davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$35.00}, {$34.00}, {$3800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34.00} -This is not my account. 

6. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (MO)

I applied for a Goodyear credit card at a local tire store. The application was approved same-day but they refuse to send the credit card to the current address on the application. The first minimal payment is due in a few weeks and I am not able to set up an online account to pay the bill.

I called Goodyear several times and they notified me that they sent it to a previous address which they pulled from somewhere. There's a reason why I put my current address on the application! I volunteered to send proof of current address ( copy of drivers license, voter registration card ) but they refused when I called. They also said they needed to verify by TXT'ing my cell phone with a code. I said OK but then they said that their computer was unable to do that.
Consumer complaint received 2024-02-07
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (MI)

In the month of XX/XX/XXXX my credit score dropped by 94 points due to a medical collection that was filed on my credit report. I identified Americollect as the debt collection company who listed the collection. I contacted the company on XX/XX/XXXX to report that I had never received any notice of the collection nor any invoicing. I was informed by Americollect that the company had never sent any invoicing for an alleged amount of {$1700.00} on behalf of XXXX XXXX because they thought I had an attorney. I do not have an attorney but I had filed a state administrative complaint against the creditor to investigate improper/fraudulent billing practices. Subsequently, all the alleged recent medical debts were dismissed. I did not recognize the date of service given by americollect and since rmp services dismissed all collection activities I believe that the americollect debt is either unauthorized or billed erroneously. I have asked americollect to establish validity of the service date by sending me a copy of my drivers license and HIPPA consent to treat contract signed by the alleged creditor. I have not been provided this information to substantiate the claim. I believe it is unfair that I had not been given proper notice of this alleged debt and I have suffered financially because of this. I maintain " very good credit '' and I would have attempted to settle this debt if it was a valid debt I owed. Now it's too late to handle this account in a satisfactory manner to avoid harm to my credit because the company chose not to send me any notice the alleged debt was owed.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

identity Theft Complaint to the Consumer Financial Protection Bureau ( CFPB ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding instances of identity theft that have adversely affected my credit report. The personal information listed below pertains to accounts that I did not open, they are the result of identity theft. 
i have been disputing these accounts over 2 years, XXXX. **Account Information : ** - Account Name : XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. I did not open this account and did not give consent for its creation. 

XXXX. **Account Information : ** - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

XXXX. **Account Information : ** - Account Name : XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

XXXX. **Account Information : ** - Account Name : XXXX XXXXXXXX - Account Number : XXXX XXXX Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

XXXX. **Account Information : ** - Account Name : XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

I request your prompt assistance in investigating these matters and taking appropriate actions to rectify the inaccuracies on my credit report resulting from these fraudulent accounts. Additionally, I would appreciate guidance on any steps I should take to further protect my identity and prevent any future unauthorized activities. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Consumer complaint received 2020-10-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I believe that I'm being harassed by the mortgage home preservation specialist pursuant to their second initiating documents requesting for information, after the mortgage company placed my mortgage account in a extended short-term payment suspension ( forbearance ), from mid XXXX until XXXX, which then a response required.
Consumer complaint received 2019-06-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (KY)

I filled out an application with XXXX XXXX of Loan depot at the beginning of XX/XX/XXXX. We began communication about my loan application XX/XX/2019 at that time i emailed him the requested information of my pay-stubs so he could determine my hours worked. I then contacted XXXX again via text on XX/XX/XXXX asking is there anymore info needed as i have not heard back from him since i filled out the application. At that time he asked how much we would be able to put towards a down payment. I let him know at that moment i had XXXX in savings. On XX/XX/2019 XXXX emailed me a screenshot of a pre-approval letter because we.Between this time we had been in communication on different homes we had found. He even set us up with a agent to look at homes. When we found a home that we liked per XXXX we were all good to go under a contract with the seller. We gave our XXXX earnest money  and had an inspection and apprasal done on the home. After not hearing back from XXXX as to the status of a closing date or any information as far as where we are in the process. XXXX very rudely told me he did not work for me and disconnected the call. I then called the customer service and was given contact information of his supervisor XXXX XXXX. XXXX went on to tell me my application was denied. No one was able to explain why we got an inspection and apprasial on a house we could not get. Now Mr XXXX is not answering my question of when i will recieve my refund as he asked me to provide him with proof of payment.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (VA)

HOME DEPOT CREDIT SERIVICES reported an inquiry on my credit report without my knowledge nor written disclosure regarding such report being made. The company also failed to provide me with the option to opt out of sharing my information.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Employers : XXXX XXXX  Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX XXXX XXXX Former : XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As : XXXX, XXXX, XXXX Name : XXXX XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2019-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

XXXX XXXX account added to credit report for amount of {$2700.00}. Then later updated as a collection account through internal collections, XXXX XXXX XXXX. Verification nor validation received upon request. Later received a collection debt letter from ERC, dated XX/XX/2018 stating that they were authorized to resolve account for less than amount owed for {$1700.00}. I sent a validation request to ERC. Received a response letter from XXXX XXXX dated XX/XX/2018 stating that it ( the letter ) received serves as validation that I owe a debt to XXXX XXXX. No documentation was received showing proof of validation.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP (NY)

On XX/XX/XXXX I was supposed to get a direct deposit of XXXX. I woke up to get money from the ATM with success. Afterwards I tried to pay my phone bill and it said my bank was declining my purchase. I called to find out why and it said my balance was XXXX. I was confused because I just received my Deposit that morning. I spoke with several key bank employees who told me that their was a XXXX XXXX transaction that I didnt make. They also informed me that whoever got my card information was trying to withdraw money since XX/XX/XXXX but with no success because I didnt have money. I contacted them about a provisional credit and they refuse. I literally dont have XXXX XXXX! I never gave me card info out! Idk how someone got my card information! I couldnt pay my phone bill that week or buy my kids food! I literally only get XXXX a week and someone Took it XXXX if it!
Consumer complaint received 2020-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

**BEWARE** VENMO Has horrible customer service!!!!! 

Venmo requested I forward my DL for verification, I have sent in the requested documents and now Its under review I have {$100.00} I can not access and considering I am living in a hotel right now if I dont get this money I will be on the street with a newborn. THE AGENTS ARE USLESS! They arent willing to help you and they refuse to go above and beyond for a client.
Consumer complaint received 2024-02-07
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. (CO)

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. Equifax and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as Equifax and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to Equifax, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet Equifax and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which Equifax and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2020-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CA)

My vehicle was total loss in XXXX. My Insurance paid out the vehicle to the finance company but still had an amount owed which the gap insurance I purchased from them should have covered. The gap insurance did not want to cover the rest of the amount which was about {$800.00}. XXXX My GAP contract has been cancelled without my authorization ) I was advised in the contract it states that we're interest not covered by gap insurance which was not disclosed to me at the time of purchase or when I filed the claim. I reviewed my gap insurance contract and I do not see that statement on there. I have called the finance company multiple times and no one can give me an answer on a why it's not covering if it doesn't state it on the contract they tell me to call different phone numbers which refer me back to the same line and no one can give me answers. I have also sent out a message through my inbox on my account and no one has responded and that been over a month when it states they would get back to me within 2 days. They are damaging my credit Now by saying my payments are late and reporting that to the credit bureau meanwhile they can not answer any of my questions.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

I tried to get my annual credit report from Equifax on XX/XX/XXXX. After asking several questions all of which the answer was " none of the above '' the website said " We are not able to deliver your free Equifax Annual Credit Report online. ". 

I then tried to use my.equifax.com service which was provided as the breach settlement. Attempts to login gave " We are temporarily unable to complete this request. ". 

I tried both of these again on XX/XX/XXXX with the same result. That inability does not appear temporary. 

Also because of the login failure I am unable to freeze or unfreeze my credit. 

I believe they are in violation of several rules by denying these online features.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have 2 credit cards - Citi Premier Credit Card and Citi Costco Anywhere Credit card issued by Citi. Both cards are expired this year & I received notification from Citi that the cards won't be reissued due to " bankruptcy or a charge-off on another credit card account issued by Citi ''. When I received the notice, I immediately called Citi to inquiry and try to solve the issue to prevent my credit card account being closed. As for record, I do not have bankruptcy or charge off from any  credit card issued to me in the past. On XX/XX/2020, I faxed a credit report I pulled from XXXX  from XX/XX/2020 to Citi to show proof that the reason they denied my credit card renewal is incorrect. However, Citi didn't properly address my inquiry and as of result of it, my Citi Premier Credit Card was closed after XX/XX/2020. I was about to do a mortgage refinance and obtain 2 new credit cards from XXXX XXXX   and XXXX in between XXXX - XX/XX/2020. So I am simply don't understand why Citi won't reissue the credit card and Citi couldn't provide the proof which stated about the bankruptcy/charge off when I asked for. 
It is such a frustrating experience to deal with Citi Credit Card department about such incident when I clearly understand that they make a mistake and I am being proactively to address the issue.
Consumer complaint received 2018-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

XX/XX/2017-Refinanced higher interest loans while leaving lower interest loans by using XXXX for the total amount of {$190000.00}. 
Navient incorrectly received and allocated funds to loans that were paid by XXXX. 

After 2 months of reaching out to Navient to correctly allocate payments, Navient finally allocated the missing {$25000.00} of payments from XXXX to the correct loans. 

However, in doing so, Navient has now increased the principal amounts of other loans that were not refinanced by almost the same amount, {$24000.00}. Existing loans that were not part of the refinance now have incorrect principal amounts greater than the original amounts. This is a clear and blatant action from Navient to falsely alter other loan balances. I have proof of all loan balances before and after Navient 's adjustment that were illegally changed without my approval or knowledge. 

Navient continues to refuse my claims of improper payment allocations and refuse to accept any evidence to support my claims. I have taken screenshots, printed PDF copies of all my loans during the refinance process.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : I C SYSTEM INC XXXX XXXX XXXX XXXX