davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MA)

American Express serve has suspended my account onXXXX and denied me access to my account I asked if they could just send me my funds and close the account and was denied as well I was never notified of this but I need my money out of my account and just want to be done with this company I feel they are conducting fraud not just to me Ive seen most people like me that have gotten direct deposit from unemployment have gotten there account suspended and even deleted my online account. I have no access to my money and they will not help me at all
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a WalMart store card for sometime. Paid never late when the card was issued by XXXX XXXX. Capital One then took over the WalMart card. When Capital One set up the new account I made a payment by calling in. I was told my debit card was set up on auto pay and I authorized the monthly minimum payment to be taken from my debit card every month. Well now the statement arrives late in the mall and there have been 5 late fee 's added to my account when the balance should now be XXXX. The account is also closed which I do not care about. The fact remains the statements are received late every month and a late fee added. I have called and was told that the auto pay is not on and that is why the account is receiving a late fee. It is no my fault the mail is extremely slow and or Capital One sends the statement out late in order for late fee 's to be added to the account. The bank should wave these Fee 's. This is not my fault and this account was never late when it was held by XXXXXXXX XXXX and on auto pay.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've had a credit card account with Capital One since XX/XX/XXXX. It is my second oldest credit card and has a high level of importance to my overall credit score due to the age of the account. On XX/XX/XXXX, without any advanced warning, notice, or attempt to contact me, Capital One closed my account due to inactivity. Within an hour of receiving the closure notification via email, I contacted Capital One 's customer service phone line in an attempt to get my account re-opened. The customer service representative took a moment to examine my account before informing me it could not be re-opened because it had been inactive for 24 months. I explained that I was unaware of this 24 month rule ( it probably wasn't in the original agreement I accepted 9 years ago ), and that I would certainly make more efforts to use the card if they could have the account re-opened. The representative was unmoved. I requested to speak with a supervisor hoping someone at a higher level of authority within the company could assist me. After a terse " hello '', the supervisor immediately shut me down by repeating the same line as the original service rep, that my account could not be re-opened and the decision was final. I told the supervisor how surprised I was that, after a nearly 10 year financial relationship with Capital One, during which my credit card account was always in good standing with no missed payments, they would close my account without warning. The supervisor told me it was just a business decision, not a big deal. Well, it may be just another " business decision '' for Capital One, but for me it's a negative hit to my credit score that impacts my ability to borrow money or open credit accounts in the future. The fact that they would do this to me in the middle of the COVID-19 pandemic, when I have a myriad of other financial concerns to address, made it especially painful. Just two months ago, I received an email from Capital One saying they were here to support me during these uncertain times. You know how they could have best supported me during these uncertain times? Maybe by not dealing a blow to my credit score by abruptly closing my second oldest credit card account in the middle of a worldwide pandemic. 

I get that this credit card closure was probably an automated action that takes place after a certain number of inactive months, but I'd like to think Capital One is a corporation with some humanity, that can make exceptions and show flexibility to help me in this situation, rather than a faceless corporation that leans heavily on rules buried deep within credit card agreements to XXXX punch my financial situation when the chips are already down.
Consumer complaint received 2020-05-20
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. (FL)

I purchased a trip through XXXX on XX/XX/XXXX for a vacation to XXXX XXXX leaving XX/XX/XXXX and returning XX/XX/XXXX. I paid XXXX for the trip with my Citibank credit card on XX/XX/XXXX. XXXX canceled the trip and say they refunded my money but I was never refunded. I issued a dispute with Citibank and they turned down my request for a refund of my money. See below from the XXXX  site under my itinerary. 


Canceled On : Sat, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX XXXX XXXX Room Type : Run Of House Rooms All-Inclusive ( ROH ) Check In : Sat, XX/XX/XXXX, XXXX XXXX  Check Out : Thu, XX/XX/XXXX, XXXX XXXX   Rooms : 1 Nights : 5 Occupants : 2 Adults Promotion : Up to 65 % Off With XXXX XXXX  Guest Request : Celebrating 18th wedding anniversary. Something romantic upon check-in if possible. 
Note : Guest requests ( specific bedding, adjoining rooms, smoking preference, etc ) are delivered to lodging partners as a request only, and are not guaranteed as a part of your booking. Hint : If specific bedding is required, it should be included in the Room Name ( e.g. King Suite ). If you have questions, please call Guest Support at XXXX. 
Your Activity Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Canceled On : Sat, XXXX XXXX, XXXX XXXX XXXX  Rate Plan : Adult ( Ages 11 & Up ) Quantity : 2 Status : Canceled Roundtrip Transfer from XXXX XXXX ( XXXX ) Airport to XXXX XXXX XXXX Canceled On : Sat, XXXX XXXX, XXXX XXXX XXXX   Rate Plan : Per Person ( All Ages ) Quantity : 2 Status : Canceled Payment Details PromotionUp to 65 % Off With XXXX XXXX Nightly Average {$400.00} Taxes & Service Fees {$420.00} Total Amount Of Vacation : $ XXXX ( total amount charged ) Full Payment {$2400.00} Date : XX/XX/XXXX, XXXXPaid : Yes XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADULT {$330.00} Date : XX/XX/XXXX, XXXXPaid : Yes Roundtrip Transfer from XXXX XXXX ( XXXX ) Airport to XXXX XXXX XXXX  XXXX {$81.00} Date : XX/XX/XXXX, XXXXPaid : Yes Cancellation Refund ( - {$2400.00} ) Date : XX/XX/XXXX, XXXXPaid : Yes Cancellation Refund ( - {$330.00} ) Date : XX/XX/XXXX, XXXXPaid : Yes Cancellation Refund ( - {$81.00} ) Date : XX/XX/XXXX, XXXXPaid : Yes
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2020-05-21
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. (NC)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX. 
Company XXXXnquiries TRANS UNION XXXX XXXX XXXX XXXX XXXX  XXXX  I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX  # XXXX, US DEPT ED # XXXX.
Consumer complaint received 2020-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

Portfolio Recovery Associates LLC have been extremely gracious regarding 3 accounts I had with them. After placing me on a hardship program regarding my having had a XXXX, XXXX XXXX, XXXX XXXX, and a XXXX child of mine being diagnosed with XXXX, they sent me letters relieving me of my debts. I paid on them as long as I could. The letters stated they were either considered paid in full or that I did not owe any more and that they would be deleted from my credit reports per their updated policy. They are still being reported and with the amounts I had owed, nothing has been updated. 
I have tried to reach out to them again and due to the virus ( I'm assuming ) I can not get any help. 
I want this published not out of malice, but because of their poor reputation and how reaching out anyway helped me more than they will ever realize, and how nice they were to me. I regret that I know no other way to resolve this and I do not believe it is being done to be hurtful.
Consumer complaint received 2020-05-20
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE.
Consumer complaint received 2020-05-20
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: Paypal Holdings, Inc (TX)

I purchased a XXXX from XXXX on XX/XX/2020 on a quarterly ( every 3 months ) subscription base. It was for me to ensure that my forex trades stayed active when my personal computer goes to sleep. However, I kept having issues with the system. It wouldn't allow me to log in and eventually it stopped my trades completely out of nowhere. I reached out to XXXX about the dispute via email after I had already tried sitting and waiting for hours for their support to respond via chat. they NEVER answered the chat! I then sent an email requesting a full refund. They tried to offer me a free month of service and I told them NO. They told me to cancel my account. I responded to them stating that the cancellation " needed to include a FULL refund ''. They responded " Yes, you may send the request to cancel, thanks ''. Paypal refuses to issue the refund and are trying to say the merchant didn't agree to the refund. I sent them a screen shot of the conversation but they still refused to issue the refund! They need to give me my money back! I am being charged for services that I am not receiving and that hadn't been working. I have complained several times!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE. 

ACCOUNTS TO BE AMENDED : XXXX XXXX XXXX XXXX XXXX, # XXXX / XXXX XXXX XXXX XXXX, # XXXX
Consumer complaint received 2020-05-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (TX)

XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip 2 inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX XXXX
Consumer complaint received 2020-05-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have a dispute with XXXX XXXX Services concerning the charge on my account made by XXXX on XX/XX/2019. In an effort to discard the reservation it was inadvertently booked by mistake. I call was immediately placed to XXXX to explain the mistake and requested a cancellation. I doubt the transaction was transmitted to the XXXX XXXX in XXXX AZ. I was charged {$170.00} for a reservation that was never processed and for service not used. The following is the dispute for the charge : XXXX # XXXX XXXX : XXXX XXXX Dispute Amount : {$170.00}
Consumer complaint received 2020-05-19
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: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. EVERYTHING THAT I AM TRYING TO ACCOMPLISH IS NOW AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2020-05-19
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. (TX)

I open a dispute on my credit report and I didnt apply for XXXX loan or never received the XXXX  phone at all and I never place the order and didnt provide my social security number and they denied my claim and I send in the FTC report to Experian and they didnt block it or remove it off my credit report ... I already have a XXXX XXXX XXXX XXXX why I need a XXXX  phone I didnt place this order and it appears on my credit report that I owe {$1600.00} for this phone I never again received this phone and I called and cancel this order and told XXXX this account is fraudulent and Im not interested in getting a loan with them
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One closed my account without warning. I had {$0.00} balance and had not used that card in 2 years but received no warning that it would be closed. Closing it lowered my available credit and decreased my average credit account age, which will result in a lower credit score. When I called to ask them to reconsider I was told that it was a corporate decision and there was no one at Capital One that could reverse it and that I could not speak with a supervisor.
Consumer complaint received 2020-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I tried to refinance a property that I purchased in XXXX of 2019 for XXXX with Loan Depot. The appraisal that was ordered was incorrect, it was not ordered for a rental property and was instead ordered as a primary residence. They also performed a drive by  refinance rather than going into the home. 

The appraisal came in at XXXX, and when I raised concern about them not going in to see the improvements that we've made to the house and that the incorrect mortgage type was ordered, also that it seems unlikely that the real estate market dropped 10 % is a year was unlikely ... they would not reorder a new appraisal or refund me for the incorrect one that was ordered. 

The customer service that I experienced during the process was atrocious, calls and emails that went unanswered. 

I called the manger but we refused to refund the appraisal.