davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On my XXXX XXXX Capital One statement I noticed several fraudulent charges. That came up to {$1600.00} which I 'm currently still paying on. I immediately got in touch with XXXX XXXX and was directed to the fraud dept. A purchase adjustment was briefly granted. The XXXX XXXX statement all the charges reappeared. I contacted the Capital One fraud dept about the situation again. It 's so strange that every time I call to discuss the fraudulent charges it seems like I got the run around.
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have never been late on this account until this past month, XXXX 2017. I have had the card for at least 5 years, maybe 7. The payment issue was due to a Capital One system issue where it automatically linked a new checking I 'd opened with their XXXX XXXX group. Upon resetting my autopay, the XXXX checking ( there was little description of what checking account ) was chosen as the payment account verses choosing the XXXX checking that has been linked to the card payments all along. 

The XX/XX/XXXX payment bounced a couple of times. I kept resending it as I was baffled by the return. I called XXXX and nothing was hitting their systems. I called Capital One and after much research ( it was n't clear to them either at first ), we determined the mis-linked account. At this point the payment was not 30 days late and she informed me nothing would be wrong with the account-she even refunded the {$15.00} late fee as a curtesy. I immediately instructed her to debit XXXX for the full card balance that day. The card had a {$0.00} balance ; it now has a negative {$15.00} balance. 

Subsequently the card stopped working, no notice from Capital One. No calls, no emails. I had to call in to work out they 'd cancelled the card! It is a secure card I set up many years ago, so they have my deposit. They also told me I 'd have to re-apply for a card. 

By cancelling the card, Capital One has impacted me in 3 ways : 1 ) Where 's the large deposit plus account balance of - {$15.00} going to go? The chat agent said it would be refunded, but not sure if this is the case. 
2 ) The credit report will read " closed by credit grantor '' which is negative and awful vs " closed by consumer ''. I 'll have to spend my lack of time fighting that now.

3 ) I 've lost one of the oldest lines of credit which helps my FICO and I 've never had a late payment. 

I find this whole experience to be a way for Capital One to quickly secure my deposit for their bottom line and it 's wrong. The lack of communication is flat out incomprehensible.
Consumer complaint received 2023-04-10
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. (MD)

This is the 3rd CFPB complaint filed. The previous 2 complaints resulted with Equifax agreeing to remove the fraudulent, unauthorized hard inquiry but the inquiry is still there as of XX/XX/XXXX. Equifax refuses to remove a hard inquiry from XXXX XXXX XXXX received on my credit report on XX/XX/XXXX. Ive provided supporting documentation that proves that the hard inquiry was unauthorized and a fraud attempt to obtain a line of credit under my Social Security number including a letter directly from XXXX XXXX XXXX XXXX  XXXX acknowledging the fraudulent activity. Ive attached a letter from the bank also confirming that the hard inquiry was unauthorized and should be removed from all three credit bureaus. Equifax is the only bureau that acknowledged the inquiry was fraudulent but still has not removed the fraudulent inquiry from my credit report. I have been submitting disputes every day on the Equifax website for this hard inquiry ever since it was reported on XX/XX/XXXX, but the results from my dispute is closed within hours, which leads me to believe no actual investigation was done regarding the fraudulent inquiry. I immediately initiated a fraud alert, and a credit freeze at all three credit bureaus due to this fraudulent attempt with my social security number and Equifax needs to remove this fraudulent hard inquiry from XXXX XXXX XXXX  dated XX/XX/XXXX from my credit report.
Consumer complaint received 2019-02-24
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. (MO)

I'm disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked. 
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00}
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

XXXX/XXXX/XXXX - This complaint concerns EQUIFAX only. 

The problem is that current EQUIFAX credit reports do NOT show complete public record information. Neither the annual credit report nor the EQUIFAX site XXXX XXXX XXXX reports show the discharge date XXXX bankruptcy ) nor tax lien status ( release ). 

Despite discussions with EQUIFAX consumer reps, could not get any report showing the current status on the bankruptcy nor the tax liens. EQUIFAX staff could not explain why the information was accurately reported in previous reports. There was no accountability for incorrect and potentially derogatory information being propagated by EQUIFAX. I talked with 2 representatives who could not explain why the information was not showing up on the reports - nor would they do anything to correct it. I requested the supervisors supervisor and waited on the phone for 40 minutes without a human response. The number I called was XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX - EQUIFAX reported public record information completely. Discharge and tax lien status 's were accurately reported in credit reports. 

XXXX/XXXX/XXXX - EQUIFAX reported public record information completely. Discharge and tax lien status 's were accurately reported in credit reports. 

XXXX/XXXX/XXXX - Filed dispute on XXXX with EQUIFAX. EQUIFAX did not have up-to-date information about XXXX tax lien status ( released ). EQUIFAX investigated, agreed with my information and updated their report.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (AL)

I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from i recently became aware of. My name is XXXX XXXX and I have no recollection of this account i have not recieved any goods or services either. This is not my account i have never recieved any correspondence in by mail for this account. I am reporting this account
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

COMPANY CONTINUE TO HARASS PHONE CALLS/ NOTICE AND DEMAND PAYMENT {$6300.00} ON ACCOUNT NOT MINES/ OVER CHARGES OF FEES..COMPANY VIOLATES FCBA AND FDCPA ; 1692d, 1692f, 1692g
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OH)

In XX/XX/XXXX, my XXXX Credit Card issued by Comenity Bank had a balance of {$10.00}, which was paid-in-full prior to the statement closing date of X/XX/2017. My XXXX statement was a bill for {$2.00}, for an account with a zero balance. The company representative explained to me that this is a " trailing finance charge '' assessed when you do not pay for a purchase in full on the first month. {$2.00} is the minimum interest fee. " That is a valid finance charge, so I would not be able to waive that fee. '' Therefore, for everyone that pays a financed purchase in increments, after payment-in-full, {$2.00} will automatically be assessed, even after achieving a XXXX Balance. For every consumer that does not pay off the entirety of their initial purchase on the card the first month, when they do pay the balance to zero, the bank will still assess a {$2.00} fee at the end for the privilege of financing at an already usurious 25.7400 % ( v ) APR! No one should have to pay {$2.00} interest on a zero balance!
Consumer complaint received 2023-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I am eligible for TPSLF, and I have been working in the public sector for over 15 years. I submitted my Employment Certification Forms ( ECFs ) to MOHELA on XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX, and she said that my loans were transferred from the Department of Ed/XXXX XXXX to them and that it would take up to 90 business days for them to process my loan information. On XX/XX/XXXX, I contacted MOHELA to let them know that they didn't receive any information regarding my loan transfer or any information about my loan counts. The representative told me that he didn't have any information in his records that my loans were transferred and that he would put in an expedited request. He said that it would take 45-90 business days for MOHELA to receive my loan information. I have been given the run around for over seven months, and by now, I should have an accurate loan count. This has been beyond nightmarish.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On today I spoke with XXXX who said he was a special handling supervisor for transunion. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between transunion and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.
Consumer complaint received 2017-10-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

Navient has been the hardest loan company to work with ; I originally had XXXX XXXX until Navient bought them out. I admit I have n't been promptly with the loan company as far as moving forward with payments, but every time I tried to work some sort of payment plan their representatives basically laughed in my face. Throughout my time in school I made monthly interest payments beginning at {$25.00} and ending at {$75.00}. Those payments did n't seem to make any difference on my loan. The interest is ridiculously high and they are n't willing to reduce my interest. Navient constantly harasses me by calling from XXXX all the way until XXXX at night from all sorts of different numbers ranging from New York to Washington. My most recent encounter with Navient was XX/XX/XXXX where my Account Specialist gave me a 1 % interest reduction ; my highest interest is 11.6 %. He offered or more or less told me my repayment program would be a 9 month period where I pay {$370.00} and then the XXXX-XXXX month I would pay my original monthly payment of {$1500.00}. When I asked if there was another option he told me that 1 % was as low as he could go. I really had no other option at that point. He also mentioned that I had to be in forbearance to qualify got repayment options ; which made no sense to me. After I agreed to the terms of this ridiculous repayment program we then proceeded to go through my monthly finances ; after the fact we already started this new repayment program. My Account Specialist stated that I was cutting it close every month and that I should pick up more hours, I already work XXXX-XXXX hours and sometimes even more than that & I 'm only a XXXX. I asked how much my payout amount would be and he said it was {$110000.00} ; my original principal amount was {$77000.00}, my loan accumulated {$32000.00} in interest, that 's almost half of my original loan. It 's clear Navient is not willing to work something out that is more reasonable let alone reduce the high interest.
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: First Credit Services Inc. (AK)

I received a phone call XXXX in the morning in XXXX XXXX. The person told me I owed money for a gym membership that I did not pay for 3 months since XXXX XXXX. I normally paid {$15.00} per month and the gym membership was on auto pay from my credit card. I did not received any notice of non-payment from my gym. The collector also continued saying I owed {$100.00} for the 3 months of missed payment. My membership was {$15.00} dollars a month and now is it {$100.00}?!?!?!? I asked why there is a huge increased, the collector responded for msc fees added to the account. The priced double. The collector stated if I pay now, I can get some discount from cost and they would need my credit card number now. 

I thought this was a scam because I was never notified of any late payment. I told the collector to email me the debt information. They agreed to email me the information. Now in XXXX XXXX, I received XXXX phone calls a throughout the day at weird hours from different numbers. I asked them several times to email me the information and never did I received an emailed copy of my debt information or my rights. I am sick and tired of being bothered with weird numbers and they can never email my debt information when I asked several times. 

They have been leaving me messages stating if I do n't pick up the phone, I had confirmed I am that person on a voice message!!!!!
Consumer complaint received 2019-02-28
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. (CA)

I have a loan with XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late four times. There was definitely an error on their part. I was never four times 30 days late.
Consumer complaint received 2017-10-19
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. (AZ)

Have tried to work with Experian, XXXX and XXXX over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX Financial car loan, and XXXX mortgage accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and Experian, XXXX  and XXXX and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!
Consumer complaint received 2017-03-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (SD)

I have an American Express Debit card which was stolen from me on XX/XX/2017 along with my phone. yes I know its not ideal to keep your pin and password information in you wallet but I did. I filed a claim once I had realized that card had been being used which was on XX/XX/2017. 10 business day have clearly passed and they keep give me the run around, I have not received a resolution, provisional credit, nothing! I have contacted them on numerous occasions and have even been transferred to manager to manager and all the keep saying is that they are escalating it since they can see I filed the claim on XX/XX/2017 ... today is XX/XX/XXXX and we are 4 days pass regulation e what can I do now?
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There is inaccurate information reporting on my Experian and XXXX credit report. They are reporting an account in which I do not recognize. XXXX is reporting the account as XXXX XXXX while Experian is reporting it as XXXX XXXX XXXX XXXX. How does this meet FCRA regulations when the account numbers are different? All data furnished should be the same and consistent, but this account is not. I have only 1 closed account with this company, and this is not the account. I am requesting that this inaccurate information is deleted from my credit report immediately. I will attach the inconsistent credit report.
Consumer complaint received 2023-04-10
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. (NV)

XXXX, This is XXXX XXXX, I unfortunately became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NH)

My wife and I sent the following letter to our loan XXXX at loanDepot, XXXX XXXX, in the afternoon of XXXX XXXX. We have not heard from her or anyone from loanDepot since, and our application remains active. This strikes us as peculiar and wrong. We invested a significant amount of time both in the lead-up to the home appraisal and on the loan application itself -- time, and effort, for which we believe we should be indemnified, in addition to the fees we paid loanDepot. 

" XXXX, We have not heard from you since last Thursday, even though you set our closing date for today. 

Anyway, loanDepot made the initial phone call which started this process. In that conversation, we mentioned the size of our property, the age of our home, and that ours would be a jumbo loan. 

As you made it clear to us in our phone conversation last Thursday, we have been defrauded by loanDepot, as we were, unbeknownst to us, offered a loan for which " we were not qualified. '' A subsequent conversation with XXXX XXXX revealed that our property is, he admitted, " typically ineligible. '' We would not have risked the venture had we been apprised of its nature. 

We wish for our mortgage application to be withdrawn from consideration. 

Please be advised we will report and publish this instance of predatory lending, starting with the Consumer Financial Protection Bureau, and we will disclose names. 

At this time, we request only a full refund of every fee, including that for the appraisal, we have paid loanDepot thus far. 

Sincerely, XXXX and XXXX XXXX ''
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (CO)

I was advised by creditor XXXX to speak with collection agency XXXX XXXX via telephone transfer, and XXXX advised that XXXX provided incorrect identification on the negative credit reporting. I gave XXXX my personal identification and they could not find any record of me in their system.