davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
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: SYNCHRONY FINANCIAL (IL)

On XX/XX/2021, I was in the process of moving from XXXX to XXXX. While driving a truck cross country, my credit card was frozen. I can only assume it was because I made purchases in multiple states. 

When I arrived at my destination and settled into my apartment, I called the credit card managing company, Synchrony Bank. In the past, I have been asked to confirm recent purchases or answer questions about myself when there is suspected fraud. 

I was shocked, to say the least, when I was told that the only way to have my card unfrozen was to take a video of myself and send it into the company to have a biometrics test run on it. 

I explained that this made me very uneasy, that this is the sort of practice that is conducted in XXXX. I was then told that the only other way to regain access to my card was to wait seven to ten business days for a letter with a code. 

Ten business days pass and I call again. I am again told that I should make a video of myself for them if I want my card unfrozen. I again explained to them that this sounded like something out of a dystopian movie, that I don't want to send a video of myself to someone I do not know, much less a multinational corporation. 

Without any recourse, I was forced to wait. I finally received my letter on XX/XX/2021. Instead of a code however, the letter instructed me to send proof of my identity in the form of a utility bill, lease, or bank statement. I was not given an email address so that I could scan and send it in quickly, but the address of a XXXX XXXX XXXX in the middle of the holiday season. 

I do not want to live in a country where financial institutions can pressure and even force their customers to submit videos of themselves, directed according to their instruction. I am lucky, in that I had another source of funds and could pay off my credit card. But most others can not. Please do something about this.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-12-21
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. (TX)

I had an account with the Texas XXXX XXXX XXXX XXXX XXXX. My order in the case ended in XX/XX/2021 yet the account still shows to be open. It should be closed. My report showed a late payment in that last month as well which is not correct. 

I have called them and disputed the entry to credit reporting agencies with no luck.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-08-24
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. (NY)

my credit profile that is on this consumer credit report still contains misrepresentations, after numerous attempts at asking them cordially to correct my consumer credit report information. 
I also ask that all inquiries be deleted from my credit report as it is proof of a consumer privacy violation, be removed from my report. 
there is an collections account that just made its way on to my consumer credit ( my reputation ) and it is damaging my livilihood. I have been denied credit already because of the fraudulent negative information on my Equifax consumer credit report. 
Equifax has also infringed on my right to consumer privacy by publishing information that it has sourced from other sources and graded me on the things they have found. 

the collection account on my Equifax report goes by the name of XXXX XXXX XXXX, apparently there is a open balance of XXXX, which is another violation of my consumer privacy. pursuant to the United States Code.

I have sent 4 letters to Equifax this is the final letter that I am sending. Should the corporation not understand that is has willingingly and knowingly violated my rights and compensate me accordingly I will have to make the attorney general aware of their fraudulent practices and help them pursue criminal liability pursuant to 15 USC 1611.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Funding is a debt collector. I am in process of paying a settled debt. The payment receipt states that my payments will not resolve the debt. That statement is misleading. The agreed upon settlement amount is reflected in th e receipt  but that one statement mislea ds and discourages further payment.
Consumer complaint received 2021-12-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (AR)

UPGRADE ( see attached file ) sent me an advertising flier stating that I had been PRE-APPROVED for a {$10000.00} line of credit after careful consideration of the information contained in my credit report. Therefore I applied since I had just received my DOT and XXXX numbers for XXXX XXXX XXXX and figured a line of credit may come in handy. Well, as it turned out I was DENIED for lack of a willing lender, after being PRE-APPROVED. I contacted the company UPGRADE and they explained the PRE APPROVED line of credit was a pre-approval to apply. I explained I did not need permission to apply anywhere, I was free to apply anywhere. I explained I felt their claim of PRE-APPROVAL was an intentional fraud to obtain my personal information and therefore asked them to honor their preapproved offer. They refused. Therefore I lodge this complaint.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

In a matter of 3 months XX/XX/XXXX - XX/XX/XXXX Synchrony Bank who handles the following stores credit cards and that I shop at closed my credit cards of the following stores : Old Navy Stein Mart TJ Maxx / XXXX/ XXXX credit card JC Penny Walmart XXXX Based on the credit history they obtained from XXXX XXXX . 

I was rapidly getting the letters of which I have attached. 

The above cards I would only charge around {$200.00} as an average and pay them off with monthly payments. JC Penny I hardly used but in the past charged a large amount but always paid it off in time. The same with Stein Mart and TJ Maxx. 

Closing these account lowered my credit score considerably and at a vulnerable time when I was out of a job but now employed I had a hard time catching up but somehow I managed. Also because at the time of my closing of my townhome the Title company did not incorporate the correct yearly taxes for the home thus increasing my mortgage for one year considerably which was not in the budget. 

I even had a credit card with Synchrony Bank which financed my Air conditioner in XX/XX/XXXX so I do not understand why they started closing other accounts when I was on time with paying their credit card. All the closing of the above accounts lowered my score by 40 points They have considerably ruined my credit for no reason at all. The only balance that I had which was very little was TJ Max and Walmart. The other credits cards when they closed had no balances at all.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BROKER SOLUTIONS, INC. (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC 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 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 XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-09-30
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. (RI)

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 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 XXXXXXXX
Consumer complaint received 2019-06-17
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. (AZ)

Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2016 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2019-06-17
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. (NV)

I have XXXX XXXX XXXX the beneficiary have tendered a payment thereto XXXX for a debt that has not been verified nor validated. I have requested information and FOIA freedom of information act request for private information and personal information from XXXX concerning the alleged account. I have received multiple letters saying they the Credit agencies such as XXXX, XXXX, Equifax etc, .. If there is no account please delete all alleged account information concerning the fraudulent account.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$930.00}
Consumer complaint received 2021-12-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

XX/XX/XXXX we entered into the Covid relief plan with our mortgage company Wells Fargo. Wells Fargo advised that the unpaid balance would be put on the back of our loan. XX/XX/XXXX Wells Fargo sold our mortgage to XXXX XXXX  with the balance not paid during the Covid relief as past due. XXXX then was requesting the total amout due to be paid up front. We could not pay the balance therefore entered into the same Covid relief plan. Wells Fargo never discussed selling our mortgage nor selling it with a past due balance. We have since had late payments reflecting on our credit report from XXXX. We have never had a late payment for our mortgage until now. I feel the whole Covid relief was not of any help to us, and has caused more harm. The fact that Wells Fargo sold our mortgage while we were actively in the Covid relief plan made the whole process confusing and frustrating. Wells fargo also claimed that they spoke with my husband and was told to terminate the Covid relief which was not true. The only correspondence we receive was an email asking if we wanted to continue with the relief nothing had to be done at that time. In XXXX we were told our Covid relief had stopped with Wells Fargo therefore we resumed payments. We made payments from XXXX to XXXX when our mortgage was sold with the past due balance.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (MA)

I applied for a Macy 's credit card in store at the register, and I was approve. However, days later, I received a letter stating that I was evaluated ( without my consent ) for a " Macy 's American  Express '' and was not approved. Macy 's without my consent used my information to evaluate my credit for a credit card for which I did not apply for ; creating negative inquiries to my credit score.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I have to tried to resolve this issue with Wells Fargo Dealer SVC. They have been reporting unauthorized information on my consumer credit report causing me harm to my reputation, mental anguish and have made it difficult to obtain credit. Account XXXX does not belong on my consumer credit report. I have disputed the accuracy of this alleged debt with the consumer reporting agencies of XXXX and XXXX and they report this account as " verified '' when I request " validation '' of this alleged debt. On XX/XX/2021 I sent a letter to Wells Fargo Dealer SVC demanding Validation of this alleged debt. They have failed to respond to me with any form of validation. This account continues to erroneously be reported on my consumer credit report and it must be deleted from my report. It continues to cause criminal harm to my reputation over this alleged debt. This is a violation under 15 USC 1692d ( 1 ) and ( 3 ). I demand this account be deleted.
Consumer complaint received 2019-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

After paying my loans for almost a decade, on time according to the agreement in place with the creditor Navient, decided to sell my loans to two other creditors. I have gotten letters from XXXX XXXX XXXX and another creditor XXXX XXXX XXXX XXXX XXXX, all while still getting letters from Navient as well. I know by law I am not required to pay on loans seeking compensation for the same account. And because Navient has changed the loan terms so many times and mis-managed the money I have sent to them over the years I refuse to allow them to further destroy my abilities to apply for credit. It has been increasingIy difficult to track down the different ways to manage the accounts associated with this company. I know through Indiana law that I have done my due diligence in paying off these student loans. Navient can no longer prove they own the rights to collect on any of the loans in question. I have written numerous letters to their department of Education and private loan dpt. and was successful in getting all the accounts associated with Navient removed from both my XXXX  credit report and my XXXX credit file since XX/XX/2019. However, now that it is the month of XXXX Navient has placed some accounts back on my credit file with the credit bureau XXXX. I am respectfully demanding that all accounts with Navient be removed from all three of the major reporting credit bureaus : XXXX, XXXX, and XXXX  immediately. I have solicited the help of lawyers and I'm prepared to sue Navient for every last cent they claim I owe if these accounts are not removed immediately.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SECURITY FINANCE CORP (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.