davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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)

Hello, my name is XXXX XXXX and I am a victim of identity theft. I noticed the following problems on the date of XX/XX/XXXX, XXXX, Equifax, and XXXX have furnished my consumer report without my consent in any way/form. My nonpublic personal information has now been shared through companies. Congress says, the consumer has the right to privacy and as a consumer the burials have gone against my rights and the laws rights! These credit bureaus are failing in protecting my information and are going against the LAW! The Fair Credit Reporting Act was made to ensure fairness and THE CONSUMERS RIGHTS TO PRIVACY THIS IS A DIRECT VIOLATION OF THE GRAMM LEACH BLILIEY ACT OF 1999! I am sending out this letter to have the following information deleted from my credit report instantly. Unfortunately I am a victim of my identity being taken, and I also have not made the following change. I demand the following items listed in this report be deleted from my credit report as soon as possible. I have reported the theft of my identity to the federal trade commission, I have also sent out a report through the CFPB and the XXXX XXXX XXXX  and below are the copied attachments for your keeping. Please delete the following information as asked asap THANK YOU! 




ACCOUNT NAME : 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 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (CA)

I am the XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I need my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I need my credit report clean and all the negative stuff removed that's not mine that I submitted so many documents time and time over again dispute at the dispute I mailed some supporting documents the tracking number is as follow XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is over my XXXX XXXX XXXX XXXX XXXX my bank is XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank I would like to show them for XXXX XXXX for cutting off my credit card without my permission I had a secured credit card my credit score increased and it was time to increase the limit and they closed the account I feel it was XXXX XXXX  they also sold my mother 's mortgage loan without her permission which was fraud I sent all the supporting documents I would like for all of this to be investigated from the fraud department in any other department that would be able to help us with this matter we are trying to expand our business and help house the homeless in the issues we experience with Wells Fargo is holding us back XXXX XXXX and XXXX failed to comply with the federal laws of removing the inaccurate information on my and my mother 's credit report we have sent many letters and it has costed us a lot of money and we would like to pursue legal actions to get money for the money we wasted on trying to get our credit report right I also made police reports for reports all of the stuff they instructed me to do and they have failed to get us up-to-date credit reports with the right reporting information and it is holding us back from getting our business to the next level get in the home equity loan to buy a building to house the homeless veterans
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NJ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TN)

In XX/XX/XXXX I went to XXXX XXXX in XXXX Texas to purchase a pair of shoes. Upon paying at the cash register I was asked if I would like to apply for a XX/XX/XXXX credit card, I said they will not approve me. She insisted I try and so I did and it was approved for {$400.00} dollars. I thought I was getting a JC Penney credit card. Upon using the card to purchase a microwave and a mini refrigerator, I began to receive a bill for the purchased from Synchrony Bank Orlando Florida. Upon missing a payment they began sending text messages attempting to coerce me into giving them my account number and routing number. They would send a message stating " " make a payment. ''
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

I disputed XXXX debts XXXX with XXXX XXXX XXXX XXXX confirming that this third party collector has not record of this debt within their system, and with XXXX XXXX XXXX with Experian confirming that this debt was paid for on XX/XX/2016. They never resolved my disputes and I am requesting that you see to it they remove XXXX XXXX XXXX XXXX debt with all XXXX bureaus, and that XXXX XXXX XXXX with Experian reflects " paid '' with a " {$0.00} '' balance.
Consumer complaint received 2022-11-11
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: I.C. System, Inc. (OH)

After removing a false collections claim from I.C Systems from XXXX and XXXX, XXXX has now started showing a collections debt on my report. My parents received a letter at their house in XXXX ( I live in XXXX  ) that I had a debt to XXXX and if it wasn't paid by XXXX XX/XX/2022 it was going to collections. 

I called XXXX and paid immediately. On XX/XX/2022. A whole month before IC Systems deadline. I have sent XXXX on XXXX separate occasions proof of payment and that the collections claim is false, but they come back with it being verified each time. IC Systems is falsely reporting this debt and it is negatively effecting my life. 

I called XXXX after the first time this hit my credit report, and they claimed they had not yet sent the letter that the debt had been paid to I.C Systems, but would. However it would take 60 days for it to reach IC systems, this was on XX/XX/2022, it is now XX/XX/2022. 

I will note that the nature of the debt was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you will see on the statement credit of XXXXXXXX XXXX XXXXXXXX informed me if the missing XXXX XXXX were returned they would refund the XXXX I paid to them, which they did. 

Like with XXXX, I will be willing to involve a lawyer if necessary. This is a bogus debt collection.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (DE)

I applied to Better Mortgage Corporation to refinance my mortgage via a total online process. I have consistently held a credit score above XXXX for years and have been paying my mortgage to the same company ( not Better ) for 15 years without a late or skipped payment. I have worked for the same company for almost 3 years as an intermittent employee where I work on projects until they end and then start another. 
I also collect a small pension and social security benefits. I was able to lock in a very good rate with Better to refinance 2.375 % for 20 year fixed. XX/XX/XXXX I had locked the rate and it was good until XX/XX/XXXX. 
I was told on XX/XX/XXXX that my application was denied because of insufficient income. 
Due to company closings during the pandemic I had collected unemployment twice ; once for 2 months early XXXX and then again XXXX - XXXX of this year. The Better company would not consider my income because of the breaks of collecting unemployment. I researched XXXX and XXXX and saw the refiNow program for which I qualified for being in the low income bracket. When I spoke with my mortgage rep to ask why underwriting would not reconsider taking my earned income, excellent credit scores and the fact that I would be paying less every month with the new mortgage I was told that my employer said that I may not be hired for more than a couple more years. I believe this was said because of my age XXXX and I don't believe my company said any such thing. He said for me to reapply again. I responded that I would not get that great rate again ( he agreed ) and why would I bother. It seems like that I was denied because the rates increased and Better mortgage would not be able to make a profit selling my loan. If the guidelines of the refiNow program state that earned income does not count due to the pandemic and collecting unemployment I would not be concerned but I am fully aware that many people had lost jobs, collected unemployment and some never returned to work. I thought the refiNow program was to assist people like myself.
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (PA)

In XXXX I opened an account with Citi Bank. I deposited a check in the amount of {$10000.00} into my account. I waited the required 10 days for my check to clear which it did. I was using my card to make gas purchases, pay bills and the such. I made a purchase from XXXX in XXXX of XXXX I believe in which Citi Bank called my phone and asked me was I making a purchase in which I stated to them yes and verified my information. A few days later Citi Bank contacted me and told me that they were closing my account and I ask why In which I was told they had to review my account. I stated to them that if they were closing my account please refund my funds which at that time was {$7600.00}. I was told I would be contacted in XXXX business days. I recieved a letter a month later stated that my accounts were restored but they still had a hold on my funds and the it was closed again in XXXX of XXXX. As of XXXX until now, XXXX of XXXX they have had my funds and send letters occassionally were funds were taken out for different fees but I still didn't have access to my money. I was sent a letter, XXXX of XXXX about my closed account and that now my balance is {$3100.00}. I immediately called Citi Bank at theses numbers XXXX & XXXX and was given no help and the runaround after spending over 3 1/2 hours on the phone with them. They didn't even want to look for my account and kept saying they couldn't find it and send me to another department in which another CSR Rep finds everything in my accounts but my money and then tells me I'm in the wrong department and sent me elsewhere.
Consumer complaint received 2019-12-11
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: Neon Newco Corporation (IL)

Netspend sent me an unsolicited card in the mail leaving me susceptible to fraud. I received an email explaining that they were sending me a card and that I needed to activate it immediately. Only problem is I did not request a card from them nor did I fill out an application for a card nor did I request to become a customer of their bank. Netspend repeatedly sent me unwanted emails putting pressure on me to activate the card. I have excellent credit and do not need a prepaid credit card. I also take ID theft and my data security very seriously which is why I am filing this complaint. Someone could have intercepted the card and activated it. The card and any future transaction would then be done in my name and on my credit. I also could not tell if someone was sending me a gift card or if the card was an actual credit card. All communication was driving me to activate the card for the sole purpose of putting me in a position to pay fees to Netspend. My main concern is the fact that I never initiated any of this activity. I did not contact Netspend or fill out an application to receive one of their products. They had no problem exposing me to fraud
Consumer complaint received 2023-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

I was shopping online XXXX. Had a TV in my cart, applied at Affirm. Was approved, decided not to purchased and did not purchased the TV. Affirm has billed me and after multiple calls and letters, they still refuse to refunded my money. I've been making payments since XXXX. XXXX has tried several times to let Affirm know there is no purchase record of a TV but they have ignored their requests.
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-16
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. (NC)

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFTS ACCOUNTS ASAP!!! 

XXXX XXXX - {$4600.00} - Collection/Chargeoff - all XXXX DEPTEDXXXX XXXX - {$0.00} - LATE PAYMENT - XXXX, XXXX DP OF EDUC XXXX - LATE PAYMENT - EQ XXXX XXXX XXXX - {$0.00} - Collection/Chargeoff - EQ XXXX XXXX - {$2300.00} - Collection/Chargeoff - all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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 2022-10-01
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: FIRST NATIONAL BANK OF OMAHA (FL)

On XXXX I received my FNBO XXXX XXXX XXXX statement. On this statement I earned XXXX points. However, my XXXX has not been updated with the points as off XXXX. I have called repeatedly to have this matter resolved to no avail. FNBO refers to XXXX and XXXX refers to FNBO.
Consumer complaint received 2015-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Viking Client Services (PA)

I do not have a reason for a debt collector to call me. One message has been left and when I XXXX the number is seems from other it is not legitimate. They are just trying to collect personal information. The numbers are XXXX XXXX XXXX and XXXX XXXX XXXX constantly calling.
Consumer complaint received 2022-11-11
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 sent a letter on XX/XX/22 to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXXXXXX Balance : {$7000.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00}
Consumer complaint received 2019-12-11
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: LEXISNEXIS (MI)

THIS IS NOT A DUPLICATE COMPLAINT AND NEEDS TO BE READ!

Wednesday, XX/XX/XXXX

ALSO SENT VIA CERTIFIED U.S. MAIL
RETURN RECEIPT REQUESTED


LexisNexis
Consumer Service Center
XXXX XXXX XXXX
XXXX, GA. XXXX

Re: Acct # XXXX
      
REQUESTING IMMEDIATE REMOVAL OF BANKRUPTCY.


To whom it may concern,

I have recently made several requests via certified mail and online complaint’s to LexisNexis, XXXX  & the Consumer Protection Bureau to remove a bankruptcy from LexisNexis & XXXX. In my last complaint to the consumer protection bureau I stated the following:

“According to the Fair Credit Reporting Act (FCRA) a Chapter XXXX bankruptcy “CAN” remain on your credit history for “up to 10-years” from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some “KEY PHRASES” in that statement that need to be clarified:
1.	"Can" - The FCRA does not require that a bankruptcy remains on your credit report a full decade.
2.	"Up to" - Again, 10 years is “not a legal minimum, it is the maximum.” So, legally, bankruptcy can be removed from a credit report before that limit is reached. As I expressed before I am attempting to apply for a mortgage and this is having an impact on obtaining a fair interest rate.
3.	XXXX  and XXXX  have both removed this several months ago upon request.

Therefore, I am requesting that LexisNexis follow suit as XXXX  & XXXX  have done and removed this from my credit history.  This negative bankruptcy is due to be removed in XX/XX/XXXX just a couple of months away. I would like to close my home loan with an affordable interest rate before then.
I would, therefore, request that you please do not send me a template letter in response to this request and expect to receive a response within 10 days of receipt of this letter and expect to see the item in question permanently expunged from my record.
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully,


XXXX XXXX XXXX


CC: XXXX XXXX XXXX XXXX
      XXXX XXXX XXXX XXXX      XXXX, MI. XXXX
      XXXX
Consumer complaint received 2019-12-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Sorry no options to choose for my case you can make correction I have appointment with XXXX XXXX City bank Day Monday XXXX time XXXX XXXX  to XXXX XXXX  Location XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX To complete something me and XXXX XXXX we spoke about it Friday I went to the bank and I started with XXXX XXXX at XXXX after 8-10 mint female from the bank she was next to us at another computer she came and talked to me I answer all the questions and I continue with XXXX XXXX And after 7 mint she came back and talk to me again I told XXXX XXXX I dont wont to talk to that lady I have appointment with you can you do your job with me please XXXX XXXX she sad yes before I leave the bank I ask XXXX XXXX if I can file a complain about the female she came twice and talk to me XXXX XXXX she sad yes I ask XXXX XXXX if she can give me the name for that female XXXX XXXX she write the name for that female in the back of the business card the one for XXXX XXXX that happen during the appointment before XXXX non Before I walk out side the city bank I told XXXX XXXX I am not happy about the way that female was talking to me and please she not alow to do any thing under my name or my account or my appeal or my disputed or my social security number When I finish my appointment immediately when I was at the side walk of the street I could not read the name the one XXXX XXXX give it to me I write email to XXXX XXXX The email I send to XXXX XXXX exactly Hi City bank XXXX Day Monday time XXXX non XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Reson have appointment with XXXX XXXX Thank you for your help I would like to ask about 1- if my new appeal been send successfully or no 2- I ask you about the name for that woman she came ant talk to me if you can send me the name because I couldnt read it 3- she not alow to do any thing under my name or my account or my appeal or my disputed or my social security number 4- I hope If you can speak with city bank   management about what happen The end of the email I send to Please send me the name She email me the name ( XXXX XXXX ) At XXXX XXXX I reserved missed call from number XXXX ( XXXX ) XXXX At XXXX I have one more call from XXXX ( XXXX ) XXXX I answer the phone ( XXXX XXXX ) she calling me???.! 

And she ask me about my appeal I ask XXXX XXXX 1- why she call me 2- how she get my number 3- I told her she not alow to contact with me I will attached 1-the photo of the name for XXXX   XXXX  the one XXXX XXXX give it to me 2- photos of the screen shots for the missed call from XXXX XXXX  3- photos of the screen shots for the phone call from XXXX XXXX