davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have recently identified inaccurate account that are being reported on my credit report. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home and these are severely hurting my loan options. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List account name and date List account name and date You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2019-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION (MO)

I received a loan for XXXX and I made two payments then went through a pay decrease due to weather and unable to work ... I started getting calls stating it was the courts trying to collect a debt and I was gon na be charged with fraud if I refuse to make a payment repeatedly I called check and go and was then was I can make any payment to try to clear up debt but I fell ill and lost my job and Im unable to make payment now theyre just calling and hanging up and now with interest they're saying I owe XXXX dollars
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: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/XXXX, we requested a refund from Capital One for an extra payment ( {$1200.00} ) we submitted two days prior on XX/XX/XXXX. On XX/XX/XXXX, Capital One added a payment adjustment to our credit card transaction history, it shows up as PAYMENT ADJUSTMENT in the transaction history. But, this refund was never sent, in fact it was cancelled. However, The PAYMENT ADJUSTMENT still shows on our account on XX/XX/XXXX, so our account balance is {$1200.00} higher than it should be. In the past month and a half we have spent nearly 17 hours on the phone with Capital One trying to work through this and ultimately get our money back. We have been told multiple times by different reps that Capital One does owe us money. We even did a three way call with a Capital One rep and a XXXX XXXX  rep ( the bank that we make payments from ), and the XXXX XXXX  rep confirmed that we were missing a refund. We have opened price investigations, asked Capital One reps to call us back with updates, asked them to email us, but we never get anything. All price investigations ( three total ) have been closed without any action by Capital One. The Capital One reps have never once called us back, and have never once emailed us back. We have to constantly call back in to get an update.
Consumer complaint received 2019-10-08
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. (NC)

I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # XXXX
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one spark XXXX I called in and closed this account in XX/XX/2019. I made a XXXX dollar payment and advise the customer service rep that I wanted the account closed after discussing my previous experience with capital one I have decided to not deal with the company because of their tactics and they did not protect my information privacy act. They are calling my phone from XXXX XXXX  till XXXX XXXX  on an account I have closed that is still showing open and charging me Intrest rates monthly. I want this account closed as I have asked them to do. This another tactic they are using to make my bill higher. I want the account closed as of XX/XX/2019 card last 4 numbers XXXX.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My employer is : XXXX XXXXXXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2019-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2019, I had a balance in my wells Fargo account of almost {$140.00}. I made a purchase of XXXX dollars and one of XXXX dollars. I have mobile banking, so I always make sure I my transactions online. When I had checked these transactions, although pending the funds had been withdrawn from my balance making it less and letting me know how much I had to spend or how much was available. Although the back tried to explain the process of pending to me which I understand, the funds are still withdrawn from the original balance. I had one of the companies try to refund a purchase and re-submit the correct amount. I went to the bank and explained the mistake and the fees I was charged,. The Banker XXXX told me he was going to refund the fees and didn't even though it was not my fault. The only fee I should have been charged for was for a Withdrawal for XXXX. I am disputing this because I feel is another way wells Fargo is deceiving consumers.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

I requested a copy of my credit report from Experian after having a long process trying to get my credit unfrozen. They finally unfroze the report and immediately dropped my credit report # severely. I requested a free credit report from them and instead was referred to their self-service dispute website which permanently says " due to technical problems '' it can not be used. 

I believe the information being used to report my credit score by Experian is wildly inaccurate and incomplete. Their score is 80 points below that of the other two agencies. 
Essentially, Experian is refusing to provide my credit report. 

I need a copy of my Experian credit report immediately so that I can take action against them. 

I will wait 1 week from the date of this complaint to have in my possession a complete Experian credit report. Failing that, I will seek counsel in this matter.
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Automatic Data Processing, Inc. (GA)

I COMPLAINED to Adp. XXXX  NXXXX & XXXX XXXX TODAY ABOUT TAXES DEDUCTIONS.  THEY REFUSE TO HONOR WHAT I REQUESTED ON W2. THEY CAN CARELESS  XXXX XXXX XXXX. PLEASE HAVE SOMEONE TO LOOK INTO THIS.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/ My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My employer is : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section XXXX of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2019-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is against the Law. I cant Understand how Companies our Allowing people to use improper Documents to open these Accounts using someone information. I never Authorize anyone to use my informationall of these Account are fraud. please remove from my credit
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

Caine Weiner is reporting inaccurate information on my XXXX XXXX Consumer Report. Ive reached out to them several times asking them to validate their alleged debt. They claim they have sent me several responses which is not true. They have send me verbiage one time which is a copy of a bill which proves nothing. I asked them to send me an agreement bearing my signature showing terms that I took on this alleged debt. A copy of a bill is not that. I sent them a letter in XXXX letting them know their option and the options I will take if this is not rectified. Caine & Weiner recently responded to the CFPB with this information below. 

Our office received an account from the creditor XXXX XXXX with respect to this consumer in XX/XX/XXXX for recovery of unpaid auto insurance premiums. Please note the balance due was not owed to Caine & Weiner. We were unable to reach the consumer by phone. Our records indicate that the creditor still shows the balance as due by the consumer. In XX/XX/XXXX in response to a credit bureau dispute our office mailed the consumer correspondence detailing the policy number, vehicle types and coverage dates specific to this account for review. The policy was cancelled in XX/XX/XXXX. Creditor records indicate coverage was provided for multiple vehicles including a XXXX XXXX XXXX and a XXXX XXXX XXXX on a policy ending in XXXX and that a payment made in XX/XX/XXXX was insufficient to cover the premium balance due at the time of cancellation of the policy. In XX/XX/XXXX and again in XX/XX/XXXX our office mailed the consumer a copy of the final bill sent by the creditor to the consumer at the time of cancellation of the policy. Our files shows closed under a disputed status. We do not show any active credit bureau reporting on this account. We encourage the consumer to contact our office at XXXX XXXX for additional assistance. 

Im uploading 1 page of my XXXX XXXX credit report showing Caine & Weiner actively reporting to XXXX XXXX along with the letter I sent certified mail to Caine & Weiner. 

WHERE IS MY PROPER VALIDATION?
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the reporting of a charge-off account on my credit report that I believe contains multiple inaccuracies. The account in question is associated with XXXX XXXX XXXX, and here are the details please delete this account
Consumer complaint received 2019-12-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
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 ) -- ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

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

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (AR)

XXXX XXXX XXXX advertised about getting a full head with no XXXX, you can swim, sweat whatever it will never come off, so I went in for a free consultation spoke to manager XXXX he explained I would get 3 hair units and 1 yr of service for washing, styling, cutting and products included for {$4700.00} and they didnt take XXXX XXXX card but I could finance it on their credit card so I was approved from Comenity Capital BankXXXX XXXX $ XXXX XXXX said my card would come in the mail and he measured my head and ordered the hair and stating it will be back in 6 to 8weeks, and got an appointment to come back after 8 weeks to get hair put on and styled then the service started from that first appointment I waited 3 months for a card I never received, I called Comenity they first said it was in the mail after months of waiting they said I had no card I had a line of credit ... so in the mean while every 3cto 4 weeks I go in to hair club for wash and style ... Towards the end of the year I asked for my other 2 units and was told I wouldnt receive any more units I had used them when I changed hair styles but that was never explained to me during the treatments, I thought they were using the same 1 unit and restyling, washing and cutting, the stylist nor XXXX ever said to me a style counts as a unit during the 1yr service .... then I asked for a manager because this was never explained to me until towards the end ... .another manager XXXX came out to speak to me and my daughter, she said she would try to make it right as best as she could, she contacted upper management and got back to me 1wk to 2 wks later and said she would order me 1 new unit and repair the one I was wearing to make up for the misunderstanding but it would take 6-8 weeks to get the new hair, at the end of the 8 weeks I called XXXX and was told XXXX no longer worked there, I asked for XXXX , he refused to talk to me so I contacted an attorney who wrote XXXX  and they refused to answer the attorney back. I contacted comenity capital bank/XXXX XXXX to start a dispute a dispute the beginning of 2019 and the end result was they sided with XXXX. I feel like the public needs to know that XXXX is doing a sort of bait and switch they tell you all good things in the free consultation but switch up after you take a line of credit thats why they do not take other credit cards because outside credit card companies we stand up for the consumer and make them honor the verbal contract but Comenity Capital BankXXXX XXXX will not.
Consumer complaint received 2019-12-07
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. (NC)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$1000.00} XXXX   XXXX Card  ACCT : XXXX AMT : {$160.00} XXXX ACCT : XXXX AMT : {$860.00} XXXX  XXXX  Credit Card ACCT : XXXX AMT : {$1600.00} XXXX  XXXX Credit Card ACCT : XXXX AMT : {$1600.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 , XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX Dealer Services XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2019
Consumer complaint received 2019-12-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Accounts Service Team Inc. (TN)

Debt collection agency called Financial Services has been contacting my boyfriend about my debt instead of calling my phone number.  They've given him information about me such as the doctor the bill is for and the amount I owe.

I also tried to contact them to resolve the debt by offering to make monthly payments via autodraft from my checking account and they refused the payment, saying it was not enough per month.