davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
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: CITIBANK, N.A. (WA)

On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I wrote to Equifax last month because they were not reporting several of my open accounts on that report and it was causing my score to be very low with Equifax at XXXX and my XXXX score is XXXX due to them reporting all of my accounts. After sending that letter the creditors ended up closing XXXX of my accounts causing my scores to further drop and not adding any of the accounts I asked them to add to my report. This is really affecting my credit tremendously and I am in the middle of buying a home and this is stopping that from happening. I am not sure why they did this to my credit my letters explains that I just wanted these accounts added to my credit not closed. Please help. Below is a list of the accounts not reporting on my EQ report Open CCs : XXXX XXXX  ( ) ( $ XXXX {$25000.00} XXXX XXXX ( ) ( $ XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX {$1000.00} TXXXX XXXX  ( XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  ( $ XXXX ) XXXX XXXX ( ) ( $ XXXX {$5000.00} XXXX XXXX XXXX XXXXXXXX ( ) ( $ XXXX XXXX  ( ) ( XXXX XXXX/1000 XXXX XXXXXXXX XXXX  XXXX ( ) ( $ XXXX ) Other Open Accts XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-10
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 (TX)

To whom it may concern : I am writing to dispute this item still on my credit report in which I sent correspondence via email. I defaulted on a Capital One credit card due to medical expenses and being laid off of my job back in XXXX for health reasons. I was offered a chance to repay the balance owed on the credit card, and since my health has improved and I got a better paying job, I entered into the repayment plan. I opted for the 3 month plan in which I would divide the settlement amount of {$340.00}. I paid {$110.00} on XXXX XXXX and XX/XX/XXXX, and {$110.00} on XXXX XXXX. The very next day on XX/XX/XXXX, the account was never updated to reflect my third and final payment to settle the account. On XX/XX/XXXX, I conveniently received an email stating that I have made the final payment to settle my account. I want my credit reporting updated to reflect this account being settled ASAP. If you have received my money and sent an acknowledgment email to me stating that I have settled the account, then be fair about it and report the same to the credit bureaus. Attached is a screenshot from my mobile banking app of the three payments made to Capital One, the email received from Capital One, and the screenshot of the credit reporting showing that as of XX/XX/XXXX ( the day AFTER my payment was made ) it was still reporting the last payment was made in XXXX, which was NOT true. I want this account reported as settled and off of my credit report.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed unemployment insurance claim and had been waiting receive the card. 
On XX/XX/XXXX, I didnt receive the card, so i contacted bank of america prepaid card, and talked with agent. The agent advised me to wait until XX/XX/XXXXWednesday and if not, call back. 

On XX/XX/XXXX, still I didt receive the card and contacted Bank of America Prepaid card. However, I was heard that someone already stole my card and activated, even used up the balances. Even the mail stealer reported card lost and requested new card with expedite delivery. So, i said i never received the card. Since the person who stole my card updated his email address on my card, so i changed the email address and mailing address from edd website. After that, i requested new card. 

On XX/XX/XXXX, last day, the dispute department was already closed, so i called Disputed or risk team and said same things what happened to me. The person told me that i will receive a letter and will receive the credit. Also, i visited post office and reported mail stolen and as advised by call center, reported money transfer in usps by stolen person. 

On XX/XX/XXXX, i received a card ending XXXX via XXXX to old address. Since i changed address and requested new card, i thought this card not available to be used. 

On XX/XX/XXXX, i received another card ending XXXX via normal post office delivery to newly updated address. 

On XX/XX/XXXX, i tried to activate card endingXXXX, but i didnt allow me to do. so i tried with card ending XXXX, it was activated. However still no credit was given for the amount that i didnt used. No letter received yet. 

I was very confused, and i wanted to ask someone in bank of america, but no one answering. 

I want my edd money back as soon as possible since currently im not working due to Covid-19. 

Thank you.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Upon my investigation, I discovered that the issue was not corrected but worsened. XXXX XXXX tradeline listed on has the following issues. Equifax has the following issues. 

Incorrect data has been furnished. In addition that Equifax has not been authorized to provide this information to my CRA. According to 15 USC 1681, section 604 states the CRA must provide correct information.

I also have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency must furnish an account with written instructions.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (NJ)

Problem with XXXX and XXXX XXXX XXXX. This dept is going to be XXXX XXXX XXXX, XXXX reopened my account without any given knowledge or reason. XXXX is treating this as a new debt, by stating the fact that i had one missed one payment this month. This action not only had lowered my credit score. But a loan credit card i have, called Upgrade, cut me off from using it. The card is paid well and on time, upgrade is another complaint. The Statius of this credit card changed when XXXX XXXX reopen the old loan, and then first missed payment reported. Can you please do something to correct this situation. Thank you
Consumer complaint received 2023-04-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (NJ)

on XXXX XXXX this company through another part contacted my aunt about a invalidated charge. When the other party furnished their number I called them back and they said they would send my social security number to a foreign company to further harass me. The epresentative also called me a XXXX over the phone and said i was XXXX to have a XXXX  vehicle. which i recorded te phone call.
Consumer complaint received 2020-11-19
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. (NJ)

In XXXX of 2020 the COVID19 virus became widespread and there were major shutdowns in NJ that caused our household income to drop by more than 60 %. I requested a forbearance on all mortgages for my house in XXXX, NJ. I spoke to a representative at XXXX XXXX XXXX and they told me the forbearance would start in XXXX and would last for six months. It turns out that they only applied it for XXXX months and in XXXX of 2020 I received a report on my credit stating that the account was delinquent and my credit score dropped nearly 100 points. I contacted SLS and they stated there was nothing they could do about it and that the forbearance was only three months. They also claimed to have reached out to me when the period of three months was done by mail and by phone. I received neither a message on my phone or any written letter with this information. Realizing that I would not get any help from SLS i requested to continue the forbearance and that a supervisor contact me. They stated that they would have a supervisor contact me within 48 hours and no one from SLS ever called me back.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (FL)

The business falsely claimed to the CFPB under case number XXXX that they attempted to reach me on XX/XX/22 through a specified email address. This IS a lie! The SHADY business never sent me an email. In fact, the business purposely makes it exceptionally difficult for a consumer to obtain a report, in fact, much harder than the XXXX major credit reporting repositories! I am NOW providing this sketchy company as requested, a copy of my Government Driver 's License, and a bill within the last 60 days with my current address. Immediately, send me my complete consumer disclosure report for which I am entitled to!
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

Unauthorized XXXX transfers XXXX done back to back, I dont think I ever was told by Wells Fargo that I even have a XXXX account the scammer got access to my computer and mislead me on the cell phone to give codes Wells Fargo said after looking at this no recourse or refund would be issued. Im quite concerned Im on a fixed social security income. The amount taken was XXXX, XXXX, XXXX, and XXXX all to a persons name I do not know.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

XX/XX/XXXX : I contacted XXXX XXXX regarding a refinance, I was upfront about previous late payments. XXXX told me to make all payments on time for 1 year then apply. 
XX/XX/XXXX I made ALL payments on time for 1 year, contacted XXXX XXXX, started the process for a refinance and filled out all paperwork, including credit application. XXXX ran my credit and I sent XXXX my bank statements. 
XX/XX/XXXX XXXX sent me an email asking if I have any reserves besides my current money in the bank. I responded clearly no and asked clearly if that was a problem. XXXX clearly responded in writing " No, you're good! '' XX/XX/XXXX XXXX stated the time to close would be 2-3 weeks. 
XX/XX/XXXX XXXX sent me an email telling me I do not qualify for the loan because I do not have more cash reserves despite clearly telling telling me it is not an issue on XX/XX/XXXX. She offers to try to do a FHA loan ( which she gets to take fees ) and then in 6 months switch again to a no FHA loan ( which she would get fees again ). 
XX/XX/XXXX I told her I feel this is bait and switch, she knew my payment history, and had all of my financial information now she is offering to process 2 loans in 6 months. I felt it was unethical of her. She clearly told me that reserves were not and issue. XXXX responds telling me it was my payment history that is making that requirement. 
XX/XX/XXXX I responded to her telling her she was aware of my payment history and my reserves more than 30 days ago and there was no issue, to then bring it up as an issue and offer me to pay TWICE because she was not honest and up front I felt is unethical. 
XX/XX/XXXX I made a complaint with the BBB and wrote company executives for Golden Empire Mortgage. No response.
Consumer complaint received 2020-11-19
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: EQUIFAX, INC. (FL)

After taking a look at my credit report, I found an account that isn't related to any transactions done by me and I have no knowledge of this account. This is an error or a result of malpractice.
Consumer complaint received 2024-12-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

Greetings. I applied for credit with Home Depot Credit Services, underwritten by Citibank, on XXXX through Home Depot 's website. I received an email on XXXX from XXXX, advising me of attached results of their review of my credit application. I downloaded the document/letter and it advised me that they have denied my application due to the following reasons : History of delinquent credit obligation ( s ). The document/letter stated how they made their credit decision was based in whole or in part, on information obtained in a report from consumer credit reporting agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, XXXX I then contacted XXXX XXXX XXXX XXXX via phone conversation the same evening, XXXX to discuss and review my credit report and status with them, and explained to the agent that I was denied credit from Home Depot Credit Services based in whole or part from supposed delinquent credit obligation ( s ) in my XXXX credit report. The Agent from XXXX, who was a supervisor I spoke with, advised me that reviewing my credit history they have on file that I have no prior or outstanding delinquent obligations listed on my XXXX credit report, and she also confirmed that my credit standing was excellent, having an XXXXXXXX XXXX XXXX XXXX credit score, to which I concurred about everything on my XXXX credit report. The agent supervisor advised me that they could not provide any resolution for me on their end because I had no delinquent obligation ( s ) on my XXXX credit report to contest. I tried to explain to the agent supervisor that the information Home Depot Credit Services allege that I have delinquent obligation ( s ) that they say was sourced from XXXX XXXX XXXX XXXX XXXX, and I requested if sheXXXX XXXX XXXX XXXX XXXX could on my behalf, reach out to Citibank and correct the 'delinquent obligation ( s ) error that Citibank states is in my XXXX report they obtained. She advised that she could not. Therefore, I strongly believe that I am being discriminated against receiving credit from Home Depot Credit Card Services, due to highly incorrect information Citibank alleges I have on my XXXX Credit Report, to which XXXX XXXX XXXX XXXX outright denies, based on my current XXXX Credit Report. I can provide all the documentation, including the letter of credit denied, my current XXXX credit report, and other prior documentation and previous Home Deport Credit Card account I had that was closed XXXX, that will strongly support with additional proof of personal discrimination of credit denial to me.
Consumer complaint received 2020-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Nicholas Financial Inc. (FL)

In XX/XX/2020 due to COVID-19 being laid off from job, I made a request for a Hardship. I was told I had to pay the interest. I was sent a deferment form to complete. I refused to sign it because I had asked for a Hardship and was told it was the same thing. I later contact other companies and lenders and was told a deferment and hardship is two different things. I the contacted the corporate office and spoke with XXXX who stated his supervisor informed him that they would do a hardship only if I pay a full month. 

It is my understanding due to the COVID-19 several lenders are giving people 2 to 3 months. Because I refuse to sign a deferment and pay XXXX that I didn't have at the time, I requested a Hardship. Nicholas Financial reported negative information on my credit in retaliation to cause damage. My credit report shows never late over 30 days for the past two years and they are being very inconsiderate due to the pandemic that is happening with borrower. 


The Care Act inform lenders and creditor to remove late fees and not to report anything negative that will effect one credit during this time. Nicholas Financial refuse to comply with the Care Act
Consumer complaint received 2020-05-10
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. (PA)

This started back in XX/XX/2020, I pull all of my credit reports to check the discrepancy on my accounts. out of all three reporting agencies. Equifax is the one showing delinquent and derogatory against credit cards that are closed or XXXX years old and should be off of my report. I have called them twice, and email 4 times, and regular mail explaining the situation with proof from the credit card companies. Each time I get a response back saying, they cleared it up or telling me they need more proof of who I am after I forward my driver license and birth records to them, the false information has cause major dilemma in my life. Its have caused me from getting my home. each time I write to then or calls they reduce my credit score. From XXXX XXXX XXXX. to the present. trying to get this taking care of. Would you please help.
Consumer complaint received 2020-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

After receiving a debt collection letter from portfolio recovery and associates. I sent a validation letter to the company. As a result the company could not validate this debt as required under federal law. And the account was removed by XXXX. 

Currently this account has been reinsurted under a new name XXXX XXXX XXXX XXXX. Even though account was sold to by XXXX  XXXX XXXX   XXXX  to portfolio recovery and associates and I'm around XXXX of 2019. 
This is a violation of the fair debt collection practices act section 809b Noticed ; account name is listed as XXXX XXXX XXXX XXXX  but address name and number is portfolio recovery and associates. XXXX XXXX XXXX XXXX Virginia XXXX. 
This information is misleading, fraudulent and violation of federal law. 

This account was reinserted without notice of reinstatement 5 business prior as required by federal law. A violation of FCRA rules 1681.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as collection with a PAST DUE BALANCE of $ {$1100.00} Name : XXXX Account # : XXXX Description : All three Credit Bureaus are showing account in collection with a Past due balance : XXXX show a past due date of {$1100.00}, XXXX Show Past due of {$1100.00} and Equifax show Past due balance of {$1100.00}. Under XXXX XXXX XXXX account must be deleted by Law. 
This is a violation of FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards, By the previsions of the Fair Credit Reporting Act and per the standards of reporting compliance, implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my credit report. 
I await your reply with the above requested proof. Receiving it, I will correspond back with by certified mail. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (LA)

I closed my chase checking account due to fraud activity the woman say she close it she opened a replacement account which I didn't want and I told her I didn't want any account with this bank. My payroll came in XXXX account I close which it should have been sent back to the sender I opened a whole another account another that money was going there but before I could give employer the info they let the money go through and charge me a overdraft fee of XXXX out my check with I didn't do and the bank got the money out my account with out permission when they wasn't authorized to do that.
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

Paypal processed a charge for {$67.00} from a company in XXXX that was selling a holiday projector that would project images of Ghosts for XXXX and XXXX. It was advertised to be like the XXXX model ( see attachment ) but with the addition of a screen. The package was advertised as a bundle and delivery was guaranteed by XX/XX/2020. The package did not arrive by XX/XX/2020 as promised and I filed a refund request with PayPal this was denied because PayPal claimed that the seller had sent the item. Yesterday the item did arrive but it is not what was ordered -- instead it is a cheap light that can illuminate a house at night ( they are available at XXXX for less than {$20.00} ). 

These are the details of the case : Dispute Case ID : XXXX Transaction Amount : {$67.00} USD Dispute Amount : {$67.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 XXXX