davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
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: AMERICAN EXPRESS COMPANY (MI)

THIS IS IN REGARD TO AMERICAN EXPRESS ACCOUNT # XXXX THAT WAS OPENED ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX THAT IS SHOWING AN AMOUNT PAST DUE AND CHARGED OFF OF USD XXXX. WHEN I HANDED THE ACCOUNT OVER TO THE XXXX XXXX XXXX ASSIGNED CONSERVATOR, THE ACCOUNT HAD A XXXX BALANCE AND I HAVE NO IDEA WHO MADE CHARGES ON THE ACCOUNT ACCRUING TO USD XXXX OR IF THESE WERE THE RESULT OF ANNUAL FEES FOR THE AMERICAN EXPRESS PRODUCT. 

IN ANY CASE, I HAD NO ACCESS TO THIS ACCOUNT AFTER MR. XXXX XXXX FORWARDED ALL MY MAIL AND ANY REPLACEMENT CARDS SENT TO HIS OFFICE AT XXXX XXXX XXXX XXXX, XXXX MI XXXX AND SAID HE HAD CANCELLED OFF ALL MY CREDIT CARD ACCOUNTS AND SEIZED MY BANK ACCOUNTS. 

I WARNED THE AMERICAN EXPRESS REPRESENTATIVE I SPOKE WITH THAT THIS CARD COULD POSSIBLY BE ONE OF THE CARDS IN MY CAR THAT WAS AUCTIONED OFF AND THE REPRESENTATIVE INFORMED ME THAT NEW CARDS WILL BE RE-ISSUED AND THAT I AM NOT LIABLE OR RESPONSIBLE FOR CHARGES THAT I DID NOT MAKE OR ARISE FROM FRAUD. 

I HAVE NO WAY OF TELLING WHETHER THE BALANCE IS ACCURATE OR WHETHER THOSE CHARGES WERE MADE BY SOMEONE OTHER THAN MYSELF, FOR INSTANCE MR. XXXX XXXX AS ALL THE STATEMENTS GOT FORWARDED TO HIS OFFICE AND I WAS NOT ALLOWED TO VIEW THEM. 

I DO REMEMBER THAT THE FIRST THING I DID AFTER GETTING OUT OF THE HOSPITAL WAS TO MAKE PAYMENTS ON ALL MY CREDIT AND CHARGE CARDS FOR FEAR THEY WERE 1 MONTH LATE AND MIGHT AFFECT MY CREDIT HISTORY AND I USUALLY PAY ALL MY CARDS IN FULL EVERY MONTH AS SHOWN IN MY CREDIT HISTORY AND SO I AM NOT SURE WHY THERE IS A USD XXXX BALANCE ON THIS CARD AND IF THEY WERE DUE TO ANNUAL FEES OR CHARGES MADE FRAUDULENTLY OR BY MR. XXXX. 

IN ANY CASE, THE AMERICAN EXPRESS REPRESENTATIVE SAID I WILL NOT BE LIABLE OR HELD RESPONSIBLE FOR CHARGES NOT AUTHORIZED BY ME INCLUDING FRAUDULENT CHARGES AND YET THESE CHARGED AMOUNTS ARE APPEARING ON MY CREDIT HISTORY AND RECORD EVEN AFTER I TOLD THE REPRESENTATIVE THAT SOMEONE CHANGED THE ACCOUNT ADDRESS AND I AM NO LONGER IN CONTROL OR POSSESSION OF THE AMEX CARD. 

AS SUCH, I COULD NOT POSSIBLY HAVE MADE THE CHARGES THAT ACCRUE TO USD XXXX SINCE I LOST ACCESS TO THE ACCOUNT UPON MR. XXXX XXXX TAKING OVER SOMETIME IN XX/XX/XXXX. 

AS SUCH, PLEASE REMOVE THE PERIOD THAT I AM NOT RESPONSIBLE FOR THE ACCOUNT AND THE NEGATIVE ITEMS OFF MY CREDIT HISTORY.
Consumer complaint received 2023-01-11
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)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2022-01-19
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. (OH)

I have one 90 day late payment on this account which makes no sense because I have had a positive history. This remark is hurting my payment history and ability to purchase a home. Each time I dispute they say it is verified or updated with no explanation or proof on how the information was verified. I have also wrote XXXX and they never replied. I want this removed off my credit profile immediately.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: DISCOVER BANK (MI)

On XX/XX/XXXX. XXXX the Defendant, XXXX XXXX XXXX had a XXXX  meeting with Discover Card Services the Plaintiff in XXXX. District Court before Judge XXXX regarding the illegal filing of a Judgement Lien. State of Michigan XXXX case XXXX was incorrectly heard as a Garnishment Case instead of a Judgement. Plaintiff 's attorneys did file a Judgement Lien with the register of deeds in XXXX XXXX County on XX/XX/XXXX. 
The owners of the property the lien was filed on is owned by XXXX XXXX XXXX and XXXX XXXX XXXX, husband and wife by the entireties and in Michigan that prevents a creditor from attaching property owned jointly when their claim is against only one of the parties. Now, Plaintiff should know this as they did it in XXXX and were later chastised for failure to release the lien, which was and illegal use of the law. ACT 236 of 1961 Section 600.2813 allows penalties of {$300.00} for failure to discharge the illegal lien. The law also allows fines of {$5000.00} and 3 years imprisonment as this is a felony under Michigan Law.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-09-24
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: Experian Information Solutions Inc. (MA)

On Mar XX/XX/2020, XXXX  add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature 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 that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2021-09-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NV)

Goldman Sachs is reporting deposits that I make into my Goldman Sachs Marcus money market account as " Collection '' withdrawals from my XXXX XXXX XXXX  checking account : please see supporting documentation of at least 5 examples of these " Goldman Sachs BA Collection '' withdrawals that have posted on my recent XXXX XXXX Bank checking account statements. 

These incorrect postings are causing XXXX XXXX  's mortgage division to inquire about these " collection '' activities, which they claim that I did not disclose to them. These multiple and compounding instances of inaccurate reporting by Goldman Sachs are jeopardizing my loan approval and damaging my credibility with XXXX XXXX  and XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  on XX/XX/2021, and XXXX XXXX XXXX  confirmed that Goldman Sachs is the financial institution indicating each withdrawal from my XXXX XXXX XXXX  as " collection '' activity.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX at XXXX I called Bank of America 's fraud department to report an online account take over and regain access to my accounts. They directed me into the physical branch closest to meat Bank of America 's XXXX XXXX XXXX XXXX XXXX branch in XXXX XXXX CA to verify my identity before further action could be taken. I brought verifying documents into the branch at around XXXX, regained access to my online account around XXXX, reviewed activity & filed 2 claims : Credit fraud - 3 unauthorized XXXX  transactions on credit cards totaling {$480.00}. I contacted XXXX, and those transactions were refunded on XX/XX/XXXX. 
Check fraud - 2 " cashed check '' teller transactions in XXXX CA, totaling {$5700.00}, which bank of america has not resolved. 

I froze all compromised accounts and was told I would receive further instructions on documents to submit etc, for the investigation. 

It has been 15+ business days since the claim was filed with no communication or action regarding the checking fraud investigation with Bank of America . I've called numerous times requesting information & that the funds be credited to my account. Bank of America refused to provide a timeline for crediting my account with the stolen funds and I have not received any physical mail with further instruction on the investigation. 

On XX/XX/XXXX when the theft occurred, I was physically in a XXXX XXXX CA Bank of America with extensive documentation verifying my identity, while simultaneously funds were being stolen, in-person, from a Bank of America branch in XXXX CA XXXX Unless Bank of America believes I'm magic and can physically be in two places at once, they have no reasonable grounds to withhold funds.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

Throughout the year of 2021, approximately {$44.00} have been withdrawn from my personal bank account and deposited into an HSA account via XXXX XXXX- a division of Webster Bank on a biweekly basis for the purposes of covering my medical expenses. Since the beginning of the year - almost monthly or every other month, I've attempted to use the debit card supposedly holding the funds to pay for what is CLEARLY APPROVED MEDICAL EXPENSES and the card has been denied each time. I currently have a medical bill for over XXXX XXXX dollars on its way to the credit bureau if it has'nt arrived there already. I've spent several hundred dollars of funds that I have set aside for personal expenses to cover medical costs such as prescriptions, feminine hygiene products, and even urgent care facility visits. Meanwhile, my so-called HSA account has over {$1600.00} of money that I earned that I can not access or use. 

I'm extremely excited about the cryptocurrency era rapidly approaching and hopefully taking over. I'm even more excited that companies with an emphasis on actual customer service and customer satisfaction like XXXX are considering providing health insurance. 

This is just unfair and unreal.
Consumer complaint received 2021-11-11
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: Experian Information Solutions Inc. (PA)

As I routinely check my credit profile via XXXX XXXX, I've noticed inaccurate reporting on there. I've notice unauthorized inquires as well as accounts that has been reported. I've contacted the creditors personally and they have advised that I contact the bureaus. I've been contacting bureaus on multiple occasions and still, no progress. I was advised to send in a police report and a FTC report which I did via postal mail but each bureau claim that they have not received those documentations. I follow each step promptly and still, no progression.
Consumer complaint received 2021-11-11
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. (IL)

My complaint is regarding refusal to remove from my consumer reports closed accounts that originally reported years XXXX & XXXX, based on the Higher Education Act, that was amended XX/XX/XXXX. Ive contacted the loan furnisher XXXX as well as the individual credit bureaus without resolution. 

XX/XX/XXXX the Law changed with regards to retention also known as Duration of Authority, in which the timeframe a consumer reporting agency and loan furnisher have to report accounts., The Higher Education Act of XXXX, amended XX/XX/XXXX, Section 430A ( f ) states Duration of Authority - a consumer reporting agency ( XXXX XXXX XXXX, Transunion XXXX XXXX XXXX ) may make a report containing information received from the eligible lender ( XXXX  ), regarding the status of a borrowers DEFAULTED account on a loan guaranteed under this part UNTIL 7 YEARS FROM THE DATE THE ELIGIBLE LENDER ( XXXX  ) FIRST REPORTED THE ACCOUNT to the consumer reporting agency ( XXXX XXXX XXXX, Transunion XXXX XXXX XXXX ). The link to the United States Federal Governments website with regards to the Higher Education Act of XXXX is listed below. Read Section 430A Duration Of Authority, and please remove and/or give authorization to remove the 5 closed student loan accounts. Ive also attached a copy of what the amended law states. 


XXXX XXXX  XXXX
Consumer complaint received 2020-05-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX   XXXX/XXXX  XXXX, XXXX/XXXX, XXXX/XXXX, XXXX  XXXX   XXXX  XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries XXXX  XXXX XXXX  XXXX  XXXX/XXXX   XXXX/XXXX  XXXX  XXXX/XXXX  XXXX XXXX/XXXX
Consumer complaint received 2024-11-22
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (MS)

I closed an account because I can no longer pay on the account now or in the foreseeable future. I relieve Social Security XXXX now and I have sent the creditor a certified ( Letter, see attachments ), mail asking them to cease and desist from phone calls, emails, texts, snail mail regarding the closed account. They continue to break the law in accordance with Consumer Financial Protection Bureau Federal Law, ( See federal code in attachments ). I am prepared to file a cause of action against Sams Club/Synchrony Bank in XXXX XXXX Federal Court if they persist in trying to contact me... for account number XXXX.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (CO)

Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the XXXX funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

As I have explained I had NO knowledge of this account and XXXX funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.
Consumer complaint received 2021-09-04
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: Santander Consumer USA Holdings Inc. (CA)

This doesn't belong to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am refiling this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AL)

The incorrect information pertains to Navient. My credit was impacted because XXXX is reporting wrong that I am 90 days late yet they are also reporting that I have made 100 percent of my payments. My student loan has been in forbearance and paused due to the Government loan pause on student loans. 
This inaccurate reporting is negatively impacting my credit profile and financial standing. I kindly request that you investigate the matter and take the necessary steps to rectify the situation promptly. 

Despite my previous attempts to resolve this matter through the company involved, the issue remains unresolved and continues to impact my financial standing. 

I have diligently followed the proper channels to address the inaccuracies on my credit report, including contacting both XXXX and Navient. However, to my disappointment, the situation has not been rectified, and I am left with the burden of incorrect credit information that does not reflect my true creditworthiness. 

I understand the importance of accurate credit reporting for both consumers and credit bureaus. To assist you in resolving this matter efficiently, I have attached relevant documentation that supports my claim. I kindly ask that you conduct a thorough review of my credit report and make the necessary corrections in accordance with the Fair Credit Reporting Act. 
Please keep me informed about the progress of this investigation and any actions taken to address the inaccuracies. I appreciate your attention to this matter and your prompt response.
Consumer complaint received 2022-01-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

Our loan was sold to PHH Mortgage and they not releasing my escrow for taxes that they collecting nor they releasing money for insurance we already paid for a full year PHH Mortgage # XXXX PHH Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX www.phhmortgage.com
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MA)

Victim of a Predatory loan fiananced by Santander XX/XX/2013. Santander has XXXX and XXXX  me over a decade through false reporting negative information to the credit bureaus and parking bad debt in an attempt to coerce payment. Filing a complaint with the CFPB looking for support only made things worse and emboldened their behavior. Actively violating the CFPB consent. CFPB received civil funds for consumers harmed totaling {>= $1,000,000} from judgement against Santander over a year ago. CFPB data shows complaints in Massachusetts show no slowing down. 

I was not notified by CFPB as a victim harmed? Why is their no accountability with enforcement regarding the orders and stipulations that were signed in court?
Consumer complaint received 2020-11-28
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: Experian Information Solutions Inc. (WA)

-I disputed a way someone reported me on my credit report. I did this on XX/XX/XX/XX/XXXX Within hours they said it was " updated '' However they marked me as a collection for XXXX XXXX and XXXX ofXX/XX/XXXX 
-This account was paid and closed in late XXXX. 
-The company was supposed to waive any lates or charges In XXXX, XXXX, and XXXX of XXXX which is what I was reporting. 
-How can Experian just " update '' what they assume without looking into it and then I am the one that suffers. This is ridiculous. 

-TAKE THESE WRONG MARKS OFF OF MY CREDIT. I AM TIRED OF THEM SCREWING THINGS UP WHEN I NEED IT FIXED!