davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

In XX/XX/2019 my residence was sold and I had to relocate. I gave Kohls a change of address and have not received statements for payment. I went to the store a few times to make payments in person and to get my balance and was not given the correct balance as employees told me they did not have that information for me, so payments made in sotore to Kohls were not sufficient to amount owed, Therefore leading to late payments and insufficient payments being made at each time. I called to dispute this and paid my balance off in full, but was told they could not expunge this from my credit report. Now I am at jeopardy of loosing the loan I applied for purchasing a house for m and my family. I tried several attempts with Kohls via phone, in store and online to resolve this and no one seems to be able to assist me.
Consumer complaint received 2019-08-27
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-01-21
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. (WA)

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 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

The complaint against Wells Fargo Bank that gas been ongoing since XX/XX/2016. 
I have tried numerous times to resolve this matter to no avail. 
I have included all receipts, deposit slips, payment stubs, documentation of my numerous attempts to resolve this matter, an their never ending denial of their responsibility for this. They have changed the so called reason for the payment being applied, me being given a receipt for the payment, yet it was denied 2 days later. I have included letters of various excuses an also letters of Foreclosure to My XXXX yr old Dad, who lives on a fixed income an very ill. He has Always paid his bills an on time. 
This is not acceptable, as I stated The Original Complaint is Attached, i mistakenly deleted it while taking screen shots of all the documents, but luckily I screenshot the Original complaint as well, an it is the first screen shots sent. 
Thank you for your time an consideration.
Consumer complaint received 2020-01-21
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. (DE)

My complaint is with Equifax and XXXX  Credit Bureaus.I have verifiable proof from the agency ( Attorney General Texas XXXX XXXX Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 180 days late as is XXXX. Equifax says they verified it, but there is no way. the same is true of XXXX. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. It has hurt my ability to obtain credit. I have filed complaint with Equifax 3 times online always getting answer verified. And 2 times written to Equifax with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General XXXX XXXX account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports.
Consumer complaint received 2020-01-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (IN)

Had bathroom remodeled, company in Michigan finished XX/XX/2019. 
Monthly contract with finance company, payment due in 30 days after installation. 
1st bill due XX/XX/XXXX already added XXXX+ interest in less than a week. 
payments were to be XXXX, w/XXXX daily interest, I have always paid more to try to pay off early. 
contract says monthly, company says they charge daily interest. 
If I send in a payment to early they charge me a months interest for non payment for the month, and then when they post that payment they charge me interest " AGAIN '' the more I pay, the more interest they charge. They also have said on my CR report that they sold contract to a credit union, so who do I owe.
Consumer complaint received 2020-01-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: La Casa Bonita Investments (NY)

I have been with 1file.org for two years was going on three. Before coming to an agreement of consolidation, I asked did they provide the loan debt forgiveness program. I was told the positively offer loan forgiveness. I made a large first payment then {$39.00} a month. I recently received an email two months ago to not make payments to this company due to legal actions. Come to find out they wasnt certified to offer loan debt forgiveness. I made a payment {$150.00} for recertification which was due XX/XX/2019. This became an issue being that I was thinking I was moving forward with a process to clear up this debt. Now I am trying to figure out how to recover the money they took from me which could of just went towards my student loan.
Consumer complaint received 2020-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I deposited a check for over {$30000.00} on XX/XX/2020. I was given a funds availability date which was changed. It was then change the 2nd time and a hardhold was put on my account. I was told that the funds would be fully available on XX/XX/2020. Today when contacted Bank of America to find out why the funds were not available they said that they have not yet been able to collect on the funds and that the funds would be fully available on XX/XX/2020. They could not give me a straight answer and said that if the funds become available prior to that I should still expect that there would not be available to me until XX/XX/2020. This is over a 30 day hold on a check I have deposited 4 prior checks totaling over {$100000.00} from the same issuing bank. There delays are significant. I have confirm that the issuing back has in fact paid the check. And bank of America confirmed that it was not returned. It has been over 2 weeks and nothing has changed.
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

I have been paying every two weeks on my mortgage - In essence I am double paying 2 times a month the same amount {$1400.00} which is my understanding what is due monthly. On all payments, I mark excess to principal and spoke to the mortgage company multiple times to ensure that I was set up on bi-weekly payments. 

The still continue to hold one of my payments and do not apply payments but 1 time each month. 

The show me paying a total of {$26000.00} to them in XXXX when I actually paid {$36000.00}. 

The principal for my loan is {$1100.00} and escrow is {$960.00} ( {$2300.00} overpaid ). I have been making double payments for 5 years now and they continue to show me late and charge me late fees when I pay XXXX  monthly for 60+ months. The principal balance on my loan is {$220000.00} ( 18 years later ) - the original amount loaned was only $ XXXX in XX/XX/XXXX. 

In addition, they told me they modified my loan to lower my payment but just noticed that they extended my payments to XXXX ( originally XXXX ) without my knowledge nor consent. 

I asked an attorney to write letters asking for documents and explanation and still have not received any responses. 

My balance is no where close to what the amortization should be for a loan that I have been paying on for now 18 years. 

They are applying way too much to escrow, not paying my additional principal amount but suspending amounts, charge late fees, extending my payoff date and not responding to issues and complaints.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I AM A VICTIM OF AN IDENTITY THEFT AND SOMEONE PRETENDED TO BE AND THEY OPENED AN ACCOUNT AT DISCOVER FINANCIAL SERVICES. THIS ACCOUNT WAS OPENED MAINTAINED WITHOUT MY CONSENT. I HAVE TRIED NUMEROUS TIMES TO SEND MY IDENTITY THEFT REPORT, POLICE REPORT TO THE BUREAUS AND TO DISCOVER BANK DIRECTLY. I HAVE ALSO SENT THEM MY POLICE REPORT. I MA NOT REALY SURE IF THEY WILL BE ASKING FOR BLOOD TYPE. THIS IS A FRAUDULENT ACCOUNT, CHARGES ARE FRAUDULENT AND ITS EFFECTING MY LIVELY HOOD.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My wife has been diagnosed XXXX  XXXX, and I have taken steps to limit her access to funds, as XXXX XXXX is a symptom of the illness. 

We had two Capital One accounts together, ending in XXXX and XXXX respectively. I called Capital One and asked them to close the accounts because I knew my wife did not have the financial means to pay them, yet she would continue to use them. They told me the only way the accounts could be closed is if the balances were paid in full. I paid them both off in full. I was told at that time the accounts would not be reopened. 

However, my wife called them and reopened the accounts, and proceeded to use them to their limit without my knowledge, initially. Once I found out, I started making payments on them to the extent I could, and did not miss a payment until XX/XX/2019, because I was out of town. I got two 30 day lates on my account during XXXX. 

I called Cap One and inquired, and they told me that the accounts should not have been reopened, per their policy. ( the policy is on this website ) : https : //www.capitalone.com/support-center/credit-cards/close-account They admitted their error and closed the accounts AGAIN. 

However, I did everything I was supposed to do, yet their employees did not act in accordance with their stated policies, and reopened the accounts. My wife, in her heightened state, is very persuasive, but if Cap One had acted in accordance with their stated policy I wouldn't have had a balance after I paid the accounts off, and I wouldn't have late payments on my credit record. 

I am asking that the late payments be removed, and that the balances owed be erased, because the accounts were reopened without the company doing their due diligence in the matter.
Consumer complaint received 2019-08-27
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. (PA)

This is the 2nd time that XXXX has provided incorrect information to the credit bureaus on my mortgage. 
I am on the phone with them again, today XX/XX/19 They reported that my mortgage balance increased which is not correct. They have confirmed it is not correct and now want me to do the leg work to fix it.
Consumer complaint received 2020-01-08
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 {$1100.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account.
Consumer complaint received 2020-01-20
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: Experian Information Solutions Inc. (GA)

I am writing this due to non-compliance with XXXX, Experian and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Rushmore loan management is my mortgage servicer. I have incurred a large property insurance claim from a tornado impacting my home and rendering it temporarily uninhabitable. Rushmore 's handling of the claim is abusive, resulting in greater than one month of Rushmore holding funds after all documents have been submitted to them before releasing them to me with no compensation in the form of earned interest or offset to my mortgage principle ( for reference, Rushmore is currently holding a material amount funds equivalent to 20 % of my mortgage payoff ). Rushmore has made themselves difficult to reach by routing all customers through an IVR which forces them to listen to pre-recorded account statements for several minutes, at the end of which I may find out they are not even open and they terminate my call. Rushmore has sent a letter claiming I need to submit additional documents before they can release funds to my contractor, but Rushmore 's phone agent said this letter is incorrect and they can release funds ; however they have released less than 1/3 of the funds they are holding without giving any reason or process for me to have the other 2/3 of funds released.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Equifax and XXXX continue to report me as being late 18 times when I've submitted several times that this account with XXXX was in a hardship forbearance Hardship forbearance or deferred payment make me not liable for making payments during that time. 

During the time of the 18 months my account was in forbearance and not only is the actual late payments wrong but the amount of late payments are wrong - I only make payment once a month - So why do I have three XXXX loans on my credit report and each of them have 6 late payments My credit currently has 18 late payments from one account that I make on monthly payment on per month In addition to this, I was placed in forbearance by XXXX for the duration of those late payments and have submitted over and over again - This issues has not only caused me distress but caused issues with the ability to acquire things financially I've been addressing this issue for years now
Consumer complaint received 2020-01-20
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: HYUNDAI CAPITAL AMERICA (CA)

I leased a vehicle with Hyundai XXXX in the amount of XXXX. The vehicle was deemed a lemon and almost cause me and my family to be in a deadly accident due to the vehicle shutting down without any type of warning. I volunteerly surrendered the vehicle and reported it to the XXXX XXXX XXXX   where I had an unfair hearing due to Hyundai sending a retired employee that was no longer employed by Hyundai. I uploaded the proof with XXXX on XX/XX/2020 from Hyundais mechanics to prove that there was in fact an issue with the leased vehicle and I received a reply today stating the account information was updated. How can there be an investigation with a couple of days and not 30 days to fully investigate the information? The debt is past the 7 year statue of limitations and it needs to be removed from all three credit reports.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

My XXXX XXXX was current before I was in XXXX. However, when I was in XXXX my XXXX XXXX case was closed. I was not receiving income. How I am ordered to pay XXXX   XXXX why I am in XXXX? XXXX XXXX XXXX XXXX was fully aware of this. I was not responsible for paying XXXX XXXX   why I was in XXXX.
Consumer complaint received 2020-01-20
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (FL)

Transaction submitted twice by ( XXXX XXXX XXXX ) hotel on two different dates for two seperate amounts for two seperate rooms. The valid transaction for XXXX and the faulty charge for XXXX. I called hotel first on XX/XX/XXXX when transaction was pending, told to call my bank. Filed dispute/claim with my bank ( US BANK ) XX/XX/XXXX after transaction posted, bank submitted provisional credit after 10 days. Bank withdrew provisional credit months after, claiming to attempt to get ahold of me for further information. I never received a letter and had a new number at the time. No secure e-mails or anything in regards to the transaction. After going over statements I noticed the discrepancy of XXXX being withdrawn and was told I was outside of the window for dispute for the claim even though I had receipts for my stay and for the location I stayed at during the second charge. I was told to take the hotel to small claims court or call Visa by my bank. Visa doesnt handle issues with financial institutions because they dont withhold information of transactions. I called the hotel back and they submitted a refund for the full amount to a closed debit card. I have a receipt for the refund however upon calling the bank they still havent received the refund/credit to my account. I would just like to get the appropriate funds credited back to my bank account so I can move forward with my life. This situation has caused a financial strain on my life and should be resolved.