davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

I filed a Qualified Written Request/Notice of Error on XXXX/XXXX/15 and received a written acknowledgement of my QWR dated XXXX/XXXX/15 from my mortgage servicer. As of today, i have received no further communication from my servicer and my dispute has not been resolved.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX we signed up for XXXX using one of the consulting firms who set up the account. As a result at no point, anyone offered us any kind of terms of conditions, or policies. After unsuccessfully trying to implement their product, it never worked right, so we decided to cancel the subscription. It took me several days to research how to cancel it since XXXX  makes it very hard to cancel. 

Finally, on or around XX/XX/2021 I was able to submit a cancelation request. But XXXX employee told me that according to their policy the cancelation request should be made 10 days before the renewal date. 

The problem was - no one told me about the existence of such a policy, which I mentioned to the XXXX employee. She ignored and responded with the same answer. 

On XX/XX/2021 Keap/InfusionSoft charged {$210.00} on my card again. I filed a chargeback request with Capital One - case number XXXX. Capital One requested documentation and the merchant provided a printout of what I think is one of the many pages on their website that mentioned 10 days cancelation requirement. That document the merchant provided did not have my signature or any indication that I was made aware such a document exists. 

On XX/XX/2021 I received a letter from Capital One saying that the merchant provided satisfactory proof and asked me to send them the policy I received when subscribing to the service, in case my copy does not have 10 days requirement. On XX/XX/2021 I responded to them that I never received such a policy in the first place, yet Capital One denied the chargeback. I reached out to several people in Capital One and each of them said " I personally understand you very well, and this is wrong, but we need a policy you received ... '' despite me telling them I never received one in the first place.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I have a collection item reported in my Equifax credit report. I tried to file online dispute but their website does n't work. You can fill out all info for an item in collection but can not submit the dispute. I have tried it for XXXX and finally called them. They advised me that I will have to use the online form to file a dispute. 

With non-functional dispute website and not responding on phone, I am left with no option but to file a complaint.
Consumer complaint received 2016-02-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

Upon reviewing my credit report I noticed that American Medical Collections was reporting an account. I called them and I instructed them that I have no idea what this account was about. I advised them that I have full medical coverage and that I have no outstanding medical bills. I explained to them that I was willing to pay the amount of {$120.00} but I needed for them to remove this information from my credit report as the account was not mine. I offered to pay the account as my job is extremely sensitive to my credit report. I was instructed that they will not remove the information because I verified my address. I explained that I never received any notice or mail concerning this account. But they continue to insist that they will not remove this account even if it was an error.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (PA)

Equifax, XXXX and XXXX Credit bureaus are reporting false information in my credit file. More specifically several false inquiries. I have filed a report with the FTC and attached a copy hereto.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CA)

I went online XXXX, to get a payoff amount for the car. 
After getting the amount, {$13000.00}, Wells Fargo erroneously changed the loan to paid off. There was not enough money in my account for that amount. The account shows it posted the entire payoff. The balance is XXXX. 
Theyre unable to reverse the transaction at this time. I am unable to sell the vehicle due to this error. 
They stated, after numerous phone calls, it may reverse in XXXX days or I may have to refinance the loan. There have been no clear answers. 
I have only 7 days to sell the car at the offer that was promised. The cost will continue to decrease daily which means I loose more money.
Consumer complaint received 2021-11-29
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-20
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)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WS XXXX XXXX XXXX, XXXX XXXX SOC SEC  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
Consumer complaint received 2022-01-20
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. (VA)

Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to XXXX which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 

XXXX. Addresses : XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. Phone number : 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 XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (CA)

I got contacted by mail XX/XX/2021 by XXXX XXXX XXXX that they were hired to get a default judgement against me because i owe an alledged debt to a company called synchrony or Paypal I'm confused at this point. so I did a debt validation letter both in my hand writing and a typed letter to get clarification from XXXX XXXX XXXX. I sent it on XX/XX/2021 via USPS certified mail with tracking. On XX/XX/XXXX i got a letter in the with NO copy of any type of signed contractual agreement terms and conditions Nothing, instead there was a weird copy of a billing statement that has an address to pay paypal. Again NO Signed agreement.
Consumer complaint received 2015-05-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Dynamic Recovery Solutions, LLC (NV)

1-On XX/XX/XXXX, I received a debt collection claim from Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX requesting the payment of {$1100.00} in behalf of account number ending in XXXX. 

2-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. 

3-Although Dynamic was supposed to reply, I never receive a reply to my letter of XXXX/XXXX/2013. 

4-On XX/XX/XXXX Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX sent me a new letter requesting me to pay {$670.00} in behalf of the same account ending in XXXX. 

5-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. 

6-Although Dynamic is supposed to reply, I have not received a reply to my letter of XX/XX/XXXX.
Consumer complaint received 2023-08-09
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. (SC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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: Bread Financial Holdings, Inc. (CA)

The following accounts are NOT mine. There must be a social security number mix up or a name alias issue. I have never applied nor authorize anyone to open the following accounts. Please delete from my credit asap! I have attached a screenshot of the two accounts. 

- ComenityBank/XXXX - COMENITYBANK/VICTORIASECRET
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I receive my unemployment benefits thru Bank of America. In XX/XX/XXXX, my unemployment card was used inside a gas station where it was skimmed. Over the course of the next few days, the thieves actually withdrew money from my account totaling {$1800.00} from ATMs hours away from the city where I reside. When the missing money was brought to my attention the day they took the final amount of money ( I had low balance alert ) I contacted Bank of America and the police to report the crime and to get a police report. All of that information was relayed to Bank of America and while the investigation was being conducted they credited my account back the money. The investigation resulted in them permanently crediting my account XXXX letter sent by BoA stating this ) for the total amount of XXXX. 
Months later, with no warning, the money was withdrawn out of my account again. A new investigation was launched and finally after nearly a year I received a letter on XX/XX/XXXX saying that the investigation was complete and they HAD credited my account. Of course, no credit to my account was ever made. 
I have made nearly 5 calls to the unhelpful customer service agents and each time I was told that an escalation had been filed and there was nothing more I could do. And today, I spoke to a supervisor that was SO RUDE, yelled at me and then hung up in my face. 
I feel I am being discriminated against because this is a California Unemployment account and at this point it feels like I am being targeted, played with and disrespected by a billion dollar corporation during a pandemic. 
This bank has HORRIFIC business practices and horrible customer service. No one has really helped me although they have pretended to by filing these escalations that obviously escalate nowhere. The ride supervisor who hung up in my face as I was requesting her name, told me to call back in 5 days if the money wasnt in my account. Im sure it wont be. I have been victimized twice. Once by the criminals who stole my money out of the bank and now continuously by the actual Bank.
Consumer complaint received 2022-01-19
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. (AL)

I have written letters as well as sent copies of report to bureaus with police report and explaining my finding out there were issues on my credit because of identity theft. The bureau have NOT furnished Any proof of verifiable evidence that these accounts/inquiries/info is mine via signatures, contracts or a person named that can testify in court that the person authorizing these items was me. The consumer credit laws states that due to lack of these verifications- Information, accounts, inquiries and/or records MUST be deleted from my report immediately! I am a doctor trying to improve the health and welfare of our country by partnering with the government via contractual plans and this lack of cooperation is delaying our goals.
Consumer complaint received 2020-10-16
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. (PA)

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 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

SUBJECT : Capital One Master Card Account We opened an account with you 16 years ago, in XX/XX/XXXX. We did not understand how cash advances worked or how you charged a higher adjustable interest rate vs the interest on purchases. The way we now understand it is this. If we pay the minimum due, its applied to the purchases balance and nothing is applied to the cash advance balance. The cash advance balance just keeps building with an interest rate of approximately 26 %. Just call us XXXX. Just call Capital One crooks.

After many calls and discussions with many customer service reps at Capital One over the past few weeks, we finally discovered the following : Cash Advances from XXXX XXXX XXXX XXXX in XXXX, MD as follows : XX/XX/XXXX {$100.00} ; XX/XX/XXXX {$300.00} ; XX/XX/XXXX {$300.00} Please be advised that XXXX XXXX XXXX DOES NOT GIVE ANY CASH ADVANCES. THE TWO IDENITICAL AMOUNTS OF {$300.00} ON TWO DIFFERENT DAYS IS SUSPECT. IF AMOUNTS ARE CORRECT, THEY WERE FOR PURCHASES, NOT CASH ADVANCES! We have been paying CASH ADVANCE interest on {$700.00} for 12 years when they should have been PURCHASES???
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I phoned the service and the bank and have not gotten any where. The account was closed and although, I do not feel like any money was owed it was paid anyway so that they would leave me alone. 

There was fraud on the account and they still made me pay and the charges did n't have my name connected to them. So the is just in no way right at all.
Consumer complaint received 2022-10-06
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.