davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX regarding a debt that I did not believe belonged to me for XXXX. Despite my concerns, they advised me that the debt would not be removed from my credit report. 

Understanding the impact of this debt on my credit score, I negotiated with XXXX, asking if making a payment would result in its removal. A representative named XXXX XXXX assured me that upon payment, the debt would be completely removed from my credit report if i made a payment of {$1000.00}. 

To solidify this agreement, I received a letter from XXXX, dated XX/XX/XXXX, signed by XXXX XXXX, confirming that upon payment, they would request the removal of the debt from my credit report. 

On the same day, I made the payment as instructed by XXXX and received confirmation that the payment was processed. 

Following this, I verified my credit reports with all three major credit bureaus ( XXXX, XXXX, Equifax ). While XXXX and XXXX promptly removed the debt, I noticed that Equifax did not. 

In an attempt to rectify this, on XX/XX/XXXX, I sent a certified letter to Equifax detailing the situation and included the assurance letter from XXXX. 

Despite my efforts, on XX/XX/XXXX, I received notification that the investigation with Equifax was closed without further explanation. Upon contacting Equifax on XX/XX/XXXX for clarification, I was informed that the investigation was closed due to an alleged inability to validate my identity. 

Speaking with Equifax supervisor XXXX on the same day, I confirmed that my identity was indeed validated. However, despite this confirmation, Equifax informed me that they could not assist further and suggested contacting XXXX again. They stated XXXX comment was they updated the balance to {$0.00} even though they agreed in writing to remove it from my credit report. 

In conclusion, despite my diligent efforts and adherence to instructions, XXXX XXXX XXXX XXXX did not fulfill their promise to remove the debt from my Equifax report & equifax has not aided me even with all the documents i sent. This unresolved issue has had a significant impact on my credit report and financial well-being. 

Thank you for your attention to this matter
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I received a message on XXXX from XXXX XXXX, XXXX Staffing ( P : XXXX / XXXX : XXXX ) about a part-time opportunity and if I had an interest to submit my application via the link that she provided which opened up to an application via XXXX XXXX and had a contact number of XXXX XXXX XXXX XXXX. I signed up after reviewing the XXXX XXXX opportunity and I sent her a reply letting her know and thanking her. On XX/XX/XXXX I received an acceptance response to my application from XXXX XXXX, Recuiting Dept|Mystery Shopping at XXXX ( XXXX ). I accepted the employment opportunity on XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX notified me of my first survey assignment and said a check would be coming to me and provided instructions. I completed the survey assignment and sent in the feedback form and purchased the gifts cards from XXXX for what I believed would be for a XXXX XXXX XXXX project. I sent him proof of purchase of the gift cards as he requested. The next day after he informed me of my proper management of the assignment he send he a request to get a {$10.00} bank cashiers check that I should make payable to myself and send him a copy of the check. I found that strange and so I did some additional digging around to see if my suspicion was correct. I sent emails via XXXX XXXX to employees at XXXX XXXX and I went on XXXX XXXX website and submitted an inquiry. I received a reply message from XXXX XXXX, Senior Sales Consutant ( P : XXXX ) at XXXX XXXX letting me know that I had been defrauded. XXXX looped in XXXX XXXX, XXXX Lead at XXXX XXXX and she contacted me to let me know what has been going on and that the number of incidents have dramatically increased in the past month. The bank was closed for XXXX XXXX so I had to wait until the next morning to go into a branch. I alerted my bank, CapitalOne, first thing in the morning. The had not flagged the check. They locked my accounts and my mothers accounts because my name is on her accounts. I am doing everything I can do to move this investigation along and the bank is not being responsive. I have not even spoken to the investigator as yet The bank wants to hold me liable and end my banking relationship without having investigated and review all the documents I have provided, also attached. I don't have the means to shoulder this lost. My account clearly shows that. I had this account for almost 20 years. I have been to the police station 3 times at the various directions of the bank security agents that I have spoken with, I made calls to the company that is being used in this fraud, I have filed a case with the FTC and XXXX XXXX XXXX, I have reached out to XXXX XXXX and submitted a case so that they can start an investigation. I am doing everything I can. I need your help, please. I feel as though I am being victimized twice.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE LATE PAYMENTS BEING FURNISHED TO MY CREDIT REPORT. I HAVE NEVER BEEN LATE WITH THIS CREDITOR. 

I REQUESTED CONCRETE EVIDENCE OF THESE LATE PAYMENTS, WITH NO FORMAL RESPONSE. THESE LATE PAYMENTS ARE UNVERIFIABLE. FURNISHING THESE INACCURATE PAYMENTS ARE AFFECTING MY ABILITY TO OBTAIN CREDIT. LATE PAYMENTS ARE BEING FURNISHED DUE TO COMPUTATION, AND THE CREDITOR FAILING TO PROVIDE A STATEMENT 21 DAYS PRIOR TO THE DATE. NOT CORRECTING THIS IS IN VIOLATION OF 15 USC 1666B I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO FCRA, INFORMATION PERTAINING TO TRANSACTIONS AND CUSTOMER EXPERIENCES ARE TO BE EXCLUDED FROM THE CONSUMER REPORT. REPORTING THIS INFORMATION IS IN VIOLATION OF 15 USC 1681S-3 LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

Fraudulent Inquiries are on my credit report. This is due to identity theft I believe. 

I have already created case at Equifax which is # XXXX for below 5 inquiries. 

XXXX XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX - XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX also, there is wrongful Collection account being reported. 
XXXX XXXX XXXX ( XXXX XXXX ) ACCT # XXXX opened on XX/XX/XXXX for {$130.00} Bal.. I don't know of this issue either. 

I am attaching FTC Report, ID, SSN, and utility bill to show current address
Consumer complaint received 2023-08-25
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$6400.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$3900.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$970.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$7400.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$1100.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$570.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBATAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-04-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (VA)

I called to One Main Financial today cause on the letter I just noticed that there is a note " YOU BOUGHT OPTIONAL PRODUCTS THAT CAN BE CANCELED FOR A REFUND, you may cancel ... ... ... .. by calling ( XXXX ) XXXX ''. I called in the morning and the assistant told me that the balance ( principal + interest ) was {$1100.00} and my payoff balance as of today was {$740.00}. Since my husband and I are together in the loan and we needed to cancel together we have to call back together in the afternoon. The rep XXXX, explain that we have around {$420.00} refund and this balance will be applied to the balance ( balance+principal ) and it can not be applied to the payoff balance. Asked him what is the pay off balance as of today and he sd {$740.00}, but he refused to apply the refund to the pay off balance so we can pay the remaining and pay off today. Also, he wanted to extend the loan for one more year until XXXX and we can pay {$85.00} starting our next payment on XX/XX/2024. I had to insist that we don't want to change the regular payment so we can complete to pay this loan on XXXX. He also refused to send a check for the refund.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC (VA)

On XX/XX/XXXX I received a Garnishment Summons in the mail from XXXX XXXX XXXX for XXXX, issued on XX/XX/XXXX. I immediatly contacted the Law office, Levy Law Firm Co, XXXX, listed on the summons, to get someone who answered the phone, pulled up the account, then proceeded to transfer me to someone who did not answer the phone. This went on for 4 ( four ) hours. The lady I spoke with, did mention that this was for a XXXX XXXX XXXX  credit card, which I have not had an account with XXXX XXXX XXXX  in over 16 years. 

I contacted XXXX XXXX XXXX, and when asked for information, directed me to call XXXX XXXX, as the only account they have listed under my information shows to have been closed back in XXXX. 

I contacted XXXX XXXX, and explained that a garnishment has been taken out against me for a debt that I have never been contacted on, and have no knowledge of. The lady from XXXX XXXX  proceeded to pull up the information and then stated that they could not talk to me as the account was transferred the Levy Law. I explained that I have been attempting to contact Levy Law for 4 ( four ) hours at this point with no one answering. The lady from XXXX dismissed me and stated that she could email a person in the office and they would call me back within the next week. I asked for a supervisor at this point. 

Once the Supervisor was placed on the phone, I let her know that I was recording the phone call, and I explained once again, that a garnishment summons was issued to me, there is no record of any collection being placed on my credit report, and I would not have been able to purchase the home I purchased back in XXXX of XXXX. I explained once again that I could not get anyone at Levy Law to answer when calling for the past 5 ( five ) hours at this point. She stated she would pull up some of the account information that they have, and immediatly told me that the account that they are garnishing me for is from XXXX. 

Virginia State Law has a statute of limitations on unsecured credit card debt of 5 years. Additionally, in order to get a garnishment in the State of Virginia, there must be a Judgement issued for the debt. The debt that they are attempting to collect on is 16 years old, was paid off back in XXXX, and additionally, no judgement had ever been issued for this debt.
Consumer complaint received 2023-04-20
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXXXXXX XXXX XXXX Balance {$1500.00}.
Consumer complaint received 2018-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

This mortgage servicer will just quickly respond by letter to appease CFPB, add their number and never actually follow up. I have contacted XXXX XXXX, left a message via email as well as phone to no avail. I am responding to a request for XXXX and XXXX payments totalling {$2500.00}. Please note ; XXXX tracking # XXXX for {$1200.00} XXXX tracking # XXXX for {$1200.00}.
Consumer complaint received 2023-02-13
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: DISCOVER BANK (OK)

In the summer of 2022 a dispute arose from fraudulent transactions on the account in which Discover had temporarily reversed. Discover also sent out a new card and there has been no issues of fraud since that time. On XX/XX/XXXX, I received a call from a Discover fraud investigator, asking a series of leading questions, lying in some circumstances and indicating what she was going to do. She was also trying to get me to admit that I myself actually made the purchases that had been claimed as fraud. I refused to admit such an absurdity. Furthermore, the next day, Discover had charged back the following transactions to my 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 I called Discover yet again, the Fraud Protection Unit then sent me out an Discover Affidavit to fill out and send back to them. I did so and they now refuse to honor their own affidavit they send out to their customer as the police refuse to investigate such a case.

Lastly, Discover has been very rude and aggressive on the phone, not helpful, and not willing to resolve the issue amicably. The result of the these chargebacks has put my account over the limit as well. I have continued to make the minimum monthly payment until I can get this issue resolved. Discover has refused to make any adjustments and blamed me for the charges. I do not have a copy of the affidavit as it was an original affidavit with the Discover letterhead on it. Discover has indicated to me that they in fact have received such document from me. ...
Consumer complaint received 2023-02-13
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I made a purchase through the retail website XXXX. It was a ring for my wife. I purchased it using my Apple Card. When I received the ring, a diamond was missing. I contacted the retailer ( in XXXX ) who said they would repair it. After a brief exchange back and forth with the retailer, I was told they would send a shipping label so that the ring could be shipped back and fixed. The retailer stopped communicating with me at this point. 

In XXXX of XXXX I initiated a dispute with Apple Card to have the {$740.00} refunded noting the retailer sent me broken merchandise, agreed to repair/replace it, and then stopped communicating. 

After a few frustrating interactions with Apple Card " customer support '', I paid my balance off in full of XX/XX/XXXX and closed my account. 

I have also had to re-dispute this transaction approximately eight times because Apple Card keeps finding the dispute in the retailer 's favor citing that I have not provided enough information for them to substantiate my claim. 

At the request of Apple card, I have sent the communication between the retailer and I as well as pictures of the damaged ring. I have sent this information in four times at the request of Apple Card because they said they can't see it in their records even though it shows that I sent something in. I have spoken to 12 different people, several supervisors who, at the time of the call, reassured me that it makes sense that the dispute would be in my favor and that I have provided more than enough evidence.

When I asked to speak with the person in charge of my dispute resolution I have been told they are not available.

I worked very hard to give Apple Card the information they requested half a dozen times and was reassured by managers that the information was received as well as should be more than sufficient to substantiate the dispute. I have no way of contacting anyone out side of their customer service phone number and can't get a response to the " findings '' that I receive via email when I try to communicate that way.
Consumer complaint received 2023-02-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-04-01
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. (KS)

XXXX is in violation of the following USC codes : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Equifax and XXXX is in violation of the following USC code ; 15 U.S. Code 1681 - Congressional findings and statement of purpose
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I Capitalone closed my credit cards i paid in full two of my credit card my 3rd credit card was settle on XX/XX/2023. however capital one is still reporting my account as charge off both internally and externally on their system, if capital one was not going to update the account as paid in settlement they should have to told me and i would have paid off, i have been a capital one client for a very long time i had checking accounts credit cards and auto loans which i had pay in full, Capital One Credit Card is telling me that they do not communicate with Capital One Recovery Dept. and Capital One Recovery Dept is telling me that they do not communicate with Capital One Credit Cards. Please help the account ends in XXXX