davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (WA)

Upgrade Card is refusing to close my account and provide documentation that the account is closed. Initial request was sent XX/XX/XXXX and email was received that the account closure will take 5-7 business days. It is not XX/XX/XXXX and the account still shows as being active with each representative stating that the account is being in the process of being closed without further elaborating or providing documentation it is being done just that. I have spoken with three different team leads on eddy - XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX who all refused to provide immediate documentation that the account is closed but insist it is being in the process of being closed. 

I am at my wits end here and have exhausted all possible avenues on getting this resolved with no changes made from Upgrade 's side. Please note the account has been fully paid since XX/XX/XXXX and have not been used since.
Consumer complaint received 2021-08-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

Attached please find proof of payments from bank account of XXXX  XXXX XXXX. This account was never late. All payments were made every single month. Also, I am awaiting for my Affidavit of Truth to be answered, every Fact in the Affidavit needs to be answered.
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (OH)

I have not received a contract with my agreement to this. 
When was it generated, if ever? 

Also, I'm seeking possible litigation as I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once. 

Regards,
Consumer complaint received 2022-03-16
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. And also unauthorized use of my credit report
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX  willfully failed to comply with the requirements imposed under SUBCHAPTER III of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX I am demanding monetary relief for the damages above or I will file suit in federal court within the next 14 days if my demands are not met. This is not a negotiation.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My information was impacted by the XXXXXXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Reached out to Chase regarding keeping our account open. The account was 86 days past due and I was told by 2 different reps that if the additional {$300.00} was paid same day, the account would not be closed. I paid a total of {$570.00} in 2 days and then they closed the account even though the payment posting date was XX/XX/28 as they instructed me to do. Now they are saying it was a glitch but they are not able to reopen the account because it fell 90 days past due even though the payment was made with them over the phone to avoid falling 90 days past due. 

I feel lied to. They wanted {$600.00}, they got it and closed the account anyway. I want the account re-opened as they promised. Both calls were recorded and the rep today could see where I did everything I was supposed to do.
Consumer complaint received 2017-09-08
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. (MA)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. 

Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. 

The company set up a website, XXXX, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. I used this site and was prompted with the message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

My XXXX XXXX XXXX XXXX XXXX XXXX  foreclosure, I paid the requested amount and was provide with a mortgage statement on XX/XX/22 showing a XXXX balance. Then this week I was sent a letter stating that there is still almost XXXX due. I have spent almost XXXX hours on the phone recieving bad information or being told that they could not help me and being transferred multiple times.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KS)

After the Equifax breach, I was informed by their own site that a vast amount of my personal private information was released in the breach. Their mishandling of my information puts me at risk for identity theft and at the very least I want to be able to freeze my credit before a problem occurs, rather than after a problem occurs when I would have a police report.
Consumer complaint received 2017-09-08
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. (MD)

On Friday, XXXX, I became aware of the Equifax data breach/hack that happened between XX/XX/XXXX and XXXX of 2017. Using their victim identification site, equifaxsecurity2017.com, I was listed as a potential victim. My information, along with the information of hundreds of millions of Americans, was clearly mishandled by Equifax and puts us all at risk of identity theft and the negative consequences of that. 

Furthermore, Equifax was negligent in its handling of alerting potential victims. Not only did Equifax not notify anyone quickly enough, it has admitted it will not notify everyone. Furthermore, credit freezing should be done free of charge and not require a police report to be free. It is absurd to require a police report when the damages of identity theft can occur much sooner than knowing a crime has been committed.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (NC)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-03-16
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. (TN)

On XX/XX/XXXX and XX/XX/XXXX, I certified mailed Experian a packet of information that included an identity theft report, copies of SSN, driver 's license, proof of address ( for identification purposes ), and a cover letter stating that there were 2 fraudulent accounts, Discover ending in XXXX and XXXX XXXX  ending in XXXX, inaccurately reporting on personal credit report and I demanded them get removed. At first they complied and removed both fradulent accounts but last month, in XXXX, Experian said they did investigations and supposdely " verified '' that those fradulent accounts were mine, even though I was never contacted by them to ever provide any sort of " verification. '' It looks like Experian had reached out to XXXX and XXXX who they say is the furnisher of each of the accounts and used them to determine " verification ''. But according to the FCRA, only I can verify that type of information. Since they reinserted the accounts of this and now both fradulent accoutns are still reporting on my personal credit report which is continuing to cause harm to my reputation, stress and disruption in my life, and blocking me from bettering my life further, I certified mailed Experian an affidavit of truth one for each account with all exhibits mailed to them up to that point and explained how they illegally reinserted the 2 fradulent accounts back onto my personal credit report. These were mailed on XX/XX/XXXX. They havent even sent me a response or complied and they received both on XX/XX/XXXX.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union is reporting an incorrect bankruptcy on my credit history. It is not mine. I sent documentation. They stated they verified it. They did not. The Court DOES NOT give any information to ANY outside sources. They never provided me proof this belongs to me under FCRA they are required to do so.
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (FL)

I have disputed my inquiries with XXXX, XXXX, and Experian several times over the last year with no results. I have never authorized nor consented to inquiries from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to furnish any information/inquiries on my consumer report.
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed my inquiries with XXXX, Transunion, and XXXX several times over the last year with no results. I have never authorized nor consented to inquiries from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to furnish any information/inquiries on my consumer report.
Consumer complaint received 2022-03-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CA)

My private student loan came due in XXXX of XXXX. At that time I was unable to make the roughly {$300.00} payment. I chatted with Sallie Mae and asked if there were possibly any repayment options available to me ( this was before the due date ) and they had told me my only option was to go into forbearrance. I did that and that pushed the payment out until XX/XX/XXXX and interest was still compounded in that time. Once again the payment comes due in XXXX and once again there is no money in my budget to pay the now due loan payment. ( Currently in my budget it's the choice of eating or paying my student loans, to put things into perspective. ) I chat again with them and make them aware of my situation to find out that they now offer re-payment options after interest has already compounded in the forebearrance time. I was appaled to say the least, since that's the exact lawsuit XXXX is going through. They provide me contact information to submit a Hardships application, which I tried multiple times to get ahold of that department and every attempt I have been able to make, they are too busy taking other calls/chats and I have record of that as well. All in this time they are harassing my SO and I with calls and emails about making a payment. Sallie Mae needs to be sued along with XXXX as they are doing the same deceptive practices and this can not go on any longer.
Consumer complaint received 2022-03-16
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: CITIBANK, N.A. (CA)

Fraudulent inquiries made under my social security number that needs to be removed. 
1.XXXX XXXX dated XX/XX/XXXX 2. XXXX  XXXX XXXX dated XX/XX/XXXX 3. XXXX XXXX dated XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I'M LOOKING FOR SOME ASSISTANCE WITH DEALING WITH A COUPLE OF FRAUDULENT ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT. THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE I WAS HOPING TO GET THEM REMOVED FROM MY REPORT AS SOON AS POSSIBLE BECAUSE IT'S CAUSING ME STRESS AND KEEPING ME FROM BEING ABLE TO BUY A NEW HOME.
Consumer complaint received 2017-09-08
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. (TX)

Equifax failed to protect some of my most personal/sensitive information with their recent mass-leakage. A company like this should be held to the highest of standards when it comes to data security. This type of leakage is just plain unacceptable -- it should *never* happen with a company like this. Now, I will have to commit hours of my own personal time to mitigate my own risk and I definitely lose sleep over this.
Consumer complaint received 2017-09-08
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. (IA)

Equifax has allowed my credit history and ssn to be breached and did not notify me. They have known about this issue for months and are only now being exposed for it. They are a heinous company and should not be trusted with anyone 's information.
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MS)

I reached out to them on XX/XX/18 about incorrectly reported information via certified mail the information was received on XX/XX/18. It is now XX/XX/18 and I have not heard back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2017-09-08
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. (KY)

My information was accessed from the Equifax Security Breach. 

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Consumer complaint received 2017-09-08
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. (MO)

Equifax allowed the entirety of my personal information as it regards to credit to become public knowledge. I did not authorize my information to be shared with anyone -- let alone the general public.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BB&T CORPORATION (WV)

On XX/XX/XXXX I logged into my BB & T XXXX rewards account to find that I had received a {$100.00} account credit. I was curious why I received this credit so I contacted customer support who instructed me that I had indeed been granted a {$100.00} reward credit and that I would be receiving a letter soon explaining the situation. About a week later I received the letter stating I had received the credit as part of a " quality audit. '' I then redeemed the reward credit and had the money applied to my account. On XX/XX/XXXX nearly a month after receiving the credit it was recended. I then contacted BB & T support to see what was going on. I was instructed that it was a mistake affecting hundreds of customers and it would take several months to resolve. My reward account now sits in the negative and it is unclear when it will be resolved.
Consumer complaint received 2022-03-16
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: EQUIFAX, INC. (FL)

I have disputed my inquiries with Equifax, XXXX, and XXXX several times over the last year with no results. I have never authorized nor consented to inquiries from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to furnish any information/inquiries on my consumer report.