davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I have a credit freeze for Equifax I put on a long time ago. 
I wish to unfreeze my information to get a loan for a house we are purchasing. 
Since freezing, my phone number and address may have changed I tried using the web site to unfreeze my account and, after putting in all my information, I get a reply " Sorry we can't help you ''. ... no more information to give me a clue as to what the issue is. I tried this several times even using old phone numbers and addresses. 
The page gives me a phone number to call. 
I've called the number and have been on hold for DAYS! ( no  exaggeration ). 
I did get a real person twice and, after giving them my correct information they said they couldn't help me. I asked why and they said what I told them did't match their records. I asked for a manager and they said they couldn't help me. 

Twice I've sent a snail mail to the address indicated on their web site. I included all the information they asked for. 
I received one letter with a code for their web site and it did not work. 
It's been several weeks since sending the last letter and I haven't received any acknowledgement. 

If I can't unfreeze my account I can't get my loan. Equifax has denied me getting my home. 
I am beyond frustration regarding this. I really can't believe someone's life can be XXXX  up so much just because of the incompetence of a company that holds their personal information. I appreciate and acknowledge the security issues but this is insane.
Consumer complaint received 2019-07-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

I recently turned in a check for {$1100.00} to Wells Fargo on XX/XX/XXXX and was told I wouldnt be able to access the funds until XX/XX/XXXX. The reason being is because Im overdrafted, which doesnt make sense because the amount I deposited was more than enough to make my balance positive. This is highly inconvenient as I have bills and other expenses that are now going to be late because of this absurd policy.
Consumer complaint received 2020-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (CA)

I want to report multiple violations to my rights as a consumer, that Discover Financial Services is committing. The account that is the following : Account # XXXX, opened date : XX/XX/2016, limit : {$200.00}. This item must be removed from my credit reports, and I am going to explain why. 

Discover Financial Services is committing multiple violations to the California Credit Reporting Act. 
1. Discrepancies across bureaus : - Reporting different last payment activity. 
- Reporting different amount of late payments across bureaus.

- Reporting different account status.

- Reporting different highest balance across bureaus.

- Reporting different date of last payment.

2. Reporting incomplete information : - Missing closed date on a charge-off account. 
- Missing payment history. 

I am demanding a fair solution for this issue. I want a deletion letter and this item removed from my credit report. If this doesnt happen, I am willing to take this case to federal court. I have spent XXXX dollars in legal advise, and Ive been affected emotionally because of this issue. 

Please send the attached documents to Discover Financial Services. 
Thank you.
Consumer complaint received 2020-04-29
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. (IL)

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 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2020 I had a hard hit in my credit from a source syncb/ppmc located XXXX Florida. I did not fill out for anything or require about anything to have this hit when I reached out to XXXX  they told me to contact the company when trying to contact the company they told me they have no records but yet this hit is in my credit report. And meaning I did not do anything to get this on here I would like to get it off and I am having no help getting that Im getting a run around from both companies.
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC (OK)

-Entered into debt management company XXXX XXXX XXXX on XX/XX/XXXX -Served with notice of suit on XX/XX/XXXX by Machol & Johannes LLC . representing XXXX  XXXX XXXX ( XXXX ), XXXX -The debt management company was receiving payments for the debt to XXXX  XXXX and forwarding payments to XXXX  XXXXMachol & Johannes LLC in the amount of {$85.00} -Signed a stipulation agreement document agreeing to pay the debt through the debt management company on XX/XX/XXXX -Machol & Johannes LLC . wanted additional funds in the amount of {$90.00} to be deducted directly from my checking account ( I complied with the request ) -Machol & Johannes LLC . agree to this agreement and then on secured a judgment with XXXX County Courthouse on XX/XX/XXXX, while receiving the payments as agreed. 

-Contacted Machol & Johannes LLC . concerning the judgment and was basically informed that " there was nothing that they could do, oh, well. '' -The debt is now paid in full, however, there is a judgment on my credit report for a debt I had an agreement to pay.
Consumer complaint received 2020-04-29
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: BARCLAYS BANK DELAWARE (TX)

A charge of nearly {$3000.00} appeared on my Barclaycard statement, which I received in XXXX but did not immediately review, as I have a XXXX balance with no purchases on this account. In mid XXXX, 2020 I wrote to Barclaycard, at the address provided on my statement, to dispute the listed transaction. To date, the company has not responded, other than to report very negative remarks on my credit report for three successive months, thus causing me to lose more than {$10000.00} in existing credit from a merchant with whom I have had an impeccable A+ relationship for many years. 

I called the company, at the number listed on the my statement, in mid XXXX to inquire about the dispute and negative credit reporting. The customer support person began by explaining that with the recent public health concern they did not have time to investigate disputes. I told this person that the bank still had time to perform all of it's other functions, like reporting false account information to the reporting agencies, and that investigating a dispute was not an activity at risk. I also informed this person that his attempt to hide incompetent or illegal bank activity behind a public health crisis was offensive to me.The customer support person then hung up. I therefore received no useful information based on my phone conversation with the bank 's representative. 

The bank is clearly operating illegally as I timely and correctly delivered my dispute to the appropriate address, made an attempt to follow-up and to date have yet to have the transaction treated as " in dispute ''. All of my existing credit has been taken away due to the false reports that Barclaycard is making on my credit report.
Consumer complaint received 2020-04-29
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: I.C. System, Inc. (CA)

I have filed a complaint with XXXX  and it has been over 30 days and I am requesting inaccurate information be removed from my credit report.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I was trying several times to open chase sapphire credit card. 
I was rejected many times. The reason : many credit cards. 
I have only 3 from other banks with 0 balance. I spoke to credit reporting file. They confirmed I had 6 before. I have 3 closed 5 years ago. And have 3 active ones I always pay on time. My credit score is XXXX. 
Surprisingly chase sent me mileage  card with XXXX line of credit. 
I didnt ask about XXXX   card. They sent it to me by mistake. 
Its weird. Because right after I closed XXXX  card and wanted to open XXXX  again, I was rejected again. 
How many cards am I allowed to have if all of them paid within required time. 
I dont understand the reason for rejection. I have investment account in the bank of {$400000.00} Please help me to resolve this issue. 
XXXX XXXX
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (WA)

As the pandemic was unfolding, the need to extra cash was heightened. 

I have seen offers before from Barclay 's for balance transfers. This offer, I should have read more closely, a FEE and 15+ % interest. 

While others are providing some type of help, I believe this was predatory and this company has clearly taken advantage of a world pandemic to increase their bottom line.
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

Loandepot.com ran my credit with out my permission. When I asked them to remove the hard pull from my credit report they refused. I ask to file a complaint about the loan officer who pull my credit with out my permission they told me I could not. The NMLS of the person who pulled my credit is XXXX, XXXX XXXX. The company 's NMLS is XXXX.
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (MA)

I XXXX XXXX. XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because Barclays Bank refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and Barclays Bank as well as their respective lawyers trying to collect this debt are aware of all of the facts. If Barclays Bank ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that Barclay Bank can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX Division, Commonwealth of Massachusetts, Probate and Family Court Department. Barclays Bank continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX. XXXX
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (MD)

I rented an apartment from XXXX XXXX XXXX in XXXX XXXX owned by the XXXX XXXX XXXX back in XXXX. Originally, I did a one year least beginning XXXX of XXXX. In XXXX of XXXX, I renewed my lease as a month to month lease with the total lease term ending XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the rental office to verify my rental history so I can move out of a property ( a that was poorly managed and maintained ). The company did not comply with my request until XX/XX/XXXX. At that point, XXXX knew of my intent to move and not renew my lease. One week later, XXXX auto-renewed my lease. I disputed the renewal and proceeded with the process to move. I still paid XXXX and XXXX rent payments as agreed. 

I was issued a document with a balance of {$1200.00} for early termination of my lease. When I asked for a detailed breakdown of this balance, one was not provided. When I did the walkthrough with the property manager, the property was clean, and the only damage was from a maintenance request that was never completed. The property manager assured me that I was not responsible for it. I even paid a company to professionally steam cleaned and restored the carpets. 

I asked the property manager to escalate this matter to her superiors with XXXX. She assured me on three different occasions that someone would contact me. I have yet to hear from anyone, and as a result, a collection for {$1200.00} is on my credit report. 

Not only do I not owe the {$1200.00}, but I also never received my {$500.00} security deposit that I paid when I moved in. 

I am a XXXX XXXX XXXX. This matter has dropped my credit score by 89 points and has killed my ability to acquire SBA financing to keep my business afloat during this national pandemic. The folly of this matter may cost some of my staff their jobs if I can not get this matter resolved and removed.
Consumer complaint received 2020-04-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (AL)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391.  Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2019-07-11
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. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I reached out to the FTC and my local police. I'm also doing this on my own behalf. These items need to be deleted from my credit report XXXX, US Dept ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that dont have a name but the account number is XXXX.
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

On XX/XX/2020 a person going by the name of XXXX XXXX posted pictures of puppies on a XXXX group that I am a member of. She claimed to have three XXXX puppies for sell. I messaged her that morning at XXXX requesting information about the puppies. She was asking {$500.00} each for the puppies. She claimed to be in XXXX, TX. She said I would have to put {$200.00} down to hold the puppy for me. She asked me to categorize the payment made under friends and family to avoid her having to pay the fee to receive the money, I would be the one to pay it. I agreed and send the money. We were supposed to meet the following Tuesday for me to pay the remaining {$300.00} and to receive the puppy from her. She have me the email address XXXX for the PayPal account. On XX/XX/XXXX when I text her letting her know I was about to be on my way to meet her she did not respond. She then blocked me from being about to message her. I contacted the administrators of the XXXX page. They were unable to contact her. That same day, I filed a complaint with PayPal to stop the payment. The administrator of the page let me know that other people in that group were also scammed in the same way with the same post.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

My issue is with Care Credit/Synchrony Bank. I had this credit card/account since 2014 and it has been in good standing. Whenever I paid down my account they seemed to lower my available balance which is bad for my credit rating and annoying, but not why I'm here today. I went to use my card that had a XXXX balance back in XXXX at my dog 's vet and was told it was declined. After my inquiry to Care credit, they said my card was canceled and they would send me a letter telling me why. 

I got a letter saying they were basically auditing their files and my creditworthiness was not good enough. They quoted me a very low credit score in the XXXX range which was not accurate. I have since waited a few months and even acquired another credit card held by synchrony bank, an American Eagle store credit card. This card has a XXXX  balance currently. ( see attached credit report XXXX Today I applied for a care credit card and was denied immediately due to " delinquent past or present credit obligations with synchrony bank ''. ( See attached denial ) As stated previously I don't have a delinquent history ( See attached credit report showing my history ) with them and my current status is also favorable. I feel that the systematic lowering of my balance, then closing my account altogether without notice and now the denial of credit to me is discriminatory in nature. It cant possibly be based on my creditworthiness as they state. 

A quick search of XXXX resulted in many, many other people who have similar situations with credit being closed without notice so I feel compelled to write today and take my issue to this level in order to get help and hopefully some insight that the company has not been able to offer me. 

Thank you,
Consumer complaint received 2022-10-07
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. (IL)

XXXX XXXX XXXX  XXXX Delaware has fraudulently re-aged their credit card account ( XXXX ) on my Equifax credit report and is incorrectly reporting a charged-off credit card account with a charge-off date that is 2 years newer than was previously reported. This is not accurate and XXXX XXXX XXXX is negatively affecting my ability to obtain housing, employment and credit. This fraudulent and harassing negative reporting by XXXX XXXX XXXX has damaged me financially and professionally and will result in a lawsuit or arbitration. This CFPB complaint will serve as a future record of the damages that XXXX XXXX XXXX has caused me to endure. The credit card account XXXX originally showed that it was charged off in XXXX of XXXX but it has been changed today to falsely show that the charge-off occurred in XXXX of XXXX which is not true. This caused my credit score to drop XXXX points and reduced me from XXXX XXXX to XXXX XXXX which has immediately caused me hardships.