davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as collection/charge off. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, Experian, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Consumer complaint received 2020-01-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (VA)

In XXXX, I purchased a home with National City mortgage at the peak of the housing market turned bubble. I had not idea about home mortgages and signed documents that ended up nearly financially draining me. That mortgage was a conventional loan, and I was unable to refinance it. I have attempted get National City, which was merged with PNC, to refinance but they refused citing " I had too much discretionary income for a hardship modification. '' In XXXX, I attempted to get my loans combined for an easier payment, but I could not. 

In XXXX, I contacted the bank to request it again, to no avail. Since my mortgage, including the HELOC, was a conventional loan, I was unable to benefit from programs established to help homebuyers who found themselves locked into terrible mortgages. 

I have XXXX loans with PNC for XXXX house, one of which is a HELOC and another is a variable rate loan. However, for the HELOC all but {$620.00} goes towards principle per year when interest paid is over {$5000.00} per year. The amount of the monthly payment going towards principle varies every month. So for the past XXXX years I have been paying on. the HELOC, I have paid {$65000.00} in interest towards the original balance of {$55000.00} but I still owe {$54000.00}. 

I believe I locked in a bad loan, one of those predatory loans that were given out by banks back in the housing boom, and it's draining me financially. The HELOC is due to end XX/XX/XXXX but I still owe the same amount of money I owed when I got it.
Consumer complaint received 2020-01-09
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. (CA)

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account.
Consumer complaint received 2020-01-09
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: F.H. Cann & Associates, Inc. (AZ)

On XX/XX/19 I received an email saying my check was being garnished XXXX by a company named FH Cann & Associates I was immediately concerned because I have never contracted with this company and I was concerned some type of fraudulent activity on my SSN so I gave them a call and had come to find out that they were garnishing my check for a federal loan that I hadnt received any correspondence from in years and in fact have sent out numerous letters to to try and verify that de debt existed without any response and on my credit report it was noted to be Charged off. Anyways they informed me that they sent mail to an address that I havent lived at in over 5 years and that they can me an opportunity to respond which is a lie. No I have to file a complaint in court for improper service and hope this ends the garnishment and I can negotiate to manage the debt. This is causing me extreme hardship and I hope this can be handled correctly moving forward.
Consumer complaint received 2020-01-10
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. (SC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2020 I charged {$730.00} to my Chase card. I did so because of this offer https : XXXX. There is a {$250.00} cash back offered. The card company is saying this is not valid. But will not give a reason why. This was my first purchase.
Consumer complaint received 2020-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I initiated a dispute with Capital One within the terms of agreement. It was for an XX/XX/2019 purchase which posted on XX/XX/2019 for {$97.00}. The merchant was XXXX. XXXX is a reseller of gift cards. 

XXXX XXXX XXXX ... XXXX {$97.00} XXXX, TX XXXX Purchased : Mon, XX/XX/2019 Posted : Tue, XX/XX/2019 Purchased By : XXXX XXXX Appears on statement as : XXXX XXXX XXXX TX XXXX Case Number XXXX I enclosed to Capital One multiple emails sent to the merchant requesting assistance, first because of a bad link to the gift card and second because the gift card code was an invalid, fake code. 

The company failed to respond to the emails. 

I also sent the actual ( fake ) gift card code that was provided to me. Capital One has the purchased product in their profession. 

A simple check with the retailer ( Kohls ) website or gift card department phone number would reveal that the gift card code was invalid. 

However Capital One never investigated this. 

The merchant provided an unsigned statement saying there was documentation that I used the gift card however failed to provide that supposed documentation. Furthermore the statement was unsigned and not attributed to any name or any title. 

Yet Capital One closed the case without any investigation and despite the overwhelming evidence I provided that proves the gift card was fake. 

This is one of several times Capital One has failed to properly investigate a dispute and instead just pushes papers which violates their own terms. 

Inclusively Capital One was provided with documentation that XXXX  has an F rating with the XXXX and has multiple complaints about it defrauding customers.
Consumer complaint received 2019-07-31
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: Northwest Collectors Inc. (IL)

Northwest Collectors INC-date of payment XX/XX/XXXX for two accounts. I paid it off. When I paid it off I was under the impression, per the conversation with the representative from this company, that the collection would be off my report once I paid it in full. Discovered this was still on my credit on XX/XX/XXXX. I complained to the company on XX/XX/XXXX and called again on XX/XX/XXXX and asked to speak with a supervisor and was transferred to XXXX who said she was the highest supervisor I could speak to. While she was not extremely rude, she did cut me off and over talk me several times. Regardless of what her answer was, she could have waited for me to finish talking. I was told the policy, but also explained that again, per my payment and interaction 2 years ago with the representative that this would be removed off my credit. I filed a dispute with XXXX on XX/XX/XXXX. The results of the dispute were that 1 account was deleted, but the other still remains as of XX/XX/XXXX. Both accounts were paid on the same day.
Consumer complaint received 2020-01-10
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: WELLS FARGO & COMPANY (TX)

Wells Fargo allowed Fraudulent Charges on both my XXXX Credit Card and My Wells Fargo XXXX XXXX XXXX after my wallet was stolen. I reported these charges to Wells Fargo as soon as I learned the Cards were missing after being pickpocketed in a grocery store. Wells Fargo did not investigate the fraud, They temporarily credited my account for one day and then Reversed all of the Fraud Charges back to my account ( s ) When I called Wells Fargo " Claims Assistance Center '' To Discuss the fraud case, I was told that the Investigator had discovered that per " Dispute Notes '' I had previously done business with one of the fraudulent merchants. Which again is not true. This issue wasn't investigated and Wells Fargo is now charging me over {$14000.00} In Fraudulent Charges. I should not be responsible for Fraudulent charges when I reported this promptly and Wells Fargo Terms and Conditions state they have a ZERO LIABILITY GUARANTEE. However as you can see from the screenshots of my online banking. There were " Several Bank Adjustments '' That were not charges not credits mind you. The Lady in the Claims Assistance Center didn't care to hear what I had to say and told me they will escalate my complaint to the " Executive Office '' Which again never heard anything back. I do not have an XXXX Account The Merchant is fraud, Nor Do I do business with a " XXXX XXXX '' Or XXXX Eats. All of these merchants are fraud and I don't even have credentials to login to any of these because they were never my accounts. How can you charge someone fraudulent debt and expect them to pay fraudulent charges when it goes against your own policies and it wasn't investigated either. I already told Wells Fargo I do not do business with these merchants and have not. Additionally one of the charges for a " XXXX XXXX '' they sent a receipt that has no signature on it. Doesn't look like my writing on the tip either. So again, Fraudster used it " Yet wells fargo verified the charges '' Again. I do not believe I should be responsible for fraudulent charges that I promptly reported. These Charges are causing the credit lines to be over for both cards and it's because of the uber charges, the favor charges, and the stub hub charges all which took place online that were not authorized.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-01-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (CA)

I revived a summons from XXXX XXXX XXXX, XXXX. XXXX XXXX. I then called them XX/XX/2020. I spoke to a woman that said they were debt collectors. I asked if I could arrange payments of {$140.00} a month she was aggressive & wanted me to make 12 payments of {$440.00} every 2 weeks. I explained to her I could not do that she then said she needed to speak to her supervisor & she would call me back. Come Monday XX/XX/XXXX I call them to follow up with every call I attempted to make to them the phone seemed disconnected or will not take calls from my phone. The debt collectors name was XXXX XXXX. I can no longer get ahold of them to resolve this debt.
Consumer complaint received 2019-07-31
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. (SC)

The accounts were not a charge off, they were paid off .. I took care of the accounts and they were paid in full.. Remove this error from my credit report asap XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Consumer complaint received 2020-01-08
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. (DC)

On XX/XX/2020, I received an email from Equifax saying that my data may have been breached. On XX/XX/2020, I used the link in the settlement email to confirm that my data was included in Equifax 's data breach. I tried to complete the settlement procedure, but could not recall the name of the credit monitoring service that is currently monitoring my credit. I attempted to log in to My Equifax to determine if Equifax is currently monitoring my credit. 
1. I was informed by my browser that myEquifax is a high risk web address. 
2. I searched on My Equifax and used that link. When I entered my current password, I was informed that my username and password were incorrect. They were not, but I agreed to reset the password. 
3. I successfully reset the password. I attempted to log in with the new password. I was advised that this was incorrect and was told I had up to 3 tries to access my account. I tried to log in with the reset password and was informed that I was locked out of my account ( at only 2 tries ) and that I had to call an 888 number to unlock my account. 
4. I called the 888 number and answered numerous questions about my credit history. I believe I answered questions about my credit history correctly, but was informed that they could not verify my identity and that I would have to send " documents '' to an address in XXXX, XXXX Equifax does not tell callers which documents to provide to reinstate access to their accounts. 
5. I navigated the phone menu to reach a Customer Service Rep - no easy task. I asked to have access to my account restored tonight. He was unable to help me and agreed to transfer me to a supervisor. He asked for a call back number. He then hung up on me and no one ever called me back. 
6. I called the 888 number again. I got another CSR in Sales. He informed me that he could not help me and that the 1st CSR disconnected me as the Transfer button is next to the Hang Up button on the monitor ( great design! ). He transferred me back to the 888 number. I have been on hold for 40 minutes and am still on hold.

7. I would normally walk away from this entire matter - giving up on the settlement - but I want the ability to put freezes on my accounts and lift them. Equifax 's level of service and the complete incompetence of this organization does not give me any comfort that my information is being appropriately safeguarded and that persons who are authorized to access my information can gain access to it. This is completely unacceptable.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Holloway Credit Solutions (GA)

Holloway Credit solutions hired by XXXX XXXX XXXX hospital is reporting an inaccurate collections account and amount. The hospital had a billing error and when researched by my insurance carrier the issue was resolved as an error on the part of the hospital. I never owed the amount they sent to collections. The representative from XXXX XXXX XXXX XXXX clarified with both Holloway and the hospital that this amount was not my responsibility and the situation was resolved as the hospitals billing error. There should never have been any collections efforts made on this account and it should not be reporting on my credit report as the error was not mine. Ive filed complaints with XXXX  and XXXX  to help resolve the incorrect reporting. However, this has been a hassle for over 6 months now. It has taken significant time and frustration and it is still not correct nor resolved correctly on my credit record. It needs to be corrected.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I have been trying to remove the security freeze off of equifax for 30 days. I'm so tired of these foreign people. I've sent in passport, drivers license and utility bill and they keep giving me the run around. Talking about I have a mixed file. I have no issues with XXXX  or XXXX. I just moved and updated my address with all 3 credit bureaus and sent in all documents. I will also attach documents along with this complaint. I keep getting hung up on when I call. So I want to file a complaint and if this doesnt get resolved. I will file a law suit against Equifax.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ERC (CA)

Enhanced Recovery Company LLC. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about an item on my credit report. 
I recently retrieved a copy of my credit report, I noticed a collection account for {$340.00} from ERC and immediately sent a Certified Letter to Enhanced Recovery Company LLC on XX/XX/XXXX. Requesting that they provided proof of this alleged collection account number XXXXXXXX and the alleged agreement with MY SIGNATURE. As well as documentation detailing the XX/XX/XXXX date in which this alleged collection account became delinquent. 
After receiving no response to my First Certified Letter requesting to see any Original Contract or Service Agreement WITH MY SIGNATURE I mailed a Second Certified Letter on XX/XX/XXXX as evidenced by my receipts from the post office that I have provided. As of XX/XX/XXXX Enhanced Recovery Company STILL HAS NOT PROVIDED ANY DOCUMENTATION THAT BEARS MY SIGNATURE, nor have they provided me with the alleged delinquency date nor complete accounting of the alleged debt of {$340.00}. 
I wish to see the Original sources of the information reported, including but not limited to, the Original Contract or Service Agreement WITH MY SIGNATURE. If you can't provide me with this information, please REMOVE THE ACCOUNT IMMEDIATELY as neither your agency nor I can verify that this account information is being reported accurately. 
The First violation is that Enhanced Recovery Company inserted this unverifiable, inaccurate entry on my report and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of the Two Certified Dispute Letters I mailed them.

This is a conscious, willful and blatant FDCPA violation. Enhanced Recovery Company must IMMEDIATELY DELETE this erroneous entry from all of my credit reports. 
Enhanced Recovery Company is refusing to respond to my request, yet they continued to report this inaccurate and unverifiable entry. 
Enhanced Recovery Company delete this entry immediate and provide me with a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry as well.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX continuing it's XXXX XXXX INSTITUTIONAL XXXX negligent business practices of inaccurate erroneously reporting my payment history so as to suppress my creditworthiness, and employment viability. Per that attached XX/XX/XXXX credit report, XXXX is reporting my XX/XX/XXXX mortgage payment to XXXX XXXX XXXX as 30 days late when the payment was CLEARLY made XX/XX/XXXX per the attached XXXX XXXX XXXX branch location receipt!!!
Consumer complaint received 2020-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX ( midnight ), an ACH of {$120.00} was done using XXXX XXXX 's system from a XXXX XXXX  account to a CapitalOne account. CapitalOne claims that it did not go through the system, and furthermore claims that federal law requires them to wait 4 business days before posting the amount. It is my understanding that this is inaccurate, as the receiving institution must post this amount as soon as the ACH system transfers the funds.