davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NV)

I DONT OWN A BUSINESS AND DID NOT APPLY FOR A CARD SICK DURING XXXX FOR A YEAR AND A HALF {$5300.00} DISCOVERBANK XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$600.00} Highest Balance {$5300.00} Monthly Payment {$160.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Dispute resolved ; customer disagrees Creditor Name DISCOVERBANK Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-12-21
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. (MI)

I have filed multiple disputes with these companies DUE TO THIS BEING fraudulent BECUASE I NEVER HAD ANY BUSINESS WITH XXXX XXXX. and they are not responding and leaving this negative information on my credit report, causing it to hurt my credit score and bring it down. I am in the process of buying a house and this effecting me bad. 

XXXX XXXX  - ACCOUNT IS NOT REPORTING 100 % ACCURATE. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
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 — Investigation took more than 30 days
Company: SLM CORPORATION (CA)

Response has not been received for investigation that you received on XX/XX/22 Tracking number XXXX or XXXX or XXXX This has been over 40 days and deletion is now required. No proof that I owe this was supplied to me and must be in this timeframe. Signature and contract must be supplied upon request to verify debt and nothing has been provided.
Consumer complaint received 2022-08-24
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 XXXX Account # XXXX XXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late and also remove all remarks from account that includes repossession/ redeemed. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX and XXXX were delivered to you more than 40 days ago and response has not been received. You must respond within 30 days or the item must be deleted. Please delete XXXX XXXX and XXXX XXXX XXXX No proof of owing this debt has been received and this is necessary to verify this debt not simply asking the furnisher If I owe them money.
Consumer complaint received 2022-09-30
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. (MN)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Balance Owed : {$6100.00} XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : $ XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}
Consumer complaint received 2022-10-23
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)

Equifax continues to have a fraudulent business account from Jpm chase bank on my personal credit profile. I have tried to have them correct it, but they refused to remove it without a valid explanation. 

Equifax also have a wrong address on my credit report. They Also have not corrected that error also. 

Equifax also allows companies to run my credit without proper authorization, and also refuses to removed them. They are the ones also responsible for the breach of my credit from years ago and no resolution have been made to me.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : 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 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 XXXXXXXX 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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 the file if no documentary evidence is found in accordance with FCRA, 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 reseller.
Consumer complaint received 2023-01-25
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)

I may have checked some boxes improperly to move forward to this page, but there were no clear choices for my specific complaint. 
My complaint is about the entire industry and how and what they report on. 
Case in point : I have run a business for over 45 years, recently retired, savings to live off of till Social Security is taken, home paid for and no debt, which is the goal in life isn't it. 
I choose to buy based on my ability to pay, not to run live my life in debt. Because of this I am being discriminated against by XXXX and other credit reporting companies by their reporting of information that is as they state " Hurting my Fico score ''. 
Example : On XXXX they state that I have an insufficient number of accounts that are currently being paid as agreed. To my knowledge I have no accounts complaining of non payment as agreed. They state that I only have XXXX accounts and that to be a FICO High Achiever I need an average of XXXX accounts being paid as agreed. I have no need for more accounts as I pay as I go. I think this is definitely discrimination against me and how I wish to live my life. If someone is going to report information about me, then I as a tax payer and consumer should have a say in what and how my personal information is reported, not some financial institution that wants to skew my information to suit their needs. My experience in running a business told me to stay away from clients who were overextended. A great example of this is my younger brother who for the last 20 years has carried credit card debt in excess of {$80000.00}, making the payment but being unable to get out from beneath its burden. His FICO score has always been much higher than mine as he is feeding the system. The bottom line is that I choose to not live a life of debt like most American and the US government and I feel I am being discriminated for it. Any information you have for me that explains otherwise would be greatly appreciated as this has been a bad taste in my mouth for 25 plus years, and now that I am semiretired I finally have time to voice my opinion about it. Too many accounts has driven our government to cause inflation, another tax on Americans, is haviong more accounts really a good thing? 
Thank You for your time
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I recently checked my credit report and I seen some inquiries that I do not recognize from XXXX on the dates of XX/XX/21, XX/XX/21, XX/XX/21 I do not recognize these. Please investigate and provide me with the original copy with my original signature for all the dates to provide proof I do not recall these inquiries please remove them.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I noticed inaccurate information was reporting to my credit profile. I sent notice to all 3 bureaus in XX/XX/2022 have not received a response in over 30 days.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

Equifax XXXX XXXX XXXX has my student loans showing $ XXXX higher on their Equifax side. XXXX is correct. XXXX XXXX & Equifax is far from being correct! They refuse to fix it!! Ive been going through this for months! They keep blaming EACH Other. I have screenshots of all the chats where they refuse to help & blame a non existent creditor- that shutdown a decade ago and they blamed Each other everytime! I am on the verge of filing a lawsuit on XXXX XXXX XXXX Equifax! They are reporting XXXX accounts listed for XXXX. XXXX has all those accounts and have for quite a few years!! I have filed dispute after dispute, NOTHING, Ive called! NOTHING! XXXX has already told them that they are the ones who have all these accounts, and that they have duplicates listed! This has went on since XX/XX/2022! Today I called on my recent dispute & realized some worker or the system changed my address to a very old address?? EQUIFAX & XXXX XXXX  ARE LISTING VERY INACCURATE INFORMATION! What do I do- other than file a lawsuit??
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I sent a letter to Equifax requesting to know the method of investigation regarding two bankruptcies on my credit report stating through XXXX XXXX. Equifax only sent me confirmation # XXXX dated XX/XX/2022 stating they have reinvestigated and that the information was verified. I requested to know the method of investigation. Im requesting to know this because per the attached XXXX XXXX report I have no bankruptcies listed. Method of investigation should include who, what, when, where, and how, not that it was verified. Basically Equifax has violated my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). I demand an immediate deletion of both records and {$1000.00} for the violation.
Consumer complaint received 2022-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IL)

I own a XXXX flat on the north side of XXXX Illinois. During the pandemic my tennents were experiencing a hard time paying their rent due to reduced paychecks. At that time I had XXXX XXXX XXXX as my mortgage provider. I applied and got forbearance on my loan. I was told that I could get a loan modification at the end of the forbearance.This process dragged on forever and in XX/XX/2022 my loan was sold to Selene Finance. I again started the process of a loan modification with Selene Finance. Once again I was met with mass inconsistencies. I filed for the modification twice and each time I was denied, I am currently appealing their latest decision. Because of the time consuming process I am currently in the midst of a foreclosure. I feel that they are conducting fraudulent practices.They were suppose to provide me with determination my XX/XX/2022 but did not receive it til XX/XX/2022 when the letter was dated XX/XX/2022. All their correspondence is received late with little or no time to react. In my opinion that is not a coincidence
Consumer complaint received 2022-10-23
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. (CA)

Citibank closed my credit card acccount during the pandemic, and seized my baluable reward points I had accumulated on the card! 

XXXX XXXX credit cardholders have had their credit limits slashed or their credit cards closed in just the first XXXX months of 2021. This happened to XXXX out of XXXX credit cardholders, according to a report by online financial marketplace XXXX XXXX. 

It's due to banks reducing their risks during the Coronavirus pandemic, and it has hurt millions of consumers - like me - by lessening their XXXX scores by often XXXX or more points. 

To make matters even worse, in my specific case, my Citibank ThankYou Preferred card was closed abruptly by the bank. I received a curt letter in the mail advising me of the closure. What was NOT addressed in that letter were the XXXX ThankYou Points that were in my account. 

These are points that I earned, belonged to me, and could be used for airline trips, retail purchases, hotel stays, etc. They are valuable, and Citibank confiscated them with little notice and without providing me an option to spend them, redeem them, or transfer them. They just commandeered them. 

It was a pure greed XXXX by Citibank of my personal property that I earned and owned. And, I'm pretty sure they did this to hundreds of thousands of their customers. 

I believe the Federal government must intervene on behalf of the consumer public on these personal property XXXX. Please assist me and numerous others.
Consumer complaint received 2022-10-23
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: Affirm Holdings, Inc (NV)

sick during XXXX  for over a year and all these accounts have popped up. no such contract can i find, but to report a collection for a few hundered dollars does not make sense Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$400.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$370.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$390.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$580.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 39 Months On record until XX/XX/XXXX AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (CO)

Fraudulent checks written starting XX/XX/XXXX through XX/XX/XXXX. All were reported as identity theft to XXXXXXXX XXXX XXXX XXXX and this account was closed. All of the checks that were fraudulently written were paid by the bank as the account wasn't closed until XX/XX/XXXX. I was also reimbursed by this bank and a new account was opened. 

I received several debt collections letters from TRS Recovery services whose representatives tell me they work for TeleCheck Services. These letters arrived starting XX/XX/XXXX. I reported the debt (? ) as fraudulent and TRS has closed the case. 

I have not been able to receive - to my satisfaction- how these checks ended up as my bad debt as the vendors and I have all been paid. Even if XXXX XXXX XXXX ( the two vendors ) hadn't been paid, how was I sent to debt collections as I already told the bank these checks weren't mine? TRS states they can not tell me this information and has not resolved this issue to my satisfaction.
Consumer complaint received 2022-10-23
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: HW Holding, Inc (MN)

Hunter Warfield XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife and I have disputed these accounts on her credit reports detailing why they are wrong. Their self reporting refused to acknowledge the factual information we have submitted and keep report on all three credit bureaus.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (TX)

I have received several emails as an ally auto customer enticing me to open up a checking account with ally bank. 

On XX/XX/XXXX I received an email with a promo code " XXXX '' Advising if I open up an account with a direct deposit within 30 days Of receiving the direct deposit I would receive a welcome bonus of {$250.00} deposited to the account. 

Well today is day XXXX and I still have not received the promised deposit. 

I have pleaded with multiple representatives at customer service and there continues to be no resolution or credit to the account Like I told the bank I shouldn't have to beg or plead for something that they offered I fulfilled my obligations but they have not fulfilled theirs.
Consumer complaint received 2021-06-21
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. (DE)

I have sent the bureaus a request to send me verified results that the debt was indeed mine. They have not sent me verified proof of the debt. Here is the items : XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2022-10-23
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: ProCollect, Inc. (FL)

On XX/XX/2022 PROCOLLECT , INC added a derogatory on my credit report per XXXX XXXX XXXX, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, PROCOLLECT , INC violated my rights as a consumer and Im requesting legal action to remove this account immediately.