davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

LETTER TO THE FEDERAL TRADE COMMISSION Re : CAPITAL ONE CREDIT CARDS ( 2 ) PLATIMUM CREDIT XXXX XXXX XXXX On XX/XX/2020, I filed a Bankruptcy ; however, I elected not to go through with it and it was dismissed. At that time unbeknownst to me, Capital One put a stop on my cards. There was an automatic payment set up with XXXX XXXX on my son 's car which should have gone through and been paid in XXXX. I knew nothing about Capital One 's cancellation of use of these two cards until I attempted to use one of the cards at XXXX  XXXX 's in Mid XXXX. I immediately went on line and could not pay my bill and upon calling Capital One, I was told that my cards were in stop status due to the bankruptcy. I advised them that the bankruptcy was a mistake and had been dismissed. In spite of my pleas with numerous calls to Capital One and writing to Capital One 's bankruptcy department, I received NO response. Capital was the ONLY company out of 4 credit cards that I own that did this. I had always paid all of my credit cards on time or early. Because Capital One gave NO NOTICE THAT THEY WERE PUTTING MY CARDS ON HOLD, the automatic payment to XXXX XXXX was not paid. On XX/XX/XXXX, my son was involved in an accident. Now, he was notified that his insurance was not paid. Both he and I were unaware of this because Capital One failed to notify me of what they had done. AGAIN, CAPITAL ONE IS THE ONLY COMPANY OF MY 5 CREDIT CARD COMPANIES WHO PUT THIS STOP ON MY CARDS. Because my son was involved in an accident without insurance, he will be required to get a restricted license for one year. My son has always had an excellent driving record until this problem occurred. ALL OF THIS GOES BACK TO THE POOR HANDLING AND THE LACK OF NOTIFICATION BY CAPITAL ONE REGARDING STOPPING THE USE OF MY CAPITAL ONE CREDIT CARDS. CAPITAL ONE SHOULD BE RESPONSIBLE TO PUT IN WRITING THAT THEY FAILED TO NOTIFY ME OF THEIR ACTION THUS CAUSING THE PROBLEM IN PAYMENT TO XXXX XXXX THIS SHOULD BE SUBMITTED TO THE XXXX XXXX XXXX, ATTN. Mr. XXXX XXXX, Claim # XXXX Phone # XXXX. Email : XXXX THEY SHOULD ALSO BE RESPONSIBLE TO NOTIFY THE DMV OF THEIR MISTAKE AND ASSIST MY SON IN MAINTAINING HIS DRIVERS LICENSE RATHER THAN HAVING TO DRIVE ON A RESTRICTED LICENSE.
Consumer complaint received 2022-12-30
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (MD)

I called and made a settlement payment to Westlake Financial of {$3200.00} on XX/XX/20. As of today, XX/XX/20, I have not been able to get anything in writing that the account was settled, nor have they updated to the bureaus this account is paid. On XX/XX/20, I received an letter that confirms the settlement agreement ( mind you this is two weeks AFTER I already made the payment ). I have called multiple times and keep receiving different answers but none of which are, we are mailing or emailing you a {$0.00} or settled in full letter. It has now been 45 days since I made the payment and when calling today, I was told on a recorded line that Westlake Financial will NOT be sending me a letter confirming the account was paid or settled. That I would just have to wait for it to update with the bureaus. This is causing me to not be able to close on my new home this week on XX/XX/20! I just have to provide the lender something in writing from Westlake Financial confirming the account having been settled and now having a {$0.00} balance.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

I have a TD Bank " home inspiration '' credit card that I make flat monthly payments on for a furniture purchase - the account was opened in approximately XX/XX/XXXX. My monthly payment is {$94.00}, and I have paid it every month without fail. However, I was assessed a late fee in XX/XX/XXXX and then, when I didn't pay that, another one.I found this out when received a letter from a collection department at TD Bank in approximately XX/XX/XXXX. I had been locked out of my online account and was simply paying the {$94.00} monthly installment. After I received the letter, I found out when I contacted customer service on XX/XX/XXXX that this was allegedly because I made my XX/XX/XXXX payment " too early '' so it was credited to XX/XX/XXXX. When I pressed, the agent, she was unable to clearly answer what date was " too early, '' but told me they would waive the original late fee. I asked for the subsequent one to be waived as well and, after speaking with a supervisor, she said she could do that. She advised me to pay the {$94.00} that was still showing as outstanding ( since the installment payment I had made went to principal ), and I agreed to do that right away, and made a payment on my TD account website that night. When I checked my account again a couple of days later, it still showed that I owed {$62.00}. I sent a message on XX/XX/XXXX through the TD account website, and received a message back saying that a {$38.00} late fee was being reversed for me as a one-time courtesy and that I should allow one billing cycle for it to show. I was concerned that I was going to be assessed yet another late fee so, on XX/XX/XXXX, I made a payment of {$62.00} to try to XXXX out whatever was going on with the account. I then also made my usual {$94.00} installment payment on XX/XX/XXXX. However, when I looked at my account today, I have been assessed two more late fees - one on XX/XX/XXXX, and one on XX/XX/XXXX, both for {$38.00}. At this point, I have made not only an extra {$94.00} payment, but have also paid {$62.00} in late fees that should NEVER have been assessed, since the only thing I ever did " wrong '' was make a payment too soon.
Consumer complaint received 2024-04-24
Product: Credit 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. (GA)

On XX/XX/XXXX a dispute was approved for {$83.00} and a letter was provided by Macys/ American express credit card. however this money was never refunded or adjusted to my account because they failed to add this credit on time. Letter states " {$83.00} dispute amount - XX/XX/XXXX We issued a credit for the above amount ( s ), as well as any associated adjustments to fees and interest charges. These will appear on your statement within XXXX billing cycles. 
We now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed. '' However they never refunded this amount. I have been calling them since XXXX to get this fix ; but their customer service personnel kept me on the phone for hours without solution. On XX/XX/XXXX another Cust service Rep re-open my claim but now Macys/ American Express rejected my claim arguing that it is too late... 
Letter states " Why we're writing you... Thank you for your inquiry regarding the charge made at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$83.00}. 
Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. 
We now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed. '' They are abusive, take advantages of customer like me because I am XXXX. I pay my bill on time and have a great XXXX XXXX.
Consumer complaint received 2020-06-15
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. (MA)

I had this App XXXX on my phone, I made all the payments and wanted my account closed indefinitely once the loan was paid off. So, I called the company and requested to have the account closed they told me I needed to do the final payout on the app so I did. The amount was {$370.00}, I had it taken out of my account the same day on XX/XX/2019 the full amount posted to my account on XX/XX/2019. From there that account should have been in good standing and closed, there is a section on the App that still had leftover money in the form of " investments and cash ''. I tried to withdraw my cash and that is where the problem started. It wouldn't let me withdraw what was left over, it was {$76.00} in investments and {$2.00} cash. I then reached out again to support and they claimed that I needed to pay the membership fee to withdraw the money and I said no I don't my account should be closed, they then reported the FRAUDULENT FEE to my credit report of {$41.00} which now shows {$45.00}. 

They are SCAMMERS. I do not owe them any money, I demand the {$78.00} be mailed to me in a check and this account and any negative information associated with it removed from my credit report. 

I disputed this account with XXXX, Experian, XXXX, and XXXX  and they all came back verified, even with the proof that I have. This is why I am writing this complaint now. None of the companies actually did an investigation, because if they did they would know this is a SERIOUS ERROR IN REPORTING from the XXXX   scammers!!!!! Many people are going through the same thing and this should be investigated. I should not be going through this over a year later. I have disputed these charges time and time again with no resolve. I have proof of payment and this account should be REMOVED from my CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

Despite my efforts to rectify the situation, fraudulent accounts persist on my credit report, causing confusion as to why only XXXX of the disputed accounts has been removed. These inaccuracies have a significant impact on my financial status and reputation. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. Additionally, the banks have already agreed to delete these. Not sure why theyre still being reported. Ive talked to each bank, they have my FTC Identity Theft report on file and informed me these accounts would be removed in XXXX days. Not sure why theyre still reporting. I urge you to promptly delete the following accounts from my credit report, as other credit bureaus have already taken action to remove them after discovering errors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I had this App XXXX on my phone, I made all the payments and wanted my account closed indefinitely once the loan was paid off. So, I called the company and requested to have the account closed they told me I needed to do the final payout on the app so I did. The amount was {$370.00}, I had it taken out of my account the same day on XX/XX/2019 the full amount posted to my account on XX/XX/2019. From there that account should have been in good standing and closed, there is a section on the App that still had leftover money in the form of " investments and cash ''. I tried to withdraw my cash and that is where the problem started. It wouldn't let me withdraw what was left over, it was {$76.00} in investments and {$2.00} cash. I then reached out again to support and they claimed that I needed to pay the membership fee to withdraw the money and I said no I don't my account should be closed, they then reported the FRAUDULENT FEE to my credit report of {$41.00} which now shows {$45.00}. 

They are SCAMMERS. I do not owe them any money, I demand the {$78.00} be mailed to me in a check and this account and any negative information associated with it removed from my credit report. 

I disputed this account with XXXX, XXXX, Transunion, and XXXX  and they all came back verified, even with the proof that I have. This is why I am writing this complaint now. None of the companies actually did an investigation, because if they did they would know this is a SERIOUS ERROR IN REPORTING from the XXXX   scammers!!!!! Many people are going through the same thing and this should be investigated. I should not be going through this over a year later. I have disputed these charges time and time again with no resolve. I have proof of payment and this account should be REMOVED from my CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2020-06-15
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: EQUIFAX, INC. (MI)

I submitted documentation to the three credit bureaus in XXXX involving fraudulent accounts on my credit report that do not belong to me.I didn't hear anything back from them, so I submitted a FTC report as well as filed a police report with the XXXX police ( # XXXX ), and I still have not got a response from them or anything and it is now XXXX. Below are the fraudulent accounts. 

DEPTEDXXXX XX/XX/XXXX {$2400.00} DEPTEDXXXX XX/XX/XXXX {$5500.00} DEPTEDXXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00}
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Mr. Cooper/Nationstar bought our mortgage in early XXXX. Our account has been in escrow since XXXX. 
Previous lender was XXXX mortgage. We have not been able to get XXXX to take our calls. 
On XX/XX/XXXX, I went to make my mortgage payment online and learned my payment increased by {$780.00} monthly. Ive called the mortgage company several times and they continue to tell me my taxes have increased. 
On XX/XX/XXXX I submitted all tax records and a statement from our town indicating that our XXXX school taxes were not paid. This was an error on the mortgage company because again we are in escrow. 
Mr Cooper refuses to help us and is now destroying our credit. 
Please help.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX, I set-up a bill pay to my mortgage. The Serve card gave me a date of XX/XX/XXXX on which the bill would be paid. For some reason, this date was changed on their end to XX/XX/XXXX which will cause a late fee if {$40.00} to be assessed. 
My mortgage company representative suggested I cancel my bill pay and pay my mortgage over the phone which I tried to do. 
Lo and behold, instead of refunding the bill pay, this despicable organization won't return the money. 
Now, I have spoken to 7 different persons to resolve this. It is XX/XX/XXXX at XXXX XXXX
Consumer complaint received 2022-12-30
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. (TX)

Account Name : XXXX XXXX  Account Number : XXXX You are reporting inaccurate and incomplete information on my credit report for the account above. The notation of the late payment on this account is inaccurate. 
I request to be provided proof of this alleged item, specifically proof that this payment was in fact late. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of this payment being late, please update my payment history to current and my status to paid as agreed and never late. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX, TransUnion, and XXXX are working together by not updating proper credit scores for the client. XXXX XXXX XXXX has been helping over 2 years the credit score barely changed in two years. I mean a very minimal change from all 3 agencies. 

I can get a car, a home, a loan, anything, not even a credit card. Yall need fix and update this XXXX immediately.
Consumer complaint received 2020-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

A few years back I was speaking to an attorney about saving my house. I was advised to file a bankruptcy to help me not get evicted. However the attorney did not tell me that even though we are not completing the BK, the line item will negatively impact my report. 

Out of desperation I listened to the attorney. Without needing to apply for my credit, during this pandemic I find myself going through a difficult time. As a XXXX XXXX, XXXX XXXX XXXX is stating they will not help my XXXX because I have a bankrupcty. 

I have contacted the court and they sent me a memorandum advising very clearly the US Bankruptcy Court does NOT report to the credit agencies. The memorandum goes on to state the court does not have any affiliation with the credit bureaus. 

I wish to have the history of the BK removed from all 3 credit agencies. XXXX, XXXX, and Equifax. 

I have disputed directly with the credit agencies. I have confirmation numbers to prove I have leveraged the Fair Credit Reporting Act. I do not know how this account reported to my report but it seems they are not permitted to report and it seems they may have went to a third party to report this negative history. 

Thank you for helping me in any way. The credit agencies say they contacted and received validation, however when I contacted the court they stated they never received any notification. 

Please help me get this PPPL approved by removing the bankrutpcy. My life and my employees lives depend on it to keep going during this pandemic. 

Thank you XXXX XXXX
Consumer complaint received 2020-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A few years back I was speaking to an attorney about saving my house. I was advised to file a bankruptcy to help me not get evicted. However the attorney did not tell me that even though we are not completing the BK, the line item will negatively impact my report. 

Out of desperation I listened to the attorney. Without needing to apply for my credit, during this pandemic I find myself going through a difficult time. As a XXXX XXXX, XXXX  XXXX XXXX is stating they will not help my XXXX because I have a bankrupcty. 

I have contacted the court and they sent me a memorandum advising very clearly the US Bankruptcy Court does NOT report to the credit agencies. The memorandum goes on to state the court does not have any affiliation with the credit bureaus. 

I wish to have the history of the BK removed from all 3 credit agencies. Transunion, XXXX, and XXXX. 

I have disputed directly with the credit agencies. I have confirmation numbers to prove I have leveraged the Fair Credit Reporting Act. I do not know how this account reported to my report but it seems they are not permitted to report and it seems they may have went to a third party to report this negative history. 

Thank you for helping me in any way. The credit agencies say they contacted and received validation, however when I contacted the court they stated they never received any notification. 

Please help me get this PPPL approved by removing the bankrutpcy. My life and my employees lives depend on it to keep going during this pandemic. 

Thank you XXXX XXXX
Consumer complaint received 2023-01-20
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. (GA)

The following inquires were not approved and I do not recognize the accounts. 
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 2023-05-27
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (WA)

Wrongful Miscellaneous Incidents reported on my background check it is reported on the day I got  filled for my new license online from XXXX so how did could there already be accident reported on it because I didnt even get my license in the mail another week so this is wrongfully reported accident on my records OTHER XXXX  XXXX # XXXX XX/XX/2020 XX/XX/2020