davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Cheadle Law Firm (TN)

i am being sued on an account for XXXX XXXX by XXXX XXXX. I lost my job. i contacted the attorneys office in XXXX after mailing my separation notice to see what my next steps were. Spoke to XXXX who advised me i was ahead on my pay schedule from making an extra payment in XXXX. advised her i would touch base in XXXX. a lien was placed on my bank account days later. the attorney has garnished ALL of my unemployment benefits which are not enough to pay my rent. I would have come up with the payment had i known they were going to take everything. i called and asked if not being able to make a payment meant that my unemployment would be garnished. i was advised they usually send garnishment to employer, but i did not have an employer. was told when i called in XXXX to touch base and make a payment when i could. i was mislead. i tried to call the attorney to discuss. was upset as i have no grocery money now and am a single parent with no support. XXXX hung up on me and XXXX  placed me on hold to review my payment history. she never came back to the phone. i stayed on hold until the sytem hung up on me. i have called back and they are ignoring my calls. i have left messages that are also being ignored. i have to work this out with them but they are not talking to me
Consumer complaint received 2019-10-03
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. (VA)

On or about XX/XX/2019. I submitted notification to all XXXX credit reporting agencies that there was errors filed in my bankruptcy report. I did not receive a reponse back from neither of the agencies without investigation and they said that they will no longer reinvestigate the matter unless i had more documentation which im also providing to you, the check marks beside the accounts are accounts that were included in my bankruptcy that are not mine. Ive also asked from the agencies to provide me the methods that they used to validate these and to no avail i have received nothing.
Consumer complaint received 2019-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (WV)

I had service with XXXX XXXX. XXXX of XXXX I closed my account with XXXX XXXX returned my devices. I called XXXX of XXXX to make sure the equipment was received and what balances I had left. I was informed that the equipment was received and I had a XXXX balance. I HEARD NOTHING FROM THIS COMPANY OR RECEIVED ANY BILLS AFTER THAT. 

It wasnt until XXXX of XXXX that I received a bill from a collection agency stating that I owed XXXX XXXX almost {$500.00} dollars. I explained to the collection agency I was unaware of any bill owed and wasnt informed by direct tv of any bill. They suggested that I call XXXX XXXX directly. I called XXXX XXXX and nothing was done I explained to them what happened and how I never received any bills from them regarding a balance and was told by the lady that I spoke too that there wasnt anything they could do because it was in collections. They couldnt even tell me if any bills or notices was sent out to me. 
I have lived in the same house with the same address for 5 years so I didnt miss any bills or notices. XXXX XXXX DIDNT EVEN GIVE ME AN ITEMIZED BILL ON WHY I OWE ALMOST {$500.00} DOLLARS.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 2023-03-17
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. (GA)

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. 

XXXX Account XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX, has violated my rights. 
The US Department of Edu XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX 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 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 2019-10-03
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: MoneyLion Inc. (GA)

I have made several attempts with XXXX to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1. XXXX XXXX XXXX XXXX Account # : XXXX 2. Money Lion Account # : XXXX 3.  XXXX XXXX XXXX Account # : XXXX I am a victim of id theft and XXXX   has taken its slow time in removing these fraudulent accounts and XXXX has also violated my rights and broken the law 605B.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

on XX/XX/year> I have contacted the various Credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. I demanded a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. ONce again I would like for them to properly reinvestigate and remove the following : XX/XX/XXXXXXXX / XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Consumer complaint received 2019-10-03
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. (NV)

Hello, My name is XXXX. I noticed on my credit report that there are things that do not belong to me. As I reviewed my credit Report, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as soon as possible. 
Best Regards, *Please see attached FTC reports
Consumer complaint received 2019-10-03
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. (CA)

1. I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (NY)

This bank treats me horrible their customer service doesnt understand what identity theft is I have applied for the XXXX XXXX once and now due to so many applications they refuse to process my valid one and the fraudulent ones delete from their system they want me to wait 40 days to reapply their crazy
Consumer complaint received 2024-10-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

My credit limit was {$590.00} when I filed a fraud complaint with them earlier this year... .Now they are saying I owe {$1000.00} as of XXXX XXXXThey have been charging me a late fee of {$40.00} every month and my card was closed months and months ago ... .I thought Congress passed a late fee bill of {$8.00} ... .This is clear cut extortion and fraud on their end... I'm not paying when I didn't charge on the card ... .Please help and report this company to the public
Consumer complaint received 2019-10-03
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: DISCOVER BANK (GA)

I have made several attempts with XXXX to remove these following accounts due to fraud : The following accounts need to deleted and blocked immediately due to fraud : 1.  XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3. DISCOVER FINANCIAL SERVICES Account # : XXXX I am a victim of id theft and XXXX   has taken its slow time in removing these fraudulent accounts and XXXX has also violated my rights and broken the law 605B.
Consumer complaint received 2019-10-03
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. (WI)

Hi My name is XXXX XXXX and I was a victim of identity theft. When i checked my credit monitoring site for the first time i noticed fradulent student loan accounts on my credit report for over 8 thousand dollars ... From 2014 to present. I also notice a fradulent XXXX account from XXXX  for over 900 dollars. And a fradulent XXXX  XXXX XXXX   account for XXXX dollars.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Victim of identity theft U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-22
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. (CA)

I am filing this complaint to EXPERIAN there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. 
I have also attached my FTC report with the report number XXXX
Consumer complaint received 2019-10-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (MD)

On XX/XX/XXXX, my vehicle was repossessed by my finance company Santander Consumer USA. They stated that to reinstate the loan and be able to retrieve my vehicle I had to pay {$430.00}. After two weeks, I began to make attempts to payments. One such payment was made via my bill-pay with my bank, XXXX. I was subsequently told that that payment would be " bounced back '' as an account in this status, the only acceptable payments were via a debit card, XXXX or XXXX XXXX. I then scrambled to pay an additional {$1000.00} to replace the {$1000.00} that Santander stated did not count towards the {$4300.00}. I was able to pay the {$1000.00} and when I did so on XX/XX/XXXX, I was told that I had to put a stop payment on the {$1000.00} via my bank. I attempted to do so via XXXX and the payment stated that it was " pending '' however, Santander Consumer USA retained the {$1000.00} in spite of this and therefore retained {$5300.00} before releasing my vehicle. I requested that they return the {$1000.00} as this created a hardship and I would not be able to pay my mortgage as a result of this misinformation. On XX/XX/XXXX, I was to make the XXXX payment on my account and I have not yet heard from Santander as to the status of my request as of XXXX.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NV)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX and XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them, that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : MACYS/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}
Consumer complaint received 2019-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2019 I made a transaction via Paypal to a merchant in the amount of {$2000.00}. My husband did not recognize the transaction therefore he report it fraud to XXXX credit card services. Once my husband knew the transaction was mine he called XXXX credit card services to let them know to cancel the fraud dispute. XXXX then returned the money to the merchant on XX/XX/2019. The merchant never received the money and Paypal claims they do not see the money that was returned to the merchant. I have even provided documents from XXXX to Paypal. Paypal refuses to credit the merchant whose account has been in the negative because of this issue and XXXX is refusing to refund ththe money to our card. Our XXXX has disappeared into thin air and we are paying intrest and fees on it to XXXX. The merchant 's account has now been sent to an outside collection agency and merchant is now requesting the money from my husband and I to resolve the amount owed.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MA)

I applied for the Discover Card to take advantage of a 15 month, 0 % balance transfer and low interest rate for purchases. My application was accepted. I was able to transfer balances from 3 other credit cards from 3 different companies. I started using the Discover card for purchases but started getting denied for transactions. Their fraud protection company reached out to me to inform me that I had to prove who I am, despite my personal bank account being associated to the card and automatic, monthly payments being made. I was told that I had to fill out a form that was sent to my personal email, fill it out and have it notarized. I had it notarized at the bank that was associate with the account and payments. I was informed that they called twice and the notary wasn't available so the form would not be accepted. They provided an option to use a proprietary application of theirs, were I could take photos of my drivers license. I used this several times and although the photos were clear, they would not accept them and told me I only had 2 attempts to use this method. They offered me the option to get the form notarized again, but I was traveling for business and could not get this completed withing the 4 days they required. I was then informed that my account would be closed. I argued the fact that they accepted my application, my bank accounts and other credit card accounts were tied to the account and that I used their methods to prove who I am and those were rejected by them.
Consumer complaint received 2018-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

In XXXX Greentree LLC was whom I made my payments too. The hid checks and charged me late fees. I had been trying to do a loan modification.., It took me two years and 8 applications. I finally got a mediator to assist me so they would stop with this deceit. When the banks received the money from the government XXXX XXXX XXXX hid me so deep that I had no IDEA they had my mortgage. In XXXX I became XXXX XXXX. And was XXXX at XXXX Hospital . They called me to collect XXXX XXXX I was short on my mortgage payment. They constantly harassed me. My point is I received a call that there was a lawsuit against them. It was to late when I reported them. The gentleman told me to file a complaint. I now sit with a {$62000.00} deferred balance that should of been forgiven. Being the dishonest company that they were. I challenged it and they told me. It was like driving a car off the lot.. It depreciated when you drive it off the lot. 
I have been sick with XXXX XXXX for 7 years now. And I have finally had remission. I am back on my feet and trying to resolve these issues. 
XXXX XXXX holds my mortgage and Ditech took over XXXX XXXX. That's to whom I make my payments too. 
I am not sure what to do. I know this whole mess is the deceit of a company and their employees who made profit off there collections. 
Thank you and please help me.
Consumer complaint received 2018-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I saw this company on my credit report Commonwealth financial they have two accounts with the same amount of debt in my report they are saying it's my debt but I was not at any hospital 2012 they keep doubling my credit reports never got any information from them regarding any debt owed
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

My work sent me a payment on XX/XX/2018 however the payment has not been deposited into my account yet. The funds are showing as withdrawn on their end and I have provided all of this information to my bank. My work used the same information to send the payment as they have for the last two years, however suddenly Ally " can't find it '' and refuse to do anything to look into the situation despite being provided the proof showing that they took the withdrawal from my work 's bank.