davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One has restricted access to my account ; of note they owe me money. Repeated phone calls have proven useless. They have asked for copies of ID, which has been provided. 

My credit score has been in excess of 800 for I think 20 years. There have been no questionable transactions on this account that I am aware of. 

The account number is XXXX
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Ive written to Equifax as the name XXXX is listed on my credit report. XXXX is not my name and Ive never gone by that name. Ive sent them my Drivers License and Social security card to no avail. Equifax is the only bureau with this information
Consumer complaint received 2022-10-21
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-03
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. (CA)

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 THESE ACCOUNTS ARE INCORRECT LISTED BELOW : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

I was travelling and landed in another city trying to make a purchase there but credit card stopped working. I saw in my app that the bank was telling me there was a suspicious activity on my card and devices would be limited asking me to call them. 

I did call the bank. They said that only way they could verify my identity was to send me a letter on physical account which would take 5-7 business days ; then if use info included in this letter and call the bank to fix the issue. There was no means for me to verify myself such as going to a nearby bank or receiving a text over mobile or sending the exact same info on my email address. The bank verified me through other means though that it was me ( security questions and the similar ). 

This had created issues for me ; what if I dont have another credit card or balance on my debit card - how can I make purchases? This is amplified in light of the fact that Im traveling and it takes 5-7 business working days for letter to arrive on my home address. 

Even worse now - letter never came even after 10 business working days since then which is today. Im calling the bank today and theyre telling me that they will send another letter now which will take another 5-7 business days. Im asking if they can verify my home address and Im happy to give them my address but they say no, they cant take this info ( in my account though I see that the address is correct ). 

Im really concerned that even second letter wont come to my mail and then I dont really know what to do ; Im asking once again what if I can go to bank which is next to my home and verify myself but then they say no. 

This means I might not be able to ever use my credit card that I pay XXXX dollar annual fees for ( I already paid for it when I signed up for it ). Additionally, I was supposed to receive 80,000 reward points if I would spend XXXX dollars within 4 months. So far it has been sprung 2 weeks that I cant use my card and not sure if this second letter spent will ever arrive to my address to I can XXXX myself and redirect my credit card. That means I might not even qualify for reward points either. But once again, even worse is I pay for credit card annual fees but I cant get the advice. 

Please advise and help. It is Citi Bank that is the issue, they really need to twirl their processes otherwise customers are harmed here like me who pay XXXX or credit card fees and receive no service in exchange and its unclear if I ever manage to continue using my service.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (CA)

I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Neon Newco Corporation (CA)

There is currently a pending charge in the amount of {$100.00} showing XXXX as the business that made this charge on XX/XX/2022. However, shows no record of ever requesting this amount. Their case # is XXXX. Netspend is telling me they can not do anything because the transaction is pending, and as long the transaction is pending I can not get my money. Since XXXX has no record of this charge it will remind in a pending transaction. I was advised by XXXX a supervisor at Netspend that if the transaction never post, I will never get my money
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I started receiving XXXX XXXX XXXX XXXX in XX/XX/XXXX. A few months ago I got some letters from my student loan lenders saying that my debt has been forgiven/canceled. This XX/XX/XXXX I filed a dispute on XXXX to remove the debt from my credit report. 15 days later the debt was updated to show the full balance on all 3 agencies and made my scored go down 7-10 points. It isn't going away automatically like the forgiveness letter stated and trying to report the forgiveness seemed to make things worse. What can I do?
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

This is not a duplicate. 

I am complaining regarding violations of law by DiscoverCard.

DiscoverCard reports to my credit file, account number XXXX, and is the furnisher. 

DiscoverCard, and they are reporting the on record til reporting information directly contradicting other data reported for the same issue and falsity reporting that the debt is to be removed from my credit files on the incorrect date of XX/XX/XXXX. 

The evidence being provided to you today is proof beyond a reasonable doubt and admittedly by the creditor as seen in their admission and into entry notes to my credit report verifies the remove from record is XX/XX/XXXX. 

The statement that they provided to you ( see attachment ) claims that the late 30 days initial date of delinquency began XX/XX/XXXX and by their own account, a fact, the expiration of the XXXX rule, would be XX/XX/XXXX. ( Not XX/XX/XXXX as you and the creditor Continue to report inaccurate data The creditor has had also 7 years to get this information right if it were a validated account thus far and the creditor has engaged in other illegal behavior to re-age this account by reporting several months of satisfactory payments to the credit bureaus recently and maliciously and has not yet answered to that complaint. 

DiscoverCard, The creditor, keeps changing dates and reporting fictitious payments to this account to re-age this collection account.! 

Also, Discover card tried to extort money from me through a collection agency that impersonates a law firm and had that agency send me a letter recently asking for over {$1000.00} more than the debt as listed by them previously.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (CA)

I did not ask for a same day payment, and Ally Bank did not give me a notice that they were going to charge me a fee. I sent them proof showing the screen that I was given and the choice I made to make a next day payment. They did not read the proof and sent me a standard letter saying they had done this correctly, but they did not do it correctly. They have a glitch in their system, because it usually flags me when I am going to make a same day payment and it shows the fee. It did not do that this time. I was not informed of the fee until after I made the payment, and I tried to cancel but they would not allow me to cancel. I tried online and I also immediately called them. You can see by the attached screenshot that I selected the NEXT day, the XXXX, not the XXXX.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

It's been over ( 30 ) days from the maximum reply period for Equifax to respond to my request for VERIFICATION of a XXXX  item appearing on my credit report. 

Thus far, I have NOT received a response from Equifax regarding this disputed item. Based on the postal tracking information, my letter was originally delivered to Equifax on XX/XX/XXXX. Currently, there is NO record of any dispute in their ( Dispute Status Portal ) regarding this matter, nor was there ever. 

I BELIEVE THAT EXQUIFAX " DISCARDED '' MY DISPUTE REQUEST WITHOUT INVESTIGATION AND CLEARLY DID NOT TAKE REASONABLE ACTION TO RESOLVE MY REQUEST, WHICH IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

PURSUANT TO THE FCRA, EQUIFAX IS NOW REQUIRED TO ( DELETE / REMOVE ) THIA UNVERIFIEDN NEGATIVE ITEM IMMEDIATELY AND PERMANENTLY FROM MY CREDIT REPORT IMMEDIATELY. IT CLEAR THAT EQUIFAX FAILED TO INVESTIGATE AND RESPOND TO THIS REQUEST. 

See Exhibit ( A ) My original request letter to Equifax dated XX/XX/2022 sent via certified mail return receipt requested. 

See Exhibit ( B ) A copy of my most recent credit report from the PUBLIC RECORDS page which displays the XXXX item in question. 

See Exhibit ( C ) Postal tracking information : # XXXX XXXX confirmation page, with the original delivery date of XX/XX/2022. # XXXX Postal " Certified Mail Receipt '' and # XXXX a copy of the " Stamped Return Receipt signature card, dated XX/XX/2022. 

See Exhibit ( D ) a copy of the Equifax " Dispute Status Page '', with ( 2 ) two UNRELATED and resolved disputes that were submitted before I sent my XXXX request to Equifax. No other disputes are in this portal. 

See Exhibit ( E ) a copy of the U.S. Congress, House of Representative letter addressed to Consumer Financial Protection Bureau regarding Equifax FCRA violations, unfair practices and FAILURE to respond to consumer complaints and failure to correct errors on their credit reports.
Consumer complaint received 2022-09-03
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: Credit Karma (TX)

In the last 2-3 years, I have on numerous occasions clicked on applications for car loans, home mortgages and credit cards through Credit Karma when informed that I was pre-approved or had excellent approval odds, but was ultimately DENIED. My XXXX and XXXX credit scores have been devastatingly been affected. As a mother of XXXX, who has been working so hard to improve their credit, in an attempt to purchase my first home for my children, purchase a bigger vehicle or obtain a credit card without restrictions and larger credit limit or benefits, it is the ultimate let down to have your hopes up not only to be continuesly denied but for your credit score to drop in the 400 's and create hard and soft pulls on my credit. This is misleading and they should stop creating unnecessary stress and XXXX.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

EQUIFAX CLAIMS ON HIS PLATFORM TO BE A FAIR CREDIT REPORTING AGENCY FOR CONSUMERS HOWEVER IN DEALING WITH THE AGENCY ON XX/XX/2022 ABOUT A LACK OF UPDATE ABOUT XXXX VEHICLE LOAN I TOOK WITH XXXX XXXX AND PAID IT OFF ON XX/XX/2022 BOTH XXXX XXXX AND EQUIFAX STILL NOT ACCURATELY REPORTING THAT THE ACCOUNT IS PAID OFF AND CLOSE ..EQUIFAX STILL MAINTAINED THAT THE ACCOUNT STILL HAS ABOUT {$1000.00} TO BE PAID EVEN AFTER I SUBMITTED A DISPUTE ( MEANT FOR CONSUMERS TO HAVE A SAY ON THE STATUS OF THEY CREDIT HISTORY ) TO DOCUMENT THAT THE ACCOUNT IS NOT ACCURATELY REPORTED TO- DATE.THE REASON OF MY COMPLAINT AGAINST EQUIFAX IS THAT THEY RENDER THE DISPUTE PROCESS FOR CONSUMERS SO DIFFICULT ( YOU SYSTEM SET UP TO UPLOAD DOCUMENT FOR EVIDENCE NEVER ACCEPT FILE TO BACK UP ONE 'S CLAIM, AND EQUIFAX OPERATE BASED ON CORPORATE ANECDOTE THROUGH THEM NOT ALLOWING CONSUMERS EVIDENCIARY DOCUMENT EVEN THE ONE PROVIDED BY THE COMPANY THE DISPUTE IS AGAINST, AND IN MY CASE THE DISCHARGE LIEN DOCUMENT PROVIDED BY XXXX XXXX AND THE STATEMENT LETTER THAT THE ACCOUNT PROVIDED TO IS PAID IN FULL ) WHILE MAINTAINING THE SIDE OF ARGUMENT FROM CORPORATE AGENCIES .THIS DISPUTE PROCESS WAS NOT DIFFICULT THRU XXXX AND XXXX SO SIMPLE THAT AN OLD PERSON CAN DISPUTE WITH NO ISSUES.HOWEVER EQUIFAX TECHS IS NOT CONSUMER FRIENDLY OR LEAST INEXPENSIVE ( TIME, MONEY, SPEED ) TO CONSUMERS BUT HIGHLY INEXPENSIVE TO CORPORATE ENTITY THUS NOT FAIR IN TREATMENT.
Consumer complaint received 2022-09-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

My social security information was exposed. These three accounts are not mines : XXXX, XXXX, and XXXX. I have attached documents that show I have a new license number and two reports that show where my information was exposed. Someone used my information to oprn these accounts.
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (WI)

I fell behind on the mortgage due to COVID my customers ar hospitals and I am considered non essential. I am doing the best I can with 50 % off mu customers through COVID. As soon as the rules let up I will do great. 
I receved a notice saying to cure my default I need to pay XXXX by XX/XX/XXXX. I called on XX/XX/XXXX to make a payment and was told by XXXX Id # XXXX that the computer wouldn't accept the payment it now required XXXX I said I was instructed to pay the XXXX by XX/XX/31 and he said he was sorry but something must have changed. 
I can not pay XXXX in a lump sum
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Trust Financial LLC (ID)

I received a letter from you guys trying to collect money that i guess i owe anthem broadband of idaho. XXXX the letter it states that you are trying to collect it from the due date of XX/XX/XXXX. For {$300.00}. First if all i haven't had service with them since XXXX of XXXX. And i have not received any notice before this one sent to my new address of XXXX XXXX XXXX XXXX XXXX  idaho stating that I owed them anything until now. So what i want to know is why my last due date for a payment is over a year after I discontinued service with them. Because i had moved and it was no longer needed.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX ( XXXX ) XXXX XXXX Affirm : My name is XXXX XXXX. I am writing to you today to lodge a huge complaint about your service. 
I have been using your service for more than a few years now, without a problem or complaint. 
My bills are always paid on time, every week. 
For the past few months, I have been unable to create new orders due to being asked to submit ID verification via a website link. 
However, every time I submit my Identification, I am told that you can not verify my identity. This is not the first time I have had to verify my identity with you, in this manner, but it is the first time you have told me that by submitting the exact same identification, that you can not verify my identity. 
My account with Affirm is still active and you are still extracting weekly payments from my financial account, and are denying me access to purchase any products, on-going. 
If Affirm, affirms that they can not verify my identity, you are committing financial fraud yourself, by extracting payments from an account that you can not verify the identity of its owner. 
This miscarriage of justice has lead me to believe that you have taken out a discrimination act on me, because of my appearance. And are stealing my money in the process. 
I am requesting to have access to Affirm once again, without hesitation. I will also follow up with a letter written to my local Attorneys General consult and the Office of Civil Rights. 

Thank you, -XXXX
Consumer complaint received 2022-11-07
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MS)

Most recent attempt to get erroneous information not accurate removed from my credit report. XXXX continue to list items as verified when the accounts are not verified cease and desist from these negligent and harmful actions to my credit were submit to dispute this false information. They continue to list when other bureaus have since removed this account due to unvalidate fraudulent reports for collections accounts. 

Lexis nexis continue to supply inaccurate addresses and refuses online access on my file. I complete several form requesting online access and I am still refused access to file to have these inaccuracies removed. when applying for credit the actions are returning adverse due to inaccuracies in my lexis nexis file that they refusing me when my identity has been verified. Its been more than two years since I have been provided access to my file.