davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Contacted Kohls to set up payment assistance during covid pandemic in advance so as to ensure there were no surprising on my end with the understanding I could potentially be out of work for months. Company was offering two months they said they applied everything was good to go and I would have nothing to worry about. 


About 3 weeks later I get another bill and the original is still reflecting online as due plus a late fee. They said dont worry at all the system is very overwhelmed the re made a mistake I put it wrong and we would get it fixed. I left it alone then i received a 30 day delinquency on my credit. At this point Im fuming I call again again not one not teo but three people say the same thing your account is notated it is very obvious no payment is due rest assured you will be covered and any derogative rerouting will be fixed we are just in high demand. They said there appeared to still be some thing submitted in error so they were going to escalate to get rectified and they would add an additional month if need be for all of the massive inconvenience and many errors I agreed provided it was rectified expediently I again get a delinquent notice again I have to waste a hours calling in waiting on hold just to ask the exact same things. This time they say a deletion letter was sent to the credit bureaus on XX/XX/XXXX and it should be rectified timely. I keep in touch with the execs at the credit bureaus 3 weeks later no change I call Kohls back they say couple more days. Call back again they say letter was sent to my home I say ok Ill use that as proof open the letter and when I thought they could not get any more rediculous with the service and errors the letter says sorry everything is accurate thanks for being a customer. 

I have over 21 call logs, 8 letters, 2 certified and 4 emails that clearly show that not only should this account have been enrolled in this coverage and it was requested many times over and confirmed to have been the case I also have never been 30 days late ever. I changed the due date with you and you XXXX  that up and still reporting as such to this day and now this. Because I had two credit lines decreased as a direct result of this account and this error has caused me significant financial and moral distress I dont appreciate i didnt go out of my way to put in all the effort to get XXXX  over be told its being rectified for months repeatedly and then receive a letter that states it accurate no scam artists it is not
Consumer complaint received 2020-07-09
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. (CA)

I applied for a loan today XX/XX/20 and I was not approved because of an account called XXXX Card for a a balance of {$11000.00} reflecting badly on my credit history. I didn't know this account was even on my credit report before today I'm not they type of person that checks their credit report regularly. This account is not mine ; It was not opened by me and I never allowed anyone to open it in my name so I don't know who is responsible for this account. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payments towards it. I already filed a police report regarding this account.
Consumer complaint received 2020-07-05
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$2100.00}, {$5500.00}, {$2200.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (AK)

I began to receive calls at my cell number from a variety of phone numbers regarding student loan debt for a person with a name similar to mine. Callers would leave a message about 3/4 of the time, stating they were calling from Navient ( with whom I have no accounts ). 
On XX/XX/2020 I called Navient at XXXX and spoke with XXXX, customer service number XXXX. I explained that I have no customer relationship with them, and requested that my phone number be removed from their system. She asked for, and I provided, the phone number. She stated that the number was removed and I should expect calls to cease within 24 hours. 
Since then ( today is XX/XX/2020 ) I have received at least two dozen calls and voicemails, again from various numbers, purporting to be from Navient and requesting callbacks from me. Although I have blocked each number, I do receive an alert each time a blocked number calls, and I have to listen to the voicemails to verify that they aren't relevant to me. 
Phone numbers that have called and left messages claiming to be from Navient include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I believe this constitutes unlawful harassment on the part of Navient or their agent.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is reporting inaccurate late payments for the account XXXX. This is false. The account was closed by Capital One on XX/XX/2019. This is the same time period that a Federal Judge notified Capital One that a Bankruptcy stay was dropped and the case was dismissed. After Capital One was notified by the court that these proceedings ended, Capital One had a legal obligation to notify me of my current balance and a opportunity to pay any delinquency owed. They did not notify me even after a federal judge gave them my updated contact information and notified them that this would not go to bankruptcy. Capital One has violated my rights and has damaged my credit in the process by reporting information that is not true. The employees at Capital One made a mistake and improperly botched my credit score hurting my chances at buying a home. I demand that this item be removed from reporting moving forward. Capital One has had 10 months to properly contact me and settle any balances owed. They failed to properly process this correctly and I should not be held responsible for this.
Consumer complaint received 2020-07-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (GA)

ACS is reporting false information to the credit bureaus. This is my final notice. You have 14 days to remove this item from reporting or I will file a complaint with the Department of Education and File a lawsuit against ACS. This stops now. My loans went into Forbearance from XX/XX/XXXX until XX/XX/XXXX. All my loans were refinanced and consolidated in XX/XX/XXXX. You are reporting late payments for periods were a forbearance was given. You have even supplied documentation establishing my claim that this loan was never late. The loans were either in different or forbearance. While the loans were in forbearance your company continued to sell the loan from one company to another creating misinformation and data errors. I am not responsible for you bad management. This loan was never late. Either update the credit file to show that this loan was in either multiple def-ferments or forbearance or remove it from reporting. I will not ask again. You are violating my rights under the FCRA and you are violating the reporting agreement between servicers and the Department of Education.
Consumer complaint received 2020-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter off 60 days ago to all 3 credit agencies and havent gotten a response back I also sent out a 30 day comply and demand letter with no response..now by FCRA laws im supposed to recieved a reponse in 30 days and if not its supposed to be deleted off my credit report. I would like this matter taken care of so i can move forward with my endeavors.
Consumer complaint received 2020-07-05
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: WELLS FARGO & COMPANY (GA)

All of my information has been taking by hackers accounting to authorities. Since then I have been getting all sort of accounts on my credit report that do not belong to me. I am a victim of identity theft and trying to get this resolved from all 3 credit reporting agencies
Consumer complaint received 2024-12-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

For the months of XXXX and XXXX I have contacted Citi Bank about my Home Depot credit card and the remaining promotional balance of my account. I requested multiple times the amount paid go towards the promotional balance of my account. The request was taken and applied to my knowledge. As to verify and confirm, at the beginning of XXXX, I called Citi Bank to verify the total amount that would need to be paid to complete the promotional balance on my account. The representative gave me the amount of {$2300.00}, which I paid. Now in XXXX I see I was charged for the interest on the promotion. I called Citi Bank and they told me that the representative in XXXX must have misspoke because I still have an amount on my promotional balance of {$310.00}. I informed them that I have been very attentive on this and why I called in to verify my payment and that the promotional balance would be paid in full after my payment of {$2300.00}. Citi Bank refused to make any changes to my account to correct the problem and even went as far as saying I would not be speaking with anyone else on the matter and I would have to fax or mail a letter. I find this whole situation very frustrating and disturbing. The fact I hold up my end of the bargain and pay exactly what I was informed to pay and still be charged for interest that is 100 % avoidable is egregious. It feels very illegal and should be investigated.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Trans-Union regarding my credit file. Trans-Union further violated my rights by adding this incorrect information to my credit profile for others to see XXXX XXXX XXXX reported to the Trans-Unions that i applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit. 

My personal information on my credit report is inaccurate as well. I have requested to have my addressees, hone numbers, and names correct on my report this is a violation on my consumer protect rights.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IA)

I got behind on my mortgage, due to the loss of my job and ask for covid relief and stop payment I am behind on my payment for several months and my lender offer me forbearance, and my forbearance expire in XXXX, in the mean time my former wife 's attorney treating me to sell the house or refinance to remove her name from the loan. 

I do not know if is possible to refinance, because lack of the job and late payments, also I am XXXX years old and prospect of finding new job is not good. 

Please advise what to do? 

Thanks, XXXX XXXX
Consumer complaint received 2022-12-08
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. (DE)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (TX)

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/XXXX ( CREDIT LIMIT {$170.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XXXX ( CREDIT LIMIT {$170.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/XXXX ( CREDIT LIMIT {$170.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Consumer complaint received 2023-05-23
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-05
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: Experian Information Solutions Inc. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I have been making consistent payments of more than {$600.00} each month for the past 9 months. I have proof of each payment. Despite this, the loan servicer continues to report to the credit bureaus that I have not made a payment. However I have made a payment every month.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (OR)

XX/XX/XXXX, I XXXX XXXX XXXX moved from a " XXXX XXXX  '' managed low income apartment to another low income county managed " XXXX XXXX '' property. There was a case manager helping me pay fees and handle paperwork between both properties with full communication and address disclosure with forwarding information. 

Months later XX/XX/XXXX, after my move, I received a collections notice for {$55.00} for move-out fees from " XXXX XXXX  ''. The past due collections amount was due immediately to " National Credit Systems , Inc. '' I was fully reachable at the time of the move, and to pay the move-out amount due. At any time, XXXX XXXX could have reached through my case worker or at my new forwarding addresses. I had given them the address with my 30 day written notice of intention to vacate. 
I believe this was done out of negligence, and or fraud by both XXXX XXXX and the collections company involved. Getting any information or help from either of them was impossible. 

These actions did affect my credit and today, XX/XX/XXXX, I paid the full balance of {$55.00} online and will be watching to see if it clears my credit report. 

Additionally, my case worker and I made attempts to contact XXXX XXXX   only to be told the property manager couldn't handle it anymore, to call corporate, then told that I'd never provided a forwarding address causing them to have to send it to collections. That is all false!!!
Consumer complaint received 2022-07-13
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. (AR)

I submitted a complaint on XXXX ( XXXX ) in regards to inaccuarte/wrong information displaying on my credit report. Equifax responded stating they deleted employer XXXX XXXX from my credit file which they did but did not remove an address XXXX XXXX XXXX XXXX which is no longer accurate and is considered inaccurate and wrong information. I never lived nor do I currently reside at XXXXXXXX XXXX XXXXXXXX XXXX. Equifax stated this was verified. This is not a request for verification. This is a request to Removed Wrong and Inaccurate information from credit report which they are failing to perform for some reason. This inaccurate/wrong information is violating the Fair Credit Reporting Act and Equifax should be held accountable.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I've been trying to contact Experian to unfreeze my account for over a week. 

Its impossible to call in and speak with a person, very frustrating. 

I submitted my unfreeze request by mail over a week ago. 

If you force me to do business with this terrible companies the least you could do would have even a standard amount of customer service. These companies are useless, a identity theft liability, and use shady business practices and only exist because they have regulatory capture.
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

On XX/XX/XXXX Rmp, Llc placed a collection account for the amount of {$110.00} with a XXXX as well as XXXX and XXXX. Stating the original creditor was emergency specialist B. I have received a XXXX insurance benefit since XXXX due to a total and permanent XXXX. Both my medicare and medicaid insurance premiums cover 100 % of the cost attributed to emergency services. I have disputed this with XXXX XXXX and XXXX but the account remains. I am not liable for this account as it already has been paid for by insurance
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MS)

Navy federal credit union closed my account without warning because I was trying to purchase a car with my brother and friend while on a travel assignment. We sent each other money via member to member and the bank flagged it as suspicious activity which I can understand. I called the bank to explain what we were doing and why but the representative started screaming and didnt want to hear why I was using my own money. Ive never deposited any cash into my account and Ive never withdrew any cash from my account so I dont understand how its suspicious activity, but they treated me like a criminal. Im a XXXX XXXX and every dime in my account can be accounted for. All my checks come direct deposited so the bank can see everything. I have auto loans and credit cards with this bank and I dont understand why the representative treated me so badly. Ive never even missed a payment. I just want my account back.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.