davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

Amex suspended XXXX of my credit cards, around 2 months ago, for financial review. I sent them 3 years of taxes. They have not provided an update or restored my cards. They remain suspended and I have no idea what the status of the review is. There are XXXX household members who also have Amex cards, but because they earn a higher income than me, Amex treats them more favorably and does not subject them to the same scrutiny and restrictions. Amex has conducted multiple financial reviews of my cards since the first time I became a customer, and I pass each one with flying colors because I have always had income and a stable job, income that only increases each year, I have never missed a payment or had any unsatisfactory record with Amex, but they don't care about that, they just care about making my life difficult while I am in the middle of travels and taking care of my health so I can work and pay their bills. Not sure why they are doing this, maybe because I am of Armenian ancestry, they flag my account all the time despite not having any reason to do so. What are they looking for for so long and so closely? Is it lying around someone's desk gathering dust, or is someone actually reviewing everything? Are they just trying to find a reason to penalize me and are unable to because there is nothing to penalize? It seems discriminatory to me. I would not be surprised if suddenly they responded with a status, and then closed my accounts anyway to retaliate against me for making this complaint. I just want to continue making my payments as I have done more more than half a decade, and use whatever available credit there is on my cards responsibly. Gas is XXXX dollars a gallon, and I take public transportation and walk where I can. I am doing everything I can to live and survive, while the pandemic is ongoing, while I have had to relocate due to XXXX  XXXX perpetrated by the Amex customers from my household, and while I have to work remotely while my work office is closed for over 2 years now through the pandemic. What more do these companies want from me. I am giving them my whole paycheck just to live. This is unfair.
Consumer complaint received 2020-08-11
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: CNG FINANCIAL CORPORATION (CA)

I have a loan with XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-07-30
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. (NV)

I have had multiple fraudulent inquires posted on my credit reports. I have filed reports with the reporting agencies many times. I contact the financial institutions as well. This is in regards to the most recent fraudulent inquiry. I posted on XX/XX/2022 and it was with Equifax. The fraudsters seem to be alternating. Some post on XXXX while others post on Equifax. I did not authorize any inquiry nor will there be any authorized inquiries any time soon.
Consumer complaint received 2021-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MD)

I owe Ally Financial {$2.00}, XXXX for the remainder of my vehicle loan. I paid {$210.00} and {$200.00}, because I am trying to pay the loan off, however when I checked my account It still comes up as {$2500.00} and not the reduction from the initial payment of {$2100.00} and he stated that the XXXX was forwarded to XXXX payment.
Consumer complaint received 2019-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AR)

Since origination my loan has been sold to multiple mortgage servicing companies. I don't like the fact I have no control over this but I understand that's just the way it is. I've had a few issues here and there with some servicers but nothing like my experience with Lakeview Loan Servicing.

From the very beginning they have made errors and mistakes processing simple payments. I have had to contact them on a least 5 different occasions generally taking several calls for each issue. They like to give you the run around. " Email this here '', " call this number '', " We will call you back with a resolution '', " We will get it fixed '' then don't. 

The biggest problem has been my escrow account. They have messed that up 3 times now. I pay a shortage, on-time, they apply it to my principal. They fix the misapplication but don't re-adjust the payment correctly. They also don't re-figure the additional interest I was charged because of their mistake. This time it has been a 6 month process with multiple calls. Also being lied to by a very rude and unprofessional manager named XXXX. The issue is still not resolved. 

I've just had it. All I do is make my payments on time every month and respond accordingly and on time when something like a shortage comes up. It's so frustrating and I don't trust them to do anything right and feel like I constantly need to keep them in check or make sure they don't XXXX something up again. 0 % confidence in this servicer, zero!
Consumer complaint received 2022-10-08
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. (VA)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

1. XXXXXXXX XXXX Account Number : XXXX Bal : {$4800.00} 2. XXXX XXXX Account Number : XXXX Bal : {$840.00} 3. XXXX XXXX  Account Number : XXXX Bal : {$2800.00}
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

i had to close my checking account last week due to XXXX trying to take unauthorized funds from my account. I have to call the Fraud Department every time i need to transfer money from my old account to my new. This morning : I was trying to get money transferred and the first young man sent a message that my debit card was closed. that was not supposed to happen. That was my only access to my account. 
I had to call back, wait another 20 minutes. The next young man reassured me that my card was still good and transferred me to the Fraud Division. There i got a message that the Fraud Division is only open Monday thru Friday XXXX.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IL)

XXXX XXXX XXXX sent a letter upholding a dispute claim for XXXX XXXX against XXXX for {$750.00} on XX/XX/22. XXXX, through and by its debt collection agent Radius, has subsequently sought to obtain the {$750.00}, in bad-faith, despite being notified of XXXX 's decision ( see attached PDF letter ) in writing and via telephone communications. XXXX and Radius therefore are violating U.S. federal law in attempting to collect on a non-existent debt. Please be aware that XXXX and Radius both have been reported to the Consumer Financial Protection Bureau ( # XXXX ). XXXX  and Radius, thus, are on notice that any additional contact with XXXX XXXX about non-existent debts will constitute new claims under U.S. federal law. This email is an attempt to avoid new legal violations, such as the unlawful demand by XXXX/Radius via text today ( see the attached pic ).
Consumer complaint received 2022-06-30
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. (TX)

On XX/XX/2022, I sent a handwritten letter to Equifax for a dispute of 4 collections that were on my account. In that request I asked them to fully verify the disputed items within 30 days and send me an updated copy of my credit report once the investigation is finished. They only sent me and updated copy of my credit report and said that the accounts were verified with no actual proof of it. On XX/XX/2022, I sent in another letter to Equifax a for a dispute of the 4 collections that were on my account. In that request I asked if they can provide the original contracts for the items that I previously disputed for, fully verify the items, and to please deleted the account that they can't provide the original contracts for. I haven't received an update or anything about the investigation from Equifax. XXXX sent me an updated stating that they deleted an account with an updated credit report but they didn't provide me with the contracts that " verified ''.
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : CREDIT COLLECTION SERVIC # XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  Account # XXXX Amount : {$24000.00} XXXX  Account # XXXX : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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 — Problem with personal statement of dispute
Company: CL Holdings LLC (NY)

On XX/XX/22. I sent a letter to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Their respond was investigation complete report by furnisher data. Still on my credit report. 

On XX/XX/22. I sent a credited letter again to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Sold to Jefferson Capital Systems , LLC. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. 

Yet again. On XX/XX/22 I sent another credited letter to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Sold to Jefferson Capital Systems , LLC. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. 

In the past two months. I've add to receive any documents bearing my signatures, that state I own this debt and nothing was send only " investigation complete report by furnisher data ''. Still no documents of any kind with my signature proving I own the charge of debt was even sent. I want so help in the matter. Thank you in advance. Namstes and have a peaceful day.
Consumer complaint received 2022-04-08
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.
Consumer complaint received 2021-06-09
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. (TX)

On XX/XX/2021, I 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

On XX/XX/XXXX a check was deposited into my account for the amount of XXXX dollars. I called the bank to inform them of the fraudulent activity. I also informed them that my debit card was recently stolen. The bank explained that the check was deposited in another state via atm. They also stated they have surveillance with the image of the individual who committed the crime. I informed the bank that in 8 years Ive never deposited a check via atm not do I have any ties to anyone in Texas which is the state the crime was committed. Despite frequent calls and clear evidence that the check is fraudulent the bank has decided to hold me accountable for the fraudulent check. That is extremely alarming considering the evidence they have in direct opposition of their decision. Please beware of USAA
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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. 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 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 old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-30
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. (GA)

XXXX, Experian, and XXXX are in violation of the FCRA. They are reporting inaccurately on my Consumer reports account number : XXXXThe date opened is inconsistent. XXXX has- XX/XX/2022 Experian has XX/XX/2022, XXXX has - XX/XX/2022 as well as the date of last active ; XXXX has XX/XX/2022, Experian has XX/XX/2022, and XXXX XX/XX/2022. Remove this account from my report for inaccurate reporting.
Consumer complaint received 2022-07-30
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. (CA)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2020-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

XXXX XXXX Original creditor passed a fraudulent debt on to MERCHANTS CREDIT GUIDE who has been harassing me non stop. I have no documentation of this debt on my XXXX XXXX XXXX coverage. I am ready to take this to an attorney. I want Proof of this debt
Consumer complaint received 2022-07-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

This is to get resolved on transferring my available funds in my savings acct. at Goldmans Sacks Bank USA, website by marcus.com. I have my this savings acct. for more than 10 years. 

For last 3~4 weeks, I tried to do online transfer of my available money at my sav. acct in Goldmans Sacks Bank USA, website by marcus.com, to other financial institutes with better saving rate or investment options due to ongoing higher inflation. 

I was able to log in my acct. at marcus.com each time, but keep getting the error mesg. 'website has technical problem, come back later ', my online transfer can't go through. 
I called their customer support at XXXX yesterday to resolve the freeze of my acct. The 1st representative verified my identity by verifying my secret pass code, I asked the representative to un-freeze my acct and let me transfer my available money in this acct. She refused and instead transfer me to another representative. The 2nd representative spent ~ one hour on the phone, making excuse of verifying my identity., asking me my family infor., instead asking me the standard security questions, as all other banks do, my current address, places I had lived, etc. At the end, the 2nd representative refused to un-freeze my acct. And told me I need to send additional proof to them. 

This is the worst nightmare as a bank customer I ever have. I have this acct for more than 10 years and it worked ok until~ 4 weeks ago to transfer in and out my available money in my acct. Also, other smaller banks online offering better saving rate usually help me over the phone to transfer my money in a few minutes. 

Also, I received Transfer Failure Notice from my other local bank, XXXX, here, shown below : ' On XX/XX/2022, you initiated deposit verification for your account : Goldman Sachs Bank USA, XXXX, Savings # # # # # # # # '