davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (NY)

On XXXX/XXXX/19, I submitted an application to open a savings account following an online targeted ad. The website instructed me to call to customer service. Customer agent XXXX instructed me to send a copy of my drivers license to the banks email address ( unsecured ) to complete verification. I followed up on XXXX/XXXX/19 : representative XXXX escalated my case to supervisors XXXX and XXXX who promised to come up with the decision by XXXX/XXXX/19. On XXXX/XXXX/19, representative XXXX informed me that XXXX made a decision not to process my application because their internal system was unable to generate questions to verify my identity. XXXX refused to use alternative methods of verification ( statements from other banks, text messages on registered phone, copies of other forms of ID or credit cards ). Vio bank refused to send me an official letter explaining the reasons for denial. 1 ) The banks actions violate my FCRA rights. 2 ) Their verification protocol has disparate impact ( based on race and national origin ). The bank refused to open my account as a result of this discriminatory protocol, thus violating my civil rights. 3 ) The bank exposed me to increased risk of identity theft by forcing me to send them a copy of my DL through unsecured channels, even though they knew or should have known that my DL would not have affected their decision. 4 ) Representative XXXX refused to transfer me to their legal team stating that only litigants represented by accredited attorneys have that privilege.
Consumer complaint received 2019-06-24
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)

I AM VICTIM OF AN IDENTITY THEFT, I HAVE CONTACTED THE CREDITOR AND THERE IS NO NEW ACCOUNTS UNDER MY NAME. I HAVE SENT MY IDENTITY THEFT REPORT TO EQUIFAX FOR OVER A MONTH AND THEY HAVE NOT PROCESSED MY REQUEST TO REMOVE THE FRAUDULENT ITEM FROM MY CREDIT REPORT.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

To whom it may concern : I have requested several times for this entity to provide me with the resources used to verify these XXXX accounts which they have not provided to me as of XX/XX/2022. 

I am aware as they are that they are violating my rights as a consumer. I am requesting the method and information that was used to " verify/validate '' these accounts that I have listed below. I have allotted XXXX  days for this information to be sent to me. I have removed the account numbers as requested by you all at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (AR)

To whom it may concern : I have requested several times for this entity to provide me with the resources used to verify these XXXX accounts which they have not provided to me as of XX/XX/2022. 

I am aware as they are that they are violating my rights as a consumer. I am requesting the method and information that was used to " verify/validate '' these accounts that I have listed below. I have allotted XXXX  days for this information to be sent to me. I have removed the account numbers as requested by you all at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NM)

My account with Barclaycard was charged off in XX/XX/2018. I was contacted by the company that bought the debt and started to make payments. In XXXX of this year I was unable to continue to make payments and notified the collection agency I had been working for and they stopped payments due to financial hardship. Last month I talked with a mortgage lender who stated I would need to settle the debt. Over a 5 day period I called Barclaycard in excess of 50 times trying to settle the debt. I was informed by Barclaycard that XXXX had my debt and that I needed to call them directly. I called them directly and they politely told me that Barclaycard recalled my debt on XXXX. When I called Barclaycard back I would be either transferred automatically to XXXX or I was told that Barclaycard couldnt help me because Their system showed that XXXX has the debt. Through a process of being passed through 3 levels of management I was connected with what I was told was the highest authority figure on the phone who stated that Barclaycard is unable to tell me who has my debt at this moment, and that they are not able to help me as it was charged off. They denied to put in writing or provide me with any way to know who has my debt. The managers name was XXXX operator number XXXX. He said repeatedly that he was unable to provide proof of who has my debt other than XXXX. He further instructed me to wait 30 to 60 days for the next company to get the debt. XXXX was unable to answer how he knew this when he couldnt verify to me that Barclaycard was in possession of my debt, and that it has been six months since XXXX had my debt as well. XXXX refused my request to attempt to pay my debt at this time.
Consumer complaint received 2022-07-07
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. (PA)

I am submitting this on my own behalf, no third party is involved. This company, Experian, has ignored and/or not address properly the 5 correspondences that I have sent them to have a bankruptcy record on my report DELETED. They could not show proof of their investigation and how it was verified, and they also MUST delete it because it had multiple inaccuracies which I proved by showing them the consumer reports from the 3 CRAs. I gave them my written authorization to get this item deleted and they need to comply. 2 of the few violations they have taken while investigating my request are included in the attached invoice.
Consumer complaint received 2022-07-07
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: WELLS FARGO & COMPANY (TX)

I have sent 4 letters to Wellfargo Credit Card services since XXXX to request a full validated of information being reported to the 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) The most recent letter was was sent via certified mail on XX/XX/XXXX. However, wellsfargo has yet to directly respond to any letters within the last year despite sending the mail receipt back in 2 instances. In the letters I have requested validation of information being reported on my credit report, what entity furnished the information, and an accurate 1099C that reflects the full reported amount owed to properly amend my tax returns.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I few months back for first time pulled my credit report and I seen that XXXX was on my credit report I have never got a account with them or appiled or ever even used them I disputed the account and they sent me a letter stating they investigated it and came back to me and I never received the method of verified information on how it would even be possible they could since I know I never opened this account! I also then sent my FTC report and they again sent me same letter the sent month or so before that they fount this is my account but never any information on how this is fount to be when I know this isnt my account. I sent them my ftc report and the FTC rights and still reporting and to top it off not only reporting a account that isnt mine but also reporting inaccurate information on my report for this account also. stating it is a closed account but keeps updated to different items and late payments which how can you have late payments on a closed account? This company is violation of my rights from me sending my ftc report. From never receiving their proof of how this is fount to be my account because no information was sent to me and also reporting inconsistencies information on my report on equifax. I will upload all the inconsistencies and also I sent them again a email with my ftc report. Stating last payments where made on one date and on another report a whole few months off on another for last payment when I know this isnt my account so I know Ive never made a payment to account never opened or knew about and also opened days of account inconsistencies and also closed dates are inconsistencies this account is violation of my rights and needs deleted now!
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (MD)

I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me XXXX  and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

I'm not in my situation by choice. I didn't create this!
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SOFI TECHNOLOGIES, INC. (GA)

Back in XXXXXXXX XXXX XXXX, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called XXXX, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit  cards. Only credit cards that I have is from XXXX XXXX. But I saw 3-4 fraud accounts from XXXX SOFI BANK XXXX  and XXXX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX XXXX XXXX I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time I request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in 7-10 business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (AZ)

On XX/XX/2023, my Apple Card account through XXXX  XXXX  was restricted and spending was blocked from my account. Over the last XXXX weeks I have talked to representatives from XXXX  XXXX  over XXXX times about what I needed to do to lift the restriction on my account. They will not put me in touch with someone who will resolve the issue on the spot. Instead, they say I have to wait until they review it and wait for one of their representatives to call me. Ive repeated this process several times but XXXX  XXXX  has not called me back or attempted to unrestricted my Apple Card account.
Consumer complaint received 2022-07-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

XX/XX/XXXX XXXX received letter cancelling auction on XX/XX/2022 XX/XX/2022 - was told that on that date Carrington communicated with their lawyer to proceed with auction XX/XX/2022 - received conditional short sale approval. Spoke with Carrington Mortgage. Company to return call with instructions. Spoke with XXXX who is in the closing department not the short sale. 

XX/XX/2022 - Mortgage company attorney XXXX  ( XXXX XXXX ) went into court ( XXXX XXXX ) and had judge approve auction for XX/XX/2022. Homeowners ( XXXX XXXX & XXXX XXXX ) were NOT aware of this date but Carrington attorney states we were and proceeded with getting Judge approval. 

Why did mortgage company proceed with auction on XX/XX/2022 but approved conditional short sale on XX/XX/2022. When calling mortgage company they continued to say it was a mistake. Home was auctioned today and we will be going to court to file an appearance and motion to vacate sale of home to proceed with short sale as agreed on XX/XX/2022 verbally on a recorded line with Carrington Mortgage We never received any documentation regarding the auction on XX/XX/2022 which coincides with not being made aware of court on XX/XX/2022. Last court date we had in XXXX we had 90 days to do as we which. We completed a XXXX and that resulted in the Short Sale Approvel which was confirmed and accepted on XX/XX/2022.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (WA)

The Fair Credit Reporting Act, under 15 U.S.C. 1681, Section 602 ( a ), mandates that consumer reporting agencies like XXXX, XXXX, and XXXX uphold their significant duties in a manner that is fair, impartial, and mindful of a consumer 's right to privacy. As the Consumer, I am entitled to ensure that my personal data remains confidential, a right supported by 15 U.S.C. 6801, which articulates Congress 's stance that financial institutions must actively and continuously honor their customers ' privacy and secure their sensitive personal information.

The entity providing information to credit agencies qualifies as a financial institution according to this statute. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clarifies that a consumer reporting agency may only provide a consumer report when explicitly authorized by the consumer 's written consent. Neither XXXX, XXXX, XXXX, nor the furnisher of information to these agencies possesses my permission written or otherwise to disseminate my information. 

I hereby revoke all forms of consent previously given to XXXX and the furnisher of information to credit agencies, be it verbal, non-verbal, written, implied, or otherwise. According to 15 U.S.C. 6802 ( b ) ( c ), a financial institution is prohibited from disclosing a consumer 's nonpublic personal information to unrelated third parties without first informing the consumer of their right to opt out of such disclosure, which I was never informed of.

Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from reporting any adverse information older than seven years, with certain exceptions. The adverse account they are reporting does not have my consent and is, therefore, unlawful.

In addition, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no one may provide information to a consumer reporting agency if they know or suspect it to be inaccurate. 15 U.S.C. 1681e requires these agencies to implement reasonable procedures to prevent violations and restrict report furnishing to authorized purposes, which XXXX is failing to do. 

Lastly, as per 12 CFR 1016.7, I have the perpetual right to opt out, which I am exercising now by opting out of your reporting services.is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (MN)

I want Synovus to immediately close my Synovus First Digital Credit Card Account and immediately my personal information from their records database. I want my Synovus First Digital Credit Card Account immediately closed. Additionally, I Synovus to send notification to XXXX XXXX, XXXX and XXXX to have XXXX XXXX, XXXX and XXXX to immediately delete and remove the Synovus First Digital Credit Card Account from my credit report. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY (CO)

Last year, around XXXX we contacted towne mortgage in regards to a drastic payment increase. The payment was {$1000.00}, and increased to {$1800.00} with no warning or notice until this bill. We were informed the reason for the drastic increase was an increase in Insurance payments on XX/XX/2018 ( payment increased to {$4800.00} from {$1300.00} ) and we were NOT notified of this until we received the new notice for billing in XXXX. Upon them telling us this, we asked for options to help as we could not afford the current payment as it was more than one paycheck and we would be late every month cause this amount was not available to us. We were told to shop and change insurances which we did, finding a much cheaper plan at XXXX. We were told to get the refund from the old insurance and pay the new premium, which we did. We called and informed towne mortgage of this, and was told the payment would be adjusted when the account was reviewed upon receiving new insurance information. and the amount we had been behind in escrow paid off. It is now XXXX and I have contacted you'll again and nothing has changed. I was informed today however the reason it didn't change sooner as that we never sent in anything showing we paid insurance. HOWEVER you'll already have the new insurance information on file on your website, including when its due and how much!. My escrow however was NEVER adjusted to reflect this change. This has caused an undue hardship on our family, due to a constant struggle to afford the mortgage, and repeatedly receiving late fees as I do not make enough to make the payment in one pay period. I have spoken with you'll on a few occasions through the year, and was never informed this should have been fixed or how to. If my escrow account had been corrected when this was all discovered, not only would the stress of the situation have been resolved, but the late fees would have been avoided. We have accrued and paid you'll ( Towne Mortgage ) 100 's in late fees due to this error not being corrected to the escrow amount. we are demanding this be fixed immediately, adjusting the monthly escrow payment, and also expect a refund for the late fees due to this, as we made it aware to you'll multiple times over the past year we were unable to afford this amount, and NEVER was this corrected or told to us how to correct the issue. Currently our escrow is scheduled to be overfunded by the end of the year with the current payments, and with the expected new payment due to the amount already overpaid. We would like this refunded ASAP also.