davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
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. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX 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 2023-07-28
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)

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. RONOLD XXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX XXXX. XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

You have 30 days to validate or deletion is required! 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (KS)

I deposited approximately XXXX into the savings account during the first few weeks of XX/XX/2023. Upon attempting to withdraw XXXX during the last week of XXXX the bank froze my account. I contacted them over the phone. The bank asked me to verify information via USPS which I did. After receiving the documents they said I would have access to my funds within 7-10 business days. They have a very difficult system for taking calls which causes extremely long wait and transfers. I have since contacted them over XXXX times and each time I am given very little information about where my funds are or why my account was frozen. Its almost as if they are purposely wasting time to delay return of funds. After many calls I was told my account would be force closed for fraud although no exact explanation for this was given. And that my funds would be returned to the original funding source again ( for the XXXX time ) within XXXX business days. I asked the representative exactly what day that would be. The representative who claimed to be a Supervisor stated that would be XX/XX/XXXX XXXX I called the bank on XX/XX/2023 and after many transfers and holds I was asked to allow another XXXX business days to let them research my account. On XX/XX/2023 I called again and was told my funds had gone to Unclaimed Property and the account would need to be reopened in order for my funds to be returned and this would take another XXXX business days. I informed the bank I would report them to the FDIC they took the report number. The FDIC asked me to contact Federal Reserve the XXXX asked me to report to you.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP (OR)

Elan Financial Services is destroying my credit rating- for the past 7 months, I have called 4 times to cancel this credit card. Every time I call- they tell me I can not cancel because they : 1 ) can not take a payment and cancel the card 2 ) can not give me access to the online portal and cancel the account 3 ) give me the cash value of my rewards and cancel the account 4 ) can not give me the cash back rewards as cash. 5 ) can not give me the earned cash back and cancel the card. I have not used the card in 5 months and they continue to charge late fees and report me for late payments even though I continue to ask them to cancel the card. They hang up and send me to the machines. The average call time is over 30 minutes. The people refuse to cancel the card and they refuse to even interact - saying that they don't have access to my account and then put me back through the answering machine. They continue to report delinquent payments on the card and charge me late fees and send me non-payment emails. Always saying that they can not cancel the card - suggesting that I have to wait, and have to be called back ( though never am ). I feel this is a predatory practice and Elan services is not working for their customers.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

XXXX Credit Report has inquires that Im unfamiliar with and recently my identity been used to apply for credit cards. I Will like listed inquiries to be removed from my credit report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX FIFTH THIRD BANK Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-07-28
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. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

XX/XX/2023 Service for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX was completed and a check for {$750.00} was signed by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) was mailed. 
XX/XX/2023 Check from XXXX XXXX XXXXXXXX was deposited into my ( XXXX XXXX ) checking account ending in XXXX ( Check # XXXX ). 
XX/XX/2023 Check is shown to be posted and processed by issuing bank ( XXXX XXXX ) XX/XX/2023 Check was under investigation for alleged fraudulent activity and account was placed on hold. 
XX/XX/2023 Check deemed fraudulent and checking account in the beginning stage of closure without any warning or reason. 
XX/XX/2023 Account still in process of closure and funds previously on account have been held as well as the {$750.00} check deposited. 
XX/XX/2023 Told I was unable to create a claim to retrieve the funds of {$750.00} from check deposited as well as the XXXX XXXXXXXX that was previously in account.
Consumer complaint received 2023-06-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Department of Education sent me a email in XX/XX/2023 stating that my student loans were being discharged due to a borrower defense application. The loan service ( Dept of EDXXXX XXXX ) processed my loan discharge on XX/XX/2023. I contacted XXXX on XX/XX/2023, and they confirmed that the loan was discharged and that they sent letters to all 3 credit agencies ( XXXX, XXXX and TransUnion ) on XX/XX/2023 informing them of this discharge, so that they could remove it from my credit report. All three agencies failed to do so. After confirming that the loan was definitely discharged by XXXX on XX/XX/2023, I contacted all three agencies and disputed the debt online and provided them with the email letter from the department of education that stated the loan was discharged. All three agencies have responded back in a mater of days stating that they " investigated '' the matter and that the debt was " accurate '', when in fact, it is not and needs to be deleted from my credit report.
Consumer complaint received 2021-07-07
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. (TX)

EQUIFAX PROVIDED MY CONSUMER REPORT TO THE BELOW LISTED ENTITIES WITH MY CONSENT. 

1. XXXX XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX XXXX XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX Inquired on XX/XX/XXXX 6. XXXX  - XXXX XXXX Inquired on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE SENT EQUIFAX A LETTER REQUEST THE REMOVAL OF THESE INQUIRES AS THEY DID SO WITHOUT MY CONSENT. Pursuant to 15 USC 1681b ( 2 )
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

I have an inactive Macy 's Amex credit card. My monthly payment has quadrupled to a tune of over {$2000.00} per month. I was manageable when my bill was {$250.00}, but then it went up and I tried to call them and ask for assistance, but they have refused and stated that I must close my account before they can help. This will hurt my credit. I have tried to make payments as much as I could but I can not catch up to making a {$2000.00} plus payment monthly and they refuse to help me.
Consumer complaint received 2021-09-07
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-08-20
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: Exeter Finance, LLC. (TX)

My credit report shows a hard inquiry from Exeter XXXX on XX/XX/2020 that I do not recognize. I would like this removed from my credit report. 

Thank you.
Consumer complaint received 2020-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I have been attempting to sell m home via a short sale since XXXX of 2019. My lender Mr. Cooper has not cooperated with me throughout this entire process. My realtor has been assigned several negotiators and each time the short sale process had to start over. The last negotiator that was assigned had been giving my realtor false information via XXXX. One example being that my property had to go through a short sale valuation program via XXXX. She told my realtor several times that she was waiting for a date for the property to go through the program when the whole time the property was denied for the program. Secondly my property has had at least 8 valuations done, both appraisals and BPO 's, all consistently coming in around the same value. Several different offers were submitted for full price of the value. They were denied because either the negotiator/lender allowed the values to expire or excessive fees as the lender stated. My realtor worked to get the fees removed or reduced as Mr. Cooper asked and resubmitted the offer. The negotiator has allowed the offer to sit on her desk for over 30 days stating the internal system wont update and that she cant do anything until Mr. Cooper fixes the system. Now I have a sale date and the lender wont stop the sale date to review and approve the latest offer. To me it feel as though Mr. Cooper is trying to force me into foreclosure instead of helping me as they state they will. The negotiator XXXX XXXX is pretty much very non responsive and doesn't really seem to care about my situation as well as the rest of Mr. Cooper 's staff. I have done everything that has been asked of me. I have called Mr. Cooper several times to try and assist my realtor to help move the process along with selling my property but haven't gotten anywhere. To me it doesn't make any sense that I have a BPO done on my property on XX/XX/XXXX and on XX/XX/XXXX, the internal system for Mr. Cooper is not updated to show that value and therefore the negotiator chooses not to do anything with my file other than says she has to wait until the system is updated and the valuation is updated. That's 30 days that has been lost and the amount of time we have been waiting on an answer in reference to the offer that was submitred with the fees waived or lessened as Mr. Cooper asked. Its also mind boggling to me that all the offers that were denied, were denied pretty much immediately but this one has been delayed or ignored after all instructions were followed after being told what was need by Mr Cooper. Mr. Cooper and the negotiator XXXX XXXX needs to be held accountable for this. I am losing my home to foreclosure and they aren't willing to help only willing to push me further into foreclosure. Please help me
Consumer complaint received 2020-09-15
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: EQUIFAX, INC. (KS)

The company in question ( XXXX XXXX ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (IA)

I XXXX XXXX entered into a consumer credit transaction with Discover Bank on XX/XX/2014. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. Discover Bank then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Consumer complaint received 2020-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

After using my paypal account for over 10 years, recently with no notice, my account has been locked and prevents me from having a check issued from my over {$1100.00} balance. Paypals claim is that I need to provide them with my bank account number or verify my credit card. I have verified it with their customer support instructions but they claim it is still unverified. My account is the same for the last 10 years, same credit card, same email, same home address. I have even had 2 checks issued to me for {$2000.00} in the past 2 months. Now all of a sudden they claim I am not verified and they want more bank and credit card information from me to be at risk on their site. 
On XX/XX/2009  my paypal was hacked into by a foreign entity and stole {$590.00} from my account and credit card. I had to get the federal government and my credit card company involved to have them repay the stolen funds. They still have no idea who or how their system was hacked. Even then they wanted me to provide my bank account number. I refused stating my personal and banking info would be at risk. 
Now again they want me to provide my personal bank account info and put my banking and identity at risk. There is no reason for this, they already have my info and have my credit card on file. Instead of paypal putting their honest customers identity and bank info at risk, they should be increasing their own security to protect their customers. 
They picked this time of national crisis to hold customer funds XXXX when it is needed most! 
I want access to my paypal funds with my credit card on file, without putting more banking and personal info at risk.
Consumer complaint received 2023-07-29
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)

I XXXX XXXX sent in a credit dispute letter in regard to a Bankruptcy - dismissed that is appearing on my credit report. I have tried multiple times to dispute this matter with the credit bureaus but nothing further happens. The Credit Reporting company have listed the data furnisher being " United States Bankruptcy Court XXXX XXXX XXXX Georgia ''.- Which is false. On XX/XX/XXXX I sent in a letter asking for clarification from the court in which i was sent back a letter that I have attached from the Stated Bankruptcy Court verifying and stating that they do not verify or furnish any credit reporting information to the credit bureaus. The credit reporting is falsely reporting this information on my credit report and yet to remove this information.