davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I had what I believed to be a joint account with Capital One with my ex-husband. The account was opened in XXXX ( by me and using my e-mail address ) and the current credit line was {$11000.00}. We divorced in XXXX and I have been making the payments on the account since that time. The bills come to the house that I own and all payments have been made from my individual checking account. My name is on the bills ; was on any transfer checks that were sent ; and the account appears on my credit report. My ex-husband decided to cancel the account on XXXX XXXX and was able to do so without my knowledge or consent. Capital One is saying that he is the primary cardholder and has the right to do that. This does n't seem fair as I am the one that has made all of the payments for the last 10 years and the one that made sure each of those payments was made on time for the last 16 years. It appears discriminatory to me that my 16 year credit history can be wiped out as well as the {$11000.00} of available credit being taken away from me without my knowledge and without any options for saving my record being offered to me by Capital One. I have called multiple times and written XXXX letters to no avail.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (CA)

My loan was flagged for bankruptcy. I called Union Pacific and was told I could not fix the problem since I had filed for bankruptcy in XXXX. I live in XXXX, XXXX and my mortgage with the company is for a home in XXXX. I had to call numerous times and finally was transferred to XXXX XXXX the bankruptcy representative. He did some research and stated that I had filed for bankruptcy in XXXX. I informed him that was impossible and may be a case of identity fraud. After doing research XXXX found out that there was an individual with the same name and same last XXXX numbers on social. However when he researched looked for the birthdate and whole XXXX digit social it was different. XXXX promised the issue would be resolved and I would never hear of the issue again. It has been a several months and It has showed up on my credit report the last time I checked. I can not log into my Pacific Union account as it is still flagged as having bankruptcy. Pacific union should have verified all the information before flagging me as
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several companies that are showing bad credit for accounts that are over 10 years old. All the negative remarks are wrong except for the medical debts that were acquired in the past 3 years everything else is well over 7 years old.
Consumer complaint received 2018-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stanislaus Credit Control Service, Inc. (CA)

I checked my credit score and noticed it had decreased and there was a report stating i was in collections. I gathered the information and attempted to call them. After calling them 4 times i got a hold of someone who then transferred me to the agent XXXX, she started the call extremely rude asked for my addressed and i let her know i never received a noticed since the address on file was incorrect she said they did not receive a mail back so the address was correct even though i stated the address was incorrect. I asked if there was a way to dispute and she stated i could not dispute the balance. In the beginning of the phone she let me know the balance was for XXXX then later on the phone call told me the balance XXXX since there was interest charge. She did not state her mini Miranda, she did not let me know the call was being recorded and hung up on me and was extremely rude and sarcastic and also lied about the balance on my account. She did not let me know if collection activity would continue. I called again to get the balance resolved and she let me know that i could not dispute and to talk to her manager. After i spoke with her manager she also did not do much. She did not tell me call was being recorded or the mini Miranda, she said she could give me a discount but did not offer to let me dispute the account. After i told her they had the wrong address she did not gather the correct address information and let me know i can dispute and rushed me off the phone without giving me details on how to dispute. I had a XXXX XXXX right after the call because of manipulative and rude behavior. The agent I spoke to was XXXX and her supervisor was XXXX. I do not owe this balance. The services were never provided. They broke FDCPA laws and HIPPA laws. I feel harassed and nothing was ever provided to me regarding the outstanding balance.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom may concern : On XX/XX/year> i submitted an application for a forbearance plan to XXXX Bank, the reason that i have to summit an application for forbearance plan was because on XX/XX/year> i have to pay XXXXXXXX XXXX the amount of {$6900.00} because my Escrow balance was short and in order for my payment do not go higher i has a friend to borrow me that money, since that i been trying to get in track with all the bills because i had to pay my friend that amount of money, that's why i decide to contact XXXXXXXX XXXX on XX/XX/year> and summit an application for a forbearance plan.At the moment that i summit the application i contact XXXXXXXX XXXX i they told me that i was protected for the forbearance plan and was not going to hurt my credit score.Now i just find out that they are reporting 1 miss payment and my credit score has drop more than XXXX points.Also now i'm back in track and i have made all my payments on XX/XX/year> i paid the month of XXXX, on XX/XX/year> i paid the month of XXXX, on XX/XX/year> i paid the month of XXXX and XX/XX/year> i paid the month of XXXX. I call then again on XX/XX/year> and i have requested to remove the forbearance plan and i call today XX/XX/year> again and the haven't removed yet.
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I continually am having issues with Equifax and their horrible customer service and their complete disregard for keeping accurate records in numerous regards. I keep having an account that has been wiped from my responsibility reinserted by Equifax causing a derogatory flag to report on my credit file. This has been settled and the maliciousness of Equifax is apparent with their reinsertion a month or so after they remove it when I complain to the CFPB. Action needs to be taken against Equifax for their complete disregard for keeping accurate records. Even Equifax has lost track of who the account was from and is reporting a derogatory account from a nameless collection agency regarding a medical account in the amount of {$630.00}.
Consumer complaint received 2018-10-08
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. (CA)

I am able to get a Credit Report from every Credit reporting Agency accept TransUnion. When I call it is as if I am speaking to two different agencies. One person says one thing and gives me a number to call. When I call that number I get different information. In XX/XX/XXXX ; I tried to view my credit reports via XXXX XXXX XXXX. I was able to view reports from XXXX as well as XXXX but not TransUnion. I phoned TransUnion to inquire about the problem. I spoke with three representatives. Two gave me false information about logging in to the website to view my credit report. The last rep told me he was unable to access my credit report but he asked me if I had a credit card and wanted to verify my E-mail address. He then told me everything that was on the credit report even though he said he could not access it. I emailed XXXX   XXXX XXXX to inquire if I could report TransUnion for possible Fraud. Two weeks later on separate days, I received two letters from TransUnion stating I needed to verify my personal information. The first letter was three pages long front and back. The second was one page front and back and looked as if it was a copy. Both had the same information but different file numbers to inquire about. I discovered in XXXX that I had been a victim of Identity Theft. I believe someone at or affiliated with TransUnion is responsible as well as a former employer. I was asked to call with this file number on the three page letter from TransUnion : XXXX mailed from XXXX Alabama Permit No. XXXX.The letter that appears to be a copy has the file number : XXXX US Postage Paid XXXX .
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2016-09-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I have previously sent a letter asking that someone look into the loan practices of Wells Fargo Home Mortgage, and to date I have received absolutely no no help. I am hoping that now, someone will check into their loan accessing fee fee 's for late payment that have been paid. yet it never be taken off the loan. 
I have pad XXXX late fees. and sent them to the person over the cu Customer Care group, XXXX XXXX. Who is the Executive Resolution Specialist This was previously sent to the Federal Reserve Consumer Help. The reference # is XXXX. I am writing because my sister is deceased and and it is impossible for me to get this resolved. In that I am not on the loan, but I have sent the information that my sister quit claim deeded it to me along with her death certificate. I am paying the loan through my bank account.
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

In XXXX of XXXX, I opened a Citigold account using the promotion code XXXX, which awards XXXX XXXX XXXX miles after {$1000.00} in debit card purchases and bill pays in XXXX consecutive months. I was unsure if I was eligible to use the promotion code so I confirmed via the CITI messaging on my account. On XXXX/XXXX/XXXX I received confirmation from Citi CSR XXXX XXXX XXXX XXXX XXXX ) that " this is the offer you are eligible for '' ( see attachment ). 
After meeting the requirements, I confirmed via secure message that the requirements were met and my miles would be awarded. I received confirmation on XXXX/XXXX/XXXX from Citi CSR XXXX XXXX ( see attached. XXXX XXXX ). 
I was told they would be deposited by the end of XXXX. On XXXX I sent a message confirming that my miles would be deposited in XXXX and received a response on XXXX stating that I was no longer considered eligible for the promotion and " that meeting the requirements does not confirm eligibility. '' I followed up on XXXX with a chat with a Citi rep and she resubmitted the 'investigation ' and told me it would be completed within XXXX2 business days and I would receive a message. When I did not receive a response, I followed up on XXXX to inquire about the investigation and ask for my fees to be waived and was told via secure message that there is no timeline for completion of the investigation Citi will not waive my fees. I have now waited 13 days since the initiation of the second investigation. 
Citi 's practices in this matter are fraudulent. Their CSR 's clearly confirmed my eligibility, completion of requirements and estimated date of miles being deposited. They have not stood by their word. I am especially incensed that they continue to charge me fees even though they are not completing their end of the agreement.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (CO)

I work for a member of XXXX who was the unfortunate victim of identity theft and the criminal opened a CashApp card using the victim 's information. I mailed a formal dispute with all of the required documents under the FCRA to have to account confirmed as fraudulent to CashApp on XX/XX/22. After no response from CashApp I attempted to call them on XX/XX/22. The first issue is that CashApp will not allow people to wait on hold and will only allow a call back. However, upon their first call back they played a recording stating they're sorry they missed me and disconnected the call. After my second attempt, upon their call back I spoke with a representative who did not provide their name or identifying information. I explained that my member was the victim of identity theft and I needed an update on the formal dispute I mailed to them. The rep asked for the phone number or email on the fraudulent account. I tried to explain to the rep that a criminal will not put the victim 's real phone number or email on a fraudulent account so I don't have that information. The rep claimed he could not help me. I asked for a supervisor and the rep stated he was unwilling to get a supervisor and hung up the phone. Upon my third attempt and call back I spoke with a rep named XXXX. She would not provide any additional identifying information and would not let me know the rep I previously spoke with. I explained the situation and that I would not have the phone or email listed on the fraudulent account, however that I have formally submitted all the documents required under the FCRA to confirm an account as fraudulent and that CashApp is required to confirm the account as fraudulent upon receiving these documents. XXXX put me on hold for some time and then asked for the XXXX tag on the card. I advised I do not have this information either but I could provide the victim 's address, DOB, or full SSN. XXXX refused to take any of that information. I asked for a supervisor again. XXXX refused to provide a supervisor, but said she would have a supervisor email me back. I provided my email address and advised I would be reporting their company to the CFPB. XXXX did not seem to care about that. I did not receive an email from a supervisor. Instead, I received an email from XXXX asking for the same exact information she asked for over the phone. After all of this extremely unprofessional conduct and blatant violations of the FCRA I decided to file this complaint. I have attached the dispute paperwork that I sent CashApp on XX/XX/22 along with the email that XXXX sent me instead of having a supervisor contact me. I would like CashApp to close down the fraudulent account and confirm it as fraudulent. I would also like these reps to be reprimanded on their conduct and for CashApp to change their shady business practices.
Consumer complaint received 2015-06-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. Case Number XXXX.
Consumer complaint received 2018-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (IL)

DIVERSIFIED ADJUSTMENT sent me a letter informing me of a debt that I don't owe so I responded saying this is not my debt and do not report to the CRA 's. They sent my a bill and then reported to the CRA 's. I ask them to remove it from the cra 's and send me a copy of their business license to operate in the state of ILLINOIS I have not gotten a response.
Consumer complaint received 2016-05-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (CA)

Macys and Citibank, on behalf of Macys making harassing phone calls after the fraud charges were removed from my account. They neglected to removed the fees and interest charges associated with the fraudulent charges!
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

calling and hanging up calling no less than 3 times a day up to 6 times calling after they have been informed of a date i plan to pay the debt. 
i paid a debt off on XXXX XXXX the last payment being XXXX they insist i missed the XXXX paymemt in XXXX of 2014. 
also calling.multiple times back to back
Consumer complaint received 2017-02-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

I was a victim of identity theft and noticed a collection from WAKEFIELD & ASSOCIATES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against WAKEFIELD & ASSOCIATES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

Hello. Ihave had a Macys card for decades. Almost always I pay the card in full every bill. For the last year or so ... I receive the bill online. I log on IMMEDIATELY and pay in full. However, the nenxt month, without fail, I am billed anywhere from {$1.00} to {$5.00}. I then have to call and ask what this is ... as I have paid the bill in full the same day it was received. I am told it is interest. I tell them I have paid the bill in full as per the EXACT amount they billed. The rep has waived the interest lately but today I have another bill for {$300.00}, and it is the same thing. It is a holiday and I do n't want to have to deal with this again. This seems illegal and certainly unethical. I have every email and bill and payment saved for verification of the payments made. Can something be done about this? Why show an amount due on a bill ... it is paid well before it is even due and then there is some arbitrary balance? The Macys card seems to be through Citi. XXXX
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (NJ)

I XXXX XXXX received a notice from XXXX around XXXX XXXX. 

This letter i docT XXXX an amended complaint to add Legal Trust BY US Bank Ntional Assocition Personal Representatives vs XXXX XXXX et al. 

I am the alleged investor where I own these investments as 3rd party beneficiary thorugh my ownership through XXXX, and my barcley shares and through XXXX XXXX XXXX and XXXX. 

What the problem is these investments are unsecured debt and that is supported with my claims with the IRS Criminal Division which are attached dated XXXX XXXX, XXXX. These assets were backdated and never funded the trust and would be subject to 100 % tax penalty and there are multiple servicers. 
That is supported with the XXXX XXXX letter dated XXXX XXXX, XXXX where XXXX is the servicer and another letter from XXXX XXXX dated XXXX XXXX, XXXX from XXXX XXXX where XXXX is the servicer. 

XXXX XXXX did assignment on XXXX/XXXX/XXXX where she backdated the assignment not complaint to the tax code to fund trust XXXX CFR XXXX XXXX REPORTING WHICH IS GOVERNED BY NY LAW AND FORM XXXX FROM ORGINATION OF TRUST TO THE TRANSFERS TO DATE FORM XXXX FILLED XXXX/XXXX/XXXX XXXX XXXX XXXX FORM XXXX FILLED XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL FORM XXXX FILLED XXXX/XXXX/XXXX XXXX FORM XXXX FILLED XXXX/XXXX/XXXX MERS THERE are multiple mortgages on this house unsecured debt and supported by the XXXX XXXX case. 

this matter is being disputed under the fdcpa i need complete history under qwr and diligent inquiry and any forced placed insurance and distued under sox act sec XXXX and other sttures ture act as me being an investor and the trustee indebture act and filling false and misleading states i also must point out i am the expert under rule XXXX and sincece where such assignments are not produced are admission of guilt under XXXX v. Texas. since a fiduary responsibility is required to file such tax forms and you now know these debts are unsecured qnd sending false and misleading information is allegedly mail or wire fraud. I also did receive credit offer from XXXX XXXX which is on file with the CFPB already. The amounts are false and misleading as well and possibly forced placed insurance.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Company is trying to collect on Capital One Credit Card XXXX that was forgiven by Capital One and I paid taxes on the forgiven amount. Company is also trying to collect on a XXXX credit card and sent a summons to my home without a court date and I was never sent anything with their intents to prosecute. After having this company use illegal collection practices, I do not wish to deal with them and refuse to pay debt I do n't owe.