davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NJ)

On  X/XX/2017    at  XXXX   XXXX  I went t o the drive up of Wells Fargo Ba nk to deposit a check, and cash  XXXX  additional checks. I have banked at this same bank and branch for years, have  XXXX  accounts and a safe deposit box. I presented a photo drivers license and my AT M Wells Fargo c ard. I was told by the teller and the head teller id #  XXXX   XXXX  and  XXXX   XXXX  that my ATM card could not be used as an ID because it did not have a VISA LOGO on it. I was asked to present a VISA CARD for the transaction to be completed or did I want my checks back, or come into the branch to apply for a  WELLS FARGO VISA C ARD. As this upset me first because I can not walk at times, and secondly did not understand why t he Wells Fargo A TM card was not for ID.     I have watch ed the Senate hearings about Wells Fargo tryin g to push their products, know the CEO was fired for their marketing abuses, and I know my rights as a customer. I have never received a disclosure fr om Wells Fargo adver tising the use of the ATM card not being accepted as an ID. When I asked the banking reps the reasons for the ATM card not being accepted, no one could give me an answer.     I gave my  XXXX  VISA CARD in order to complete the transaction. I want to know what the teller did with my card, did she photograph it, make a paper copy of it, write it on the back of the checks, no one could give me an answer. I asked to see the bank policy in writing again, there is no follow up or answer.     The  Wells Fargo store nu mber is  XXXX ,  XXXX   XXXX   XXXX   XXXX   ,   XXXX  , NJ  XXXX  I wrote a {$500.00}. check on my checking account, cashing a NJ Treas check for {$110.00} and deposited a company check for {$6700.00}. There are liquid funds in the  XXXX  accounts to cover these checks. transaction number  XXXX  teller  XXXX , transaction  XXXX  teller  XXXX .     Subsequently I executed a presidential complaint, received three calls from various supervisors who stated they would send me the bank policy, and no one has gotten back to me about my  XXXX  VISA CARD account number where was it dispersed, what is the teller training regarding a competitors credit card, and no apology in a letter from the bank. I want to be added to the class action suit that the bank is currently experiencing for refusing to conduct my transaction without  a WELLS FARGO VISA CARD.
Consumer complaint received 2019-10-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (WA)

Diversified adjustment services calls me from a new number all the time after I block them. I answer the phone and have explained that Im at hard times right now and my priorities are feeding my kids. They always follow with how I always say that and those are just excuses and that I need to be a responsible mother and pay my phone bill debt.
Consumer complaint received 2019-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (WY)

XXXX XXXX XXXX, XXXX, -XXXX XXXX XXXX, XXXX, XXXX : sold us a concept to eliminate our timeshares and give us VIP LIFETIME Membership to XXXX FOR {$20000.00}. XXXX had the association with Capital One CC XXXX FOR PEOPLE TO APPLY FOR CREDIT SO THEY OFFERED A {$10000.00} EACH -APPLICATION FOR MY WIFE AND me CAPITAL ONE ACCEPTED US AND CHARGED EACH OF US XXXX IN XXXX OR XXXX MY WIFE AND I FOUND OUT THE COMPANY WAS A FRAUD ... WE FILED WITH CAP ONE A FRAUD COMPLAINING AND THEY DISMISSED MY wifes AND REFUSED MINE. I CONTINUED TO DISPUTE THE CLAIM AND THEY REFUSED THE FRAUD CLAIM SAYING THE COMPANY REJECTED HIS CLAIM ... I wrote them several letters to prove the bill. I HAVE RETURN RECEIPTS AND TRACKING CODES FOR MAIL. They just kept sending a bill with no proof of the bill. I sent them a final cease and desist to claim I owe a fraud bill ... 
We have never received any service for the charge and the company is out of business with no way to contact them ... We have been denied membership with XXXX, so the whole thing was a fraud. 
They refunded my wife {$10000.00} plus the {$100.00}. She paid and refunds that also. XXXX XXXX XXXX XXXX I would like a total refund FOR ALL I PAID and a clean credit instead of a charge off. 
Case XXXX ACCT XXXX after my Cease and desist letter they charged the bill off and sold the collection to a law firm to collect. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX FILE NO. ; XXXX I ALSO SENT 3 LETTERS TO THEM AND A FINAL CEASE AND DESIST, LETTERS WITH TRACKING AND RETURN RECEIPTS ALSO. THEY STILL CONTINUED TO HARASS ME WITH A COLLECTION.
Consumer complaint received 2019-10-19
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. (NY)

XX/XX/XXXX Received notice that a hard credit inquiry was attempted on my credit by XXXX XXXX. I reached out based on the information given to me, From XXXX XXXX Type Miscellaneous Contact XXXX XXXX XXXX XXXX, TX XXXX United States XXXX No one answers the phone.
Consumer complaint received 2019-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

The Capital One credit card debt was discharged in Chapter XXXX filed on XX/XX/2019. After the discharge, Capital One Bank sold the debt to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX with a reply that the debt was discharged in Chapter. XXXX XXXX XXXX calls daily more than three times per day regarding collecting the debt.
Consumer complaint received 2022-02-17
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-03
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. (TX)

I've contacted XXXX, XXXX, and Equifax in XXXX, XXXX and XXXX to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022, XX/XX/2022 and XX/XX/2022 stating the items were accurate and verified. I have also received an email saying the information was validated. I requested they provide me with their method of verification and if not, they need to update the information to paid on time. I have not received any documentation from either agency or the original creditor that proves I gave them written consent to anyone to furnish these items on my report and if the creditors state that I gave them written consent it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the Gramm Leech Bliley Act.
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CrossCountry Mortgage LLC (LA)

So my trouble started a year ( XXXX of 2022 ) into my mortgage with Cross country mortgage. At the time, they told me one of my policies expired and I needed additional coverage. They then bought a policy without my consent or any warning for well over XXXX XXXX This was in addition to my homeowners policy i already had in place. When I tried to find out what coverage I needed, I was told windstorm. I got windstorm however they kept the policy in place for an unknown reason but I presume because it was inadequate? I tried for weeks to get ahold of a person via the number on the letter to discuss with them but it went to a machine and when I was finally able to get in touch with people, they would hang up, disconnect, or the people I talked to sent me to machine after machine that never let me talk to a person that actually answered my question. I gave up. My mortgage rose {$1000.00} from XXXX $ to XXXX $ per month and no one from this company would help me. 

Fast forward a year, the previous policy i had expired and they are now threatening me with a nearly {$6000.00} policy ( keep in mind this is after I had a separate comprehensive policy that.met all their check boxes which they REJECTED but did not.explain WHY. 

I'm a XXXX  ( XXXX XXXX ) so I work a lot, upwards of XXXX hours on a light week. I have no time off so I needed a company that would help me troubleshoot the problem when I had a letter telling me they would be raising my escrow came and they'd rejected my policies. 

This company isn't it. They won't help you. They don't care because they hold your payments under their own exclusive control. I don't know mortgages, I know physiology, pathology, and pharmacology but at least I explained everything to my patients. This company wouldn't help me at all.
Consumer complaint received 2022-03-22
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-22
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX I was forced to file chapter XXXX  bankruptcy (I lost my job and my wife suffered medical problems that temporary left her unable to work). One of the creditors was a Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX (XXXX) XXXX-XXXXIn XXXX all the records of the bankruptcy finally dropped off my credit report and I have had an excellent credit rating and FICA score since.  However, on XX/XX/XXXX of this year XXXX XXXX has reported to Transunion the debt owed to them from the bankruptcy as new debt from XX/XX/XXXX, with a new removal date of XX/XX/XXXX. I have the original records of the bankruptcy showing the discharged debt. I have disputed the new record of the debt with Transunion. XXXX has dropped the debt and I was unable to obtain an online report from XXXX and had to request it by mail.Because XXXX XXXXy reported this debt again as new debt my FICA score with my credit card companies and my Bank (XXXX) has dropped significantly.Is there any other recourse I have other than disputing the reporting of the discharged debt?Is reporting this discharged debt as new legal. ThanksXXXX
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I disputed a debt account that is reporting to alll 3 credit bureaus from portfolio recovery llc. I am a victim of identity theft which I submitted police report ftc fraud affidavit and other information not only did the claim they validated the account the lied and stated that they sent me information regarding the debt in XX/XX/XXXX. I never received such Said communication that they allegedly sent and if they did send anything why did they request for me to contact them because they may not know how to contact me. That doesnt make sense Ive been living at this same address since XXXX that they claimed they sent correspondence to last year so how is it they supposedly dont know how to contact me. They are damaging my credit report and reporting an account that I have no knowledge of and they know it. This needs to be fixed immediately
Consumer complaint received 2021-04-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-14
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. (MO)

Why is it that these credit reporting agencies or continuing to mis report these unauthorized accounts on my credit report, I have previously reported that my identity was compromised and the result is these unauthorized fraudulent accounts that I'm demanding be removed from my credit files immediately. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$810.00} 5. XXXX, XXXX {$170.00}
Consumer complaint received 2019-10-19
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 (DC)

As part of an ongoing effort to get Discover to recognize that they opened an account in my name without my participation, knowledge or consent, I've sent them several documents proving my position.

Three weeks ago, I got a letter related to a taxable income form they claimed to have sent me in 2018 regarding this account and reporting as income I collected.

This morning, I received notification that they responded to two disputes I initiated with them.

The problem - I never contacted them regarding any disputes.

I'm not sure what sort of con Discover is currently running, but, once again, they are taking action in my name - action that I never initiated or asked for. 

This needs to stop and they need to admit that they were in the wrong for issuing this account to a person who wasn't me.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services (IL)

I requested a full file disclosure, opt of of permanently solicitation or credit offers for 5 years and a security freeze, I have no confirmation of the items I requested over 30 days ago on XX/XX/2019
Consumer complaint received 2019-10-19
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: AMERICAN EXPRESS COMPANY (NY)

I applied to American Express credit cards. Got approved on the spot for AMEX Everyday And they offered me a welcome bonus like spend a thousands in 3 months get XXXX points And the Cash Magnet   AMEX it was offering me XXXX $ in 3 months for a XXXX dolar. I personally applied for this promotion because it felt to me a good deal. 
I was able to spend the required money and started to wait passionately for my bonuses. 
I started to call the costumer service every representative is telling me something different. Theyre telling me that theyre investigating the issue and rejecting them for the 2nd time. As I ask for a reason why they not take their word, they start telling me that they did not promised to me and lie about it.

I applied online for the two cards. 
They are going to ask for proof. I know what I saw on the promotion, when I applied for it.
Consumer complaint received 2019-10-19
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. (IL)

I have requested a security freeze onXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and as of today again, I received a full credit report and other info stating that my current disputes were being investigated. But when trying to make the request online, i get an error message that I need to submit an Identification such as state or driver license, utility bill and a copy of my security card.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I disputed a debt held by XXXX XXXX XXXX bought from XXXX XXXX  with all three credit reporting agencies. I'm assuming that XXXX XXXX XXXX didn't supply proper proof of validation/verification or didn't report the information in the requisite 30 days. I say this because XXXX removed the information from my credit report as of today. XXXX  and Trans Union didn't follow suit and are still reporting the debt on my credit reports.
Consumer complaint received 2019-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

This company, PayPal, has been a pain with me all week ( culminating in horror today, Friday, XX/XX/2019 ). They limited my account and restricted me from doing anything three times just because I was a victim of a fraud and had to dispute a transaction. They are making me afraid to dispute other transactions that are not legitimate on my account. I have a little bit of money in the account and want it OUT but I was told that I could not get it out for 5-7 days, and the only reason is because their website was broken and the first time I tried to transfer it did not work, and then I tried " too many times '' so I will not be " allowed '' to get my money out. You should see my saved chat transcripts with one of their support representatives, it is unbelievable. At this point, I just want them to correct my disputes caused my identity theft ( a report with the FTC has been filed ) and I want them to let me transfer my own money to my own bank accounts without giving me potentially illegal excuses that make no sense. 

I have attached additional information. Beyond that, there is much more information ( more police reports and such ) available upon request.
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Consumer complaint received 2022-07-06
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. (TX)

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this is my debt. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX Account number XXXX Recent balance {$520.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX  Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$520.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Comment history Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) .| XX/XX/XXXX - XX/XX/XXXX Affected by natural or declared disaster.| XX/XX/XXXX Account history 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 Payment history guide Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$520.00} / No data/ No data/ No data XXXX XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data The original amount of this account was {$520.00}