davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

Placed an order for a freezer in XX/XX/XXXX with Sears. They could not deliver the product when promised stating they were having issues receiving the products from XXXX. They moved the date up however, could not deliver the product. We cancelled the order. 

We received statement from Sears every month thereafter charging us fees and interest now amounting to {$130.00}. I contacted the company several times but could not resolve the issues. Agents were extremely uncooperative and unprofessional. Hanging up the phone, not providing their employee ID number or were condescending. 

One of the supervisors ( Was polite ), took my information on XX/XX/XXXX and stated someone would contact me within 24/48 hours. She assigned a number to this case XXXX. On XX/XX/XXXX, received an email from Sears Customer Solutions stating : From : Sears Customer Solutions XXXX Sent : Monday, XX/XX/XXXX XXXX AM To : XXXX Subject : Case ID : XXXX " Dear my name, Thank you for contacting Sears Holdings Corporation . We thank you for allowing us the opportunity to assist you with your recent experience. If you have any further questions, please feel free to call us at the phone number provided below. 
In regards to your query regarding refund for the interest on cancelled order. We regret to inform you that you are not eligible for refund.. 

Case Number:XXXX? 
Phone Number : XXXX. 

Sincerely, XXXX XXXX XXXX Member Services On XX/XX/XXXX, I responded to Sears Customer Solutions by stating : " Good afternoon : The amount needs to be removed from my record as you have not provided us with any product or service. Why are you charging me the fees and interest? I need your explanation of these charges. '' My Name My Telephone Number On XX/XX/XXXX, I called Sears Hometown Store located in XXXX XXXX, Wisconsin where I initially placed the order. I requested to speak to the manager. Manager was extremely belligerent and condescending who did not want to listen to the issues. He also hung up the phone.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (PA)

Specialized Loan Servicing a collection agency has not reported to the Credit Companies since XX/XX/XXXX about our loan it is still showing a balance of {$23000.00} which was the balance on XX/XX/XXXX and has been paid in full with payments in between last payment was paid XX/XX/XXXX and we have a XXXX balance which has not been reported to the credit companies and nothing has been reported to the credit companies since XX/XX/XXXX which is totally wrong and not fair or right. They are more concerned about bankruptcies than their customers and having to report to the credit Companies. To wait that long is just not right and last I heard they do not expect to report until XX/XX/XXXX which would be over 5 months since they last reported. Really and they are a collection company!
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MI)

Money was transferred using my Western Union account to an unknown person and unknown location from my XXXX Bank Account in XXXX separate transactions totaling {$1600.00}. I did no authorize or initiate these transactions. I haven't used XXXX XXXX XXXX in the past 1 year at all. A third transaction was also attempted but was rejected by XXXX XXXX. 
I also received an email from Western Union saying that the fraudster picked up the money in person from one of the Western Union locations as well within minutes after the transaction was sent.

One of my family member 's name was used as the receiver for the transfer.

So my Western Union account was logged into without me knowing, money was transferred without my consent ( tried 3 times, successful 2 times ), money was probably received by an imposter at a Western Union location in my family member 's name.

Multiple failures on Western Union 's part for the security of my account and the money transfer process.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to dispute and request removal of the late payment reported on my credit report for the XXXX XXXX XXXX account. This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ) and New York State laws.

Facts : 1. The reported late payment is inaccurate and unsubstantiated.

Violations : 1. FCRA 1681e ( b ) - inaccurate information reported.

2. 12 CFR 1022.41 - furnishing inaccurate information.

3. New York State General Business Law 380-a - false or misleading information.

Removal Request : Pursuant to FCRA 1681i ( a ) and New York State General Business Law 380-b, I request : 1. Immediate removal of the disputed late payment.

2. Confirmation of removal in writing.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Background : I purchased airline tickets on XXXX XXXX ( XXXX airline ) in XX/XX/XXXX. In XX/XX/XXXX, the flight was cancelled by the airline due to COVID-19. I contacted the airline promptly to get my refund, they said OK but it could be up to 90 days. I checked in with them periodically over the coming months. 

On XX/XX/XXXX ( 90 days + a grace period ), I submitted a dispute to Bank of America ( the credit card company for the transaction ). The dispute number is XXXX. They sent me a document request, which I submitted on XX/XX/XXXX. 

I have called them and the airline many more times since XXXX to get updates on the status. The airline keeps saying " just a few more weeks '' and Bank of America keeps saying " it's under review still ''. 

Today, when I checked my bank account, the claim was no longer listed so I called Bank of America. When I finally spoke with Bank of America 's Merchant Response Department, they noted the claim was still under review and could still be a few months away. The woman I spoke with noted that I had provided considerable supporting documentation for the dispute ( e.g. emails, screenshots, phone logs ) but would not provide any additional information to me on status, timing, or their review process when I asked.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Kohls Capital One is reporting a late on XX/XX/21. Due to Covid and the unforseen events surround this entire pandemic my life has been super hectic. I have been really financially and mentally impacted by this pandemic. This has just been such a let down as a long time customer during such a hard time you would not show any leniency. This current situation with Kohls has been so detrimental to my former great credit I had going and my plans to buy a home. I would like to ask, to the honest errors that Kohl 's would be willing to forgive and remove this late payment reporting as a courtesy and goodwill adjustment with a promise to pay all payments on time in the future. I am a loyal and long-time Kohl 's Customer.
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC (OR)

All loan payments were paid on time and the crushing financial burden XXXX impacted other areas of our life. The maximum APR for a paydayloan is 153.77 %, this loan is 485.56 %. I requested that the amount over the principal be paid back and the loan closed out on XX/XX/24 and then followed up on XX/XX/24.
Consumer complaint received 2021-03-02
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX  Acct  # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

On XX/XX/2021 I called Shellpoint financial to make my mortgage payment. When attempting to make this payment I was told that my monthly payment was {$560.00} because my account went into escrow related to Shellpoint receiving my proof of insurance late. The receptionist told me that it would take at lease a month to correct this. I have spoke with Shellpoint a month ago to this date about the same matter. Also the receptionist told me that I had to send in a letter stating that I didn't want an escrow account. When I purchase my home I did not sign a contract for an escrow account. Since this company took over my loan I've been having problems. I had my home for 23 year and I never missed a payment. My payments should be {$440.00} every month it been this rate for 23year without any problems. This is the second complaint that I have put in for Shellpoint sending my account to escrow. I have no lapse in my insurance and I do not have a escrow account. I will be making my payment when this matter is resolve with NO LATE CHARGES!
Consumer complaint received 2021-03-01
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. (NJ)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX have also filed XXXX CFPB complaints against the bureaus for their lack of responses on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing from anyone! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2024-09-10
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 (FL)

Dear Capital One Representatives, I am writing to dispute a credit inquiry that appears on my report and was not authorized by me. According to my credit report from XXXX, a hard inquiry was made by **Capital One Bank USA** on XXXX XXXX, 2024**. I do not recall

authorizing or requesting a credit review on that date or at any other time with your institution. I kindly request that you investigate this unauthorized inquiry and remove it from my credit report immediately. I have attached a copy of my identification and proof of address for your reference. Thank you for your attention to this matter, and I look forward to a prompt resolution. If you need any further information from me, please do not hesitate to contact me.

Thank you for your time and attention.
Consumer complaint received 2021-03-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TX)

This account was originally set up for and on behalf of XXXX and XXXX XXXX, my parents. I made a few payments on the Loan on my fathers behalf after my mother passed away in XXXX. However, I was never the owner of the vehicle. I did not enter into any contracts with Santander Consumer USA on my own behalf or as a guarantor for any other person. As such, the Account does not belong to me, has never belonged to me, and should not be reported on my credit report. 
On XX/XX/XXXX, my attorney submitted a request for validation and subsequent deletion of the account, to which Santander replied via letter dated XX/XX/XXXX that they needed more information to validate and verify. I had my attorney prepare an additional letter, dated XX/XX/XXXX, providing the information requested and again requesting the validation and deletion of the incorrect information from my credit report. Copies of all correspondence along with delivery receipts of such correspondence are attached hereto. 
As of the date of this complaint, Santander Consumer USA has not responded nor provided the required validation of the Account. Santander Consumer USAs continued reporting of this account on my credit report despite their refusal and inability to validate and verify the account is in direct violation of the FCRA. As such, I am filing this fraud complaint against Santander Consumer USA.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (PA)

XX/XX/21 I was given a America Express Serve " gift card '', went to use it XX/XX/21 American Express had already taken 1 of the money from the card. When people go into XXXX or any store to buy these gift cards they are not aware that the money they put on these cards is not going to be the full amount that the person is going to receive. This is so unethical, and frankly thievery! I will be telling everyone to be aware of his Fradulent activity. American Express is really taking advantage of people!
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (OR)

This company has called me on several occasions. In XXXX alone, they have called on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 

Last week when I spoke to a person, they refused to tell me what the call was about and were asking for my personal information including birthdate and part of my social security number. I have specifically asked them to stop calling me and to take me off of their list. 

Then on XX/XX/XXXX at XXXX, I received another call, and it was silent on the other end when I answered. They eventually disconnected. 

Recognizing the number, I called back in frustration. The automated recording said it was about a debt that I am unaware of. I eventually spoke to an agent and requested again that they remove me from their list. 

The repeated calls are a disruption to my day. I am a business owner and answer my phone more than most people and this is highly aggravating. 

Thank you for taking the time to receive this complaint.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP (NV)

Capital Management Services , LP has a case of FRAUD. Stealing my information and reporting it on my credit report. I ask they delete this immediately. During a pandemic I have had my personal information jeopardized. Please have them delete all false and fraudulent claims off of my credit report.
Consumer complaint received 2021-03-01
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. (NC)

I contacted Equifax and explained to them my credit profile is incorrect regarding my XXXX XXXX account. I was told by Equifax I need to contact the creditor. I spoke with a Manager at XXXX by XXXX XXXX and was told they will submit a case. I explained based on the FCRA everything on my report must be accurate and verifiable. Equifax and XXXX XXXX did the opposite, rather than following the law, they just corrected the information which they can't do because it was incorrect on my report. I submitted disputes XX/XX/2020 with No resolve I added the attachment to show proof of the violation. XXXX shows how it was recorded XXXX shows the report adjusted. 

Thank You
Consumer complaint received 2021-03-02
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: I.C. System, Inc. (NJ)

I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.
Consumer complaint received 2021-03-02
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. (IN)

On XX/XX/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the Equifax data breach and I'm almost sure that's where these erroneous accounts were accumulated.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2021-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am filing this complaint with the CFPB in regards to a Capital One Bank USA account with a balance of {$790.00} which has been reflecting on my XXXX credit report since XX/XX/XXXX. Capital One was notified that I was a victim of identity theft as soon as I found out about it through verbal communication as well as a certified letter. That certified letter also included the police report which was filed on XX/XX/XXXX through the XXXX XXXX XXXX XXXX office. Since that time I have disputed this acct through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly to Capital One again on XX/XX/XXXX and the only answer I am receiving in return is that it has been verified as accurate. This is not my account, it is reflecting negatively on my credit report which is hurting my credit score. This is my final result with contacting the CFPB to see if we can get this account removed. I am aware that the balance is under {$1000.00} but the damage it has done over the years in stopping me from receiving credit is a lot more costly. Hopefully this matter can be resolved and that account can be removed quickly from my XXXX  report or my next step will be to acquire an attorney. Thank you for looking into this for me. 
XXXX XXXX XXXX