davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/XXXX Wells Fargo sent me its annual Escrow Review that projected a significant increase on monthly escrow payments. The actual taxes for the XXXX fiscal year was {$12000.00}. The increased escrow payments were based on the projected property taxes for the upcoming year increasing to ~ {$17000.00} ( based on the last 4 payments made to the town ). The primary reason for the last 4 payments being this amount, was that the town 's initial estimate for the first 2 quarters of XXXX was {$2000.00} based on XXXX taxes ***when no property existed on the land. ***. The final XXXX taxes were based on the fully built up lot. While the town has not decided on the tax rate and assessment for XXXX, it is unrealistic to project that the XXXX taxes are going to be 34 % higher or XXXX {$4300.00} higher!! I complained to Wells Fargo about this increase and the only resolution I got in a XX/XX/XXXX escrow review used the same projections over 24 months instead of 12. I expect that a finance company will do due diligence on analyzing why their previous projections didn't match the actual payouts instead of blindly using past payments as the sole authority in determining future payments. While Wells Fargo is likely to refund excess escrow balances next year, it is a needless burden on our family 's monthly cash flow.
Consumer complaint received 2018-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MN)

Was approved for credit card XX/XX/18. The offer was to spend {$2500.00} to get XXXX bonus miles. I spent around {$2400.00} and now my card is frozen. I was told to summit a XXXX on XX/XX/2018. My account has still been frozen during this entire time. I have called many times asking about the progress and they have responded they are still working on it. I have only until XX/XX/XXXX to meet the spend. I want to be able to meet the spend to get the bonus but having a frozen card makes it hard. I do not think it is fair to have a card frozen when it is so close to the minimum spend for the rewards. They should not of approved my card if they had doubts about my ability to pay in the first place.
Consumer complaint received 2018-10-06
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 (MO)

DO NOT DO BUSINESS WITH CAPITAL ONE. On XX/XX/2018, I was fraudulently charged by a phony organization in the country of XXXX, for supposedly driving something like 12 mph over the speed limit. My car was stopped by a phony policeman who said I could pay or I would go to jail. I could barely understand what he was saying. The form he put in front of me was only in XXXX -- NO ENGLISH. The amount on the form was XXXX ( XXXX XXXX  XXXX ) XXXX   Kroner  ( about {$10.00} ). He demanded a credit card, not cash. So, I gave him my Capital One credit card. When the Capital One bill showed up back in the USA, it had been billed {$800.00}. I disputed the charge to Capital One. On the chargeback reply, sent to Capital One from this place, the amount had been CHANGED to XXXX ( XXXX XXXX XXXX ) XXXX Kroner ( {$800.00} ). They had MODIFIED the original form, adding English and changing the amount by changing periods to commas. I still have the original form, all in XXXX, which clearly shows periods -- not commas. I sent a copy of the original form to Capital One, but they took the side of this fake police department, with their changed form, from this very remote area of XXXX. In addition, I told Capital One that my drivers license isn't even the one on the form. I was given the ticket because my name was on the rental agreement. I sent a copy of my drivers license to Capital One to prove this. The lady at the local XXXX XXXX XXXX ( the reason we had gone to this remote place ) explained that this was a 'tourist trap ' targeted at rental cars. She said there wasn't even a town. I explained all this to Capital One, but Capital One has taken their side. My credit rating is in the 800 's. I have never been late for a payment, in more than 50 years with credit cards. I'm XXXX years old. With my company, I've charged hundreds of thousands of dollars with Capital One, over more than 30 years. I thought they 'had my back ', but they take the side of a phony organization in another country. From what I've read, from the complaints posted here, it seems that Capital One will always side with the so-called 'merchant ' over the credit card holder.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-04
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. (NM)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXXXXXX, NM, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN, XXXXXXXX XXXX XXXX XXXX XXXX TX, XXXX
Consumer complaint received 2024-10-23
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-23
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, and XXXX data breach.
Consumer complaint received 2024-10-23
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. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am filing this FTC Identity Theft to report separate XXXX fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a OTHER opened at XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-04
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. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NH)

This is the XXXX XXXX in XXXX New Hampshire I lived on the border in XXXX NH and worked in XXXX so I believe 30 years ago that in the area for some reason the post office was combined. Just in XXXX because the population rural also may have two I do know someone who lives in a town nearby but they have 2 same zip codes for mail and post office boxes so this was 30 years ago but no it is not likely both as on credit report I have little to go by but it may have been someone at the same time and or unknown to get my info ID theft. I also have obviously lived at XXXX XXXX XXXX XXXX XXXX but mail was always missing from both parents growing up. So if it was showing XXXX XXXX XXXX I opened it at XXXX when legal because I was not happy mail missing XXXX XXXX XXXX XXXX ( XXXX prior to XXXX ) and may be XXXX XXXX now XXXX. But mail by mother did happen a lot. So at XXXX opened XXXX XXXX XXXX XXXX tired of it. Own mother. But if showing as resistance at a later date it may not be me. However it may explain why I was not receiving my mail even at own place and should have had nothing to do with the residence. This is why I still question how my mother is last known connecting with people that I rented from etc. and same area and mail. If in my name I can only say which are mine if I am not sure I am really starting to question this. So it was on XXXX however it may be on the others and they may have more of a mess. 
XXXX XXXX XXXX XXXX is one I likely mentioned. However the mailbox was in addition to other questionable items as XXXXXXXX XXXX XXXX  etc missing. XXXX was the mail carrier. He sadly told me that because of the ice he wanted to get it up but he said that he was not allowing because XXXX XXXX XXXX did not fix mailbox sand clear and even left it when a plow might hit it more than once. So at the time during that winter storm which was not by landlord taking the responsibility to even get it to where the town asked him to put the mailbox so it would be less likely to be an issue. So town asked him to pick it up at the post office. Odd thing is he would not let me go to get my mail. Here is the correct address for my XXXX XXXX XXXX  address about XXXX old.
Consumer complaint received 2024-10-23
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. (OH)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've advised KOHLS of their multiple consumer violations against me and they have yet to rectify their illegal actions. I've advised KOHLS that I do not want my late payments being reported in reference to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Congress has ruled over transactions to be private as a consumer and I'm notifying KOHLS to cease all their violations and remove the late payment reporting from all 3 credit reports
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following account : 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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$10000.00} XXXX XXXX Account number : XXXX Balance : {$8400.00}
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A capital one card was opened in my name that I did not open myself. I have been a victim of identity theft. I also did a police report and the case number is XXXX XXXX  XXXX badge # XXXX.
Consumer complaint received 2024-10-06
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. (TX)

It is frustrating to have discrepancies across my credit reports. XXXX has mostly accurate information, except for the XXXX XXXX XXXX XXXX  However, Experian and XXXX did not remove this account, and it remains on your credit report, negatively impacting your XXXX XXXX. XXXX XXXX XXXX XXXX  balances are still being reported inaccurately. They are not at XXXX % utilization ; in most cases, they are not even XXXX  % utilized. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of criems which antedates the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

On XX/XX/XXXX, I applied for a loan through XXXXXXXX XXXX and I was denied and Equifax had sent XXXX. My credit score saying it was at XXXX. I have credit monitoring and mine says XXXX as of XX/XX/XXXX. So Equifax got me denied credit. I would like to know which one is the correct score and if thats the case, thats ridiculous. I am being denied credit.