davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
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. (NY)

hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, New York XXXX. XXXX and i have contacted Equifax countless times and the creditor and cant seem to have them remove these unauthorized inquiries off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized inquiry removal which is part of Equifax issue of not helping me! Equifax customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the inquiries below which are part of the unauthorized inquiries shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, equifax is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here are the unauthorized inquiries i need removed off my credit report " EQUIFAX '' As follows ... 

XXXX XXXX, XXXX  on XX/XX/2020 XXXX  on XX/XX/2020 XXXX XXXX-XXXX  on XX/XX/2020 XXXX on XX/XX/2020 XXXX  on XX/XX/2020 XXXX  XXXX XXXX  XXXX on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX ON XX/XX/2020
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I don't even know where to begin with how upsetting this current situation. Not only have they been effect in dropping my credit score, they have also proven that even after 5 years of loyalty and never missing a payment they could care less. For those looking to join Capital One, don't waste your time communicating with the lower level staff. I have recored conversations of over 6 different employees who do not even know how to calculate the bill cycle date. So if you need any clarity regarding you account good luck, because they managers do not no either. They only reason we were able to determine the correct way to calculate the new dates, was by looking at my past credit statement. Im sure your thinking what do does that do me right. But wait it gets better. If your looking for transparency your in the wrong place. With my knew experience I get this over whelming feeling that they are intentionally trying to target you. I prove that point my simply pointing out their app.The only thing the app is good for mining your data and providing useless information. Case and point why provide only the statement date that's past an don't the current one?! They only provide information regarding your due dates and if you are familiar with trying to improve your financial worthiness you would know that your STATEMENT-DATEs are the most important dates to look out for. So with that being said, Capital One is only trying to manipulate a certain level of economy status. Why else change formatting of statement dates from concert to floating dates, and leaving the method of communicating these new terms through a 5 sentence paragraph that can easily be misinterpreted based on your perception of how and when to count from the due date.!!! These people are con artist. If I leave you with one thing I would say READ YOUR STATEMENTS AND IF YOU SEE SOMETHING FUNNY. CALL ASK FOR A MANAGER, RECORD THE CONVERSATION AND GET READY FOR THEM TOO DO NOTHING. They can mislead you and leave you with a sorry. If you miss anything on them they can charge XXXX $ and report you to the credit. Everyone is screaming about taxes in politics but no one is taking about regulating and saving us from these corrupt cooperate giants. I DARE ALL OF YOU IF YOU HAVE A CAPITAL ONE CARD TO CALL THEIR SERVICE RECORD YOUR CONVERSATION AND POST THE AMOUNT OF TEIR EMPLOYEES THAT DO NOT EVEN KNOW HOW TO CALCULATE OR ARTICULATE HOW TO DETERMINE THE CYCLE END DATE. I have 6. Lets see how high we can get!!!!
Consumer complaint received 2020-11-24
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$1200.00}, {$650.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XXXX XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account.
Consumer complaint received 2020-11-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WestGen Lending, a DBA of Beckam Funding (CA)

I am writing this to express how frustrated we are over this situation I cant get answers when will I get funded!! The bank Westgen Lending are very unprofessional and been giving me the run around for one month to close and nothing has happen yet! They keep ignoring my calls and fail to contact me! My family and my self are very disappointed & annoyed with this situation. When I picture buying my first home all I thought it would bring happiness and joy!!! especially during this time of holidays!!! Instead were getting the opposite!! a bad experience! Stress and and unprofessionalism!!
Consumer complaint received 2020-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

Lender acquired my student loan account in XXXX  from the US Dept if Education. Lender is yet to credit me for XXXX XXXX from XXXX. Gor several years, vendor stated they are " manially '' verifying the information from previous service provider.
Consumer complaint received 2020-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My wife and I personal information was both stolen and has been being used as if they are us to the point that they got so many accounts in my name they filed bankruptcy to start over and get MORE accounts in my name. I filed a police report over 8 years ago and an identity theft report. This still keeps happening and no one is helping me fix it. I disputed with the credit bureaus and they still have left some of it there like I should be liable which it TOTALLY WRONG. They actually DELETED an account on my wife 's report that DID belong to us but still leave the fraudulent accounts there.
Consumer complaint received 2020-11-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KS)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.
Consumer complaint received 2020-11-24
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. (NV)

This is my 3rd complaint dealing with these credit bureaus and them not fixing the incorrect info and accounts on my report that are from identity theft and fraudulent. My whole identity has been stolen to the point that someone has been living as if they were me even filing bankruptcy in my name to start over and keep getting more fraudulent accounts in my name. I have gotten some of the stuff removed but there is still two accounts and the bankruptcy that remain. I filed a police report and identity theft report as well as sent the bureaus everything they have asked of me to verify it is me requesting this and still NOTHING. They even erased a credit card account that WAS actually mine but not the fraudulent accounts.
Consumer complaint received 2020-11-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}, {$8500.00}, {$13000.00}, {$0.00}, {$1100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX XXXX Thursday evening I had went to Chase bank on XXXX XXXX in XXXX XXXX, New Jersey to open an account. 
The lady who helped me was very helpful and briefly explained to me the procedures on opening a checking account. 
Before reopening the account she had called customer service asking them if I am eligible to open a Checking account for a debit card. 
I had chase years before and they closed it in XXXX due to having an old coworker of mine asking me to put a check in for her into my account. At the time I has asked her multiple times about this check and she said it was from her " family company '' I didn't bother to think she would scam me in any way. So after she put the check in I received a letter few days after saying they were going to close my account. When I spoke to her she had blocked me and I haven't heard from her since. This year I needed my account bad due to receiving unemployment and I need an account to deposit my cash from working as a XXXX. When I went in person everything was fine and they opened it up and I was even able to deposit some cash to start up. 
I just received a letter today XX/XX/XXXX stating they will be closing the account if I do not get in contact with the customer service. So I called. When I called whom I spoke to told me to get in contact with law enforcement about the scam. so they can have the person who scammed me confirm the check. At this point im furious because nothing is resolved. And the person who did it scammed me and just XXXX MADE NO SENSE so I asked " okay after I file this report, you want law enforcement to look up this girl for her to call you and tell you that she scammed me? " the line I Called from chase account transferred me to the " Fraud loss Collection '' He was VERY rude and told me to look for the third party to verify the check she put into my account. After telling me that he also stated that even with all that done that im still not able to open an account until they have this third party they scammed me. 
They just kept giving me the run around, and at that point I just had the whole conversation recorded just incase. So I asked for them to send me a picture of this check and he said " we can't do that due to it being a closed account '' at that point I just completely lost it over the phone and said so how in the XXXX am I suppose to resolve this?!!!!!
Consumer complaint received 2020-11-24
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: BARCLAYS BANK DELAWARE (MD)

THIS IS THE THIRD CASE I'M OPENING. - ALL I WANT BARCLAY BANK TO DO IS REMOVE THE 30 DAY LATE PAYMENT OFF OF MY CREDITREPORT. I HAVE PROVIDED ALL DOCUMENTATION I COULD POSSIBLY PROVIDE.I AM AN XXXXXX/XX/XXXX XXXX XXXX XXXX MEMBER I WOULD NEVER IMAGINE THIS MUCH STRESS FOR RESOLVING THIS ISSUE. - THIS HAS IMPACT MY CREDIT MIGHTLY AND COST DENIAL OF MORTGAGE LOAN AND NEGATIVELY AFFECTED MY CREDIT SCORE. I WAS XXXX/XXXX  WHEN THE ACCIDENT OCCURED. I PROVIDED DOCUMENTATION OF MY TRAVEL ORDERS, BANK STATEMENTS, AND THE PREVIOUS COMPLAINTS. - I ALSO MAILED THE DOCUMENTS MR. XXXX ASKED FOR AND ATTACHED THIS COMPLAINT ALSO. I HAD PROVIDED THESE DOCUMENT IN THE TWO PREVIOUS COMPALINTS AND ALSO MAILED THESE DOCUMENTS TO BARCLAYS FCRA FOUR TIMES VIA MAIL. ONE IN XXXX, TWO IN XXXX, AND ONNCE IN XXXX THEY HAVE BEEN MAILED TO FCRA. - I STILL HAVEN'T HAD MY ISSUE RESOLVED. I'm XXXX XXXX XXXX XXXX. I wentXX/XX/XXXX on training out of the country on XX/XX/2020. On XX/XX/2020 a payment didnt go through and after contacting my mom as a emergency contact she paid the payment on my behalf. Once I return in XXXX, Ive noticed a 30 day late payment charge on my credit report. Ive been a customer with no missed payments for over 4 years. Ive called and send them documentation showing my orders in XXXX and XXXX and early XXXX and I was told it cant be removed. - The company keeps asking me for documents I already gave them. For me to be military I've never think I have this much fight to remove this late 30 day payment on my credit report.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

For the past fifteen years, we have encountered numerous problems with the mortgage services offered by Wells Fargo. On XX/XX/XXXX, I discovered misplaced correspondence dated for XX/XX/XXXX from Wells Fargo regarding a previous account that was transferred to Wells Fargo in XXXX. Enclosed in the envelope was a letter that explained an overpayment of Private Mortgage Insurance ( PMI ) and a check for {$2700.00}. Prior to our refinance with Wells Fargo in XXXX, several attempts were made to eliminate PMI. On XX/XX/XXXX, the letter stated the LTV as 87.8 % and XX/XX/XXXX the LTV was 87.6 % with a required LTV of 80 % to eliminate the PMI. However, conflicting information was later mailed on XX/XX/XXXX and XX/XX/XXXX and the LTV changed to 65 % to eliminate the PMI. Although we continuously challenged the telephone representatives about the disparities and were denied a loan modification more than once, we refinanced the loan just to afford the payment. On XX/XX/XXXX, I reported my complaint to the Wells Fargo Board of Trustees via email. I was contacted by Case Specialist, XXXX XXXX who stated he would investigate the complaint. Upon discussion, I advised him that my account was poorly managed and the compensation did not reflect the additional debt incurred during our XXXX finance. If the PMI were deleted on XX/XX/XXXX before the refinance on XX/XX/XXXX we could have avoided unnecessary debt. However, based upon his letter dated for XX/XX/XXXX he did not agree with my assessment of this seven year delayed action.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I applied for a Verizon Credit Card through Synchrony Financial Bank. The application page asked for name, last name, address, date of birth, social security number and income information. The application was denied, after my credit bureaus were accessed. The reason for the denial is that the bank couldn't verify my identity. No further information was provided. I called repeatedly and asked to speak with lending department or any relevant department. Each bank has a security and/or lending department that is responsible for making lending decisions. Apparently Synchrony Bank has an automatic algorithm that checks people 's credit bureaus and reject candidates without a reason. If the bank believes they can not confirm my identity, then the bank has the obligation of offering a way to confirm it. I'd be happy to send copies of identity documents, W2s, paystubs, etc. However, the bank keeps saying that the identity could not be verified, and to try again in 30 days. Basically this bank wants to ruin people 's credit by doing a hard pull every 30 days and just hide behind the phrase : we couldn't check your identity. How can you state you were unable to verify my identity if you only asked demographic information, which was correct since it's me, and then the nothing else was asked? 

The cherry on top is that I already have a Care  Credit account with this bank, with XXXX balance by the way. So how is it again that you're unable to check my identity? 

This bank is violating the Equal Credit Opportunity Act and should be held accountable. This case will also be referred to the Florida State Attorney 's Office.
Consumer complaint received 2022-11-13
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-24
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: CITIBANK, N.A. (NC)

On XX/XX/2020, I purchased a XXXX dishwasher and related services from Best Buy in the amount of {$1200.00} on a My Best Buy credit card issued through Citibank. The item had incorrect dimensions and was returned to Best Buy before I took delivery of the item. 

I have a paper receipt and an electronic receipt ( see attached ) confirming that the item was returned. I also had an individual from Best Buy wait on hold with me for more than 30 minutes to inform My Best Buy credit card issued through Citibank that the dishwasher had been returned and was in stock at the Best Buy on XX/XX/2020, which was ten days after the item was returned. This ten-day period initially exceeded the time I was told the issue would be resolved. I opened a dispute with Citi and they informed me that the disputed charge would be 'resolved as quickly as possible. ' I was informed that could take up to 48 hours, and then, 48 business hours, and six days later, 'more time than 48 hours ' ( I spoke with XXXX Team # XXXX at Citi XXXX. The item still appears on my bill and I would like a full credit for the item ( see attached ) which I do not own.
Consumer complaint received 2020-11-25
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. (CA)

I sent out letters to the credit companies ( XXXX, Equifax, and XXXX ) on XX/XX/2020 demanding to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts they have listed on my credit report. It is XX/XX/XXXX, ( more than 30 days ), and their failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts they have listed on my credit report.