davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XX/XX/XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-05-13
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: Paypal Holdings, Inc (GA)

XXXX I paid {$290.00} and at that time the available credit was {$6000.00} of {$6000.00}. I haven't used the card since and I'm travelling and I can't find it in my stack of cards. Some of the other cards have unauthorized charges on them as well. I don't know what the balance is now as I can't log in to paypal so I don't know what the damage is but I'm tired of worrying about this and I want it replaced and my credit report back to perfect.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The first paragraphs detail the incident. The last few detail the damages caused by Capital One. 

On XX/XX/2020, I was making several orders on walmart.com for grocery pickup. Walmart allows you to modify your order until XXXX XXXX  on the day of delivery. When I tried to add a few items late on XX/XX/2020. My account was restricted and I could not complete the transaction. 

I called CapitalOne 's customer service and the representatives CLAIMED that he removed the restriction. I waited a few minutes to make the transaction to update my grocery selection ; however, my card was still restricted although the representative said that he removed the restriction. 

I called CapitalOne on XX/XX/2020 to remove the restriction. They stated that they can only remove the restriction if I put in extra effort liking writing a letter and providing my drivers license number and then I have to wait 7 to 10 business days. 

This is an unfair business practice. They can restrict my account within seconds, but it takes 7 to 10 business days to remove the restriction. 

I also have damages. In addition, I usually get 5 % cash back when I use the walmart card. To complete the transaction, I had to use another credit card. CapitalOne should reimburse me for the lost 5 % cash back for that transaction and future transaction at walmart.com due to there unjust restriction, a restriction that should have been removed especially since they said it was removed and I verified my identity. 

Another damages are that I had to lose time from work and suffer emotional distress. I should be compensated for my time in some fashion. Please choose an appropriate remedy.
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (WI)

My XXXX account was sold to XXXX financial. Recently my card has been declined for simple transactions even though my account is paid in full every statement. 
Since XX/XX/XXXX, I have called their customer service number several times each day, and they kept me on hold as long as I could stand it ... .up to one hour! 
XXXX. I can not get through to them for an explanation. 
Please help. The bank that sold their credit accounts said they couldn't help.
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I started receiving phone calls from HRRG on XX/XX/2020 and continue to receive calls on a weekly basis and sometime multiple times a week. An automated computer leaves a message to please call them. " These calls are an attempt to collect a debt. '' When I speak to them, they do not have my name or number in their system and do not know why I am getting the calls. As these calls continued, I called and asked to speak with a supervisor. Not surprisingly I was hung up on. The last time I spoke to the company on XX/XX/2020, I spoke with XXXX who identified himself as a supervisor. After I explained my situation with XXXX, he asked all the same questions of my name and number and assured me I was not in their system. He placed me on hold several times and returned to assure me he was working on getting to the bottom of what was going on. He then returned to the call to tell me everything should be taken care of. The calls continue to this day. 
To be clear I have no outstanding debt and owe this company nothing. They can not explain why they continue to call me. Whether this is a " computer glitch '' or not, they need to make it stop.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2021-03-30
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. (GA)

I have disputed erroneous accounts with Equifax, XXXX, and XXXX and have not received responses to my attempts to resolve the mistake made by the credit bureaus. I have sent many letters throughout the past year and have attached the latest round of letters and have provided the certified mail receipt numbers to show that the credit bureaus have received the letters. This is a violation of the Fair Credit Reporting Act and the disputed accounts must be deleted. 

Certified Mail receipt numbers XXXX Equifax XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I have been asking time and again way back in XXXX to XX/XX/XXXX when i was trying to work out a lower payment of the {$500.00} - {$900.00} range. 
Nothing happened. 
I then went to lawyer XXXX XXXX which after 33 pages at one time and several times Bank statements, IRS etc. 

XXXX XXXX said moved date to XX/XX/XXXX, I sent him email and voice mail on what that date is for?? Maybe it is a deadline? for foreclosure? 
I will call XXXX again and leave him a message if i can not reach him. 

I know they had mentioned back paying what i was behind in payments as XXXX XXXX told me not to pay until payment lowered, I think XXXX XXXX messed me up. I
Consumer complaint received 2020-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Experian Information Solutions Inc. (CA)

my complainant is against Experian and XXXX XXXX. I went to buy a car and going off my credit on Experian saying it's in the upper 600 and thinking my credit was good only to be denied because it was really low and now its going on my credit report and lowering it even more. Between Experian and XXXX XXXX it's false advertisement. It's going to really hurt my credit now and here i been trying to work hard on bringing up my credit.
Consumer complaint received 2021-03-30
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. (MS)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I have been denied by Equifax office of consumer affairs the right to gain access to my credit file. I called Equifax to have my credit report made available. Upon reaching the office of consumer affairs I spoke to Mrs. XXXX who was very rude and condescending from the start of the call. I was simply indicating that I needed my file made available so I can work to purchase a home which requires a tri merge report. She denied my request and hung up in my face. 

This isn't my first time speaking to her or the office of consumer affairs. Every time I've called Im dealt with very poorly and felt very discriminated by this office. They continue to single me out and mistreat me. As a result of Equifax 's discrimination of me has caused XXXX XXXX and XXXX  and has cost me and my family financially by the negligent actions of Equifax. 

I've been apart of data breaches by Equifax and have had my information compromised as a result of Equifax 's data breeches. I've asked for a manger call back since XXXX of 2020 and haven't received one single call from a manager of Office of Consumer affairs. At this point if Equifax doesn't clear this matter up in a very timely manner I will have zero choice but to sue Equifax in federal for XXXX XXXX   and harassment and discrimination.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (GA)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX XXXX   They gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX  XXXX My phone number is XXXX
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

I sent out a dispute letter on XX/XX/2020 directly to the creditor regarding the validity of this debt. It has been more than 30 days and I have not received any information with proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

They have failed to respond and are violating my FCRA 30 day investigation right.
Consumer complaint received 2021-06-30
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MN)

There are several paid collections from XXXX and Nelnet. The student loan accounts for both were rehabilitated and transferred but several negative dings still exist when I was told from them they wouldnt if I rehabilitated them. Also, I settled a debt to the XXXX XXXX but it is still showing on there too.
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On the date of XX/XX/21 i noticed fraudulant transactions totaling up to XXXX i then filed a claim with wells fargo immediatley after. XX/XX/21 i recieved an email saying my claim was completed so i called wells fargo again after seeing that my momey wasnt deposited back onto my account, and they informed me my claim was denied. They stated that since my pin was used and the chip was read that it all transactions were authorized which os completly inaccurate and XXXX. The card i have still in my position is the card used for transactions but i never used it NOT ONCE plus it was an instant issue card that had NO CHIP. After the 4th person couldnt explain how thats possible and only said at that point with information provided it would stay denied. He told me i can have executive office call me which would tkake 2-10 extra business days. No one is telling me how its possible for trasaction details to say that the card XXXX was XXXX inserted and tapped, or how it shoed chip on there end when the card only swipes.
Consumer complaint received 2020-07-19
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. (OH)

I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX  XXXX  # XXXX, this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment this is not accurate please delete. I have never been late on my PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! 
Information belongs to someone else PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R.M. Galicia, Inc. (CA)

Received collection notice from Progressive Management System in XXXX of 2019. Contacted agency immediately to inform them I had applied and been approved for financial assistance from XXXX XXXX Hospital for whom they were collecting. Told them the amount my bill should only be 50 % of what they were showing due. The representative I spoke with told me " O.K., we will look into this and if we need anything else will be in touch with you. '' Shortly thereafter I received a bill directly from XXXX XXXX XXXX for office co-pays which I knew I had paid at the time of service. The gentleman from the hospital billing dept. explained to me that since I had a past due balance they had been applying my payments to the oldest balances I had open which I assumed included the past due balance with the collection agency. I paid the hospital bill at that time and thought that was the end of it. Recently while paying bills through my bill pay I decided to check my free credit score since I had recently open a new credit card. I have not had a negative mark on my credit report for over 10 years. My report will also show that I have made my payments when due 100 % of the time. I take great pride in making sure my credit rating is not damaged by late payments or failure to pay. When I checked my score I noticed it had dropped almost 50 points. I discovered that PMS had reported the original debt, at the original amount to my credit report. Had I been informed that PMS had failed to investigate I would have gladly paid the full amount just to keep it from not reporting. I disputed the amount of this debt when I received the collection agencies notice and expected them to investigate or at least direct me to supply them with written proof. According to the Brady Decision collection agencies are, at the very least, required to report a disputed debt as so. PMS did not. I do have documents stating that I was and am still approved for financial assistance with XXXX XXXX Hospital. 
The reason I had applied for assistance was because I was off work due to a XXXX. 
I have also included that paperwork.
Consumer complaint received 2019-05-27
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: EQUIFAX, INC. (TX)

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX,
Consumer complaint received 2020-07-20
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. (WA)

I called Chase to submit a dispute against XXXX XXXX charges in XX/XX/2020 because I was promised and owed a refund by XXXX XXXX for flights that were cancelled. Chase gave me a temporary credit for the charges and then in XXXX told me that the dispute was resolved and the credits were permanent. Fast forward to XX/XX/2020, I receive letters in the mail saying that the two credits of {$670.00} were taxable and that Chase " consider the charge valid '' and " issued a courtesy credit ''. I'm thinking, how is this taxable if I'm owed a refund? I called the dispute team and the representative told me that the charges were valid because the airline had responded with their non-cancellation ticket policy even though I told the representative that I had called XXXX XXXX and they have notes on the itinerary that my flights were to be refunded. He even suggested that I was not telling the truth and that there was nothing they could do. I called back in a few days asking for a supervisor and she told me the same thing that there wasn't anything I could do. Now fast forward to XX/XX/XXXX, I finally received a confirmation letter from XXXX XXXX saying that they had refunded my flights ( after I submitted a complaint to the DOT ). However, they shorted me on one of the refunds. They were supposed to refund {$670.00} but only refunded {$490.00}. The issue with this experience is that the disputes department did not do their due diligence and sided with XXXX XXXX and told me there was nothing they could do even though XXXX XXXX had notes on my itinerary that showed I was owed a refund. But now I have an email from XXXX XXXX showing that they were going to refund my flights. It shows that Chase was wrong to side with XXXX XXXX and did not handle this case properly.