davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The company failed to cancel our card when I returned them along with a letter stating we are ending our relationship. The account continued to receive charges that were not ours and when we informed Capital One they sent us a letter stating that all erroneous charges were reversed and we were made whole. The same day we received the letter we received our monthly statement via the internet and all the erroneous charges were back. After we returned our cards we received a credit for a purchase we returned and we are due a refund from Capital One. About XX/XX/2021 I mailed a schedule setting forth how I arrived at the amount we are due. The schedule was mailed to Capital Ones Customer Advocacy Office in XX/XX/XXXX, Va. and Capital One has never responded to this letter. 
To make matters worse Capital One continues to leave messages for me to return calls and when I do they do not answer.
Consumer complaint received 2021-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

the company is with capital one auto finances who are reporting multiple late payments when I actually was making extra payments and or higher payments towards my loan by choice to pay it down. regular payments were {$320.00} and as shown in my receipts i even payed XXXX XXXX in some months. others were returned because they would hit my account a long time from when i submitted the payments, however I then made the payments from a different account as soon as i was notified by my bank that it was returned. even still there is no way it was 30 to 90 days late from when i payed from another account unless their own processing ( which is long already ) took that long so i could notice. I'm pretty sure this is false reporting and very bad business. would not do buisnessbwith them again. they also reported a credit card balance in which I was not the primary account holder. they should know that and i think they were trying to see of i would just pay it off. one customer service representative told me it was on my credit for ten years but wouldn't effect my credit. i think this is totally unprofessional terrible business on their part for what seems to be their way of doing business in quickly reporting customers to credit bureaus with incorrect reporting. Also, i have contacted XXXX who has this reported and it's nearly impossible to get them on the phone. they also will not correct the dispute. i find the credit bureau to be very difficult compared to XXXX
Consumer complaint received 2021-05-25
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. (TX)

I have reached out to XXXX, TransUnion and XXXX well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report. The accuracy of the data reported is inaccurate. If they received the same information from the same company/data furnisher then why is there different information showing for all three credit bureaus. All information must be the same not misleading and falsely reporting. All information must be accurate or it must be immediately removed from my credit report.
Consumer complaint received 2021-05-25
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. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 


Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Good day, This is XXXX XXXX XXXX, I understand this violates 15 USC 1681b ( a ) ( 2 ). Both together and separately, my consumer and privacy rights are being violated. Per Federal Law, NO ACCOUNT can be reported to your consumer credit file ( s ) WITHOUT MY WRTTEN INSTRUCTIONS 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : CONGRESS has stated TRANSACTIONS are NOT ALLOWED to be reported in a Consumer report. 

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 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 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 2021-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (FL)

I know nothing about about this account. I have never received a call, email, letter in the mail, nada. One day I checked my credit report and there it was. No one has or can provide information that the debt actually belongs to me ( because it doesn't ). 

I have no documents because I never signed up for this account I have Disputed this to all three credit agencies. 
XXXX states they verified but has not provided proof it is my debt. 
XXXX doesn't have it on my report XXXX does and I have disputed This is the company : MOUNTAIN RUN SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX I have NEVER had XXXX for any of my homes I have ever lived in I want this cleared off my report ASAP
Consumer complaint received 2021-05-25
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. (NJ)

On XX/XX/XXXX Chase re-billed my credit card for a previous dispute that I thought was settled. I had never received any correspondence from Chase regarding the original dispute nor the re-billed charge. When I saw the charge back to my credit card I questioned Chase and they advised me that they evaluated my dispute and decided that I would have to take up my dispute with the merchant. ( XXXX XXXX XXXX XXXX ). When I asked them for discovery regarding the information they used to determine their decision, I was told that I had to write a letter to the Executive Offices and that they could not supply me with the documentation I had requested. I once again reminded them that I had not received anything in writing from them whatsoever! They again told me there was nothing they can do and to write a letter and FAX it to the Executive Offices. Left with little choice, I had to do battle with the deceptive merchant once again! On XX/XX/XXXX, the merchant picked up a portion of the merchandise I was disputing and was allegedly was going to credit back my Chase credit card. That never happened. I contacted XXXX 's and they advised me that I had to contact Chase to re-dispute the charge in order to receive my credit. I once again contacted Chase and they advised me that I had to write yet another letter and FAX it! I once again complied and wrote yet another letter to Chase on XX/XX/XXXX. I provided all of the the supporting documentation from the merchant regarding the credit for some of the merchandise returned. I still have not heard from Chase and I checked my account online yesterday, XX/XX/XXXX, and I was charged a late fee and now I'm delinquent!! My supporting documentation will provide some insight to the nightmare that I have endured. This must stop! Please help!
Consumer complaint received 2021-05-25
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. (NY)

Experian is reporting balances on the credit report that are incorrect and outdated long after other agencies have removed or updated them. I had to go in and submit disputes on multiple accounts in order to have the correct information updated and then wait 2-3 months until they get processed, which left me unable to apply for credit. Other agencies displayed the correct information, which tells me that the creditors do report the information timely. 

In particular, Experian is still reporting a balance from XXXX in the amount of {$8200.00} I have disputed this item as it has been paid per agreement with XXXX. Experian claims they resolved the dispute, but have not removed the balance. I tried to submit a second dispute, but they refuse to process it. 

Additionally, they are reporting another balance on a previously held joint account with XXXX for {$820.00}. I contacted XXXX and learned that the balance was paid in full by the joint owner nearly one year ago. Yet it is still being reported on my report. I submitted a dispute and it has been in process for over 1 month. 

However, they are consistently 2-3 months late in reporting positive updates, such as decreased balances. 

Of the 3 credit bureaus, I've had the most issues with Experian.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I was a Macy 's customer For over 25 years. I never paid a late payment and Macy 's is more than welcome to check my account history for the past 25 years. In 2019 My social security Bank account ID card will end all my mail for 6 months or stolen that was delivered by XXXX and left in front of my house. My address was changed to an XXXX XXXX address which I've been a resident of XXXX California for the past 40 years. I have a police report on file with the city of XXXX for this incident. As a result of identity theft my XXXX account was also hacked and I had my Macy 's account on auto Pay. XXXX XXXX XXXX Bank and Macy 's both failed to notify me that The payment was not being paid. I was unaware of the situation and I was sure since I had money in my account there would be no problem with the payment. Macy 's never called me about my account not being paid, which is no fault of mine.Macy 's is fully responsible for the delinquency of my account and they also reported it to the credit bureaus and right now my account is in XXXX with Citibank collection. I ced three times today and the representative could not hear what I was saying because of their bad connection. This is horrible customer service.This is another example of bad customer service that we can not even hear the representative. Macy 's has been damaging my credit for the past two and a half years.

For a payment of {$29.00} I'm not able to purchase a car because of the late that will put on my credit report by Macy 's.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flagstar Bank, N.A. (FL)

In the month for XX/XX/2021. I was dealing with XXXX  XXXX XXXX complications but was able to submit my payment through flagstar online payment portal for some reason they are saying that they didn't receive the payment when I made the payment. They have added a late remark on my credit reporting when the payment was made. I would like the remark removed especially since I logged in to pay. They have no sympathy for anyone especially since I was sick and still managed to pay them throughout the entire Pandemic. This is not Company that is for the people.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-25
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. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (NC)

I purchased a home with XXXX XXXX, who sold my loan to XXXX, who then sold it to Planet Lending within the first 6 months of home ownership. I was never notified by phone or mail that my mortgage was sold. I had my mortgage payments auto drafted out of my account and I can attest to every payment being sent, and on time. I have provided this information on 3 occasions to Planet Lending. I have provided cleared check pictures from the bank. XXXX XXXX forwarded my payments, XXXX also forwarded the one payment they were responsible for. I have included XXXX and XXXX, who have provided dates and cleared check pictures from my bank of when the payments were forwarded to Planet Lending. 

I have been in contact with numerous XXXX representatives since XXXX and still do not have this issue resolved. However, they continuously call in regards to default. Planet has placed payments into suspensory accounts, Escrow, and applied payments to mortgage insurance, which we do not even have. They continuously tell me to call back tomorrow, or they are opening a review on my issues, that they are reviewing reversing the misapplied payments, and late charges. I have also asked to reverse the negative affect this has had on my credit score. XXXX XXXX it was a XXXX and now it is a XXXX. I was in an accident and total lost my truck, and once my cervical fracture heals, I will need to buy a new truck. With this credit score I will be unable to purchase another vehicle, which will affect my ability to return to work. 



I have notes regarding conversations from the following dates : XXXX XXXX XXXX Unknown date Unknown date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXImmediately XXXX Absolutely nothing has been resolved and the credit scores of both parties on the mortgage are continuously being affected.
Consumer complaint received 2017-04-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AK)

I am getting collection notices from a company call LoanCare that I am behind in my mortgage payments. I get a call each day, but the last digit on the phone number does not register on my phone.But I have an auto save on numbers calling in as proof. 
LOANCARE XXXX, VA XXXX I do not have any contractual relations with this company. Only collection notices, see attached samples. I pay my mortgage each month to another company on time.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Collection Agency, Ltd. (CO)

I have a collection on my credit report that is the result of a forged lease in my name. I went to court to have it resolved and i have the documentation saying that the courts even declared that it was not owed by me due to forgery. The collection is still on my report and the company continues to attempt to collect even though i have the documentation showing that it isn't owed. Please help me resolve this matter and get this collection removed from my report as it is not mine.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX marked me incorrectly as deceased on XX/XX/XXXX for account ending in XXXX. They also are still incorrectly reporting late payments on a credit card account ending in XXXX after 60 days of them promising they fixed it. 

I immediately called in to have it fixed, as they caused me to suddenly have NO credit score due to their incorrect reporting of being deceased. 

I received a letter stating they looked into my account and found nothing wrong on XX/XX/XXXX. This was for the wrong account after I explained in detail which account was showing the issue. 

It has now been 2 months and XXXX XXXXXXXX refuses to update or notify the remaining credit bureau that I am not dead. I have called XXXX XXXX and XXXX ( which is reporting me as deceased STILL ) and both have said it is not their fault, and that the other is the culprit. 

I have now lost a total of {$2200.00} in earnest money that I put down on a house because of XXXX XXXX Irresponsible and unhelpful customer service. Thousands of dollars. Gone. When I call them now they just state it shows here on your account that you need to wait 90 days from XX/XX/XXXX meanwhile they initially told me multiple times they would fix it IMMEDIATELY because it is holding me back from buying a house! The resolution they are trying to feed me is 120 days of having a critically negative impact to my credit score due to XXXX XXXX gross negligence. 

They are abhorrent at customer service and are causing my family and I extreme grief over their mistake. They have been horrible in trying to fix it and unhelpful in any way. 

In addition to this, they were supposed to delete late payments for an account ending in XXXX for the months of XX/XX/XXXX and XX/XX/XXXX, which I received a letter for dated XX/XX/XXXX. XXXX STILL shows those late payments as being reported by XXXX XXXXXXXX as recently as XX/XX/XXXX. So XXXX XXXX again is ruining my credit report with inaccurate information. 

The correct reporting from Capital XXXX should show 0 missed payments for all three bureaus across accounts XXXX and XXXX, and should be REPORTING ME CORRECTLY AS NOT DECEASED. This is the bare minimum expected of any financial institution. How did XXXX XXXX even let this happen in the first place? 


XXXX : Fix me in your system. I am not deceased. 

Transunion : I have incorrect late payments marked in your system for my XXXX XXXX card ending in XXXX. I have tried several times now to get you to update these, even providing the same letter attached directly from XXXX XXXX stating these are not late payments and are incorrect. Update these please.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CT)

I've received a number of unwanted calls and emails from a XXXX XXXX with Chase as of today, XX/XX/. I received a call from XXXX from Chase, then an email from XXXX XXXX, both unsolicited/unwanted. I request to be removed from emails/calls.