davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (WI)

This is in regards to my Discover credit card. It has a limit of {$7400.00}. My current balance is {$7200.00}. My total credit card debt is over {$15000.00}. I am currently unemployed and I am pursuing a different career path to better take care of my family. I have a son who is almost XXXX and a fiance. At my previous job of 6 years I was only making {$16.00} per hour or about {$35000.00} per year which ended in the middle of XX/XX/XXXX. I am currently cashing out my 401k to pay off some of these debts which is about {$18000.00}. Most of this debt came from the past 3-5 years. After our son was born, my fiance, did a 2 year XXXX XXXX at a local XXXX college. I paid for almost all expenses while she was in school. We didn't qualify for anything more than XXXX ( in Wisconsin ) as secondary insurance for our son. This kind of economic condition resulted in my current situation. I will take part responsibility as I could of been more careful with money. Back to Discover, I had submitted a secure message on XX/XX/XXXX through their website under the topic of " credit assistance request. '' Asking for help to remedy my situation and that I was exploring bankruptcy options at this time. I also included some details on my situation such as currently unemployed. I also opted out of automatic payments through this same message. The payments are scheduled on or around the XXXX of every month. I requested that the email me or send a secure message through the site and that we could schedule a phone call as it would be easier for me. These automatic payments have been going on for over 3 years now for the minimum payment amount. To my surprise, they still haven't gotten back to me and it's a good thing I had enough money to cover the payment from my last paycheck.
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (OK)

Issues with Discover Price Protection Claim. 

I purchased a TV on XX/XX/XXXX for {$1300.00} using Discover Credit card with an online retailer. 
I noticed the same item was on sale on XX/XX/XXXX for {$1100.00} through a different online retailer. Rather than returning and re-buying, I decided to use the Price Protection benefit  offered by Discover Credit card for the difference in the prices which is {$250.00}. 
For this claim I submitted the following documents as requested by the Discover Benefits XXXX following all directions correctly. 
1. The Sale receipt showing the price I paid ( {$1300.00} ). 
2. Credit Card Statement from Credit Card showing that I used their card for purchase.

3. Lower-Price Ad ( Screen shot or scanned copy of advertisement showing the lower price ) - I submitted the screen shot showing the date that the item sale price.

I have 90 days to submit the claim. I submitted within the first month all the above. Now the Discover Benefits center is not processing my claim telling that items are missing. 
They sent an email saying this, " We were unable to verify the advertised sale price. Please submit verification of the sale price. The verification may be a written statement from the store manager on store letterhead, email, or chat session including item number, description, date, lower price and contact number '' If they required such things to process their Price Protection claim they should have mentioned these list in the first place. In terms and conditions they have not mentioned the requirement of any of these.

Now dating back I am not able to get the online vendor to verify the price for me. There is no use for me to resubmit the Price Protection with the same or different vendor as the prices have gone back up to {$1300.00}.

Although this Price protection feature is going to be discontinued from XX/XX/XXXX, I will be very reluctant to use any of the benefits that a credit card claims. 

Talking to the Discover Benefits center customer service or manager did not help as they keep repeating the same thing that they could not verify the price that I claim as they do not trust the screen shot from my computer. In that case they should not have the ask for screen shot to process the claim if you do not trust it. I am extremely unhappy about the way Discover is handling price protection claims.
Consumer complaint received 2018-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for capital one credit card online because I suspected mine and my daughters information had been misused with them in the past. They were the only card at the time that would not deny my appication. Then, when I got the card that I provided my social security number and current spelling of my name XXXX XXXX XXXX, they sent a card with the incorrect spelling of XXXX XXXX instead. The card needed activation. My phone number is compromised and therefor I was not able to activate it. I already have been told by police that I have " lost my identity '' although I dont really know how to get it back. after attaching my card to the user name XXXX and they implied that I had a checking account with them in the past that I am not aware of they allowed me to change the password to the online user XXXX. I insisted I need a fresh foot to stand on and I should be able to activate the card. They said, no, we will activate it for you. I was very upset and said to them '' Do NOT '' but they said it is too late and they said you can use the card now. Since I had no other at the time I began to use it. Then, I called them again about some other problems. Then, I noticed that the card they gave me was not reporting in realtime on the CRA that I had access to. They escalated to supervisor and said that they had 30 days to put it on my CRA report but as soon as they put it the account was deleted without explanation. I told them that I have learned how to swim in fraud as I have no other choice at the moment. Then, they called and said that I am not responsible for the balance but did not explain why as it were all my purchased. They also would not close the card. I disputed it with transunion and it was deleted XX/XX/XXXX they send a letter saying taht I am in erroer because my claim with CRA is not fraud.
Consumer complaint received 2018-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I am currently in chapter XXXX bankruptcy. Wells Fargo has misapplied payments I have made for current monthly mortgage payments. Wells Fargo has represented on recorded phone calls they can't distinguish between payments I make monthly and payments the chap XXXX bankruptcy trustee makes monthly. 

My payments are for a full mortgage payment, this year I was told to pay XXXX beginning in XX/XX/2018, then in XXXX after filing a complaint, I learned Wells Fargo should've asked for the courts permission to increase my payment but did not do so until XX/XX/2018. They then withdrew their request for a payment increase-stating it was submitted in error and stated my monthly payments were XXXX effective XX/XX/2018. 

Trustee payments should only be applied to the pre-bankruptcy filing debt. Not current monthly payments. 

Wells Fargo did not begin accepting payment from me again until XXXX. 

These are the payments I have made in XX/XX/2018 Date Amount XX/XX/2018 {$4900.00} XX/XX/2018 {$1300.00} XX/XX/2018 {$1400.00} XX/XX/2018 {$1400.00} XXXX Contacted by Wells Fargo Bankruptcy department to tell me the results of my audit that took place XX/XX/2018 XX/XX/2018, did not need to make a XXXX payment. Pay in XXXX. I had enough in unapplied funds to cover XXXX 's payment. POC XXXX XXXX-Manager. Was told it would take 72 hrs to post funds to my account. 

XX/XX/2018 {$1400.00} XX/XX/2018 {$1400.00} XX/XX/2018 {$1200.00} XX/XX/2018 {$1200.00} Total Payments from me : {$14000.00} So I've actually overpaid my mortgage XXXX-XXXX-Where 's  that money showing on my account. 

Yet wells fargo has filed a notice with the court indicated I have not paid XX/XX/XXXX-XX/XX/2018. They are now trying to foreclose on my home even though I've been making monthly payments. This has been a reoccurring problem since being in bankrupty. Wells Fargo does not know how to handle accounts in Chapter XXXX bankruptcy. 

Now one of the reps who are assigned to my now 2 open CFPB complaints are returning my phone calls nor have they completed processing of my complaints. I have not heard from the latest rep assigned since XXXX even though I've left several messages. 

# 2-XXXX XXXX has given me inaccurate reinstatement quotes on my loan, usually XXXX plus dollars. Now suddenly a new note has been added to my statement showing my pre-bankruptcy debt was {$17000.00} and thus far {$9.00}, XXXX has been paid. I still owe {$7800.00} with is XXXX less than the reinstatement ( get my house out of BK and get back on normal payments ) So which figure is correct. 

# 3-I have two open complaints that have not been resolved since XX/XX/2018-now no one is returning my calls. Last contact was XXXX and I've left several messages.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I have no knowledge of this debt and who this company or who there client is. Other then a notification from my credit monitoring service indicating that derogatory information was being reported to all three agencies by this company is the only thing I have. I would like to point out again I have no idea who this compony is and I have received nothing from them. I don't understand why organizations like this think that they can bypass and violate the FDCPA and it's governing laws and informed consumers will just stand by and do nothing. If this information is not removed from all three agencies immediately I will move forward with other options available to me to correct this situation.
Consumer complaint received 2018-10-10
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. (NV)

I recently received a copy of my credit report and I found a number of items on the report that are inaccurate. XXXX XXXX. I always make it a point to pay my obligations on time. If you take a closer look on my credit report there are only two accounts which are derogatory. This is a mistake, please have it taken cared of by deleting it
Consumer complaint received 2018-10-10
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: Bread Financial Holdings, Inc. (KS)

I have a XXXX XXXX Credit Card with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in 2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.
Consumer complaint received 2018-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent a written dispute twice to TransUnion by registered mail. I do have copies of receipt and stamped documents that they did receive my dispute. The first time I sent a dispute was XX/XX/2018 I received a copy of receipt that they stamped on XX/XX/2018 I did not receive any information regarding my dispute. The second time I sent a written dispute by registered mail was on XX/XX/2018 and I have a receipt that they received the documents XX/XX/2018. I have called TransUnion numerous times. They say that they have never received a written dispute by registered mail from me. But as I said I have documentation that they did receive my disputes. I have spent time and money to get damaging information off my credit report. Along with my credit dispute, I sent documents that would would support the accuracy of my disputes.
Consumer complaint received 2018-01-28
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one is reporting a 30 day late on each of my credit cards. Contacted Capital one and was told payments were made on time and these were inaccurate. And they filed a dispute and said they would be removed. That has not happened.
Consumer complaint received 2018-09-10
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: Experian Information Solutions Inc. (TX)

Experian, XXXX, and XXXX were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.
Consumer complaint received 2018-10-10
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. (IL)

My first attempt to apply for credit happened mid year XX/XX/XXXX when I pulled my credit report for the first time and noticed several discrepancies. I contacted Equifax Information Services by  mail questioning these discrepancies who gave me a list of things to do. I also filed a complaint with the XXXX Police Department because my information had been stolen and obviously used. I provided Equifax Information Services with each and every document they asked me to provide and still go no resolution but a returned form in the mail stating that the information had been verified. Since XX/XX/XXXX I have sent Equifax a dispute letter almost every month with no results. I have sent an Affidavit, A copy of my SSC, a copy of my drivers license, proof of my address, my police reports, and continuous dispute letters paid for by certified. I have asked for account information and verification in all of these letters but have yet to receive anything but the same credit report stating that the information has been updated and verified for the past two years. I'm am overwhelmingly frustrated, discussed, and disappointed with the unlawful and unfair treatment I have received by this company. Equifax is reporting inaccurate information that I owe XXXX XXXX XXXX {$2400.00} account opened XX/XX/XXXX. They are reporting that I owe XXXX XXXX XXXX {$4800.00} opening that account XX/XX/XXXX. They are reporting I have an account in collections with XXXX XXXX in the amount of {$100.00}, come on who lets {$100.00} go into collections. They are reporting that I owe XXXX XXXX an unknown balance for an account opened XX/XX/XXXX and The US Department of Education several amounts on various days. Again, I have disputed these account on various occasions over the two years and hadn't received ANY requested verification. These things have excluded me from living a normal life and being able to obtain credit and purchase a home for myself and my family. I would like some help in resolving this matter.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Had a tax liens filed for {$150000.00}, {$6400.00} and {$2000.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I moved to Nevada in XX/XX/XXXX and filed Chapter XXXX Bankruptcy in XX/XX/XXXX. 
All items items were included in the Bankruptcy and was discharged XX/XX/XXXX. All are currently reflected on my Transunion credit report.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This morning I received an email from " TransUnion '' dated " XX/XX/2018. '' It inaccurately stated that my " ( Federal ) Student Loan '' was " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' in its entirety ).
Consumer complaint received 2018-09-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I was alerted last year via email from Equifax that my personal information had been compromised in the breach and to fill out the form via email for the Equifax trustedid to keep an eye out on my credit report and any changes to my personal info. A few months later a XXXX XXXX XXXX XXXX  was reported on my report for {$1900.00}. It said it was collecting for XXXX. I called XXXX to verify this information and was told that my name was not in their system. I then called XXXX XXXX XXXX and informed them that I spoke with XXXX and told them what XXXX had informed me. I asked XXXX XXXX XXXX to send me supporting documents regarding this account and was told by XXXX that i would have to send them a self addressed stamped envelope with a piece of paper that had my name, address and social security number on it and they would send me the documents. This didnt seem legit so I then disputed this collection online with all three credit bureaus. After 30 days of the dispute XXXX deleted the collection from my account yet Equifax and XXXX told me the account was verified. I asked XXXX/XXXX  for these supporting documents. After never receiving the documents that supported XXXX XXXX XXXX verification, I sent in letters to XXXX and XXXX. I waited the 30 days for a response and i never received one from neither XXXX, XXXX  or XXXX. So i sent in another round of letters after 45 days and again I never received anything from XXXX, XXXX  or XXXX. Then again I sent in another round of letters after 60 days and again never received anything from XXXX, XXXX or XXXX. I once again sent in letters after 90 days and still havent received not a single notification from XXXX, XXXX or XXXX regarding this collection account. It had been over 100 days so i contact Equifax on XX/XX/2018 and after being on the phone for over 45 minutes with multiple reps i was told by a rep named XXXX id XXXX the reason I didnt receive any responses from them is because they didnt have my correct email address so they couldnt send me anything and that my id, social security card and birth certificate was dark and they couldnt understand it. I dont know how a company like Equifax that has your email address that sends you emails regarding the breach and updated information pertaining to your credit report dont have your correct email address. I just received something from XXXX via email. Please help me with this matter.
Consumer complaint received 2018-10-10
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. (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX {$3000.00} REV {$1100.00} {$35.00} {$0.00} XXXX XXXX XXXX XXXX CUR WAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX