davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (IN)

Debt collection Kinum is contacting me about a medical debt from XXXX. I tried to explain to 4 different representatives of this company of my attempt to rectify this debt back in XXXX when I contacted the original debtors ( Ear, nose, throat ). I received a bill summary from original debtors stating no debt/balances owed, which I emailed to a manager today  XX/XX/XXXX. Kinum reps laughed, making statements of disbelief, yeah right, just pay your bills and I wouldnt be calling. Telling me to be quiet and let them speak is not a way to handle my money or personal information. I no longer feel comfortable rectifying or providing anyone from this Kinum company my information.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

I made a purchase at Best Buy on XX/XX/2018 for {$3600.00} when the offered me a no interest for 18 months credit card, I asked the salesperson what happen if I don't pay in full in the 18 months, he told me then you will have to pay interest in your balance, I said ok, so he walked me to the cashier and she asked me for my personal information 5 minutes later she told " congratulations you are approved '' and she asked me to sign on the electronic pin pad and gave me the receipt. 
I asked her for a copy of my application but she told me that I will get it by mail along with the new card in 10 business days, a month passed and I didn't get any correspondence, I called Best Buy asking for the documents the customer service representative apologized and told me that he is going to expedite my request and that I should receive it in no more than 5 business days, effectively at the fourth day I just received the new card with the activation information ONLY. 

In XXXX I logged in to make my monthly payment and I notice that my account that was supposed to be about {$350.00} is now {$1200.00} because they charged me the 18 months of interest. I called to ask for any document signed by me accepting those terms. 

I called Best Buy in XXXX, spoke to the manager, this very rude lady told me that all that information was on the pin pad and that I should have read the information when I signed the receipt for the purchase, I told her that it is impossible to read that information in such a small device in less that 3 minutes, she ironically told me " I do it every time that I buy something '' Last week somebody called me from Citibank saying that they funded Best Buy 's credit cards, I asked this person how it is possible that I have this card since XX/XX/2018 and it is the first time that they call me to tell me this information, however, I explained this lady the problem, but she told me " I am sorry, but it is too late for you to request an adjustment of interest, you had only 30 days to it, I am pretty sure that Best Buy should have told you this, they are very well trained '' I felt insulted. 

Now Citibank calls me every day treating me to put me on collection.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-03-23
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. (AR)

It has been more than 30 days since my initial dispute and since I've submitted my identity theft report to Equifax Consumer Reporting Agency. Equifax has failed to adhere to the Fair Credit Reporting Act by reporting fraudulent related accounts due to identity theft to my credit file. Equifax once blocked/deleted the rocket loan account # XXXX and as of XX/XX/2020 the account is currently displaying on my credit which violates section 605b. In addition Equifax was was notified via mail and internet with an identity theft report which included two fraudulent accounts Freedom Plus XXXX and XXXX XXXX   XXXX. This accounts currently are reporting as updated which is unacceptable after Equifax has received all necessary documentation on my be half and has failed to provided 100 % accurate verification as per the Fair Credit Reporting Act. It is obvious my identity has been compromised and these accounts are having significant negative impact including denial of credit.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RSI Enterprises, Inc. (AZ)

Early XXXX XXXX Contacted original creditor, XXXX XXXX XXXX , and asked for account to be moved back in their possession, they agreed, and a payment plan was set up. Agent with original creditor assured that RSI enterprises would no longer have my account, that they would notify RSI enterprises, and that the system of RSI Enterprises would be would be updated within 2 weeks. 

XXXX : RSI enterprises continues to falsely report that my account is still in their possession as a derogatory collections account. XXXX  has removed this from my account and Transunion is unable to dispute. XXXX  is pending. 

Under the FCRA, this is false information and is illegal for them to continue reporting as if my account is still in their possession. 

I WILL NOT attempt to contact RSI enterprises directly out of fear of humiliation, harassment, and retaliation which was experienced by contacting this company before. I have a history of harassment, humiliation, and retaliation with RSI enterprises from an account in the past. To keep from further mental anguish from this company I REFUSE to contact them directly. 

It is my right to have my credit reported accurately and efficiently. Both of which, RSI enterprises is failing to do.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

ON XX/XX/2020, MY EQUIFAX AND XXXX  SCORE DROPPED 191 POINTS DUE TO XXXX   REPORTING THAT MY ACCOUNT WAS 60 AND 30 DAYS PAST DUE, THEY REPORTED TAHT I MISSED TWO PAYMENTS, THAT IS NOT TRUE, I RECEIVED MERCHANDISE THAT WS BROKEN BY THE DELIVERY DRIVER, I CONTACTED XXXX AND WAS TOLD NOT TO MAKE A PAYMENT UNTIL THE FURNITURE WAS FIXED, I SPOKE WITH XXXX ON XXXX, SHE INFORMED THAT THE CREDIT DEPT WSA CLOSED AND THAT SHE WOULD SEND THEM AN EMAIL SO THAT THEY CAN CONTACT ME, I SPOKE WITH XXXX XXXX ON XXXX SHE ASKED THAT I FILE A DISPUTE WITH THE CREDIT BUREAUS SO THAT IY COULD BE ESCALTED XXXX THEIR CREDIT DEPT, SHE TOLD ME THE ONLYWAY FOR THEM TO REMOVE THE MISSED PAYMENTS WAS TO FILE A DISPUTE, I RECEIVED ANOTHER PHONE CALL ON XXXX FROM XXXX XXXX SHE INFORMED ME THAT SINCE ITS BEEN THREE MONTHS AND THE FURNITURE COMPANY HAS NOT FIXED THE BROKEN MERCHANDISE THAT THEY WILL EXTEND THE 90 DAY SAME AS CASH TO AN EXTRA 30 DAYS SO INSTEAD OF BEING XX/XX/XXXX THAT THEY WILL GIVE US TO XX/XX/XXXX TH XXXX TO HAVE THE 90 DAY SAME AS CASH, SHE ALSO INFORMED ME TO FILE A DISPUTE WITH THE CREDIT BUREAUS AND ONCE THE DISPUTE IS RECEIVED TAHT XXXX WOULD APPROVE THE DISPUTE AND THE LATE PAYMENTS WOULD BE REMOIVED.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

ON XX/XX/2020, MY XXXX  AND TRANSUNION SCORE DROPPED 191 POINTS DUE TO XXXX   REPORTING THAT MY ACCOUNT WAS 60 AND 30 DAYS PAST DUE, THEY REPORTED TAHT I MISSED TWO PAYMENTS, THAT IS NOT TRUE, I RECEIVED MERCHANDISE THAT WS BROKEN BY THE DELIVERY DRIVER, I CONTACTED XXXX AND WAS TOLD NOT TO MAKE A PAYMENT UNTIL THE FURNITURE WAS FIXED, I SPOKE WITH XXXX ON XXXX, SHE INFORMED THAT THE CREDIT DEPT WSA CLOSED AND THAT SHE WOULD SEND THEM AN EMAIL SO THAT THEY CAN CONTACT ME, I SPOKE WITH XXXX XXXX ON XXXX SHE ASKED THAT I FILE A DISPUTE WITH THE CREDIT BUREAUS SO THAT IY COULD BE ESCALTED XXXX THEIR CREDIT DEPT, SHE TOLD ME THE ONLYWAY FOR THEM TO REMOVE THE MISSED PAYMENTS WAS TO FILE A DISPUTE, I RECEIVED ANOTHER PHONE CALL ON XXXX FROM XXXX XXXX SHE INFORMED ME THAT SINCE ITS BEEN THREE MONTHS AND THE FURNITURE COMPANY HAS NOT FIXED THE BROKEN MERCHANDISE THAT THEY WILL EXTEND THE 90 DAY SAME AS CASH TO AN EXTRA 30 DAYS SO INSTEAD OF BEING XX/XX/XXXX THAT THEY WILL GIVE US TO XX/XX/XXXX TH XXXX TO HAVE THE 90 DAY SAME AS CASH, SHE ALSO INFORMED ME TO FILE A DISPUTE WITH THE CREDIT BUREAUS AND ONCE THE DISPUTE IS RECEIVED TAHT OKINUS WOULD APPROVE THE DISPUTE AND THE LATE PAYMENTS WOULD BE REMOIVED.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (MO)

THIS COMPANY HAS TAKEN THE TIME TO DAMAGE MY CREDIT DURING A NATURAL DISASTER. REPORTING 30 DAYS LATE & REMOVING THE CORRECT STATUS DUE TO THE COVID19. ALSO REPORTING THIS JOINT DEBT AS A INDIVIDUAL DEBT WHEN ALL THEY HAVE IS A JOINT CONTRACT. THE OTHER PARTY FILED BANKRUPTCY BUT NAME ISN'T REMOVED FROM THE CONTRACT FOR WHICH I AM STILL CONSIDERED RESPONSIBLE. THE STATUS OF THE ACCOUNT WAS CHANGED SO THEY COULD ONLY REPORT TO MY CREDIT. NO WHERE IN THE CONTRACT DOES IT STATE IF ONE PARTY FILES BANKRUPTCY THIS ACCOUNT CAN BE REPORTED TO ONE INDIVIDUAL. I AM REQUESTING THIS FIXED ASAP AND THE LATE PAYMENTS REMOVED. ALSO ACCOUNT TO BE PLACED BACK UNDER A NATURAL DISASTER.
Consumer complaint received 2020-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (NJ)

After speaking with an attorney who identified himself as XXXX XXXX of XXXX XXXX about an inheritance document ( that was later found to be forged along with death certificates and notarized court documents ) ..I then realized that he stole the identity and letterhead of the actual XXXX XXXX as I called the correct office of the real attorney who I thought I was dealing with. The real XXXX XXXX told me it was not him and I was involved in a scam. Along with the stolen identity of the attorney was another party who pretended to be a bank audit department head ( XXXX XXXX of XXXX XXXX  in the XXXX ) using the exact same letterhead and phone exchange as the real XXXX XXXX   in the XXXX. 
Before I realized all this they had me wire funds ( {$7700.00} on XX/XX/20 and {$31000.00} on XX/XX/20 ) to their so called domestic trust account at M and T Bank at XXXX XXXX XXXX in XXXX MD. The name on this account was XXXX XXXX XXXX and account # XXXX. 
Upon realizing this fraud I went to my bank ( XXXX XXXX  ) and had them order a reverse and stop transfer of fund request and told M & T to investigate these transactions due to fraud but my bank or myself has yet to hear from them. I reported this to the FBI as well as local authorities
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX a living human being, a natural person. I have filed complaint after complaint to inaccurate accounts information with company not providing verification of documents waiting XXXX days complete refusal. I have rights under 15 USC 1681, Equifax is governed by 15 USC 1681 and they an creditors have violated my rights numerous times. I demand these accounts be deleted because- XXXX  # XXXX, - XXXX XXXX # XXXX accordance to 15 USC 1681. I have the right to privacy and I did not give the credit reporting agency written instructions/permission to furnish these accounts - Section 623 ( a ) ( 3 ) missing notice of dispute- Section 611 ( a ) ( 1 ) failure to investigate items in 30 days should be deleted- 15 USC 1681e ( b ) accuracy of report- 15 USC 1681n Civil liability for willful non compliance- 15USC 1681s-2 ( b ) reporting of information after notice of errors- 15 USC 1681i ( 5 ) ( A ) ( i ) treatment of inaccurate or unverifiable information provided in case of dispute accuracy by credit reporting agency
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

On XX/XX/2020, I reviewed my credit report because I am preparing to purchase a home. Upon review, I have a collection account from Midland Funding LLC. I have never received any notification from Midland Funding LLC, notifying me of a debt. Nor did I ever receive any written notification from Midland Funding LLC regarding my right to dispute debt within 30 days or given any documentation proving that I have any obligation to pay any debt. I don't owe any money to Midland Funding LLC, nor do I owe money to any third party Midland Funding LLC claims to represent. Midland Funding LLC has damaged my credit and violated FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am writing you this statement to delete the following information provided on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2022-12-28
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. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so.
Consumer complaint received 2020-04-16
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 — Investigation took more than 30 days
Company: Westlake Services, LLC (CT)

I applied for a loan from Westlake Financial Services in XX/XX/XXXX. I was involved in an accident in XXXX before that I was doing timely payments. Initially the insurance payment paid them off a major of the portion of the principal and then I kept in paying too same as before. I also financed an extended warranty through them so the company of the warranty had to sent me a check the check went to them first and they paid themselves then they paid me. When the loan was closed which was reported on XX/XX/XXXX they reported that I was 30 days late for XXXX payment 30 days late for XXXX payment and 30 days late for XXXX payment. Their representatives were very inept and lacked proper training and this company is probably the worst lienholder Ive been dealing in my entire life. Anyways the payment should be done by the first of each month. I am attaching two screenshots where my payment for the due date on XXXX was made on XX/XX/XXXX in full for the due date by XX/XX/XXXX. Also the payment for the month of XXXX was done in two different dates for two different amounts XXXX dollars on XX/XX/XXXX and XXXX on XX/XX/XXXX for the due date by XXXXThey also told me that my account was paid off sometime in the end of XXXX with the check that the warranty company sent to them they paid off themselves in XXXX and then refunded me so despite I took a statement on XX/XX/XXXX to make a payment by XX/XX/XXXX but yes I did not make a payment due to my account being paid off from the check they got from the warranty company. I want to know how is it possible I was 30 days late in payment for the months of XXXX and XXXX and 60 days in XXXX when my account was closed on XXXX? Despite its reported as closed on XX/XX/XXXX on XXXX  I think.
Consumer complaint received 2020-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (IL)

My Marcus by Goldman Sachs savings account locked me out while performing a normal password change request. It made me generate a pin 6 times and locked me out by the 3rd pin request. When I called XXXX to have my account unlocked they lied to me and told me the website is not working properly. However my coworkers all logged in without any issues whatsoever. Attached is what they showed me upon requesting a pin for login. The XXXX and XXXX employees working in the NY call center are stealing government funds from XXXX  XXXX  and did not want to be caught. They stole one of my deposits as I have in an email that I received 2.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (FL)

I wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2020-03-23
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. (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 bankruptcy. 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. 

XXXX XXXX XXXX {$3600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED {$0.00} XXXX
Consumer complaint received 2020-04-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

This is a continuation of XXXX, which CFPB has closed when it shouldn't have. The problem is that Experian will not let me freeze or unfreeze my credit report when I want to. Their online function rejects my request, asking for additional documentation, but then Experian takes no action after I send it in. There has been no response from the company as to why I can't do this operation. I suspect that there is something wrong in their database about me that makes it not think I am who I am, but I'm just guessing. I would appreciate your help with this, and I would also appreciate your not closing the case till the problem is resolved. Thanks.
Consumer complaint received 2020-03-23
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. (MI)

I have made numerous phone calls and letter to XXXX XXXX  and to the credit bureaus such as XXXX   and Equifax. XXXX XXXX has been reporting an non data information to these credit bureaus listed above for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. In event of the information being erroneous and out-dated, I have been experiencing a amount of XXXX  and XXXX  due to my current status of a home loan. I was denied credit due to the non- data information on my credit report. On these dates above, supposedly should be representing is ( payments on time or OK status ). My credit is very important to me and has been working very diligently towards this situation. I am requesting that XXXX XXXX, XXXX, and Equifax please work together in correcting this issue.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

We refinanced our existing mortgage from NewRez to another mortgage company and closed on XX/XX/2020. We have tried numerous times to reach out to NewRez to get our escrow refund of over {$3300.00} and any other over charges. We were left on hold for over 40 mins to then be disconnected. We have done this numerous times and have also left message. We have yet to get a response.
Consumer complaint received 2020-04-02
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Manhattan Beach Venture, LLC (CA)

They said i went XXXX XXXX  something, i never did I never ask for a loan because my situation is i didn't even finish XXXX grade last time was XXXX  at XXXX XXXX high i summit all paper work year after year now they did they never got nothing Im homeless I don't have any of my record is been more than 7 year me trying to clear this but they never give me a result my signature doesn't even come closely to mine