davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Kohls Credit Called me on XX/XX/XXXX to say I was 61 Days late on a payment. This was the FIRST phone call contact from them. I have never received a letter in the mail nor have I received an email saying I was 30/60 days late. 

I paid off my balance in full in XXXX. My next purchase was Holiday Shopping in XXXX. Kohls claims that there was a purchase in XXXX or XXXX which I do not recall. 

I asked Kohls Credit to please investigate because they were negligent on properly informing me on my payment status and there was a purchase that I possibly did not make, which is why I did not send a payment because I was unaware of a balance. I asked the rep and the supervisor to do the right thing and take the 60 day late delinquent report on my credit report. They refused and told me to call the president of Kohls. I even said I'll pay the balance IN FULL if you just take it off my credit report and the supervisor said he doesn't have the power to do that. They, again, told me to call the President. 

I called Kohls customer service and they said they opened an investigation but I get this feeling that no one is trying to help me. 

**This report will be CC'ed to Consumer Affairs, Attorney General NY, Attorney General WI, and Consumer Financial Protection Bureau**
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX / XXXX / {$450.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

My XXXX XXXX XXXX loan was transferred to Carrington Mortgage about 30 days ago. I was sent a notice, but I was never sent a welcome package or any information about my new account from Carrington. XXXX XXXX XXXX gave me the phone number for Carrington and I called to get my account number and information. I was assured that more information was coming in the mail and that XXXX payments would not change. I still have not recieved a welcome package, instead, I have recieved a notice that my 30-year conventional mortgage payment is going to go up over {$50.00} due to estimated escrow changes. This is ridiculous. I have not been motifiifed of any tax or insurance changes and there is no need for this payment to go up. I feel like this is unnessesary and unjustified. Definitely not the 'Welcome package ' I was expecting.
Consumer complaint received 2023-04-05
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. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (FL)

I am XXXX XXXX XXXX # XXXX ( Victim of financial crimes and victim of a financial conspiracy to deprive ). 
According to the Fair Credit Reporting Act, I am credit worthy and possess sufficient income to lend. My total income before deductions is approximately {$73000.00} annually with a credit score of XXXX. I requested a {$1500.00} loan from my bank at Wells Fargo checking account. I direct deposit {$5600.00} dollars monthly into my Wells Fargo checking account. Wells Fargo employees are depriving me of my right to loan, refinance, and consolidate my debt by utilizing the {$68000.00} that I deposit into my Wells Fargo Checking account annually. I do not have collections, public record items, nor a bankruptcy. The banks ' contact information is XXXX XXXX, XXXX Fax, XXXX ( 24-hour customer service ). The banks ' email addresses are XXXX, XXXX, and XXXX. Wells Fargo 's case number to reference is XXXX. Any identity issues can be cleared up with a presentation of my Military I.D . card, Drivers license, Social Security card, Veterans Administration I.D . card, and passport.
Consumer complaint received 2024-03-23
Product: Credit reporting 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: EQUIFAX, INC. (CA)

I tried to get my credit report from XXXX says it was denied because i had a dispute? Makes no sense at all to deny my free credit report. 

I could not get XXXX credit report or Equifax credit report don't know why. Because these are free to receive every week.
Consumer complaint received 2023-04-05
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-20
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. (AR)

These Accounts don't belong to me. Account XXXX XXXX  # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX  # XXXX, Account XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX # XXXX, Account XXXX  XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX # XXXX.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (SC)

I received a letter from PNC Mortgage on XXXX XXXX, 2015 stating that I needed to provide documentation of an insurance policy that my home owners association holds for the condominium complex. After contacting my HOA and their insurance agent this document was sent on XXXX XXXX, 2015. I received secondary notification of the charges about to be assessed to my mortgage account when they purchase insurance to cover this portion of the property. Upon this notification I contacted PNC to determine if they had received insurance information as requested. They indicated they had not. At this time I called my HOA president and their insurance agent to inquire about proof of insurance. They indicated this had been sent previously via fax ( an option in the request to provide proof ) and offered to send again. I waited a few more days to allow for processing time, and called PNC. Their customer service representative they were still not in receipt of the document. He also indicated that in order to ensure that these documents were received I should instead submit via an online portal. If PNC is not going to accept faxed proof of insurance they should not provide it as an option to submit documentation.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

These Accounts don't belong to me. Account XXXX XXXX  # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX  # XXXX, Account XXXX  XXXX XXXX Bank XXXX, Account XXXXXXXX XXXX XXXX  XXXX and Account XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (TX)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. Accounts Reason This collection is not my account. XXXX XXXX XXXX  XXXX XXXX. I never missed a payment on this account, please correct. XXXX XXXXXXXX XXXX XXXX XXXX. This collection is not on my account XXXX XXXX XXXX XXXX. Understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

Americollect Inc is trying to collect a medical bill from XX/XX/17 of {$340.00} from me. This is not my bill and belongs to an ex spouse. I have never gone to, or been treated at XXXX XXXX Hospital or any other hospital. 

I have disputed this claim, but XXXX has not removed it enough it is not my bill and no proof can be shown it is mine as it is not.
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Back in XXXX XXXX, I was laid off of work and could not afford to pay for my Capitol One student credit card. I discussed this with the bank, and they offered me no solution at the time. So I stop paying them. My credit card limit on this credit card was {$300.00}, and there was no way I could go over my limit except if late fees were stacked on it. In XXXX XXXX, Capitol One finally closed my student credit card and reported the credit bureaus that I owed them {$1500.00}. Today, Capitol One has a charge off on my credit report stating that I owe {$2200.00} total, which is 745.67 % over the limit! This is clearly a violation of the Credit CARD Act of XXXX.
Consumer complaint received 2020-09-10
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. (OH)

I have sent several disputes to the credit bureaus in regards to inaccurate reporting from a collection agency. The bureaus keep verifying this information and refuse to do a thorough investigation. I have filed two complaints on XXXX XXXX  about this issue as well. Nobody is trying to investigate this companys inaccurate reporting. The bureaus are failing to do their job as well. I have sent in proof they are lying about the amount owed but nobody is doing their job. Someone needs to thoroughly investigate my request. They refuse to send me proper validation of this alleged debt after several attempts. If my credit report is reporting one amount and statements they send me say another how is that accurate? The fcra says they must report complete and accurate information in which they are not. The bureaus are not doing their job and neither are the collection agencies.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I had an existing Master Card issued by USAA bank. Without any notice it was changed to a Visa card. They advised this was a " business decision ''. I currently have another visa card. I advised them I wished to close my account and was advised this could negatively impact my credit score by as much as XXXX points. This is wrong for USAA bank to do this and worse that my credit score would be impacted by cancelling a duplicitous card.
Consumer complaint received 2022-02-03
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. (NJ)

In XX/XX/XXXX XXXX, XXXX University and/or its representative falsely certified eligibility to receive XXXX XXXX funds on my behalf by forging my information. I have never taken out a XXXX XXXX XXXX or signed off on a Promissory Note to provide monies to XXXX University. 

XXXX : The original loan servicer, sent to me thru the Consumer Financial Protection Bureau on XX/XX/XXXX a response letter stating that the XXXX XXXX loan was placed with XXXX  on XX/XX/XXXX and on that date the loan became in deferment. Please see the attached letter. 

However, after a request of validation of the XXXX XXXX to XXXX University, the current US Department of Education loan servicer provided a Promissory Note from XXXX University, alleging that the XXXX XXXX was signed and became effective XX/XX/XXXX. In addition I would like to point out that the Promissory does not include my signature. Please see attached. 

Attached is also the XXXX XXXX XXXX  Year Summary, that I received from the XXXX XXXX, XXXX XXXX on XX/XX/XXXX. The summary clearly states, XXXX XXXX XXXX {$0.00}. 

I also have dated correspondence from XXXX University in several failed attempts from XXXX University to get my signature for a XXXX XXXX that I did not request, need or sign. This information is being provided to the XXXX XXXX Ombudsman Group. 

I am requesting that XXXX and XXXX University remove all of the late payment of XXXX and XXXX  days from my credit report with the Credit Bureaus immediately. 

I am also requesting that XXXX and XXXX University have XXXX remove any and all collections from my credit report and remove reported XXXX XXXX loans from the US Department of Education. IMMEDIATELY.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

I called about these issues and the call was transferred to a not active line. I did not make any of these charges : XX/XX/2020 XXXX XXXX   XXXX XXXX XXXX, XX/XX/2020 XXXX XXXX, XX/XX/2020 XXXX XXXX
Consumer complaint received 2016-03-04
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have a secured credit card with USAA. Secured by a Certificate of Deposit for {$3000.00}. For the past three months when attempting to pay on my account I have learned that even though the credit card account is secured, if I pay the the balance in full utilizing XXXX different checking accounts, the payments will be held for an additional 7 or eight days. I paid {$840.00} on XXXX XXXX, 2016, that payment was placed on a 7 to 8 day hold. I made another payment on XXXX XXXX for another {$800.00} plus and that payment is now on hold for XXXX to 8 days. 
When I first started to notice this happening I called and was told that one of payments was returned and that was the reason, the payments were being put on hold. I was also told that was to be for 3 months. Even though the credit is secured by a CD. 
Then I have an unsecured credit card and pay it the very same way and the payments are applied immediately to the account even though the payments may or may not be paid by XXXX different accounts. 
This is a major concern to me because we expected USAA to be Veteran friendly as it advertises. In addition, we have home owners insurance, flood insurance and vehicle insurance with this company.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

Disputed with Experian creditor not entitled to report debt not owed and included in bankruptcy ; yet, company constantly refused to adhere to Fair Credit Reporting Act by deleting and illegally monitoring social security number, allow creditor reaging debt 18 years ago which was dealt with in bankrupt in addition to continues to delete and/or refuse to allow personal statement & manipulating personal credit report since bankruptcy case successfully closed in 2012
Consumer complaint received 2020-10-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MOUNTAIN WEST FINANCIAL, INC. (TX)

I am in the midst of selling my home and have been at a stand still with the closing process. The closing was slated for XX/XX/XXXXand we are now on XX/XX/XXXX with no scheduled closing date. I have been given false or incorrect information numerous times. I moved out of my home with the understanding that the closing was going to take place last month. I am now having to be faced with paying rent in my temporary living and paying the mortgage on the house. This not only has impacted me but the buyer of the home as well. Everyone is in Limbo now and how is it that this lender thinks that this is right by any means. I have contacted upper management and I was told that my file would be escalated. Still nothing has happened. I have over 20 years of experience working in the mortgage industry, processing loans and this is absolutely unacceptable.
Consumer complaint received 2018-03-15
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. (NM)

We had a loan for a used XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in xxxx - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with XXXX XXXX regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at XXXX XXXX XXXX XXXX, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and XXXX XXXX, have proved futile. What XXXX XXXX has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Credit determination — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

i recently closed and paid off my citizens bank credit card account ove one month ago. Today i received a call from them saying that my account was past due.now, they never sent me a letter in the mail saying that i owed them money after i have requested a payoff and paid the balance in full. they are attempting to report my account past due for 33 days with the credit reporting agencies. i have worked tirelessly to build my credit, and now Citizens bank wants to destroy over {$27.00} when they never had any type of notification in place to make me aware of the balance.