davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act these accounts below have violated my rights. 

15 U.S.C 1681section 602A states I have the rights 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.. 


XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$80000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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. (AL)

On XXXX I sent XXXX A LETTER DISPUTING THE VALIDITY OF THE BANKRUCPTCY THEY ARE REPORTING ON MY CREDIT REPORT. THEY RESPONDED WITH A LETTER STATING THAT THEY " VERIFIED '' THIS ITEM THROUGH XXXX XXXX. I WENT DIRECTLY TO XXXX XXXX TO DISPUTE THE ITEM IN QUESTION AND XXXX COULD NOT VERIFY THIS ITEM SO THEY DELETED IT FROM THEIR DATABASE. 

I THEN. WENT BACK TO XXXX ON XXXX AND SHOWED THEM THE DELETED BANKRUPTCY FROM XXXX XXXX INFORMING THEM THAT IF THEY COULD NOT REVEAL HOW THEY TRULY VERIFIED THIS ITEM THEN IT NEEDS TO BE DELETED ACCORDING TO THE FCRA. THEY HAVE ONCE AGAIN REFUSED TO DELETE THIS ITEM WHICH IS IMPLODING ON MY ABLITY TO PURCHASE A HOME AND CAUSING ME TO PAY THOUSANDS MORE IN INTEREST EVERY YEAR. 

THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.
Consumer complaint received 2022-11-26
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 (OH)

Account number ending in XXXX Case Number : XXXX XX/XX/2022 Purchased USED video card from XXXX XXXX  that was cost {$1100.00} using my Discover card. XXXX sent me a different video card from the one I purchased. I looked online reviews of the XXXX XXXX  and it's 2 out 5 stars, people are complaining about different issues with used items sold at XXXX XXXX. I contacted XXXX multiple times in regards to returning the video card back to them, but XXXX is not providing me with the return label nor the return shipping address so I can ship it back to them. Contacted Discover card and filed the dispute, sent the pictures of the video card received, multiple explanations and documents proving that I receive the wrong item and still Discover charged me for the wrong item I received from the merchant, with no explanation whatsoever from XXXX why the wrong item was shipped to me. Paying more than {$1000.00} for the item and not having it is ridicules and Discover did absolutely TOTALY ZERO to protect their customer.
Consumer complaint received 2022-06-24
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: Self Financial Inc. (VA)

Ive closed and cashed out this credit card and Im still being harassed and threatened causing me stress through emails.. under title 15 1692k Im eligible for compensation due to there violations upon me as a consumer
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

We are once more requesting to have our closed XXXX XXXX XXXX account corrected. 

This has been an ongoing problem, in that our closed ( XX/XX/XXXX ) car account has been used to suppress our credit score. 

The closed account has been updated many times now and it seems to always return to being a problem. The account shows it being closed XX/XX/XXXX, yet it has payment history going on to XX/XX/XXXX. The " TERMS '' used or should be showing Terms : 48 but is now blank. The CLOSED ( XX/XX/XXXX ) account is now showing : NEW ACCOUNT. 

Can this be address and locked as to prevent known further suppressing of my credit score
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

In mid-XXXX and again in mid-XXXX I used the official annual credit report phone number to order a free credit report from Equifax. I never received the free credit report or an explanation of why it wasnt delivered. Ive used this method for years and never had a problem. Can someone please tell me why Im not getting my free credit report?
Consumer complaint received 2019-02-16
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: CITIBANK, N.A. (IL)

I have been steadily and on time, paying down my balance when I was suddenly hit with an interest charge of {$780.00} on XX/XX/2019. This on a balance of {$1400.00}. 
Up until this month, XX/XX/2019, my previous monthly interest charges would range in the $ 20- {$30.00} range.I scarcely use the card in the last 12 months and have committed to paying it completely off and closing the account. 
In addition to the additional {$780.00} fee, my balance has now been pushed over my assigned limit, so yet another fee of an " over limit '' charge of {$35.00} was added to my 'debt '. Coincidentally I'm sure, I am unable to download to file or even view these insane finance charges per usual with the easy to read pdf format, as I have always been able to do up until to this charge had been added. I have a paperless account. 
I have called their customer service and spoken with a representative " XXXX '', who stated the charges are accurate and will stay. So I must pay the amount or suffer the consequences. Please help me! XXXX XXXX
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX # XXXX, Dept of education/XXXX  # XXXX, XXXX XXXX university # XXXX, Us Dist ct # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Child Support # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # 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 2022-08-22
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. (DE)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (OK)

I have a letter from XXXX XXXX reference # XXXX. Describing how I've been turned down for a pay pal credit account. The BIG problem is I never applied for a pay pal credit account?? This is very alarming as to who is using my personal information and how did they get it?
Consumer complaint received 2022-09-19
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: BARCLAYS BANK DELAWARE (PA)

I added an authorized user to my account on XX/XX/2022. Because I monitored the spending by spending by getting emails Sent to me letting me know when a purchase was made this was made unfortunately the company did not have where they can send me text alerts. I called on XX/XX/XXXX spoke to an agent requested that my credit limit from {$1000.00} Be decrease to {$500.00} she stated that I needed to bring the balance under that to decrease I did exactly what was told had my account decreased and advised for no authorization for any credit increases. On XX/XX/XXXX the authorized user had rented a car from XXXX they held {$520.00} at that time. On XX/XX/XXXX I also locked the authorized user 's card so he could no longer make any purchases. When I paid off the balance of {$490.00} to bring my card balance to XXXX On XXXX the XXXX. I was told by XXXX from XX/XX/XXXX they requested a {$130.00} they were declined from XX/XX/XXXX until XXXX the XXXX after that on XXXX the XXXX XXXX XXXX pay them XXXX How did that happen I only had a {$500.00} credit limit that is 7 times over the allowed amount. I need this resolved. No one can explain why they paid them that after declining them a XXXX on up till you get to XXXX and then you pay them and please help
Consumer complaint received 2022-06-24
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. (IL)

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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (VA)

First,. I'd like to start by saying I've never heard of this company. I've never received anything in the mail and had no idea who they were until they started calling me about a year ago. 

XXXX XXXX has continuously been calling and harassing me for a debt I have paid to the original creditor. I have spoken to a collection agent twice in the past year. Unfortunately, I did not note the date and time I spoke to them. The first conversation I was informed that they were attempting to collect a debt for Synchrony XXXX for a paper shredder. I informed the agent that the account in question has been included in a debt consolidation program and paid. The agent then began to try and bait me agitate me by attempting to interrogate me about this account and asking me personal questions. They continued to call on a weekly basis several times a day sometimes. 

I spoke to another agent several months later. By then this account had already been paid in full through the debt consolidation program. I informed the agent of this but he insisted I still owed them money. I also informed him that I never heard of their company nor have I ever received anything in the mail from them concerning alleged debt. He said they would send something via mail. I never received anything to this day. 

The phone calls continue and they are always from a different number. They never leave a message. In fact, I received one this morning from XXXX and that is why I am taking the time to report them for continued harassment.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

I wanted to purchase a laptop from Best Buy and they offered me 12-months free financing if I opened a Best Buy credit card. I agreed and provided my information to be approved. I was flagged on their system so I had to speak with a rep. from Citi Bank before they would approve the card. I waited for about 15 minutes and then was told that I didn't qualify for the card, however I did qualify for the Gold card with an annual fee of {$59.00}. He would not tell me why I didn't qualify for the free card. It seems difficult to believe that, if I had any credit issues ( which I certainly do not ), that I wouldn't qualify for the lower tier card but would qualify for the more expensive Gold card. I hung up and ended up paying in cash for the purchase. I feel that I was targeted by Citi Bank because of a high credit score and income to try and sell me on a product I did not want.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I disputed something with the credit reporting agency, after 30 days it has not been removed, which is a violation of 15 U.S. Code 1692 ( e ) ( f ) ( g ).

I want this deleted.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Type : Factoring Company Collection Account Account Status : Closed Open Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$970.00} {$970.00} Terms : 1 Month These are not my accounts. Per where they stated they originated, they have no such store here. I don't own the property they speak of. I have contacted the companies and they still placed the two accounts on my credit report. They continue to report inaccurate entries.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NJ)

I am unable to get in contact with Discover Bank regarding my funds and the freeze that they have placed on my account. I had transferred {$15000.00} into the account and the account was then frozen. I have tried multiple times to speak with someone on the phone and have waited for greater than 3 hours to speak to a representative. I have spent over 12 hours waiting on the phone, and have been disconnected multiple times. I am disappointed that I am unable to access my funds or speak to anyone regarding the issue. I have been unable to speak with a person from the fraud/security department regarding this issue. It is extremely worrying to have an email that there has been unusual activity and fraud on your account and then be unable to speak with someone and spend a week waiting on the phone.
Consumer complaint received 2022-06-24
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Good day Wells Fargo service specialist. I typically turn around my compliant within minutes due to the obvious lack of a rear concerned effort to try and resolve my complaint, but due to an actual well-crafted response I had to make time to go over the response with some advisory professionals. That along with the CFPB system being down for a few days delayed my complaint submission until now. My complaint regarding my credit report is pretty straight forward. The property known as XXXX XXXXXXXX XXXX XXXX Fl, XXXX was foreclosed on, which to this day lease the only blemish on my credit report. I contest this negative reporting due to the many cases of mishandled loan modifications, intentional or not, at the hand s of Wells Fargo. It is my contention that special consideration should have been provided to me due to the highly toxic and predatory nature of the then PICK-A -PAYMENT loan that was peddled to millions of unknowing victims. Yes in XXXX my XXXX requested was denied due to having a housing expense of 12.95 % of my total income and a debt to income ratio of 35.38 %. However these non-qualifiable numbers came about from being forced into a state of fiscal survival and life changing sacrifices to me and my family. For starters when originally approved for a loan modification back in XXXX of XXXX by Wells Fargo it was at a time when my housing expense and debt to income was at the brink of fiscal collapse and Wells Fargo knew this. Did they offer me a step down modification plan that could help me through this difficult time... No Wells offered me the same dame interest terms and conditions that got me in this mess to begin with and to add insult to injury all overdue back payments, interest and fee would be place on the back of the proposed modified loan. XXXX me once shame on you XXXX me twice shame on me. Needless to say i was left with little choice other than to decline the so called modification, which only was altered enough to prevent immediate foreclosure proceedings, and take seek legal guidance. Above all, it is this XX/XX/XXXX modification that I contest as being the most damaging and yes unjustly corrupted. If need be I'm prepared to take these so called modifications in front of a judge and jury and see if in fact that I was unjustly targeted and treated by Wells Fargo. I know this to be true because I've had years to do very diligent research and I know factually that I was victimized by Wells Fargo. 
XXXX Account # XXXX & XXXX Trick-A Payment loan
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (FL)

Account number XXXX ( THIS IS THE ONLY INFORMAITON SHOWN ) ACCOUNT NAME : XXXX XXXX XXXXXXXX Original balance {$1300.00} I need help, there is a reporting of a collection that i have no record of, no proof nothing has been sent to me show to this has my signature and this is my actual debt!! I am tired or calling of sending emails to equifax with no response they only send me a letter saying its verified. BUT ITS NOT NO PROOF IS SHOWED TO ME. LIKE A CONTRACT, SIGNATURE DOCUMENTS. NOTHING!! THERE ISNT EVEN INFORMATION ON THE ORIGINAL CREDITOR TO GET A HOLD OF!!!!

YOURE ABUSING MY RIGHTS AS A CONSUMER SECTION 604 15 U.S.C 1681 B SECTION 605 A 15 U.S.C 1681 C-1 SECTIONS 605 B 15 U.S.C. 1681 C- 2 I need this collection removed, this account does not belong to me!!!
Consumer complaint received 2022-04-24
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. (OH)

I have Duplicate Accounts on all 3 of my Credit Report. XXXX XXXX XXXX. And XXXX XXXX XXXX XXXX XXXX. XXXX is a Charge off XXXX XXXX XXXX is in Collections. Debt Buyer. I Disputed and XXXX stated they Verified this Account as Accurate. How??? They didnt Investigate. The FCRA states that I am entitled to a Fair and Accurate Credit Report this is illegal. Beyond Fair
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Winklevoss Exchange LLC (NH)

I opened an account with Gemini including a credit card. I moved some bills over to their credit card to use as my new " points '' card. The next day my access to the app was frozen without warning which caused my bills to fail to pay, and without the app I have no way to pay Gemini for what I have already charged on the credit card, either. I have opened multiple support tickets and emailed them multiple times but I just get the same automated emails over and over. It has been a full week with no response. This is going to negatively impact my credit score unless something is done to unfreeze my Gemini app IMMEDIATELY.