davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-15
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. (CA)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX, and XXXX is reporting a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that is it impossible to be late in paying on an account that has a {$0.00} balance and since the account has a {$0.00} balance there is nothing to collect and/or charge-off. This false reporting of lates/collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-05-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (NC)

Got laid off my job and the insurance would not cover the loan ..due to the fax having issue with unemployment moving from ny to Nc state a whole lot of red tapetried call on i bank for Assistance no help a bunch of run around.
Consumer complaint received 2020-01-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

XXXX XXXX fraud resulted into a hard inquiry on my Equifax report. I disputed the fraud with XXXX and they have cancelled the account. 

I went to Equifax 's website to submit a dispute for the hard inquiry. When submitting a dispute for the hard inquiry, it does not allow attachment of documents ( skips from Step 1 to Step 3 when you click proceed ). The inquiry is then automatically rejected because no  documents have been attached to the online dispute. No effort is made to contact the original company who made the inquiry or the consumer who submitted the complaint. 

Additionally, when the dispute is rejected, users are provided with a Customer Service Number to contact ( XXXX ). This number is an automated system for ordering credit reports and does not allow the user to reach a customer service representative. 

While documents can be submitted online for disputes, documents for a hard inquiry can not be submitted via methods other than mail or fax. 

I view the combination of these items above as Unfair, Deceptive, and Abusive act towards it's customers.
Consumer complaint received 2020-03-09
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. (WI)

In XXXX I was a XXXX XXXX  student and XXXX XXXX XXXX XXXX ran a branch in the lunchroom of my school. They lured me into applying for this credit card, which is still haunting me TWELVE years later. Not too long after I obtained the credit card, in mid XXXX, I hit hard times and was unable to make my payments. XXXX XXXX XXXX XXXX charged off my account and also entered a judgment against me in XX/XX/XXXX. I paid the judgment in full in XXXX with my tax refund. They do show that on my credit report as the last payment on XX/XX/XXXX. They also show the account as " paid and closed. '' Yet, in XXXX & XXXX they have the account reported as charged off. This is inaccurate as it was paid in XXXX and first became delinquent in XXXX. Per XXXX, a chargeoff should only remain on the credit report for 7 years after the first missed payment, which was in XXXX and it is now XXXX. I do not have a copy, but I sent them a certified check from my credit union, XXXX XXXX for {$460.00}. I have reached out to them many times about this account and they NEVER respond. I have also disputed this account through the credit bureau in XXXX and I thought the inaccurate and negative information was removed. But I checked my credit report today and here it is again.
Consumer complaint received 2020-01-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2022-11-12
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. (LA)

The list below was payment settled in full as of XX/XX/2022, I have disputed the balance with Equifax Credit Report. They have not update the information. I have attached the settlement letter. 
account : XXXX XXXX XXXX
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Good afternoon, I am writing this to express my disappointment in Capital One Bank. I have been banking with your institution for quite some time, and hoped that it would continue. However due to a recent occurrence, it is unclear if this will be possible. I receive direct deposits to this account, and also have many automatic withdrawals set up, and it would be a great inconvenience if I feel the need to switch banking institutions. 

In XX/XX/XXXX, I purchased an item from a company called XXXX XXXX  XXXX. The item was delivered after it was needed so I no longer had use for the item. I contacted the company directly, for return/refund information. I was given the return address and I overnighted the item back to the company via XXXX  XXXX. The package was successfully delivered, and signed for the next morning. 

After multiple days, I had not received any communications nor a refund from the company. I reached out to the company in the same manner as before, with no prevail. The company failed to respond to any of my messages. I still have not been able to reach the company, still. 

I filed a claim with Capital One, after not receiving a refund for the item. Capital One provided a credit for the amount of {$530.00} to my account. To my surprise, on Thursday, XX/XX/XXXX, I received an email stating that the claim was denied, and the amount of {$530.00} would be taken from my account. I called the claims department immediately for information and they stated that the company told them that they have a No Refund Policy. I explained to the representative that I have communications from the company stating that I could return the item for a full refund, along with the return address. I also expressed my concern with them saying the company simply told them they have a No Refund Policy. If a company is a scam business, or operates unethically, this would be the obvious answer to the bank. Furthermore, the website does not indicate said policy. The representative asked for me to email the communications with the company, along with proof of delivery. I did just that, only to receive a response email stating that there is basically nothing you can do. 

Not only do I find the As previously communicated verbiage to be rude, but also unprofessional. I am extremely disappointed in the investigation, or lack thereof. I have provided proof and receipts that I was promised a refund that I never received. I do not have the item, and am now being told I am out of {$530.00}. I am a young woman, who relies on her funds to survive, and losing out on this amount of money disrupts my life and financial obligations. I am sincerely asking for your reconsideration in this matter. Please look at the proof and receipts provided. The company has failed to respond to me so I have no way of getting in contact with them. It is my deepest hope that this matter will be resolved. Thank you for your time, and hopefully your considerations.
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was recently the victim of a XXXX payment scam through my account at Bank of America and {$3400.00} was withdrawn from account using both XXXX and XXXX. I received an email spoofing XXXX about a recent purchase that I hadn't made. After calling the number on the email, and going through what seemed like normal security checks, " XXXX XXXX '', instructed me to download XXXX  app so they could assist in stopping the " hack on my phone '' and they prompted me to open my Bank of America and then the XXXX app. That's when money was being withdrawn and they were bouncing me back and forth between XXXX, XXXX and Bank of America accounts and honestly they got my head spinning. When I realized I was being scammed I tried to close apps but wasn't able to so I turned off my phone. I immediately called Bank of America and filed a fraud complaint. They just denied my complaint but stated that they would try to get my money back as a " courtesy ''. I have emails, texts and voicemail messages from the scammers that I'm more than happy to forward and discuss. 

I'm looking for help in getting my money back but also want people to know that Bank of America has done nothing to warn their customers about a very specific on going scam affecting their customers using their XXXX app.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One wrongly did a derogatory mark on my credit knowing that the case # XXXX and # XXXX on cfpb was in my favor. According with the last statement I did not have to pay what they were wrongly charging me but also they gave me MONETARY RELIEF AMOUNT of {$320.00}. Even with those cases was in my favor Capital One still decided go ahead and charging me anyways and on top of that they put a derogatory mark on my credit.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IA)

Account status reporting as closed whith payment status of paid as agreed by XXXX XXXX, XXXX reports current while XXXX is reporting charge off the date last report it is in accurate XXXX XXXX and XXXX reporting as XX/XX/XXXX while XXXX reports XX/XX/XXXX. Date last active reports at XX/XX/XXXX by both XXXX  and XXXX XXXX while XXXX is reporting XX/XX/XXXX. 
payment history is reporting consecutive charge off by XXXX there is no way that all three accounts can be right if information is coming from the same furniture data for that reason I demand that you delete immediately as account on credit report is reporting incorrectly.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

I opened the XXXX XXXX XXXX- with Comenity Bank. 
As part of the offer- you are supposed to receive 4 % cash back on your purchases to be redeemed only at XXXX. 
The rewards only last a certain amount of time. 
I had XXXX $ that was supposed to expire on XX/XX/2022. However when I tried to redeem my rewards on XX/XX/2022 - my balance was XXXX XXXX 
The bank had technical issues that week/weekend was the reason I was told. I have been calling and emailing for over 4 months to try to get this issue resolved. Many times I have had my calls disconnected. 
This is the worst Credit Card Company/Store Card - it is unfortunately a poor reflection on XXXX as they are chosen to use them and do not offer any customer support to solve the problems caused with their Companys chose CC Banking establishment .
Consumer complaint received 2023-12-31
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. (IL)

Pursuant to FCRA, XXXX credit bureau must furnish true and accurate information reported on the consumer. XXXX is required to obtain the original contract with the consumer 's wet signature to furnish a report on the consumer. XXXX XXXX XXXX has been reporting delinquent account information on to my credit report to harm my reputation and credit worthiness. I have never had any relationship with XXXX XXXX XXXX. I have disputed this account with XXXX more than once and XXXX has refused to validate the debt. Subsequently, the incorrect account has remained on my credit report. 

XXXX XXXX XXXX has sent written documentation confirming that an unlawful purchase in violation of the Privacy Act of 1974 took place of my personal identifiable information. XXXX XXXX XXXX is a third party, not a party affiliated with any agreement with XXXX XXXX, who is engaging in unlawful debt collection practices to harass consumers in to making payments towards fraudulent contracts. 

XXXX XXXX XXXX has provided documentation stating that the collection attempts are for a contract XXXX XXXX XXXX is not a party to. Failure to provide a written contract between XXXX XXXX XXXX and XXXX XXXX make the fraudulent relationship void ab initio. 

XXXX XXXX XXXX has kept record of my personal identifiable information without my consent. 

XXXX XXXX XXXX has made an unlawful purchase of my personal identifiable information with XXXXXXXX XXXX to engage in unfair and abusive debt collection practices. 

XXXX XXXX XXXX has furnished false reports to at least 3 credit bureaus, including XXXX, XXXX, and Equifax, to harm the reputation of consumer XXXX XXXX without lawful proof of any debt obligation. 

All bureaus have willfully neglected their federal obligation to validate each debt before furnishing a report on the consumer.
Consumer complaint received 2022-11-12
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)

I was Dispute Credit card XXXX XXXX XXXX XXXX XXXX  maybe more than 4 time with XXXX and I was contact to creditor more than 3 time and explained to the This credit card open fraud and some one used my Identity fraud, I am victims on that and unfortunately today this collection goes to transaction and Equifax and heart my credit please help me to explain them this account open fraudlly and I am victims on this credit and I am not knowledge about who used my identity
Consumer complaint received 2022-11-12
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have been a victim of Equifax data breach and my identity was stolen. I have reached out to the three credit bureaus to have this information removed but I keep getting a denial so I am asking for helping this. I have asked them to verify that the accounts belong to me. They have yet to furnish that they write back and say the consumer disagrees thats not verifying payments, or if the account is mine, because a consumer disagrees..
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have a negative account from XXXX XXXX XXXX on my credit report, however I've never had an account with this company. The last name on the account isn't even correct and spelled wrong. Customer service has been horrible and has given me no information nor help on resolving this issue. It has now ruined my credit and I'd like it completely removed from my credit report before I file legal action. Thank you.
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX TD bank set up landlord tenant account for my XXXX XXXX XXXX, as required this account needed to have my name on it. I was not aware of this account as is the norm however I assumed my landlord would set up the account as was required by our lease agreement. 

On or about XX/XX/XXXX a new account appeared for me XXXX XXXX in addition to the one account I had with TD Bank. I had not seen this account before and was frankly surprised and confused by what it was. So I went to TD bank and they informed me that it was in fact my account my money. At no time did they indicate that this was in fact a landlord tenant account. On or about XX/XX/XXXX TD bank froze my account and set up a debit for over 4000 dollars. 
After I discovered this I went to the bank to find out what was going on and I was told that in fact the account that became visible available to me in XX/XX/XXXX was in fact landlord tenant account and the funds with that account I should not have been able to access at any time nor should I have been transacting any business on that account. 
So after visiting the branch in XXXX NJ I was put in contacted with XXXX XXXX from TB banks fraud unit he told me that account was frozen for unjust enrichment and acknowledged 1. My having access to the account is a td bank error and 2. That the landlord had filed an affidavit seeking the restoration of funds to the account. 
The account was Frozen from XX/XX/XXXX to XX/XX/XXXX the debit from my account caused the account to be over drawn. In addition my direct deposit could not be processed as TD bank indicated to my employer XXXX XXXX  XXXX that the account was closed. 
TD Banks behavior in this instance is outrageous. They would not provide me the affidavit they did not contact me prior to taking action and NONE of this would have occurred if TD bank had not changed made the error that created all of this. There was ZERO due process and zero communication with me. If there was I could have worked with the bank and resolved this issue without costing me overdraft fees and without messing up my direct deposit. I will pursue legal action ; that at this point is not in question.
Consumer complaint received 2022-11-12
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. (TX)

XXXX XXXX XXXX XXXX Credit report from XX/XX/XXXX shows this account was closed on XXXX and will be removed on XX/XX/XXXX. The next report I pulled shows this account was closed on XXXX and will be removed on XXXX. I have reached out to the company and the credit bureaus to remove this information from my credit report as it is being reported inaccurately and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

By the provisions of the Fair Credit Reporting Act, these items should not be on my credit report as they are reporting inaccurate information.
Consumer complaint received 2022-11-12
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. (TX)

XXXX XXXX XXXX  - Credit report from XX/XX/XXXX shows this account was closed on XXXX and will be removed on XX/XX/XXXX. The next report I pulled shows this account was closed on XXXX and will be removed on XXXX. I have reached out to the company and the credit bureaus to remove this information from my credit report as it is being reported inaccurately and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

By the provisions of the Fair Credit Reporting Act, these items should not be on my credit report as they are reporting inaccurate information.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

XX/XX/23 - attempted to deposit {$450.00} at Wells Fargo ATM. ATM said it could not accept the bills. Returned one {$50.00} bill. Did not return the remaining {$400.00}. ATM froze and did not return debit card either. 
Went inside to branch - no help. Handed card with standard Wells Fargo phone number. 
Called. Filed claim. Representative would not credit more than XXXX cent to my account. Asked if I would be reimbursed for penalties acquired due to lack of funds in the account for upcoming bill withdrawals. She did not provide an answer. 
It has been one week and I have received no update on my missing {$400.00} deposit due to no fault of my own.