davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX XXXX XXXX XXXX XXXX XXXX informations appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX Fraudulent accounts : XXXX XXXX COLLECTIONS opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX LA XXXX on XX/XX/XXXX XXXX Inaccurate addresses : XXXX BROKEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX LAST XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX BANK XXXX on XX/XX/XXXX XXXX XXXX XXXX ONLY XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-03-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

XXXX XXXX. XXXX was informed of suspected fraud re my Capital One XXXX ( Visa Signature ) card. When fraud was confirmed, my card was deactivated and I was told its replacement was being sent " XXXX-Day Priority ( USPS ). 
XXXX XXXX. still no card even tho ' UISPS tracking site said " delivered '' ( to the wrong end XXXX! ). 
XXXX XXXX, no card. I called Cap. One and info 'd them re USPS " delivered ''. Their representative assured me it WOULD arrive " tomorrow or Friday at the latest ''. 
XXXX XXXX, no card. I spoke w/ a supervisor who was befuddled and connected me w/ his superior. She said the card was lost, they had canceled it and that they would send me ANOTHER ( XXXX ) card via USPS XXXX-Day Priority. 
IF I get the card this time, it will have been at least eleven days. 
Already some of my credit card auto-pay companies have been denied payment and my previously " excellent '' credit rating is in decline ( a VERY big issue since even XXXX ca n't get credit reports corrected and numbers restored ). Additionally, I can not do business online and I must carry large sums of cash to cover the daily expenses that had been covered by my Cap.One card. 
" What 's in YOUR wallet? '' the ads ask ; " NOTHING! '' is my reply.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2015-12-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My vehicle, originally financed with Capital One Auto was traded to XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I contacted capital one to advise of this. My concern was that a payment was due on the XXXX ... .the rep advised me that she would note the account accordingly that the payoff would be received. There were problems with paperwork, dealer placed incorrect vin on contract so I had to resign. I contacted capital one to advise and express my concern with over XXXX and to advise of the reason for the delay. The rep advised me that if the payoff was n't received by the XXXX, they would correct the account once the payoff was received. I continued to check daily and there was an overage that was due to me as well. After the payoff posted on XXXX XXXX ... I contacted Capital one again. They submitted the dispute on my behalf and it was denied. I asked why and explained what I was previously advised when contacted. There was no concern. My account was never paid late during the two years I had the loan and I would like for the XXXX to be removed from my credit report. If that was n't the case, capital one should advise their agents to provide correct information to their customers.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NY)

NOTE : The Card number may not be complete as I did not receive the card at all. 
Around XX/XX/XXXX I applied for Old Navy Credit card at a store in XXXX NY. The purchases I made that day we paid through my debit card and was not charged to the new credit card. It was just an application. 

Early XX/XX/XXXX, while trying to get a car loan, I was made aware that I have negative reporting by Synchrony indicating Charge off and Late payments. I list below the events that occurred and incorrect management of the account by Synchrony. 
Upon understanding of the negative reporting I immediately called Synchrony. 
XXXX Synchrony asked me to call XXXX as the account was sold. XXXX did not have the account active on their systemb. Escalated back to Synchrony on what the balance is and why is reflecting on my credit report. Nobody could explain the balancec. Continued follow up until Synchrony had to re-purchase the account back from XXXX XXXX associates. 
XXXX The account was reported Charge off around XX/XX/XXXX and XXXX XXXX this Seriously impacted my credit. 
XXXX With various follow ups I was given to understand that there was a balance of about {$59.00} on the account however they could not explain why until the account was activated. 
XXXX Finally, i was given to understand that an application fee of around {$14.00} was assessed on the account and all other fees were additional late charges. 
XXXX Synchrony waived the charged and I paid {$14.00} and change on the account with the expectation that Synchrony correct the report and delete any negative reporting. This was committed by the agent on the call. 

I never received the credit card from Synchrony. I was told it was returned for incorrect mailing. They did not send me any notifications or statements, nor did I receive any calls. Synchrony charged off my account and sold my account. I also did not receive any notification from the new purchaser. This is complete mis-management of the account and this lead to me having to agree to a high interest rate on my new car. In my XXXX years of credit history I have NEVER been late on any of my accounts and would have not on mere {$14.00} if Synchrony had managed the account well. Apart from a few agents at Synchrony Bank, most of them did not care for customer concern even after explaining on multiple occasions, what the background was. Over the last 6 months I would have paid over {$300.00} extra on my car loan interest due to this mis-management and credit reporting.
Consumer complaint received 2015-03-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have had XXXX issues with Bank of America this month. First, there was a fraud case, which originated within Bank of America, in which an employee printed themselves a duplicate of my credit card and used it for large purchases. After the fraud was discovered, I had to follow up several times to get all the charges reversed. The second problem, which is ongoing, is that Bank of America lost my next payment - for {$400.00}. - paid on XXXX XXXX, 2015 as an online payment from my bank account. I have complained 3 times, and each time, they say it will be fixed shortly, but it is now 18 days since the payment went missing, and it is still not applied to my account, though each time they say they have found the payment in their system. The representative I spoke with today said that no action had been taken on it previously to fix it. The last representative I spoke with said that it was a problem affecting many people, and she had had many complaints about the same situation that very day. They also charged me late fees for the " missing payment, '' saying my account had not been paid on time. They also threatened to raise my interest rate as a result of the late payment. Please help me get my missing payment back from Bank of America and help me resolve this situation. Very frustrating!
Consumer complaint received 2015-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BQ & Associates, P.C., L.L.O. (NE)

Consumer has been receiving frequent repeated calls to consumer 's phone number from ( XXXX ) which belongs to the collection law firm of Brumbaugh & Quandahl, LLC. Consumer does not owe a debt to anyone. Consumer never has owed a debt and will not be 'harassed ' by this law firm in relation to a debt. Consumer contacted ( by phone and recorded the call ) the law firm who stated they were looking for a person by the name XXXX XXXX. Consumer is not familiar with a XXXX XXXX, do n't know the person, never have known the person, and is not related to the person. Consumer made known to the law firm ( and recorded it ) that they ARE NOT to call Consumer 's phone again. Consumer has NOT given Braumbaugh & Quandahl expressed permission to contact consumer on any level. Consumer is reporting in this venue a complaint related to Consumer 's position in this matter. Consumer will file a federal and state lawsuit against Brumbaugh & Quandahl LLC, if they do honor Consumer 's wishes and 'cease ' contact with consumer immediately. Consumer does not want calls, letters or emails from Braumbaugh & Quandahl related to this matter. Consumer will not tolerate consumer 's phone ringing incessantly or periodically from Braumbaugh & Quandahl. Consumer has the right to peaceful enjoyment of consumer 's phone and home under the Telephone Consumer Protection ACT of 1991 ; ( TCPA ) [ 47 U.S.C. Section 227 ] Section 227. At NO TIME has consumer given expressed permission to Brumbaugh & Quandahl to call consumer for any reason. Under the FDCPA Section 15 U.S.C. 1692d Section 806 Braumbaugh & Quandahl are 'harassing ' consumer if they do not discontinue contact of consumer. Consumer thanks the CFPB for providing this venue as a form of documentation that can be tendered as evidence in a court proceeding if necessary. Thank you.
Consumer complaint received 2015-04-13
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I purchased a XXXX star hotel reservation i a certain area from XXXX on the telephone while looking at the hotel listing online. I received a XXXX star hotel in a different location. XXXX was promptly contacted about this error. The XXXX XXXX I spoke with named XXXX acknowledged that the booking mistake was a SYSTEMS ERROR on their part-which led to them booking a XXXX star hotel when our search criteria was supposed to only include XXXX XXXX hotels. After alengthy conversation & speaking with XXXX reps XXXX still refused to refund the charge. I informed XXXX that I did not accept the charges as they did not deliver what was agreed upon. We did not use the reservation. My credit card co Bank of America was contacted right away and told that we did not accept the charges and not to pay them. When the bill showed up on our B of A statement we disputed the charge. We received a letter from B of A stating the case was resolved and in our favor. Later @ XXXX/XXXXXX/XX/2015 I received a XXXX letter dated XXXX/XXXX/XX/XX/2015 saying their investigation found that we did engage in the transaction and that we owed the {$910.00} being charged. On XXXX/XXXX/XX/XX/2015 I telephoned B of A and spoke with XXXX to reactivate the dispute.I was told I did not need to contact XXXX directly as B of A was handling the dispute. I received a letter from B of A dated XXXX/XXXX/XX/XX/2015 on @ XXXX/XXXX/XX/XX/2015 saying again that we did engage with XXXX and that we had till XXXX/XXXX/XX/XX/2015 to have documenation sent to them to continue dispute. I was shocked at the last minute request as they had weeks to ask and inform me of deadlines and additional forms. Despite the untimely requests I faxed as they suggested, everything requested on XXXX/XXXX/XX/XX/2015. A letter wa also sent to XXXX describing the Dispute and that we were seeking a reasonable resolution to the matter. To date XXXX has not replied. XXXX position states : that I called and wanted to cancel the reservation due to not liking the hotel received. This is NOT true as I have stated above. XXXX did not deliver what was agreed upon. I continue to dispute the billing and have informed XXXX departments at B of A in writing. B of A received the letters delivered XXXX Mail XXXX on XXXX/XXXXXXXX at XXXX in XXXX XXXX, TX, sighed by XXXX XXXX. To date we have not received a reply.
Consumer complaint received 2015-12-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

I settled my credit card account with XXXX and after I paid as per my agreement they sold the debt to Midland, I told Midland I settled with XXXX and Midland then filed a collection lawsuit against me.
Consumer complaint received 2015-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

I 've been paying on debt with ASSET ACCEPTANCE , LLC and after several attempts i was unable to contact them and left several messages, i was also with a credit counciling : FAMILY Credit Management and they were unable to get in touch with them after several attempts, anyways we did finally contact them but them amount owed had changed several times and during payments i had them down to {$1400.00} and change when they informed family credit management that i was being charged with a 4 % interest and had no prior written agreement or acknowledgement, i finally paid them off this last week XXXX XXXX, 2015 or so through family credit management, when i asked family credit management for a detailed payment history to them the original balance was {$2500.00} and they told me it was {$2700.00} when i added up the payment history i received through family credit management it totaled more than {$3600.00} and i mentioned this to them and they blew me off. i would like to get some of money back and an explanation why i was told about the interest rate of 4 % on an old cell phone bill, too which I 'm still with the company.
Consumer complaint received 2015-08-07
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION (TX)

TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX
Consumer complaint received 2015-08-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I was on XXXX 's wesbite browsing and came upon their American Express cash back rewards program. I am a XXXX member and this program is exclusive for members. I clicked on the link and read about the rewards and benefits. At no point in time did any disclaimer pop up or was displayed telling me the relationship between XXXX and American Express would expire in XXXX 2016. I clicked on the link which took me to the application process on the American Express website. Again, there was nothing during the application process on their website telling me their relationship would be expiring. Now the whole point why this program would interest me or any other XXXX member/consumer is because of the rewards and benefits. I had to learn from a friend after the fact I had applied for the American Express card that their relationship would be ending. This is very misleading and unethical on the part of both XXXX and American Express. If either company had made it known on their websites or during the application process their relationship would be expiring soon I would n't have applied. This needs to be done to protect the consumer and so a sound fair decision can be made by the consumer.
Consumer complaint received 2015-12-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Federal Pacific Credit Company, LLC (DE)

i had a continental finance credit card which expire on XXXX but on the credit report it state that a payment was done every month up to XXXX. I just want that federal pacific credit give proof to me that payment was made from XXXX to XXXX. the credit card company and the collection agency got me that last payment was made XXXX an they vertify when i dispute with the XXXX, and the other XXXX agency. it do n't sense becauce i retire from work in XXXX an move so how do i pay them if i do n't get a statement.This is the only credit card that gave me problem.IT seen that my account before it when to a collection agency the date was change.
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. ()

i apparently have now XXXX file with equifax XXXX without my middle names and the other with it as messed up my credit first i was told there was something wrong with they refused to tell me what i was told they could not acces my file i needed to send a written request via fax i was told to ask them to update my info i was told it would take 5 to 10 buisness days to process it after a week i call back i was told my information was updated but the problem was still there then they told me about the XXXX files i was asked to send again ( friday XX/XX/XXXX ) a written request to merge the XXXX files togetter and to write rush on it like that it would take 3 to 5 buisness days i called every day to ask if it was done friday XX/XX/XXXX i was told they didint receive the fax to wait till monday XX/XX/XXXX and call back ..i called back on monday XX/XX/XXXX was told they didint receive the fax to send another one written XXXX on it so i did ..kept calling back every day to know if they merged the XXXX files every day it was battle to get them to check my files the person answering the phone are making up XXXX trying to get me off the phone like i was told maybe my fax machine was broken was told the fax didint get send when i received a confirmation it was XXXX was told i sent it to the wrong number also not true was told the adress on my driver license aint right then i was told they could not read my date of birth on my driver license was told to wait the 3 to 5 buisness days when its been clearely more than that since i sent XXXX rush request on XX/XX/XXXX was even told a couple time it was done my XXXX files were merged i asked them what is the date you received the fax for this they tell me XX/XX/XXXX the didint even check once again today XX/XX/XXXX i was told they didint receive the fax that i should send the request via express post i need this resolved asap they created XXXX files under my name and they are fighting not to correct the mistake
Consumer complaint received 2015-12-08
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: CMRE Financial Services, Inc. (CA)

I 've notified them several times that I 'm a veteran and I did go to a va hospital. They reported an illegal transaction on my credit report that I 'm 1 month late as a charged off account. The original date is back from 2010. They re-aged the date on my account in an attempt to prolong the time frame to collect which is illegal and unethical.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello, this is so distressing, It's been months now that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.