davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I've been a Kohl 's store card holder for many years, probably at least XXXX or more. Kohl 's sent me an unsolicited Capital One Rewards Visa card in place of my store card I've had all these years. I was not given the option to opt out before hand, or even a choice. 

I do not want any accounts with Capital One, I managed to get all of my accounts with them paid off and closed and do not like having to deal with their customer service. 

I contacted Kohl 's about this issue and was instructed to call Capital One to have my card converted back to a store card. I could only do this if I had not made any purchases on the new card ( I haven't ). None of this was communicated to me, I had to go find this information. What if I had accidentally purchased something then found out I didn't have to keep that card? 

I had to call Capital One to correct what Kohl 's did to me. The Capital One representative kept trying to get me to keep the card by rattling off all the rewards and backwards threats, " If you cancel this, you won't be eligible for these offers '' etc. 

I have NO idea if they are going to transfer my credit balance back to a Kohl 's store card and more favorable interest rates or if they're leaving it on Capital One and my Kohl 's balance starts from XXXX, time will tell. All of this has been a horrible experience and feels very fraudulent/bait and switch.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-06
Product: Credit reporting 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. (CA)

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting 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. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2017-10-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NH)

I put an application in to Infiniti of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Former complaint number ( prematurely closed ) was : XXXX I requested credit reports online from all three major bureaus, XXXX, XXXX, and Trans Union. XXXX and XXXX  responded properly. 

Trans Union refused, saying it could not provide my report and I must request it via USPS, which I did. 

It then responded that it could not verify my address and asked for two pieces of proof, which I provided. 

It then responded that my report is " blocked, and that is suppressed. 

I requested your assistance. TU then demanded proof of my SSN and I provided copies of THREE documents showing it, including the actual SS card and one from TU itself some years earlier. 

As of this date, more than six weeks later, TransUnion continues its refusal to provide this report and has, in fact, not responded to my submission of SS number proof. 

I believe this to be a clear and blatant violation of the Fair Credit Reporting Act and am requesting your assistance in compelling compliance with the Act. 

Thank you.
Consumer complaint received 2017-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MS)

XXXX XXXX collections reported an account with the amount of {$490.00} on XXXX XXXX and XXXX XXXX of XXXX. I have never received any mail or proof of Validation nor Verification from the company before they reported this. I am requesting that they send ALL DOCUMENTATIONS THAT SHOW I HAVE A CONTRACT WITH THEIR COMPANY ( I need to see my Actual signature on these documents ) Also send me proof that they have spoken with me before reporting this account.
Consumer complaint received 2017-10-11
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. (MA)

I called the credit bureaus and the creditor when i founded out about this fraudulent account ( XXXX XXXX XXXX i was advised to get a police report to remove the fraud i did and disputed the information on my report. The account reminded and credit bureaus told me thats the way it is, but no thats not the way it is. I have attached my police report for proof of the fraud.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I recently experienced hail damage on my roof in XXXX when a storm came through XXXX. I filed a claim with XXXX XXXX on XX/XX/XXXX. After the adjuster came to the house a final report was completed and a check was issued and mailed to me. Per my instructions, I forwarded the check in the amount of {$6100.00} to my 2nd lien holder ( XXXX XXXX ) for endorsement after a couple of weeks of waiting, I called in to check status and was told that my mortgage had been service transferred to Bank of America ( "  BOA '' ) and that they had forward the check to them for endorsement. After waiting a couple weeks for the transfer to take place I started calling BOA to check status. Day after day, week after week, they continue to tell me that they were still receiving mail from XXXX and that they had n't received the check. After two months of waiting, BOA advised that it appeared the check was lost and that I should have XXXX reissue a new check. As such, I contacted XXXX and they put a stop check on the original check and reissued a new check. On or about XX/XX/XXXX, I received the new check and sent it overnight directly to BOA for endorsement per their instructions. I followed up a week later to check the status of the check, and was advised it was still in processing being endorsed and it should be completed within 2-3 business days. On or about XX/XX/XXXX I followed up a week later and was told the proceeds had been wired to XXXX, my 1st lien lender. So I called XXXX, and was told they had not receive any proceeds and that they did n't even accept wires. I called back into BOA, each time holding anywhere from 10-30 minutes for a representative. This time, I reached XXXX ( ID XXXX ) who advised that a check had been sent regular mail to XXXX on XX/XX/XXXX and I should give it 5 business days to arrive. After waiting a week, I called XXXX, and of course they had not received it. I called again a few days, later, still no luck. Finally, today on XX/XX/XXXX, after calling both companies twice to check status, I finally got XXXX ( ID XXXX ) at BOA to do more research and tell me that they had sent the check via XXXX on XX/XX/XXXX to XXXX. I confirmed the tracking number online and confirmed that XXXX XXXX of XXXX had signed for the package. It has been almost three months since the first check was issued, I still have no proceeds, I have had to reschedule the roofers twice, I have sustained additional damage to my interior due to holes in my roof and the subsequent rain storms that are now not accounted for in the adjusters report. I am beyond frustrated and desperate to get this resolved, but have no way to get any help and each servicer just keeps pointing the finger at the other. I have no other ideas other than to ask the CFPB for help.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XXXX XXXX and I am only responsible for the payments from XXXX XXXX XXXX. My credit score has dropped drastically.XXXX XXXX should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You
Consumer complaint received 2017-10-11
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. (OH)

XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down XXXX over XXXX points.
Consumer complaint received 2017-10-11
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Constar Financial Services, LLC (FL)

For a little over 6 months now, I have been receiving calls from Constar financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at Constar Financial, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her director both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of Constar financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company
Consumer complaint received 2017-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX XXXX XXXX although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.
Consumer complaint received 2017-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (KS)

Wakefield and associates of XXXX, Colorado, has been attempting to collect a debt from me for one year. I have never received proof of the debt in writing They have called me multiple times during the day and evening. They have argued with me and have said they do not need to send paper proof of debts. The collection reported on my credit report does not match the amount they are seeking.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My problem is with Bank Of America credit card payment features and their Automatic Bill Pay feature. Generally speaking the B of A on-line instructions are very confusing and I suspect intentionally ( as well as small difficult to read print ) making it difficult to understand what amount of payment is being applied which leads to payments and interest payments not a reflection the payor 's intentions. I had assumed I set up an automatic monthly payment of the full amount due on my credit card each month, but I had in fact unintentionally set up a minimum payment due schedule. The minimum payment due schedule would subject me to significant interest payments on the balance. I was able to correct the schedule, I think, but it took considerable time by phone to confirm. My complaint is that B of A has known of the confusion their on-line payment system creates but are slow to fix because they have benefited from penalty fees and interest payments. I suspect that the elderly are particularly subject to this confusion and that a check of records would reveal disproportionate fees paid by this, my, demographic.
Consumer complaint received 2017-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX, I saw a notification that on XXXX XXXX {$2500.00} was transferred into my Santander, bank account, using a mobile application, from an unknown institution. I also got notifications that my username and passwords were changed and that two new payees had been added to my account and that password had been changed a second time. In addition, 6 external transfers had taken place, a total of {$2800.00} I went to the bank that morning and was told not to worry, that if it had nothing to do with me, I would get refunded the money. The bank gave me a copy of the check and a transaction printout and told me to go and report it to the police. The police told me that they could not file a report as the bank had not given me enough evidence. 
On XXXX XXXX I went back to the bank and they told me they would file a fraud report and it would be investigated. 

On XXXX XXXX, my mother went to the bank as her ATM card was rejected and was told that her bank account, which had a balance of ca {$10000.00}, was frozen and it would remain frozen for 60-90 days until the investigation was over. If she wanted access to her remaining money she had to refund the {$2500.00} to cover the declined check. My bank account covered the remaining {$300.00} of the transfers. 

XXXX, in XXXX XXXX, was on the phone with the Santander Fraud Department who advised him to withdraw the money from my moms account including a fee of {$8.00} so that she could get access to her money. She had no choice but to agree. 

On XXXX XXXX, XXXX my mom called the Fraud Department and was told by the employee who told XXXX to charge my mom, that it wasnt the bank 's problem and when asked what her name was she refused to give her name and hung up. My mom called and reported the incident to a supervisor ( ref XXXX XXXX employee id XXXX ) and she was not very helpful or nice either. 

The banks guidelines are that one can only transfer {$1000.00} a day so it is strange that a un cleared check of {$2500.00} can be transferred out of the account the following day. 
I am convinced that we received such appalling treatment because I am only XXXX years old and we are XXXX and nobody really cared that I was the victim of a fraud. I have also reported the fraud to the institution who issued the check.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I experienced a XXXX XXXX and started noticing accounts being opened. I had forced XXXX XXXX  accounts, my tax relief money was being stolen from my XXXX  XXXX XXXX account and I had multiple XXXX accounts where people were using their food cards to purchase groceries in my XXXX account when I went into XXXX XXXX, they said I no longer exist in their internal system, after reviewing my information that I brought in hand. They were not informed of anything, so somehow I disappeared out of their system. I also have had a XXXX  XXXX XXXX account that account also no longer exists in their internal system. I am nowhere to be found not in any address that I live at that account, they were not informed by law or their banking institution either. I also no longer have an XXXX account that completely disappeared. These are all accounts in my name XXXX XXXX XXXX. I have reported to multiple agencies since my XXXX  of the identity and data breach that occurred into XXXX XXXX in XXXX. XXXX XXXX sent me papers stating that it really happened, I have reported to multiple government agencies, including the IRS. I have my XXXX tax season. I am still waiting on from the XXXX XXXX XXXX in XXXX California. The computer showed my taxes were finalized and dispersed. I had 10 sit downs with my tax lady, who had me XXXX  telling police my taxes were finalized and there was no need for me to be there. However? I dont understand how I am finally getting my taxes for XXXX and XXXX from the state controllers office and still no reprieve with my identity and theft issue. As well as no follow up with any government offices Ive reported to.