davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am filing this complaint to bring to your attention the egregious mishandling of my Walmart credit card by Capital One, which has caused significant disruption to my finances and daily life. On a recent occasion, I attempted to make a purchase of {$200.00} at a Walmart store, only to have my card declined XXXX times. The first denial message from the terminal stated that the issuer declined the transaction, and the second and third attempts revealed that my account had been closed. This was alarming, as I had not been notified of any closure or issues with my card prior to this incident. I immediately contacted Capital Ones customer service, where I was falsely assured that my Walmart credit card was fully operational and active, despite my experience proving otherwise. Capital One failed to inform me about a product change they had initiated, and instead, falsely claimed my card was still usable. When I pressed further, they admitted to this product change and stated that a replacement card would take three weeks to arrive, effectively leaving me without access to necessary credit. Their failure to communicate this important information and the conflicting messages I received at the Walmart terminal not only resulted in a ruined transaction but also undermined my trust in the company. This was a clear breach of our cardholder agreement and has caused significant financial and emotional distress.
Consumer complaint received 2017-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I am the parent of XXXX XXXX XXXX. I agreed to pay off the balance of her loan to American Education Services. I wrote a check for the balance of the loan according to my daughter 's records. The check was sent registered mail # XXXX for {$41000.00}. The check was returned with the message that the check needed to be sent to another address, even though that is where she sent all her payments since the mid XX/XX/XXXX with out any delinquencies. I sent another check with the new address and a new balance. I sent the check on XX/XX/XXXX # XXXX so that it would arrive before their deadline of XX/XX/XXXX. so that more interest would not accrue. The check was never cashed and the representative at American Education Services said they never received the check. My daughter then proceeded to call AES. The manager there could not have been any more rude and uncooperative. I sent a third check by registered mail on XXXX which they would have to sign for. It never happened.
I do not think anyone can realize how frustrating it is when dealing with an organization who is completely inflexible in dealing with a simple matter of paying off a loan. Even more ridiculous is the fact that she has had to pay at a 8.9 % interest rate all these years without any relief when interest rates are at an all time low. And now they are adding interest money each day to the principle as long as they can drag it out. My hope is that you can help us resolve this problem. Thank you.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 2017-07-17
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. (NV)

Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company.
Item is listed as :   XXXX   XXXX   XXXX   XXXX  , for the debt of   XXXX   XXXX   XXXX   XXXX   for {$1300.00} USD.
Can the CRA 's confirm validity and provide proof of debt?
Thank you.
Consumer complaint received 2017-07-17
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. (GA)

I submitted a request for Experian to block fraudulent information on my credit report. I submitted a police report that I filed in person, an identity theft affidavit that I filed with the Federal Trade Commission, my driver 's license, social security card, and a copy of a recent bill with my request. When I reviewed my credit report I did find that Experian had blocked the majority of the information from my credit report that I had sent them via certified mail with the exception of (  XXXX  ) accounts, but these accounts were also listed i my list of fraudulent items to be blocked from my credit file. I do n't understand why Experian chose to pick and choose the accounts that they would block from my credit file when I plainly told them all of the ones that were as a result of identity theft. The accounts that Experian refused to block were as follows :   XXXX   XXXX    XXXX  Account Number  XXXX  this is a fraudulent account and should have been blocked with the rest of the items that I identified to Experian were fraud.   XXXX   XXXX   XXXX   XXXX   XXXX   Case  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Case  XXXX  Both of these bankruptcies should have been blocked too because they were both fraudulent/not mine and I plainly explained that to Experian by phone and by certified mail. They claim this fraudulent information was provided to them by  XXXX , but regardless they are continuing to report information that they have been made aware was as a result of identity theft which makes them just as liable as   XXXX   XXXX  .
 XXXX  was also sent a certified letter making them aware that they were reporting a bankruptcy under my name and social security number that did not belong to me.   XXXX   XXXX   never did respond to my certified letter and continue to report the same fraudulent information. I have tried to resolve this with both companies in professional manner but they both feel that they do n't have to honor my request. It seems they do n't know what the phrase " I was a victim of identity theft means ''. These companies want to tell you that they verified your name and social security number and address, birthdate and so on and so forth, but if they were very well versed in what Identity Theft is they would know that means that someone has used all of my correct personal information to open fraudulent accounts to include credit accounts, bank accounts, bankrupticies and all of that. They simply do not care they would rather punish me by continuing to broadcast this fraudulent information which is also defamation of character when i have told them that it is inaccurate and fraudulent and then they continue to do so. They are willfully and maliciously continuing to report information that both companies know to be false/fraudulent.
Consumer complaint received 2017-07-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Greetings, I really need your help this time, please. Experian is been reporting a credit card from   XXXX   XXXX    XXXX   XXXX   XXXX   that they are reporting late and which is not true. This credit card was stolen since two and a half years ago and I called  XXXX  and they never sent me the card nor did   XXXX   XXXX   XXXX   as well sent me the card as well. So I have been without this card for almost a year and I have made payments and this card should not be in my credit profile it is fraudulent and an injustice in the part of Experian and   XXXX   XXXX   XXXX   XXXX  .
I am going to attach a screen shot for you guys to see my credit score from all  XXXX  bureaus and you will see that Experian is the only one reporting this account and also the only one with a ridiculous score of  XXXX  which is so inaccurate.
I am trying to own my first home and right now Experian is putting my life and my children 's life in jeopardy. We have enough veterans that are homeless because of reason of such from this credit bureaus, I fought for my country and right now I am  XXXX  and   XXXX   XXXX   and without a home and I do n't think that it is fair for this company to keep on reporting inaccurate information to ruin my credit file and put a barrier right now for me on owning my first home.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX XXXX Account Number # XXXX This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files
Consumer complaint received 2017-07-17
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: TD BANK US HOLDING COMPANY (PA)

On my   XXXX   2016 credit card statement ( TD Ameritrade Client Rewards ), I noticed   XXXX   charges of {$150.00} each made out of state at a time when I had n't left my hometown.
I called the card issuer and reported it as a fraudulent/unauthorized charge. I submitted all my evidence in writing and was informed it was likely a counterfeit card since there was no signature obtained. They promised they would investigate it and would not bill me for the  XXXX  charges. It was forwarded to the Fraud Investigation unit.
Since then, it has been 18 months and there has been no action taken. I have called every 2-3 months to TD and they keep saying that the last action was  XXXX  2016 and they apologize for the delay.
Yet the charges keep showing on my statement and have not been resolved.
Consumer complaint received 2017-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (CA)

Date reported :  XXXX / XXXX / XXXX  Original Creditor Name  COLLECION BUREAU OF AMERICA  Date Assigned  XXXX / XXXX / XXXX  Original Amount Owed {$1100.00} Amount {$1400.00} Status Date  XXXX / XXXX / XXXX  Status UNPAID Balance Date  XXXX / XXXX / XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxxx  XXXX   Creditor Classification Medical  or Health Care Last Payment Date Date of First Delinquency  XXXX / XXXX / XXXX  I declined the  Medical Transport a nd was not given the choice to deny. I repeatedly told this company that I did not want their service at that time. Again, they ignored me and transported me anyways.     At the time of their service in  XXXX , I was not of sound mind and was forced to proceed.     I had my husband there and he could of transported me, but they did not listen to him nor me and proceeded to do as they please.     My husband is a  XXXX   XXXX  and  XXXX  and deals with this aspect every day and knows that they had no right to go against mine or his wishes.     I would like to have this removed from my credit as I firmly believe that this was forced upon me without my consent while I was not of sound mind.      XXXX   XXXX
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

On  X/XX/2014  I signed a notice to vacate as well as the management of the apartment complex (   XXXX   XXXX   XXXX   ) and they agreed to break my lease with no fee as letter states. I am in the process of fixing my credit for mortgage purposes and realized that I have a broken lease fee on all  XXXX  of my credit reports so of course I disputed it and it came back verified. I contacted the creditor ( National Credit Systems ). I called sometime in   XX/XX/XXXX  as king to speak to a supervisor and was transferred to  XXXX . I advise him that I had proof that the complex agreed to break the lease with no penalty and he advised me to mail it in. I did just that and once it was delivered, I called   XXXX   back and was told that I violated my lease by giving my notice a couple weeks prior to the 60 days and they will continue to seek payment.
Notice to vacate agreed and signed on :  X/XX/2014  Dat of move out :  X/XX/2014  I was on a section 8 program (   housing authority of   XXXX   county ) and they were paying the rent, so this notice to vacate had to go through may channels before being approved considering they were paying the full monthly rent at that time.   XXXX    XXXX  was paid fo r  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  so I 'm not sure why there is a fee.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

The " annualcreditreport.com '' website is a piece of junk.
The CAPTCHA fo  rm is close to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (OH)

Today at  XXXX  I recieved a phone call from a courier service looking to serve me with documents. When I inquired about these documents they gave me a phone number and a reference number as I did not recognize the company they were delivering the documents for. They have claimed to have attempted to deliver these so-called documents to three different addresses I have lived at, one which I currently reside in and no such company has ever rang our bell.
I called the number and spoke with a man. I gave him the reference number and he proceeded to confirm my identity and said that I was being sued by US Bank for an amount that would eventually total {$4200.00} from an old checking account that had been overdrafted and was never paid off.
It was  XXXX  when this happened and my father and I had gone into the bank to resolve the matter. It had been a bank error in which they had applied numerous overdraft fees all at once due to an error in their computer. The teller confirmed this over the phone with a corporate person, as it had happened to another customer. She then removed all of the fees with this exception of a few, my father and I paid what was owed, and the account was closed.
The man on the phone from the debt collector said I committed a federal crime. That is against the law for them to say that to me. He then proceeded to harass me about my credit score that he has supossedly looked up and then was harassing me about a student loan I am paying off. He continued to badger me and said that I better get an attorney or I would end up in a federal prison. I am scared that this might actually be legit but I do not think it is and I am worried that they are trying to scam me. I am  XXXX  and on a low-income. This matter is also considered to be past the statue of limitations here in ohio as the account was from  XXXX  and it is now  XXXX .
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

This is a long story that started with a Ch.  XXXX  BK in  XX/XX/XXXX . BK ended in   XX/XX/XXXX . My original mortgage was in  XX/XX/XXXX  just before collapse of r eal estate market with  XXXX . The mortgage moved to  XXXX , then to   XXXX   XXXX   XXXX  , then to  XXXX  and now with Shellpoint. the   XXXX   later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When   XXXX   transferred it to   XXXX   XXXX   XXXX  , they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In  XX/XX/XXXX . Yet, after BK was over and  XXXX  took over they kept claiming I owed anywhere from $  12K  to  $ 25K  in unpaid mortgages they couldnt quite get their numbers straight in  XX/XX/XXXX , they started cashing my checks electronically fr om  XX/XX/XXXX  whi ch somehow, I never got credit for, so when Shellpoint took over in   XX/XX/XXXX , t hey claimed I owed {$15.00} K approximately. even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XX/XX/XXXX . I do not get any statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owE over {$7000.00} since   XX/XX/XXXX  ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in  XX/XX/XXXX  due to flexible rates ... even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact which they did n't ... I get lots of letters claiming to default on my condo but none with any amounts in it.. Every check I pay with I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink.
I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my {$15.00} K back or at least applied to principal.
During   XX/XX/XXXX   i did n't even get a  XXXX  Tax form credit of mortgage interest payments to use against my taxes ...
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo has not been reporting my home mortgage to the credit reporting bureaus.
Loan #  XXXX  is an automatic debit, never a penny missed in nineteen plus years. I attempted to resolve this last year with them ...  XXXX / XXXX /13 I was discharged from chapter   XXXX    bankruptcy having to file to stop a federal judgement for violating a noncompete.   XXXX   XXXX  ,  XXXX , MN presided.
My lawyer processed ALL documents necessary as we went through the process. WF claimed we did not. The bankruptcy had no bearing on my home or mortgage. My loan to pay my lawyers was reaffirmed at my bank and satisfied. My bankruptcy lawyer says WF is doing this to hundreds of his clients ... ..I want my credit to rebuild and reflect my perfect payment history! Please hold this evil empire to the fire and resolve my concern! I will, at my lawyers ' advise, be sending the  XXXX  credit reporting bureaus documentation of my loan history, if you deem this to be necessary.
Thank you
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I Was XXXX From XX/XX/XXXX Until XX/XX/XXXX And I Have Provided Proof Of That FACT I HAVE Sent A Copy Of My Release Papers FROM THE FEDERAL GOVERNMENT And A Police Report Stating The Facts That I Am A VICTIM OF IDENTITY THEFT
Consumer complaint received 2023-07-14
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. (NY)

I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.
Consumer complaint received 2017-07-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XXXX   XXXX   a   XXXX   year old man went in to Nissan to purchase a car and was talked into a lease. Not quite understanding, he thought he was purchasing the car, therefore, he grossly overpaid the contract.   XXXX   XXXX    was asked to return the car back to the dealership under the guise they could get more money in the sale. Without speaking to   XXXX   XXXX   and providing the amount the car sold for, Nissan turned him over to a collection agency for some outrages amount. This is the second complaint we have made to this company regarding Nissan Acceptance Corp, the first one was rejected by Nissan as they had no authorization. Please be assured one is attached along with the supporting papers of the customer being taken advantage by Elder Abuse. While securing the authorization, we had a chance to research prior complaints which seen to be in abundance and concentrated on the elderly..
Consumer complaint received 2017-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to Transunion about a fraudulent inquiry on my report that was affecting my credit score because of multiple inquiries by the same companies. I never authorized my information to be shared with this company. I contacted the company, in which they initiated the information was factual and that it will not come off my credit report. They also sent out a letter for me to contact them about my dispute. The dates that they tried to pull my report was  XX/XX/XXXX  ad also  XX/XX/XXXX . I feel violated of my rights and the accusations that they are putting on me about the credit application I 've never applied for. I do not have any credit with them or have ever tried to apply for credit with this company. There was a freeze on my credit report and I was never notified of them pulling my credit report.