davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Has Violated My Rights.

15 U.S.C 1681 Section 602A States I have the right to Privacy, 15 U.S.C 1681 Section 604A Section 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Contacted Credit Agency Experian multiple of times regarding fraudulent accounts reporting on credit file, incorrect personal information such as contact number and address, issue with online access to personal credit report and issue with filing a dispute on online, incorrect late payments, reporting late payments on charged off accounts etc. Latest contact XX/XX/2022 and XX/XX/2022 report no. XXXX and credit report from XX/XX/2022 and XX/XX/2022. I have spoken to multiple of agents from the consumer protection department who has refused to help and has disconnected calls.
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2023, money to some unknown bank accounts through XXXX  on wells fargo, someone, and i think it was my little brother, sent money and im guessing he got scammed for some item not received or something through my bank account and was pressured to do so he said and got blackmailed, not sure he did not want to go in detail but he sent {$450.00}, {$350.00}, to one person on separate statements, and {$300.00} to another person, both people 's name look fake like XXXX XXXX & XXXX XXXX. This was all unauthorized on my end and unknown as i thought my little brother was downloading free games as he said. XX/XX/2023 i make a claim through the phone. i'm struggling to pay my debts and this incident has not helped nor wells fargo, i tried calling them, and after many operators a claim was set, but the person over the phone who made the claim made it against me in the sense that the claim done for the XXXX transactions were " authorized '' on my end when they were not, i made sure to say that they were unauthorized but thats how it was put by them. I get a letter saying it was closed as it was authorized when it was not, i call again today and said although closed they sent and did another case to XXXX themselves, and either the operator on the phone lied to me or something but gave me the XXXX case number filed by wells fargo and after hours of many operators none could find a case number relevent to the one given to me from wells fargo 's XXXX case just mentioned. I've been misinformed by wells fargo on " help '' that they've tried giving me and making it hard for me to get my money back, beyond displeased, i'm close to filing a police report and getting lawyers involved.
Consumer complaint received 2023-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

CapitalOne SavorOne card is supposed to come with an early spend reward : Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening. XXXX XXXX XXXX  I applied for this credit card when this was offered and used it according to the terms. I did not get the reward amount that was promised. 

Upon further investigation, it seems that the {$200.00} offer did not apply to my account. The {$200.00} offer did not appear in my credit card information sheet that I got after the card has been approved. 

The representative over the phone was not able to identify the reason for this. There was no indicator that could be used to determine how this offer disappeared. 

I find CapitalOne 's application process to be extremely misleading, because at no point in the application process am I supposed to believe that the {$200.00} cash bonus is not applied to all SavorOne cards. I could only possibly be aware of this after the card has been approved. 

Reasons for this could range from discrimination to false advertising or tactics like bait-and-switch.
Consumer complaint received 2020-11-11
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. (AL)

Hi there! 

I would like to file a dispute with the Equifax. On XX/XX/2020, I sent a dispute asking to verify the information concerning the bankruptcy on my Equifax credit report. Equifax responded and verified this bankruptcy through information " obtained from local, state, and federal courts through a third party vendor, XXXX ''. Interesting, because on XX/XX/2020, I asked the courthouse to verify if they were reporting information to the credit bureaus to see if this was true. The courthouse stated that they did NOT report any information to the credit bureaus. Either directly, or through a third party vendor like XXXX. This leads me back to Equifax. If the courthouse did not send the information to the credit bureaus ( directly or indirectly ), how are they verifying this information? What method did they use? So on XX/XX/2020, I sent a certified letter to the Equifax informing them that they were reporting a bankruptcy on my credit report, that was not verified with the courthouse that they are reporting that they received the information from. They then AGAIN stated that all of the information was " verified ''. But how if the courthouse does not communicate with any credit bureaus ( XXXX is a credit bureau )? I find this information false, misleading, and should be removed from my credit reports! I have attached ALL of the letters to prove my statements.
Consumer complaint received 2024-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

First I began a dispute with the credit bureaus. Nothing was getting resolved. Every time I would dispute the investigation would say that the information was updated, which would change all the time. The payment updates would change to unknown. This is my credit report. If the data is unknown, then there is no data, and it should not be on my credit report. So I called XXXX XXXX. Need I remind you this is a recorded line and she said that she could not validate it. Then I said you would have to remove this. She said I would have to send a letter to the dispute team. I did so. They have not responded to my letter requesting validation. It has been well over 30 days.
Consumer complaint received 2023-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

I applied for a loan with XXXX XXXX XXXX XXXX XXXX ( XXXX ) back in XX/XX/XXXX and the escrow closed in XX/XX/2022. The loan was for 36 months and had resets at the end of every 12 months. I am attaching a copy of the appoval and direct your attention to the extension section stating " Borrower may never be late on any mortgage payment, taxes or insurance to qualify to extend the loan another 12 months at the end of the XXXX and XXXX month. These is no cost of the extension. '' XXXX sold the loan to a company named XXXX who then assigned the loan to BSI for servcing. We never received a " Hello Letter '' from the new Lender and did not get a " Good Bye '' letter when XXXX sold our loan. 

We started a refinance process with another lender in XXXX and XX/XX/2023 to pay off this loan. We were in constant communication with BSI during this process, BSI wanted us to stick with them and offered us favorable terms vs the reset but honestly because of all the miscommunication with them over the last several months we didnt feel comfortable staying with them. They continually accepted our payments. 

The issue we have is that BSI never ever gave us notice that they were not going to extend and once a demand statement was provided BSI then charged " default interest '' at an exhorbitant rate. 

Attached is the approval letter, we followed it perfectly but now they hit us with default interest.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-11-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Since XXXX I have been a victim of identity theft due to a massive breach of information from XXXX files. I have been disputing personal information, court record of bankruptcy, XXXX collection account to all three major credit reporting agencies since XXXX. The only one that has not deleted incorrect information bankruptcy and collection account is Experian. I hired XXXX XXXX to file disputes with Experian monthly and they still refuse to delete both items and correct personal information such as listing XXXX different versions and combination of my full name. Experian is not allowing me to post my personal statement on my file the other two have my personal statement on those reports. As a XXXX, I feel discriminated by Experian through their actions of not deleting bankruptcy and XXXX collection account and not allowing me to post my personal statement. There was a filing of bankruptcy but Court did not accept it and dismissed the case. Never did I participate in the program or any creditor paid.
Consumer complaint received 2023-06-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NC)

I have reached out to you all several times about the mortgage payment and down payment all not being what I was offered and the fact that I was taking advantage of due to being ill and never signed a promissory noteit was forged because I have to copies that was sent for me to sign because they didnt have one so the paperwork is not even legal. Nevertheless the less they have ruined my credit and I been saying they put me in a mortgage they knew I couldnt afford based on my income that was raised on all the paperwork afterwards. Now I am behind and if my home goes in foreclosure I will spend what money I do get to pay for a lawyer because this shouldve been handled before it got to the point. I have been reaching out since I got well enough to realize what they had done with no results.The most rude unprofessional people I ever worked with. I dont need another forbearance then the payments are just adding up I need an affordable mortgage payment. They set me up for failure from the beginning. Everybody wants to tell me how awful this company after I went through I want everybody to know before they sign anything with them.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (OH)

I've Had Multiple occasions where credit karma has told me I would have a 90 % or better approval for credit card and applied just to have a hard pull and be denied once on XX/XX/XXXX for a XXXX  XXXX XXXX  and on XX/XX/XXXX for XXXX  XXXX card another for XXXX XXXX on XX/XX/XXXX another for XXXX XXXX XXXX on XX/XX/XXXX and another for XXXX XXXX XXXX on XXXX XXXX XXXX all credit karma pushed and assured me I would have a " excellent '' approval chance just to have a hard pull that I've had to recover and work to right in my credit report
Consumer complaint received 2023-06-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd ()

Hello. I am a customer of www.wise.com. On XX/XX/2023, I made a XXXX transfer of XXXX US Dollars from XXXX XXXX to my Wise account. The bank charged me XXXX XXXX as a transfer fee and an additional XXXX TL as a transaction fee. I was informed that the money would be transferred to my Wise account on XX/XX/2023 as the value date. However, instead of the XXXX US Dollars that I transferred to my Wise account, only XXXX US Dollars were transferred and a transaction fee of XXXX US Dollars was charged. I dont understand this situation, this is the first time something like this has happened to me. Where is my missing XXXX US Dollars and what is the mistake here? I want to find out. I paid all the transaction fees but XXXX dollars less came. I am attaching the receipt of the SWIFT payment I sent from XXXX and the receipt I received from Wise.com. Can you please help me?
Consumer complaint received 2023-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We made our last mortgage payment with Loancare Loan Number : XXXX XXXX XXXX and we were advised late by LoanCare that new Mortgage was under XXXX XXXX. XXXX XXXX to date has never received payment from LoanCare to-date. XXXXXXXX XXXX with Loan number XXXX has put us in delinquency status because LoanCare has not paid them the last payment we made in XX/XX/XXXX. We have made several phone calls to LoanCare and seems that every time we call customer service is outside US and hang up on us. Several emails made to LoanCare but never got resolved. We were never delinquent in our Mortgage payment since XXXX. We need your utmost support on this issue.
Consumer complaint received 2023-06-02
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: ALLY FINANCIAL INC. (TX)

In XX/XX/XXXX, i had received a wrongful derogatory notice from XXXX XXXX XXXX. it was about missed payment which never i was not aware of .So i have decided to pull out the full report of my credit .I have found so many unrecognized inquiries which i never requested.Those inquiries are from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not have any affiliation with those companies mentioned above and i want their fraudulent inquiries to be removed in my credit report. 
Thank you for understanding and your assistance.
Consumer complaint received 2023-08-01
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. (NC)

I have acquired my credit report and have noticed multiple fraudulent accounts that are reporting on my file from identity theft. After my discovery I have reached out to the credit bureaus XXXX, XXXX and transunion to dispute this matter and to check and make sure everything is complete and accurate and to notify them of the accounts that are reflecting on my file from identify theft and requested an immediate freeze on my accounts as well as to update my personal information on XXXX XXXX and XXXX XXXX. I also informed the credit bureaus that I have file an FTC complaint on XX/XX/2003 ( FTC Report number : XXXX ) regarding this matter and that the account be removed and block from reporting to my credit report according to 15 US Code 1681c- 2 - Block of information resulting in identity theft. 
BLOCK except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency of -- -
Consumer complaint received 2023-06-02
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: CITIBANK, N.A. (CA)

I called Citibank and let them know they ran my XXXX credit XXXX times on multiple days XXXX, and XX/XX/2023. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked Citibank to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my XXXX credit report.They need to train the staff on how to handle things over the phone.
Consumer complaint received 2023-06-02
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: HYUNDAI CAPITAL AMERICA (FL)

I am sending this comnplaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation!!.,
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Monday I called Capital One to explain that a credit card had been opened and approved with my social security number, and that it was totally fraudulent. I gave them my social security and full name. I was told the card had been approved, a business card for a company called XXXX XXXX. I told them that it wasn't me to please cancel it. 
I was told to call back in 7 days, I called back in four days to be told that they had mailed the card out already. At first they thought they were talking to the scammers and calling it MY ACCOUNT. I had to explain again, what was happening, even after spending over an hour on phone with them on Monday XX/XX/XXXX. I have life lock and they notified me and stayed with me on the line the entire time. 
I am now being told the fraudulent card is put on hold and they won't be able to purchase. I had beg Capital One again to PLEASE not let them use this card. 
I am a victim of Identity Theft, I asked for this card to be closed, Capital One did not take action.
Consumer complaint received 2023-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I have spoken XXXX at Shellpoint Mortgage about the payoff amount and we are trying to prevent the foreclosure we are given the run around from the mortgage company saying the attorneys office has to provide the information and they are not making a way to know the total amount due to stop the foreclosure sale. WE NEED HELP!!!
Consumer complaint received 2023-06-02
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: Shellpoint Partners, LLC (OH)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 2 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. 

XXXX  Account XXXX : XXXX
Consumer complaint received 2023-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC (SD)

Spring Oaks Capital LLC is trying to collect on a discharged debt from XXXX. Ive asked for information to be sent to me regarding account over 60 days ago and still have not received the information request. Also asked that the remove the derogatory marking on credit report and they refused to do so. Ive also disputed this with all 3 credit bureaus and they keep saying we verified the information as accurate with the collection agency.