davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-12
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: DISCOVER BANK (CA)

On XXXX XXXX a hard inquiry by Discover was done through XXXX for a credit card that I never applied for. The same day the inquiry was made the credit card was immediately mailed out to an outdated address. I received the the card via mail XX/XX/2022 and on the same day received a call from Discover that a fraudulent card might have been opened in my name. I did not activate the card, yet when I called I was informed that charges were made. Discover was aware that the address did not match my credit report and neither did my phone number or previous employer and still authorized the card.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital 1 keeps denying me access to my account because I am either in XXXX at the time or my cell phone camera lens is broken. They have taken money from my account for a wire transfer then told me they didnt transfer the funds so I made another transfer then they said they did transfer the XXXX funds and to call back to stop the sending of the XXXX wire. Each time I call back they refuse me access to my account. They keep saying the law requires me to have a working cell phone. My phone works but the camera does not. XXXX XXXX XXXX XXXX refused me access and refused any other means to identify myself other than my camera. He then stopped serving me and transferred the call to XXXX XXXX XXXX XXXX. They told me all US based phones wok everywhere in the world so me saying I could not call when I was in XXXX was false. However with my XXXX XXXX  I do not have roaming and it does not work in XXXX. They refuse to discuss my wire transfers and transferred money without authorization since they refused to speak with me when I called back. XXXX has stated the Capital one can not accommodate my XXXX for effective communication as well. They refused to serve me again today forcing me to send another wire transfer in order to avoid fine a fees from US Customs and Import areas.
Consumer complaint received 2022-07-12
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. (TX)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX  XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDNELNET XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

My wallet was stolen from my purse at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/2018, filed police report. 

Fraudulent charge made on my Wells Fargo Credit Card of {$1200.00} at XXXX XXXX in XXXX XXXX, CA I received a letter dated XX/XX/2018 informing me that the fraudulent charge of {$1200.00} and that I had reported on XX/XX/218 to Wells Fargo Fraud Department is now my responsibility. 

I wrote a letter to Wells Fargo Credit Card Fraud Department to remove fraudulent transaction since my wallet was stolen.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Accompanied with my monthly Capital One statement for XX/XX/XXXX - XX/XX/XXXX I received the customary personal information privacy statement, which allows me to limit the sharing of my personal information. This document has been disseminated in ALL consumer credit card statements for AT LEAST the past decade. I called customer care on XX/XX/XXXX at XXXX MST and when I asked the associate to update my privacy preferences he had absolutely NO IDEA what I was talking about. Furthermore, this person failed to follow my instructions and cold transferred me, instead of warm transferring me, so my account needed to be verified yet again. So aggravating dealing with poorly trained employees from a non-US based call center. The second associate also did NOT know what I was referring to and put me on hold for nearly 10 minutes to look for help. After spending over 32 minutes on the phone in order to complete this very simple task, as is afforded to me by law and my credit card agreement, I was UNABLE TO UPDATE MY PRIVACY SETTINGS so that Capital One can not share my personal information with ( 1 ) Affiliates for everyday business purposes ( 2 ) Affiliates to market to me ( 3 ) Non-affiliates to market to me.
Consumer complaint received 2018-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

So after paying my mortgage and homeowners insurance for years. No major claims. fighting with the insurance company for over a year ( XX/XX/2017 ) for damages caused by hurricane Irma. Finally got a fair settlement after getting a lawyer and went through litigation process. Bank Of America wants to make the process even more difficult by implementing a process that makes no sense and only disrupts the homeowner negatively. Rather than simply endorsing the insurance payment check. BOA wants me to send it to them. So then can place the proceeds in a interest bearing account. I need to now send them all the insurance paperwork for the claim ( the insurance company has this information. why not contact them? ) The adjuster report and a contractor information before they endorse? Where was BOA a year ago when there were damages to the property? if i filed no claim and report no damage BOA would have no clue. so why do BOA want to take the insurance proceeds and place into an " interest bearing account '' while verifying repairs are done??? Mind you i would have to pay taxes on the interest. so why an interest bearing account?? How is this beneficial to the homeowner? this only Benefits BOA. Is this another way for financial institutions to rob hardworking honest people of their rightful claim and peace of mind? while fattening up their bottom line? this is money paid out by the insurance company and i find it very unfair if not mean spirited for after a whole year going through lawyers to get a fair payment, BOA   now wants to essentially slow up the repair process and possibly make money off a insurance claim payment??. Is BOA getting kickbacks from the insurance company?? I need the CFPB to really look into this process as it doesn't feel right and look right. And again, anything related to the claim that they want to verify, I am sure they can do that directly with the insurance company. Again this puzzles me because its not BOA paying out the funds, it's the insurance company who have after a lengthy litigation process made the payment!
Consumer complaint received 2022-07-12
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. (TX)

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DPT ED/XXXX  XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXXXXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX* DPT EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX  DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPTEDXXXXXXXX XXXXXXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXXXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPTEDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX* DPT ED/XXXXXXXX XXXXXXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DPT EDXXXX XXXX DPT ED/XXXX XXXXXXXX DPT ED/XXXX  XXXX SOC SEC ADMIN OFFICE O XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I disputed the account with the company and allowed them ample amount of time and they have have failed to comply with the investigation. They have failed to adequately respond to my debt validation. 

This debt was allegedly charged off and they are still reporting that I owe them after sending me a 1099C allegedly and showing no verification with the IRS .If a 1099C is filed how are you reporting income thats FRAUD violations : 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S Code 1681b Permissible purposes of consumer reports Produce the 1099C
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX and XX/XX/XXXX XXXX tries to make an online wire via the Chase Portal. The account was flagged for Fraud. I called in and after many personal questions about my use for MY money they released the hold. Only for it to happen once again. After my second attempt to fix via phone XXXX. I went to the Bank. Where I was told I would need and appointment or go online to unblock my account. I stated that that was not solving the problem. I told them I needed to see someone asap to solve my issue, but was told an appointment needed to be made. I asked to see the XXXX ' who the teller stated was on a 'conference call. '' after looking her up on XXXX I saw she was right behind the teller hearing the interaction and proceeded not to help. this was the XXXX XXXX. Then an armed guard with body armor approached me to tell me to leave. In which I now know the XXXX XXXX XXXX was listening to my conversation and infringed on my Personal Information and the right that brings along with it. 

as of today my account is still blocked. I am now told I need to go to a branch ( remember I could only do this online ) and show 2 forms of ID to get my XXXX out of their bank. here is the issue. I am over XXXX miles away from the nearest Chase and they do not care. I have taken this to the XXXX XXXX and that is the service I get from the top. 

It amazes me how many different agents I came in contact with. Nobody want to help and nobody told the truth. I received a different lie every time. at least keep them consistent. Like the " Conference call '' line. I have asked everyone along the line to speak to a XXXX and that is the one thing Chase was consistent on. telling me everyone was on a call. shocker.
Consumer complaint received 2022-07-12
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. (NY)

LET IT BE KNOWN THAT THIS IS MY SECOND ATTEMPT TO HAVE THIS UNVERIFIED INFORMATION REMOVED FROM MY CREDIT REPORT. IF YOU CONTINUE TO IGNORE MY REQUEST TO VERIFY THESE ACCOUNTS ( I.E. : AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) I WILL BE FORCED TO SEEK REFUGE IN COURT SEEING AS YOURE VIOLATING MY LEGAL RIGHTS AND ABUSING YOURE AUTHORITY. ITS BEEN 30 PLUS DAYS SINCE MY LAST REQUEST, PLEASE SEND ME PROPER VERIFICATION ON THE FOLLOWING INQUIRY ACCOUNTS OR DELETE THEM.
Consumer complaint received 2022-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I attempted to get a deferment for a month. I was advised I still need to make payments during the deferment process. I was told my deferment would be applied to the month I requested over the phone. Now I am being denied because they said I kept making my payments. They have also reported my loan to the credit bureau for the month I requested a deferment for.
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I want cfpb & XXXX XXXX to get involved with this immediately Answers from SPS IS JUST A SPIN.They have with their attorneys among other things DUAL TRACKED and i have application in for assistance from state IHAF and have confirmed appt for certificate XXXX XXXX. 
I was told by the ombudsman department several time in XXXX they had got me a loan mod telling me payment would go up too {$2400.00} asking me if i would accept that I SAID yes The last call i got was XX/XX/XXXX XXXX FROM XXXX again ( ombudsman ) saying please be patient he was just calling to let me know he was on top of everything and as soon as he see final papers he would get back to me.Have not heard from him or anyone else since. 
Their attorneys tell judge no loss mitigation is pending. 
I dispute all numbers and want a real investigation of everything .I WANT you AND ILLINOIS ATTY GENERAL TO FILE INJUNCTION AGAINST THEM as they will not put file on hold on their own!! 
We have a hearing XX/XX/XXXX AT XXXX THEIR ATTORNEYS KEEP PUSHING IN COURT
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (WI)

Something is very wrong with your mobile app and your website in the way that it displays scheduled automatic payments. My payment is due on the XXXX of every month. I am enrolled in automatic payments. I had recently changed the amount of my automatic payment as my balance decreased ( it was previously {$300.00} per month but since my statement balance is now less than {$300.00} per month, I revised it to pay my statement balance ). 

Because I did this, I went in last night to ensure that the payment processed. Around XXXXXXXX p.m. central time, I logged in to the app. To my surprise, the next pending automatic payment reflected was going to be paid XX/XX/2022. I then checked the posted payment section and that revealed no payment was posted for XX/XX/2022. This was concerning as there did not seem to be a payment scheduled for XX/XX/2022. I then went to the website to confirm that this wasn't just an app issue. The website, too, reflected that there was no posted payment and no pending payment for XXXX. I have a perfect payment history and did not want to incur a late fee or any other penalty, so I scheduled a manual payment to be paid XX/XX/XXXX in the amount of {$300.00}. To my surprise, when I logged in this morning, an automatic payment posted on XX/XX/XXXX in the amount of {$230.00} and my manual payment of {$300.00} that I scheduled is in the " Scheduled '' section and not the " Posted '' section. 

This makes no sense as the automated payment of {$300.00} was not reflected anywhere in my account on XX/XX/XXXX, neither as a pending nor a posted payment. It appears that this payment goes in to some kind of " limbo '' bucket where it is neither a posted payment nor a pending payment. This is a UDAAP violation. This is unfair and deceptive, as it caused me to make an additional payment to you that I would not have otherwise made. I could not have reasonably avoided any of this as your systems did not reflect any pending or posted payment as of XX/XX/XXXX. 

Screenshots 1-3 were taken at approximately XXXX p.m. on XX/XX/XXXX, and Screenshots 4-5 were taken the morning of XX/XX/XXXX. Please refund my payment in the amount of {$300.00} and fix your systems so you can see that there is an automatic payment pending the day that it is scheduled to be paid!
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates (CA)

I cancelled my service with XXXX  on XX/XX/XXXX. In XX/XX/XXXX XXXX withdrew {$180.00}. When I called XXXX  on XX/XX/XXXX to investigate they to told me the over withdrawal was their mistake and they would issue me a refund for {$120.00} I was promised a refund and as of today XX/XX/2018 after calling XXXX  month After month I have not received my refund and now XXXX reps are disputing with me. I have a balance debt with XXXX  for {$130.00} for terminating early but what about my refund? Why did they withdraw {$180.00}. On XX/XX/XXXX if I canceled my service on XX/XX/XXXX and I still have a balance debt with XXXX
Consumer complaint received 2022-07-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.