davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
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. (MO)

XXXX, and Transunion are reporting unverified collections accounts on my credit profile. I have no contract with any of the listed creditors below. I was not provided any existing contract or proof of this account belonging to me. 

XXXX XXXX XXXX Last reported : XX/XX/2019 {$1500.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1100.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1100.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1000.00} XXXX AND XXXX Last reported : XX/XX/2019 {$730.00} XXXX AND XXXX Last reported : XX/XX/2019 {$710.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$600.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$600.00} XXXX AND XXXX Last reported : XX/XX/2019 {$500.00} XXXX XXXX XXXX  Last reported : XX/XX/2019 {$160.00} XXXX XXXX XXXX  Last reported : XX/XX/2019 {$160.00}
Consumer complaint received 2019-04-02
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: Experian Information Solutions Inc. (CO)

In early XX/XX/2019 I filed an online request to obtain my annual free credit reports from XXXX, XXXX and Experian. I have received reports from XXXX and XXXX. I received a letter from Experian dated XXXX XX/XX/2019 declaring I did not provide sufficient information to send me my report. I do not understand why, when I go online to request this information, it is adequate for 2 firms and inadequate for the third. I have tried for 2 days to contact Experian and have been unsuccessful. After the recent Experian data breach disaster, and the lack of concern for common Americans exhibited over the last 26 months by the liar in the White House and his indictable cohorts, I am extremely concerned that my personal information is either 1. compromised and available to fraudulent or criminal sources, or 2. inaccurate, untruthful, or just plain wrong. I accept that in the end, I am the one most responsible for my security. However, I have been unable to contact any human being at Experian to seek help on this matter. I believed that completing my request at XXXX was the correct way to review my credit information. Is this no longer true? What advice can you offer about how to either contact Experian, or make a request that they remove any and all information about me from their records and confirm that fact to me?
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (DC)

This card was a gift valued at {$500.00} and I received it in XX/XX/XXXX. It was in a drawer in Washington XXXX DC. In XX/XX/XXXX, I checked the balance and it was {$2.00} and there were 5 transactions totaling {$490.00} that occurred on XX/XX/XXXX at " XXXX 's '' which appears to be a grocery store in California. As soon as I discovered this I called InComm Customer Service and submitted a fraud dispute along with all the required documentation. The email told me that I would receive an email resolution in 45-90 days. Nearly 9 months later, I have not received any correspondence despite following up twice. This is clearly fraud and they have not protected their data as the card was no where near California when the transactions occurred.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX - G M Card ( bought by Capital One in XXXX ) was declined. NO ONE called me as is usual when this happens. 
XX/XX/XXXX - I called Capital One - got 2 different versions of why it was restricted including " someone tried to access your credit '' and then " got a DEATH CERT on you - you're DEAD! '' After getting upset with the company the they became more 'we 're on your side ' etc - and sent me a link asking for 3 forms of I.D . including SS Card ; Driver 's license and a bill. In the process I was asked for my SS # at least 3 times in the call until I told them no more sharing of it without recourse as this seemed very odd by 'XXXX XXXX. 
XX/XX/XXXX - Called again - link never rec 'd - sent again and due to obtaining documents and being out of town I scanned my DL, SS card ( both sides ), Real Estate taxes paid XXXX and a utility bill. The message rec 'd indicated it was " received '' and the agent on XX/XX/XXXX informed me I would hear something in 7 - 10 days. 
As of XX/XX/XXXX no word. 
XX/XX/XXXX CALLED - told account was closed - 'Fraud Application. ' Questioned this as applied and approved for card in summer of XXXX - 24+ years ago. XXXX couldn't tell me if this had anything to do with their own data breaches this year - or why it was determined Fraud - SS # breach, or what? My father XXXX XXXX XXXX XXXX XXXX died in XXXX XXXX 4 years before I obtained this card ) and curious if it is related to this. WHY are banks allowed to not disclose issues affecting an individual 's credit, rating, etc? 
LAST : Why didn't I get a final bill, there was a balance due of {$1500.00} approximately due - will this be noted as delinquent against my credit rating? They also can't tell me why. 
XXXX XXXX XXXX XXXX XXXX XXXX cell phone number. Thanks for any help with this inept Capital One handling of some form of fraud with my card had since XXXX.
Consumer complaint received 2019-04-13
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2019-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (CO)

Credit Acceptance Corp is reporting incorrectly on XXXX a collection for the amount of {$12000.00} account number XXXX. ( Please see page 39 of the attached credit report. ) This account is not mine. I do not know who Credit Acceptance Corp is and I do not know how this account got reported to XXXX and ended up on my credit report. This incorrect reporting is harming my credit score. I have contacted XXXX to fix this issue.
Consumer complaint received 2019-04-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

On XX/XX/2018 my husband was assess to have a XXXX XXXX XXXX XXXX  XXXX. We live in XXXX County IL where we are now 100 % tax exempt. We faxed to Freedom Mortgage all of the documentation showing the home was 100 % tax exempt and that the tax they had already collected was more than ample for anything that might be outstanding. We asked that the escrow be cancelled since we have our own insurance and there is no tax due. 
Freedom Mortgage recognized the exemption but asked for added information in XX/XX/2018 I then supplied added letters from the XXXX county assessors office and they updated their website to reflect the XXXX amount due as requested from Freedom Mortgage. They continued to try and collect the totally escrow amount due included the non existent tax. I had the township assessor in XX/XX/XXXX write a 10 page document to the Mortgage company stating that there is no tax and I was told by Tax department that this letter was more than was needed to remove the tax. They took 30 days to do a escrow review they decided to remove most of the tax butt forgot to retro activate it to XX/XX/XXXX. So through XX/XX/XXXX and XX/XX/XXXX we are working on getting tis issue fixed. During this time that have been reporting on my husbands credit report a collection for amounts that are incorrect. During our XX/XX/XXXX call I found out we were being double covered by insurance since we have our own. On the XX/XX/XXXX I spoke to XXXX in the insurance division where this company has been collecting money with the premise that they had insurance. I called XXXX XXXX and requested information on the insurance policy. I found out that no such policy exists and that Freedom mortgage has been collecting these funds since XX/XX/1016 on a insurance policy that did not exist. That XXXX in the insurance department confirmed had been cancelled at least a year or more ago but the proceeded to collect funds ( Insurance Fraud ). So as of today they added the tax back on the payment ( which doesn't exist ) and the insurance premium for insurance that doesn't exist.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OH)

Hello, I have a Home Depot Credit card ( Citibank ) XX/XX/XXXX I contacted Home Depot after losing my job to explain I needed some assistance and hardship to be able to pay this bill which at the time was a little over XXXX. With some other bills I had my husband and I worked most of them out that I had but Home Depot was very nice to me and advised they have a program I could be in that would automatically withdraw XXXX a month interest free for 52 month. I could pay more but nothing else would be added. So after discussing this with my husband we decided to go that direction with Home Depot. 
I called them back to accept this offer and nothing more was said to me I was in the program. For some reason I stopped getting emails from Home Depot so I called and they mailed statements out. I advised I really wanted them emailed so after that I received nothing however every XX/XX/XXXX they took out XXXX from my account. My husband decided we wanted to start getting more aggressive with paying this off so I called to confirm the balance and to get the monthly charged increased and where we found out they had charged over XXXX in interest since then. I spoke to many supervisors for over a week and they advised there was nothing they could do that was the agreement. This is insane I kept explaining and no one will do anything for me I would have never agreed to this. I was told they told me when I started the program the promotions had to be paid or interest would have been charged. I advised that was NEVER stated in the agreement and they needed to listen to the conversations I had with the agents that I spoke to. They advised they didn't have to because they tell everyone this if getting into a program. If I would have known this I would have confirmed how much had to be paid before the promotions were up and focused on paying that until it was paid. I am so upset about this because this program is a scam to collect more money from the consumer. I am also writing to the Better Business Bureau as well. I hope someone can help me get this resolved I have written to Home Depot with my concerns but they really don't seem to care at all! 

My name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX OH XXXX CELL # XXXX Email XXXX XXXX
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MD)

2 Years ago Commonwealth Finance tried to put a debt of {$730.00} that was not owed by me into collections and I received a derogatory mark on all 3 of my credit bureaus. I called them and explained that they had the made a mistake and my last name is different than the person who had the collections account with them. They removed the account from all 3 credit bureaus and now 2 years later they randomly popped back up into my credit report. They are trying to intimidate me to pay a debt I do not owe. I get calls every day and it is driving me insane.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am getting the round around from the customer service department of Capital One. I am an existing customer and I am being treated like a criminal!! I have an account with this company and I am being treated like a number with them. I am trying to activate my card and I am told that it may take up to two weeks. I called the fraud division today two times and I was hung on the first time and I was put on hold for 11 minutes the second time. I opened a new card on XX/XX/XXXX and was told to fax in my utility bill and other private information ( social security and ID ). After a week I called to check on the status of my card. I was told that the fax I was told to send was blurry and they then told me to download the same information from my cell phone and that they would then activate my card. It has been 4 days and my new card is still not activated! When I call to ask why it is not activated I am put on hold for 11-20 minutes and then the customer service rep hangs up on me. This is the worst customer service I have had in years especially since I already have a card account with this company. I have called to verify that I am the consumer but no one will treat me with respect. They are saying that I am a liar and that I am not the person who opened this account when I have faxed and downloaded information through my cell phone! This company is rude and the customer service is terrible!
Consumer complaint received 2019-04-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NJ)

I submitted documents to M and T Mortgage for a loan modification, as I had fell behind because of unexpected hardship expenses. Im not finally ok, she just want to get my mortgage back on track. 
About 10 days after I submitted the documents via the banks email system for modification applications, I called the bank to check on the status. I was informed by the agent that they do not see my documents. I assured the agent I emailed them 10 days prior and got confirmation of that. The agent then asked me how many pages I submitted, because he explained that if its more than 20 pages, theyd system will not transmit, and that it has to be 20 pages or less. I told him I submitted more than 20 pages, so it was decided I would resubmit the application in smaller amounts of pages. I did so, and they got them.

I made sure to point out that the bank can not penalize me for missing a 37 days guideline, cause its not my fault their system only transmits 20 pages at a time, and the bank never advised me of this, nor was the info on their site. The agent explained that the system failure would be taken into consideration. 
Now I realize it was not, because the sale date was supposed to be placed on hold and it was not, because they claimed I missed the 37 days deadline! Even though its not my fault! Now I have a sale date hanging over my head BECAUSE OF A SYSTEM FAILURE AT M AND T BANK!
Consumer complaint received 2019-04-02
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. (LA)

XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX - partial account number XXXX. ( Please see pages 9 and 11 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Management Services, LP (CA)

A friend of mine from high school first called me 2 weeks ago stating a debt collection agency had contacted her, seeking out for me. She informed them that I was out of the country and had no means of communication with me. This week they have called her again and she contacted me about it. Once I asked her how many times they called, she told me this week was the third call made. 

Are they allowed to repeatedly call third parties?
Consumer complaint received 2019-04-02
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. (LA)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX Is calling me and family members I am no longer in contact with constantly. This is regarding a supposed debt from XXXX XXXX from 2012, which I have disputed. There is no outstanding account from this bank on my credit report. If indeed it is something from 2012, I find it ironic that they are calling me now to collect just under the seven year deadline. XXXX XXXX is using abusive threatening language, hanging up on me when I ask for documentation, accusing me of being unintelligent, and ar overall rude. I want these calls to stop immediately and Ive asked them to stop calling my family. They refused to do so and are threatening to come to my house with legal papers. I asked them to send me something in writing, which I believe is my right and they refused to do so. They tell me I have to get a lawyer to contact them.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Williams & Fudge, Inc (OH)

I was recently made aware that I am too a victim of XXXX and the services provided thru XXXX XXXX XXXX XXXX. ( Case : XXXX ) I am currently experiencing financial hardship as creditors are coming at me and my accounts have been drained from fees to XXXX XXXX. They are threatening to garnish my wages and my credit score has been significantly impacted. I am curious if you can help me or at least point me in the right direction to get some help. 

I reside in XXXX XXXX Ohio, and am unsure what my options are.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Southwest Business Corporation (VA)

Good morning : My problem is my current Mortgage Servicer. We are currently up to date on our loan. We have always been current on our loan. My problem is the communication SWBC is providing to us. As I understand most mortgages are due the XXXX of every month. We have paid EVERY payment prior to this date.

SWBC I have the letter attached, has been communicating to us with this letter the XXXX of every month with Delinquent Notice. To my understanding we are not late at all on our loan! Why should we receive this type of notification ( I completely understand a reminder letter or notice but makes it seems on this date we are late and need to pay right now!! ).

The second page describes This communication is from a debt collector. Why is this happening again we not late ( please find the payment amount and not late fee listed on first page ).

This can not be an appropriate communication you can send to a customer ( I have called customer service, and they said it was the law to do this ( is this true ).

This letter is completely unnecessary and wording that is not appropriate and should not be used for a borrower is in full compliance. I would like your organization to investigate for a clear answer from this servicer.

If you have any further questions, please do not hesitate to contact me at ( XXXX ) XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I met the spending requirements for a new card bonus ( Savor ) within the time required, counting the time I actually had the card. However, it was not '3 months from signing up ' as the card didn't get to me until a month after I signed up. I also had to get a second card along the way because of a ( false positive ) fraud alarm. In summary, I spent more than double the minimum spend requirement within 3 months of having the card in my possession, but it was 3 months and a few weeks since signing up online. 

First week of XXXX : I called customer service about the issue. ( I thought they resolved it, but they didn't ). I asked to speak to a manager, they were unable to resolve and told me I was speaking to the most senior person in the company I could talk to on the phone. 

XX/XX/XXXX : Emailed CEO XXXX XXXX and XXXX XXXX, Head of Card Services XX/XX/XXXX : Followed up with above after no response. 

XX/XX/XXXX : Emailed XXXX XXXX ( President, Financial services ) and XXXX XXXX ( President, Retail & Direct Bank ) with CC to XXXX XXXX XXXX Still zero responses ( from anyone ).
Consumer complaint received 2019-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc (PA)

On XX/XX/17 I opened a self lender account- in my inquiry process they explained that I could cancel if I needed or wanted to, and that if I couldn't make a payment they would cancel the account for me prior to it damaging my credit. I canceled within a few days, and prior to the first payment. They never cancelled the account, and its showing a 90 day late on my credit report. I tried to negotiate with them, to open an account and do business if they would remove the previous, whatever it would take. 

It's still there. The premise was they help to build your credit up, but they did nothing but damage mine.