davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (FL)

I have filed many complaints and police reports for a Wellsfargo account that is being reported to my XXXX  and today finally I was able to actually speak to someone in the ( special services department I was informed that since my file was previously mixed with someone else that that department would now always be the only ones to take my calls she also told me that I was not able to dispute an address on my file that was clearly fraudulent and did not belong to mw because it was tied to the Wellsfargo account! she refused to dispute that address for me and she said there was nothing I can doing asked her for her supervisor which is yet to call me her nam was MsXXXX in team XXXX  she also refused to assist me with other accounts that they are reporting wrong although the creditor is verifying with them that it is wrong! XXXX XXXX they are reporting late and self lender and bother creditors say that they can. not help me because thats not what they reflect on their end so what am I supposed to do? she also explained to me that she was not accepting my police report because I called them and out to my home how else was I supposed to inform them of what the problem was the report was in person but she still refused to accept it!
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (TN)

SAGE STREAM I applied for a credit card for XXXX XXXX XXXX through XXXX XXXX on XX/XX/XXXX. 
I had a card with them for years, but canceled it in XX/XX/XXXX when XXXX and XXXX XXXX cards merged. I did not receive credit for clothes I returned, so I canceled my acct since they were having so many problems while they were merging cards. 

I applied for a new card on XX/XX/XXXX. They refused to give me one. I have EXCELLENT credit. I called XXXX and XXXX XXXX  and asked why, and they said they could not tell me. They told me to call Sage Stream. Sage Stream said they could not tell me either, but would send me a letter. 

The letter of XX/XX/XXXX said, " We are unable to approve this application at this time because the information provided by the credit reporting agency has indicated that the applicant is deceased. '' I was concerned I had fraud, so I got credit reports from XXXX, XXXX  and XXXX. Everything was correct and my FICO is still very good. 

Sage Stream said that I should contact XXXX regarding my consumer file. XXXX said that they did not see a deceased statement on my file. 

Sage Stream refuses to help correct this information, so I am placing a security freeze on my account. 

Who is Sage Stream and why are they creating so many problems for people? 

Please take action and help consumers. 

Thank you! 
XXXX XXXX.
Consumer complaint received 2018-02-25
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Radius Global Solutions LLC (FL)

I received a debt collection bill from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount fo {$2300.00}. Per the state for Florida Statute 95.11 in regards to private loan debt collection, the statute of limitations has expired for this debt s the original loan was taken out on XX/XX/XXXX. XXXX XXXX XXXX XXXX is attempting to restart the clock by intimidating and threatening me in their correspondence that they will be seeking judgement against this debt which again has past the statute of limitations for judgement collection.
Consumer complaint received 2020-10-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

My mortgage company ( The Money Source ) did not pay my  homeowners insurance to XXXX ( insurance company ). I spoke to someone in the insurance department of The Money Source who assured me the mistake was resolved. My insurance company, XXXX shows no record of ever receiving payment. 

Loan number- XXXX Homeowners policy number- XXXX
Consumer complaint received 2018-02-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 went at XXXX XXXX. XXXX XXXX Branch at Wells Fargo ; XXXX XXXX ; address XXXX XXXX XXXX, XXXX, CA XXXX. XXXX # ( XXXX ) XXXX / Fax # ( XXXX ) XXXX. I spoken to XXXX " Branch Manager " Also XXXX XXXX Bank manager. Trying cash {$20000.00} cashier check getting {$2000.00} cash rest cashier check. They refused my customer service, and wanted me open account. I declined open account n cashier check was fro Well Fargo Bank. These two have no customer service skills what so ever. should be removed from their positions, replaced with friendly customer service bank manager n branch manage immediately. I can be reached at XXXX or phone ( XXXX ) XXXX. I will not be returning sorry excuse authority bank people. 

sincerely, XXXX XXXX
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (NC)

I started an account with a company called Conns. I purchased a lease to buy couch and a stove.i had been paying for over a year and a half. The stove was payed for threw the insurance payed for in full with an additional XXXX dollars added to claim payment. The couch has been more than payed for threw the payments made. I believe the purchase was made in XX/XX/2018 starting balance XXXX The couch was XXXX. XXXX The stove was XXXX. They currently saying I owe XXXX I do not owe them any more money. I was over charged. Robbed
Consumer complaint received 2020-07-01
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. (WI)

On XX/XX/2019 an application was ran in my name at XXXX XXXX   XXXX in error, without my knowledge of consent. As a result SEVERAL authorized inquiries appeared on my credit report age Ive had XXXX getting the inquiries removed. Ive reaches out to the companies individually and Equifax to fix the issue. They give me the run around instead of really investigating the problem. XXXX XXXX   XXXX has written letters to the credit bureaus as well to have them removed. XXXX  as in XXXX XXXX XXXX XXXX is actually listed on the letter enclosed however neither XXXX  XXXX nor Equifax has complied with the request. XXXX XXXX XXXX is another inquiry from the XXXX incident but did not appear on my XXXX  report so its not listed on the XXXX  letter, however Equifax received a letter directly from XXXX with XXXX XXXX XXXX included. Ive reached out to XXXX and Equifax about this issue as well, no compliance! I have also never done business with XXXX XXXX.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (FL)

My situation may be unique. I was not harassed by the debt collector. I actually called them to discuss resolving the debt I owed. The man on the phone made an offer to settle this debt, and I asked if I would receive confirmation prior to giving him my bank information the debt will indeed be settled for this agreed upon amount He would not offer that reassurance. My concern was that I actually had some sort of agreement, not solely verbal. He said he would send it out only AFTER my bank information had been given. An email would have sufficed for me. He spoke with his supervisor who stated only AFTER would I be given a written agreement for the amount agreed. I was concerned I would have no evidence this would have been settled for the amount agreed upon and contacted further. I was not asking to have evidence of " Paid in Full ' sent prior to the funds being sent, but a written agreement, brief, and even emailed for my own assurance a settlement amount. The customer service rep I spoke with stated he gets calls from customers like me all day long ... and clearly frustrated. We all have to protect our own interest, why would this be so complicated? The man stated to call him back when I am ready to settle this debt. I was. I dont think this is an unreasonable request. Do I have any recourse? In addition, the representative stated this debt leaves his dept by Monday, so I was feeling a heavy rush. I don't know where the debt goes from there.
Consumer complaint received 2018-02-25
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. (MO)

I did not authorize XXXX XXXX Services on XXXX XXXX, 2017 to run my credit. And I constantly asked them to remove inquiry on my report to no prevail.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servatus Corporation (PA)

I have written several disputes to Credit Solutions Corp. they have never responded. this is willfully neglectful. CREDIT SOLUTIONS CORP. is a debt collector pursuant to 15 USC1692a ( 6 ) ,15 USC1681n, and 73 p.s. 2270.1 et seq. I am a consumer as that term is defined in 15 USC1692a ( 3 ), 15 USC1681, and 73 p.s. 2270.1 et seq. CREDIT SOLUTIONS CORP. is not a creditor, and I have not applied for, neither received any services or credit with their particular agency. Additionally I have noticed that agency obtained my consumer credit report. I never gave them permission to obtain my personal credit file and unless they can verify this account is valid by producing the original agreement with my signature, this account is also erroneous. Therefore their intrusion in my personal credit file while trying to collect on erroneous account constitutes a willful and negligent violation of 15 USC1681q which would also be a criminal offense ( felony ) punishable under Title 18USC, the penalty being a fine and or two years imprisonment.
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion lowered my SCORE since last month by 39 points. I have called their customer service group twice and they could not explain this action.
Consumer complaint received 2023-02-07
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: JPMORGAN CHASE & CO. (CA)

Chase was offering a deal where if I opened a credit card I would receive XXXX XXXX points after reaching a spending threshold. 

I reached that threshold months ago. When I call chase they acknowledge that I have XXXX avios points I am owed. On four separate occasions over the last few months, I have called both chase and XXXX XXXX to try and solve the problem. Chase has consistently told me that the problem is fixed and I will receive my points within XXXX, XXXX or XXXX business days ( they tell me something different each time ), they refuse to provide any written evidence saying that theyre fixing the problem, insisting they can only tell me by phone that its getting fixed. Each time, I wait for two weeks, then call again. Each time they claim essentially no knowledge of the issue/any attempt to fix it. I have escalated this as far as I can with chase. I believe they are purposefully withholding what amounts to thousands of dollars in points from me. I have been unable to use the points to buy flights I want to book for the summer and now, because of the delay, I can no longer get flights for my dates using XXXX.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (NC)

I have a hard inquiry from XXXX XXXX XXXX XXXX, I never got any financing from this company or shopped a car with them. 

In accordance with the fair credit reporting act 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.
Consumer complaint received 2021-03-01
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX Original Creditor Acct # XXXX ... XXXX Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-02-25
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: Experian Information Solutions Inc. (MO)

I have never in my life applied for, nor carried a car note. There are countless companies reporting erroneous, and damaging inquiries on my credit report without my initiation. The majority of whom have ignored the repeated requests to cease authorization attempts, remove the previous credit reporting requests and void my information from their databases. 
The credit bureaus have reported inaccurate SSN, birthdates, telephone numbers and addresses on my credit report. It stands to reason that they frequently have resulted in the inaccurate data that has been, and continues to be both tirelessly reported, and disputed.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Re : Bank of America. 
I went through financial hardship summer of 2020 I was late on payments but I never went a month without paying. BOA reached out to me and I told them what was happening that I was having financial hardship. I was told they would deferred my payments for 3 months and that I didnt have to make a payment until XX/XX/2020 I asked the representative are you sure and she said yes. Three months I saw that BOA went on my credit score I called BOA and they said that they sent out an email to me stating that I should make payment which the representative said it was the interest charge. I told her that I always get emails but I dont necessarily read them. I am now paying a high interest rate and my credit score is beyond messed up. Can someone please help me.
Consumer complaint received 2022-09-12
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. (CA)

In accordance with the fair credit reporting act XXXX  XXXX, has violated my rights. 

15 USC 1681 section 602 a state I have the right to privacy.

15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnishing account without my written in instructions 15 US C166B a creditor May not treat a payment on a credit card account under any open in consumer credit plan as late for any reason
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a ( 30 ) day late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and contacted XXXX and provided them with my updated contact information in addition to making my XXXX payment. I have never missed a payment on this account. XXXX XXXX XXXX incorrectly posted the payment and consequently this error caused a late to report. I was not aware that there was a late showing until I obtained a copy of my most recent credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.
Consumer complaint received 2018-06-20
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: TD BANK US HOLDING COMPANY (CA)

I contacted TD Bank on XX/XX/2018 to make an inquiry for account # XXXX ( TD BANK XXXX XXXX ) as it reflects on all 3 of my credit reports, I spoke with a TD Bank representative to obtain information on the account and was informed that no information was found for account. TD Bank indicated the account may have been placed with their collection department and was forwarded to " XXXX XXXX XXXX '' which also informed me that no information for account # XXXX was found. 

I mailed a letter to TD Bank on XX/XX/18 by first class mail XXXX to follow up and request that the account be removed since no information for the account was verified or provided by either TD Bank, XXXX Credit Card Services and XXXX XXXX XXXX. 

I disputed the account with all 3 credit reporting agencies on XX/XX/18 and received results from TransUnion which had failed to investigate TD Bank XXXX XXXX # XXXX and continues to report the aforementioned trade-line without 'proper verification '.
Consumer complaint received 2018-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2018 I was scammed by an XXXX  page name @ XXXX # XXXX, PayPal account was XXXX XXXX XXXX, and email address XXXX who was pretending to be a tattoo artist whos whole XXXX  page was a fraud he used images of other peoples work. He tricked me into sending him XXXX dollars for a tattoo deposit and because I sent it as ( send to a friend ) to him so he would receive his money faster I wasnt able to cancel for a refund and PayPal denied my fraud dispute. I was totally scammed
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had applied for a new credit card with the bank, and got approved, and a physical card was sent to my home address ; however, I had to go abroad, and so I could not access the physical card. I then got the bank to issue me a replacement card to be sent to a XXXX office in the city I am in. I was assured that I would be sent notification when this would happen, but I have not received any notification, and when I called to ask about the tracking number ( i.e., so that I could contact XXXX ), I was given the royal run-around. The representatives that I have spoken to are all woefully trained to deal with my case, and I have no idea what's going on. I have tried contacting the bank 's executives, but all that does is get some incompetent customer-service rep to call me, and I still get no resolution. 

I was also promised that I could set up a virtual card that would be used with a phone, but when I tried to do so, I got an error, and the " senior technical assistant '' told me that the bank would not do a work-around while its error gets fixed. 

Both of these situations are counter to the marketing that the bank says that it can do for its customers.