davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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: GOLDMAN SACHS BANK USA (NC)

I applied for an Apple card thru Goldman Sachs. they approved and sent out a card. I could not get the card activated so I called to activate ( XX/XX/XXXX ) They could not activate card after 2 months back and forth calls. They told me to reapply which I did ( XX/XX/XXXX ) the second card was activated and I have been using it since XX/XX/XXXX. I recently checked my credit report and found Goldman Sachs had reported the first card which was never activated, used, or had a balance of any kind as a charge off on my credit report. I immediately called Goldman Sachs ( XX/XX/XXXX ) and after multiple calls they told me I had tried to open a card with them with my fathers apple ID. this was not true and they had given me a second card with the same information in XX/XX/XXXX. I believe someone at Goldman Sachs reported the first card as a charge off and now they can not figure out how to take it off my credit report. who knows how much damage has been done to my credit with a charge off there for almost one year.
Consumer complaint received 2018-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

Good Morning, I am writing you today as an aggrieved man. I filed an unauthorized charge claim with PNC Bank two weeks ago. I still nit have yet received my money back. I was told it would take 1 business day and I still have not received anything back. There were unauthorized charges that I knew nothing about nor consented to. I demand that my money stolen without permission be returned to my account asap!
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. I can still see those items that affects my accounts. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the account completely from my Credit Reports : XXXX {$0.00}
Consumer complaint received 2021-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-11-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WI)

I received a letter from XXXX telling me that the payments should be sent to them starting XX/XX/XXXX and that my new servicer XXXX XXXX starts XX/XX/XXXX - I sent the payment to XXXX on XX/XX/XXXX. I got the payment back from XXXX telling me that I should have sent it to XXXX. I then sent it to XXXX and they sent it back saying they don't know the servicer and changed the name from Flagstar bank to XXXX and that the account is unknown. I didn't send the payment for XXXX until they tell me where I'm supposed to be sending it.
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (DC)

Over the past month, BB & T and Sun Trust Banks have merged to form Truist. Truist bought or obtained XX/XX/XXXX of conventional mortgages in the process. Truist then forced everyone to switch to their online platform and app in order to make payments for all mortgages, because they have no brick and mortar stores ( only online ). The Truist App and the online Truist platform do not accept online payments because the designs are flawed. I have tried to submit payments online and via the app every day since XX/XX/XXXX and the website and app just crash. The only way to submit payment is to call and wait hours on hold before you can talk to a person and submit payment. On the phone call, the tech support state that they know about the issues, that they receive calls all day about the app and website not working, and yet they have no resolution. Truist should not be allowed to buy and service loans if they are unable to provide a platform to help customers pay, track payments, and get the help they need. They certainly should not be allowed to charge anyone a late payment penalty or report missed payments to the credit bureaus if they don't have a way to make payments. Truist should be shut down immediately.
Consumer complaint received 2021-11-19
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: Santander Consumer USA Holdings Inc. (TX)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

this amount was supposed to be final payment to XXXX for TV and internet. It is really nothing to do with the final bill. I paid my final bill with XXXX. I had a problem with my receiver and called the technician for help. Talked to a supervisor about the problem. I was told by her the receiver was supposed to work like that. I told her it never worked that way before but the problem just started a few weeks ago. She told me there was nothing to be done about this issue. I then canceled my subscription with XXXX and went to XXXX. They then told me I should have given them a chance to resolve the issue. I did give them a chance and they wouldn't help. So this {$71.00} dollar + change was for early termination. I don't owe an early termination penalty, because they refused to help.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX XXXX and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to XXXX XXXX XXXX XXXX. Since this account was paid in full in XXXX XXXX, it is MORE THAN 7 years old and the good credit should remain however, on each and every credit report it is duplicated and now in triplicate with XXXX XXXX showing up as well as XXXX. 

I do n't understand why number one an account that is paid in full was sold to an outside collection agency and two why can both XXXX and XXXX funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XXXX XXXX. 

In addition I have a good credit account with XXXX XXXX that was opened in XX/XX/XXXX with a high balance per month due to my work travel in the amount of $ XXXX.I have had to request that this good credit line be put back on my bureau reports in excess of 3 times. I have documentation to this fact if necessary. 

Of course this affects the FICO score because the age of credit is a part of the algorithm. It is a mystery to me how good credit can just fall off but inaccurate credit can be reported XXXX different ways. 

I sincerely appreciate your help in this matter as I can not get resolution from the creditors, the bureaus XXXX, Equifax or XXXX.
Consumer complaint received 2024-02-17
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. (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. 


Account Name : XXXX XXXX XXXX  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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-17
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. (CT)

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXX ( Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$570.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance : {$2100.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IN)

My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

According to a settlement agreement between myself and XXXX XXXX XXXX dated XX/XX/2022 for a Lawsuit for identity theft I filed against the Respondent they agreed to the following terms. 
Special Consideration. Within XXXX ( XXXX ) days of execution of this Settlement Agreement, Respondent further agrees to submit requests to the major credit reporting agencies ( CRAs ) to which it furnished information about Claimants Account, requesting by XXXX XXXX XXXX form ( XXXX ) that the CRAs report the account as paid in full for less than the full balance. To the extent that on the Effective Date of the Agreement Respondent has already submitted a request to the CRAs to remove the tradeline in a manner consistent with this Settlement Agreement As you can clearly see in the agreement the respondent stated that they put in a request to all the CRAs to REMOVE the tradeline in a manner consistent with the settlement agreement. And it should state paid for less then full amount. However this has never happened in breach of our contract. As you can see in the attached credit report from Experian Moreover there is no provision in our settlement agreement that allows the respondent to report late payments. Which they are currently doing today. Its obvious the respondent has a problems reading their own contracts with comprehension and even a greater issue of following the contract. Also let me please remind the respondent that the settlement was reached because they defaulted for identity theft lawsuit and threatening to report fraudulent information to XXXX and XXXX when the person knows or should know it is fraudulent is violation of federal law and my consumer protection rights. Not to mention a breach of contract. I have attached again copies of my police report, FTC, identity, the settlement agreement and the respondents last reply. It is clear that XXXX XXXX XXXX has no problem violations 15 usc 1 Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.. My next steps will be to file complaints with the OCC, SEC and XXXX respectively. I look forward to settling this breach of contract in federal court. And would like to thank the respondent for helping me collect my preponderance of evidence.
Consumer complaint received 2021-11-19
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: Avant Holding Company, Inc. (TX)

In XXXX XXXX I found out an account with avant credit card was open up in my information, {$300.00}, yet only {$50.00} used, showing as of XXXX XXXX up to {$110.00}, contacted company to report an fraudulent account, all the document was sent and I received an email XXXX XXXX that the account will be removed from my credit report. XXXX XXXX I notice it still on my credit but closed, however avant is still reporting to my credit late payments. I sent an email to the address that was giving to me they that taking care of and got no respond from there and still on credit. Id like to get that taking off.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Colony Brands, Inc. (AR)

all colony brands tradelines and cards are in collusion with XXXX XXXX AND FACE A CLASS ACTION LAWSUIT FOR FAILING TO UNSUPPRESS OUR CREDIT FILES AND TO RE-INSERT OR DELTE FILES SINCE XX/XX/2015
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MN)

Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX for my XXXX XXXX earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to XXXX the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.
Consumer complaint received 2019-11-22
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: Ditech Financial LLC (CO)

I am writing to formally dispute a credit reporting from Ditech on my personal credit report. Ditech reported two 30 day lates to the credit Bureau after selling my loan to XXXX XXXX. 
My loan was sold to XXXX XXXX XX/XX/2019, then Ditech reported lates in XXXX and in XXXX. Ditech in no way tried to let me know there was a late payment. After spending 10+ hours on the phone with Ditech to try to resolve this I am writing directly to you. After discussing this with Ditech 's representatives it was found that XX/XX/2019 there was a late payment and a noticed sent then, however they reported this late not until XX/XX/XXXX and again in XX/XX/2019 ( after loan was sold and current ). When I discussed this with their representative she confirmed that Ditech had sent only one letter in XXXX, based on our hours of phone conversations the days of the month in XXXX only XXXX and they report on the XXXX, seem to have played a role in why on my end my account appeared to be current. Ditech admitted to me over the phone on one of these many calls that ultimately resulted in nothing that I had 90 days from them selling my loan to resolve anything before they can report to credit Bureau. However these reports were made the month of selling my loan and 30 days after selling my loan. Not only were my efforts made within this time allowance, they had already reported these lates. The current standing is reported as follows : MTG2 XX/XX/2019 and MTG2 XX/XX/2019, this needs to be changed and corrected. The XX/XX/2019 needs to be changed to MTG 1 and the other reporting needs to be removed entirely. My XXXX payment was late but rolled over months over months due to 28 days in the month resulting in Ditech not knowing about it until XXXX I can except that reluctantly, however making two reports is incorrect on every level. Ditech must remove the late report made in XX/XX/2019 they did not even own the loan and it was paid in full by XXXX XXXX at the time. 
DItech advised me to have XXXX XXXX contact them on my behalf since my loan was current and now owned by XXXX XXXX, after reaching out to XXXX XXXX their credit department was appalled they advised this since they in no way can represent me. My new lender ; XXXX XXXX told me they could not do anything to help me with Ditech incorrectly and un-responsibility reporting me to credit bureau. 

Please contact me with for next steps to remedy these from my credit report. 
Thank you,