davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a sofa and armchair from XXXX XXXX XXXX ( a XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$6400.00}. 

At the point of sale, the Pottery Barn sales representative also pushed me to open a Pottery Barn Capitol One credit card and described various perks associated with the card. She also told me that I wouldn't be charged for the items until they were delivered. The delivery is now scheduled for XX/XX/XXXX. 

Upon further review of the Pottery Barn Capitol One credit card, I realize the use of the perks are more restrictive than I had understood. Therefore today, XX/XX/XXXX, I called Pottery Barn customer service and requested that I switch payment to another credit card. 

I spoke to 4 representatives from Pottery Barn and Capitol One. I was informed that the charge was already made upon shipment of the items, rather than at delivery which I was verbally told by the sales representative. In addition I was told that I can not make the payment switch without further delaying the delivery of the furniture which I have already waited for since XXXX. 

To be clear, I am not disputing the charge. I merely want to pay with a different credit card for items that have not yet been delivered. 

I consider this to be a predatory practice by Pottery Barn and related entities Capitol One and XXXX to 1 ) push their credit card upon consumers and 2 ) refusing to switch the payment source for an item that has not even been delivered yet. 

Further, when I spoke to a Pottery Barn customer service supervisor and asked for the name of the corporate department with which to elevate my request and complaint, I was told that she would not give me that information and to " look it up on the internet. ''
Consumer complaint received 2017-09-23
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. (CO)

Equifax failed to properly protect my PII data, compromising my identity and future creditworthiness. Their bad business practices demonstrate they should not be entrusted with this information in the future.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I refinance my house on  XXXX   XXXX ,  XXXX  and opened mortgage with Quicken Loans. My monthly payment on 30 years fix interest loan was  XXXX  On  XXXX   XXXX ,  QL a gainst my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since  XXXX   XXXX  I made over  10 re quests to close  XXXX  account.  QL  refuses multiple requests to close escrow account unless I apply for new higher percentage loan.   On  XXXX   XXXX ,  XXXX  I made regular ( on tim e ) pa yment for loan at the amount of  XXXX .   Instead of accepting payment as expected , QL pl aced my payment in Suspense, because they charged me {$1600.00} on  XXXX   XXXX ,  XXXX  ( for duplicated home insurance ) and then refunded - {$1600.00} on  XXXX   XXXX ,  XXXX  after I complained. But  QL  kept my payment in suspense ignoring phone arrangement to provide total amount own on escrow until  XXXX   XXXX ,  XXXX  when I was charged for late payment. At that time I was promised refund for late payment since record show that I made payment on ti me (   XXXX   XXXX ,  XXXX  ). Later QL loan also ignored that arrangement. And on  XXXX   XXXX , they charged me  XXXX  even though payment history ( attach ed ) sho ws on time payment, written chat conversation shows the request to provide escrow amount.
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (VA)

On XXXX XXXX 2018, I received a debt collection notice from a XXXX XXXX XXXX, phone number XXXX ext. XXXX, fax # XXXX, on behalf of XXXX to collect a balance of {$110.00}. I have called XXXX numerous times and tried to settle this matter. I even have evidence stating that I never had any service from XXXX and that everything was taken care of and I should receive a final bill showing {$0.00} owed. I also received a confirmation number also. I have evidence that XXXX should n't be charging me for anything because I never had their service turned on because for three days someone was supposed to come turn on my phone service so that I could have internet also and XXXX never showed up and it seems they are trying to charge me from the time that I ordered internet and phone services from them over my cell phone. I will attempt to send all of my evidence on Friday the XXXX if I can make it to the post office because I live in Virginia and we just got hit with a major blizzard on Wednesday evening, over a foot of snow. I will try to send certified letters stating that I do n't owe this balance to the North Shore Agency and XXXX and you, the CFPB will receive one also along with my documentation showing my proof that i should n't owe XXXX anything.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX XXXX XXXX reported on my credit report that I was current and up to date on my payments. On XX/XX/XXXX XXXX XXXX reported that I was delinquent on my account which dropped my credit score tremendously. I contacted XXXX XXXX multiple time speaking with XXXX and XXXX and they both stated that was an error because they only report if you are 30 days late. I'm am currently in the process of purchasing a home and they are also going to pay the vehicle off as to why I haven't paid my current balance of XXXX but both stated that it still isn't 30 days late because my due date is on XX/XX/XXXX and it's only 7 days late due to being paid off when I close on my home. I asked for something in writing just to inform my mortgage company that this was an error and they stated that they were not able to put anything in writing because they don't have the proper format to write a letter and that I would have to dispute it. I'm set to close on my home on XX/XX/XXXX. 

Signed very upset,
Consumer complaint received 2017-04-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

IN   XXXX  , WE WERE HAVING DIFFICULTY PAYING OUR MORTGAGE. WE WERE TRYING TO LOWER OUR MORTGAGE AND THE COMPANY REFUSED TO DO SO AND IN THE PROCESS WE HAD TO DO A LOAN MODIFICATION TO LOWER OUR MONTHY PAYMENT. THE PAYMENT WAS DROPPPED AFTER THE MODIFICATION BECAUSE WE WERE I N ARREAS FOR ( 8 ) MONTH S, THE COMPANY ADD THE ARREAR TO THE BACK END OF OUR MORTGAGE AND WE WERE TOLD THAT WE DID NOT HAVE TO PAID THE ARREAS UNLESS WE SELL THE HOUSE. THIS IS OUR ONLY HOME AND ONCE WE DID THE MODIFICATION THE MORTGAGE COMPANY GIV E US A BALLON M ORTGAGE INSTEAD OF A FIX MORTGAGE AND IT IS A ( 40 YEARS ) MORTGAGE. MY HOME IS NOW DUE FOR A REFINANCE AND WE WENT TO THE BANK TO DO SO BUT UNFORTUNATELY, WE WERE UNABLE TO. THE MORTGAGE COMPANY TOLD US THAT THEY HAVE TO ADD THE ARREAR BACK ON THE LOAN BUT THIS IS NOT WHAT WE WERE TOLD NOW WE ARE STUCK AND DO NOT KNOW WHAT TO DO. PLEASE HE LP US!
Consumer complaint received 2017-09-23
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: Diversified Consultants, Inc. (MO)

A collection from diversified consultants was listed on my credit report for {$580.00} for XXXX XXXX. They did not send me any notification they were placing this on my credit report. This is not my debt and I can provide proof that whatever address was in service for this debt, I did not live At. They can NOT validate the debt as this is n't my debt. I am tired of this debt that 's not even mine being passed around and sold after proving the debt is n't mine. I will be filing suit at the attorney generals office if this is sold again and not immediately deleted.
Consumer complaint received 2022-02-15
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. (CA)

I settled the account with XXXX XXXX back on XX/XX/2021. PAID {$1000.00} The agency gave my rep this Confirmation number # XXXX Payment Confirmation- XXXX # XXXX. They promised when I paid the {$1000.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and Experian.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have  XXXX  credit inquiries from  XXXX   XXXX   XXXX . I authorized the pulling of my report in  XXXX   2017 . I did not authorize the subsequent pulling of my credit report after  XXXX   2017 , yet there are  XXXX  more inquiries appearing on my credit report. I have asked  XXXX , Experian and   XXXX   to remove these inquiries and they have refused to do so even if I did not authorize it. None of the agencies can prove that I provided consent because I did not, but even so, they refuse to remove it from my credit report which adversely affected my  credit score and ability  to obtain a home mortgage.
Consumer complaint received 2017-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC (FL)

I received an alert showing a collection account that I had no knowledge of. I never received a letter or call about any amount owed to this company. I was not given the proper chance or time to pay this account because I did n't received any notice. I have tried to advise that I was not contacted but no one is helping me. I see a collection account for {$34.00}. The proper steps were not taken to insure that I was aware about this account so that I can pay it. Not my credit report took a hit because of this.
Consumer complaint received 2023-03-19
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX / XXXX XXXX U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written permission, consent, or instructions. 

4. XXXX XXXX XXXX Acct # XXXX a. Company does not have a contract on file. The company denied my consumer right to receive a contract. 
b. I have attached documentation from the company denying me the right to receive the contract allegedly on file. 
c. The company failed to notate that the account was in dispute after I sent them a direct letter of the dispute via Certified Mail XXXX d. Violation of my consumer and privacy rights i. 15 US CODE 1681e ( b ) ii. 15 US CODE 1681a ( 2 ) ( A ) ( i ) iii. The Privacy Act of 1974 5 U.S.C. 552a e. Attached documentation has been provided to show that this company failed to provide a contract with my signature after requesting it. I have also attached the dispute letter that was sent to this company as well The letter sent to them was very clear and precise in what I was requesting and they intentionally and fraudulently failed to provide me with this information.
Consumer complaint received 2017-07-27
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. (FL)

On XXXX XXXX 2017 I sent written request to XXXX, Transunion, XXXX  requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2018-03-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/XXXX, I asked that my account be updated as it was showing that it hadn't been reported since XX/XX/XXXX. I pay this account every single month and am up to date on my payments. on XX/XX/XXXX, TranUnion deleted my account because they weren't able to reach the creditor and dropped my credit score by almost 100 points. I contacted them and they advised me to contact the creditor directly and ask them to resubmit the account. They stated that they will not do anything further because they already report it each month. Even though it wasn't showing as reported since XXXX. I called TransUnion again and they said they tried to reach out to them electronically with no response and they deleted it. I contact XXXX XXXX ( creditor ) and they stated that they do what they are supposed to. I spoke to the owner and he stated that there is nothing wrong showing on their end. I advised him that all Transunion is asking that they call and add the account back on and verify. He refused saying he does what he is supposed to do and that's all he is required to do. this was all via email in writing.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (KS)

I have a XXXX prepaid account. On XXXX XXXX I attempted to withdraw {$300.00} from an atm. The money was not dispensed but the account showed the money was dispensed. I went to XXXX XXXX in XXXX KS the owner of the atm who told me they would do a count and give me the money back if there was a discrepancy. I returned in XXXX XXXX and was told the count has not begun. I returned on XXXX XXXX and told again the count had not begun but totals would be ran and I would receive a credit to my account. I did not receive any credit. I called the bank on XXXX XXXX and was told I would receive the money back from my bank after a dispute. I filed a dispute with my XXXX Prepaid account on XXXX XXXX. I called on XXXX XXXX, XXXX to ask about a provisional credit and was told I could not receive a credit until the investigation was complete. I was told Id receive an update on XXXX XXXX regarding the dispute but that even then I may still not receive any credit until 45-60 business days when the review was complete.
Consumer complaint received 2017-09-23
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: AMERICAN EXPRESS COMPANY (MN)

I am in the process of trying to buy a home. I had received an eviction letter from where i am currently renting so i reached out to American Express to see if it was possible to discuss payment options. I was advised by the representative that they would push my payment date back by 14 days and it would not report late on my credit report as long as i had paid it by the XXXX. It had reported late before the XXXX of this month. I reached out to American Express quite a few times on trying to get this resolved. I was provided 2 different numbers. The representatives mention they are going to try to help and the following numbers provided to me was a Credit Bureau Unit team - XXXX and the other number i think is customer service but it was XXXX. When i would call i was told that group could not assist me and to call the other number. I was getting bounced back and forth. I tried chatting online a few times about it as well and via social media but was advised to call those numbers. I did pay both of my cards in full before the XXXX which was the date that was advised by a rep i had chatted with.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Over the summer, forget the exact date but can look it up if needed. I have the capital one buypower card. I went into a store one day and purchased something worth a little over 4 dollars. This card is one of had for a while and would purchase things with occasionally. The card payments were set on automatic payments as I have set up on all my other accounts. However, one day I got an email stating that my payment was late. Confused by the email I called the company and the lady I spoke with assured me that my card had automatic payments. When I asked if the payment would be made and everything would be okay. She again assured me that everything is taken care of. My sole purpose of the call was to make a payment. However, the customer service agent failed to tell me that their system for automatic payments stopped working ... they stopped them altogether. And that my automatic payment would not go through before the time limit in which they would send the missed payment to the bureau. I hung up the phone assured that the payment would be made. I just assumed the system was taking it at the last minute like it usually does. A few weeks go by and I again get an email. This time from XXXX XXXX  telling me that there was a hit on my score. When I checked it turned out to be that missed payment. My automatic payment did n't go through like the lady assured me it would. And now I have my FIRST missed payment on my credit report which was not my fault. I was not notified the company took off automatic payments on their own. And when I called in the first time I was not made aware that had the payment not been taken that day it was going to go on my credit report. I remind you ... the balance was XXXX dollars. I was calling that day with the intention of clearing it out. It 's XXXX dollars .... of course I wanted to pay it off. I 've never missed a payment. Ever. As seen on my report. When I called in the second time the lady asked if I wanted to take care of the payment and I assured her that I would. And that lady is the one who made me aware that I was not on automatic payments and that they stopped my automatic payments ... without telling me. When I filed a dispute with the company they called back and took absolutely no blame for their employee misleading me as a customer and allowing my credit score be affected. I feel extremely mistreated by this company and do not feel as if a XXXX dollar missed payment should be on my credit report ... out of all the payments I 've made. Especially if I had automatic payments and was assured by the first individual that it was still active. I tried filing a dispute on XXXX XXXX but nothing came of it. I hope that you all can clearly see how I was mislead and abused as a customer. 

Thanks, XXXX
Consumer complaint received 2017-04-24
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. (FL)

My   XXXX   student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.      XXXX  refuses to correct the incorrect data supplied to all  XXXX  credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (VA)

I received communication about a XXXX debt. I went online and settled for less than what was owed printed a receipt and sent the money order for XXXX via mail with delivery confirmation. I checked my credit report and the amount I paid was only deducted from the whole amount Amsher is still reporting a balance. I checked the Amsher account online and it is reporting an installment payment past due.
Consumer complaint received 2018-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

On XXXX 2015, My now ex wife and I applied for a loan and approved/received a loan for XXXX and as of right now the loan is XXXX. The agreement between my ex wife and myself was to pay the debt collectively but her end of the agreement was not held. I paid as much as I could before I could no longer make payments.