davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-05
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: SYNCHRONY FINANCIAL (TX)

Account # XXXX XXXX XXXX XXXX I have called the creditor ; SYNCB/WALM at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. All payments were made on time ; never a late payment 2. The age of the account 3. The account is closed 4. Shows account status as " Paid Satisfactory '' After XX/XX/2018 there is NA payment history, the account is closed. Please remove from credit reports.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma (LA)

Credit Karma is holding my phone and will not release them I can not use my phone as a father dispute the dispute was successful so I want to dispute and Credit Karma still will not release the hold off my account I have signed in my ID my driver 's license and also other things and it's getting really frustrated hoping to get this squared away so I don't have to keep dealing with this I have asked them multiple times to close my account but they keep saying it can not close my account but I also can I use my phone this is very irritating and I'm getting frustrated please look into this
Consumer complaint received 2022-09-05
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: CITIBANK, N.A. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account 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 block/remove these files. If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. CITI XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, CITICARDS CBNA XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Consumer complaint received 2022-09-05
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)

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. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-09-05
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. (FL)

I have contacted the company on multiple occasions. They told me that the addresses were going to be removed but they still show up. My only name is XXXX XXXX. It should only be one name. My address has always been XXXX XXXX XXXX XXXX, XXXX, FL XXXX. No other address should be on there. I am DEMANDING this information be corrected.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MO)

This is the second time I had to do this with Synchrony BankXXXX XXXX XXXX Synchrony just sold old information to another credit collection agency which is called XXXX XXXX XXXX this summer. I was unaware of this until I got a notification from XXXX. This resulted a decrease in my credit score AGAIN by XXXX points on XXXX. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. Synchrony Bank even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. 

I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in XXXX  years. If there is anything reflecting a balance it is not me. It is fraud.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

Between the years XXXX, I was persuaded by my loan servicer, Navient, to either use forebearance or deferment as a method to postpone payments I could not afford rather than reducing my payments or offering me income-based repayments.
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MNS & Associates LLC (NJ)

I have asked them to stop calling my family members and threatening them. Asking them where I live. I talked to them and asked them to stop calling and the man said absolutely not! He was harassing me on the phone and threatening me. Asking for my social security number. Saying they know who I am. When you google them on XXXX XXXX so many complaint. 
MNS associates. All complaints say the same thing. If I owe you, they will send a letter not call your friends and family to harass them. 

XXXX this is their number and if you block ot they call you from 20 other numbers
Consumer complaint received 2022-09-04
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: CITIBANK, N.A. (NY)

On XX/XX/29 my fiance and myself went to Costco. He applied for a Costco anywhere card by Citi bank. As he was finishing up the application, the customer service representative asked if he wanted to make me an authorized user. We asked if this would mean I would have to apply for a card as well, which I did not want to apply for credit card. She said no and was annoyed that we had asked that question. So my fiance said yes, she asked me to enter the last four digits of my social security number and that would allow me to be an authorized user. She then give us a print out of the temporary card. The temporary card only had my fiance 's name on it, please see the attached file for this document. On XXXX XXXX, both of us received two separate credit cards to my horror. I never signed up for a credit card only to be an authorized user. My fiance called Citi bank and asked them to correct this as the card opened in my name and done so without my permission. However, they said they could only removed my as the authorized user. They said I have to contact the Credit bureau to correct the issue. My credit score has been reduced as a result of this unauthorized card being open in my name and it's was done so without my permission. This customer service representative open a credit card without my permission and I would my credit score be fixed and this card be removed. It was a fraudulent act by Costco.
Consumer complaint received 2022-09-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: LDF Holdings, LLC (FL)

IN ACCORDANCE WITH THE FAIR CREDITREPORTING ACT. XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHTS TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 16668 : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2022-09-04
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 I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained 36 times to XXXX. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX and Equifax more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now and can't get approved for nothing cause of the damages of character of my name
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$29.00}
Consumer complaint received 2022-11-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (TX)

I called M & T Bank and as usually the same prompts were provided. 
The representative was unknowledgeable, Concerning my identity theft and other prior documentation concerning my account. 
I was asked questions that made me suspicious of situation. I hurried off the call with M & T bank and noticed my cellphone number I use to identify M & T Bank with and us to call from my contact list was different and it disappeared. I took a snap shot of what I could to justify my accusations. I immediately called the FTC and, while speaking with the representative my cellphone started to upload. I told the representative I had to hurry and hang up. 
I then turned off my cellphone.

My M & T Bank is cloned with an imposter pretending to be my mortgage company. 
My cellphone is hacked and my-accounts are to. This is a familiar incident I am experiencing with XXXX currently. I provided XXXX with the impostors contact information that is being used to scam me.. 
I have information in my phone that states encrypted secret conversations T that I did not authorized or have knowledge of, until recently. 
I request an investigation and a stop to foreclosure procedures. 
It is more that obvious that I am experiencing extreme identity theft and it has already been documented and identified. 
I am not receiving emails or any correspondence properly. 
All of my electronic devices have been compromised. 
I have a police report. The bankruptcy M & T Bank validated was months prior to my knowledge of occurring. I received NO correspondence from M & T Bank, concerning a bankruptcy, during the time of the fraudulent transactions occurred. 
I am a victim, I am being treated unfairly. 
I reported fraud and I have not spoken to anyone concerning the investigation of the criminal fraudulent activities that are occurring in my name under my identity that is approved by M & T Bank. 
I have information that I am anticipating sharing with M & T Bank in the pursuit of Justice.
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

Recently updated business software, a double payment in the amount of {$2300.00} was issued to the same vendor on 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. The vendor cashed the XX/XX/XXXX check and promptly returned XX/XX/XXXX check with a note " This invoice has been paid. '' Wells Fargo, our bank, deducted our account twice for the same amount, on XX/XX/XXXX and on XX/XX/XXXX. I called WF on XX/XX/XXXX and was given a claim number and informed me that they will notify me in 10 business days. When I did not hear anything I called again on XX/XX/XXXX and was informed that the claim was denied. When I insisted that I am holding the uncashed check, WF promised to send my complain to their escalation team. I was given a second claim number that was different from the first one. When I did not hear anything again, I called on XX/XX/XXXX and was given the same information that the claim was denied and the second claim number was non-existent. I was transferred to at least 5 different reps and the last one hung up on me. I called again on XX/XX/XXXX, and after getting the same denial I requested to speak to a supervisor, the rep told me that it would be a useless effort since I will be getting the same answer. The supervisor told me he will " stop the payment '' and gave me a claim number, which was the second claim number noone could find in my previous phone calls. I called again on XX/XX/XXXX only to be informed that my case was closed and nothing else will be done. I am owed {$2300.00} by WF and they won't do anything to refund me the money. Please help.
Consumer complaint received 2022-09-05
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-05
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NC)

Citi Card violates false allegations, false statements, customer privacy laws. Discrimination. Customer rights. 

1. After the old card expired, Citi Card Company refused to issue me a new card for violation of customer rights. 
2. Citi Card falsely accused me of being " bankrupt. '' violation of false allegations, and false statement. 
3. Citi card company intentionally, maliciously intent to block my online username and password, preventing me from paying the remaining {$290.00} which I can pay immediately. violation of customer rights. 
4. Without my consent or authorization, Citi Card Company submitted a balance of {$290.00} to the credit reporting company ( s ). 
5. Damaged my reputation, character and career due to false allegations and false statement violation of customer privacy, and consent act.
Consumer complaint received 2018-09-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My mortgage is with Bank Of America. I requested a mortgage modification several months ago to bring my mortgage current. My modification being processed and there is a property foreclosure sale date set for XXXX XXXX. I received correspondence from the Foreclosure attorney stating the property foreclosure sale date. I have done some research pertaining to the foreclosure statue for Tennessee. XXXX Tennessee Code Annotated T. C.A. 35-5-107 & 35-5-106 states the homeowner is to receive by mail 30 day notice prior to the foreclosure. The Foreclosure correspondence is dated XX/XX/2018. I received the Foreclosure correspondence XX/XX/2018 by mail. 


Please assist me with maintaining ownership of my home. I don't want to loose my Home!!!!!!!!!!!!!
Consumer complaint received 2022-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

On XX/XX/2022, the sum of {$37000.00} ( dollars ) was stolen from my business account without my authorization, this after opening a text message supposedly received from CITIBANK, in which I opened a link to cancel an alleged transaction that It was trying to be made in my account ; I opened said link and they asked me for personal information ( name, XXXX, and other personal data ), this was dated XX/XX/2022 and XXXX days later they took the sum of money described above, leaving me only {$14.00} dollars and cents in my account.-NOTE : This account is the only one I had and all the money with which I am working, paying people who help me, buying materials, personal expenses such as rent where I live, vehicle insurance, etcI immediately called the bank to report the fraud, signed an affidavit with the statement of the facts and sent it to the Citibank fraud department , to date I have not received a response from the investigation, nor have I been reimbursed a single just tell about what was stolen from me.-The business account is in the name of XXXX XXXXXXXX XXXX XXXX.and the dispute # is XXXX XXXX
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

A dispute regarding the amount of a charged off XXXX account was presented in late XXXX XXXX Credit score was XXXX at the time. After XXXX responded and confirmed account details. XXXX and Equifax score dropped to XXXX. The following week, Equifax updated credit report with company response as the reporting date for delinquent account and the score dropped to XXXX. This account was opened back in XXXX and charged off in XXXX or XXXX. There is no reason why the new reporting date should be XX/XX/XXXX. There is no new information on the account that has changed. A dispute response date from company should not be utilized as date of delinquency which they have factored in to determine my new score. The age of the account along with the status of account and all delinquent payments remains exactly the same after dispute was concluded.