davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

After logging into or out of my Citi credit card account, Citi had a window pop up on the screen asking me to verify my income. This happened about every other time I logged in or logged out, for a period of several months. When I first began to receive these pop up windows, there was no amount given for my income. My choices were either update my income or not update my income. But as time went on, the pop up window changed. The new pop up windows said my income was XXXX and my XXXX choices were to either confirm my XXXX income, or change my XXXX income. When the window popped up upon login, I could not proceed. When the window popped up after attempting to log out, I could not log out. 
On XX/XX/XXXX I phoned Citi, explained to the representative what the problem was, and asked for this to cease. The representative said she would send email to the proper department stating my request. 
The next day, XX/XX/XXXX, after logging in, I again received the pop up windows asking for my income. That day, I sent XXXX messages to Citi via their website, and received XXXX responses. The final response from Citi stated, " Providing the income information is optional. We have XXXX the online requests for this information. '' On XX/XX/XXXX, when I tried logging out of my Citi account, I was prevented from doing so. The same logout pop up window appeared that I had written to Citi about on XX/XX/XXXX - the pop up that was supposed to be XXXX ( along with the login pop up window ). 
The logout pop up window says the following ( and is similar to the login pop up window ), " Total Annual Income {$0.00} Examples : Salary, wages, interest, dividends, rental income, retirement benefits. If you are XXXX or older, you may include income from others that you can reasonably access to pay your bills. Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. Monthly Mortgage/Rent Payment {$0.00} Make Changes MY INFO IS CORRECT ''
Consumer complaint received 2023-04-14
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. (AZ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX ; XXXX has violated my rights. XXXX5 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 a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate. 
Please investigate this account a d verify everything is 100 % accurate or remove.
Consumer complaint received 2022-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation (TX)

United Revenue was recently paid for the debt of {$250.00} that was originally filed by XXXX XXXXXXXX XXXX. 

United Revenue told me at the time I paid the debt that they would immediately email all three credit reporting agencies to have this information removed from my credit file. 

As of today, XXXX the collection account still shows on my credit report!!!!!!! 

Account name UNITED REVENUE CORP Account number XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I am not an attorney. This description is in reference to my own personal experience that I've had with ERC and how they have failed to uphold the FDCPA. ERC attained my location information without my permission and contacted me at a time that was inconvenient to me to threaten to take action against me that would be a detriment to my reputation and livelihood by furnishing false and negative information on my consumer report. I assumed the vital role of my life and requested a Debt Validation from ERC sent on XX/XX/2021. It was received by them on XX/XX/2021. After 160 days, I still have not received any of the documentation I requested to have the alleged debt validated. They were supposed to respond within 30 days of receipt. They, instead, called me and used obscene language to attempt to get me to pay an alleged debt they say I owe, but refuse to validate, and claimed that the FDCPA did not apply to their company making statements like " we don't need your information to furnish items on your report and never get permission before we do ''. They continued to harass me by sending me mail to my address without my permission. In this mail, is the logo of the debt collection company, mischaracterized balances meant to mislead me, several instances of threats, and several instances of obscene language. I've had an official Affidavit of Truth notarized and sent to ERC outlining the ways they've violated me that they have also failed to acknowledge. This leads me to believe that they are well aware of the ways they have violated me and agree that what I have just described is entirely true as they continue to willfully violate my rights by avoiding my specified remedy.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting 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 2020-10-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2016-05-09
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

My daughter in law recently answered a XXXX add for a used car. The seller said that he was a XXXX ( which is theft of valor and a federal offense! ) and if she sent the first half of the money ( {$2000.00} ), he would have his XXXX drive the vehicle to her. She sent the money through money gram ( who only has a 30 min. Guarantee ), a week later when she did n't receive the car, all of the sellers information was gone and money grams guarantee period was over.
Consumer complaint received 2017-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (SC)

I was approved through a program called XXXX program that grant or dissolve student loan debt if you are XXXX. I was approved on XX/XX/2014. So, they sent a XXXX to file for the debt but I also file bankruptcy in the same month. Now since I disputed my concerns with Department of Education/Nelnet they are putting negative information on my credit report because I have received several credit alerts were they are saying I am 120 days late. They should been paid through the XXXX program but now they are sending negative remarks to my credit report. I would like to have this investigated and if they are wrong I would like to have all Nelnet accounts deleted from my credit report immediately. I received a total of XXXX credit alerts in 4 days about this company. They are trying to hurt my credit score.
Consumer complaint received 2020-10-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-11-03
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: EQUIFAX, INC. (CA)

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block these items from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have XXXX business days to complete this request.
Consumer complaint received 2016-08-17
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (LA)

Money 's was taken from my Direct Express account XX/XX/XXXX without my authorization. I immediately made phone contact with Direct Express via Cell phone and reported the incident. Paperwork was sent via Post which I filled out and returned via the USPS. I shortly received a letter advising that my claim had been denied and case closed due to Direct Express stating that they did not receive the requested information from me. I again sent the forms on XXXX XXXX 2016 via USPS Tracking # XXXX XXXX XXXX XXXX XXXX. I received receipt conformation delivery of XXXX XXXX 2016 by XXXX XXXX. XXXX. Upon receiving the denial I spoke with Direct Express via phone in ref. to Direct Express resending the forms to me, @ which time I was advised by Direct Express that my claim would be reopen when the before mentioned forms were received by Direct Express. I made phone contact with Direct Express on XXXX XXXX 2016 and spoke with XXXX @ XXXX hrs and was transfered by XXXX and spoke with XXXX @ XXXX hrs. At that time XXXX advised me that there was no info available on the status of my claim reopened/not reopened, and who was assigned to investigate. I was also advised by XXXX that there was no time limit on how long it would take to complete (? Why was my case closed without all info received if time is not a factor? ). At that time I made a verbal request to XXXX that the current status of my claim be sent to me in writing. As of this date XXXX XXXX. I have not received my request. I am currently behind on my financial obligations, I am a XXXX Veteran and live on a fixed income. I feel as if I am being victimized all over again. I do not plan to continue with Direct Express because I no longer trust them. I went with Direct Express because the Federal Government recommend them.
Consumer complaint received 2015-06-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Harvard Collections, LLC (CT)

I was told by the credit bureaus that the original creditor rejected to remove any negative reporting as well as updating my balance to reflect XXXX despite providing me with a letter stating they would do so. I feel the creditor is sending me in circles because when I call to check the status of my dispute and to get more info on the process, they say that my account has been submitted to their sector that handles these claims and there is no way to speak to them and I have to just wait for a response. This has gone on for a number of months and I do n't believe this is legal or right to do so. I feel I have taken the steps provided to me and still nothing has happened.
Consumer complaint received 2023-04-14
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/ Balance : {$17000.00}
Consumer complaint received 2022-09-06
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/2021 I was trying to order a pizza with my existing NON CREDIT Paypal account. Upon checkout, I was not given any warnings nor did I consent to a credit card application. I found out that PayPal signed me up for a new credit card to make the charge. All communication about this was sent to my junk email and I never submitted the appropriate information ( PII, SSN, DOB ). The card was opened and I found out two weeks later from a XXXX XXXX email. Upon realizing this, I immediately logged into paypal - saw this new card, contacted the company, closed the card and the balance. While talking to a representative, I mentioned the confusion and how i was not informed nor was it my intention to open a card. The representative from PayPal responded saying it was probably an add or an auto-checked box in paypal that signed me up and there was nothing I could do to fix the hard inquiry, new line of credit or this because it wasn't really " fraud ''. Incredibly disappointing at just how misleading this situation was that a new line of credit was opened in my name without my informed consent and with extremely misleading advertising.
Consumer complaint received 2017-02-10
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc (OK)

Upon pulling a credit report I discovered this account and have written XXXX separate disputes between XX/XX/XXXX- XX/XX/XXXX. I have received two letters back showing original creditor and amount owed without proof of account such as identification or signature that belongs to me. Upon calling today XX/XX/XXXX I spoke with XXXX different representatives and still no resolve. I refused to verify any information due to the account not belonging to me. I also repeatedly asked for the procedure that I need to follow to get his taken care of. I was told that I could not be helped unless I was willing to verify my identity. I was also hung up on after trying to get the proper information for 14 minutes. This account is fraudulent and I have repeatedly expressed this to the company. At this point they have not helped me and this is something that is not only damaging my credit but also preventing me from purchasing a home for my family.
Consumer complaint received 2020-10-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (OK)

I received a letter from speedy cash debt collection dept threatening to sue me over old debt and also said that if I didn't respond wuthin seven days my bank accounts would be seized thru major credit bureaus and that I was under investigation. They are asking for way more money than the orginal supposed debt. I received this email on XX/XX/XXXX of XXXX
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I disputed this account with the lender on several occasions. The account is more than 7 years old and contains negative information that is impacting my FICO score so it must be removed as of XXXX. It shows the last date of activity was XXXX and the account closed in XXXX. According to FTC / FCRA, negative information must be remove after 7 years of the last activity which would make the removal date be XXXX. Its not a bankruptcy or a judgment so it is past the reporting period of 7 years. I spoke with a service rep and a supervisor at XXXX on the phone on XXXX at XXXX informing them both of the dispute and the unsatisfactory results. XXXX stated the account will remain and would not be removed regardless of the negative history and the the account being reported as more than " 120 days delinquent '' and a " charge-off '' status because the lender is reporting the account status of " paid and closed '' which makes the account a non-negative account in good standing. 
I want all of the negative history removed from the account or the account removed from my credit file. See my note in red on the attached pdf artifact file.
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank closed my Walmart Credit Card based on information over 3 months old and has in the past taken action on old information causing serious harm to my credit score. Every time I had any available balance they would immediately lower my credit limit so there was nothing available again. Every reason they quoted for closure has revolved less than 10 days after the date of the info they used and was updated on the credit report claim to have used, they chose to use old info to validate their decision instead of the current info, when I called & contested the decision they told me there was nothing they would do, They also are the bank on my Old Navy card & have taken similar actions in the past, lowering my credit limit so there was nothing available regardless of actual history on that card. They lowered it over {$500.00} in one month alone and continued taking similar actions.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account # XXXX - XXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my instructions
Consumer complaint received 2017-02-17
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Credit Card Receivables Fund Incorporated (FL)

I have a settlement that I am paying off through Attorney XXXX at XXXX, FL XXXX. 

The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.
Consumer complaint received 2016-09-30
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Account Outsourcing Group, LLC (NY)

1st called me on my cell, made arrangements to make a payment 1st payment was made XX/XX/XXXX, which bounce back but also made two pay arrangements XX/XX/XXXX which this ladies has my bank information and theirs funds in, but they never took it out which I do n't understand but the this hole time they been calling me, my job server all times, I 've asked them to stop calling my job, since I work in retail and a cashier, taking care of customers I put this lady on hold and somthing happen, then my boss is asking who keeps calling, so that I got into trouble n I 've been repeatly told her that I 'm busy I ca n't take personal calls or I 'm going to get fired. She kept saying yelling at me and going on, and on, and on why I ca n't handle it right now or she kept asking when to call back. She ask why I do n't pick up or call back? And when I do call back their number does n't even work. So I do n't understand that on their end. I work both jobs, a mother, and I have a sick mother in the hospital, plus I do n't carry my phone all the time. I have to take care of my customer first. But kept asking personal question to why I do n't answer. If they have my info and bank account to take the money I do n't understand why this lady keeps calling about. Just take their money