davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
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. (WI)

Transunion case # XXXX & XXXX Credit card for XXXX store. THIS case is against both of them as a ) this issue never became one and b ) Transunion ruined my credit score downward my -10 points for something not my fault. 

In either XXXX or XXXX of XX/XX/XXXXI made a purchase with a brand new, just that day, XXXX card. The total ended just under {$18.00}. I 'd just moved to this city in XXXX, MN XXXX so it was first shop at this store. 
A few months later during the move it occurred to me I 'd not RECIEVED any mail from XXXX and oh my gosh! I 've not paid my bill! 
I quickly called, explained why I was late the few months, paid it in full and THAT WAS IT. CARD PAID OFF. 
So explain to me why I 'm being sent to collections and I have numerous days on my account that I 'm past due? I called and paid it!!!! 
Plus I called in XX/XX/XXXX as I saw action on this closed account and I thought I was being used by identity theft!!! I called immediately and was about to call anyone I could but thankfully I had someone from XXXX on the line saying all was fine. 
FINE??? WHY IS MY CARD STILL SITTING IN ACTION BUT NOT BEING " USED ''? 
WHAT IS XXXX DOING TO ME? 
I beg you to please help as I do n't trust whatever is going on. 
THANK you kindly, XXXX XXXX
Consumer complaint received 2017-09-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX XXXX and my daughters name is XXXX XXXX XXXX. We own a single home at XXXX XXXX XXXX, XXXX, PA XXXX at which we reside, XXXX XXXX. XXXX in XXXX XXXX. XXXX name is on the note from Wells Fargo XXXX. 
In XXXX of XXXX XXXX husband, XXXX XXXX, XXXX, and of course that lead to financial upheaval. 
I tried to help her as well as I could but had my own financial debacle in XXXX XXXX thru XXXX XXXX XXXX XXXX applied for a modification three times and appealed. The decisions on XXXX, XXXX, and XXXX were all denied. 
XXXX filed Chapter XXXX bankruptcy on XXXX XXXX, one day before an answer was due for due for foreclosure. XXXX refiled on XXXX XXXX, XXXX was dismissed on XXXX XXXX. 
We received Notice of Sheriffs sale for XXXX XXXX, XXXX. 
Our complaint is that Wells Fargo, et al. used deceptive practices to affect a foreclosure and sale of XXXX XXXX XXXX. They used dual tracking in violation of the XXXX XXXX XXXX XXXX XXXX. The assignment of the mortgage is void under the XXXX and New York State Trust Law, the SEC, and IRS regulations ( tax exempt status can be withdrawn if there are any irregularities in the assignment. The assignment was 8 years after the closing date of the trust in violation of New York State trust law. 
Exhibit 1 Information on trust law ; which verifies the assignment is void Exhibit XXXX XXXX Banks definition of Trustee Obligations ; Exhibit 13 Information on identifying fraudulent mortgage documents ; Exhibit 4 Fraudulent mortgage documents also void by XXXX XXXX XXXX ; Note to Exhibit XXXX XXXX XXXX is a known Robo signer- transfer ( assignment ) was made 8 years after Trust was closed, Exhibit 5 Information regarding a proper assignment with the Declaration on the bottom of the page. 
We have much more information : Start of Application for Modification ( XXXX of them ), XXXX XXXX Notice XXXX XXXX XXXX days after filing Chapter XXXX, Stay of Execution was not filed until 19 days after filing XXXX XXXX Chapter XXXX. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX Same Address XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please call XXXX XXXX for more information or questions We need help
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center (NY)

On XX/XX/XXXX I received an invoice from XXXX XXXX with the invoice amount broken down as following for a services claimed to have provided in XX/XX/XXXX : Account number : XXXX Patient payment : {$0.00} invoice balance : XXXX I called XXXX the next day and inquired why I received this invoice as I had full coverage of NY XXXX through XXXX with {$0.00} co-payment? Hospital rep informed me that this invoice is only for information whilst the payment will be settled with insurance company and I do n't need to worry. I kept the invoice but did n't note down the exact date and time of my phone call with XXXX. 

on XX/XX/XXXX I received a letter dated XX/XX/XXXX from Debt collection company ( XXXX ) ( Account # XXXX ) notifying me of the debt claiming that I owe {$640.00}. I called the debt collector but was not offered any assistance. While I am trying to contact the XXXX, I am afraid that I need assistance of your bureau to make sure both XXXX and XXXX give this matter due consideration to sole the problem with insurance company and necessary information is provided to me for appropriate action. 

For the medical assistance which XXXX has offered, every single step is taken as instructed by my XXXX who is also the focal point to advise regarding my coverage and to seek approval of insurance company for the expenses. All medical assistance which I have ever received from this medical facility, endorsed by my XXXX include urgent care-outpatient assistance, regular medical check and relevant normal process. None of the medical assistance were ever doubted or advised by my XXXX to be outside my insurance coverage. I believe that the XXXX processing associate may have been mistaken to omit my insurance which is after almost two years and last year 's assurance that this invoice will be settled with insurance, is made my problem with XXXX assistance offered from debt collector.
Consumer complaint received 2018-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

Borrowed money from XXXX XXXX and now they are suing me for {$6000.00} more. I have borrowed a total of over {$4000.00} and have paid in over {$11000.00}. They are charging 279 % APR. In the fine print it says that 31 % is interest and tje rest is a customary fee! They are a predatory company. I have paid well over what is owed. How can I fight this and help others from falling into the same trap?
Consumer complaint received 2018-01-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services (MO)

I pulled a copy of my credit report and noticed that Ed Financial is reporting that I have 60 late payments with them in which I disputed this with the credit bureaus and received information stating that what 's reporting was accurate. So I send in my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part ; DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating their immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting!
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (NY)

Equifax had a severe security breach " in XX/XX/XXXX '' where all confidential information was leaked. This was only disclosed on XX/XX/XXXX and XX/XX/XXXX. The data leaked is sufficient to destroy my and hundreds of millions of customers credit and lives.
Information disclosed included address and address history, SSN, DOB, etc.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IN)

Received numerous telephone calls from Citibank late in XXXX stating that my account was " past due ''. When I finally reached a person there that I could understand, XXXX, on XXXX XXXX, 2017 she explained that my most recent payment was {$4.00} short of the minimum payment. I checked my records and agreed. I made an immediate payment for {$4.00} ( confirmation number given as XXXX ) and she advised it was received. She also stated that a {$39.00} late fee would be waived and {$60.00} in interest would be removed. ( Citibank had apparently changed my interest rate from 12.15 % to 28.24 % because of the {$4.00} error ) XXXX also confirmed that my interest rate would revert to 12.15 %. She advised that I would owe a XXXX minimum payment of {$88.00}. I made a XXXX payment of {$100.00}. I thought everything had been taken care of. I was wrong. The phone calls have started again claiming that I owe some huge past due balance. Help!
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ZIONS BANCORPORATION (TX)

Hello I applied for Amegy bank amazing cash credit card back in XXXX XXXX  2017 by visiting a branch in Texas ( XXXX XXXX, XXXX ). The bank clerk accepted my paper application and took a photocopy of it. 
However, after 3 weeks, nothing happened with my application and no credit inquiry had been made. Therefore, I decided to withdraw my application because all this process was not professional. 
Anyway, that is not the case of complain. When I took my application back, I discovered that bank employee intentionally altered my application. They changed the type of the product I was applying for by using a sticky tape ans a  small piece of paper. I was not notified about this change. 

I contacted Amegy bank inquiring about this change and I was told that they made me aware of this change when I submitted my application which is not true and I have a witness, who was with me when I applied. Also, if it was true, the application would have been altered another way. We would simply cross the wrong choice and and choose another one and I would put my initials.Moreover, I would simply not applied for another product. 

This indicate that they altered my application without letting me know which violates the Uniform Commercial Code ( U.C.C. ) and fair credit act. 

Taking everything into account I would like CFPB to open a case against Amegy bank. 

Best regards XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Medical Bill with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) at XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX and XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX FL XXXX phone XXXX Medical Services were around XXXX XXXX, 2016. Payments have been and are currently still being made as agreed {$10.00} / 2 weeks. All payments have been tendered by creditor and is now being reported as negative on my credit report.
XXXX XXXX XXXX Acct. # XXXX XXXX  Acct. # XXXX
Consumer complaint received 2017-11-17
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)

Date XXXX/XXXX/XXXX TRANSUNION In response to Consumer Bureau : XXXX To Whom It May Concern : This serves to notify you on the inaccurate information on my credit report as per your file. purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX N/A XXXX XXXX DEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company have not removed the negative item I have fax affidavit to show my identity was compromised XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX N/A XXXX XXXX DEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that your company is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit Its ashame that your company is using blunt tactic in falsifying me of my rights XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I noticed that my XXXX XXXX XXXX XXXX XXXX was missing. I called Customer Service at XXXX to report it as such. An agent by the name of XXXX stated that it was being transferred to the Fraud Department for additional verification, but ultimately I was told that it would be sent via regular mail as I didn't need the card immediately. 
On XX/XX/XXXX, the card had still not arrived, so I called Customer Service again and spoke with XXXX. The automated system indicated that they never sent me a new card. She apologized and stated that one would be expedited to me in 24-48 hours. 
On XX/XX/XXXX, when I still had not received my card, I called Customer Service again and spoke with XXXX ( operator ID # XXXX ). She conferred with a supervisor and ultimately notified me that through no fault of my own, my account had been closed ( something I verified through checking my credit report - it was closed on XX/XX/XXXX ). She stated multiple times that it was an error on their part and they would fix it. However, unbelievably, she said that it would take 4-5 business days to approve the reopen request and then they would expedite the new card in 24-48 hours. It is now XX/XX/XXXX, and I still do not have my card. If this is XXXX XXXX XXXX XXXX XXXX 's idea or expedited service, then I would hate to see standard service. At this point, I have wasted an inordinate amount of time, yet it's been over a month and I don't have my card ( an account which I've had for 16 years ). I also have little faith that they will follow through and remove the reference to a closed account from my credit report.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have spoken with a representative in the Secure Credit Card department regarding my security deposit {$300.00} that I suppose to receive, the representative was extremely rude and when I went over the transaction with her I confirmed with her that my account was not over draft by {$300.00} but only over the credit limit in the amount of {$25.00}. I also advise her the balance of {$25.00} was paid. 

I then call again today XXXX/XXXX/XXXX spoken with another rude representative XXXX ID # : XXXX, she began to talk with me like I was XXXX, when I asked to speak with the legal department she left me on hold and did n't come back to the phone. I also asked her whom can I contact to file a complaint against she then replied who do n't have a legal department, I then ask to speak with her supervisor she turned around and lied to me on the phone and stated she do n't have a supervisor, I requested to speak with her Operations Manager she said she do n't have none of them either. I begin to getting very irate, she act like she didnt want to help anyone by phone. I just want someone from another department that close to the Office of The CEO to handle this matter.
Consumer complaint received 2018-04-16
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. (MN)

XXXX XXXX XXXX Talk to XXXX XXXX about the debt i paid in full with XXXX XXXX XXXX was told that i needed to talk to XXXX XXXX XXXX about the tradeline being reported as owing XXXX Again call XXXX XXXX XXXX and they sent me back to XXXX XXXX.
Consumer complaint received 2018-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control (CA)

XXXX XXXX XXXX XXXX, connected to XXXX XXXX XXXX, incorrectly billed me {$88.00} for a charge that was to be included in an overall procedure as agreed by XXXX XXXX XXXX. I paid in full, my portion for the overall procedure. After four attempts to resolve the issue, both verbally and in writing, one of their representatives, XXXX admitted to the error and adjusted the balance to XXXX. However, following her advising me that the matter would be corrected, XXXX XXXX XXXX XXXX erroneously sent the matter to collections.
Consumer complaint received 2018-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had a used auto loan with capital one for my XXXX XXXX XXXX. The vehicle was totaled on XX/XX/2017 and I immediately reached out to Capital One to advise them of the loss. I verified with them that I had purchased GAP coverage for my loan. I spent the next FOUR MONTHS going back and forth between Capital One and XXXX XXXX XXXX AKA XXXX regarding my gap claim. Capital One kept telling me that XXXX XXXX XXXX were the problem and that I needed to continue to contact them to get my claim entered and paid. They threatened to report my balance to the credit agencies since I owed approximately 1,200 after the other driver 's insurance paid for my vehicle. I purchased the gap coverage through Capital One when I initiated my loan yet they acted like their 3rd party choice of insurers had nothing to do with them. I FINALLY got XXXX to process my claim but recently discovered that they only paid approximately half of what was due. I still have a 600-something balance on my auto loan and now Capital One is reporting it as past due on my credit report.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MS)

I called the number listed with the Creditor Contact Details. I got no answer at first and after that I got a voice-mail stating it was after hours. But I was never told what company I was attempting to reach, etc.

Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX   *Estimated based on the date of your inquiry and an assumed 2 year expiration period which will not be until XX/XX/2018.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DE)

I recently received two letters where creditors closed my account due to adverse action. I checked my credit report and found that Equifax place a bankruptcy on my report as of XX/XX/2018 and I have not file bankruptcy. This agency has caused two creditors to close accounts. The question is why they placed that on my report and have they verified that with the bankruptcy court. Report number XXXX
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My credit card company has tried to fight on my behalf to the extent they could, but it appears that XXXX is taking the side of the merchant 's without actually paying attention to the details of the Merchants nonsensical claims or any facts in supported documentation. On XX/XX/XXXX I purchased 2 tickets with Capital One Credit card from XXXX  XXXX to fly from XXXX to XXXX. On XX/XX/XXXX ( the date of flight ) I arrived to the airport at XXXX for the flight that was leaving at XXXX. On the way there, exactly 10 minutes before I arrived to the airport XXXX notified me that the check-in counters are closing, while according to their own policy they were supposed to close " 45 minute '' before the flight ( at XXXX ). They notified me by email on the way to the airport of changing time when it is not possible to change anything. I followed their own policy which they changed 10 minutes before I arrived, making me " late '' .They refused to refund me the money and offered me to pay for new tickets for next day flight. All of that when I came 1hr15min before the flight for which they themselves required me to be no later than 45 minutes before the flight. 
I disputed the charge with CapitalOne but after months of investigation and back and forth with XXXX. Merchant, and CapitalOne they cancelled my dispute because even though XXXX XXXX policy says that check-in closes 45 minutes before departure, the company has a 1 ) no refund policy and, 2 ) there is a note in the policy that the policy can change at anytime for any reason " unless stated otherwise by XXXX XXXX ''. All of this means that company policy is there but it might as well not be. 
In my opinion, no reasonable investigation was done by EITHER XXXX or XXXX and my rights as a consumer were not protected, because I paid for a service which I did not receive ( being impossible to satisfy a whimsically changing policy of a merchant ) and Capital one, based on XXXX XXXX unfounded conclusions is demanding payment for the services I did not receive and even their customer service representatives agree with me, but can do nothing for me due to their company 's unfair process of investigating the dispute, which is heavily influenced by XXXX, XXXX.