davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX This company shows up on my XXXX HARD INQUIRIES report. On the data of XX/XX/XXXX. 

I have call and spoke with Representatives on XX/XX/XXXX as well as supervisor for this company I explain to them that I have not applied for any of their credit services and that this is a fraudulent act on my credit report. I have asked them to have it removed, they told me that it is impossible because their do not have any records of my file on there system. And that contacting you guys was my only option of having this fraudulent act removed off of my report.
Consumer complaint received 2017-08-22
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. (IL)

In XXXX of 2016, I was notified by XXXX XXXX credit monitoring that a credit application was made for a XXXX XXXX credit card using my social security number. Shortly after the first attempt, another attempt was made, this time with XXXX XXXX. I confirmed that these were fraudulent attempts, filed a police report, and submitted the requisite documentation to the credit agencies to implement a 7-year fraud alert on my account. While I was able to get both hard credit inquiries removed from my XXXX and XXXX accounts, they still remain on my Equifax report -- negatively affecting my credit score. Since the original incidence of identity theft, I have filed a total of 11 disputes with Equifax ( two examples attached ), but they still refuse to remove the hard inquiries. Despite evidence I have provided, Equifax still insists these are " a factual record '' : > > > We have reviewed the inquiry information for XXXX ( XXXX ). The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX > > > We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX
Consumer complaint received 2020-05-15
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. (PA)

While checking my credit report I noticed several accounts that don't belong to me. I contacted the police created an identity theft report then submitted the information to the credit bureaus. These fraudulent accounts have yet to be removed and blocked from my credit report. The referred accounts is XXXX XXXX XXXX XXXX Its 2 accounts fraudulently being reported on my file by this company. First account # XXXX {$10000.00} the Second account # XXXX {$710.00} Instead of removing these accounts from my report they changed the status to closed accounts. Another fraudulent account being reported is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX {$1100.00}.
Consumer complaint received 2020-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

This company contacted me and stated that I owed a debt. I informed the representative that wasnt true and asked for them to send me validation that this debt exist and where these numbers were coming from to collect this debt. The representative told me it doesnt matter because Im still going to pay them. I asked the representative did he have any proof of these charges and he stated no. This company is using illegal collection tactics and threatening to ruin my credit and force me to pay a debt that I do not owe. I request this company to provide me valid documentation of said charges and if they continue to refuse then I request this company to cease and desist all further collection activity. Do not contact me by phone and I request all documentation to mailed to as proof of effective communication. I do not owe them over {$4400.00} and I request this company to stop threatening to damage my credit. Provide valid proof of requested information or cease and desist all collection activity.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On  XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that  a 7 yr clock  starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.
Consumer complaint received 2020-05-09
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 (NV)

I opened a SECURED credit card with Capital One XX/XX/XXXX, 5 months ago I had to deposit {$400.00} out of my personal checking account and load it onto the card in order to open the account I received my card about two weeks later I tried to use the card and the account was already closed. they gave me no explanation on to why they closed the account. Immediately I was concerned on how I get my funds back that I had to deposit on the card. they told me I would receive a paper check of the funds mailed to the address I used to open the card in 1 to 2 billing cycles which wouldve been two months ( XX/XX/XXXX ) it is now going on 6 months ( XX/XX/XXXX ) And I still have no check I have called them multiple times and every time they tell me something different now theyre telling me theres nothing they can do about it because the account is sealed and locked and they cant get into it to see whats going on and this is coming from the fraud department! capital one is telling me they have no access to the account any longer so basically they cant do anything about sending me my {$400.00} back well that did not work for me for obvious reasons I asked to talk to the fraud supervisor. Well I got in touch with the fraud supervisor and they told me I had been given the wrong information that they dont send out paper checks and that I had to call my financial institution and dispute the XXXX $ eft transaction from capital one that was done XX/XX/XXXX to get my {$400.00} back I contacted my bank and they informed me That 90 days is the maximum time allowed on a EFT dispute. So I got back with Capital One fraud supervisor and let them know that my bank can not do that its been well over the 90 days that the banks allowed for eft dispute. After I informed him of this he put me on hold and now they are telling me I have to wait the full six months and then I should receive my check in the mail let me remind you that they had just told me that they dont send checks in the mail for closed secured credit card accounts and that I had to dispute it with my financial institution but since I told them that is not possible now theyre telling me I can get a check again??? I just have a feeling they are giving me the runaround and they have no intention on giving me my money back I have given them more than enough time to make things right and send me my funds back like I said It will be the six months in XXXX that I waited for my money that should have been sent to me according to Capital One in 1 to 2 months can someone please help me get my money back regards XXXX XXXX
Consumer complaint received 2020-05-15
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. (GA)

XXXX {$680.00} XXXX XXXX XXXX {$400.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education XXXX XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

Equifax is reporting three ( 3 ) delinquent accounts from XXXX XXXX As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per Equifax, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX  is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

InXX/XX/XXXX or XX/XX/XXXX I signed up for automatic payments for a Bank of America credit card that I had recently received. The bank defaulted to minimum monthly payment. I immediately changed the setting to pay the total balance due.

My XX/XX/XXXX statement ( due XX/XX/XXXX ) included an interest charge because the XX/XX/XXXX payment was for less than the total balance due.

Today (XX/XX/XXXX) I called up it took me at least 5 minutes to get to a person and 40 minutes to get to the correct agent. That agent told me that the full payment would not go into effect until XX/XX/XXXX. *** I strongly suspect that the bank intentionally delays when it will go into effect so that they can charge consumers extra interest. *** The agent could not change my payment over the phone, so she told me to log in again to pay the difference. The amount she recommended did not account for the credit that she was making to the interest ( she said it would be credited in " 1-2 days '' but recommended that I assume that it would not appear until after the XX/XX/XXXX due date. I insisted on subtracting that from the total so that I would not end up with a credit balance.

The agents I spoke with were friendly and helpful but the bank 's systems were either very poorly designed or were designed to cause consumers to give up in frustration and pay the bank unnecessary interest.
Consumer complaint received 2020-05-15
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. (LA)

I opened a dispute on XX/XX/XXXX about child support never was once paid since XXXX I submitted all my payments from the texas attorney genera ; website! the debt they reporting is XXXX but im including all my payments that get deducted out my paychecks and more!
Consumer complaint received 2020-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MD)

In XX/XX/2020 I learned that I.C System was reporting a debt of {$250.00} on my credit report. I immediately sent a certified letter to I.C Systems which was signed for by XXXX on XXXX XXXX of I.C Systems and the all 3 Credit Bureau 's requesting validation of debt per the Fair Debt Collection Practices Act. I.C System has not provided the validation and failed to send a response to my letter with the 30 day time frame per Fair Debt Collection Practices Act. XXXX & XXXX  have removed the erroneous information from my credit report however XXXX  has not and is stating their investigation has proven it be accurate information but is not providing the validation of debt either. At this point both companies are in violation of Fair Debt Collection Practices Act. I would greatly appreciate this matter being looked into as this negative information is adversely affecting my ability to obtain credit. 

XXXX XXXX Account # XXXX Ref # XXXX Appears on Credit Report as XXXX {$250.00} USPS Tracking #  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-15
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. (WA)

I have a mortgage loan with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.
Consumer complaint received 2019-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

I recently checked my credit report on XX/XX/2019, I seen an account that I don't recognize so I called the company XXXX XXXX XXXX and gave them my first and last name. The agent on the phone told me she don't see any accounts with my name. I began to explain to her that XXXX XXXX is showing up on my credit report. I demand that this company remove any and all accounts reporting to the credit bureaus ( i.e XXXX, XXXX, XXXX  ). This company is in volition of the Fair Credit Reporting Act.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Due to unwillingness to secure their databases properly, Equifax ( and more importantly the individuals whose personal data they keep ) fell victim to a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Information on some XXXX and up to 44 million XXXX residents was also compromised. The breach was originally discovered on XX/XX/XXXX although it was not publicly reported until XXXX XXXX, 2017. Equifax executives sold {$1.00} million of their personal holdings of company shares days after Equifax discovered the breach and more than a month before the breach was made public. I too fell victim to the attack and have had my personal data compromised. It is unacceptable and outrageous that a company in charge of protecting such vital information for millions of people could allow something like this to happen.
Consumer complaint received 2019-08-05
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 (IA)

Im have tried called calling capital one to find out if my personal information was affected by the security breach they experienced this year in XXXX and refuse to tell me anything
Consumer complaint received 2020-05-15
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: JPMORGAN CHASE & CO. (NY)

I have my daughter as authorized user on my credit card and she lost the credit card last year and didnt realize it. I use card slot myself and have auto pay to make sure it is always paid on time. I have been sick since last year I have very bad XXXX XXXX in and out if hospital so the subject of the lost card come up months later when I finally went online checking bill when I finally had strength after battling covid 19 virus. Chase refuses to accept the fraud claim because we didnt report ASAP. They first asked to send proof of my daughters where abouts when the charges took place so I sent them a copy of her ezy pass showing she was over 300 miles away or so from the dates of the charges took place and they told me not enough proof are you kidding. Then I took it upon myself filled out identify theft report., they didnt care after about 8 attempts they told me send in police report I did days later I got same generic letter refused claim. I will not have my right broken or XXXX liability with solid proof I had given that it was not her charges. And when I ask for a supervisor chases freaks out and saids you tend on sueing chase snd I reaping NO I want justice. Please help XXXX m XXXX
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

This letter is to request you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate items. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

A top story in the news today ( X/X/2017 ) is the massive data breach of borrower data collected and maintained against borrowers and potential borrowers. Equifax tracks my credit worthiness. I want to know whether my personal data was among that which was breached and whether CFPB is going to enforce my California Constitutional Right to Privacy, and how they intend to do it.