davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I recieved a letter from my employer stating my wages were being garnished. I never received any documentation from this creditor. XXXX XXXX  XXXX are collecting for Capital One. I have two Capital One accounts with large credit limits and they have all my correct information. The amount of the debt is approximately {$1600.00} and surely if I was made aware of it, I would have paid it. All the information regarding the garnishment I was able to get from my employer HR site. My wife and I have reached out to XXXX XXXX  XXXX XXXX and let messages for XXXX XXXX. When we would return his calls because we both work he was not available. 

My wife and I spoke with XXXX XXXX on XX/XX/XXXX with XXXX XXXX   XXXX XXXX. She stated that we were service by a Sherrif regarding the debt owed. We were not. XXXX XXXX XXXX claims that they did not have to notify us of an attempt to collect a debt yet they said they just sent out a copy of the garnishment to our currect address. We offered a settlement on my account. XXXX stated that she would have to send the offer in to see if it was approved. We were told that there would be an answer at the latest XX/XX/XXXX. We told her if the offer was accepted we would pay the agreed upon settlement. XXXX stated she would be off on XX/XX/XXXX and that the fastest method to stop the garnishment would be to come into the office and pay. I told XXXX that my wife would stop by the office at XXXX XXXX on XX/XX/XXXX. 

My wife arrived at XXXX XXXX XXXX XXXX office at XXXX XXXX She explained to th receptionist why she was there. She proceeded to ask if she had the full balance owed to pay off the balance. She had no information of the offer. She explained to her that I was not paying the full amount and that I had spoke to XXXX and submitted an offer. The receptionist then called XXXX XXXX, who was walking by. Mr. XXXX stated he was off the clock and I was asked to come back in 30 minutes, with no regard to the XXXX XXXX decided upon meeting time. 

My wifea left a client 's jobsite in XXXX, Georgia to make it to XXXX XXXX   XXXX XXXX, a sixty mile drive all to not have my issue resolved. Not to mention the time and money she lost because she left work early to take care of this issue. So not only are my wages being garnished and my hours are cut due to Coronavirus but now she will be missing hours because XXXX XXXX  XXXX XXXX wasted our time. I have complained to XXXX XXXX  XXXX XXXX. We demanded to speak to someone about XXXX and XXXX, however we have not heard anything and we have not recieved the paperwork that XXXX XXXX  XXXX XXXX stated they were sending to us.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was approved for the Capital One Quicksilver Rewards card on XX/XX/2022 and started spending to get their {$200.00} reward promotions. After completing their requirements within the XXXX month period on XX/XX/2022 they never gave me the rewards promised in the promotion.
Consumer complaint received 2020-04-04
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: WELLS FARGO & COMPANY (GA)

Debt still reporting on credit report well after 7 years. 

Wells Fargo ( WFDS ) XXXX XX/XX/XXXX {$0.00} Paid off XXXX. Want entry removed from credit report.
Consumer complaint received 2020-04-04
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: EQUIFAX, INC. (CA)

THE FRAUDSTER XXXX XXXX  AND EQUIFAX HAVE PUT SECURITY ALERT, EVEN I HAVE WROTE THEM NOT TO DO MANY TIMES. THESE 3 FRAUDSTERS ARE BEYOND CORRUPTION.
Consumer complaint received 2020-04-04
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. (CA)

THE FRAUDSTER EXPERIAN, XXXX  AND XXXX  HAVE PUT SECURITY ALERT, EVEN I HAVE WROTE THEM NOT TO DO MANY TIMES. THESE 3 FRAUDSTERS ARE BEYOND CORRUPTION.
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

My student loan servicer is MOHELA. I am participating in the XXXX program and have made over XXXX required payments. I was put on an administrative forbearance without my consent in XX/XX/XXXX. MOHELA automatically withdrew a payment from my account before I received notice of the forbearance. I requested a refund of this payment ( {$220.00} ) via online portal message on XX/XX/XXXX. I followed up with a phone call on XX/XX/XXXX and specifically confirmed they would be sending a paper check as the checking account the payment was automatically withdrawn from had since been closed. I was told the check was in process and would take 30 days. On XX/XX/XXXX, I called to check on the status of my refund and was told by a representative that MOHELA tried to send the refund back to my closed checking account on XX/XX/XXXX, and that I would need to wait for the payment to " bounce back '' before they could issue a check. On XX/XX/XXXX, I called again and was told it was in process and would be sent to me within XXXX  days from the time they initially tried to refund the payment ( XX/XX/XXXX ). XXXX  days would be XX/XX/XXXX. I called today, XX/XX/XXXX, and was told by the representative that there was no check refund in process, and that she would initiate a review and a check would potentially be issued after that, but it could take up to XXXX  days. It has been XXXX  days since I first requested a refund, and MOHELA continues to withhold my money after they withdrew payment from my checking account when no payment was due. Additionally, because MOHELA did not appropriately update the XX/XX/XXXX payment period to count towards the XXXX required payment periods ( as instructed by the Department of Education ), my XX/XX/XXXX payment was payment # XXXX, and should also be refunded to me. The amounts I am requesting be refunded via paper check : XX/XX/XXXX payment : {$220.00} XX/XX/XXXX payment : {$210.00} Total : {$440.00} It is not reasonable to wait over 6 months for a simple refund of money they erroneously withdrew from my account.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Regarding dispute confirmation number XXXX : Your website says the dispute was close XXXX XXXX however, the consumer report I generated on XX/XX/2022 states that a reinvestigation of the account is still in process. The information communicated on your website is inaccurate.
Consumer complaint received 2020-03-25
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Attatched JUST RECIEVED BY MAIL XX/XX/XXXX. USAA UNSATIFACTORY WRITTEN DOCUMENTATION ITEMS DELIVERED * INTO MY HANDS AS AGREED. Attatched USPS CRIMINAL INVESTIGATION ZIP XXXX. MAILBOX DELIVERIES NOT MADE XX/XX/XXXX dated XX/XX/XXXX. Kindly Note XXXX case XXXX order date XX/XX/XXXX XXXX XXXX ** IS NOT SHIPPED TO MY ADDRESS. KIndly Note documentation ( ) Delivered XX/XX/XXXX XXXX in MAILBOX. ( MAILBOX DELIVERIES NOT MADE. ) USAA DOCUMENTATION DOES NOT PROVIDE PROOF OF USAA ALLEGATIONS ITEMS WERE DELIVERED INTO MY HANDS ** Original Signature Accepting Delivery AS AGREED. PROVE DELEVERED INTO MY HANDS AS MY AGREEMENT WITH MERCHANTS OR CREDIT IMMEADTELY. USAA SLANDERS CONSUMERS.
Consumer complaint received 2020-03-24
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)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TN)

Alerted to a collection from southwest credit about a cell phone bill from XX/XX/XXXX never received any documents on this account during the time of the alleged account I was stationed over seas in XXXX do not believe the account to be mine due to the fact I did not leave XXXX in route for the United States until XX/XX/XXXX attached is my household goods packaging sheet showing my movement from XXXX to the United States and the conversation with XXXX about the account
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Town & Country Mortgage Services, INC. (FL)

Three days before our scheduled closing date of XX/XX/20, the Mortgage Loan Originator called to tell me that our loan was not approved. This was after receiving a preliminary approval letter on XX/XX/20 at which date and personal meeting with loan originator we reviewed in detail any potential problems. There are no disclaimers on our conditional loan approval indicating any reservations about our ability to get a conventional mortgage. We came under contract with the seller of the property we wanted on XX/XX/20 and submitted a {$5000.00} deposit. We submitted every document that the loan originator requested within hours of said request. On the other hand, we continuously called his office for feedback and next steps ( we have copies of text messages and other correspondence ). We had an earie feeling that we were being lied to about the speed and competency that our paperwork was being processed for the underwriter. On XX/XX/20 our realtor informed us that an appriasal had not been scheduled even though we paid for it on XX/XX/20. As of XX/XX/20, we were told we were on track that appraisal would be done that day and turned around in 24 hours so we secured a Homeowners Policy. On XXXX XXXX on XX/XX/20 the loan originator called to tell me that we did not qualify for a mortgage.
Consumer complaint received 2020-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cooling & Winter LLC (GA)

On XX/XX/XXXX I recieved a letter from my employer stating my wages were being garnished. I never received any documentation from this creditor. Cooling and Winter are collecting for XXXX XXXX. I have two XXXX XXXX accounts with large credit limits and they have all my correct information. The amount of the debt is approximately {$1600.00} and surely if I was made aware of it, I would have paid it. All the information regarding the garnishment I was able to get from my employer HR site. My wife and I have reached out to Cooling and Winter LLC and let messages for XXXX XXXX. When we would return his calls because we both work he was not available. 

My wife and I spoke with XXXX XXXX on XX/XX/XXXX with Cooling and Winter LLC. She stated that we were service by a Sherrif regarding the debt owed. We were not. Cooling and Winter claims that they did not have to notify us of an attempt to collect a debt yet they said they just sent out a copy of the garnishment to our currect address. We offered a settlement on my account. XXXX stated that she would have to send the offer in to see if it was approved. We were told that there would be an answer at the latest XX/XX/XXXX. We told her if the offer was accepted we would pay the agreed upon settlement. XXXX stated she would be off on XX/XX/XXXX and that the fastest method to stop the garnishment would be to come into the office and pay. I told XXXX that my wife would stop by the office at XXXX p.m. on XX/XX/XXXX. 

My wife arrived at Cooling and Winter 's office at XXXX p.m. She explained to th receptionist why she was there. She proceeded to ask if she had the full balance owed to pay off the balance. She had no information of the offer. She explained to her that I was not paying the full amount and that I had spoke to XXXX and submitted an offer. The receptionist then called XXXX XXXX, who was walking by. Mr. XXXX stated he was off the clock and I was asked to come back in 30 minutes, with no regard to the XXXX p.m. decided upon meeting time. 

My wifea left a client 's jobsite in XXXX, Georgia to make it to Cooling and Winter LLC, a sixty mile drive all to not have my issue resolved. Not to mention the  time and money she lost because she left work early to take care of this issue. So not only are my wages being garnished and my hours are cut due to Coronavirus but now she will be missing hours because Cooling and Winter LLC wasted our time. I have complained to Cooling and Winter LLC. We demanded to speak to someone about XXXX and XXXX, however we have not heard anything and we have not recieved the paperwork that Cooling and Winter LLC stated they were sending to us.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

problem with fraud alert and freeeZes remove it XXXX experian, XXXX and XXXX  ftc violations committed For the first four years, you get free monitoring of your credit reports at all three major credit bureaus XXXX Experian and XXXX XXXX.. These services will be provided by Experian. For an additional six years, you can opt for free monitoring, but it only covers your XXXX  credit report. 

tu Appeals Court Upholds FTC Order ; XXXX XXXX Must Stop Illegal Sales of Consumer Reports to Target Marketers exp FTC consumer alert a " must read '' - XXXX XXXX For example, a lender that has suffered a security breach may offer you a complimentary Experian credit monitoring service
Consumer complaint received 2020-03-24
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: EQUIFAX, INC. (FL)

EQUIFAX HAS ACCOUNTS ON MY REPORT THEY REFUSED TO DELETE. THESE ACCOUNTS HAVE BEEN DELETED BY XXXX  ACCORDING TO THE FCRA.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

problem with fraud alert and freeeZes remove it XXXX XXXX, transunion, and XXXX  ftc violations committed For the first four years, you get free monitoring of your credit reports at all three major credit bureaus XXXX, XXXX  and TransUnion. ... These services will be provided by Experian. For an additional six years, you can opt for free monitoring, but it only covers your XXXX  credit report. 

tu Appeals Court Upholds FTC Order ; Trans Union Must Stop Illegal Sales of Consumer Reports to Target Marketers exp FTC consumer alert a " must read '' - XXXX XXXX For example, a lender that has suffered a security breach may offer you a complimentary XXXX  credit monitoring service
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (VA)

Barclays offered me a balance transfer with no interest until XX/XX/XXXX. I transfered {$1900.00} from another account on XX/XX/XXXX I was charged a balance transfer fee of {$59.00} ( which I agreed to ) and {$3.00} intrest on XX/XX/XXXX. When I complained about the interest charge the response was " Upon review of your account our records show the promotional offer for the 0 % until XX/XX/XXXX has not been accepted. '' If they were not going to accept their own offer they should not have transferred the balance!
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2020 I called to access my account using my call password I have used 35 years. USAA DOES NOT PROVIDED ON LINE ACCESS DUE TO MY XXXX  XXXX. NOW USAA can not verify me using my call password that has worked 35 years so I HAVE NO ACCESS TO CALL ABOUT MY ACCOUNT. This is due to my hand XXXX also. I physically am unable to ( text or email ) proof of who I am. ** NO PHONE ACCESS. XXXX USAA IS NOT XXXX ACCESSIBLE FOR XXXX MEMBERS
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

This happens EVERY TIME and I am sick of it! I carefully type in all my information and correctly answer their questions, but they refuse to give me my reports. 

Equifax says they can not provide my report online, to send in a copy of my Social Security card and drivers license through the mail. 

XXXX  says " a condition exists '' that prevents them from being able to accept my request, and to contact them through the mail. 

XXXX NO I'm not doing that! YEAR AFTER YEAR AFTER YEAR I get these XXXX messages and I'm not tolerating it anymore! I am NOT going to risk my personal information getting lost or misdirected in the mail. This is XXXX, not XXXX! Given the EXACT SAME information, XXXX  gave me my report online just fine. If they can do it, so can the other two!