davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

To Whom It May Concern, I thought it would be easier if I copied what I sent to Kohl 's Office of the CEO. I don't even know if I have the best contact to be honest, but I feel severely harassed by Kohl 's Credit Credit Card. If I need to get the phone records to verify I am willing to do that! 
I understand losing my job for 3 1 weeks is my problem, but I haven't slept in 9 days as I started 3rd shift. I'm clearly a little behind, and trying so hard to be honest and catch up!! I called last Thursday to make a payment and was told current and all set!! It is not even a week later. If Kohls needs to put me in tears for a XXXX and a XXXX late fee I refuse to pay, then shame on them! a I will never shop at Kohl 's ever again. I don't they care, but I want them addressed for harassment!! My phone number is XXXX. Thank You! 

XXXX XXXX XXXX Good Morning, My name is XXXX XXXX and my Kohls Charge is # XXXX XXXX XXXX XXXX. I just had a whole email I was going to send thru the message center, but this needs to be addressed a little bit more up the ladder I guess. I recently lost my job for about 3 1 weeks. I know you could probably care less ( clearly ), but was pretty horrific for myself! I'm back to work 9 days and my guess is your credit card customer service has left 5 voice mails, called ( ALL HOURS ) from multiple numbers. I couldn't even block them all, and to be honest, I gave up!! 
So now that I'm back to work trying to catch up I can't sleep because the calls come in all the time. I started 3rd shift too. Also, if you check your ( recorded ) calls I did call last Thursday, and was told current!! Pull your calls and records and prove me wrong if you wish I don't really have ANY respect left for Kohls to be honest!! So, here it is Tuesday and all hours phone ringing. I did get a restricted call once at XXXX XXXX  EST, and I'm having XXXX research to tell me if it was Kohls!!! 
I will not pay your late fees nor will I shop at your store again! If I get one more phone call I will contact the XXXX XXXX XXXX, Federal Trade Commission and do some research on the Kohls Class Action Suit that was approved to move forward a few years back. What you're doing is out of line and harassment! Like I said, I'm not paying any late fees and I best not be harassed any more by phone. I will make your MUCH NEEDED XXXX this Friday. I also pray that restricted call wasn't Kohls Credit Card!! This is my email and I will respond. Your company had me in tears. Kohls should be ashamed!!! 

Respectfully,
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I filed the following complaint twice with Kohl 's and received the same boiler plate refusal to take action. 

I have had an active Kohl 's account in good standing since 2000. 
I have never been late. 
I make infrequent purchases. 
I pay with the Kohl 's auto pay feature. 
Kohl 's cancelled my auto pay feature, but not my account. 
My payment was not automatically made because of Kohl 's action Kohl 's reported me as non-compliant. 
Kohl 's action caused my credit score to be negatively impacted. 
Kohl 's refuses to accept responsibility for their error that hurt my credit score. 

My account is now current. 

XXXX XXXX XXXX
Consumer complaint received 2019-11-13
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: Experian Information Solutions Inc. (CA)

I am having problems getting the XXXX  30,60, and 90 days removed off my credit. I was not properly notified that XXXX or XXXX  XXXX  was going to report to credit report. I am XXXX so could not read the bills because not XXXX  and no one communicate over the phone. I contacted the bank multiple times one staff told me it is not there responsibility that I XXXX. I also called the automated system does recognized my ssn number and being forced to stay on phone for at least 45 minutes. 
I believe the company violated my rights because I am not properly getting accommodation for my XXXX. I reached out to the company over 90 day period and was told could not find my account.
Consumer complaint received 2019-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: GOLDMAN SACHS BANK USA (PA)

I applied in XX/XX/XXXX for an Apple Card, advertised as " A new kind of credit card. Created by Apple, not a bank ''. I never received an email confirming that I could not receive an Apple Card. My credit reports has notes on the negative accounts that should have been considered positively. I can not understand with artificial intelligence how algorithms advertise Apple products to me and my Cell Phone carrier since XXXX, offers me CREDIT to purchase any new smart device including Apple devices through it's lender, but APPLE  has received revenue from me directly since XXXX for my XXXX XXXX and XXXX and third party for 2 of the 3 XXXX  that I own have purchased, and I couldn't get a line of credit for even its cheapest accessory - XXXX XXXX. 

I just requested my credit report and received it last week and am requesting updates, edits and investigations. I applied for the card to grow my small business by adding helpful accessories to help me run my business and was denied and was not given correspondence to remedy or follow -up. All in the light of Apple and its lender discriminating against women. I am a women small business owner and minority.
Consumer complaint received 2019-11-13
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. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed
Consumer complaint received 2019-11-13
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: CITY NATIONAL BANK (NY)

When I applied for the CNB Crystal Card it was advertised as having a XXXX point bonus offer and I applied by the deadline for the offer. CNB then claimed I am ineligible for the XXXX point offer because they didn't process my application by the deadline for the promotion. They were too slow and that's somehow my fault. I was told not even to bother trying to hit the {$5000.00} spending for XXXX points, because all I would get is XXXX intro points for spending {$3000.00} in 90 days. This was deceptive advertising and should not have been allowed. A company shouldn't be able to delay processing of applications until its terms change to ones more favorable to it. Worse, XXXX XXXX informed me that I would receive the XXXX points once I hit the {$3000.00} in spend and the 90 day mark. Both of these metrics have been hit and they are telling me it will be another 4-6 weeks. In my view, based on these experiences, City National Bank seems to feel as though it doesn't have to honor its promotions, which is incorrect. City National Bank doesn't seem to think they need to advertise the actual product accurately either. I signed up and paid the {$400.00} annual fee only to have many of the most valuable perks stripped from my card mere months after they took their annual fee. CNB should have to provide the product they advertised, or at least wait until the end of the annual fee year to take away benefits that you have paid for. Worse still, they made these changes and are forcing customers who just opened the card to either close the card, which can cause a decline in credit score, or pay the {$400.00} fee again for a product that is significantly less valuable. Previously, employee XXXX XXXX confirmed, you could downgrade the card but they would not allow ME to downgrade it anymore. It's another example of the bank going back on its word. There are even problems using the card 's benefits now. For example, my AU card was registered with Visa for the free in-flight GoGo WiFi passes. The passes didn't even work on a XXXX flight and now CNB is saying it's up to Visa whether to credit the money. This is unacceptable, they should have to make the advertised benefits usable. Lastly, if you look at CNB 's previous responses to my prior CFPB complaints, they seem to be to be snarky and condescending. They do not present themselves as responses from a bank that takes their legal or ethical responsibilities seriously, which is clearly concerning.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-11-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had a credit card account with Bank of America ending in XXXX. In XX/XX/2019 I made a purchase from XXXX using this account. I returned the item to the seller and they promised to refund the total amount owed. I later learned that they did not refund the entire balance leaving an amount of {$4.00}. I did not discover this immediately since Bank of America enrolled me in paperless statements which I did not authorize. When I found out about the balance I contacted Bank of America to dispute it by that time the interest brought the account total to {$15.00}. They sent me a letter stating that they found the dispute in my favor but they failed to credit me for all of the interest charges accruing despite promising to do so in the letter ( copy attached ). They also erroneously reported my account as late to all credit bureaus for the months of XXXX 2019 and subsequently as a charge off. If this dispute was found in my favor then all of this is in fact erroneous. They have updated the balance to XXXX   with all of the credit bureaus but have not removed the late payments. I made many calls to Bank of America to ask them to fix this to no avail. I will note that I have always paid this account on time and I am asking for these errors to be removed. This account should show no late payments for any month and it should be reported as closed by consumer. I am asking that XXXX, XXXX XXXX and XXXX  files all be updated. I have disputed this will all of them and included the documents I attached to this complaint proving that this was all in error and yet they continue to report those erroneous late payments. You will also see where I contacted XXXX and they apologized for their error and delay in refunding the {$4.00}.
Consumer complaint received 2019-11-13
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. (FL)

I checked my credit and saw an account for XXXX XXXX  for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with XXXX XXXX  except a checking and savings account.
Consumer complaint received 2019-11-13
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)

I checked my credit and saw an account for XXXX XXXX  for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with XXXX XXXX  except a checking and savings account.
Consumer complaint received 2019-11-13
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: Waypoint Resource Group, LLC (CO)

I was looking at my credit report and I noticed I had multiple reports of of the same debt collection that I believe all show as negatives on my report. It happens multiple times as well as with multiple collection agencies. The dates, amounts and agencies are as follows : Waypoint Resource Group : in the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$170.00} on XX/XX/XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$1000.00} on XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX This one is the same as the first debt collection I have listed just under a different name and an earlier date : XXXX XXXX XXXX : In the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX It seems as if these companies wanted to hurt my score by reporting the same debt multiple times. As of now I have not been in contact with any of the agencies, this is my first step. I am hoping to get a better understanding as to what has happened and determine proper recourse from there. I could be wrong and reading things incorrectly, if that's the case I am sure you will let me know.
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC (NY)

I started a mortgage with XXXX XXXX XXXX on XXXX. 

XXXX XXXX XXXX on XXXX assign to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) Morgan Stanley purchased the 1st lien mortgage at the property located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( Mortgage ) on XX/XX/XXXX from XXXX XXXX. The borrower 's name at the time of acquisition was XXXX XXXX. XXXX sold the Mortgage on XX/XX/XXXX into the securitization trust, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The servicer at the time was XXXX. XXXX signs assignment on XXXX. 

So here is the question for you. If XXXX sold my loan in XXXX! From nortorized statement. HOW can XXXX assign it to a Mortgage backed Security in XXXX? 
I believe we have fraud and disgorgement.
Consumer complaint received 2019-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

My federal subsidized and unsubsidized student loans ( 6 total loans, 3 subsididized, 3 unsubsidized ) have transferred administration twice, and have been with Navient for a few years. I have religiously paid over the amount of my monthly payment after capitalized interest affected my account. However, the amount that I owe monthly increases every six months, and I am not able to get my online account to match the tax statements sent yearly. See below running total for XX/XX/XXXX alone - after logging in 4 times, my total balance has changed each time. When I have asked for a physical statement in the mail that showed my running balance over time, I received one that did not show my running balance. When I called to ask how my capitalized interest payments were applied, I was told that my principle amount was decreasing slowly, but steadily, and that my payments fluctuated based on the current market.

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-01-30
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: NRA Group, LLC (GA)

XXXX XXXX has a debt listed my credit reports ( XXXX-XXXX-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX MN XXXX Phone Number XXXX ThXXXX XXXX XXXX XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a National Recovery Agency listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account
Consumer complaint received 2019-01-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (SC)

On XX/XX/2018 my vehicle was involved in a fire from another vehicle which resulted in a total loss. When I called Santander to file the claim and inform them I eventually was told that yes I do have a gap insurance policy and that I was charged for that over the term of my loan. The phone call that confirmed that was on XX/XX/2018. I did everything I could to reach out to both the original car dealership " XXXX XXXX  XXXX XXXX '' located at XXXX XXXX XXXX, XXXX MD XXXX. The sales person was XXXX XXXX and was very dishonest at the time of the car purchase. The company went out of business and also the GAP Insurance company turned out to be fraud. At the time of purchase I was required to buy GAP to insure the loan by Santander. Now Santander is calling my personal phone, as well as, all of my family members to receive the balance of the loan even though I paid Santander over the course of the loan for GAP insurance coverage. They are harassing me and my family, and they will not accept blame or settlement for the balance even though I believe that is unfair. In addition they have dealt extreme financial stress to me because they are reporting the loss to the credit bureaus and causing additional financial stress on me, my wife and children. I've even spent hours on the phone trying to get someone at Santander to understand, and they continue to call and harrass me daily for the balance.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2019-11-13
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)

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX ) TO REPORT INFORMATION ON MY CREDIT REPORT THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

NEW YORK LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS SIX YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 



Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115  F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (AL)

XX/XX/XXXX. When i received notification from the credit bureaus that a negative account had been posted to my account. 

I explained the process that lead up to my cancelling my account with XXXX  XXXX XXXX and me receive errounoues and incorrect bills. I informed them of my contact with an XXXX XXXX XXXX agent explaining my confusion and dispute on the bills that were sent. As you can also see, the amount of the bills increased significantly, which totally confused me. The agent advised me to not do anything until i received updated information on the account and updated amount that I owed, if anything. That was in XX/XX/XXXX. I never received additional information on the account. I am assuming it was because I was not an active customer. So while I am waiting on information from XXXX XXXX XXXX, apparently my account was passed to a collection agency who reported my account as in collection, while I was in dispute and awaiting correspondency and validation from XXXX XXXX XXXX. I had no choice but to pay this amount today to DCI, the collection agency, because my daughter is trying to get into college with our parent plus and I am battling XXXX, so I didn't have many option. I am please asking you request XXXX XXXX XXXX and Diversied Collection Agents to remove this item from my credit report as I was not given the opportunity or correct information to dispute it. It was incorrectly reported. As you review the order/dates I received the following documents, you can see how confused and upset I was. I made the correct attempts to the company in the required amount of time to dispute the amounts. Reporting this as a collection account as an attempt to hurt me and my family was wrong