davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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. (CA)

On XXXX XXXX, XXXX I ordered an {$440.00} item from an XXXX seller ( now defunct ) using my credit card issued by : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX The XXXX seller subsequently provided a fraudulent confirmation number claiming that XXXX had delivered the item I ordered on XX/XX/XXXX. 

I was at home at the stated delivery day and time, and no package was delivered. I called XXXX after receiving the fake delivery claim from the seller, and confirmed the following : No package delivery to my address had been attempted by XXXX on that date. 

The delivery confirmation number the XXXX seller provided was for a 7.10 lb. 
package, and certainly not for the approximately 90 Lb. item which I had paid {$440.00} for. 

The package was sent from an XXXX account ( whose identity XXXX would not disclose ) not from the XXXX seller who billed me. 

And correctly delivered by XXXX to another party at another address in the same zip code, as the sender directed. 

XXXX stated Their was nothing they could do, as this delivery was flawless, it just had nothing whatsoever to do with me or the item I had been billed for. 

I have stated the same over the phone to three XXXX Mastercard representatives, and also in multiple written communications, and pointed out that they merely have to contact XXXX to confirm that delivery was never made, and I am not responsible for payment. 

XXXX Mastercard has reputedly replied with form letters asserting that I actually did receive the item I ordered, without making any attempt to investigate the facts proving otherwise. I believe that XXXX Mastercard 's refusal to investigate and settle this claim in my favor prior to this time is a violation of the Fair Credit Billing Act.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

on XX/XX/2021, i called XXXX XXXX to make my payment, it was XXXX, after i made my payment, my payment was due on XX/XX/2021, I called customer service to ask that my fee be wavier, but i was told that they only wavier fee once in 18 months and that i had did this 18 months ago. I told customer service that i always pay on time and pay more than the minimum payment, she said that she could not wavier the late fee, i said i would call to speak to a supervisor. I have been a great customer, never missed a payment. I don't need a late payment fee on my account.
Consumer complaint received 2021-05-18
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)

On XX/XX/2021 I sent a dispute letter via mail to the 3 credit bureaus attempting to dispute an incorrect account appearing on my credit report. I provided my home address, copy of personal current I.D., and proof of address along with my letter. I waited a month or so, TransUnion and XXXX  sent a response letter but XXXX  never got back to me. At that point, I sent a letter to XXXX  warning them they have 30 days to respond and again, requesting a correction of my credit report otherwise I'd file a complaint against them to the CFPB. XXXX  has yet to respond to my second letter. 
Additionally, I politely requested valid proof of the debt shown on my report ( such as a signed contract or agreement ) yet TransUnion and XXXX  failed to do so.
Consumer complaint received 2021-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have sent out several dispute letter to transunion on several occasions and made them aware that they were in violation of several of my consumer rights. they steady sent me documents stating that the information was verified and accurate. i sent a dispute letter first to them 90 days ago, again 60 days ago and again 30 days ago. 
Fact, Fair Credit Reporting Act is federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.

Fact, has proof as seen in attachment labeled EXHIBIT A. That Transunion is in violation of 15 USC 1681b ( a ) ( 2 ). Permissible purpose. I never provided Transunion with written consent to report anything on my consumer report/file. When there is no consent that is identity theft.

Fact, proof per attachment labeled Exhibit A, that Transunion is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by congress only, I can validate a debt and I do not
validate this debt.

Fact, has proof in attachment labeled Exhibit A, that Transunion is in violation of 15 usc 1681a ( 2 ) ( b ) which the law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion stated they verified this item, but that makes no sense as I am the original creditor in which I am unable to extend credit to myself.

Fact, the FCRA states that civil liability for willful noncompliance, per 15 usc 1681n ( a ) ( 2 ) ( i ). Well Transunion Transunion violated the federally protected consumer rights. That is the amount of {$3000.00} that I am due.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To whom it may concern, I have a charge off from KOHLS DEPARTMENT STORE that is still listed on all of my credit reports. 

I called several times regarding this and was told by KOHLS DEPARTMENT STORE company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from ( KOHLS DEPARTMENT STORE ). I would like this updated and removed from all 3 credit report agencies ( XXXX XXXX, and XXXX )  as they had promised. 

Card Detail : KOHLS DEPARTMENT STORE Opened XX/XX/XXXX ( 6 yrs, 7 mos ) Closed XX/XX/XXXXThank you for your time, efforts, and assistance in having this removed, I am grateful.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian emailed me my usual credit report on XX/XX/2021, saying that my Fico score reduced by 35 points since XX/XX/2021, making it go from good to fair ( XXXX to XXXX XXXX. When I looked at the report, the only changes that it said it detected were all going in the positive direction. I do not understand how it could drop so significantly when my financial activity has been stable if not better. I havent changed it in any negative way. Experian keeps trying to get me to boost my score by paying for more service. It seems like there is some sort of fraudulent activity going on that would make my account supposedly drop by 35 points when my financial activity has been good. Ive tried to contact them with no success because they put you in an email tree and a website tree that you can not escape out of. I would like some help to correct what I believe is erroneous information that is affecting my credit score. Thank you!
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (TX)

On XX/XX/XXXX of 2021 XXXX XXXX closed my checking account that ends in XXXX. 
As of today, XX/XX/XXXX of 2021 the funds have not been received by me that were in that account. 
I have been told numerous times on the phone that is 5 to 10 days to receive the check I have called numerous times to every number I was given by BMOHarris to try to get an answer for this and they continue to Stonewall me. 
This is intolerable, this is totally unprofessional.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My lender XXXX XXXX XXXX XXXX XXXX has agreed to remove all late payments ( 4 ) and the remark repossession redeemed from my credit report. A copy of the attached letter was sent via USPS 45 days ago to all 3 credit bureaus XXXX XXXX, Experian, and XXXX XXXX per XXXX XXXX instructions. To date Experian and XXXX have not deleted/updated the late payments on my credit report.
Consumer complaint received 2021-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kelsting Group, Inc. (CA)

For the past several months, I have reached out to Pacific Credit Services in regard to a collection account they have placed on my credit. I have not been successful in getting the matter resolved which is why I have elected to file this complaint. I have no knowledge of what the account is for because I was never contacted by them- they just placed the debt on my credit. Additionally, I HAVE BEEN A VICTIM OF FRAUD. I have a police report on record- the bureaus have it and i filed a complaint with the FTC . Again- I have no knowledge of account number XXXX AND I AM REQUESTING THE FRAUDULENT ACCOUNT AND IT'S FRAUDULENT PAYMENT HISTORY BE EXPUNGED FROM MY CREDIT IMMEDIATELY!!
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

On XX/XX/18, I went to a XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, FL. I was there to change my phone plan as they had advertised for months prior they would be covering any carryover costs from another service below {$650.00}. I was transferring from XXXX and realized XXXX would be more cost-effective and wouldn't have service issues in the city. 

After switching from the same number and using my phone for a few months, on XX/XX/18 a notice came in the mail from a XXXX XXXX XXXX inquiring about a debt in the amount of {$280.00}. I saw that this was due to a late XXXX bill so I just left it be. Referring to settlements, I was semi-concerned this could be fraud. I've never possessed any debt. I also knew that I was well within the coverage provided by XXXX 's promotion that they had ongoing when I acquired my new phone. I was not at all concerned nor considering the letter legitimate. 

Two months ago, I was looking over my credit score and was shown I held a derogatory mark on my credit from XXXX. This is now being referred to collections and there's no trail in which I am the at fault party. I attained audio from a XXXX service representative in which she has claimed that XXXX covered this negligent balance. Obviously she is mistaken ( at my expense ) and rightfully, they are the accountable party if they claim it was covered and it was not.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have filed several disputes on removing this Bankruptcy that is NOT mine and everytime the dispute is complete, it shows that Experian AND XXXX keep verifying a Bankruptcy on me that does NOT exist. I have a Letter from the U.SXXXX XXXX Bankruptcy Court stating that they do not verify anything that I have been having since XXXX of XXXX and I have a letter from XXXX stating that they have removed this off of my Consumer Report as of XX/XX/XXXX. 

NOW Both Credit Bureaus, XXXX AND Experian keep saying they were able to verify my bankruptcy as of XX/XX/XXXX and will not delete it off of my credit reports. Please help me, because both bureaus insist on keeping this Bankruptcy on my credit report and I want it off of Both my reports immediately! Thank you so much in advance. 

Respectfully Submitted, XXXX XXXX
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Good Morning. My name is XXXX XXXX. My account number is XXXX. I just spoke to a XXXX representative. I was also informed XXXX only reports at the end of the month. I am currently in a deferment and my loan is in good standings and has been in good standing for the last few years. There is no balance due on my account. XXXX has reported incorrect information to the credit bureau twice this month. Once on XX/XX/2021 and XX/XX/2021. My credit score has dropped 42 points. This has caused me great pain and suffering. I have been working on my credit I have paid over several items recently. XXXX has done this in XXXX of this year and they fixed the problem now this is happening again. This is unacceptable. I have called, emailed, mailed, and faxed numerous letters to XXXX and no response. XXXX has only reported this to Transunion.
Consumer complaint received 2021-05-19
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: Experian Information Solutions Inc. (CA)

Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
I did not consent authorize nor benefit from the following inquires please block and remove them immediately. I have attached a FTC Report with all of the inquires listed that i want removed.
Consumer complaint received 2021-05-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (NJ)

Santander Consumer USA settled a multistate lawsuit with 33 states. The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk by placing them into auto loans that Santander had determined had a high probability of default. 

My loan met the same criteria. I purchased my vehicle in XX/XX/XXXX and defaulted before XX/XX/XXXX. I've attached my loan documents for your review. 

I received notice from the MD Attorney General 's office outlining the relief I'd receive as a result of the settlement. I would receive a restitution payment and loan deficiency balance waiver. Neither of these have happened. Santander has only made payments to 2 entities so far. It has filed a motion with the NJ Bankruptcy court to have my chapter XXXX vacated so that it can repossess my vehicle.
Consumer complaint received 2021-05-18
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. (MO)

Today is XX/XX/2021. I mailed out letters to XXXXx, Transunion and XXXX on XX/XX/2021 about inaccurate information reporting on my consumer report. I have not received any response and its been over 60 days and thats a Violation. Also, XXXX, Transunion, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 60 days.
Consumer complaint received 2021-05-18
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: Atlanticus Services Corporation (TX)

I received a pre approval from a company, I filled out minimal information to see if I wanted to get the card, when I saw high APR and other fees, I decided I didnt want to go through with the card, I then hit exit and did not submit, they checked my credit even without my approval. I called the company, they were very ugly to me stating they did not check my credit and that I did not finish the process, I explained to them that I did not want the card and I did not submit for my credit to be checked, they were once again rude and told me they never checked my credit. I called XXXX who explained to me that there was a hard inquiry from this company, and said that I should contact your company for removal. This company is charging and price bending fees to very high costs before you get the card, and I explained that I did not want the card and I did not submit for it
Consumer complaint received 2021-05-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I've registered for an account online and successfully registered auto pay with them. They can't confirm the account details I used to schedule their autopayments - they say that the first payment scheduled was denied. Their online portal contains significant issues. If I attempted to register a bank account for payment, I receive registration errors. Their auto-pay service windows tells me my next scheduled payment is for XXXX/XXXX/XXXX I attempted a payment to bring the account current but the payment was immediately returned ( I can not verify what account numbers they are using because they say they can not access them but I verified them multiple times before submitting ). Their system is not reliably scheduling payment or executing payments to the account I requested to pay from. I have checked with my banking institution and they say they haven't received any payment request from Citizen 's One. They didn't notify me that my payment failed and it doesn't reflect in their online portal. I have spoken with them and am attempting to bring my account current but my biggest issue is that they are now going to report delinquent marks on my credit report for a failure of their payment services. When I spoke to them, I learned that their website doesn't successfully work with the browser I was using, XXXX however there is no messaging anywhere indicating that.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

There is no point to contacting Capital One. They believe their actions are justified, when they are not. Capital One also retaliates against complainants. 

Capital One is threatening customers with financial ruin, shutting down their accounts, if that customer gets angry at their extremely poor customer service or treatment. They are sending threatening emails to shut down that customers financial accounts. Capital One is claiming it is in their " policy '' to not allow " swearing '' and are thus justified in causing someone's checks to bounce, bill pays to fail and that customer to not obtain their direct deposits by shutting down a customers financial accounts. 

Capital One repeatedly has direct deposit, ACH failures with the claim the customer should use their 'debit card ' for direct deposits instead of repairing those ACH fails. Direct deposit with routing number and account number is a basic feature of any bank yet repeatedly Capital One has ACH failures and claims there are no record of those failures when the sending party does indeed have a FAIL record of the direct deposit attempt. Capital One claims to the customer they should " open a new account '' then refuses to let that customer open a second checking account on the phone and claims they must open it online. Then while online, that second account opening is denied and a phone number is given. Then Capital One demands a decade old, long verified customer send via unencrypted email a copy of their driver 's license and SSN card. If the customer finally gets angry, raises their voice or swears, Capital one sends that customer a threatening email to shut down all of their bank accounts. This is without resolving or repairing their ACH and payment failures. 

If one forwards this threatening letter to executive offices, Capital One in turn calls the customer repeatedly, recording conversations, trying to justify treating the customer in such an abusive and financially threatening manner. That is retaliatory. It is Capital One 's policy to shut down customers financial accounts over social, societal or " behavior '' deemed " unacceptable '' by Capital One. Cussing is not a criminal offensive and either is expressing anger at such banking incompetence that is Capital One. 

Capital One threatens, intimidates, causing financial loss, to customers who dare raise their voice or are angry over the inability to obtain basic banking services. Capital One is discriminatory. Woimen are more likely to receive this treatment because Capital One does not approve of their " behavior ''.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (OR)

On XX/XX/2020 I used my banks online payment service to make an electronic payment from my checking account to United Wholesale Mortgage for my monthly mortgage payment for the month of XXXX in the amount of XXXX. The payment was withdrawn from my checking account but was never credited to my mortgage. I was told by United Wholesale mortgage that the payment was never received, so I paid my XXXX mortgage for a second time on XX/XX/2020, this time through my mortgage companys online system. After filing a dispute with my bank, I was told that the payment was sent to XXXX XXXX XXXX and Reporting and was provided with a Proof of Payment sheet which I sent to United Wholesale Mortgage/XXXX XXXX XXXX and Reporting. I was informed via a letter from the mortgage company that the payment could not be found because the bank had not provided the correct information needed locate the payment, and because the transaction had the wrong account number ( when the payment was sent, the account number had defaulted to XXXX XXXX. My bank has insisted that the information they provided is the only information they have and should be sufficient. They have let me know there is nothing more they can do to help. I have subsequently tried to contact United Wholesale Mortgage using the phone number on the letter they sent, but they do not answer and have not returned my calls.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

contacted Credit Card Company like Capital One account balance was XXXX but due to late fees it is in collections for XXXX. I contacted Capital One back in XX/XX/2015 stating that i was on XXXX and wanted to know how to pay on the credit card account without it being declared late or charged off. Never received a response in regards to the situation. then started receiving calls stating that they would take me to court. Capital One actually filed a small claims complaint that i was unable to attend due to XXXX.