davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
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 (NM)

Early XXXX I fell victim to identity theft. The people now have a picture of my drivers license and SSN. XX/XX/XXXX I saw an inquiry on my XXXX XXXX app to Discover Credit Card that was not made by me. I called Discover to dispute this inquiry, but it leads me to an automated system that just asks if I would like to create an account and apply for a credit card. I then tried to dispute the inquiry with both XXXX and XXXX. XXXX states they need an FTC documentation in order to process my dispute. My credit report dropped significantly due to this inquiry.
Consumer complaint received 2022-08-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have been applying for loans and getting turned down. I realized on my XXXX credit report it is reporting that two of my creditors as Public records when in fact it was settled and was not sent to any court.

The two records are XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX They alos show XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX under Collections. 

Equifax is reporting 3 accounts under public record which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

XXXX is reporting 4 accounts under public records which include XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 

None of these accounts went to court and it has made me be turned down for loans and also affected my interest rate on a car. 

I want the credit bureaus to be accountable for the information. How can they publish a court record when there was no court record.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 2021-11-23
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 report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

To Whom It May Concern : We, XXXX XXXX XXXX and XXXX XXXX are in receipt of your XX/XX/XXXX, Notice of Intent To Foreclose. We are responding according to the instructions on page 7 that read Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. Please accept this letter as our notification that we dispute the validity of this debt. In XX/XX/XXXX, following a suspicious conversation with a Mr. Cooper representative, we contacted Mr. Cooper by email requesting a color copy of the original note and the assigned contract for the subject loan. Mr. Cooper sent a copy of the Note and DOT documents. We then contacted Mr. Cooper by mail in XX/XX/XXXX, requesting a color copy of the original Promissory Note for our property and any transfer documents that you have as proof that Mr. Cooper owns or legally represents the owner of the mortgage or mortgage note for our property at XXXX XXXX XXXX, XXXX XXXX, MD and we receive a copy of a copy instead of a color copy of the original documents as requested. In early XX/XX/XXXX, I attempted to refinance the mortgage with a reputable lender and take advantage of the extremely low fixed mortgage rates. During the application process, the potential lender explained to me that the information I provided in my application was incongruent with their findings. They further explained that Mr. Cooper has a {$0.00} lien on your property, essentially no mortgage. In response to their accusation, I provided them with our mortgage statement from Mr. Cooper to prove I was paying a mortgage to Mr. Cooper for said property. I was unable to proceed with the refinance and the feedback from this reputable lender reinforced our concerns from XXXX about Mr. Cooper having legal rights to our mortgage. 
Further, Mr. Cooper has not reported our timely mortgage payments since they allegedly acquired the mortgage. The credit bureaus also show us as having real-estate mortgage of {$0.00}. 
As stated in my XX/XX/XXXX letter, we have deposited the amount of the mortgage ( principal and interest ), taxes, and insurance into a savings account and monthly provided proof to Mr. Cooper of the monthly {$2500.00} deposit. We are gravely concerned about the authenticity of the documents that Mr. Cooper has provided, that Mr. Cooper is the legal representatives of the owner of our mortgage/mortgage note, and Mr. Cooper is legally authorized to continue collecting money for our mortgage.
Consumer complaint received 2021-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After recently obtaining a copy of my consumer report I became aware that I.C. System, Inc. is reporting an " alleged '' debt to my consumer report. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting verification but I am requesting for VALIDATION and PROOF OF CLAIM. I request that their office provide me with evidence that I am obligated to pay them. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ; 15 USC 1681 ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. I.C. System Inc. received all documents and supporting evidence of my complaint through the mail on XX/XX/2021.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX # XXXX BAL : {$680.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2021-12-31
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. (NJ)

Hello, My name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from my Graduate School, XXXX University, indicating that I was identified as an individual that was involved in a data breach of my personal information ( including- my name, address, date of birth, and social security number ). The school determined that in XX/XX/XXXX my information was exposed to hackers. I have reviewed my credit report and I have identified inquires that I have not committed myself. Below is the breakdown by the credit bureau of what does not belong to me and should be removed from my credit report. They are the following : 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 Equifax XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Please feel free to reach out to me directly for any additional questions you may have. 

Thank you, XXXX
Consumer complaint received 2021-10-22
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)

In the process of refinancing my home, my mortgage loan officer discovered a credit inquiry registered by Equifax XXXX on XX/XX/2021. I have a " member no. '' that was referenced in the inquiry but, besides the date and the credit reporting company, that was all the information my bank produced. However, after contacting Equifax in the US, the representative researched the inquiry and determined the company placing the credit check is XXXX XXXX. I have no knowledge whatsoever of this company and have not sought credit from any XXXX company. Therefore, my concern is that my credit report is being fraudulently accessed. I want a fraud alert placed to monitor any subsequent inquiry from this company and to make access of my credit information less readily accessible without my approval.
Consumer complaint received 2021-12-31
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)

I notified Equifax, XXXX, and XXXX about the Federal Violation of 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

I NEVER GAVE EQUIFAX, XXXX, AND XXXX ANY WRITTEN CONSENT TO REPORT ACCOUNT # XXXX XXXX XXXX XXXX. 
NO CONSENT IS IDENTITY THEFT, WHICH IS A FEDERAL CRIME.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (TX)

On XX/XX/XXXX I had {$450.00} stole from my account from fraud they refused to resolve this issue and only communicated through automated email I told them I was going to report them and I got an email my account was going to be closed on XX/XX/XXXX I called that day and they said it was probably a scam and nothing on my account said it would be closed. Now today on XX/XX/XXXX they closed my account and did not give me a reason why it was closed or an explanation.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (GA)

There is still reporting on closed account from XXXX XXXX. Account was sold to XXXX in XXXX, yet credit bureaus are allowing the repetitive reporting as follows : 42 charge offs with XXXX, 3 charge offs with XXXX, and 7 charge offs with XXXX. Please review attached screenshots from each credit bureau updated on XX/XX/XXXX. I have disputed this with all credit bureaus, and it is relevant that the bureaus are in violation of FCRA 15 U.S.C. 1681i. In XX/XX/XXXX XXXX took the correct action and deleted account from credit report, and failed to provide an explanation for reinsertion as requested from me, the consumer. Please immediately assist with deleting account from all 3 credit bureaus in an effort to avoid litigation.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (SC)

I purchased a pre-paid Netspend card in early XX/XX/2021. To use the card Netspend requires a social security number and other personal identifiable information. 
I followed the directions included with the card and called XXXX to activate the card, but had trouble with activating the card to use. I purchased it as a wedding gift for my niece, but she could not use it after I tried to activate it. 
My niece ( whom I gifted the card to ) and I called Netspend at XXXX ( the telephone number on the back of the card ) on XX/XX/2021 around XXXX and spoke to a guy named XXXX XXXX XXXX informed my niece and I that he would send me a check in the amount I paid- {$100.00}. He informed me that the check would arrive within 2 weeks or so, but it is XX/XX/2021 and I still have not gotten the {$100.00} check. 
I called Netspend back on XX/XX/2021, and Netspend said that they had sent the check, but I have never received it. 
I have waited on hold and spent a great deal of time trying to get my money back. The company telephone number has had me waiting for long hold times and I just want my money back.
Consumer complaint received 2021-10-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Vital Solutions, Inc. (FL)

This company is contacting me regarding auto debt. I spoke to them on XX/XX/21 when they called from XXXX. When I spoke to them, they said that I spoke to them on XX/XX/XXXX and confirmed the debt belong sto me and that my auto insurance should have covered the amount. This is a false claim. My phone records show that I received a call from a XXXX phone number on XX/XX/XXXX, which I now know any call that shows up as " Potential Spam '' with the same first 6 digits belongs to this conpany, but I did not answer. According to 15 USC 1692e of the Fair Debt Collection Practices Act, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This company has clearly violated this section.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AZ)

I opened a care credit card to help with vet bills when my dog got sick. There was a promotion of no interest as long as I paid in full after the 12 months. I submitted payments monthly and was under the impression I had everything paid off in XXXX. I did not hear from the company til now that there was a balance of {$310.00}. When I asked to clarify where the charges came from as I had paid everything off they stated that I still owed over {$45.00} on the statement and now had accrued late fees of {$29.00} and interest finance fee of {$180.00}. I asked for an explanation of the charges as the amounts were not adding up correctly. Even the associate trying to assist couldnt account for finance fee or give me what the ending balance at the end of the XXXX statement was. I explained I have made a payment each month and paid it off in XXXX which is why there was no payment made in XXXX. She removed the late fee and small finance fee of {$6.00} which was appreciated but again neither her or her supervisor could account for why the amount was still high which raised some flags for me. When I asked to dispute the charges they stated because I opened the account on a promotional special they were not able to. I am in the process of raising my credit score to buy a house and did not want this in collections as it would affect that process so I did make the payment which was brought down to {$270.00} to avoid accruing more fees since the company told me there wasnt anything I could do to dispute it and they couldnt remove any fees. I explained to them if I owed the money I understand I had to pay that wasnt the issue. The issue began with all these fees and amounts that they could not clarify for me started not adding up. When I tried logging into my account to see where the monthly statements no where on the account can I pull one up. It only shows the current balance now owed ( {$310.00} ) and past payment history. Now I ask for help in looking further into the issue as the finance company wont provide me with any additional information.
Consumer complaint received 2022-01-09
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. (MD)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX I applied for an extension of credit. A few days later I received a letter saying I was denied. I sent a letter requesting further information about the decision to the address provided on the denial letter and it was returned to me, unopened saying the address was incorrect.

Pursuant to 15 USC 1602 ( f ) credit is my right. Under the Truth In Lending Act 15 USC 1602 ( g ) defines the creditor as someone who regularly extends credit in connection with consumer credit transactions. This private consumer transaction that I did not volunteer to have furnished on my consumer report was unfavorable to me and is defined as adverse action pursuant to 15 USC 1681 ( k ) ( II ). I initiated this transaction using my credit card as defined by 15 USC1602 ( l ). Once I provided them my credit card number they completed a transaction from which I received no benefit. The proof of this unauthorized use of my credit as defined by 15 USC 1602 ( p ) is on the inquiry that is now on my consumer report.

American Express has therefore discriminated against me pursuant to 15 USC 1691 ( a ) because I completed this application in good faith and they refused my right to credit.
Consumer complaint received 2022-08-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit bureaus stated my account XXXX was properly investigated, but how is that possible if the date open is inaccurate, the date last active is inaccurate, and the date last reported in not accurate?

This is grounds for removal as they have also violated my rights under 15 U.S.C. 1681 Section ( a ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00} According to 15 U.S.C 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

There are ( 9 ) inaccuracies and violations
Consumer complaint received 2021-10-22
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. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX 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 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 and remove the accounts 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 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.