davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XX/XX/XXXX  SS # XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Consumer complaint received 2020-06-16
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called Capital one and was told they are not offering assistance to me???? I was told we can only defer payments 30 to 60 days but interest will accrue! I pay my statement in full every single month with my Walmart/Capital One Card. I asked not requesting to defer my payments but 60 to 90 days of interest so I can pay all my creditors due to what is going on. I was not going to spend hours on the phone. I emailed the below person who is the correct contact with no response. This is due XX/XX/XXXX. I spend hundreds of dollars to have food/items shipped to my XXXX year old Mother. Its just egregious there did honest behavior with emails we are here to help! Just to get through in an hour wait and this bank is not helping people but just deferring one or two payments but the interest is over 25 % to 30 % This is standard whether you have stellar or bad credit. This bank does not care. Note : I closed all my account with them back in XXXX when my Mother went into a XXXX  with a very bad XXXX XXXX and went back home to take care of her and stopped working for XXXX XXXX This Bank threatened to report me to the credit bureaus and would not help me and never late with a payment! This bank needs to be policed and fined for many banking violations. 


See email below. 

From : XXXX XXXX Sent : Monday, XX/XX/2020 XXXX XXXX To : XXXX XXXX Subject : ACCOUNT ENDING IN XXXX Walmart XXXX, I want to begin how poor and untrained the customer service of CapitalOne. Its sad what going on as the entire world is shut down. 

I like you to give me a call. I filed an OCC complaint with XXXX XXXX. I also filed with the CFPB. I like you to give me a call. XXXX I SIMPLY ASK FOR NO INTEREST FOR 90 TO 120 DAYS. I WILL NOT GO INTO A LONG EMAIL AND WASTE ANY MORE OF MY VALUABLE TIME. 

Regards, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
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 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 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 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 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 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

Good morning, on or about XX/XX/2022, there were several fraudulent withdraws made from two of our checking accounts. Our bank is Chase Bank. These withdraws totaled approximately XXXX. 

There were withdraws from one account of XXXX, XXXX and XXXX. The other account had withdraws of XXXX and XXXX. 

All of these withdraws were made without our knowledge by someone we do not know. We did alert Chase Bank immediately upon learning of these fraudulent transactions. Let me tell you, this has been a roller coaster ride given to us by the Bank. 

First, they did credit one account back the XXXX, XXXX and XXXX. However, they then reversed the XXXX and XXXX transactions, without notice. They STILL have not even addressesd the other account or the fraudulent activity, rather, they r putting the onus on us to show they were not made by my husband or myself. Let me add, we have been customers of Chase Bank for over 30 years. They were XXXX XXXX and XXXX XXXXXXXX over the course of those years. At one time, we would be alerted immediately to any questionable transactions to our accounts. All of these withdraws were absolutely questionable. As those type of withdraws are not normal, ordinary or customary for either of these accounts. We did make a police report, who also made the observation that these were very out of the ordinary, looking at our history. 

I am asking, pleading, begging for some assistance here in helping us to convince the bank that these transactions were not made by us and we need to have our accounts made whol. Bringing them back to where they were before this occurred. We have been met with consternation and more than questionable customer service. They have, in essence, called us liars and theives! 

Please, if you have any ability to look into this situation in order to have our funds credited back to the accounts in question, I would be more than grateful. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2020-06-16
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. (TX)

In XX/XX/2020, I discovered that I had become a victim of identity theft. After being denied for a credit card, I checked my credit report and saw several ( 22 in total ) student loans that had been taken out in my name totaling $ XXXX. All of these loans are open and have not been paid on for years resulting in them continually gaining interest. I sent in a letter notifying all 3 credit bureaus that my identity had been used fraudulently, along with a FTC affidavit and a police report but they refused to block the account stating that it was " validated ''. When asked why they refused to block the accounts when I'm showing adequate proof that the accounts were not mine, and provided them with the proper documents needed to have the accounts removed they declined to answer. 

I followed up by requesting that the creditor provide me with details on what method they used to " validate '' the account, all while forbidding them from using E-Oscar to do so but they disregarded my request and sent another letter stating that all 22 accounts were validated. I specifically requested that they provide me with physical proof of a contract with my signature showing that the debt is mine but again, they ignored my request and continue to state that the debt was " validated '' with no physical proof nor explaining which method they used to do so. 

Recently, I sent in a letter of Notice to Furnishers of Information to the creditor to let them know that per the FCRA, they MUST report accurate information only and once again, they ignored my claim and continued to state that all accounts were " validated ''. Time and time again they have continued to violate the FCRA guidelines.
Consumer complaint received 2020-08-05
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. (OH)

I am filing a complaint due to some unknown account appearing on my credit report I sent out a FTC complaint and CFPB complaint as well .Be advised I am disputing validation and proof of claim of the disputed debt is requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC . 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   XXXX # XXXX,
Consumer complaint received 2020-06-16
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: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

In XX/XX/2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. 

I reached out to the debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. They responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

They did not adhere to any of my requests and instead sent me a bill to pay for the collection.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MA)

I called AMEX to cancel my card. During the 9 minute call they went through a number of offers to incentive me to stay. At one point I was told that my card has no annual fee ( although I thought it did ). The representative said it doesn't cost me anything to keep. Ultimately I was offered {$75.00} after spending {$1000.00} to keep the card. 

A few months later I received an annual fee and called to cancel. The representative said that the {$75.00} was given to offset the annual fee. I don't remember that being true. I explained to the representative I was told there was no fee and wanted to cancel. She then said I would be charged the {$75.00} bonus. 

This seems like I was baited into an offer under false pretences then charged an annual fee. When I contested the fee, I was charged an amount equal to the offer.
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (WA)

On XX/XX/XXXX, I faxed a dispute form to TD Retail Card Services ( aka XXXX XXXX XXXX  ) disputing the full amount of their claim ( {$3400.00} ). I provided them with the correspondence from the customer service department at XXXX  XXXX stating that I would not be charged and would close out my account. XXXX  XXXX has never responded to the email from their CS representative ( original dispute attached ). Since this time I've submitted a second dispute dated XX/XX/XXXX, which has also never been addressed ( dispute attached ). As recently as XX/XX/XXXX I spoke with XXXX ( ID # XXXX ) and she confirmed that my dispute is still under review as was last looked at on XX/XX/XXXX. I received a letter dated XX/XX/XXXX threatening me with collections, even though they've not responded to my dispute in almost 170 days. On XX/XX/XXXX they assessed a late charge of {$16.00} and on XX/XX/XXXX another late charge was assessed for {$38.00}, not even 30 days after the first. Per the Fair Credit Billing Act of 1974, while a debt is in dispute no threats of collections or late fees may be levied ; yet, they are doing so. I've also send electronic communications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all attached ) and the response has been that they will resolve the matter in no more than 2 billing cycles, or not greater than 90 days. I've still not received a letter on any ruling on the dispute and XXXX  XXXX corporate is not responding to TD Retail Card Services. This is now clearly in violation of my rights under the Fair Credit Billing Act of 1974 and I'm owed {$590.00} that was remitted on XX/XX/XXXX to ensure that my 37+ year pristine credit history and exceptional credit rating is not tarnished due to their lack of execution of my dispute.
Consumer complaint received 2024-02-26
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AZ)

My name is XXXX XXXX XXXX I'm XXXX XXXX years old I have been fighting for 7 years to remove this fraudulent information from my credit report. The three major credit bureaus Experian, XXXX, XXXX would remove both depts from my credit file after I would file a dispute the next month they would remove the two collections from my credit report and then put both back on. Take it off put back on my credit score has dropped now my Mortgage lender stated I'm no longer Approved, neither is my XXXX XXXX XXXX mother were buying a home together. Dear Sir it was not on my credit report when we first applied and approved. The company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, they have scared me and my Mother they keep threating me calling me from robot phones threating to sue me, and harassing me constantly for a XXXX XXXX Credit Card stating I owe {$960.00} account # XXXX. I never had a contract with this company. I keep disputing the information to be removed this so called dept is over 7 years old. The second collection company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX has just popped up again on my credit report was removed 3 years ago and is now placed back on my credit report this dept of collection is also over 7 years old which I have no knowledge of nor have I ever had XXXX XXXX Experian Account # XXXX These two collections have ruined My American Dream to become a Home Owner. I have never had a contract with these collection agency please help me to remove these collections from my credit report. Also there is an address I never lived at on my credit report that Experian refuses to remove ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I was apart of Breach with XXXX and XXXX when my information was stolen breach. I had to get a new driver license and everything.
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MO)

XXXX XXXX is a federally registered service mark of XXXX XXXX and is used by Department Stores National Bank pursuant to a license. The Macys XXXX XXXX Card program is issued and administered by Department Stores National Bank. 

Macy 's Credit Card has taken away all access to my credit card statement and removed the ability to make payments online. They have called me several times a day during my work hours after being told not to contact me during work. When I called their customer support number # XXXX, I was told the department that can resolve the issue is only open during my work hours and the only way they can resolve the issue it to contact me during my work hours. It is against Federal law for me to use my phone at work. I can not pay off my debt online as part of the agreement Macy 's made when I opened the account. I am being contacted by their debt department during my work hours when I requested not contact to be contacted during work hours. Macy 's has taken away my ability to view my electric fund transfers from their online portal. Macys.com lists no information on the FCRA, FCBA, EFTA, FDCPA and list no contact information for disputes. 

The last attempt at reaching their customer service XXXX XXXX XXXX XXXX at XXXX XXXX  XX/XX/2020. I directly asked for their legal departments contact information to file a formal dispute and was told " they are not allowed to give that information out. '' When asked for any contact information to file a formal dispute I was given the number for the same branch only open during my working hours. It is against Federal law for me to use my phone when working. As I told their customer service center before, I can not use my phone during work hours.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

My bank found a report on an Equifax credit report where I had an outstanding debt which affected my credit score. It showed that I had not paid a {$420.00}, and had been put on my credit report XXXX/XXXX/2015. It showed XXXX XXXX as the original creditor, collection agency XXXX XXXX XXXX. I contacted comcast who said they had not submitted the claim, and that I was and had always been current with them. I then filed a dispute with XXXX online, then had a conversation with them. They denied any knowledge of this transaction. Tried to contact XXXX XXXX XXXX, could not find any record that they even existed.. I contacted the local XXXX Consumer Service to try to find a way to get in contact with XXXX XXXX XXXX. They could not find any record that XXXX XXXX XXXX existed. They suggested that I file this complaint to try to get to the root of this problem, and get this bogus bad credit report off my credit report.. I do n't know what else to give you. I know that you will need more of my personal information, but not sure if I should include it now. My phone number is XXXX, and my e-mail address is XXXXXXXXXXXX. My full name is XXXX XXXX XXXX, and my mailing address is XXXX XXXX XXXX, XXXX, Fl.XXXX. Please help me get this off my credit report. Thank You.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/2022 XXXX Capital One Bank knows that their ATMs are faulty and that they regularly take customers. I spoke with a member of one of their branch locations and they stated that their ATMs regularly take customers deposits and that customers are forced to wait for a credit from the bank. While I know there are federal regulations in place to protect customers and for them to be able to file disputes, however if Capital One Bank and their staff are aware of the issues revolving their ATMs and are failing to remediate the situation seems like something that should be further investigated by you. I made a deposit of {$1400.00} into their ATM at their XXXX XXXX, MD location and was told by their claims department that I would receive a credit between 1 hour and 10 days from now. How many other customers are having their deposits going missing and have to wait for credit?
Consumer complaint received 2020-06-16
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. (TX)

In XX/XX/2020, I discovered that I had become a victim of identity theft. After being denied for a credit card, I checked my credit report and saw several ( 22 in total ) student loans that had been taking out in my name totaling $ XXXX. I sent in a letter notifying the big 3 credit bureaus that my identity had been used fraudulently, along with a FTC affidavit and a police report but they refused to block the account stating that it was " validated ''. When asked why they refused to block the accounts when I'm showing adequate proof that the accounts were not mine, and provided them with the proper documents needed to have the accounts removed they declined to answer. 

I followed up by requesting that the creditor provide me with details on what method they used to " validate '' the account, all while forbidding them from using E-Oscar to do so but they disregarded my request and sent another letter stating that all 22 accounts were validated. I specifically requested that they provide me with physical proof of a contract with my signature showing that the debt is mine but again, they ignored my request and continue to state that the debt was " validated '' with no physical proof nor explaining which method they used to do so. 

Recently, I sent in a letter of Notice to Furnishers of Information to the creditor to let them know that per the FCRA, the MUST report accurate information only and once again, they ignored my claim and continue to state that all accounts are " validated ''. Time and time again they have continue to violate the FCRA guidelines.