davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NC)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVER BANK XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NV)

XX/XX/2024 I received a letter from bank. Bank used part of name in signature of XXXX to forge a letter to customer citing an invalid credit file from staff improper use of credit report. I'm from XXXX so company used part of the beuitiful american shape of signature to perceive XXXX translated letter from artificial intelligence of a XXXX writer that has a XXXX XXXX XXXX that's is not of star spangled banner with forbidden accents in reading name left from right is improperly using customer name of consumer report without full spelling to produce XXXX XXXX without a clear XXXX XXXX XXXX XXXX ; than they keep applying unauthorized accents to name ( customers inner voice ) indicated with abbreviation applied for service of open credit account. Bank is stealing customers arms of the republic to portray a member of the workforce and deny customer account services from applying accents to customer name out of signature of XXXX designate XXXX by social security number. Bank staff did not use correct association XXXX XXXX XXXX in wiring due from artificial intelligence translator unable to recognize birth-given name and company provided response from translator without considering customer 's open credit account of grandfather XXXX. I gave company website social security number and staff is not a competent XXXX person from XXXX and is a XXXX XXXX XXXX acting in hate to clear XXXX XXXX XXXX XXXX XXXX  for their XXXX XXXX XXXX  society Using citizens own arms against citizen than acting as if my inner voice doesnt have a given name.The XXXX XXXX people of XXXX keep denying grandfather XXXX account of US. They keep trying to rename my inner voice that's indivisible of the US flag from grandfather XXXX XXXX  that's called open credit account. I have not received account services since providing social security number to web page that Is just a piece of paper of all of my stuff. In the united states a name is a man 's innervoice. You don't know me. I am from the dark ages. I keep getting challenged by XXXX accents of XXXX that's not registered with XXXXXXXX XXXX XXXXXXXXXXXX XXXX . I have a rich and powerful name of grandfather XXXX & staff refuses to use credit report properly.
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc. (GA)

I created a credit app. I noticed fraudulent hard inquiries on my credit report that I did not make or authorize on XX/XX/year>. I was not working and in XXXX XXXX XXXX at the time and could not even afford a vehicle.
Consumer complaint received 2024-06-24
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. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (LA)

My account with CB/VICSCRT was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. CB/VICSCRT Never Sent the periodic statement along with the disclosures from s
ection 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

My mortgage is with Rushmore Loan Management Services. I fell behind during Covid due to loss of hours for several months at work. I work in XXXX XXXX and was considered an essential worker, so I did not get to be furloughed with pay. I have been working with Rushmore, and was given a Forbearance for a few months to help me save money. At the end of the Forbearance in XXXX, I was behind 10 payments. After 3 months of processing and correcting an error on their end, I was approved for a NY Term Agreement, where they put 6 payment on the back end of my mortgage. This left me with 4 payments I owe, totaling {$5400.00}. I have been trying to work on a loan modification for that amount, but the options they gave me are unaffordable. They wanted me to pay {$1100.00} for 3 months, and then they will raise my rate from 3.75 % to 7.875 %. I can not afford {$1100.00} per month. My point of contact person advised me to reject that offer, and say I want to spread the balance out over 12 mos..or put some money down, and spread the remainder out over 12 mos. I have agonized and done the math every which way I can think of, and I can not afford to have my payment go up over 12 months. 
I have worked hard to save money to bring my mortgage current. I have {$5000.00} saved up but this will leave me with no reserve, I am so nervous that if I have no reserve and something breaks in my house, or I become ill and can't work a day or two..then I have no savings to draw from. I spoke with XXXX XXXX for advice, and XXXX strongly advised I do keep a reserve, and pay what I can, and ask to put the remaining on the back end of my mortgage. 
I would like to put {$3000.00} down, and put the remaining {$2400.00} on the back end of my mortgage. I am aware they already put 6 payments on the back end, but this would enable me to bring my loan current and pay my monthly mortgage going forward. I am trying so hard to make this work. I am going to XXXX XXXX in XXXX so I can make more money and better my finances. I am trying. 

I appreciate your help. Thank you
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Do you believe your company owns the promissory note and have the right to enforce payment from the borrower? 
And does a XXXX note actually have cash value meaning in a regular course of the business day it could be sold for {$250000.00}? 
So how much does the bank have to loan now to legally on the promissory note? 
And to your belief if the borrower signs the promissory note and the bank refuse to give the borrower actual cash value would the bank or the borrower owe the promissory note? 
Do you think the borrower agreed to provide the bank with {$250000.00} actual cash value that was then used for the {$250000.00} bank loan check back to the same borrower and then agreed to pay the bank back plus interest? 
So do the bank legally on the promissory note and legally make the borrower pay back interest and principal payments? 
Is it Bank policy that when a bank received a {$250000.00} loan the bank receives actual cash value and this check is received and returned back to the borrower is this policy? 
Can you show me in our contract that I gave you permission to receive {$250000.00} actual cash value from the borrower in the note to fund the {$250000.00} back which obligations me and return to pay back the bank {$250000.00} plus interest? 
So if the borrower provided the bank with {$250000.00} actual cash value in the note which the bank used to fund the {$250000.00} check and return the check back to the alleged borrower to a bank loan in your opinion did the bank loan the alleged borrower {$250000.00}? 

SO IS THIS AN EXCHANGE ARE SWAPPED FOR? XXXX 18 U.S.C 8 12 U.S.C 1431 15 U.S.C.1601
Consumer complaint received 2024-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (NC)

It started when my job tried to deposit my first 3 pay checks to cash app they wouldnt let them so I switched to another account holder. So reason my husband tried to send me money to post some bills as well as a loan I have with cash app. Mind you he always send me money because hes a XXXX XXXX. So just a few weeks ago he was sending money to me to pay bills And the loan and it kept kicking it back out. So reached out to the support team. They couldnt give me no reason the said its cash app security purpose. Im like we have the same last name we both have Cashapp he send me money for years. Now why at this point is there a problem they gave me no reason so now they are trying to charge Me interest on the loan have with them but do to no fault of me they wouldnt let the money come through to pay it and I told customer support that. So I need that removed from my account thats on them. I tried to do my part and they kicked the money out the system four or five times
Consumer complaint received 2024-07-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (IL)

All accounts of restriction?? XXXX acct. Tried since early XX/XX/2024. Keep on getting run around. Can not verify info?? Teels me phone @ # incoorect., But thuse a different Co to verify. HAVE XXXX ACCTS ALL LOCKED Other accts also locked XXXX locked up No file sent by Marcus Bank
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (IA)

I was in good standing with XXXX XXXX XXXX  at XXXX XXXX XXXX XXXXXXXX XXXX  when i was canceled without notice. I informed them that we were paid to date. this caused them to violate UCC1-304 good faith law. i informed them in turn relieved me of my side of the contract also. I offered to resume our agreement if they reinstated my card and account. they ignore my offer UCC1-304 ( 2 ).

after several months I guess. my account was sold to XXXX ( resurgent ) for collection I got a lot of calls from them ID themselves as XXXX only and asked me for personal info without telling what the call was for. I thought they where a short term loan co. I told them they would get no ID conformation Info from me until they told me who they were and what this was about. they wouldn't and were rather rude I would hanged up. Resurgent finally ID them self in a letter I called and made them the offer for reinstated the card. the next thing after I made arrangements for repayment Resurgent posted dept collection with the credit people. their policy is if a arrangement is made they would NOT post a collection file. Again UCC 1-304 violation.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENOVA INTERNATIONAL, INC. (OH)

I called on XX/XX/XXXX to report that my identity had been used to open or apply for an account with NetCredit. I had a hard pull on my credit for this company that I did not request. I called XXXX. They said they could see that I had an open account using my maiden name and they would send me an email including what I would need to have this issue resolved. I sent them a signed letter with my information request for removal. A FTC report and a police report where I had contacted my local police on the matter. Then on XX/XX/XXXX I received an email stating that my application had been denied. It had my maiden name but included my current address and other current information. Again I still have not applied for anything from this company. I believe that they used the information on the letter that I sent over to run an application for services that I did not request.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

YOU ARE VIOLATING MY FCRA & FDCPA XXXXONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (CA)

THE ACCOUNT AND ADDRESS HAS BEEN ON MY CREDIT REPORT FOR A LONG TIME. I HAVE TRIED MANY TIMES TO DISPUTE THIS INFORMATION DUE TO IDENTITY THEFT. I HAVE TRIED DISPUTING WITH THE CREDITOR AND THE CREDIT REPORTING AGENCY EXPERIAN, BUT I DONT SEEM TO GET ANYWHERE. I AM AN ELDERY AND RECIEVE SSI, I NEVER HAD THIS CREDIT ACCOUNT, SOMEONE USED MY PERSONAL INFORMATION TO APPLY FOR THE CREDIT CARD AND TO USE AND MAKE PAYMENTS ON IT AND LEFT IT AS A NEGETIVE ON MY RECORD. I NEED THIS ACCOUNT AND UNKNOWN ADDRESS OFF MY RECORD ASAP. 

DISPUTE : REMOVE ACCOUNT : XXXX ACCOUNT XXXX XX/XX/2019 DISPUTE : ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Consumer complaint received 2024-06-27
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-27
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. (NY)

XXXX XXXX XXXX XXXX XXXX, I am aware that the statute of limitations for this debt has expired and that you may not be licensed and bonded to collect debts in New York. Your continued collection attempts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and New York state law. I request that you cease all collection activities and provide written confirmation of the same.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC. (TX)

On XX/XX/year> I got a deposit in my SOFI account for {$1400.00} SOFI then restricted my account based on some transaction history.

It was deemed by their internal review team that my account would be closed and the remaining balance would then be mailed to me of {$1400.00} It has been almost 60 days since that happened. since then I call and receive no information on the timeline in which my account will be closed.

I have asked them to allow me to provided any information they may need, they then reject that and tell me there is no way to contact the review team. 

They will no tell me any information and it for all intent and purposes feels like they are stealing my money. They refuse to give me any kind of timeline. I have called them XXXX or more times. over the last 60 days. with absolutely no head way.
Consumer complaint received 2024-07-01
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. (TX)

this was not sent in error, i am a consumer by law and my information is being misused and now i have some false accounts on my credit report that are not 100 % accurate.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX Account Name_XXXX XXXX_______________ Date XXXX Account Number XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account XXXX XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX