davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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: DISCOVER BANK (CA)

DISCOVER FIN SVCS LLC I am writing to dispute the following information that DISCOVER FIN SVCS LLC supplied to XXXX, XXXX and XXXX This item DISCOVER FIN SVCS LLC is inaccurate because I never requested to open a credit card with them nor ever had their credit card. I am requesting that DISCOVER FIN SVCS LLC have the item removed. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

I recently applied for an American Express Blue Cash Everyday Card and requested a balance transfer of {$4000.00}. The terms of the balance transfer were 0 % interest for 12 months ( my expiration is XX/XX/XXXX ) and 3 % balance transfer fee ( {$120.00} for my requested transaction ). The balance transfer request was made on XX/XX/XXXX, yet the request was not approved until XX/XX/XXXX and processed until XX/XX/XXXX. In the meantime, I was charged {$52.00} interest from the original credit card company while I waited for the transaction to be approved and processed. When the balance was transferred to XXXX, the balance was transferred into an interest-incurring sub-account and I was charged {$41.00} on my first account statement. I called XXXX to remedy this issue and was told it would be corrected quickly. I had to call two more times over the next week to get resolution. The account was credited on XX/XX/XXXX ; however, since I had made purchases and payments on the account, XXXX moved {$2700.00} of the {$4000.00} balance transfer to the 0 % interest sub-account, essentially applying payments for my purchases to the balance transfer while leaving the purchases ( which are charged at a rate of 16.99 % ) available to have interest charges applied. The payments I made to the card exceeded the new purchases I made on the account. I called XXXX again twice since the XX/XX/XXXX adjustments and I have hit a brick wall. While the customer service team is polite, they do not have a solution to this issue provided in their script. I have not been able to speak with a supervisor nor locate an internal customer complaint format. In my frustration over this situation, I did some research and located several message boards where numerous people had the exact same complaint. As an Internal Auditor for a financial services company, I see this as a systemic issue and I see XXXX heading for a " XXXX XXXX '' -esque compliance and regulatory nightmare. The company MUST be aware of the issue, yet has not taken the necessary steps to remediate.
Consumer complaint received 2023-01-09
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. (AL)

Upon rechecking my credit report I've noticed the same errors are still on there despite the violations I provided. This is my last time bringing this to your attention before I file for litigation. You are XXXX my reputation, and defaming my character by reporting Information that goes against my rights, and the laws of congress. You are sending pre-written generated letters that are not solving the issue, for instance, pursuant to 15 U.S.C 1681a ( 2 ), any report containing a transaction or experience is to be excluded from a consumer report. All the accounts I've shown were the case. So by now your willfully ignoring this law which is adverse to me and is grounds for actual damages. I'm demanding you remove it immediately and I will use this complaint as an exhibit if you choose to ignore or misdirect my complaint.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. Wells Fargo is furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete this account from my consumer report immediately.
Consumer complaint received 2024-05-09
Product: Credit 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 (CA)

On XX/XX/2024, I submitted online for a Capital One XXXX XXXXXXXX card due to the advertised cash bonus of {$200.00} for spending a minimum of {$500.00} in the first 90 days of card issuance. Along with this offer by Capital One was a free XXXX XXXX account on the card up to XX/XX/2024. 

I was approved instantly online. About a week later, I received the physical card in the mail. Upon setting up the card, I signed up for XXXX XXXX and have been routinely receiving the membership fee reimbursement in the form of a statement credit from Capital One XXXX XXXXXXXX. So that left the other {$200.00} cash bonus which I had spent {$500.00} within the first month, and paid it off in full. I was supposed to receive this {$200.00} cash bonus by meeting that {$500.00} threshold within the first 90 days, but when I called into XXXX to inquire why I did not receive the {$200.00} cash bonus they said that I didn't " qualify ''. I then had asked to speak to a supervisor. Then the phone customer service rep told me the supervisor or higher-up would contact me via email in 2 weeks by XX/XX/2024 explaining why. Today, XX/XX/2024 I just received that return phone call by someone from Capital One leaving a voicemail to call the back at the general automated customer service number XXXX. I also just received an email today stating : << '' Thank you for contacting us regarding your rewards! 

We have reviewed your request to be awarded a bonus and found that your account does not qualify based on the terms of the product for which you applied. 

Remember, you still earn 1 % cash back ( more in select categories ) for every dollar you spend on purchases! " XXXX I am certain and sure I had signed up for the {$200.00} cash bonus offer through XXXX. See here : XXXX XXXX XXXX I also XXXX the XXXX XXXXXXXX offer and everywhere it states there is a {$200.00} cash bonus for spending {$500.00} in the first 90 days. It is universally everywhere. So for Capital One to renege on what is false promotion if they don't honor the advertised {$200.00} cash bonus is just plain deceptive and wrong. 

Please assist me on this matter in getting this right and holding Capital One to their honor and advertised words. 

Thank You, XXXX XXXX
Consumer complaint received 2022-09-09
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX Balance : {$82.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00},, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00}
Consumer complaint received 2017-11-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (TX)

I received a phone call from Alltran Financial alleging I owe them an auto debt. I do not know who this company is, I 've never heard of them and have done no business with them. I 've also received no information in the mail regarding this alleged debt.
Consumer complaint received 2022-09-09
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX Balance : {$82.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00},, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00}
Consumer complaint received 2017-11-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a CFPB complaint with Trans Union on XX/XX/XXXX regarding credit reporting issues related to XXXX XXXX XXXX XXXX under # complaint XXXX. They answered and closed the complaint on XX/XX/XXXX. 
Today XX/XX/XXXX I ordered and received a new copy of my current credit report. Trans Union is now reporting an open auto loan with XXXX XXXX XXXX XXXX as well as a missed payment. This account was already closed and charged off as indicated in the attached report from XX/XX/XXXX. It has decreased my credit score and is now showing I owe money on an open loan that is actually closed and charged off. This is in violation of FCRA. I have attached copies of XXXX XXXX recent letter and images of how Trans Union was reporting in XX/XX/XXXX and XX/XX/XXXX. It is against FCRA to report a missed payment and revolving credit on a closed and charged off account. They will continue to report this every month until they fix it. During that time it will decrease my score every month. I am requesting they fix this as the loan is closed and charged off.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Once again they have refused to investigate an error claiming they have already investigated it.. They provided me with a copy of my credit report including all prior investigations. The report they generated clearly shows there have been no prior investigations into any discrepancies.t. Any attempt at filing a dispute will result in an error stating no relevant information provided. I have screenshots of everything. They need to have charges brought against them for again refusing to investigate this entry on my credit report. The first screenshot shows all disputes filed. There are none listed. The second clearly shows what happens when any attempt at filing a dispute occurs. A third is posted to show that the item in question has not been reported to Experian by the creditor in almost 2 years. I have provided them with proof that the account was paid off.They refuse to allow you to file and do nothing but give you errors. Phone calls to them get refused. Both my XXXX and XXXX reports are over XXXX points higher than Experian because of the errors they refuse to investigate. This has now been filed with you XXXX prior times. You have done nothing to hold them accountable for willfully violating federal laws.
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2021 While searching online to buy a new XXXX puppy I came across XXXX XXXX XXXX and contacted them hoping to purchase a dog. 

On XX/XX/2021 I made initial contact with the seller and began the process of buying the dog. The seller continuously changed the terms of the sale to complicate the process while requesting even larger payments of additional funds to cover previously nonmentioned costs. These include refundable deposits as well as soliciting a " refundable insurance policy ''. After payment was made I then asked for the money back due to even further requests for more fees and then became aware of the scam as the seller was nowhere to be found. I then reached out to the shipping company where it became apparent that it was also a component of the scam as they then requested an additional {$1900.00}. The three individual payments made were : {$1.00}, {$540.00}, and {$1400.00}. Payments were made to the seller via Zelle integrated into the XXXXXXXX XXXX XXXXXXXX. After contacting XXXX on XX/XX/2021 looking for assistance and potential recourse they stated they had little to do with the matter and that the concern should be taken up with Zelle individually. Zelle will not provide any aid or recourse. 

While collecting documentation for this complaint I was able to identify web host and payments processing services used by the scammers. Supporting documentation attached.
Consumer complaint received 2017-11-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

Hello on 4 different occasions I sent a debt validation letter requesting alleged account and balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.The most recent request that I sent for validation was om XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time I received an updated credit report stating the item was verified however there was no proof of validation
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have an Inquire from XXXX XXXX on XX/XX/2017 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
The inaccuracy has had negative effects on my score and consequently on my relationship with creditors. I am requesting that the item be removed.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Bayview Loan Servicing reported inaccurately the payments made. The payments were done within the due date and they reported as no payment
Consumer complaint received 2017-11-15
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. (CA)

there is a company saying i owe for medical bills. the information equifax gives as the phone number and address and both closed. i have sent certified mail and tried to show proof of this but getting no where. also to try to log on now the give me a questionnaire of things i have never had such as student loan and car loans in a period of time i had tax liens and never applied for any credit. so their information is also false and when answer none to the questions i wont let me access anymore.
Consumer complaint received 2017-11-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage is a FHA loan serviced by Wells Fargo. I have had my loan since XX/XX/XXXX. My mortgage payment has always been {$970.00} In XX/XX/XXXX, Wells Fargo notified me by mail that my account had a negative escrow amount due to increased property taxes. They decided to raise my payment to {$1300.00} per month. This is an increase of {$410.00} per month. I am on a fixed income and live a simple life. I called them and explained to them there was no way I could afford this increase. They said to try to make the payment. 

I started looking at refinance options with other lenders. The month of XX/XX/XXXX, XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX.  I continued to make my regular mortgage payment of {$970.00}. In XX/XX/XXXX. I paid a little more as I had a bit extra. My payment for that month was {$1000.00}. I was able to obtain a refinance approval with a Lender. We were ready to draw loan documents. The Lender pulled a back up credit for the Wells Fargo mortgage. They informed me that Wells Fargo was reporting me being 30 days late on my mortgage. I showed the bank all my receipts. I went to the XXXX branch today and stated my case. I spoke to a supervisor in the Loan Servicing Department. 

They informed me that they did receive my payments, ( which were made in the branch ). However, they did not apply them to the principal and interest They were placed in " unapplied funds '' account. This allows them to take my payment and apply it to the negative escrow. I informed them that was not disclosed to me at the time I made my payment nor did I agree to this. The Supervisor, said to fax a letter and they would investigate. 

In the mean time, I am unable to proceed with my new approved loan as Wells Fargo is showing me 30 days late in XXXX. I am enclosing all the documentation I have. All I ask is that Wells Fargo apply my payments to the my loan balance and not report me late. 

I became aware that the property taxes went up due to a HERO loan I took out for Solar Panels. This loan is tied to the property taxes. They file an addendum to my tax bill. This cause my property taxes to go up. This new refinance will pay off the HERO loan and save me over {$500.00} a month. I am XXXX years old. Have a humble life with a small house in XXXX County. Wells Fargo is not acting out on the customers best interest. They will be paid off including the negative escrow balance. I ask that they retract the late payment and apply all my payments to my loan. Lack of disclosure, poor management of applied payments and incorrect negative credit reporting have all caused a financial hardship.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Have received numerous calls from XXXX. The caller leaves a message representing themselves as Bank of America collections department and requesting that I return the call. I have returned the call and when I do the automated voice asks for an account number or social security number to verify whom they will be talking to. Since I have no Idea why they are calling since I have no delinquent debts, I certainly do n't know of an account number to give. AND I certainly will NOT give my social security number to someone " claiming '' to be from Bank of America. The call back number the party gives is XXXX. I believe this is a scam because I have called Bank of America and asked the operator if she heard of this XXXX number and her reply was no. then I asked if there was any problem will any of my accounts. The reply was NO problem. 

Thanks for a reply of an explanation.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

So, I am one of the millions affected by the Equifax credit reporting breach that occurred in XX/XX/XXXX and XX/XX/XXXX. I tried to start a Credit Freeze with all three credit reporting agencies and found that since XXXX and XXXX did not have a breach I need to pay {$10.00} to each for a Credit Freeze. I believe this should be free to consumers where a company is making money on our data when one of the three in the monopolistic industry has a breach. The alternative is to have the company experiencing the breach to pay for all of the freezes, the latter alternative is my suggestion. 

Once I was able to enact a Credit Report Freeze on Equifax, it has taken me from XX/XX/XXXX, to XX/XX/XXXX to put a temporary lift on that freeze using the Equifax  website. There are no CUSTOMER SERVICE NUMBERS clearly visible, I have tried every number on their site to speak to a representative. It is impossible to do business with this company when they maintain all of my information.
Consumer complaint received 2017-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: STATE EMPLOYEES CREDIT UNION (NC)

Basically I applied for a refinance auto loan, was told one thing by a bank official who later on withdrew her promise of approving the loan. This took place XX/XX/XXXX and ended today XX/XX/XXXX
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wanted to proactively reach out and report one transaction as fraud My team and I reviewing transactions and notified a transaction from XX/XX/XXXX or XX/XX/XXXX The transaction was from XXXX for {$1200.00} I filed a police report for this transaction and just wanted to ensure it gets the right resolution and credit applied Thank you