davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I have recently been a victim of identity theft and am trying to reach Experian and after interacting with their website today, i know there is fraud activity with the user name Experian has for me and my SSN. But when trying to reach a human to talk to, their system will Not allow me to speak to an actual customer service Human. After numerous attempts to call the number THEIR SITE is telling me to call, their IVR system will NOT allow me to reach a Human. How can a credit bureau company not allow me to contact a human. 

When trying to reset my password, it wants to send an email to an incorrect email. Somehow the thief has stolen my information on Experian 's site and must be sending the thief the password reset link to an email address not controlled by me. 

I then attempted to sign up for their membership, agreeing to PAY their fee. Using new user name and password to sign up for the membership, it tells me i'm using the wrong info and shows me a page with a phone number to call ... But when i call.. same thing- IVR system gives me no option to speak to a human. It's very frustrating when a credit bureau company, charged to protect my PII does not have Humans who i can communicate with. 

You, as the CFPB - please assist me and get this changed for future consumers. Also if you have a phone number i can reach a human, please email it to me at XXXX.
Consumer complaint received 2022-12-31
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. (FL)

Hello CFPB Team my credit score report is showing a lot of incorrect information such as incorrect payments credit card balance when the acount is been payoff in full, debt collections, incorrect payment history, late payment, credit balance and no credit score improvements for the last 4 months. 

Thank you very much and i look forward for a possible solutions about this issues.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: OPORTUN FINANCIAL CORPORATION (CA)

On XX/XX/2020 l made contact with Oportun to make a affordable payments arrangements on my loan. 
I explained Oportun rep over the phone that l have a XXXX XXXX XXXX and requesting a payment of {$70.00} @ month affordable payments until loan is paid in full. 
The interest rate on loan is over 24 %. 
I am respectfully XXXX Lifetime, and Retired and a US XXXX XXXX XXXX. 

Oportun stated that l was going to be place on collection and reporting derogatory remarks on my XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX credit reports. 

Oportun wants to put me in collection of {$4600.00}
Consumer complaint received 2024-02-24
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: Experian Information Solutions Inc. (MS)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2020-03-31
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. (AR)

I applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$1000.00} DPT ED/NAVI XXXX {$1700.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$2500.00} DPT ED/XXXX XXXX {$4200.00} DPT ED/XXXX XXXX {$1900.00} DPT ED/XXXX XXXX {$12000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX   XXXX {$420.00} DPT ED/XXXX XXXX {$21000.00}
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I have two credit cards with Capitol One. 
I have a membership with XXXX XXXX XXXX. 
During the last 60 days XXXX XXXX applied two charges to my credit card. 
Capitol One called this fraud. I disagreed, by acquiesced. 
Capitol One shut down the card and sent me a new one. 

XXXX XXXX began billing the other card. 
Again the second charge was billed to my account. 
When I tried to correct this redundant charge with Capitol One-two representatives hung up on me and I was disconnected by the system once. I started calling Capitol One at XXXX on XX/XX/20 it is now XXXX. 

The charge by XXXX does not fall under the legal definition of fraud. It is company ineptitude. Capitol One will not help me resolve the situation.
Consumer complaint received 2022-12-31
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NV)

I have a XXXX  Travel Card through Citibank, and I had a {$6.00} balance on the card, due XX/XX/2020. I attempted to pay it XX/XX/2020, and per the Citi website it posted XX/XX/2020, but returned XX/XX/2020, with no reason given as to why. I attempted once more on XX/XX/2020, this time trying to make the minimum payment of {$6.00}, and it posted XX/XX/2020, but returned XX/XX/2020, again with no reason. I was issued a late payment charge of {$29.00} on XX/XX/2020 as well. I called in to their line, and they informed me that an account number was incorrect somewhere, and transferred me to their collections department, who then said that I was at fault and I shouldn't have trusted their system when it informed me that the payment had been made.
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

To Whom it may concern, We own a home in the XXXX XXXX XXXX in XXXX MO. Wells Fargo has our loan. Last year they jacked our mortgage payment from XXXX to XXXX a month. 
We are in the middle of dealing with Covid 19. My husband started a XXXX XXXX business about 7-8 months ago. It's extremely small and we've been struggling since XXXX to get steady work. Now hardly any work is coming in from outside customers for fear of contamination. 

Today, XX/XX/2020. Wells Fargo sent another letter stating that they were raising our mortgage again from XXXX to XXXX by next month if we don't pay X amount of dollars. 
We are outraged at the indecency of this company ( a XXXX  dollar bank ) for coming at us for more money at a time like this. We are barely making it right now with all the panic and fear running rampid. 
We tried to refinances a few months ago but our business has to be in operation for 2 years before we can. 
It feels so cruel and heartless. 

Can you help us? Can you speak on ours and I'm sure others behalf to not raise mortgage on their customers during this time in our nation? 

Please and thank you. 
Sincerely, XXXX XXXX.
Consumer complaint received 2020-03-31
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. (IA)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX US DEPT OF EDXXXX US DEPT. OF EDUCATIO XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX US DEPT OF EDXXXX US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX US DEPT OF EDXXXX US DEPT. OF EDUCATIO
Consumer complaint received 2022-08-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (TX)

I had repeatedly contact Home Depot in reference to inaccuracies found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. Home Depot then placed the account Into collection and sold the debt to an outside company without my knowledge. the Collection company XXXX XXXX I, XXXX never attempted to contact me or attempted any type of communication in order too come to an agreement in settling the debt. Now XXXX is suing me and placed me in court proceedings, How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that XXXX  has violated several federal credit laws in order to keep on not just harassing me but in an attempt to collect illegally funds that do not belong to them. On or about XX/XX/2022, I made contact with XXXX and they refused to provide any information in reference to the inaccuracies on the account. they persisted on verifying the account when in fact they automatically knew my biographical data. as you can see they alleged to have purchased the account yet they have failed to provide the following : 1. Copy of the original contract with my signature of the debt, 2. Full payment history from the original debtor in this case Home Depot 3. Name and address of the Original debtor 4. Proof that they own or have been assigned the debt to collect. Also I think the account is more than 4 years old? My credit report does not show any type of debt of the account in question? this is why I'm asking for your assistance to resolve this matter.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX XXXX XXXX  used capital one app to make a payment from my bank account. I havent used there credit cards for a few years. So last year I got a credit from capital one and downloaded there app Ive made over a dozen payments on there app. When making a payment on above date it billed 3 times on different banks that I didnt add. The other 2 bank accounts were added by the app and were old bank accounts. On XX/XX/XXXX called capital one customer service and they removed the 2 wrong payments well so we thought. Only one was removed 2 had to go through a was deleted leaving the correct payment and was paid by my bank.on XX/XX/XXXX called again after an hour or more waiting on the phone and yes there that back up I understand how crazy everything is but to be sent to a customer service supervisor from a fraud representative I was unaware that she put a 7 day hold on the payment so here we are XX/XX/XXXX cant get help the representative are so backed up that I understand but there customer service supervisor being so upset put that 7 day hold on my payment. Everyone is trying to get by now. Every dollar is important just getting by. What she did was to punish hurt because of her work involvement.please help
Consumer complaint received 2020-03-31
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. (CA)

XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AZ)

Letter Sent to my Mom 's Address, not MY address from JEFFERSON CAPITAL SERVICES LLC. stating I owe XXXX XXXX XXXX, which I have no Idea where this debt is coming from in the amount of {$1000.00}. I attempted to call the company JEFFERSON CAPITAL SERVICES they stated they are a debt collector asked me to verify address, however, since the letter was sent to wrong address I don't trust they have the correct person. I asked to verify debt with original copy of contract, they stated they need to verify account. I refuse to release any personal information to this creditor as they can not validate debt. This creditor JEFFERSON CAPITAL does not appear on my credit report and is in violation.