davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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: SYNCHRONY FINANCIAL (NC)

On XX/XX/2021 I opened a CareCredit card to pay for Invisalign through XXXX XXXX XXXX in XXXX, NC. A charge was made of {$5000.00}. The dentist office told me I had great credit and should expect XXXX % interest rate. Received the paperwork attached for a XXXX % XXXX year fixed interest rate which I reviewed when I got home. Called within the first few months as there were security card charges added on that were unnecessary and not fully explained at the time of purchase. Had them removed and refunded. 

I spoke with a CareCredit representative about the XXXX XXXX offer I was promised at the dentist office. They said it was still available and to have my dentist office call to switch to that promotion. No paperwork was ever proposed to me to switch the promotion. I called the dentist office and it was taken care of. I was signed up for a deferred interest 12 month promotion without my knowledge. Had no idea until it came due on XXXX statement. I would have never signed up for this as the XXXX XXXX interest for XXXX years was between the XXXX the better deal. Not being given the details or a choice this is predatory lending. 

I was never given the choice. Between the security fees and this promotion swindling I feel CareCredit is a predatory lender. I want this corrected as soon as possible as Im now on the hook for a larger monthly payment I never signed up for. 

Now I have a new card that has been sent to me for good customers to use this card for XXXX points and perks instead of the medical credit card I had signed up for. I do not want this change. I want nothing to do with this company
Consumer complaint received 2022-12-12
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. (NJ)

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 XXXXThis 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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (CT)

My mortgage was 2 % for the first 5 years and then adjusted to 4 % for the rest of the 30 years. This was with XXXX XXXX bank. Now, Keybank is trying to twist the wording of the contract to say it can not go any higher the 4 % per year. This is incorrect as it also says it can not go any lower than 4 %. The reason it's called an adjustable rate is because it adjusted from 2 to 4 %. I was told by the loan officer that it was going to stay at 4 % for the life of the loan. Now, Keybank is trying to raise my interest rate at a time when inflation is sky high. I called them on XXXX and they weren't budging. I really need your help.
Consumer complaint received 2022-12-12
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. (MD)

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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-12
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. (LA)

I sent a letter on XX/XX/2022 asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
In accordance with the Fair Credit Reporting act XXXX  Accounts 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, 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 According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

To whom it may concern, the credit reporting companies : Equifax, and XXXX have not yet removed innaccuracies off my credit report that are causing me major harm as a consumer. The credit reporting companies are slowly taking their time to delete these inaccurate and incomplete accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under Federal Law, I understand that anything inaccurate should be removed promptly. 
I feel like I am being taken advantage of. I have received denial letters from Major financial institutions due to these continuos errors reporting to my credit report. I am worried I will not be well prepared as a consumer for the next Recession.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I have been in the mortgage process with Wells Fargo for XXXX months. They have done a hard credit check XXXX different times for the SAME loan hurting my credit score as tracked by credit karma. XXXX different underwriters have requested the same documents multiple times and their questions are juvenile. Every time I call, the person I am trying to reach never answers and I am put into their voicemail. The managers extension to which I am directed on email is no longer a working extension. I am a week away from closing ( established XXXX months ago ) and they are again asking for the same information that has been given to them XXXX time prior. This is the most irritating and worst experience in the world.
Consumer complaint received 2022-12-12
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 XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-12
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 fare credit reporting act XXXX account # XXXX, have violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for purpose.
Consumer complaint received 2022-08-25
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: LEXISNEXIS (TX)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is 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 succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (NC)

My name is XXXX XXXX During the last few months, I starting a process to sell my house to a short sale. 
I got the service of XXXX XXXX  in XXXX XXXX. 

We supposed to get an answer on XX/XX/2022. As today I don't have any phone calls for the bank to let me know the status. 


Following are the events that have occurred since the process started : XX/XX/XXXX, XXXX the Realtors sent the package to Loss Mitigation BPPR via email XX/XX/2022 an email was sent to Loss Mitigation asking for the status of this case XX/XX/2022 XXXX XXXX sent an email to loss Mitigation with some documents requested to me On XX/XX/2022 The professional in charge of the appraisal visited the property I never received the appraisal The Realtor have made many calls to Loss Mitigation and in all of this calls the answer has been that the investor is still analyzing the case I am very frustrated with this case. It has been almost four ( 4 ) months since we started the process and still no communication I need help, I dont want to lose my property
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to you because you are my last attempt as I can not understand why unknown accounts are in my credit profile? These accounts are not related to me or to any my transactions I do not know the at all. I do not recognize them at all I just assume that this is a big mistake or someone made a fraud and used my personal information. However I do not want to this mistakes in my profile. Please delete them ASAP because everyday I am loosing a lot of money because of their existence.
Consumer complaint received 2016-07-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Thaxton Investment Corporation (OK)

I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. According to my credit report this account was closed on XXXX/XXXX/12. and I just received recently some calls from collection agency after almost 4 years and half without any news from this company.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AZ)

This complaint is in regard to XXXX credit card accounts but I believe began with the inappropriate actions of my Citi credit card account. 

I have worked very diligently to build and maintain my credit in an effort to purchase my first home for my wife and myself. 

I was successful in obtaining a mortgage and did indeed purchase my new home. 

I applied and was approved for a Citi credit card which I used for making purchases to furnish my new home. 

I never went above my spending limit nor was I ever late with making timely payments on this or any of my credit accounts. 

I also have XXXX XXXX XXXX credit card accounts which I also used for this purpose. 

My income and budget were always kept in mind when making any purchase, and I never extended myself to put my budget or capacity to repay in jeopardy at any time. 

I received a letter from Citi that stated that they had reviewed my account as well as other revolving accounts and had decided that I had too many balances at or near the credit limit. 

They were, therefore, closing my account from any further use but I was to continue payment of the balance remaining. 

Shortly afterward, I received similar notice of account closure from the XXXX XXXX XXXX credit cards. 

This was devastating to my credit risk scores on all XXXX bureaus because closing the accounts displayed a high usage of credit card usage with no available percentage of credit. 

The age of my oldest credit account also affected my scores as well as my ability to obtain new credit which has left me unable to refinance my mortgage rate when/if the rates come down. 

Credit scores are supposed to evaluate a person 's risk of repayment based on their historical demonstration of an ability to repay in a timely manner. 

The actions of Citi, as well as XXXX XXXX, did not take into consideration my income or my history of repayment when making this arbitrary decision. 

I will note that I was never contacted by either of these institutions to make a large payment toward the balances to prevent this untimely closure. 

I also believe it is quite unfair to give a person a line of credit while at the same time not anticipating that party to utilize it. 

Please assist me in righting this wrong caused by these institutions. 

With Kind Regards, XXXX XXXX
Consumer complaint received 2023-09-29
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

XXXX XXXX Received a letter from XXXX XXXX XXXX XXXX that I have not activated the card they sent me. They sent the letter to my current address in XXXX XXXX. Informed Money Network that XXXX card was never received. They informed me it was sent to my old address XXXX. I informed them of my new address DB and already confirmed with XXXX XXXX XXXX my new address was on file since XXXX. They confirmed this was true and Money Network has the wrong address ( old ) XX/XX/XXXX Fraud occurred hacker compromised the XXXX money network card that has {$700.00} on it. They spent at various places, then tried to transfer balance to their own bank. This transaction was flagged and they failed to do a bank transfer. Money network had the opportunity to close all cards sent to old address but did not and fraud occurred XX/XX/XXXX Money network informed me they need to verify my identity and new address. So I submitted documents. XX/XX/XXXX they said they received all documents and they were approved. In their notes they mentioned they agreed to send me a check, but would need to go through all fraud transactions. 

They are now making me wait another XXXX days when this is clearly their fault. I already told them early on I havent lived in XXXX since XXXX. They didnt do anything, and fraud occurred and my {$700.00} XXXX money network card was stolen and compromised
Consumer complaint received 2022-12-12
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. (PA)

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 name : Account # XXXXXXXX XXXX XXXX has violated my rights. 

XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-12
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. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX 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 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-01
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. (NJ)

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be updated. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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