davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (GA)

In XX/XX/2021 I paid off my credit card with Goldman Sachs. In XXXX and XX/XX/2021 I had thousands of fraudulent transactions on my credit card. I have dealt with Goldman Sachs for 7 months to get all of the transactions resolved. They are still not all resolved. Also, through all this, I have not made a payment on the fraud balance and so Goldman Sachs has been reporting me 120+ days past due on my credit report.

Goldman Sachs has resolved all but {$120.00} of the fraud balance. 
I have spent hours on the phone with them and each time I call I hear the same story. " We will escalate this to the appropriate department and someone will call you within 90 days ''. NO ONE has ever called me nor has anyone corrected anything. 
I just want the remaining balance to be XXXX and my credit restored to the way it was prior to the fraud, which was 100 % perfect payment history.
Consumer complaint received 2022-03-04
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-22
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: Experian Information Solutions Inc. (SC)

To whom it may concern, You state that the inquiries on my credit report are factual. You delivered dispute results to me on XX/XX/XXXX at XXXX outside of the CFPB , which is the only place I gave you permission to contact me, that is a {$1000.00} fine. Furthermore, you state that you completed an investigation and the inquiries are a factual record. Pursuant to 15 usc 1681a ( e ) -The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Who did you interview as required by law? The items need to be deleted from my credit file immediately as required by law. 
XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-01-07
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. (MD)

I am assuming that the bureaus have been busy and haven't had a chance to my dispute letter yet Its been over 60 days since i sent in my dispute regarding inaccurate items on my report and I still have not received any response yet To be exact on XX/XX/2020 I sent in my dispute via certified mail. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days I demand these accounts be deleted immediately. I would like to add that my information was impacted by the XXXX  data breach. This is possibly an explanation of the inaccurate items on my report please help me solve this manner as soon as possible.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (WI)

In 2016 I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in the hospital for 3 weeks and was XXXX for a few months. I had medicaid. These debts were supposed to be paid by Medicaid. In XXXX I called medicaid with Americollect and medicaid verified I had coverage but that they wouldnt pay as its over a year old. XXXX XXXX recognizes they made a mistake and said they would remove it from my credit but they have not yet.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (VA)

On Saturday XX/XX/2021 I was denied access to my Safety Deposit box at the Truist / BB & T brnach located at XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. I was informed by Truist /BB & T representative ( XXXX XXXX XXXX ) that the branch was not staffed with officers who could open the safety deposit box. I have a safety deposit box at this branch for over 20 years. The lack of access to my SD box contents today is troubling, and has had impacts to my business. The bank needs to maintain required staffing levels and support all banking functions during posted banking hours.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

Specialized Loan Servicing ( SLS ) became my loan servicer after purchasing my loan from XXXX XXXX loans. I paid my first payment to XXXX XXXX  loans on XX/XX/21 as scheduled. On XXXX, XXXX forwarded the payment to Specialized Loan Servicing as they were the new servicer. On XX/XX/21 at XXXX, XXXX XXXX for the forwarded mortgage payment check at their office in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX by someone with the last name of XXXX ' XXXX I have since made 5 phone calls asking the payment to be applied to my account and asking the company to stop the harassing phone calls about 'a missed payment ' as they had the check and there was proof of delivery. Each time they state they don't know where the payment is but there is proof of delivery and they are now assessing late fees even after multiple calls asking them to please look for the payment. I have emailed them copies of the proof of delivery, screenshots of my bank account deduction from the previous lender and tried to fix this on my own but i cant get help.
Consumer complaint received 2021-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX loans Dates, amounts, and actions that were taken by you or the company are attached in the link below I would like to resolve this matter by the creditor having to cease and desist any further collection of any alleged debts they claim I owe. According to the Fair debt collection practice act and section 609 law, they don't have the right to collect the debt without providing me with my original instrument of INDEBTEDNESS. Therefore all those items in dispute must cease and desist immediately! 


Also I expect the credit bureaus to remove those items from my credit report immediately, or I would like to proceed with a litigation process immediately against them.
Consumer complaint received 2022-10-10
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)

To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 


Account name XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account number XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate information from my credit report. 




Thank you for your time and help in this matter. 


XXXX XXXX XXXX
Consumer complaint received 2020-08-26
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. (CT)

my information was stolen and use to open XXXX  XXXX auto FN account. i contact the credit company and XXXX  XXXX and let each know but the account is still on my credit
Consumer complaint received 2022-01-07
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. (OK)

On XX/XX/XXXX, I was on my way to physical therapy when I was hit by a lady who had no drivers license or insurance. The lady was at fault and received several tickets. My insurance company XXXX determined that my car was a total lose and issued XXXX XXXX a payment of XXXX, XXXX on XX/XX/XXXX. On the day of my accident I got a payoff quote sent to me from XXXX XXXX ( The Payoff Amount owed on the Account is {$13000.00} as of XX/XX/XXXX ) and I notified them of the accident. I also purchased GAP insurance and a warranty when I purchased the car which totaled 4000, which should take care of the difference. Credit acceptance is now saying I dont have Gap or a warranty and is reporting to the credit bureaus that I am 60-90 days behind on payments and owe them 2000 ( the amount keeps rising so Im not for sure on amount ). This is the second time reporting XXXX XXXX  the first time was for the FAKE warranty that I purchased and now to find out the Gap insurance I purchased was a scam also. 
I sent a dispute to all three credit bureaus that showed all this and explained the date of the last payment was wrong which according to MY RIGHTS the credit bureaus should have deleted it because of incorrect information instead ignored my request and said it was reporting correctly. This would also be the second time all three credit bureaus violated MY RIGHTS, I am also sending a copy of the first dispute where all three credit bureaus refused to delete incorrect payment information.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

SOUTHWEST CREDIT SYSTEMS/Good Evening / and Happy Holidays! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-10-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC (AZ)

I am getting numerous and many calls everyday on this loan, which are harrassing and extremely disruptive to my work day. This company is also trying to take funds out of any account they ever used and trying to OVERDRAW my bank account. I have advised them that my finance status has changed. I can not afford to pay this loan at the amount they require me to pay which is accruing MUCH INTEREST everyday. I know I owe the money and am willing to pay this, but not at the original agreement ( other than to file bancrupty ). I want the excessive calls to stop, put the loan on HOLD for interest and fees, and give me a chance to catch up on the principal amount owed. They are unreasonable at this point
Consumer complaint received 2022-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I currently have three fraudulent inquiries on my XXXX credit report, that i have reported to XXXX agency and they have yet to delete the incorrect information on my credit file. 

I called several times and when Im not getting anywhere with customer service agent, I than request for a supervisor but of getting to speak with a supervisor the agent placed me in a hold for over an hour. 

The inquiries that are in question are listed below. 
XXXX XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

Hi, I have a credit card with Home Depot. I've had the card for about a year I think. I try to always pay my credit cards on time. Every single month, I try to log onto my account and the login on my phone states that it is the wrong password. I then change my password ( This happens every month!!! ). I usually get into the account by changing my password on a monthly basis. I now have it on a post-it and stuck around my credit card and I couldn't even get onto my acct yesterday at all even after changing my password, so I called the customer service number on the back of my credit card and I got connected to some woman that wouldn't stop talking and wouldn't take a breath to sell me some kind of insurance. I hung up on her and called back and finally got to pay my bill. This is an ongoing problem every month. I really wish I had the money to pay the entire balance now and close the acct. This is beyond annoying and way too much work to pay a bill. I can't be the only one having this problem. Is this so I can incur late fees for not paying a bill? I have contacted Home depot numerous times and they send me texts that someone will contact me and they never do. ( I still have those texts ). Sick to death of this
Consumer complaint received 2020-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (VA)

I found some debt collections on my Credit report in XXXX for Credit Services Company , Inc. I sent a request for validation of the debt on XX/XX/XXXX. In response, I received 3 debt notification communications dated XX/XX/XXXX for 3 accounts and a note that stated that I had 30 days to dispute the validity of the debt. The notifications had two names on them, my name and a XXXX XXXX. On XX/XX/XXXX, I received a notification that one account had been cancelled. On XX/XX/XXXX, I sent a second request for validation of the debt for the remaining accounts via certified mail and received USPS confirmation that the letter was delivered at XXXX XXXX  on XX/XX/XXXX. I received no response. On XX/XX/XXXX, I sent a third request for debt validation citing FDCPA and other laws requiring them to provide proof that I owed this debt. I received delivery confirmation that the letter was received on XX/XX/XXXX. In response, I received a one page document dated XX/XX/XXXX for one account stating they had determined that the debt was valid, but with no validation documentation as required by law. I received a second letter dated XX/XX/XXXX with the statement that they had concluded that the debt was valid along with a bill dated XX/XX/XXXX with both my name and the name XXXX on it, but no validating documents or anything with a signature on it. 

CSC has refused to remove the debt from my credit reports. I have given them more than ample time to provide documents showing that I incurred this questionable debt. CSC is still reporting this collection on my credit report, which is considered to be a continuation of collection activity after a request for debt validation. The combined debt amount is {$2000.00} and CSC continues to add interest every month and then report the outstanding amount to the credit reporting agencies.
Consumer complaint received 2022-08-05
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. (DC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX and XXXX XXXX XXXX Acct XXXX XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a 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 written instructions I sent a dispute for accounts that were included in my divorce as well as copies of my divorce decree. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I asked for more information about the investigation process and what steps they took to confirm I was responsible for these accounts. I was just sent another letter saying the invest
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have a issue with Bank Of America which is on XXXX and XXXX XXXX XXXX  XXXX, a teller in this branch helped someone else cashed my check under my name but not my signature on XXXX XXXX. I was trying to make solutions with them, but no one can help me exactly. They just said sorry for me and refused to claim the issue. The check amount is {$3800.00}. 

I tried call the fraud claim from their bank, the services told me they can not file the claim, because i don't have account with them, told me to call my bank. I think it is a huge joke, the money was not gone from my bank. There's no way I can solve the issue. 

I have a reciept from the hosipital, and the ID file below. By comparison, it can be found that the signatures are completely different. 

Hope to hear from you soon! 

Thank you : )