davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
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: GOLDMAN SACHS BANK USA (CO)

XX/XX/2019 1st I was notified by Marcus by Goldman Sachs Personal Loans that in these exact words : " XXXX, please read, weve enclosed details on how to reapply! Your Loan Options are Waiting. 
It won't hurt your credit to see your loan options. '' So i followed the instructions, I was denied a small XXXX XXXX dollar loan. The very next notification i saw was from my Credit Alerts : Heads up : You have new alerts on XXXX. 

How am i supposed to get hard inquiries off my report if they keep trapping me into getting them like this? I was set up
Consumer complaint received 2019-12-27
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2017-05-31
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (TX)

In 2016 in XXXX I found that due to circumstances beyond my control that I would be unable to pay the county taxes. Being in a Reverse Mortgage situation, I knew that this was part of the contract and before it became critical I called Reverse Mortgage Solutions ( RMS ) to get advice. While on the phone I was told no problem that they would pay the remainder of my taxes that week. For me this was a big relief since I knew that I was going to be on a long road with the medical issues I was/am still having. <P/>The taxes were not paid until the end ofXX/XX/XXXX of XXXX. The next thing I know I am put on notice that I must pay back the borrowed money or I could lose my home. <P/>I went through a legal aide at a local University. Thanks to two other resources they paid RMS back. <P/>My complaint is this RMS never would put you through to a supervisor and the communication was difficult. Every person you spoke with gave a slight difference in what was going on with my case. <P/>When RMS paid the taxes part of that money was from the last draw I had. They are now charging me an interest fee and administrative fees. <P/>My financial counselor tried talking to a person on the phone and got nowhere and then asked for a supervisor to call and to date no response. <P/>RMS through this whole process has been difficult to work with. Some examples telling us to talk to a certain person and that person never materializes. Sending back checks that were to pay them for they had to come in on the same day. Miscommunication on verbal and written statements, such as you have a draw you do not have a draw and my signature does not match. <P/>I would appreciate you looking into this matter so I can get closure. I will be enclosing the last statement and the one that shows I had a draw. <P/>I am going to be in a very difficult situation come XXXX and the taxes for I am going back in the hospital and do not know what to do as far as my RM. <P/>RMS charged fees in the amount of {$790.00} for inspections and appraisal that will need to be paid eventually. They are telling me they had no choice due to HUD regulations but to move quickly on the inspection and appraisal once they paid my taxes. However, they never communicated clearly that by paying my taxes my loan would go into default. I never would have asked them to pay the taxes if I knew this would happen. I do not feel I should have to pay these fees. <P/>Additionally, I now have a negative " Net Principal Limit '' which they can not clearly define what this means for me and I would like clarity around this.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX
Consumer complaint received 2024-10-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

I tried to pay 2 credit card bills in XXXX and Marcus blocked the transfers causing the credit card companies to charge me a fee for returned payments. My account was frozen for no apparent reason nor was I notified or contacted by the bank. As a result, I called the bank customer support phone number and no one was able to tell me what the issue was or when I would be able to use my account again. As a long-time customer this is completely unacceptable.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX ( The original creditor was XXXXXXXX XXXX XXXX ) This is fraudulent. I'm not sure who opened this account. This wasn't me and XXXX XXXX XXXX keeps putting this on my credit reports. THIS IS FRAUDULENT ... .Someone used my information to open an account. My purse was stolen doing this time with my social security and ID. 

I have asked Transunion to remove this item.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : TN CHILD SUPPORT Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my Experian account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

Account Name : TN CHILD SUPPORT Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

I would like to formally dispute the hard inquiries listed on my credit report, as I believe they are fraudulent. Please investigate these entries and take the necessary steps to remove them 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 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 EXPERIAN 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 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 XXXXXX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Consumer complaint received 2020-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

A credit card reporting on my account as late, and open from capital XXXX account # XXXX, For XXXX  experience and XXXX dates XX/XX/year> to XX/XX/year>. I dont have a XXXX XXXX XXXX, this is fraudulent. I filed a complaint with the FTC three weeks ago on the XXXX XXXX. This has been a major hindrance on my life. As theyre in violation Per 15 USC , 1681, accuracy and fairness. ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the reports. This violate 15 USC 1681S 2, 15 US code 1692E, 15 U.S. Code 1666b
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-01
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. (IL)

I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I am filing this complaint to address an issue with late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response or satisfactory validation. I kindly seek your assistance in resolving this issue promptly and effectively.
Consumer complaint received 2019-11-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Apothaker & Associates, PC (NJ)

I sent a medical dispute to the collection agency only to receive a pamphlet basically of copies of statements and bill of sale. No copy of license to collect in my state, no hippa form with signature, no copy of identification or social. Now this is in violation of hippa laws and they are trying to skate by. I know my rights. You have not proven the account is mine and being a lawyer is involved they should know better. I do not owe {$730.00}.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC (NY)

XXXX  XXXX XXXX  XXXX & XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all  information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. I logged a complain with the CFPB after gotten no response now on XX/XX/XXXX XXXX  XXXX  response is that Rubin & Rothman LLC obtain a judgment against me. Who was served? Not me! 
IF THE ACCOUNT IS NOT DELETED/ Garnishment, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2017-05-31
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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (VA)

I had a {$4500.00} lim it on a Barclay 's Bank credit card and they capriciously lowered my limit {$500.00} with no notification. I was in the middle o f an important payment on  XXXX , which  was denied, throwing my accounting into chaos. They lowered my limit, then apparently used that reported event to lower my credit score, to justify lowering my credit limit in the first place. When I complained to Barclays, I was told that they can lower the credit card limit and do not have to notify me first.
Consumer complaint received 2017-05-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

here is an additional to my other case  XXXX . I received this letter yesterday from bank of America. They are doing exactly what they did to me the previous time so they wont give me the modification. Bank of America are a bunch of lairs and I am so sick of they saying I did n't follow up with their paper work. I submitted everything they requested  within 24hrs and I have the faxed confirmation to prove it.
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

In  XXXX   2015, I an d m y Father refin ance my car wi th USAA Auto Loan and   included in the that refinancing an insurance of debt protection insurance what would cover both of us if either of us had  disability a nd/or death that the car would be paid in full. My father unfortunately passed and I became  totally    XXXX  . I sent in all documents to  USAA, death certificate as well as authorized them assess to my medical records. USAA, in  turn, cancelled the policy and back dated payment then stated that they notified me of this information which did not occur. According to the policy, the car was to paid off on full with either condition occurring, not a policy cancellation. I asked for help with situation to  get USAA AUTO to  fulfill their part of this contract of paying this loan off. They now contacted others that are not on the loan stating that the vehicle is up for reposssion and has negative reports on my credit which should not when the contact clearly states what should occur. This has been a disservice to my family and I have been a member for years. I was not  even notified by them of the issue I was told by other individual they told that was not on the loan ( poor consumer relations ) .NO ONE, NO ONE CONTACTED ME. I had to contact the company and none of information has changed.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX  XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

BOA charges an initial overdraft fee of {$35.00} & then charges the same fee again & lists as an extended overdraft charge. If you call them to have this fee waived they either refuse or will only do it once every 6 months. I recently connected my BOA to my  XXXX  checking account to be able to make transfers.  XXXX  deposited less then {$1.00} twice & then pull ed one of the deposits back, BOA tho ught it was well within thier right to charge me another {$35.00} fee. They have also charged me {$5.00} fee to replace the debit card they issued to me when the chip no longer worked. How the  XXXX  are you going to charge me for a defective card you issued me?! In order to get them to rectify the issues you have been subjected to you have to  XXXX  near threaten them within an inch of thier life. Consumers do n't deserve this when it 's thier money they earned. I 'm the sole breadwinner in my household & every penny counts & to watch this POS bank take it & then argue with me over fixing the issue is absurd.
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (MO)

Starting in  XXXX  of    2016  i started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. thi s is NOT RIGHT.   <P/> also- this item appears  XXXX  on my credit report.