davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

As it pertains to the credit bureau of XXXX, Equifax, and XXXX and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX XXXX XXXX report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

I applied for a Home Depot/Citibank credit card on XX/XX/19. Application Reference # XXXX. I have a credit score of XXXX and no debt. I just purchased a home and I was in the store to purchase a Fridge and blinds. I applied online and I was told to go to the store to have the store associate contact citibank. Citibank advised that I need to bring a credit card for identity verification. I went home and retrieved my XXXX XXXX   Shops credit card and returned to the store. At which point ; they requested another credit card for additional verification which I thought was ridiculous considering this was not advised before. They denied my application for reasons i can only assume was due to discrimination.I contacted all 3 credit bureaus and each representative stated that there is no reason why I be denied for credit. Please advise
Consumer complaint received 2018-01-27
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)

on XX/XX/2017 XXXX XXXX sent me an email to view current auto refinance rates. I viewed the link to see what the current rates were and it sent my information to " XXXX XXXX '' and " XXXX XXXX XXXX '' as a hard inquiry and dropped my score by 52 points! I never filled out any applications to do this. I disputed the inquiry with the credit bureaus and the hard inquiry was removed but my score remains the same. I want my points to be added back to my credit score.
Consumer complaint received 2019-03-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (DC)

In XX/XX/XXXX, I closed out my account with XXXX XXXX which I had an account with for many years using their internet service. However, at some point i decided to leave XXXX and asked for a final bill. The final bill came with cost stating I owed them {$110.00} dollars to close out the account. I disputed this amount based on my last bill prior to closing out this account with number XXXX. 

XXXX telephone number - XXXX After not receiving a new and final bill all this time at least over the last 18 months I finally get a debt collector sending me a final bill which only meant they decided without prior notice to send this to a debt collector. I received a letter in the mail from the collector called Southwest Credit located in XXXX, TX Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Creditor : XXXX Southwest Reference number - XXXX Offered Amount to close account {$77.00} Today, XX/XX/XXXX. I called and spoke with Southwest credit about attempting to undermine my credit and leave a negative impact on my credit report. I also contacted XXXX with the same thought process. 

It is my intention to not have this affect my credit negatively and I want both to close out this account. 

I want XXXX to contact the credit bureaus and clear up this matter with all 3 active credit reporting agencies. 

Upon receipt of my check for the full amount to resolve this debt. Within the time frame of no less than 15 days. Or the next reporting date. 

I want XXXX and Southwest Credit to send me validation that this matter is closed and my credit report has been cleared. Not just " stated paid '' I want it removed.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

I applied for a chase XXXX rewards premier plus card via XXXX ( where the offer was initially made ) XXXX XXXX XXXX  and than I was redirected to chase on the XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). Application was processed and approved as per online application. I was than stated that I was going to received the card in about 7 business days. I now today XX/XX/XXXX access my account and noticed an annual fee was applied for {$95.00} when the offer I applied for was for a {$0.00} intro annual fee for the first year, then {$95.00} after the first year has passed and a {$200.00} credit after first purchase within 3 months from account opening. I contacted chase today to verify what is going on and the first agent mentioned the offer is not valid online via chase at it seemed the site may have not  updated it on their end and therefore being an old offer and the other answer was that they don't know what happened and that I was redirected to another site that wasn't offering the promotion. As a XXXX myself and working as well in XXXX  this is an unacceptable answer. I spoke to the supervisor XXXX and I mentioned to her my credit was ran therefore affecting me as an individual because it was ran for a useless purpose. She stated there is nothing she can do and can not give the {$200.00} credit offer nor reverse the {$95.00} fee. It is upsetting that such a huge company could care less for their consumers and needless to say have consideration and accept the responsibility of their incompetent system if that is the case. I take this personal as I am a person with a good withstanding credit and I would have not applied if it wasn't because of the offer was there. To me this is false advertisement and misleading as once again I applied mainly to take advantage of the offer being made otherwise I would have not applied. As a consumer is only shows me that I can't trust companies and it's insulting as a consumers because they are very dismissive without a care to the individual.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX : Account number : XXXX, This inquiry is unauthorized. Please DELETE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX, This inquiry is unauthorized Please DELETE!
Consumer complaint received 2019-01-03
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. (NJ)

Here are List of inquiries desired to be deleted, Their customer service would not help and take care of the negative inquiries reporting to my credit report for XXXX XXXX They gave me an attitude about speak with there manager. 

XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XX/XX/XXXX XXXX/ XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX # XX/XX/XXXX
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 — Their investigation did not fix an error on your report
Company: Specialized Loan Servicing Holdings LLC (FL)

This complaint was closed and the errors were not corrected Complaint XXXX SLS continues to ignore the fact that they are reporting a Closed Account as Active which causing me not to qualify for a home loan. Ive been trying so hard with SLS to no avail.. 

I need the information being reported corrected or deleted. Asap. 

Calculated using XXXX XXXX Provided by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Show more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Here 's every account on your XXXX report. Click on the account name for more details. 

XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$28000.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$23000.00} In good standing Show closed ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$69.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$300.00} In good standing XXXX XXXX & Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$2300.00} In good standing XXXX XXXX XXXX  Reported XXXX XXXX XXXX, XXXX + {$1100.00} In good standing XXXX  Reported : XXXX XXXX, XXXX + {$3000.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$3000.00} In good standing Show closed ( XXXX ) XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX ( REMOVE ) - {$0.00} Closed Overview You have 0 % left to pay on this real estate loan. 

XXXX {$0.00} XXXX XXXX $ 207000 Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX Youve made 99 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Closed Type Conventional RE Mortgage Responsibility Individual Account. 
Remarks Foreclosure Account previously in dispute - Now resolved by data furnisher Times XX/XX/XXXX days late XXXX Closed No Info
Consumer complaint received 2018-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I went to a local branch of CHASE bank where I have a checking and savings account ( minimum balance of {$15000.00} maintained to avoid monthly charges ) and a couple of XXXX credit cards ( XXXX and CHASE Freedom ) and completed a new credit card application with a customer service representative. I have nothing negative to say about the representative or the branch manager who I also spoke with briefly. 


I was applying for the CHASE XXXX XXXX XXXX XXXX. I told them that I had been denied the card when I had previously applied for it last XX/XX/XXXX. I thought I'd reapply for it since it had been 8 months since the denial. The branch people did not discourage me from reapplying. They even called the credit card department and got a non-committal response from them. The reason for my optimism was that my FICO score during this entire 8-month period has been over XXXX and has been to the best of my recollection always rated Excellent ever since I recall checking my scores. 


Today, I received another rejection letter. The only reason given was that there were " too many credit cards opened in the last two years associated with you. '' I thought that the FICO score already reflected my having " too many credit cards opened in the recent past. '' In spite of that, my FICO score is and has always been exceptionally high. Incidentally, I did an honest analysis of my financial status using your XXXX XXXX XXXX and scored a respectable XXXX.
Consumer complaint received 2019-01-04
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)

I got my loan through Sallie Mae, it was then bought by Navient. I paid my loans out. I received a letter saying it was paid. Done. Then two years later, Navient sent me two letters saying I still owe {$500.00} after interest. I paid my loan off. Now theyre claiming I still owe.
Consumer complaint received 2019-01-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NV)

In XX/XX/2016, I took out a {$13000.00} medical procedures loan with a 24 month 0 % interest rate if paid by direct withdraw on time. 20 months into the loan when I was bale to pay balance early, I was told the loan had an 18 month repay timeline ( my paper work says 24 ) and they had added {$12000.00} interest. 

CareCredit refuses to provide proof of any authorization to change agreed upon term, or provide a detailed ledger accounting of charges attached to my account.
Consumer complaint received 2023-07-27
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX
Consumer complaint received 2023-07-27
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-07-19
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX. XXXX, XXXX 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 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MI)

On XXXX  i had made a purchase for two stainless steel automatic watches. They were apparently custom watches of highest quality which were made to look like XXXX style watches. I had ordered them and paid {$1300.00} using my Discover credit card. I received a package from XXXX which either way only contained ONE watch and not two that i ordered so that issue number 1. 

With the watch i did receive, it was nothing like what was shown in the images and it was a cheap XXXX  branded fake that i think anyone with any type of eye sight could see. I did NOT order a XXXX   or replica watch. 

XXXX sided in my favor but for some reason did not refund my money, i forwarded this to Discover but they did not care. They also did not care about receiving only ONE of the TWO watches i ordered and still insist in charging me {$1300.00} and saying the charge is valid. The seller responded by saying he did not sell a counterfeit XXXX  but a XXXX  XXXX but if you search online ... a XXXX  XXXX is a high quality counterfeit XXXX. I had reported the listing and seller which was removed and they banned the seller from XXXX  YET discover still believes the charge was valid though i only receive one of the two watches i ordered and provided them pictures of the counterfeit product which i would say its illegal for them to say this counterfeit product is a valid charge. 

i offered to file a police report and they still did not care. They are saying i did NOT return the product but thats due to XXXX  not asking me to return anything. PLUS it is illegal to use the united states postal service to mail counterfeit products especially overseas. 

i was not told by anyone to mail anything back nor did the seller request this single watch back. They said i received a empty box in the report when i clearly sent pictures of the single counterfeit XXXX replica i received. 

The seller is a liar from a foreign country that is clearly committing fraud and looks like Discover is encouraging it
Consumer complaint received 2023-07-27
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. (NY)

I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (MO)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.