davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Apparently, Kohls was taken over by capital one. i received a letter indicating i had a " new kohls rewards visa '' and that the " new earning power '' would start on XX/XX/year>. this mailer came with {$15.00} kohls cash. A few days later, i received a new bill from capital one/kohls telling me i owed XXXX with a new interest rate of 31.24 %!!!!!! THAT IS THEFT. First of all, i do not believe i owe this amount but i can not tell you for certain because they will not let me log in to my account. the last time i used the card I believe it was XXXX or XXXX for less than {$230.00} as I was purchase some on sale fiesta ware for my mom. i have been trying to access my account to pay any remaining balance immediately due to that insane interest rate. they are charging me interest rate while refusing me access to my purchase history, XXXX think they transferred an amount much more than what I actually owed and now they are charging me insane interest and won't let me access my account to pay off the small amount. when i called the number on the letter from capital one and asked that my last purchases be text to me, all they test me wasXXXX : interest charge {$16.00}, XX/XX/year> automatic XXXX and the same for XXXX. i then sat on hold to talk to someone who repeatedly told me he couldn't " find '' my last purchase for product and only could see interest charges. when i told him i absolutely needed my last purchase because I could not get into my account, he put me on hold, let me sit for XXXX minutes then disconnected me .when i try and access my kohls charge online i repeatedly get this message, " this user account is locked, please reset your password. '' i reset my password, and get XXXX same message. when i finally get in, it says, to access your statements connect your new card and will not allow this either. I want to pay off this amount, get a refund for at least the last month interest charge, and verify my amount owed. I did not have a XXXX plus balance on my kohls card. this is fraud being committed by a massive corporation. XXXX only knows how many people they are doing this to.
Consumer complaint received 2020-05-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

Below is the letter sent to EQUIFAX begining of XXXX and they still refuse to respond. 


XX/XX/2020 To : EQUIFAX XXXX. XXXX XXXX XXXX, GA XXXX Re : Not able to access my account/EQUIFAX refusing to verify my identification, and reporting in correct information. Then refusing to allow me to dispute the information saying they can't verify me. 

Im writing this letter because EQUIFAX will not allow me to access my credit file, I have provided all identification information online and over the phone and EQUIFAX claim you can not verify my identity. In addition, Equifax has caused XXXX to close my account because Equifax stated they could not verify my identification provided through the requested form 4506-T XXXX submitted. 

I called and spoke to an Equifax representative on XX/XX/2020 regarding this issue and was told that EQUIFAX doesnt have enough information to verify my identification. This I dont understand knowing that EQUIFAX is taking in and reporting out information on me. The representative said I need to send in a copy of my State ID/Drivers License and Social Security Card. 

I am aware of a breach of information in your system in the past and Im uncomfortable with providing this information, but EQUIFAX is holding my information under hostage, preventing me from getting approval for a of line of credit, impacting my credit score and now XXXX closing my account due to EQUIFAX neglect. 

Attached is a copy of my Drivers License and Social Security Card, as requested. I need access to my EQUIFAX account and I need EQUIFAX to provide the requested information that XXXX asked for so that maybe they will reconsider re-opening my account. 


Thanks
Consumer complaint received 2020-05-07
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: ALLY FINANCIAL INC. (LA)

There are several inquiries on my credit report from different companies. XXXX  XXXX XXXX especially. I have had an account with them since XXXX last year. someone is fraudulently trying to open accounts with my social security number. I have not had a reason to inquire about anything else since i got the account so i do not understand why there are several inquiries after the opening that are showing. XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX /XX/XX/XXXX/ XX/XX/XXXX / XX/XX/XXXX / XXXX XXXX XXXX all dates after the opening of my account that have been pulled for no reason. there are several for ally financial as well. this is absurd.
Consumer complaint received 2019-12-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX I requested a refund from a Paypal seller and was told it would be processed within 48 hours. On XX/XX/XXXX since I had not yet been refunded I was forced to open a Paypal Dispute XXXX. 

This dispute was closed to to an improper dispute format and had to be resubmitted again as a missing item case. This process took 2 weeks and resulted in my account being debited a negative balance. 

I've tried following Paypal 's format for disputing a transaction in order to be provided with the refund but it now appears as if my account will be sent to collections without being able to do anything about it.
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Creditors Connection, Inc (CT)

The lender sent a collector to my house 3 times in one week which I consider harassment. The paper that he gave me does not tell me who the original creditor is nor what the debt is for, I consider this gross harassment. Further they have not shown me any proof that the debt is valid or how they acquired it.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MI)

I made an online purchase from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1000.00}, their website showed " Free shipping and returns on all U.S. Orders '' ( see attached documents ). I received my purchase on XX/XX/XXXX and initiated an online return request. XXXX acknowledges my return request and stated must return must be shipped by XX/XX/XXXX. ( page 12 of my  attachments ). I shipped my return by U.S.P.S. on XX/XX/XXXX ( page 2 of attachments ). I contacted XXXX on XX/XX/XXXX for an update on my refund and was informed by email " we can no longer process any returns or refunds regardless of when it was received. I would advise you dispute the charges with your credit card company. '' I contacted Chase claims department on XX/XX/XXXX and filed a dispute. On XX/XX/XXXX Chase informed me that my claim was denied because they received information from XXXX that my purchase was " a final sale '' and was advised to file a claim against the merchant in court. I provided Chase with all the documentation to prove my purchase was not a final sale. XXXX received the returned merchandise well withing the return deadline and failed to return my purchase price. Chase received all proofs to support my claim and failed to credit the purchase price to my account. I requested a copy of XXXX response from Chase on XX/XX/XXXX, I was informed it was mailed on XX/XX/XXXX and I have still not received the merchant response. I contacted Chase claims department on XX/XX/XXXX again requesting relief and a copy of the merchant response. I was told by a Chase claims supervisor that I could get an emailed copy of the merchant response from my local branch. My local branch banker was refused access to the information and was told the information was confidential. Now, I have no other choice but to seek assistance through this agency.
Consumer complaint received 2020-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One refuses to interact with slecific third party money services. Many services use a service called XXXX to get information so consumers can use their product with ease. But some banks, like Capital One, are really dragging their heels in working with XXXX  to have issues resolved. 

Since first downloading XXXX in XXXX of XXXX, I have had these problems. My specific issue lies with the inability to link accounts on XXXX. I called and talked with both Capital One and XXXX in XXXX of XXXX. Capital One assured me they were working with XXXX  onna solution but it has been months. I have seen no news of " working together '' only a growing list of people experiencing issues with Capital One 's grip on financial information. 

I greatly enjoy the benefits of Capital One credit cards, but this specific head ache has me looking to switch to competitors simply for the freedom of my own financial future.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (PA)

I recently filed a complaint with Experian in regards to XXXX closed student loans currently only reporting by Experian from XXXX XXXX XXXX. In the XXXX dispute in XXXX Experian stated .... In regard to the student loan, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded with a request to have the account deleted from your credit report. The result summaries were sent to you on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 

in XXXX those XXXX loans are still being reported on my credit file when Experian stated in the previous dispute that the company asked for DELETION. 
i re- disputed this in XXXX XXXX and Experian stated ... You further indicate that you were informed that the student loans would stop being reported. You request that the student loans be removed. Regarding the tax lien, upon further research and investigation, we are in the process of removing the disputed tax lien from your credit report. At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you on XXXX XXXX, XXXX. 

how can they now say that it was verified as accurate if 2 years ago the company agreed to have them deleted? i supplied proof of the complaint and response. I also provided proof of the previous deletions. 

I BELIEVE THESE ACCOUNTS WERE DELETED AND REINSERTED AGAINST MY RIGHTS. ACCORDING TO FCRA If negative information is removed as a result of a consumer 's dispute, it may not be reinserted without notifying the consumer in writing within five days. It 's now been 2 years and i have not recieved such notice.
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OH)

Notice for Proof of Claim Account : DIVERSIFIED CONSULTNTS # XXXX**** To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (KS)

I made a large ( for me ) deposit at my bank on XXXX. Later that day the bank " adjusted '' my account by subtracting {$150.00} saying that the deposit was off by that amount. I specifically asked the teller that morning if my amount matched her amount because the deposit was over {$4500.00}. She indicated it did. I had XXXX handwritten deposit tickets filled out because I had more checks than would fit on one page. The bank is only able to provide me with a copy of one page ( front and back ) of my deposit tickets because they say they shredded the second page. Their excuse is that since its an individual account they are only required to send " down '' one page of a deposit ticket. I feel that they misplaced a check in the amount of {$150.00} and that 's why the deposit did n't ' add up. There is no way to tell though because I ca n't see the second deposit ticket. I was not told at the time I made the deposit that I needed to separate the deposit into XXXX separate deposits nor was I told that I could n't " run a business '' out of a personal account. I 've only been reprimanded after the fact for doing so. I 've been dealing with this issue and explaining it over and over to US Bank personnel and getting different answers/excuses. The first person I spoke to at the customer service number indicated that he would send me a form to fill out and the money would be deposited back in my account. Never received the form or the money. The second person I talked to at that number told me that the reason the money was " adjusted '' was because the check for that amount was a bad check and it bounced. I informed her that was not the case because I had recently had that happen and it was not handled in the same way. XXXX customer service reps both clueless representing this bank. I was then given the name and number of a district branch manager to contact. I called him and left XXXX messages without ever having a call returned. Then I received an email survey about my " experience '' with customer service. When I explained my frustration in the survey I did finally get a call ( the only positive of this situation - they actually do read the survey input ). Was told by this person that she understood my frustration with the whole situation and that she would look into it and file some sort of paperwork. It might take up to 72 hours to hear back. This conversation occurred on Thursday, XXXX XXXX and it 's now Thursday, XXXX XXXX. The lack of responsiveness and follow through from these people is frustrating. In the meantime I 've been talking with someone at the branch again and after some initial concern there was no follow up. I left XXXX voice mails for this person with no response. I finally called the main bank number and asked to talk to her today and finally reached her. Their response is the same - they do n't have to keep a second deposit ticket. I just want to get my {$150.00} dollars back. Can you please help?
Consumer complaint received 2020-05-06
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)

I was made aware of a total of six accounts & some inquiries reflecting negatively on my credit report on XX/XX/20 when I was denied from getting an auto loan. The accounts do not belong to me and I have never given anyone permission to open these accounts in my name. I have no idea who opened these accounts without my permission but I did not benefit anything from them such as money, goods, services, or any other benefit nor did I ever make any payments towards these accounts. I do not have any written/verbal contract with any of the companies I listed nor did I ever give them permission to access my credit history or personal information. I have filed a police report regarding these unauthorized accounts.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$XXXX} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-05-07
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. (TX)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$890.00} COLLECTIONS XXXX {$590.00}
Consumer complaint received 2023-02-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NM)

This is the second time I have applied for forbearance under the Cares act and the representative with whom I spent over half an hour in the phone with provided incorrect information or simply did not do their job. This is fraudulent. 
I called on XX/XX/XXXX and asked to extend my forbearance. I was told it was being processed. Unfortunately, their website is not up to date and its impossible to check if the work that Dovenmuehle says theyre doing is actually getting done. 
On XX/XX/XXXX I got a letter that my mortgage was past due. I called on XX/XX/XXXX and was advised the XX/XX/XXXX call I made resulted in nothing be done by Dovenmuehle. This representative advised that I shouldnt have applied for the extension until XX/XX/XXXX. I asked if that was something me as a consumer was expected to know or if I should have been advised by Dovenmuele. She apologized and said the representative should have reached out when he saw his error, but she could see that he did not. She stated she would submit the paperwork and I should call the following week to check up. I also asked her to reach me directly if there were any issues. She did not. 
I called again on XX/XX/XXXX and the representative state they are unable to see the status of my request and I need to call back later.

She also advised Im not eligible for forbearance because I had HelpNM pay some of the loan ( this is false informationanother complainthese employees of Dovenmuehle routinely overstep their bounds, providing false information, meanwhile the tasks that they should be doing simply do not get done ). 
The employee I spoke to on XX/XX/XXXX advised me I would have to pay everything back the day the loan exits forbearance and that if you get approved for payments through HelpNM that is a grant not a loan and you have to pay it back to the state. Both of these pieces of information are 100 % but providing customers with accurate information doesnt seem to be part of the job description at Dovenmuehle . 

Today i got a letter that I now owe on XX/XX/XXXX an amount t over {$150.00} more than my loan was before forbearance. Their math is all wrong and Im saving this document should I take them to court but Im sure they will lie again.

I tried logging in to see updated status as it has now been almost two and a half months since my initial request was submitted but apparently 2.5 months isnt enough time For them to update their online system. I ask : if it takes several months to update ( in fact my Forbearance from XX/XX/XXXX is not updated so 10 months isnt enough ) Their service reps lie and dont do their job. These calls are recorded and if CPFB chooses to do nothing I will look into a class action suit against Dovenmuele.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I paid off my credit card debt. Synchrony bank came up with a new debt which did not make any sense and insisted that I pay it. I had called about this misunderstanding in the past and they apologized and resolved it. However, they continued to send me emails asking for me to pay debt.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Select Financial Services, Inc. (VA)

XXXX  XXXX XXXX XXXX and XXXX  was paid in full in XX/XX/2019. They both had removed the fraud and wrongful information off credit report but now placed this same fraud and wrongful information back onto my credit report Im an XXXX XXXX XXXX XXXX war veteran that needs to buy a new home and this wrongful information is preventing me from buy a new home that will accommodate my war XXXX Please take appropriate actions against these to companies for malicious fraud actions these companies have taken in putting this fraud information back onto my credit report