davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One absolutely refuses to help with my two accounts that are past due! I have several cards that are past due, and the companies have let me make minimum payments and took away ALL INTEREST FEES!! CAPITAL ONE REFUSES TO HELP!!
Consumer complaint received 2020-10-21
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. (TX)

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the  model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2017-08-07
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 (CA)

KOHLS credit card is reporting that I was 30 days late as of XXXX 2017,  but I have a statement from XXXX doesnt show that
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MN)

Ive received my government benefits onto the American Express Serve Card & my  account was immediately closed due to to sec 15 ( d ) which Ive never violated. {$11000.00} is whats sitting in my account still after two weeks & theyre saying its no way I can receive my money which is total bs!! I have bills to pay & kids to feed & to me it seems heavy that American Express does what they want to do with peoples hard earned money. If this doesnt get resolved Im going to the news with it & then to the president.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a second mortgage with Bank of America that was forgiven under a settlement and I had read that it should show on my report as paid and closed I received a letter dated XX/XX/15 this was going to happen. When I tried to refinance with my mortgage company they said it showed on my report as a short sale which created a big issue. Also when I get my free reports I do n't even see it on there but XXXX XXXX saw it. I need to get this fixed so it says paid and closed and not as a short sale or I will continue to have this issue. Thanks
Consumer complaint received 2021-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I applied online to get a 2 month extension for my car payment from Toyota Financial since I was unemployed due to Covid. I received an email to say I was not approved. I called and spoke to someone at Toyota after receiving that email regarding an extension for my payments for XXXX and XXXX it was approved. On my statements for XXXX and XXXX it shows {$0.00} due for XXXX and XXXX. I resumed payments for XXXX as agreed. Now Toyota says is trying to collect for XXXX and XXXX. I was reported to the credit bureau as late for XXXX and XXXX and they are trying to escalate recovery. I have called several times to ask to speak to a supervisor and they refuse to call me back. I am getting harassing calls from collectors and they are going to re-posess. They said that they can not go back and review the phone call because they dont have it on file anymore. They can not pull up the their own billing statement that they sent to me that shows amount due {$0.00} ( although I can pull it up on my online account ). I was told I could defer payment for 2 months, the statements reflected the XXXX due for those months. I have resumed payments for XXXX going forward. A supervisor refuses to call me back. They refuse to verify the statements that say XXXX was due for those 2 months. I am still unemployed due to Covid yet I have resumed payments since XXXX. I think it is deceptive and fraudulent to try to collect on something that I was told was deferred. Any assistance is appreciated.
Consumer complaint received 2020-06-02
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. (TX)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$950.00}
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

On or around XXXX XXXX, I received an e-mail alert from XXXX stating that American Express reported my credit card account ( Account # XXXX ) as being delinquent or late for 30 days for the month of XXXX, which is inaccurate on account of the fact that I pay my the minimum amount due by the XXXX of each month ( the billing due date ) and I would normally get an e-mail reminder from American Express stating that I have a new bill for my account prior to the XXXX. I immediately contacted XXXX XXXX XXXX at XXXX on XXXX XXXX to dispute the incorrect status on my report from American Express. On or around XXXX XXXX, I received an e-mail alert from XXXX stating that my dispute results were ready ; however, I noticed that American Express has not taken the proper steps to update my credit report and provide the correct status of my account from Late to Current. I then contacted the Credit Bureau Team at American Express on XXXX XXXX, XXXX at XXXX around XXXX XXXX and I was able to talk to two representatives on two separate occasions ( XXXX and XXXX ) who informed me that there was nothing that they could do regarding updating the status on my credit report despite the fact that I was informed by an American Express Customer Service Representative on XXXX XXXX at XXXX that I needed to contact the Credit Bureau Team to have my report updated. The American Express Credit Bureau Team representatives I spoke to on XXXX XXXX referred me back to the Customer Service Department at XXXX so they could be able to assist me with updating my credit report. Around XXXX XXXX, on XXXX XXXX, I contacted the Customer Service Department at XXXX and spoke to XXXX or XXXX who told me that I needed to call the American Express Credit Bureau Team to have the issue resolved despite my best efforts to explain that the Credit Bureau Team referred me to the Customer Service Department on two occasions. The bottom line is that I had been given the extensive runaround and no one from both departments could not resolve the issue. I have attached copies of my billing statements for XXXX, XXXX and XXXX and the billing statements clearly reflect that I pay my bill either before or on the due date, which is the XXXX of each month.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I used the Capital One app to send a payment through XXXX, which I thought was part of Capital One, since it is prominently displayed in the app as one of two ways to transfer money. The icons are " Transfer Money '' and " Send Money with XXXX ''. 

My Capital One account has fraud protection, which I have used before and it has been fine. 

For this scam, the person posed as a real estate broker renting an apartment. I met him and saw the unfinished apartment, and signed a lease starting the following month. The lease states that if the apartment is not completed by the move in date that I am entitled to a refund. It was not completed by that date, but when I tried to get my refund back, the scammer disappeared. 

I later found out that he used this same scam on 13 other people, and similar scams with others in other states, by doing some research online. 

I called Capital One to report the fraud and only then did I find out that XXXX is not part of Capital One ( despite being prominently featured as the way to send money in their app ). They advised me to call XXXX. 

I called XXXX and they told me their service should only be used to send money to friends and family that I trust. This is *absolutely not* something that should be included in an app from a legitimate bank, when the bank itself offers fraud protection, and so do other legitimate payment services like XXXX. That caveat should be VERY PROMINENTLY shown, if the bank is going to use XXXX, as they must surely be aware of the risks. 

**You should need to consent that you are voiding your fraud protection by using XXXX from within the app. ** But there is no such disclosure. 

Instead, Capital One just puts XXXX in front of customers as if it is a legitimate payment method. By withdrawing fraud protection without prominent disclosure, or by featuring a payment method that doesn't have fraud protection within a bank account that does have this protection, they seem to be complicit. 

I sent {$1200.00} on XX/XX/2019 and another {$1200.00} on XX/XX/2019, totaling {$2400.00}. That was most of my savings at the time, because it was supposed to be my next month 's rent + security deposit. 

Now all I have is the email address where I sent the money. 

I'm including my " Lease agreement '' and can also send my " Lease Release form '' if needed, which was sent before the person vanished. I can also reach out to the others who were scammed on this and ask them to report it here too.
Consumer complaint received 2023-01-30
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. (MI)

Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (OK)

Im trying to activate the card. Set up my account and created answer to a security question. Wrote down the answer exactly as I entered it. I did put a space in the answer but I didnt see any instructions telling me not to do that either. Ive done it on other apps with no problem. The app told me my card was locked and I have been unable to activate it either on the app, online or over the phone. The written documentation sent with the card instructs to do it any of those ways. Since it locked up, I attempted to get assistance from the number provided. It says a live agent will be available as soon as possible but I could not find anyway to get to a link who could help me with my locked card or activate it. It takes you through a series of unrelated links and tells me I will be charged for calling for my balance ( I know my balance, Im not calling to hear it ) and so I wait online for over 1hour and the line hangs up on me, then the over 2hrs until I cant stay up any later. So I check my account that I can log into and it has 3 charges of {$.00} each for something I was asking for ( balance inquiry ) and I still get not the slighted hint that I might get some help. So is two issues instead of one, its not the amount of money charged that bothers me. Its the lack of accurate information, live customer service 24/7 like they advertise on their website and the audacity to charge me for things on an account I cant even use yet. Either the mailed instructs or the phone number are wrong. And I called every number I could locate. I started this at XXXX and started this complaint when I located a link with your address on it after XXXX. Im not the only one going through this with this card company. PLEASE HELP!
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (NV)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (AL)

The following document attached with this letter is an FTC Report. This document is proof that I was victim an identity fraud victim. 

Your company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully. 

Please also be aware that any negative mark found on my credit reports for a debt that I dont owe, is a violation of the FCRA & FDCPA. Therefore, I demand that you permanently delete all fraud lent accounts that were opened as a result of identity theft. Along with the XXXX Police Report are copies of my most recent credit report receive by your company, highlighting all fraudulent accounts open AND inquiries made with my stolen personal information. I personally pointed out all fraudulent accounts to make it easier on you to process my request. 
Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$5000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

The outstanding Principal Balance of XXXX of loan number XXXX was paid off on XXXX. I have been waiting for something from Specialized Loan Servicing to take to the lawyer so that the deed can be switched over to my name since I am the executor of my mothers estate. But instead they sent me a stack of new mortgage payment statements. In XXXX they sent a Mortgage Payment Reminder, my wife contacted them but they refused to speak with her regarding this mortgage despite me giving authorization many times to speak to her, since I have to continually take off of work to contact them. Now I am receiving foreclosure statements, I can't understand how a mortgage be in foreclosure when in is paid off. I took off work again on XXXX and contacted them again to let them know that the loan was paid. Now I was notified that to close the loan they wanted more monies to close the loan plus late fees for the 4 months starting in XXXX, XXXX, XXXX, and XX/XX/XXXX, but nothing was due so how could I get late charges.
Consumer complaint received 2020-10-21
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. (TX)

A delinquent debt with XXXX XXXX  XXXX that has been paid off since XX/XX/2020 and the credit bureau has not updated its records or deleted the debt per the agreement with the creditor. The creditor sent the discharge of debt over to them on XX/XX/2020 after the payment cleared and it has been 90 days and the credit bureau still has not done its due diligence and is not in direct violation of my rights under the FCRA & FDCA. I have contacted the bureau by phone, website and mail and they still refuse to update my credit report.
Consumer complaint received 2021-03-29
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. (GA)

In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified  account as of today. Thank you
Consumer complaint received 2020-06-02
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. (CA)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 90 plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account was on XX/XX/XXXX. It would be impossible to be late on an account where no payments have been made since XXXX. Also, there is a new reporting date of XX/XX/XXXX. It is a violation of the Fair Credit Reporting Act to re-age an account and change the account number to report as current. The FCRA is mandated to report accurate account information on a credit report. This false reporting of a chargeoff account with lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NY)

first let me start by saying I do not owe anything that is in collections, I have had nothing show on my credit report as owing a debt, and I have received no notices in the mail regarding owning a debt that is in collections. This company Sequium Asset Solutions located at XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX repetitively call me and my mothers phones from spoofed local numbers when I do not owe anything that is in collections. When I called the number back, instantly there was a recording to state you were calling Sequium Asset Solutions and then rambled off a debt owed amount without even speaking to someone or confirming who was on the line ( isn't this illegal? ) once I was connected to a representative and I asked to not get phone calls anymore, they instantly hung up on me before I could even muster that sentence out of my mouth. This company also TEXTED my phone before with a link to collect debt, obviously I did not click this. I am concerned this is not a legitimate company, collecting on debts that are old/do not belong to people or are scammers. The calls have been going on for a week now and finally today ( XX/XX/2020 ) I have had enough. This " company '' uses very deceptive practices. I also noticed upon a quick XXXX search of this " company '', numerous people have stated the same or similar events.
Consumer complaint received 2020-06-02
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. (PA)

I am asking to provide me with verification of documents that clearly identified that the following collections accounts belong to me. I am asking you to get the correct documents. I have reached out to all of the following collection agencies and every one of them sent me one bill that it appears to be from a creditor that doesn't list anything but my name on them. That is it. It doesn't show a social security number, a contract or anything showing that I opened these accounts. Credit Reporting agencies are required to report factual information only. The reporting of non factual information is against the law. Please, Please provide me verification of these documents truly belong to me a I am getting nothing from these agencies but a bill with my name on it. That is unacceptable. If you can not get what I am begging you to get, please remove this information from my credit reports. I request this information for the following : 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 2020-05-05
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: Santander Consumer USA Holdings Inc. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.