video was recorded due to insurance concerns merchant refused to provide the return shipping label, so I had to purchase one. Due to the high value amount if this item, I had to insure this package. During that time, XXXX advised me, that in case the package gets damaged, best way to get a reimbursements is to have a proof of solid inner packaging. In cases like mine, where the item was very costly, video would be a great type of a supporting document. 

Video had been recorded on XX/XX/2020 and available via link XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sorry for the inconvenience of having to watch that long. Ive enclosed the the timecode, which also could be found in a description box below. Ill copy them here for your convenience as well. 

DISPUTE CASE XXXX XXXX CLAIM ASSOCIATED WITH A TRACKING XXXX RECORDED ON XX/XX/2020 TIMECODES : 0:18 - Showing was was packed 0:26 - Condition of the item 1:54 - Sealing the decorative box 2:16 - Sealing the retail box ( serials enclosed ) 3:56 -  Final check of what's inside the box 4:04 - Inner packaging 4:58 - Sealing the shipping box 5:12 - Showing the return XXXX shipping label with matching merchant credentials 5:27 - Outer packaging final check up Among the documents provided by the opposing side, I havent found any photo or video proof of their words. Therefore I found their position nothing but a blasphemy and hearsay, with all due respect. 


Kind regards. 
XXXX XXXX XX/XX/2020
Consumer complaint received 2020-04-23
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX XXXX   XXXX {$780.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$120000.00} XXXX XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-04-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-04-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings (NV)

On XX/XX/XXXX, for the second time since XXXX I was refused a loan. The reason given was that in XXXX I had repaid loan but I paid late. When I asked what I could do, given a third effort, to correct the issue as they see it, I was told just " apply again.. .it might be different ''. During that phone conversation, I told them " I paid the loan ( 13 years ago ) why is my loan application being rejected twice now? They responded that " I paid late ''. I went on to ask how can I correct the problem, they responded apply again ( above ). 

I was told, and did call XXXX XXXX. 

I would like to be able to use Rapid Cash when, like now, having been laid off as a teacher during the Corona virus, there is an " emergency '' cash need. They are polite and efficient.
Consumer complaint received 2019-05-16
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. (MI)

My TransUnion credit report shows two inquiries that shouldn't be on it. On two different occasions, I disputed those inquiries for their inaccuracies. I submitted letters written from the companies that ran the inquiry.

One company stated that they had NO documentation, no proof of permissible purpose for my credit being run on XX/XX/2018. That inquiry was : TransUnion Rental ScreeningXXXX XXXX. TransUnion has failed to remove that inquiry. The inquiry remains on my credit report. It is inaccurate and unverified and it needs to be deleted. I have attached the mentioned letter for proof. 

The second company, XXXX XXXX, submitted a request to TransUnion to change an inquiry that they made on XX/XX/2018 from a hard inquiry to a soft inquiry. The inquiry remains on my credit report as a " Hard '' inquiry. TransUnion has ignored the request from XXXX XXXX to change it to a " Soft '' inquiry. This inquiry was reported wrong and needs to be updated as stated or deleted. I have attached a letter that XXXX XXXX wrote to me informing me of their request to TransUnion for proof.
Consumer complaint received 2019-08-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian is reporting incorrectly ( 120 ) days late on XXXX CARD partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account was opened fraudulently and does not belong to me. I have attached correspondence from XXXX XXXX   dated XX/XX/2019 and XX/XX/2019 regarding this account and confirmation that this account was in fact opened fraudulently. This account has since been closed. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2019-08-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX # XXXX This vehicle was repossessed by XXXX XXXX and resold on or about XX/XX/2015. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle.
Consumer complaint received 2019-08-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (IN)

MY WIFE AND I APPLIED THROUGH DHI FOR A MORTGAGE FOR A NEW HOME ALREADY BEING BUILT WITH AN ANTICIAPTION COMPLETION DATE OF THE XX/XX/XXXX. AFTER SEVERAL ISSUES WITH COMMUNICATION WITH DHI, WE HAD COME UP WITH AN AGGREEMENT IN ORDER TO GET QUALIFIED FOR THE LOAN. ALL DOCUMENTATION WAS SUBMITTED TO THE MORTGAGE OFFICER AND THE LOAN WAS SUBMITED ON XX/XX/XXXX @ XXXX XX/XX/XXXX. THE TERMS WERE DISCUSSEDWE WOULD ONLY NEED {$11000.00} ( AMOUNT ENDED UP BEING CLOSER TO XXXX ) ON CLOSING DATE. WE DID NOT HAVE THE MONEY AT THE TIME OF SUBMISSION AND IT WAS DISCUSSED THAT WE WOULD HAVE ASSISTANCE FROM MY GRANDMOTHER AND OVERTIME AT WORK. ON XX/XX/XXXX MY GRANDMOTHER INFORMED ME THAT SHE COULD NO LONGER ASSIST WITH THE ADDITIONAL MONEY DUE TO HEALTH PROBLEMS. OVERTIME WAS ALSO CUT. THE INCOME USED WAS ALOS FORM AN ANTICIAPTED START OF A NEW JOB THAT DID NOT FOLOOW THROUGH AND MY STATUS AT MY PRIOR FUUL TIME JOB HAD BEEN SUBMITTED TO BEGIN AS PART TIME AND WAS UNABLE TO RETRACT THAT STATUS. ATTEMPTS TO CONTACT THE MORTGAGE OFFICER WERE MADE WITH NO RESONSE BETWEEN THAT FRIDAY AND SATURDAY TO INFORM HIM OF THE CHANGES. ON MONDAY XX/XX/XXXX, MORE CONTACT WAS ATTEMPTED. AN EMAIL IS FINALLY RECEIVED THAT APPARENTLY MY LOAN OFFICER IS OUT OF THE OFFICE SINCE FRIDAY EVENING. CONTACT THE MANAGER AND THE LOAN OFFICER CONTACTED ME FROM HIS PERSONAL PHONE AND I NOTIFIED HIM OF THE SITUATION AND HE SAID HE WOULD HAVE A SOLUTION OR RESONSE WHEN HE RETURNED TO THE OFFICE ON THURSDAY XX/XX/XXXX. NO WORD FROM THE OFFICE UNTIL XX/XX/XXXX AND IT WAS PRESENTED AS I HAD NEVER INFORMED HIM OF THE SITUATION AND HE STATED THAT I HAVE TO MAKE THE DECISION TO NOT MOVE FORWARD WITH THE LOAN AS THE INFORMATION HE HAS SAYS I QUALIFY EVEN THOUGH DOCUMENTATION HAS BEEN SUBMITED OF THE CHANGES THAT NOW DISQUALIFY ME FROM THE LOAN. HE CONTINUALLY REFUSES TO ADVISE IF HE HAS SUBMITTED THE CHANGES. THE LOAN IS STILL IN PROCESSING AS OF XX/XX/XXXX AND NO COMMUNICATION FROM ANY PARTIES IS BEING GIVEN TO MYSELF OR MY WIFE ON THE STATUS. THEY ARE ATTEMPTING TO FORCE ME INTO A LOAN THAT I DO NOT QUALIFY FOR AND CAN NOT AFFORD TO GET IN TO DUE TO LESS MONEY AVAILABLE TO CLOSE.