davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX dXXXXd now.with no help
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I had a previous Syncrony bank XXXX store financing account which I paid in full and closed. When I bought a new phone it would not allow me to register the new account because the old account existed on the same email. It is now impossible ( apparently ) for me to setup autopay for this card.
Consumer complaint received 2022-03-18
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. (TX)

1. Validate Account XXXX XXXX  Account Number : XXXX 2. Validate Account XXXX XXXX  XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX  XXXX  Account Number : XXXX 4. Validate Account XXXX XXXX  Account Number : XXXX 5. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX 6. Validate Account XXXX, XXXX Account Number : XXXX XXXX. Validate Account Account Number : XXXX 8. Validate Account XXXX XXXX Account Number : XXXX 9. Validate Account XXXX XXXX  Account Number : XXXX 10. Validate Account Account Number : XXXX 11. Validate Account XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX 12. Validate Account XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 14. Validate Account Account Number : XXXX 15. Validate Account XXXX XXXX  Account Number : XXXX 16. Validate Account XXXX XXXXT Account Number : XXXX 17. Validate Account Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX 19. Validate Account XXXX XXXX  XXXX Account Number : XXXX 20. Validate Account XXXX XXXX Account Number : XXXX 21. Validate Account XXXX  XXXX XXXX  XXXX Account Number : XXXX 22. Validate Account XXXX XXXX Account Number : XXXX 23. Validate Account XXXX XXXX  Account Number : XXXX 24. Validate Account XXXX, XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (MN)

I applied for a personal loan of $ XXXX  with Wells Fargo whom I'm in good standing with, I have a credit card with them which is now 95 % payoff with just a balance of {$200.00} with a credit limit of $ XXXX. In addition to that I have both checking and savings with Wells ; checking receives direct deposit from employment and savings has a small dollar amount of about $ XXXX. 

I initially got an approval pending income docs be upload which I have two jobs and I provided documentation for both and a credit score of about XXXX, this was XX/XX/XXXX. I then got an email stating that I was denied XX/XX/XXXX due to amounts owed on debit is too high ( I have a car note and a total of 3 credit cards with one paired completely off ) and they couldn't verify my income ( which I provided documents and I work for a XXXX XXXX  contracted through the XXXX XXXX XXXX and my other job is with the City of XXXX XXXX, MN both places easy to verify my income if docs submitted wasn't sufficient ) Wells Fargo has a rich history of denying people of color loans and this situation is no different.
Consumer complaint received 2021-01-25
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. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXt with a balance of {$23000.00}, XXXXXXXX XXXX XXXX  with balances of {$240.00} and {$320.00}, and lastly XXXX XXXX XXXX with a balance of {$890.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

to whom this may concern, I was never late on the paid off account listed below Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. if you can not supply this please delete this alleged late payments from my credit report. the item in question are XXXX XXXX XXXX XXXX XXXX XXXX Comenity bank/Kay Comenity Bank/Kay After doing so please provide me with an updated credit report reflecting the changes. 
XXXX XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group (NJ)

PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate in the name XXXX XXXX. Whereas I believe them to be a debt buyer, WATERFALL REVENUE GROUP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, correspondence, and financial and corporate records that pertain to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Consumer complaint received 2024-10-29
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. (SC)

The following accounts were opened fraudulently using my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; and XXXX XXXX XXXX XXXX XX/XX/XXXX. The following inquires were also made : 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. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported, those accounts, collections, or hard inquiries were not opened, made, or initiated by me. These accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission. In accordance with 15 USC 1681 c-2 c ( a ) and section 605B of the Fair Credit Reporting Act, it is imperative that you, as a credit protection agency , take immediate action to block and remove all information associated with this identity theft from my credit report. This statue mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes fraudulent information.
Consumer complaint received 2023-03-17
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. (WI)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : 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 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX : XXXX ( Agent/ Beneficiary ) All right reserved without prejudice Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (MA)

Re : Account Number : XXXX Original Creditor : JARED-GALLERIA OF JEWELRY To Whom this may concern : As I have not heard back from you in over 30 days since my formal written notice of dispute, and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief, so help me XXXX, pursuant to 28 U.S.C. 1746 ( 1 ). Witness My Hand this XXXX day of XX/XX/2021. 

I have copied the XXXX XXXX XXXX FTC & Attorney General of Washington.
Consumer complaint received 2023-03-17
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. (MO)

I sent letters showing errors throughout my report on several different acounts in XX/XX/2023 it is now the middle of XXXX which is over 30 days now my crefit score is all over the place. Ive been vetti g several notifications that my score went up and then the next day down. I never recieved proof of verfication or proof of anything im not sure why this investigation is still ongoing and why my credit score keeps bouncing could you please help
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (KS)

In 2020 LexisNexis submitted a report to the Kansas Department Of Labor in response to an application for assistance. LexisNexis gave them a consumer report for me that had an incorrect social security number. As such I was investigated for fraud and never received my funds and due to staffing shortages I am still in the appeals process two years later because of this report. XXXX actually told me this in a recorded call and gave me their information to call. Upon doing so - again on a recorded line I spoke to someone named XXXX who wouldn't process my request for a consumer report but also screamed at me and called me a " XXXX liar and XXXX never told you to call here '' then hung up. So I called back a few times- each time the same person answered and began playing manipulative games with me. To beat him I called their number from my wife 's phone while I still had him on the line and he somehow was still the same person to pick up while still on a different line with me. 
I have sent multiple requests in writing to receive a copy of my consumer report so that I can correct their information and each time they use a different stall tactic. For instance the first time they sent me a letter stating I had not provided an ID with my request ( there wasn't an option ) and to call them. I did so and then receive a blank piece of paper and a paper with a link and pin. Upon doing so it doesn't work. Meanwhile I have also been declined for checking accounts as well as apartments that have used their service. They have an entire other consumers information mixed with mine and have provided that information to agencies that have in turn reported it to my credit report and after hundreds of hours of trying to get this sorted out they stall me at every turn. My life is completely on hold from any level of actual productive results from my efforts.
Consumer complaint received 2022-03-14
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: DISCOVER BANK (MS)

I have been a DiscoverCard holder/member for 20 years with XXXX missed payments. However, I am now aware I've been charged recurring fees for the DiscoverCard Payment Protection Program since 2008. I did not willingly agree to pay for this product, nor did I agree to it. Therefore, the DiscoverCard Payment Protection Program was activated without my consent. 

The DiscoverCard Payment Protection Program is a XXXX XXXX  marketing practice worthy of federal XXXX charges.
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My chase account was randomly closed with no explanation as to why. XXXX dollars that I depended on were not returned and I was told I would not be getting my money back until whatever investigation they had ended. 

I spoke to three branch managers and they all told me that they dont have access to my account anymore. 

Furthermore, upon calling chases customer service line, a customer service representative hung the phone up on me once she told me that my funds were not available and told me to wait. 

This is completely ridiculous and I deserve to have my money. If the bank does not want my business thats fine but I should not have to wait for an investigation which I have no idea why Im being investigated in the first place be finished before getting my money back. I have bills to pay and it seems that Chase does not care at all about that.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

My son in law recently started assisting me with my finances last month and noticed I was getting a {$25.00} service fee every month on my checking account. I am a XXXX XXXX so i do not use online or mobile banking, I just rely on my local branch to provide me with assistance when needed. We called citibank together and spoke to a representative as well as a team supervisor. We explained that I have been banking with Citibank for 40 years and no one has ever suggested for me to be placed in a Basic Banking account which is free for anyone over the age of XXXX, i found this information from my son in law. I am now XXXX yrs old and i am sure after this is researched further u will be able to see that I have been receiving this {$25.00} fee for years.Basically after conveying this information to the supervisor he said there is nothing he could do, that i was supposed to tell citibank about their products and that i should have known how i can keep my accounts free. After the phone call i decided to put in this complaint because i feel like what citibank did to me is highly unethical and morally alarming due to my age.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Acceptance Corp have been on my credit report for 7 years as of XXXX XXXX XXXX and they are making me stress and putting false thing on all my credit and reporting it will not be removed until XXXX which is what going on with this company and reporting this to my banks putting 5 late payment and 11 collection and and report one Default loan on XX/XX/XXXX I did not apply for any loan with this company on XX/XX/XXXX I want them to be removed I not allow company this retaliation against me nor pully me in anyway I will write my Governor XXXX XXXX in my state of Virginia and let him know what is going on with this company and XXXX  to do this to me is this person working with Credit acceptance are they paying someone to do this in the credit bureau because it is not on XXXX or XXXX but all the other credit agency have it posted I have been finding this on a lot of credit agency .This is not a new credit it is 7 years old XXXX XXXXhis should be removed as of XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

Americollect had been calling me repeatedly over the course of several months sometimes more than once a day while I was trying to sort out the {$990.00} dollar debt out with my insurance company without any written notification. 

Finally, I tried to get the debt validated as I have still yet to see an itemized bill from Americollect or the debtor 's XXXX XXXX XXXX. I sent this validation letter over certified mail on XX/XX/22. On XX/XX/22 I received a letter back that stated nothing but thee {$990.00} balance and the debtors, information that I had gone to them with to get validated. On XX/XX/22 I sent a failure to validate letter over certified mail and they replied on XX/XX/22 stating that my dispute was " firvilious and irrelevant ''. It has been years with this outstanding bill and I have still been unable to get it validated by a debt collector that called my off the hook for months on end while I tried to get my medical bills sorted out as a student struggling during the pandemic.
Consumer complaint received 2022-01-14
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 have one late payment in 2020 during the COVID period, XXXX XXXX  XXXX reported me late during a period where the cares act covers consumers during hard times. I have attached a letter please have this late payment deleted