davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-24
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: Navient Solutions, LLC. (NC)

I sent in a Good Will Letter to Navient within 30 days they forgave me and deleted all of my late payments. Then the following month they took it back. I have proof that they forgave me then put the late payments back on my crew report. Please help me XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (GA)

The debt of {$570.00} was paid in XX/XX/2017. The light place reported it back to the bureau but did not delete it. I disputed said collection and they won't remove it from my credit report. One bureau has already deleted it from my report but experian won't. This is affecting me buying a house and I just want it resolved /deleted so my family can be under one roof again.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (AR)

XXXX XXXX XXXX My accounts with Edfinancial have been closed and paid in full as a XXXXXXXX XXXX XXXX and total XXXX XXXX since XX/XX/2022. I have never been late or missed any payments with Edfinancial. I have numerous letters from Edfinancial stating this fact. 

I have had over a dozen phone conversations with Edfinancial regarding getting my credit reporting updated since XX/XX/2022, in reference to correcting reporting to all three credit bureaus to indicate that this is fully paid off with a zero balance, closed and all payments on time. Instead of my credit bureaus being corrected, all three credit bureaus are receiving incorrect information from Edfinancial ( for the second month in a row ) stating that I am XXXX days late with XXXX missed payments and very high balances on both Edfinancial accounts which are closed. This has severely impacted my financial status from being able to conduct financial transactions to possibly impacting my credit with any current creditors. 

I am requesting that all three credit bureaus be corrected to show I am in good standing and on time with no late or missed payments and that the balances with both Edfinancial accounts are closed and zeroed out.
Consumer complaint received 2018-08-24
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: Monterey Financial Services LLC (TN)

placed in debt collection without proper written notice as per consumer protection laws collection service called but no written info until filed inquiry with consumer protection. it is difficult for me to converse on phone due to medical condition. plus to many phone scams. I need my credit report cleared or at least assurance that it will be cleared written and mailed to me, also did not receive copy of original complaint all I received from collection is a copy of a 14 year old contract I need current info from original deters contact info name fax number etc. also would need info on total amount was arrived at that I owe not just a statement but actual numbers so I can make sure this does not happen again. to put it in simpler terms who are you sending the money to when I pay you. look forward to resolution. will be un able to communicate for a few days medical treatment thanks
Consumer complaint received 2022-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Case number : XXXX 1. Date of the disputed transaction : XX/XX/2022 2. Name of the merchant : XXXX 3. The amount you are disputing : {$4900.00} 4. If any of the above is incorrect, please let us know. 

I was requested to fill out an incident form from capital one. I completed the form, and provided absolutely every bit of sufficient evidence required to ensure the proper resolution of the dispute. Ten days later, Capitalone emailed me saying that I did not complete the necessary steps and denied my dispute. I have been fighting this charge for over 3 months now ; this is ridiculous and there should be an impartial third-party intermediary here to further assist with this matter. The evidence that I provided detailed exact proof of how much I was owed from XXXX with additional correspondence proof between myself and XXXX supervisors. CapitalOne deserves to have an internal investigation conducted within their fraud investigation unit because they are corrupt.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

We signed up for the American Express XXXX card in XXXX under their promo to spend $ 3k to get 25k bonus points. We spent close to $ XXXX and didn't get the bonus. After several billing cycles closed, we contacted Amex to ask about the bonus and they told us to wait and that they couldn't open a case until after 6-8 weeks after the spending was met. We waited and then contacted Amex in XXXX and was told we didn't meet the limit because the promo we signed up for required $ XXXX spend and we were short {$190.00}. They misled us and caused us to lose out on the bonus that is worth at least {$400.00} in value. They said the welcome letter included the terms of the bonus and we've been a customer since 1995 and I have never seen any disclosure to the welcome bonus. The only disclosure we received is the fees. It's a shame that a company as AMEX would try to lure loyal customers to use their cards and then cheat customers out of their hard earned money and points.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello I Just Looked At My Credit Report And Seen XXXX XXXX XXXX Is Breaking Federal Law With Reporting Late Payments To Credit Reporting Agencies Which Is A Violation. Because Under 15 U.S. Code 1605 ( A ) If A Finance Charge Was Included Which Is The Sum Of All Payments There Should Be No Late Payments On This Account.
Consumer complaint received 2018-08-23
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. (WA)

I sent a first and second letter to Experian to dispute several unauthorized inquires on my credit report. The first letter was sent on XX/XX/2018, and the second letter on XX/XX/2018. Each response took 5-10 days ; however, they report that the inquiries were verified. I asked them to provide me a written authorization and any permissible purpose with the second letter, but they failed to follow the Fair Credit Reporting Act. I already contacted the creditors, and they were unable to provide me with any verifiable information. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a  consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2020-02-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION (VA)

ON MY XXXX CREDIT REPORT I AM MISSING MY LAST TWO CAR PAYMENTS ONE FOR XX/XX/XXXXAND ONE FOR XX/XX/XXXX WITH THE CREDIT BUREAU THEY ARE USUALLY A MONTH BEHINH WHEN THEY UPDATE TO THE CREDIT BUREAU. WHAT I DONT UNDERSTAND IS XX/XX/XXXX SHOWS A BALANCE AS {$20000.00} AND THE MONTH OF XXXX SHOWS THE SAME AS {$20000.00} BUT ON THE PRINT OUT OF MY ACCOUNT SHOWS A DIFFERENT FIQURE FOR THAT MONTH. SECOND ON THE RATING PART OF MY ACCOUNT IT SHOWS FOR XXXX DOES NOT SHOW A BALANCE THERE SHOULD OF BEEN A BALANCE SHOWING FOR THE AMOUNT WAS PAID WAS {$20000.00} WHICH SHOULD OF REFLEX ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX I HAVE SUMMIT MY CREDIT REPORT AND BOTH MONTH UNDER MY RATING NEEDS TO BE UPDATED TO SHOW PAYMENT FOR THE MONTH OF XXXX AND XX/XX/XXXX ON XXXX XXXX THAT IS THE ONLY REPORT WHICH IS NOT ACCURATE. ON MY XXXX  CREDIT REPORT IT SHOWS PAYMENT STATUS AS PAID SATISFACTORILY I MADE ALL OF MY PAYMENT ON TIME WHY DOES IT SAY THAT ON MY XXXX  REPORT ALSO CAN THEY UPDATE MY CURRENT ADDRESS WITH XXXX  ON MY CREDIT FILE. THE ADDRESS THAT IS LISTED BEFORE I DONT USE MY CURRENT ADRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX CAN THEY SENT THAT TO UPDATE MY CURRENT ADRESS WITH ALL OF THE CREDIT BUREAU.
Consumer complaint received 2018-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

Today I was garnished {$130.00} ( 25 % ) of my check and don't understand why. My payroll department emailed me a document showing a court order of {$2200.00} garnishment. I had never heard of Midland finding before and never had a credit with them, let alone a balance owed. I called Midland and they claimed to be a debt collection company and said if I hadn't been notified correctly that I have to take that up with XXXX Court House, that there is nothing they can do. I don't know how they can do this without proving this is my debt and never notify me of being sued. How is it they can just sue anyone for anything without proof?
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (WI)

You replied that XXXX XXXX  provided you with the public records. But in fact XXXX XXXX removed XXXX of this year and the courts don't report to any bureaus and pacer gives no social security number? I asked for the investigative report that was not given and I also submitted paperwork from XXXX XXXX  and twice you have mentioned this agency when you have not received any results from XXXX XXXX.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am having issues with inaccurate addresses on my credit file. 
Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These numbers are not mine please delete. 
Telephone Numbers Reported : ( 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 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you because I have found some information that is inaccurate on my credit report. 

The date-of-last-activity and date opened you are reporting for these accounts are inaccurate. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After doing so please provide me with an updated credit report reflecting the changes
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

=Kindly ensure the removal of inaccurately reported accounts from my credit file as mandated by FCRA 605B. Could you please review the documentation? The presence of these erroneous accounts is causing me distress.
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

I had a mortgage with Citizen 's Bank. I sold the house and closed on XX/XX/XXXX. IN good faith, I paid the mortgage for XXXX thinking it was close to the due date. It is now XX/XX/XXXX and they still won't refund me for the mortgage payment, escrow monies, etc. After charging prohibitive fees to tell the title company how much was owed, they sent the check ( ostensibly ) to the wrong address. All my official, formal documents including the post office change of address is for my Maine address. I paid nearly {$300.00} in closing fees and none of that covered them doing their due diligence in where my refund should be sent?? I have called about 20 times. I called today and was sent to three people. The last one just hung up on me. This is an inept and CORRUPT bank. I also sent a snail mail letter and I get nothing in response. This is criminal. I am owed more than {$3000.00} and it is nearly two months past closing. When you call the bank, it is a XXXX minute wait where they pound you with a message that all your problems can be solved by downloading their app.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made six separate transactions on XX/XX/18 of {$20.00}, {$100.00}, {$100.00}, {$60.00}, {$20.00}, {$50.00} with the denominations of {$10.00} for all the transactions and received the exact amount withdrawn, nothing less or over. The problem occurred on XX/XX/18 when Bank of America made five unauthorized withdrawals from my account of {$20.00}, {$50.00}, {$60.00}, {$100.00}, {$100.00} ( total of {$330.00} ) stating " Crossload XXXX  's in {$10.00} 's ''. 

When I called customer service and spoke to the Bank of America fraud department, I was told that the ATM that I used loaded {$20.00} bill denominations into the {$10.00} bill slot and they stated that I received the {$20.00} denominations instead of the {$10.00} denominations, which is untrue. 

I filed a claim against Bank of America and the first claim made was for {$270.00} ( out of the {$330.00} total ) and the second claim was for {$60.00} ( out of the {$330.00} ). The second claim ( {$60.00} ) was paid but the first claim ( {$270.00} ) was not paid due to the reasoning they used stated previously. 

In conclusion, I was only able to recover the {$60.00} out of the {$330.00} that was mistakenly taken from me by Bank of America. If the {$60.00} was paid to me, the rest of the money ( {$270.00} ) should be paid to me as well, as they were originally part of the same transaction.
Consumer complaint received 2018-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I contacted Capital One 's Spark Business Checking department at XXXX. I wanted to verify whether or not my old Spark Business Checking account was still valid and available for use. I was able to log into the account using my old credentials and saw there was a negative balance of {$280.00} I had since XXXX.The representative I spoke with that day advised me the account was still open and available for use. She offered me an option to order a new debit card, but I thought I had my old one so I declined. I updated my phone number, email, and address from XXXX to XXXX online as well. After confirming the account was in " good standing '' I provided my employer with the account and routing number for my direct deposit. 

On XX/XX/XXXX I couldn't find my old debit card and contacted Capital One 's Spark Business Checking department at XXXX to request another card be sent to me. The young lady politely confirmed my new address in XXXX, sent me a new card, and advised me the new card would arrive in 3-5 business days. 

When I did not have the new card by XX/XX/XXXX I called Capital One 's Spark Business Checking department at XXXX a third time to see if they were able to activate my old debit card. The young lady politely reactivated my old debit card and changed the PIN number for me. This was very important because I was scheduled to move into my new apartment onXX/XX/XXXX after sleeping in my car for 2 months. 

On XX/XX/XXXX I called Capital One 's Spark Business Checking department at XXXX to verify my old card was indeed active and was advised I would need to speak with another department to verify information before any incoming deposits. Upon speaking with the department, I was advised this was the collections department. I was advised my direct deposit would go into the account, but that after Capital One was paid their debt I would be sent a check in 2-5 business days with the balance. 

I completely understand the company wanting to collect their debt. I fully intended on paying it. However, I should not have spoken with 3 representatives before being briefed on the true status of the account. The account was by all appearances open, but per the collections department it was actually charged off. 

All I am saying is that I feel the company deceived me into believing I had an active account when in fact the account was not active at all. It was unfair of them to give me the idea that my account was available for use when in fact they were just attempting to collect a debt. The ordeal has caused a great deal of emotional distress. Yes, I will get the funds eventually, but I am hoping they still hold my apartment and I also hope my next direct deposit does not try to go into that account.
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/2021 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX
Consumer complaint received 2022-07-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Consumer Portfolio Services, Inc. (KS)

On XX/XX/XXXX my XXXX report indicated an active account since XX/XX/XXXX. I called service department for " CONSUMER PORTFOLIO SERVICES, INC. ; XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXXXXXX '' at XXXX and " XXXX '' said we do not have an account with them per our phone number and last 4 of social. Seeking to have this fraudulent account closed and expunged.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (NY)

XXXX fail to respond to my dispute. I have dispute on XX/XX/31 no update Ive called XXXX and they denied that they did not receive any mail however my mail was delivered and sign up its already been 30 days and there still has been no action. I also have copies of receipt to prove that Ive sent my dispute and they were signed for : XXXX  keeps Updating my information with properly investigation and refuse to send a letter stating how they validate the debt. I also filled a dispute with Experians And they keep updating my dispute without properly verification I ask for them to send me a proof of how my debt was validate and they refused to do it. FCRA and XXXX states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The credit bureau has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. Please do not " update '' or " verify '' this information again without doing a due diligence.
Consumer complaint received 2018-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (NV)

On XX/XX/2018 I received a call from Midland Credit ManagemenXXXX ( MCM ) the man would not identify himself and was calling my cell phone and asked for a friend of mine who does not live with me. I told him that this was not the person who he was trying to locate and he called me a liar. He was very angry and told me I owed him lots of money and if I didn't agree to pay him he was going to come to my house and kick my XXXX and burn down my house. I became very scared, I called my friend whom the caller was trying to reach to let him know of the situation. He notified the police in the town he lives in just in case there was an issue. I also called the police dept in the area in XXXX XXXX that the business is located. They said they couldn't do anything. 
I have no affiliation with Midland Credit Management. All my debt is current and nothing is in collection status. 
I called MCM and reported the call but I'm pretty sure that they will do nothing to stop this practice. These people didn't speak very good English. I was given this address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX