davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — Store credit 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 (NJ)

On Sunday, XX/XX/2019, at XXXX XXXX  ( CST ) I used Kohl 's credit card to buy some clothing from Kohls.com. 
The order amount was {$68.00} ( Order # XXXX ),  charged to my card. A couple of days later the order was shipped to my address and I was notified so. 
Due to some technical error between Kohl 's and the carrier, the shipment was decided to be returned to Kohl 's and not to be delivered to my home! 
Since then, I have contacted Kohl 's so many times asking them to refund my store credit card. Each time they insist that I have to wait for the merchandise to be returned to their warehouse first! 
Again, it wasn't my fault that the carrier failed to deliver. I have already waited about 14 days since they charged my card. I see no reason I should wait further to get my money since they didn't deliver the products I ordered. 
Please help me get the refund back. 
I also authorize my husband XXXX XXXX to discuss the issue with anyone on my behalf. 
Thanks
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Hello ... My daughter and I has a Joint Account with this particular Bank..and shes also A XXXX In The United States XXXX ... On XX/XX/2019.. I deposited my XXXX   check mobile ... like I always do every 2wks ... I made 5 Transactions afterwards ... Then I checked my balance like always ... ... So ... The next morning XX/XX/2019 ... My daughter texted me and asked whom was this lady that XXXX my account ... I asked her what lady ... I dont know anyone by that name ... and that someone had deposited a couple of thousands in my account also ... and took hundreds out of my account ... There were Thousands of dollars deposited in my daughters account as well ... Do I asked her what is going on..so she called the bank and they told her the checks will have to clear ... So she asked about my account ... but they wouldnt give her any information ... so I called to see what was going on ... They told me the checks will have to clear before they can investigate ... and it will take until XX/XX/2019 to clear ... So ... I asked them what am I supposed to for 2wks ... that was 80-90 percent of my check gone ... ... So for a whole week I kept calling to see what was going on ... They still couldnt give me any information ... So..My daughter and I got on a three way call ... To talk to the manager or someone in the Fraud Department ... Theyre asking us did we give anyone our information ... Which was  insulting our intelligence ... Apparently my daughters and my Identity was stolen in order for this to happen ... and that bank is telling me I cant get my money back and it wasnt fraud ... so that left my account in a negative ... I seen some reviews on this banks site and there were some similar or the same issues happening to other people ... Im reaching out to ever Bureau, the police department, News affiliate etc ... Because this isnt right at all ... Hoping that something will get done ...
Consumer complaint received 2019-11-05
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. (TX)

XXXX XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2019-11-05
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. (CT)

A loan account with XXXX  is reported as sold to XXXX XXXX aka XXXX XXXX XXXX, a separate complaint was made against XXXX. The terms of XXXX  loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to XXXX XXXX, the parent company by the name of XXXX  replied to complaint which I copied below, their rep states record does not show any account with XXXX XXXX. There appears to be an error here which needs to be corrected, if not, remove account from credit file. 

XXXX  response : We are unable to locate a XXXX account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I opened an account online with Bank of America on XXXX I added my husband as a co applicant on same date he filled out the email they sent him to include him on the account. We were given access to the account app and provided an account and routing # which my husband quickly added to his XXXX XXXXXXXX and XXXX XXXX to make steady deposits because hes a barber. A few days later we received an email that my husband needed to fill out his paperwork emailed on XXXX or the account would be closed. He contacted Bank of America XX/XX/XXXX to advise them that he had already filled out this paperwork and we were unsure of what to do but didnt want the accounts to close. The rep stated that if paperwork was filled out disregard the email. We finally received debit cards on Saturday XX/XX/XXXX and I activated and used the card to make a payment on XXXX bills and to pay our cleaning lady. On first payment account was restricted. I call BoA and they said it was fraudulent activity confirmed I made the charges and lifted the restrictions. On Wednesday XX/XX/XXXX I go to my grocery store and utilize card and its declining, I contact BoA again and they tell me fraudulent activity but this time the card was closed completely and they would issue me a new one. Frustrated I hang up the phone on the guy, pay cash and walk out of the grocery store. I call back again to ask when this debit card is being sent and if we can put a rush on it and the new rep tells me my card isnt restricted my whole account is frozen. I ask why and they refused to tell me. I ask for a manager and they tell me the account is frozen and something about our identity. I ask what identity? Was this my husbands paperwork because we filled that out and they tell me they are unable to disclose and state i can open a new account. I say how can I open a new account with you guys when you wont even tell me why you closed this one?!? I ask when the funds will be sent and they said when the account closes. I hang up in frustration again. I call back XX/XX/XXXX as we opened a XXXX checking so my husband is able to take payments for his barbering and decided we will just wire the rest of the money from BoA to the new account. I call and they tell me that I am unable to do that as the account is frozen and i said ok can i go to a branxh and pull the funds and they tell me no I ask when is my money coming to me and they tell me the funds are set to he sent XX/XX/XXXX?!?? They may be able to do a hardship request so I can pull it from a local branch but it may not be approved and in the meantime I can not access MY funds simply because I opened an account with this branch and I am being given no information as to why? What happened?
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MD)

General Question : Why does the government allow Experian to charge for something called " file lock '' ( https : //www.experian.com/blogs/ask-experian/how-to-lock-your-credit/ )? It seems this company is intentionally ignoring the orders and laws of congress to provide identity protection through various means, i.e. credit monitoring, fraud alerts, and security freeze a responsibility of each of the three reporting agency. 

To the point, if you do not pay them $ XXXX {$29.00} a month Experian will leave your credit file unlocked and anyone ( including the hackers- hello, the bad guys!!!! ) who already have the a person ( s ) credit and identity information the result of previous credit bureau hacks can access your credit file information again. This is an outrage! How is this protecting people credit files??? 

It's quid pro quo, pay us or we release your credit file! This is very suspicious, please investigate!!! 

Thank you! 
A Taxpaying citizen, who has been repeatedly screwed over by my government officials who let these BIG companies go with a slap on the wrist!!!!
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This credit account has had issues with the credit card company posting monthly payments to the wrong months. have filed other cfpb complaints about this account. On XXXX XXXX was paid monthly ss XXXX payment for XXXX on XX/XX/XXXX sent in monthly payment for this credit card as i normally do. On Sunday XX/XX/XXXX checked to see if payment was posted. Payment was posted but posted on XXXX billing cycle that was paid on XX/XX/XXXX. Called the credit card comp on Monday XXXX XXXX at XXXX XXXX. Revived the same stonewalling that the account closing date was XX/XX/XXXX and not the XXXX of the month again and that the payment could not be moved. Told rep on the phone that if you look at the account i have filed more then one complate about this and the account is flagged and in dispute because of wrong payments being posted.
Consumer complaint received 2020-04-24
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. (TX)

I disputed the XXXX XXXX XXXX XXXX late payment claim with XXXX  Credit Reporting Agency. My records indicate that I made the XXXX payment on XX/XX/XXXX which was due on XX/XX/XXXX. I was not charged a late payment fee by this merchant. As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have spoken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.
Consumer complaint received 2020-04-24
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. (FL)

XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX {$750.00} XXXX   XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I noticed I had been charged two {$25.00} maintence fees, a total of {$50.00} ( Bank of America Advantage Monthly Checking ) for XX/XX/XXXX and XX/XX/XXXX. My minimum balance to avoid those fees was never lower than the required minimum. ( This happened once before a year or two ago. )
Consumer complaint received 2020-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

On XX/XX/XXXX at XXXX ; I spoke to someone on a chat line about the late fees. 
I asked them to relinquish the late fees because of unemployment due to the Coronavirus. I am a employee for a XXXX XXXX  at XXXX  XXXX XXXX. I filed for unemployment a month ago and have not received my benefit. I paid my mortgage this month with the stimulus check. I asked them to waive my late fees. 
They said no because the fees were waived in XX/XX/XXXX previously due to unemployment in XXXX XX/XX/XXXX.The school is closed for the winter break. They stated they could only waive it one time only during the life of the loan. 
.I am requesting them to waive all late fees during this 3 month period if I can't pay on time. Unemployment benefits have not been processed due to the volume of people applying. We should not be penalize because of the disaster that is worldwide..
Consumer complaint received 2020-04-24
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: EQUIFAX, INC. (GA)

The account was paid in full and not settled for less than the amount owed. I was advised that the account would be removed from my credit report once the payment was posted. The account is still reporting as a charge off.
Consumer complaint received 2020-04-24
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: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$230.00} XXXX-XXXX  XXXX {$1400.00} XXXX  XXXX  XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX/XXXX   XXXX {$83.00} XXXX  XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$330.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-04-24
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-04-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCE CORPORATION (WA)

Due to the Coronavirus, I have not been able to stay on top of all my bills. I make sure that my mortgage and utilities are paid, that is a given. But for a company called One-Main Financial has been harassing me on my debt which I have been paying at a very high interest. I agreed to pay 70 % of the payment last month and then this month they wanted the whole thing, which I was unable to do. I gave them again 70 % of the payment and they will not quit calling me to question on why I am not paying. What I get is " You said you would pay the full amount on the XXXX of this month, last month '' I said yes, until the virus caused a shut down on everyone and now we are all unemployed '' She went on to say " You said you would pay on the XXXX!!! '' I told her that I couldn't and would try on the XXXX. I also told her how rude she was being and I was tired of her calling and harassing me during this time. Today is the XXXX and I did not have enough for the full payment of {$540.00}. But I paid {$270.00} again. They are now blowing up my phone again. I am at least making an attempt and since they are not making their interest that is 25 % I assume this is why they are freaking out and harassing me. 

What rights do we have at this time during this epidemic? I live in Washington State. Not sure if laws are different regarding creditors collecting per state. I would have this conversation with One-main myself, but the female I seem to always gets is extremely rude and speaks to me as if trying to intimidate and or try and scare me to pay.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

Balance : {$1200.00} On XX/XX/2019, I notified Enhanced Recovery company in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Enhanced recovery Company refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Enhanced Recovery Company under the Dodd-Frank Act.
Consumer complaint received 2020-04-24
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX  XXXX {$190.00} XXXX XXXX XXXX {$230.00} XXXX-XXXX  XXXX {$1400.00} XXXX  XXXX  XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX/XXXX   XXXX {$83.00} XXXX  XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$330.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-04-24
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: EQUIFAX, INC. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX   XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (SC)

In XXXX of XXXX I checked my credit report and sent a Validation letter to IQ Data International debt collection agency. I also sent to each credit reporting bureau ( XXXX, XXXX, and XXXX  ) a dispute. IQ Data International sent me in XX/XX/XXXX a copy of lease from XXXX at XXXX XXXX, as their proof of validation. However XXXX at XXXX XXXX  no longer exists. In fact they were sold as of XX/XX/XXXX under document number # XXXX with the California  XXXX County Assesors office. XXXX  XXXX is no longer than owner. IQ Data International debt   collection is reporting that I owe XXXX  XXXX, when in fact I have never had a contract nor lease with XXXX  XXXX  nor owners. Once XXXX XXXX sold the building and XXXX at XXXX stopped existing, all contracts with said owners were void. Unless a new lease with new owner was to be signed. I did not sign a new lease with XXXX  XXXX, nor did I request or agree to be grandfathered into a contract. XXXX   XXXX  has no records of me. I have never had a contract with signature with this company. IQ International Data never gave proper validation to report XXXX XXXX  on my credit report. The lease was with XXXX at XXXX owned and that business was sold and closed, therefore any debt owed to that closed and sold company is void. IQ Data International is illegally reporting on my credit reports for a company that they did not properly validate and after producing improper forms, they have still not taken the report down after 2 full years.