davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capital one has been very crooked through this whole process. 
I called to speak with a representative to discuss options to pay an alleged past due amount and she literally laughed at me over the phone and said " capital one doesn't negotiate on past dues. '' This is after a severe medical emergency forced me to lose my job which was also explained to Capital One. 

I was then told that " if I pay the debt collector even if I dispute the amount, that it will come off my credit report and not show as negative. '' I borrowed money from my mother to make this payment and even though Capital One has written of the debt and got tax benefits from this they are illegally stating on my credit report that I have a " paid charge off. '' I do not even think they legally have a claim to the debt at all since they charged this on taxes back to the US government.

They have different information listed on all three credit agencies and flat out lied to me to get me to pay this that they have already received credit for on taxes. 

I want them to provide me with dates and information regarding this alleged account as well as an explanation to how they can " double dip '' in the system and charge me as well as the goverment for this debt while lying all the way to the bank. 

They know they are a large corporation and they see themselves as untouchable and above reproach. When I call to try to speak with them they shuffle me around for an hour on the phone and then drop the call or just say they can't do anything. 

There is no consistent reporting. This is not a late account, they do NOT own this alleged debt and they are falsely reporting to all three credit agencies.
Consumer complaint received 2021-01-30
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. (PA)

Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX
Consumer complaint received 2019-06-08
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. (GA)

Unauthorized inquiries reporting on credit report : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 'XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 30
Consumer complaint received 2023-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

Freedom mortgage is the worst company. I streamlined twice in XXXX it took once from XXXX to XXXX of the next year to complete because they are so disorganized. Ony reason we did it was for them to " improve '' my rate then at XXXX and now at XXXX. They take an enormous amount of time processing payments this past XX/XX/XXXX its bounced twice because I have NSFW ( non sufficient funds withdrawal ) so no more online payments with just makes things harder. Today XX/XX/XXXX I received a letter informing me I must now order checks and submit payment to another address by mail. Like that's quicker.
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH THE FCRA XXXX ACCT INQUIRIES HAVE VIOLATED MY RIGHTS NUMBERS 1-12 15 USC 1681 SECTION 602A -I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A - STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTION 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5. TRANSUNION XXXX XXXX XXXX 6. XXXX XXXX TRANSUNION XXXX XXXX 7. US DEPT OF HOUSING XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

On Saturday XXXX XXXX, my wife and I attempted to redeem points to book a flight. The website was broken such that after we selected the flight and filled out all of our information ( passport numbers, etc. ), you could not proceed to confirm it. We tried this over multiple days on different computers, web browsers, the app, etc. No luck. 

We called on Saturday and spent approximately one hour trying to book the flight. The rep ran into the same issue, put me on hold, and then when he returned his phone wasn't working. He claimed he couldn't hear me. I called back and clearly the issue was not my phone. This new rep falsely told me the booking had gone through and gave me an itinerary number and travel ID. 

When I did not receive a confirmation email I called again on Monday XXXX XXXX. I spent almost XXXX hours on the phone with four different people. It turns out I had been given a confirmation number from a booking in 2018. By now all the flights we had tried to get were either gone or massively more expensive. It took three days and calls with 8 representatives to get a flight booked. On XX/XX/XXXX I received another call in response to my complaint and I was advised I wasn't " eligible '' for any compensatory points/ goodwill points because there hadn't been a booking.

In sum, they prevent you from using the points, then use that as an excuse to not offer anything. It should not take 6+ hours on the phone and conversations with 8 people to redeem points to book a round trip flight.

Moreover, throughout the process I was consistently lied to -- in addition to being told falsely that a booking had been made, every time I asked to escalate I was told ( incorrectly ) that the new person would have additional authority. Every single time they clearly went to the same website and read the same options to me. I was told by several individuals they did not have a supervisor, which is ludicrous on its face. Similarly, the Chase Support XXXX account also repeatedly demonstrated a cynical incompetence -- asking for the same information repeatedly despite it being in writing, telling me the card number I gave them didn't exist, fixating on looking into the 2018 booking when clearly that wasn't the issue etc. etc. 

At a minimum, customers should be warned that the rewards program with Chase is a racket designed to make the points as difficult to redeem as possible, and that the customer service representatives are a nesting doll of interlocking policies designed to waste time and deflect costs and responsibility to the customer.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX United States Trustee. Upon that discharged I demand that XXXX XXXX XXXX and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.
Consumer complaint received 2019-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These inaccurate accounts are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

XXXX website is not user friendly whatsoever. It will not let you dispute an error. 

I want XXXX and Experian to both investigate XXXX XXXX XXXX account on my credit reports. 

XXXX XXXX XXXX has reported that I am 30 days past due on my payment which is completely false. I have made all payments on time. I want XXXX to make the correction on my credit report as I am not 30 days past due. I have proof from XXXX XXXX XXXX account website that I have made all payments and I am not 30 days past due.
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (WV)

THE RECEIVABLE MANAGEMENT SERVICE has placed a debt on my credit report for {$230.00}. Per the WV XXXX XXXX XXXX, they are not licensed to collect debt in my state. They have ignored all of my attempts to rectify the situation.
Consumer complaint received 2023-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I am trying to contact Wells Fargo as I had an account with them from XXXX and I am eligible for the settlement payment that they are providing to all customers during that time. However I am currently out of the country and no longer have a wells fargo account, so I would like to receive my settlement payment. I am not sure how to receive it, and I have already called and contacted the branch in the US on Sunday XX/XX/2023 via phone call and was told that I need to go in person. However, this is not possible and has created a problem for me.
Consumer complaint received 2021-11-10
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. (FL)

I the consumer and original creditor XXXX XXXX sent letter to credit reporting agency in regards to not having any written consent to report anything on my consumer report. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

No consent is Identity Theft. I demand that these account and inquiries be deleted from my consumer report immediately. 
Account Account Number US Dept ED XXXX XXXX XXXX XXXX Inquiry Inquiry Date XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX Vs. United States Trustee. Upon that discharged I demand that Select Portfolio Service and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2022-04-01
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one froze my account say there is a fraud investigation against me.i contacted the sba and they said that my account is in good standings that they don't have any idea why capital one would be doing this. I've called serval times to be directed to a voice mail service. They have every XXXX I have froze up and will not release it.
Consumer complaint received 2019-06-08
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: EQUIFAX, INC. (GA)

Suspicious activities on my XXXX XXXX XXXX report has led me to believe that someone is utilizing my personal data to open accounts with credit card companies. I would like to file a complaint to have these accounts removed from my credit report. I have included an attachment of all the accounts and new inquiries that do not belong to me.
Consumer complaint received 2021-11-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have lived at this address since XX/XX/XXXX, and I have a copy of my lease agreement, which says the same. 
The Company is XXXX XXXX XXXX, the amount is {$1900.00}, the date is : XX/XX/XXXX. The current collector is : Procollect , Inc @ XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX. The person I spoke to @ Procollect was uncooperative and hung up the phone as I was attempting to clear the matter. Since, I have returned their letters writing on the letters : that XXXX XXXX does not live at my address, and that I have lived at this address since XXXX.
Consumer complaint received 2019-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (PA)

XXXX XXXX XXXX Account # : XXXX  XXXX XXXX XXXX XXXX   XXXX , MN XXXX ( XXXX XXXX XXXX FIDELITY CREDITORS SVC Account # : XXXX  XXXX XXXX XXXX  XXXX XXXX , CA XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # : XXXX  XXXX XXXX  XXXX XXXX XXXX, CA XXXX These accounts have been on my credit and I have received no bill or verification that this debt belongs to me and I have not idea how to verify that I pay. I have received no proof of this after asking for it from the debt collector. If this debt belongs to me I have no problem paying however I can not pay for something that I can not verify that belongs to me. This derogatory negative account on my credit is keeping me from starting my life over as you can see I have not used credit and have been responsible with all of my other accounts and closed them because I didnt want to live outside of my means. For the past several years I have been saving up and educating myself on credit and now is the time I am using my credit to reinvest back into my business to support my family. I can not have these types of accounts on my credit report.
Consumer complaint received 2019-06-08
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: EQUIFAX, INC. (PA)

I requested my free annual credit report from all 3 agencies on the same date XX/XX/2019. XXXX and XXXX provided me copies of my report but not Equifax. This issue happened last year as well with Equifax. Equifax never responded to my queries or provided a free copy of my annual credit report until I filed a complaint with the consumer protection agency.
Consumer complaint received 2019-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (PA)

on saturday XX/XX/XXXX at XXXX i received a call from XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX claiming that i owed a debt i informed them that i do not agree to being recorded and that i never will. several times this was told to them. i also requested a validation letter. after which i was placed on hold a person claiming to be a supervisor got on the line and tried the same lie with the recording. again i asked for a letter of validation. i was then hung up on
Consumer complaint received 2017-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Refuses to provide access as client to mortgage and escrow information regarding my mortgage which was recently transferred from XXXX XXXX to XXXX. I asked for Escrow and Legal Department to contact me with correct tax and escrow figures and every customer service representative refused to arrange.a call. My letter informing me of transfer of my mortgage loan specifically states that my mortgage will not change and XXXX is changing payment amount and date of payment.
Consumer complaint received 2021-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: InterLinc Mortgage Services, LLC (TX)

Interlinc has violated the Real Estate Settlement Procedures Act. We submitted on XX/XX/XXXX our property tax exemption letter issued from the XXXX Central Appraisal District. They continued to withhold funds in our escrow account that far exceeded their own company policy that states " If your escrow account is more than {$50.00}, it will be refunded. We have asked for more than four months for them to refund the escrow and adjust the account collection properly. 

I worked at the XXXX  and their incompetence is not allowing us to file our taxes in a timely manner. Interlinc Mortgage has exceeded the 60 Business days to correct my written inquires to them. 

They will state XX/XX/XXXX Total Amount Paid from Escrow : {$5300.00}. I inquire about the check and their email response today is " Regarding your escrow refund check, the check has not been mailed as of the date of this message. '' I am not ok with this answer. My initial written inquire was for them to correct it back on XX/XX/XXXX. 

They are violating the law, they are not entitled to tell me. " Please allow 5-10 business days for USPS delivery after the check has been mailed. '' It's past the 60 working/ Business days for them to fix the issue. We won't allow our money to sit on a desk in their office for them to mail when they get around to it. 

I worked at the XXXX and understand my Civil Rights very clear and my wife is a XXXX XXXX. Interlinc needs to do their job and follow the Federal Laws or I will take them to court. 

They kept withholding property tax when were exempt for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are continuous illegal acts and its been brought to their attention multiple times on the phone to their call center and more importantly in writing. If it's not in writing then it didn't happen.
Consumer complaint received 2019-06-08
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. (VA)

today is XX/XX/2019 i look at my equifax credit report and i have over XXXX hard inquiries that i did not do or give anybody the ok to do i tried to call equifax atleast 10 times to get this fix i even put fraud alerts on my account so i DEMAND equifax to fix this matter asap its the law for someone to run my credit with out me knowing here are the inquiries ... XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX-Mt ... XXXX XXXX XXXX   XXXX XXXX XXXX ... XXXX XXXX this just a few of them its like 50 of those on my report that i did not run myself i want this matter fix asap or else i would have to file a LAW suite on equifax
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I purchased the vehicle in XX/XX/2021 and have not received my tag as of this date..I have had constant contact with the company who told me not to pay the payment, as they themselves did not have the title to the vehicle. I still continued to contact this company, to no avail. Now in XXXX, I start getting collection calls after I was told not to pay and my constant phone calls telling them I need my tag. I get pulled over every time I drive just about. Someone was supposed to call and I still get collection calls but no-one calls about the tag. This company received the tag in XXXX amd that us when these collection calls began. Now they try to tell me that I know I owe money, that I should just pay the payment and go get a new tag. This upsets me completely, as I did not pay because I was informed not to. I also checked my online account, in which never had a payment due. I informed them that they need to correct their error, reporting to the credit bureau that I am late, send me my tags that I paid for and We will get the car taken care of. I just want out of this situation as it is causing more stress than I care to deal with. I can't trade the car because of them reporting to the credit bureau, I ca n't drive the car because of them but I can't get anywhere. I just keep getting collection calls with no resolve. Please help