davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
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. (FL)

A late payment reported to the reporting agency and I never pay my cards late I noticed a drop in credit score so it made me do research into whats going on I found the acc with XXXX XXXX that I dont use that is not mine that I did not authorize acc number XXXX and a host of credit inquires that are not mine and I did not apply for XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XX/XX/XXXX I do not use credit cards a lot nor do I check my credit report I have also made a police report.
Consumer complaint received 2021-07-17
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. (GA)

I am extremely frustrated at this point! I have tried to be as professional as possible and its seems that the nice people ALWAYS get over looked and the end of the XXXX stick! These false reporting accounts on my credit report has been an extreme distress to me and my family and has been hindering me from taking care of my family and getting approved for housing and sooo much more you cant even imagine!!

These accounts need to be removed from my account IMMEDIATELY!!
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Previous Case Number with CFPB : Case number : XXXX ( EQUIFAX HAS NOW FROZEN MY CREDIT REPORT AND HAVE FAILED TO ACT ON INFORMATION I PROVIDED ; I WAS INSTRUCTED TO PROVIDE ADDITIONAL INFORMATION ON MY IDENTITY AND I DID. PLEASE SEE ATTACHED DOCUMENTS ) On XX/XX/XXXX, and XX/XX/XXXX, I disputed an account reported by XXXX County Superior Court ; Case # XXXX ; Amount : {$1800.00} in the file you maintain under my Social Security number. 
I was informed on XX/XX/XXXX that the item was deleted from my credit report with Equifax. 
Now I discovered that the item has been reinstated on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five ( 5 ) business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the BBB. 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau This item has been removed from my credit report with XXXX, XXXX  and XXXX XXXX.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX report shows that I have a credit card account with XXXX XXXX bank and that I have a {$3000.00} outstanding debt. It also shows another name as also known as which is similar to my name. It also shows a random address that I have never been associated with. 
I also have a few other accounts that were opened fraudulently. 
I do not own any accounts other than XXXX XXXX XXXX XXXX which is closed and perfectly paid. 
I was a student abroad when the other accounts were opened here under my name. 
I am in no way associated with any of the accounts other than the previously mentioned one. 
My credit is going down the drain because of this fraud and I would like it to be fixed as soon as possible.
Consumer complaint received 2017-09-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

I filed a dispute onXX/XX/XXXX in the amount of {$100.00}. Epiccard/ XXXX XXXX XXXX program issued a provisional credit on XX/XX/XXXX in the amount of {$100.00}. The dispute was resolved in my favor and I recieved a letter from Eppicard stating that the provisional credit will remain on my account. The merchant XXXX whom the dispute was against also issued back the refund to Eppicard. On XX/XX/XXXX the provisional credit was reversed with no explanation. Since the letter stated that the dispute was in my favor and the provisional credit will remain, I did n't expect that my account would be debited the credit at a later date. As a result of the debit my account became negative, hence I did not recieve my monthly Stipend of {$100.00} on XX/XX/XXXX. Each time I contacted customer service, I was told that the credit should not have been reversed and they are submitting a tracker to the department responsible for crediting Back the {$100.00} to my account. I asked if I could speak to that department directly and was told by XXXX, XXXX, XXXX, XXXX, XXXX, XXXX a supervisor name XXXX and several other customer service representatives that they are submitting a tracker for me to recieve back the {$100.00} and there was no way for me to contact anyone else in regards to the dispute. These are just names of people I have spoken to monthly in the department that I contact to file the dispute. It 's now XXXX and 4 months after the reversal and I still can not get back {$100.00} that 's due to me. The dispute tracking ID number is XXXX. The tracking ID that the reps claim that they are issuing to their higher ups in regards to my complaint is XXXX. 
I contacted XXXX who gave me XXXX XXXX stating that they are the financial institution responsible for the card, after contacting XXXX, I was told by XXXX that they only make and sell the plastic to Eppicard and that they are not involved financially. 
Contacting Consumer Financial Bureau is my next step before filing a civil claim which cost {$50.00} in my state and then I 'll also sue for the court cost. I am hoping it can be resolved at this level. I will also hold XXXX accountable as this company is bearing its name. 

I was not able to upload the letter that states I can keep the provisional credit, but I have a copy and I also taped my phone conversations with Eppicard, the state of Oklahoma law states as long as one party knows it 's being taped.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/2023 I am largely inconvenienced due to the Neglect to properly verify All information before Capital ones ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX on letter XXXX XXXX XXXX XXXX, VA XXXX on envelope ). issuing a credit card in my name. Its overwhelming and stressful to try to regain any form of peace and security during the process of protecting myself from future attacks. my address is public record. Therefore, providing a card with the use of ( an out of my state address, false income amount. my zip code with a out of state address on the application ), and All of my personal information is Neglect on capital one behalf. Also, the person ( s ) that stole my personal information Must be held responsible for their actions.
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (VA)

Please see attachments. 
This alleged account was charged off in XXXX, and is on my consumer credit report without my consent pursuant to the FCRA and FDCPA. In XX/XX/XXXX I received this letter from this law firm stating that I owe, that's a violation in itself. As I continued reading this letter it was abusive, threatening in nature and deceptive in all manner. Along with stating this communication is from a debt collector. I have sent to them the exact same Debt Validation Letter/CEASE AND DESIST ; Affidavit of Truth ; EXHIBIT A ; and INVOICE.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

SINCE XX/XX/2018 I HAVE BEEN DISPUTING THIS BANKRUPTCY SOMEONE USE MY INFORMATION. I HAD NEVER HAD ANY ACCOUNT ASSOCIATED WITH BANKRUPTCY PUBLIC RECORD. I THE BUREAU ASKED THEM FOR METHOD OF VERIFICATION WHICH THEY FAILED TO DO. I FILED SEVERAL COMPLAINTS. XXXX XXXX REMOVED THE REMARK AND BLOCKED AND SENT CORRESPONDENCES TO THE BUREAU RECENTLY XXXX XXXX DISPUTED IT AGAIN AND ASK THEM TO REMOVE IT THIS INFORMATION REPORTING ACCORDING TO THE LETTER I RECIEVED FROM THE COURT ABOUT THIS CORRESPONDANCE IS COMING FROM XXXX A THIRD PARTY VERIFICATION. I HAVE ASKED FOR THE PROCEDURES BECAUSE MY RIGHTS UNDER THE FCRA 611 FCRA 605 B, AND FCRA616 HAVE BEEN VIOLATED. I HAVE ALSO ASKED TO PRODUCE ANY ACCOUNT I MAY HAVE HAD ASSOCIATED WITH BANKRUPTCY THEY HAVE FAILED TO DO THAT
Consumer complaint received 2023-01-28
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 (IL)

Complaint # XXXX I XXXX XXXX have disputed this charge with the Merchant ( XXXX XXXX ) yet My credit card company has not assisted me in being restored/ made whole. 
I have repeateadly informed the merchant that the furniture I ordered was supposed to be grey and it arrived beige/taupe. The merchant challenged my vision and intelligence by say that the color is grey. I posted on social media and everyone with vision agreed that the color wasnt grey. I sent pictures to the vendor and to Capital One yet my credit card company stated pictures were not enough evidence that the color was incorrect! How do we as humans realize the difference in color if not by vision.

Im overwhelmed with the total disregard for my satisfaction as a consumer.

Per the demand of Capital One I went to 2 furniture stores to request a letter regarding the furniture both stores responded in summary they had no vested interest in writing a letter anyone can see that the color isnt grey and I didnt make the purchase at their store. 
I sent emails between me and the merchant that states I ordered grey but thats not enough evidence for Capital One. 
I purchased this furniture with my Capital One card {$7200.00} with a false sense of security that Capital One would stand behind any and all of my purchases. I have been an Exemplary cardholder yet I feel as if Im being disregarded. Im stuck with beige furniture when I purchased grey carpet, and even had an accent wall painted grey as I waited for my grey furniture to arrive. 
When will the consumer matter?
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

This past XXXX I called Wells Fargo Customer Service and asked to have 3 months of my mortgage payments deferred to the back end of my mortgage because I had to close my restaurant due to covid. I was told by the customer service rep that it would be no problem because wells Fargo was there to help us get through this terrible time. I wasn't asked to fill out any paperwork. About a week later I received a letter from Wells Fargo explaining what my next steps were. It clearly spells out the next steps in the letter from Wells Fargo that the three months payment would be moved to the back end of the loan. At the time of the request I was 2 months behind in my mortgage. Between XXXX and XXXX I Made two payments on the mortgage to bring the mortgage current. I then received a phone call from Wells Fargo in early XXXX asking if I needed to extend the deferral period. I told them that I didn't want to extend and that I would resume my regular payments in XXXX which I did and have paid on time in XXXX & XXXX as well. In XXXX I starting receiving loan modification documents and constant phone calls from their loan modification department telling me that my loan was sold previously and the Savings and Loan that owned it would not honor the deferral and that if I did not apply for and receive approval on the modification that they would start acceleration on foreclosure. I was also told that since I am still out of work that I would be denied approval. I was told by Wells Fargo who services the loan that The savings and loan would not honor the deferral because at the time I called for deferral I was two months behind. I asked why I wasn't informed of that in the deferral acceptance letter or on the phone and was told that the policy was put in place on XX/XX/XXXX which was three months after I was accepted. On the date that new policy was put in place I was already caught up with the two months in arrears. This puts my home in peril. Please help!
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (AZ)

Syncrony bank closed my amazon store credit card without any notice ( no email or phone call ). I even did not know the exact date the account was closed, it was some time after the XXXX statement XXXX XX/XX/2020 ), I tried to make purchase on XXXX and failed, then I logged into my online bank account and found out the account is closed. I make payments on time and shop only XXXX. I contacted the manager by online chat, the manager refused to reactivate my card and my XXXX rewards also disappeared. It seems that they just do not want to give people their rewards if you spend a lot on XXXX and they will just close your account when the rewards money is high. I want my XXXX rewards back. I attached the XXXX statement which shows my rewards amount.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In 2022 of XXXX I decided to review my credit report and noticed inaccurate information. I asked for the information to be removed and till this day nothing has been updated.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (LA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2017-08-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

SPRINGLEAF FINANCIAL REFUSES TO PROVIDE VALIDATION OF THIE DEBT IN WRITING TO ME AS REQUESTED VIA FAX, TELEPHONE AND EMAIL. THEY FAIL TO PROVIDE INFORMATION CONCERNING THE INSURANCE THEY COLLECTED ON THIS ALLEGED DEBT. THEY HAVE N'T RETURNED THE TITLE TO THE XXXX XXXX XXXX XXXX THAT WAS USED TO OBTAIN THIS DEBT. THIS DEBT SHOULD N'T BE REPORTED ON MY CREDIT REPORTS.
Consumer complaint received 2017-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

I was living at an apartment that i was cosigned on for the lease.  When I moved out they came after me for the money from being on the lease but never specified what the amount of money was for. They have a huge amount of money that they are trying to collect from me that i feel i don't owe and they've never shown that i do owe them.
Consumer complaint received 2017-09-04
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. (MN)

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department and sent a copy of the police report and case number to XXXX XXXX, XXXX and Experian in regards to a fraudulent account and hard inquiry listed on my credit report. The following fraudulent account and hard inquiry do not belong to me : XXXX XXXX XXXX XXXX XXXX, {$5100.00}, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (LA)

On multiple dates since XXXX I have stated to them that I did not validate any of these accounts on my credit report and since I am the original creditor, I asked that they delete them from my credit report and to send me an updated credit report with them deleted. I haven't heard anything from them in the last 60 days, and this is causing me tremendous stress and am currently homeless because of their negligence.
Consumer complaint received 2021-02-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Found a hard credit inquiry on my XXXX  credit report dated XX/XX/XXXX. Contacted Bank of America ( the company who was on record as performing this action ) XX/XX/XXXX. Contacted BofA XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told that my letter was in the mail, except for the last one, I was told that an investigation was not performed. 
I have been on the phone with XXXX for at least an hour trying to dispute this. I can not get anyone to help me. They either hang up on me ( I am on a land line ) or transfer me back into the queue and I have to hold again. 
You can ONLY dispute these types of things by calling in. Why is this so hard?!?!?!?!?!?!?!
Consumer complaint received 2023-01-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (NJ)

I would advise you that the company 's actions in refusing to correct the violations and inaccuracies on your credit report, and then subsequently changing the information that was reported, may be in violation of several provisions of the Fair Credit Reporting Act ( FCRA ).

First, under section 611 of the FCRA, credit reporting agencies ( CRAs ) have an obligation to investigate disputes submitted by consumers and to correct any inaccurate or incomplete information that is discovered as a result of the investigation. By refusing to correct the inaccuracies on your credit report, the company may be in violation of this provision.

Additionally, under section 616 of the FCRA, CRAs are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. By changing the information on your credit report without conducting an investigation or without providing notice to you, the company may be in violation of this provision.

Furthermore, under section 615 ( a ) of the FCRA, CRAs are required to provide consumers with a notice of their rights under the FCRA upon request, including the right to dispute inaccurate or incomplete information in a credit report and the right to receive a copy of the credit report. By not providing you with such a notice, the company may be in violation of this provision.

refer to the picture that BEFORE and after our conversation.