davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested a Block due to ID Theft to TransUnion and was denied with no reason provided. Below are the attempts to have this resolved. 

XX/XX/19 Fraud Alert Added to my TransUnion Account File # XXXX XX/XX/19 Credit Freeze Added XX/XX/19 Mailed FTC ID Theft Report # XXXX, copy of DL, police report XXXX disputing fraudulent activity on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, address of XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and all 58 inquiries listed on my credit report. I also included a statement from XXXX XXXX the account is closed with {$0.00} balance, letter from XXXX XXXX dated XX/XX/19 stating there are no late payments. 
XX/XX/19 I did not receive a response from my request and was instructed by the FTC to send a Block request for the ID theft so I mailed them this letter, FTC Report, copy of DL, copy of TU credit report showing fraudulent activity and a copy of FCRA 605B. 
XX/XX/19 I received a letter from TransUnion file # XXXX stating they have declined my ID Theft block request but failed to provide the specific reason. 
XX/XX/19 I called XXXX-XXXX-XXXX XXXX XXXX CST and spoke to the fraud department representatives regarding this XX/XX/19 letter file # XXXX. I spoke with XXXX, XXXX - stated the letter was sent in error and to wait for the dispute to complete by XX/XX/19. I explained TU had 4 days to block the fraudulent accounts which he denied, asked for manager, transferred to XXXX who stated the fraud block did not meet their internal criteria for fraud and refused to disclose what this was, asked for manager. Trans to XXXX a manager that also refused to provide this criteria or any information to get this blocked. I asked for a manager he refused and stated there was no one above him but gave me the corp office # XXXX-XXXX-XXXX which is a vm for the executive resolution team. I left a detailed message on XX/XX/19 XXXX XXXX CST.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capital One Auto Finance in XXXX about modifying my loan. The modification was approved and I was told to make a payment by XX/XX/2020. I made the payment on XX/XX/2020. The representative that approved my modification made no comment or indication about credit reporting during the call. As of XX/XX/2020, Capital One reported my auto account 30 days past due. This was never explained to me over the phone about any credit reporting or late payment, otherwise I would have made the payment sooner. I am requesting that the credit report be updated to reflect current status. I have never been late on my auto payment and this was clearly not explained to me during the modification by the agent. I have called Capitol One a few times to try and resolve this matter and nobody seems to care to get my credit report corrected.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I filed complaints with Wells Fargo based on some charges made on my Wells Fargo VISA debit card. Wells Fargo agreed that I was in the right so the complaints then went to the VISA level for their decision. There were all kinds of rule and policy violation by Wells Fargo so the claims were denied by VISA. I took Wells Fargo to small claims court on XX/XX/2020 and won the case. The court awarded me {$9300.00}. Wells Fargo had 30 days to pay me but I have not received the money as of XX/XX/2020. Given that I am severely ill and had to attend small claims court in a gurney  after a 9 month battle with Wells Fargo this is particularly egregious that they are once again forcing me to fight for the money that I am due.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

I had an XXXX collection from XXXX for {$820.00}. I refused to pay the original amount to XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX XXXX financial systems for the amount of {$820.00} and i was offered a 50 % discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from COMMONWEALTH FINANCIAL SYSTEMS asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX % discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter.
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

Requested APR to reflect the lower rate afforded to my military status in XX/XX/2019. The XXXX XXXX XXXX   started XX/XX/2019. Under the SCRA the APR should be 6 % not 18.33 % I was being charged. After 6 calls over 4 months there was no resolution and no explanation why it has not been processed.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

BACKGROUND : We are experiences problems with servicers : OCWEN Financial, PHH, XXXX, Attorney : XXXX XXXX and allegedly deed holder : XXXX attempting to foreclose on our home located at XXXX XXXX XXXX XXXX XXXX GA . I am XXXX XXXX Chairman of the Board of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PRIVATE SPECIAL PRIORITY ) and the home owner along with my Wife XXXX XXXX. Our property is XXXX XXXX inside the of the aforementioned trust. In XXXX, we refinanced and then settle this mortgage with XXXX XXXX XXXX. The debt was settled with lawful money but a security deed was created by XXXX XXXX XXXX. XXXX  XXXX XXXX  went out of business in XXXXXX. Our research indicates that a security deed remained on our property even after XXXX XXXX XXXX  went of business. 

STATED BELOW IS OUR MAIN ISSUE : On or around XX/XX/XXXX, on behalf of XXXX XXXX, XXXX unlawfully executed an assignment from XXXX  XXXX XXXX to XXXX XXXX  XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX XXXX , XXXX., MORTGAGE LOAN TRUST, SERIES XXXX. In our research, as detailed in the Pooling and Serving agreement ( On The SEC website and attached to this complaint ), the cut-off date for this Remic was XX/XX/XXXX with a closing date of XX/XX/XXXX. Adding this alleged loan roughly 9 years latter ( XXXX ) would have made the entire Remic defective ( ultimately collapsing this REMIC  ). As the XXXX identifies that moving this loan into this REMIC 9 years latter is impossible and totally unlawful.. 
During unlawful foreclosure attempts, XXXX XXXX is specifying that they are acting on behalf of XXXX XXXX  as attorneys In Fact for said Foreclosure. 

Prior to all unlawful attempted foreclosure actions, the XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ( PRIVATE SPECIAL PRIORITY ) executed Revocation of power of attorneys for XXXX XXXX, XXXX, OCWEN, PHH, XXXX and all associated parties. They all received notification of these filings. XXXX XXXX has continued to proceed unlawfully. 

In contacting XXXX  XXXX, ( employee identifier XXXX ) informed us that the investor ( Secured holder of mortgage ) was XXXX XXXX and NOT XXXX. 

While the documentation sent to us by XXXX ( identifying themselves as the servicer ) specifies that XXXX XXXX  is the investor/Secured creditor. The information that we've received is all over the place. In Contacting XXXX customer service ( XXXX XXXX ), specifies no loans associated with our names, address or SS #, In Contacting XXXX XXXX  ( XXXX at XXXX ) and XXXX XXXX, specifies no loans associated with our names, address or SS #. 

In Contacting XXXX XXXX ( Customer service XXXX ) specifies no loans associated with our names, address or SS #. 

CONCLUSION : Our original loan # XXXX XXXX/PHH/ OCWEN are attempting to assign us a new account number of XXXX XXXX XXXX , OCWEN FINANCIAL , XXXX , PHH , MERS are all colluding to defraud XXXX XXXX and XXXX XXXX XXXX. 

BTW : PHH, XXXX are owned by OCWEN Financial
Consumer complaint received 2020-02-25
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-03-13
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. (TN)

The following information XXXX XXXX XXXX reporting on my Experian credit report ( report # XXXX, dated XX/XX/XXXX ) is false and inaccurate. 

1. XXXX XXXX XXXX is reporting the account Status as Petition for Chapter XXXX Bankruptcy. This is not correct. I sought Chapter XXXX on XX/XX/XXXX. My Chapter XXXX was DISCHARGED on XX/XX/XXXX. I am no longer in bankruptcy. 

2. XXXX XXXX XXXX is reporting the Account History as Charge Off. This is not correct. This account was Paid-in-Full {$7900.00} by the Bankruptcy Trustee, XXXX XXXX XXXX, XXXX. 

3. XXXX XXXX XXXX is reporting the Account History that I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. This is absolutely false. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint, ( CFPB Complaint # XXXX ). XXXX XXXX XXXX response stated they were to correct the inaccurate and false information, ( AUD Control Number : XXXX ). However, XXXX XXXX XXXX has failed to properly do so as Experian continues to report falsehoods.
Consumer complaint received 2017-05-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NJ)

money was se nt to western union to  be picked up by this person Date of Order :  XXXX / XXXX /   2017  Amount Sent :  USD   XXXX  Receiver Name :  XXXX   XXXX  tracking number mtcnDate of Order (   XXXX   ) is :  XXXX  :  XXXX / XXXX / 2017  Amount Sent :  USD   XXXX  Receiver Name :  XXXX   XXXX  Status : Picked up Status : Picked up they gave me   XXXX    number which is  XXXX  when submitted to  western they say can not be found, dont know who to contact except western union
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have continually attempted to resolve this issue with both of these companies but they have refused to fix this issue. 

I have repeatedly disputed this XXXX XXXX account that continues to exist as an outstanding balance on my credit report. XXXX XXXX and Portfolio Reacovery Associates refuses to correct this issue.They are only concerned with getting the money but is not concerned with correctly reflecting the accurate information on my credit report. 

XXXX XXXX referred my account number ending in XXXX to Portfolio Recovery Associates. Portfolio assigned a different number to this account XXXX and I paid this account in full to Portfolio recovery associates on XX/XX/. 

Portfolio only reported to the credit bureaus that the collection account was paid in full, not the XXXX XXXX account with the original number ending in XXXX. Portfolio never reported to XXXX XXXX that this account was paid or maybe it did and XXXX XXXX refused to update to all three credit bureaus that this account has been paid in full. The account has two different numbers, one resides with XXXX XXXX and the other with Portfolio recovery associates but this is the same account. 

I have attached the documentation that this account has been paid in full from Portfolio. I called XXXX XXXX last month and they assured me that they would get this taken care of and will collaborate with Portfolio Recovery Associates that this will be taken care of. It never was. My credit report from all three bureaus is unfairly and inaccurately showing that I still have an oustanding balance with XXXX XXXX with the account ending in XXXX and this is incorrect. This account has been paid in full with Portfolio recovery associates. I have also attached how this account appears on my XXXX credit report. This is laziness, unprofesionalism and unethical behavior on the part of XXXX XXXX and Portfolio recovery associates to refuse to correct this on my credit report. 

I also called Portfolio recovery associates last month and told him that Portfolio had assigned a different number than what XXXX XXXX had one file and they are only reporting for the collections account. The beligerent, hard-headed man that I spoke to refused to listen to me and insisted that there was only one number assigned to this account and it was the account number originally assigned by XXXX XXXX. 

Please impose penalties on both of these companies for violating the provision of the Fair Credit reporting act for failing to report accurate information to consumer credit reports and enforce them to update that my XXXX XXXX account has been paid in full because the collections account by Portfolio recovery associates and XXXX XXXX account are on in the same. Thank you.
Consumer complaint received 2020-02-25
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. (AZ)

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account numbers XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts have been transferred and should not be reporting. I have attached letters for these accounts proving they have been transferred. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-25
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. (AZ)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account numbers XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts have been transferred and should not be reporting. I have attached letters for these accounts proving they have been transferred. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-25
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)

XXXX XXXX is knowingly reporting false information on my credit profile. I do not have a delinquent balance with XXXX XXXX in the amount of {$1400.00}.
Consumer complaint received 2020-02-25
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. (AZ)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account numbers XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts have been transferred and should not be reporting. I have attached letters for these accounts proving they have been transferred. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I have been disputing a debt which is not mine for months that is showing in my credit report as XXXX account number XXXX. I have written to XXXX several times at the address provided in the report, which is XXXX XXXX XXXX XXXX, CA XXXX. It turns out that this is an incorrect address for XXXX and has not been valid for years. This has cost months of delay in this process and Experian will no longer take a dispute for one reason or another. And I can not clear this up with the creditor since Experian does not list a vaild address, which I believe is the responsiblity of both Experian and the alleged creditor to have valid contact information listed under the FCRA.
Consumer complaint received 2015-12-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I opened and funded an HSBC Advance Checking Account around XXXX/XXXX/XXXX by telephone using a referral code, XXXX, from a friend, XXXX XXXX. HSBC has a promotion that is supposed to issue me a credit of {$100.00} for opening an Advance Checking Account using a referral code within XXXX weeks of fully funding the account. See offer attached. I have called many, at least 3, times over the last 3 months trying to get my bonus. But continually I have been told that HSBC has to look into my situation more. I was finally able to get a nice customer service rep, Tin, last week who seemed to be helping but in the end she said that the " back office '' was reviewing my account and a decision would be made by the end of XX/XX/XXXX. 

This is totally unacceptable. I have spent hours talking to the bank to get my deserved bonus. I have done everything required to deserve my reward and now I want the bank to live up its obligation to me.
Consumer complaint received 2023-03-24
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 (DC)

MasterCard ( Savor Card ) ; issued by Capital One Bank. This card has a {$500.00} credit limit. On XX/XX/XXXX the cardholder submitted purchase Dispute / Claim ( # XXXX ) against Merchant for {$150.00}. Capital One Card Protection services within Card Investigations are ( an offshore call center ). Capital One does not provide a direct line of communication within back office decision makers referencing consumers complaints nor does it provide direct access in order to dispute 'MasterCard decisions '' when it comes to consumers line of credit, transaction disputes, and providing adequate digital forms of communication. Cardholders with legitimate disputes are regarded as low priority compared to 'fraudulent claims ''. Capital One offshore disputes and resolutions services are inadequate and counterproductive in solving legitimate consumer claims. The process is level 1 or level 2 in terms of resolutions. Given Capital One has an arcane version of communication, there seems to be no real relief to cardholders nor does it mean positive outcomes. In the Case Dispute as mentioned above ; Capital One, opted to provide a provisional credit for a period of ( 10 ) days back to the cardholder ; however reversed the credit back to the cardholder, when they received a letter from the Merchant 's Terms and Conditions and its buyer Policy. Capital One didn't investigate the dispute, didn't request Merchant to provide proof of services, nor proof of refund if any. Cardholders are left to spend hours to clear up 'bogus purchases ' taken by illegitimate merchants, scam merchants, merchants who provide high-resolution advertising and seduce consumers to make purchases for services that will not come to fruition. MasterCard card services must investigate thoroughly those purchases made by merchants who seduce, entrap, falsify, scam consumers by means of credit card transactions via online. In this case Capital One didn't resolve the dispute nor provided cardholder with positive outcome ; instead charged cardholder back the amount and didn't accept cardholder 's documents nor explanation.

The purchase made by the cardholder to receive services by the Merchant were bogus ; cardholder didn't receive goods or services ; instead received documents from the merchant stating a refund would be applied back to the card ; and later advised a paper check would be mailed since XX/XX/XXXX. XXXX has exhausted attempts to work with Capital One ; each time the call center and/or provide insufficient information.
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (FL)

While most state harassment laws do not require the victim to formally request the harasser to stop, some documentation goes a long way in establishing your displeasure with the offender 's actionshence the cease and desist letter. ... A cease and desist order is given by a judge to order a person to stop a certain act.