davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-04-12
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. (NC)

I previously sent a dispute letter to XXXX  and Equifax dated XX/XX/XXXX, letting them know that I was a victim of identity theft and the XXXX XXXX XXXX charge/offs needs to be removed, but neither Bureau hasn't yet responded after 30 days, so now I'm filing this complaint because, federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was advised to contact you regarding some items on my credit that are not mine. I'm really trying to purchase a family home and this has been holding me up as I didnt know how to approach it at first. I have contacted the FTC and the police here. Please have these items removed from my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2019-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC (NJ)

Apex Asset Management is trying to collect a debt that is not mine. I have attempted numerous attempts to get them to remove this from my credit report. Also, per written correspondence from The State of New Jersey ( see attached ), they are not even bonded, as per law. They should be fined and jail time, per the statues. They need to removed this from my credit report within 30 days, or this is going to the Attorney General and I will sue. Thank you.
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (NY)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Discover, for committing Fraud. I have never given Discover, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have sent in a Legal Tender payment coupon to company in XX/XX/ 2022. Company did not apply my payment and closed my account without giving reason or notice. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid, and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. U.C.C 3-602/U.C.C 3-603/U.C.C 3-311/U.C.C 3-419/U.C.C 1-308/12 USC 411/ According to pervious response company claims and I quote We can accept late payments, partial payments or payments marked payment in full or with any other restrictive endorsement without losing any of our rights under the Agreement. Additionally, you must pay in U.S. dollars.. Discover conducts regular review of our customer accounts and on XX/XX/, 2022, in accordance with the terms and conditions of the Cardmember Agreement which state ; Which seem to be false information. To my understanding according to the payment information on the back of the slip it states : Send only your allowable form of payment ( " Payment '' ) and the bottom portion of this statement in the envelope provided, after affixing postage. Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed if you send cash or correspondence with your Payments This brings a lot of confusion and sounds like fraud actively have occurred by your company. The company stated I must pay in U.S dollar and I know that a U.S dollar is Legal Tender. Legal tender as the currency of a nation in the form of paper money. Legal tender is considered valid for payment of any financial obligations. Legal tender is a form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is legal tender, but essentially it is anything which when offered ( " tendered '' ) in payment of a debt extinguishes the debt. The act of tendering the payment in legal tender discharges the debt.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SUNRISE CREDIT SERVICES, INC (MD)

Do have dates but I know well and that bill was not incurred by me, would glad be would come off my credit report in order to use my credit again for business and other things.
Consumer complaint received 2019-06-03
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. (AL)

From XX/XX/2019 I been disputing a bankruptcy offf my report belonging to someone else with the proper paper work Equifax will not remove this at all I won't them to deleted this man bankruptcy off my file they have deleted his name and kept the bankruptcy I included all supporting documentation from this in close is new information from XXXX showing they didn't get any respond back from Equifax when they tried to investigate with them on the matter of investigation with them
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (MS)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST CITIZENS BANCSHARES, INC. (WI)

I have a loan with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-03-27
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

I received a letter from XXXX XXXX regarding my account- the letter stated that my account would be closed due to recently updated information on my credit report. I called the creditor and asked what was going on. The lady who I spoke to explained that my account was being closed due to a late payment from a different creditor being updated as 30 days late- I explained to the lady that the late payment from the different creditor was incorrect, it was a system error and it's being updated soon- I also explained I had documentation to prove it. I explained that if she reviewed my credit report holistically that she would see the dispute and the remarks. She became rude and said " Well, okay- the account would have still closed because the credit usage is high '' - I then explained, it's high because my credit limit was dropped by their company and that I haven't paid the balance off because I am on a promotional plan. She became VERY aggressive and short with me saying that NO MATTER WHAT the account was going to be closed because I am a " risk ''. I explained that I have had my account with the company for YEARS, I have never paid LATE, and I have made several purchases with my card and I have NEVER had these issues until the late payment ( Which is NOW removed and updated on my report ) was added. She refused to listen- she did not attempt to assist me with an appeal of anything. PLEASE PULL THIS CALL. - The rep 's name I spoke to was XXXX ID # XXXX. Please be sure to coach her on customer service, relating, and just overall checking for understanding.
Consumer complaint received 2022-07-22
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (FL)

I submitted a student loan application to Sallie May and denied me twice. I asked for a supervisor 3 weeks ago and never called. I wanted to escalate this situation to the appropriate department to show that I really need this loan to my only opportunity that I will from an education. Salie May wants a co-signer and I don't have anyone. My classes start this Monday.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (NY)

On XX/XX/2022 I initiated a credit card application through Penfed Credit Union for their Pathfinder Rewards Visa Signature Card. However, I decided that the card was not a right one for me and sent a request to stop the application process. I never received a reply and I got the credit card. When the card arrived in the mail, I contacted the bank again to close the account and get the {$95.00} annual fee reversed. I never activated nor used the card. The representative confirmed that the account was closed and fee reversed. Today, I received notification that my credit has been adversely affected due to non-payment of the fee that should have been reversed. I reached out to the bank multiple times between XXXX and now to get resolution but never heard back.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (WI)

I have a loan with XXXX XXXX XXXX, XXXX XXXX, and DISCOVER FIN SVCS LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and DISCOVER FIN SVCS LLC with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-07-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL (SC)

I have received multiple XXXX  threats on myself and my family if I did not pay off my {$300.00} balance. I reached out to the company to let them know that they just threaten me, I got no email or call instead they reported something on my credit. 

I paid off my balance in full, I dont want to XXXX over {$300.00} and neither does my family. I have requested to have my account closed permanently and asked for no communication from them going forward.
Consumer complaint received 2019-06-03
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. (LA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX   XXXX ;
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (FL)

I recently pull my credit report and noticed a few accounts on there that was open fraudulently. I before reach out to the credit bureaus i took the time to reach out to the company and they could not verify any information. I am a victim of identity theft, i did not consent to, authorize nor benefit from any of the following accounts. Block and delete them.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK (MD)

On XX/XX/2023 I received a Discover credit card in my mail that I did not apply for. It had my accurate first name and address, but was taken out in my maiden name. I called Discover on XX/XX/2023 and closed the account. On the same day, I also received a letter from USPS indicating that I had requested a change of address, which I never had. I filed an online dispute for this on XX/XX/2023. After this, I put a fraud alert on myself through XXXX. I also filed a police report.
Consumer complaint received 2022-11-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MO)

I received a call from a representative that works for amerisave on XX/XX/XXXX. The representative assured me that he could lock in a rate and beat any rate I was offered. I paid {$500.00} for a rate lock and received it in my email a few days later showing I was approved for a loan for {$190000.00} at a locked interest rate of 4.375 %. The letter showed that I was eligible for this rate lock until XX/XX/2022. This morning I was informed that they couldnt honor their rate lock and that my interest rate would be going up 1 % to 5.375 % even though Im still in my rate lock period. The letter also states that I would be guaranteed a {$1500.00} payment if the loan failed to close. Well, it didnt close because my rate was changed on me and they refused to fund my loan at the agreed upon rate but was told that I would not be receiving this {$1500.00} payment. This lender also ran my credit without my permission on XX/XX/2022. This company is using very deceitful practices with their certified preapproval letters and their rate lock system.
Consumer complaint received 2020-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

1st call XX/XX/2020 - I received a voice mail on a business voice mail from XXXX XXXX w/ this " supposed company '' ( XXXX XXXX XXXX ). I found the message very rude ... .intimidating and threatening by using verbiage like 'local county processor ', 'mediators ' and 'time sensitive ' and the forcefulness in her voice. I spoke to a female, who would not let me get a word in, then transferred me to the " attorney '' XXXX XXXX. 
He was extremely rude & threatening. He would not let me say much of anything, constantly talking over me. The supposed debit is over 10 years old. I haven't lived at the address they gave for me in at least 15 years. 
2nd call XX/XX/2020 - Message left by XXXX XXXX, same as described above. 
3rd call XX/XX/2020 - XXXX XXXX. Same as above.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Granite Edvance Corporation (MA)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: MIDFIRST BANK (MN)

Midland Mortgage is stating I am in a forbearance when I am not ; I used a Covid relief and have since repaid all of my back mortgage and they are reporting on my credit report I am in forbearance. It is causing financial hardship on me. I need help. Under the Covid relief plan it states they are not suppose to report it on your credit report.
Consumer complaint received 2021-04-13
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 (NJ)

Ive been unfairly locked out of my PayPal account. Ive had the account for almost ten years, which they recently claimed to have given me a {$20.00} credit for due to loyalty but I cant even access my balance to pay my bills every month. This can lead to late fees or me possibly ruining my living situation as Im counting on that money to get by. Ive set up Face ID and also tried to confirm my mobile number to help secure my account, the latter attempt being denied most likely because I have a prepaid phone number even though the website never indicated those as ineligible. Ive called several times to confirm and verify my identity but I ended getting hung up on, stuck in the automation system or not getting a call back at all. Ive also messaged them. Ive even had them tell me to contact them during business hours while I was contacting them during business hours. I just need help with this because its ridiculous and Im really just trying to do good business. My emails linked to my PayPal account are : XXXX XXXX XXXX
Consumer complaint received 2021-06-10
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. ()

My identiry has been stolen and Experian know this because I told XXXX XXXX an Experian investigater. Again on my Experian Credit Report is an entry linked to XXXX XXXX XXXX XXXX XXXX XXXX updated on the XX/XX/XXXX this is not my property it is my ex husbands property XXXX XXXX I divorced in XX/XX/XXXX. XXXX XXXX XXXX is nothing whatsoever to do with me. Another entry shows my address as XXXX XXXX XXXX linked to XXXX XXXX XXXX, I do NOT have any finance with XXXX this is fraudulent and do not live at XXXX XXXX XXXX.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IL)

I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, XXXX XXXX XXXX, who sent the last bill to my current address. There was an account number XXXX for Comenity BankXXXX XXXX. The XXXX XXXX XXXX is number for the account is XXXX. The balance was written off as {$910.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & this account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the Comenity account number is XXXX. This Comenity Bank/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. Whoever opened this account was up to date on payments. This could have been a positive effect on my credit history. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.
Consumer complaint received 2020-07-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RFNA, LP (LA)

This company reported incorrect information to the credit bureaus for almost 3 years. Since they have now updated my account to reflect that actual balance at {$0.00} it has negatively affected my credit scores. They need to delete the record from all bureaus due to their error. They caused my credit scores to drop due to their reporting error. I am trying to get a mortgage they have now hindered that process doe to their mistake.