davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
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. (CA)

I have asked both Experian and XXXX the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection Act.
Consumer complaint received 2022-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PACE Funding Group, LLC (FL)

We install solar panels in our home, and they were to be completely install so when the company call, I said work was finished, but 2 months later when light went off, we realized then the job was not complete, batteries were not properly hooked up. I call the financial institution to let them know but they didn't help us with the contractor, it was a scam, still to this day work has not been complete and the contractor got paid in full.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

YOU HAVE RANKED ME WITH A XXXX XXXX SCORE, BECAUSE I HAVE NO MORTGAGE OR CAR LOAN INFORMATION. THE FACT IS... I DO NOT HAVE ANY OUTSTANDING MORTGAGES OR AUTO LOANS. I OWE NOTHING ON MY HOME, NOR ON MY VEHICLES. MY CREDIT REPORTS WITH OTHER AGENCIES ARE ABOVE XXXX. PLEASE HAVE A LIVE HUMAN BEING REVIEW MY INFORMATION AND MAKE THE APPROPRIATE CORRECTIONS. THANK YOU IN ADVANCE, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

Ideal collection Service & Recovery XXXX XXXX XXXX, XXXX, FL XXXX Phone number : ( XXXX ) XXXX Amount : {$3100.00} This company is in direct violation of the Fair credit reporting act. I have no contract with this company allowing them to report on my credit report and am REQUESTING THE ACCOUNT BE REMOVED IMMEDIATELY. 

They are in violation of section 604 and section 609 of the Fair Credit Reporting act. I send documents asking for permissible purpose with IDEAL COLLECTION SERVICE AND RECOVERY to which they were not able to provide. I also called and spoke to an associate on XX/XX/XXXX who was unable to provide any proof to me and disconnecting the call. She was unable to answer when I asked " if I have a contract with ICSR ''
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/XXXX, I applied online for a Capital One QuickSilver Credit Card. Being an existing Capital One Bank customer, I was approved within minutes.

I received the card on XX/XX/2019, and began using it almost immediately.

On XX/XX/XXXX - less than one week after I received the card - I received a call from XXXX XXXX at the Capital One Fraud Department, informing me that my account is being frozen until the company can review my tax transcripts. In order for this to happen, she informed me, it would be necessary for me to fill out a copy of IRS form 4506-T,  which she would send me via email.

Within minutes of our conversation, I received an email from Ms XXXX with a link attached for a XXXX  version of that form.

I was, unfortunately, impossible for me to fill out the form that I was sent. My wife and I file taxes jointly, with her name appearing first. In that situation, the IRS requires that my wife 's name be written on line 1a, and mine on line 2a of the form. In the XXXX  version of the form that I was sent, line 2a was blocked out, and could not be filled.

I immediately called Capital One to request a new copy of the form. My request was not honored.

Since then, I have called the Capital One Fraud Department at their published phone number no less than 6 times - twice on XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX, and twice on XX/XX/XXXX. I have spoken with 6 representatives, including two managers, XXXX   and XXXX. I have spent close to 3 hours on the phone with their agents. On each occasion, I was told that my issue can only be resolved by the case owner - that is, Ms XXXX. Only she has the power to send me a new copy of that form.

Each time, the representatives I spoke with promised to forward my request to her, but I have since received no response.

On XX/XX/XXXX, I was promised that I would receive a new form via email by the close of that business day, but that email never materialized.

I made several requests to speak with the case owner directly, but was first told she was unavailable, and later told that she does not ever accept phone calls.

I have also made several attempts to contact Ms XXXX directly by email, and have received no response from her.

All I need is for Capital One to resend me IRS form 4506-T for joint filers. I believe my request is quite simple and straightforward, and do not understand why they can not send me said form. Why is this a weeks-long process involving hours of my time spent on the phone?

If you could arrange for Capital One to deal with this issue and send me the form in an expedited fashion, so that I can get my account unfrozen ( defrosted? ), it would be greatly appreciated.
Consumer complaint received 2022-01-08
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. (FL)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Deposited a non insignificant amount of digital currency into the site, Coinbase.com. The transfer was from a trading account on a separate and unrelated site, XXXX. Coinbase received the transfer of bitcoins. I decided a few days later I no longer wanted to liquidate my position on coinbase so I attempted to transfer the coins back into a wallet I control ( as in owning the private keys and not on an exchange ). However, coinbase would not let me withdraw my coins and demanded further identification. Identification that I had on file should have been good enough since I had bought coins on coinbase before even back in XXXX. I attempted to submit identification anyway though coinbase and even though I followed the instructions carefully, it would reject my ID without given a reason code. After calling a customer support to help me withdraw my coins, he told me that I would have to submit even more documentation and that it would take 3-5 days. I asked him how could this happen and he abrubptly hung up the phone. His name was XXXX, and had me on hold for over 90 minutes at one point as well. Very unprofessional and at this current time, the situation is tantamount to theft. I leave my position open on bitcoins and I am supposed to wait 3 - 5 days AFTER submitting MORE documentation without even having purchased those coins on coinbase in the first place. It 's ridiculously negligent.
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (TN)

I work for XXXX XXXX XXXX , XXXX. They have missed the last FOUR pay roll dates with the TN branch. As a result, I went to Regions bank to close my account today to avoid nsf fees from auto drafts. They told me that they can't close my account because it needs to be inactive for 30 days FOR THE CREDITORS ( not the consumer! ) She said, " if I close your account and someone ACH debits an auto draft from your closed account, it will force the account back open and you will still owe the bill plus the NSF fees on the closed account. Meaning, it won't really stay closed. '' That is complete XXXX  XXXX. Now, I am going to cave and maybe file another bankruptcy if the ceiling falls in on me for the NSF fees from all my bounced debits in an account regions refuses to close bc they favor the creditors not the consumer. Please help CFPB to change banking laws/rules such as this one!!!! I don't know why XXXX XXXX of XXXX XXXX XXXX  can not make pay roll on time ; but, Regions shouldn't allow me to be financially devastated any further due to XXXX 's short falls. This isn't right. It's bad enough I'm eating sandwiches and 2 weeks away from eviction ; now my own bank is against me, too. This is overwhelming
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

On XX/XX/2019 I feel behind on my mortgage because I was forced into early retirement and am know only rely on my Social Security income. My mortgage is at a 10.5 % interest rate and i'm not able to afford my mortgage payment with just my Social Security income. I tried to be reviewed for workout assistance with my lender and have been denied because my investor does not participate for workout assistance. To make matters worst I relied on getting some type of assistance that I feel more behind that I got a sale date and had to file bankruptcy and I am now in bankruptcy making my trial plan payments. But still not able to afford my current mortgage. I feel that I am the perfect candidate for workout assistance. I have never been approved for anything and now need it more then ever.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I called in end of XXXX beginning of XXXX to apply for the Coronavirus help with the credit card and Capital one never had set it up and kept Charing me fees and late fees. The representative cant find anything on the program. This is such an inconvenience and I have got hit on my credit with late negatives. I never ever have late negative reporting.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

We have Wells Fargo mortgage and the insurance company. After deciding to switch homeowner insurance companies. Wells Fargo suggested we use their company. We found out they do n't have an insurance company, and instead uses XXXX 's. We were paying the insurance company directly, then wanted to see how it work if Wells Fargo paid through an escrow. When we tried to close the escrow account, Wells Fargo claimed we agreed to pay escrow for the " life of the loan '' which is neither a legal requirement nor a contractual one. They sent a copy of the papers which do not confirm their statement. In fact, our mortgage agreement states " XXXX '' is due for escrow. The mortgage was created in XX/XX/XXXX, and the escrow account in XX/XX/XXXX. Attached is the monthly payment agreement page from our contract. 

Your agency is not looking at the papers, and Wells Fargo is aware that you are not reviewing them. Wells Fargo is engaging in fraud by submitting false documents under of the pretense of compliance. We have no contractual obligation to keep an escrow account especially since they are holding three times the legal limit RESPA sets. 

PLEASE CONDUCT AN INVESTIGATION.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I review my credit report on the XX/XX/2021 from XXXX and TransUnion. Upon reviewing My credit report, I found some inaccurate information. First error I observe that the addresses they have on file was not mine. Second, I seen some accounts that was inaccurate, labeled as a charge off with a incorrect balances. I wrote to XXXX and TransUnion demanding that they verify and validate these accounts and send me copies of validation. ( They didn't ) They ignored my request and updated more inaccurate information.
Consumer complaint received 2019-08-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

They are not reporting my monthly mortgage payments. The last reporting was in XX/XX/XXXX when they should have reported in XX/XX/XXXX also. They also neglected to report my payments from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX this is causing me financial harm as I cant go forward with a refinance which I have a court order for it to be completed before XX/XX/XXXX.
Consumer complaint received 2021-05-05
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. (NC)

I disputed an inaccurate account with all three credit bureaus ( Equifax, XXXX, and XXXX  ) and none of them took into consideration the proof that I sent in along with the dispute. XXXX XXXX XXXX XXXX is inaccurately reporting an account with different last payment dates and payment history to all three bureaus. Even during the process of disputing XXXX XXXX XXXX XXXX continued to change the payment history on all three bureaus, yet still none match up with accurate and CONSISTENT information. It is by law that any information reporting to any Credit Bureau is accurate and consistent. None of these Credit Bureaus properly investigated this claim and I would like this account deleted as soon as possible as they are consistently changing information and damaging my credit.
Consumer complaint received 2017-12-21
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. (NY)

I Requested the from the credit bureau transunion on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file # XXXX and Acct # XXXX. 

The first time i contacted them was on XXXX XXXX XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute. 

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX  or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was varied as accurate as an update without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.
Consumer complaint received 2022-04-27
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)

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report
Consumer complaint received 2021-07-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc. (AL)

on XX/XX/2021, i sent letters to DESIGNED RECIEVABLE SOLUTIONS, INC about some alleged debts of {>= $1,000,000}, and XXXX that i don't owe nor have dealt with them. They are reporting these inaccurate tradelines on my report that is incorrect and damaging me from getting things. I am asking for assistance in this matter for them to send me the proper documentation that i requested on XX/XX/2021.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Disputed erroneous incorrect bankruptcy reporting on my Experian report. Experian stated they got the information from the courts or XXXX Risk Management. I have a letter from the court stating that is not true. I also have proof where my consumer XXXX file has been suppressed since 2019 ref # XXXX ref # XXXX. It is clear they do not ( the courts ) report to any credit bureau for that matter ; therefore the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. Report # XXXX.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OR)

On XX/XX/19 I called synchrony bank to pay off my credit card in full and close it out. I was trying to pay off the amount of XXXX. But the woman I was talking to some how entered the amount of {$550.00}. I did not authorize the payment and they processed it. I was then told because I did authorize the XXXX payment that I did authorize the {$550.00} payment and there is nothing I can do they cant change it and I cant pay another payment until the next business day. I was on the phone 40mins trying to figure out how they where going to fix there mistake and they basically said there is nothing they can do to fix the problem. 
I went straight to my bank and had the {$550.00} payment flagged and now get to wait 10 days u till I can go back to my bank and schedule another payment because this company made a mistake. 
I do plain on paying this card off in full I have already closed the account with them and I just want it known that they did process a payment that I did in no way authorize. 

My name is XXXX XXXX I can be reached at XXXX or XXXX Thank you for your time. My main concern is what if she hit XXXX would I just have to deal with that too?
Consumer complaint received 2020-07-06
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: Experian Information Solutions Inc. (VA)

I AM A VICTIM OF IDENTITY THEFT. I HAVE FRAUD ACOUNTS, ADDRESSES AND INQUIRIES. PLEASE REMOVE THESE ITEMS ASAP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I find the Experian is very uncooperative with regards to security freezes. I am trying to temporarily lift my security freeze but their website will not allow me to do this online despite my verification of my personal information including the fact that I am providing the PIN they gave me when I signed up for the freeze. I was able to lift my freeze last XXXX but for some reason their website will no longer allow this. 

I see no reason why Experian will not allow me to temporarily lift my freeze online when I am able to verify all of my information. The telephone number they provide for support simply gives instructs to mail a letter which is not acceptable. 

Because they are holding my credit XXXX I am loosing out on my ability to refinance my mortgage at a lower interest rate.