davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I was logged into Experian and after that I logged into XXXX. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, two companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both Experian and XXXX stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with XXXX and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the state of Virginia and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!
Consumer complaint received 2017-09-29
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. (FL)

I was logged into XXXX and after that I logged into XXXX. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, XXXX companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both XXXX and XXXX stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with Equifax and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the state of Virginia and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!
Consumer complaint received 2017-09-29
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. (FL)

I was logged into XXXX and after that I logged into Transunion. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, two companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both XXXX  and Transunion stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with XXXX and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the XXXX XXXX XXXX and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX 2015 I locked a loan with Bank of America XXXX BofA XXXX. XXXX XXXX was the loan officer. The interest rate was 3.5 % and the APR was 3.519 %. On XXXX XXXX I was informed that BofA could not honor the loan interest rate that we locked on XXXX XXXX. They stated that they could do that days rate which was now 3.75 %. I cancelled the loan with BofA and moved to XXXX bank where I closed a loan at 3.75 % interest rate in less than XXXX weeks. 
I had moved to BofA from XXXX originally because XXXX had enticed me by stating that he can beat on the rate and closing costs. XXXX had offered me a 3.5 % interest rate and XXXX had stated he would beat them at the closing cost amounts and at least match the interest rate through what he called a 'competitive match ' situation where he obtained approval through his boss. There are supporting documents that show the 3.5 % interest rate lock. Also, XXXX received documents that day. I 'm unaware of what they entailed. Please let me know if you need more.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Years ago, I helped my elderly mother-in-law XXXX XXXX with some issues she was having with her credit card companies including Capital One. They were charging her a very high interest rates and had charged for services she never ordered. In order to talk to them about the account I was informed that I would need to supply them with a Power of Attorney. I prepared and mailed the POA to them. I then filed my complaints with the companies and with Senator XXXX XXXXXXXX XXXX office. As a result, some adjustments were made to her satisfaction, so my mother-in-law continued her relationship with the Capital One. Now fast forward 10 years or so, I had occasion to review my mother-in-law 's credit card statement and found my name listed as an additional card holder. I never authorized that they add my name to that credit card, nor did the primary card holder. When this first came to my attention, I called Capital One, ( this was 4-5 months ago ), explained the problem and asked that they remove my name immediately. I also asked how they were able to open an account without my permission. They were not very helpful in that regard, but said they would cancel the card. Today I checked my mother-in-laws statement again and found that my name was still listed as an additional card holder. I called Capital One again and spoke to " XXXX ''. I explained the problem and he promised he would take care of it. The only problem is, that they needed my birthday or the last four digits of my social security number. I refused to provide this information, but told him that I would confirm the last four of my social security number, if they provided it to me. He said he did not have access to this information nor did his supervisor. As a result he was not able to help me. I provided them with the primary card holder name XXXX XXXX, the last four digits of her credit card number ( XXXX ), my name XXXX XXXX XXXX XXXX the last four digits of the fraudulent card they opened for me XXXX XXXX ) and the zip code of the mailing address ( XXXX ). They were able to find the account with this information, but their insistence that I provide my personal information is where the process broke down. I never signed up for this card, so I not only want this card canceled, I would also like to know how they were able to add my name to her account. This sounds like the XXXX XXXX fiasco all over again. 

Primary Card Holder : XXXX XXXX Full Billing Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2015-10-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Empowerment Ventures, LLC (MO)

I have money missing out of m RUSHCARD ACCOUNT. THIS HAS BEEN GOING ON SINCE THE XXXX OF XXXX. I AM MISSING {$300.00} FROM MY ACCOUNT. TRANSACTIONS HAVE COMEPLETELY DISSAPPREARED. I HAVE BEEN TRYING TO CALL AND AM DISCONNECTED ON EVERY CALL. I AM GOING TO XXXX XXXX SATURDAY AND NEED MY MONEY ASAP.
Consumer complaint received 2015-06-06
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Cottonwood Financial Ltd. (TX)

I have a debt I can not currently pay. In order to stop their continuous calls I sent a certified cease and desist letter in accordance with the law that was received on XXXX XXXX, 2015 at XXXX per the post office ( electronic receipt ). A day later and on they are still calling me repeatedly.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I did n't no what option to select from above in regards to my complaint. My issue is with my XXXX XXXX charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from XXXX XXXX last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. XXXX XXXX did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the XXXX credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to XXXX XXXX explaining again the whole situation and how this happened.
Consumer complaint received 2015-09-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. 
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.
Consumer complaint received 2017-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (CA)

I have been making automatic payments on my auto loan with TD Auto Finance since I purchased my vehicle last year. My payments have always been on time and in full. 
The bank account from which automatic payments are drawn was compromised, so I had to change bank account numbers. 

I disenrolled in automatic payments prior to my XXXX 2017 automatic payment and instead made a one-time electronic payment for my usual amount of {$300.00} on XXXX/XXXX/2017, my usual payment due date. The payment was incorrectly applied to " principal only '' and not to the actual payment due. I have been assessed a late fee of {$15.00}. 

I do n't know why my payment was applied to " principal only, '' but that was not my intention. 

I asked that the payment I made on XXXX/XXXX/2017 be applied correctly and that the late fee be removed from my account. The customer service representative explained he could make the request to change the application of my payment and to waive the fee, but he was uncertain as to whether or not this could be done. He refused to give me the contact information of the people who would actually make the decision. 

I have attached two documents : 1. my bank statement showing an electronic withdrawal of {$300.00} posted on XXXX/XXXX/17 2. my TD Auto Finance statement showing the correct payment on the correct date incorrectly applied to " principal only '' and not to " payment ''
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I did n't no what option to select from above in regards to my complaint. My issue is with my Kohl 's charge account. There was a major mix up with my payments as usually I make my payments with a rep over the phone and I agree to make that month 's payment plus the following month. So in essence I am paying 2 months in advance. To my knowlege I was current and up to date with my monthly payments. However I received a phone call from Kohl 's last month and was advised my account was late. I immediately made payment arrangements to catch the account up to date and under the credit line. I have agreed to this and they have received the payments as agreed upon. I asked the rep about my credit report as this account has always been paid on time and my credit is very important to me. I was told to dispute it with the 3 major credit reporting agency 's and they will respond to put the account back into satisfactory accounts. I did as they said and received a letter the other day advising me that it is reporting correctly. I am very upset with this because now this account is reporting in adverse accounts which is affecting my credit score in a very negative way. It is also showing that the account will go to a positive status in the year XXXX. This is not right. I explained that I do not want to pay 2 months in advance anymore as that 's what caused this problem in the first place. Kohl 's did not keep to there agreement. I have had this account since XXXX and shop alot at this department store but very upset that they will not advise the 3 credit reporting agency 's to move this account back to accounts that are satisfactory. I also requested paper statements instead of online banking because after this I do not want this to happen again. The account is current and up to date and below the credit limit. I am submitting this complaint because I was lied to and told that they will respond to move the account back to a positive account on my reports. I have also written a long letter to Kohl 's explaining again the whole situation and how this happened.
Consumer complaint received 2017-09-29
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)

On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XX/XX/XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XX/XX/XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.
Consumer complaint received 2017-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GREAT LAKES (KY)

I have been getting repeated calls from callers saying they are with XXXX XXXX for YEARS. I used an app on my phone to block the calls, but I switched to a new phone and now they are coming in. Every day they call, 3-6 times per day. For years I never picked up because the calls were blocked by the app, but they would leave messages saying they were from XXXX XXXX. 

I finally picked up this week. I told them that I did n't have any past due debt. They told me they were collecting for a debt owed to XXXX XXXX XXXX XXXX, but the person on the phone would not give me any more details about the debt. I checked my Great Lakes account and called them, and both online and on the phone they confirmed that my student loan debt was paid off years ago and there are no problems. I asked the person on the phone to stop calling and sent XXXX a cease and desist letter. I have of course never received any written information about the debt and they would n't give me any details on the phone.
Consumer complaint received 2017-09-29
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. (MA)

I 'm sure you 're aware of the Equifax breach, which was caused by inadequate data security measures ; I found out from Equifax 's website that my data was breached. 

I 'm sorry, but that class action suit results in about {$400.00} per person ( before lawyers take their cut ). One year of free credit monitoring does n't quite do it, either. And letting the CEO retire with his {$18.00} million pension intact just does n't feel like much of a punishment to me. 

I am writing to insist that Equifax be completely disbanded. I am not convinced of the need for any organization to have so much sensitive data about american citizens, much less the need to have three. Equifax has shown it is not inclined to keep our information safe, and that it 's not particularly penitent for its actions. It is doing very little to atone for the harm it has caused this country.
Consumer complaint received 2015-04-09
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

I was contacted by XXXX and they continued to give me a different money amount for my final settlement. I was never provided a signed copy of my judgement, signed by the judge, In addition, since I have paid off the final amount, they never sent me, after I called them many time, with a clearance letter. I dealt with XXXX XXXX and XXXX XXXX in their XXXX office.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CT)

I ordered a credit reporting product from EXPERIAN called credit check total. There was a {$1.00} fee which I accepted. Then AFTER signing up they informed me that after 7 days I would be billed monthly beginning on XXXX/XXXX/XXXX at {$29.00}. On the account itself they provided no convenient means of cancellation. They require you to call a number. The problem is that each time when I called yesterday I was told I would have to wait AT LEAST 1.5 hours to 1.75 hours to speak with a person about cancellation. I do n't have 1.5 at least 1.5 hours to sit around waiting to ask them to not renew my membership. So, yesterday I sent them an e-mail to XXXXXXXXXXXX with my membership information and requested that they cancel my membership immediately. Instead, this morning they charged me {$29.00}. I then attempted to call them to dispute the matter. The system said I would have to wait AT LEAST 30 mins. I thought at least I can make breakfast and do some chores while I wait. I waited for over 1.5 hours before hanging up! The goal of the whole practice of making you call seems to be to allow them to renew your subscription indefinitely because at this point I 'm not sure anyone actually answers their " customer care '' line.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IA)

Equifax 's website has been borderline inoperable. It is impossible for an individual to use their paid products in a timely manner. I have tried filing a dispute, but the website responds slowly, and occasionally it is so slow, my login times-out, requiring me to start over with what I was filing or managing. I ordered a week-long free-trial of a premium service on XX/XX/XXXX. I attempted to cancel the premium service for several hours on XX/XX/XXXX, and was finally able to on the same day.
I am unable to file a dispute, because when I go to submit disputes, I receive a 404 error page. 

In addition, I have not been able to access my free Equifax credit report for several years.