davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-06
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. (NY)

XX/XX/2012 I was a victim of fraud. I had my identity stolen and it was used to open school accounts to get loans. my IRS refund was stolen for years I have been dealing with my identity being used against me. please help me, Sincerely, XXXX XXXX
Consumer complaint received 2018-11-06
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. (NY)

XX/XX/2012 I was a victim of fraud. I had my identity stolen and it was used to open school accounts to get loans. my IRS refund was stolen for years I have been dealing with my identity being used against me. please help me, Sincerely, XXXX XXXX
Consumer complaint received 2018-11-06
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. (UT)

Disputed XXXX XXXX STATUS W EXPERIAN TWICE IN THE LAST 60 DAYS I HAVE SENT SIGN STATEMENTS FROM XXXX STATING MY ACCOUNT STATUS WAS CURRENT STILL NO UPDATE N CHANGE.
Consumer complaint received 2018-11-06
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: EQUIFAX, INC. (SC)

I noticed I had some unauthorized accounts on my credit reports so I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them. I have already filed a complaint through this agency but I do not got any resolution. This is my second complaint.
Consumer complaint received 2018-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (FL)

I received a debt notice from you. This is not my debt. I have been the victim of identity theft. Since it is not my debt I have no idea of what name you have, either my married name, XXXX XXXX, which I haven't used since XX/XX/2005, or my maiden name, XXXX XXXX. I attached all my ID docs and police reports and proof of my identity. and an identity theft affidavit.
Consumer complaint received 2018-11-05
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

good day to you:  hi her the bank info  bank of america XXXX XXXX XXXX, XXXX ca, XXXX   hi the wiretransfer was sent from the XXXX i got the email at XXXX XXXX XXXX. i click print an the print came out 1 of the student. didt give me my printe with my account number on it. he kelp the info for himself, he has been useing my account from XX/XX/2011 tile now his info mr, XXXX XXXX XXXX. he left school to keep me from going to the school. it now has nothing to do with there laws. i call an the bank wil not do any thing. an the local branch will not talk to much to me. the lady work in the wiretransfer dept, has move on to a nother job.   thanks for your time,.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/XXXX, I made a payment in the amount of $XXXX to Capital One towards my credit card balance.  The card rewards state that as long as your account is in good standings with the company, you are able to utilize the cash back feature towards the balance on your credit card (which my account is and I have paid more than the minimum balance each month).   My payment due on XX/XX/XXXX was $XXXX. I utilized my cash back credit of $XXXX in addition to a payment from my financial institution, which totals $XXXX. On XX/XX/XXXX, I reviewed my account information for the month and noticed a late fee charge of $XXXX which was debited to my account with Capital One.  The statement also showed that both the cash back used towards my statement in the amount of  $XXXX along with my $XXXX personal payment was received a nd utilized toward my balance on XX/XX/19.  On XX/XX/XXXX, I contacted customer service and spoke with XXXX, a customer service rep and then asked to speak with a manager to have the charge removed as my account has NEVER been late.Next, I spoke with XXXX who stated she is a senior account supervisor. I asked that the late fee be removed. She said that the system would not let her remove the fee.  I asked for an explanation and she wasnt able to provide one. I also asked her where I could review the information that states that the cash back could not be used towards my statement for the month. She stated it is shown on a box that is checked when I redeem the cash.  There is no way to view this information now.  I also looked on the company website under their FAQ segment and have a screen shot available showing that NOTHING online on their website states any disclusions about using cash back rewards towards the statement.  When asked who I could contact at Capital One regarding my credit card with them, she told me to go on their website to find the address.  Because I had just experienced a problem with the transparency of their “rules” for redemption of cash back on their website, I did not trust that the website would provide me with accurate or reliable information which is why I have contacted you.If needed, I can certainly supply all of the screen shots I have taken regarding this information to support my case.I would like the fee to be reversed, as well as help other customers of Capital One in the future.  There should be transparency and available information to the consumer regarding limitations on their cash back limitations.
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WA)

The credit card company XXXX XXXX keeps contacting my family which is ILLEGAL. I understand my debt is not paid. But repeated phone calls, about 30 a day  and repeated phone calls to family members. If comenity bank keeps contacting anyone but myself I will take them to court and sue for illegal activity.
Consumer complaint received 2018-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Problem with Transunion : I can not get a free report. 

History of the problem : For the first time in my life, on XX/XX/2018 I attempted to acquire all 3 major reports by checking each box of Transunion, XXXX, and XXXX  through the website XXXX XXXX XXXX. 

The data entry screen was filled out with the correct personal information. 

In the first 2 selections ( Transunion, XXXX  ), I got error messages and the reports were not generated. In the third case on this same multi-attempt, I received the XXXX   generated report in pdf form successfully. 

I contacted my credit card company to alert them I could not get the Transunion report. They told me to try again by filling out the form, as done before on XXXX XXXX XXXX On XX/XX/XXXX, I did this and again ... now the prompts state I have already received the report from Transunion, by selecting only their box on the entry screens. ( did not try XXXX ) I called Transunion twice on XX/XX/XXXX, in each case the representative walked me through the process online and the same message appeared, " unable to process ''. The first representative referred me to XXXX XXXX XXXX to set up my account to see the report. It was NOT as expected. It is an HTML, watered down version of a pdf / hardcopy report with little detail. In addition, its packed with subcription solicitations which are NOT free. 

The second representative walked me through again, and same result : I was locked out because it states I have already received the report I then spoke with a Transunion supervisor ( XXXX ) finally and he verifies that error codes are present based on my request attempts at their recommendation. However he is unable to do anything about it. and referred me to XXXX to request a hardcopy by mail. I did that. It requires 6-8 days. XXXX was useless in resolving my complaint. 

However, the root cause problem is the https : XXXX Website spitting error messages, which after one time of error messages, locks me out from receiving my free annual report. " XXXX '' is unable to explain why but bear in mind, my first attempt to procure the 3 credit reports had generated one successful report of the 3 ( XXXX ). 

Thoroughly disgusted with the process here. And will now have to wait 6-8 days to see if a hardcopy shows up in my USPS box. The problem at Transunion, they are all stuck in their departmental chimneys and won't learn about the customer problem, only they recite the pre-programmed rhetoric they are empowered to convey which still does nothing for me the customer.. 

I still have no report and it is a FEDERAL STATUTE that I am entitled to this information. Transunion as of today has not met the requirements of the law.. 

Assuming no mail hardcopy by at latest on XX/XX/XXXX, what is the recourse of action to take against Transunion, short of PAYING FOR IT? 

Next up : Attempt to get XXXX report. Wish me luck.
Consumer complaint received 2017-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have been communicating with Wells Fargo Home Mortgage since XXXX XXXX about selling my home through short sale and then by deed in lieu in order to avoid foreclosure. I was asked to send multiple copies of the same documents several times, with Wells Fargo staff saying that they did not receive the documents or that I needed to send new documents in order for the process to proceed. I complied with all of their requests, but in the end, Wells Fargo first said I qualified for a short sale, then changed their minds and told me I did not qualify for a short sale. There were multiple offers on my home during the process and Wells Fargo rejected all of them. Now, I am supposed to be in the " deed in lieu '' process. Wells Fargo staff informed me that the title of my home was not clear, thus stopping the process until the title was cleared. I purchased the home 10 years ago and the title was clear. There are no liens on my home. I am still waiting for answers to the deed in lieu process and would still like to sell my home through the short sale process. It seems Wells Fargo is putting up roadblocks to this sale at every angle. Even when complying with their requests, something else always seems to come up to stall the process. I would like to find a solution to this process. Wells Fargo business practices are shady at best. This is unfair and damaging to consumers who do business with Wells Fargo in good faith.
Consumer complaint received 2017-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Today XXXX/XXXX/XXXX at XXXX am I attempted to check my credit report through TransUnion XXXX this complaint has two parts. 

1. I attempted to get my free credit report, and on their main page ther is a button to get you credit report that tried to charge me to get my first 1 of 3 credit reports I am entitled to. 

2. When I found the free credit report link, the site looked sketchy but it had an https address. Any way, I tried to get my report but received a message saying that my identity count not be verified. Then suggested i be redirected to ht page where I put in my information. also there was not where else I could go or click. So i try to re input my information, though it was correct. But it takes me to a screen that say " You have now used your XXXX free credit report ''. They were not able to validate my identity, but still took one of my reports. They did not show me anything about my credit information. I tried to find a number to call to address the problem on the sight, but all that was available in the contact section was an address in XXXX, not even an email.
Consumer complaint received 2018-11-06
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: EQUIFAX, INC. (GA)

I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 
@ @ @ @ @ EQUIFAX/XXXX/XXXX @ @ @ @ @ XXXX XXXX XXXX XXXX : XX/XX/2018 Amount : {$580.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount : {$380.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount {$2900.00} ( Fraudulent Account )
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

[ in the prior section, I was forced to put something down, this was not related to closing an account, we never got that far .... ] XX/XX/2018 ( Phone call took place at XXXX XXXX. MST ) A Gentleman by the name of XXXX introduced himself to me as being with Capital One, and was keenly interested in transferring all of my EXTREMELY high credit card balances over to his rather modest 4.9 % credit card. When I explained to him that I don't have a credit card, and that I am currently on the National Do Not Call List, and asked to speak with his manager,  he promptly forwarded the call over to the FBI. 

Capital One calls me harassing me, nearly everyday ; and somedays they call 4 and 5 times. ( well not me personally, they'll speak with anyone who answers my phone, I don't think that they actually know my name, just my phone number ). They are playing hardball cold call phishing As I previously stated XXXX, forwarded my call over to the FBI, where I spoke with a gentleman who re-directed me to the CFPB to file a complaint.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Acceptance Corp (WA)

I am having issues about Merchants Acceptance leaving a charge off on my credit report that should not be on there I am paying this company every two weeks in the amount of XXXX which they are reporting one as in good standing and then stating I had a charge off on another which I did not as I am paying for only one item and I pay every two weeks and have bank statements to show this. XXXX tried to get them to remove it with the proof I sent over and they said no they would not even though I am current on all my payments. The product I also got from them was faulty and even started my carpet on fire I called them several times to come get it before I would owe for it and they never returned my calls. This information needs to be taken off my credit report as it is not a charge off it is an account that I am paying for. See below Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$1900.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment - Past Due Amount {$1900.00} Highest Balance - Terms 36 Months Responsibility Individual Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CA)

I requested in writing on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that XXXX / Resurgent cease contacting me pursuant to 15 U.S.C. 1692c ( c ) and California Civil Code 1788.17. XXXX / Resurgent continues to contact me to collect one or more debts, most recently in writing on XX/XX/XXXX ( see attached letters ).
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (SC)

There seems to be a duplicate account on my credit report from Comenity Bank/Victoria Secret. I have one account with Victoria 's Secret and I am trying to understand why my credit report shows two accounts with Comenity Bank instead of one.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MN)

I sent a certified letter to national credit systems inc. on  XX/XX/2018 the letter demanding the information below ; : Your reference number : National Credit Systems # XXXX To Whom It May Concern : Per the FDCPA I demand validation of any debt you claim I owe your company and demand you provide me with all of the following ; 1. You have purchased or were assigned the debt and provide full chain of assignment.

2. The amount you paid for the debt 3. The full accounting of the transaction history ; every charge, every interest charge and any other charges and fees, and the date ( s ) on which they occurred, for the entire life of the alleged debt.

4. That the debt is not time barred 5. Original Contract between myself and the Original creditor with my signature and an authorized signature from an employee of National Credit Systems, all pages, both sides, or a certified copy 6. Original Contract between myself and National Credit Systems with my signature and an authorized signature from the employee of National Credit Systems, all pages, both sides, or a certified copy.

I do not believe I owe your company anything and dispute I owe your company anything. Pursuant to the FDCPA, you are immediately stop all collection activity and delete ant reference of this alleged debt from my credit report ( s ).

Under no circumstances do I authorized you or give your company consent to furnish any information to my credit report ( s ) nor take any action that would result in an inquiry on my credit report ( s ) from your company.

Provide to me, in writing, the demanded validation information listed above. If you can not provide everything you are to immediately and permanently delete all reference of this account from all of my credit report ( s ) and send me confirmation this has been done.

They responded with a lease that was auto signature Which is not my signature. They did not provide all 6 documentation that I needed. I sent them a fraud packet along with my lease, drivers license and police report and they still stating that its verified without showing any proof that I owe National Credit Statems. I am demanding for this to be deleted right away
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: GOLDMAN SACHS BANK USA (NY)

I am XXXX XXXX XXXX, within a provisional state. My spouse has the account, I'm an additional user however they are not willing to give us the XXXX benefits. They're only offering the MLA, I do not want the Military Lending Act. Since I am eligible for SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my LES that show Ohio as my tax state, and my XXXX XXXX orders that show XXXX XXXX is my spouse. XXXX Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).
Consumer complaint received 2018-11-05
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. (OH)

I have two accounts that I have requested the status, and proper documentation for my personal review. There are several errors in the reporting of the derogatory account. I do not see any dates dealing with the last time there was any activity of either account. I have disputed the accounts directly with the original creditors as well yet no one seems to have any information to review the account any of the original contracts BECAUSE the accounts have been sold over again and again to different agencies. The following accounts need to be deleted XXXX XXXX XXXX # XXXX, XXXX # XXXX. Please advise both companies I due plan to sue/litigate this issue if these two unverified account get sold again to another collection agency.