davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/XXXX, payment was received at the Apple Card lockbox payment center in XXXX, PA. Upon receipt of the bank check, Goldman SachXXXXApple Card posted the payment received XXXX days later, XX/XX/XXXX. However, upon receipt of the payment, Goldman Sachs refuses to post the payment as cleared until XX/XX/XXXX. I spoke with XXXX and XXXX, who gave conflicting information. 

XXXX XXXX stated that my credit limit was on hold because the check did not clear. However, XXXX confirmed my check had cleared. 
- When I received a message from Goldman Sachs customer services, they stated in writing that when payments are received, there is a XXXX processing period to be applied to the account. However, they did not disclose that the credit limit would be held for XXXX days because the payment was sent by check. 
Overall, Goldman Sachs and XXXX did a horrible job communicating their process. If I knew they would hold my payment for over XXXX weeks, I would use another payment method. In my opinion, this process is unethical and was not adequately disclosed to me as a consumer.
Consumer complaint received 2022-11-11
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: EQUIFAX, INC. (TX)

To whom it XXXX concern, The account name XXXX XXXX  with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted XXXX bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. XXXX bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and XXXX has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at XXXX recommended I dispute the account to the XXXX credit bureaus, which I have done. Equifax appears to have removed the account from my file but the account is still on my XXXX and XXXX files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

Thank you
Consumer complaint received 2021-11-23
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (GA)

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 XXXX  days and I have not received any investigation results, this is unacceptable and needs to be resolved ASAP.
Consumer complaint received 2021-11-23
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. (TX)

I have sent in certified letters to Equifax indicating proof of the discrepancies on my credit file from the month of XXXX up until XX/XX/XXXX. Do you know they send in a letter dated back to the month of XXXX that indicated items were confirmed! Even copies of paid proof and fraud dating back to XXXX cause my purse was stolen. Not sure if Equifax is biased or they just procrastinating being slothful or what and just sit there and keep doing whatever they want to do ; when I have sent in substantial evidence to this bureau This in XX/XX/XXXX the credit reporting agency continued to give out incomplete or inaccurate information after you requested correctionsconsider filing a lawsuit. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Depending on the violation, I might be able to win actual damages, statutory damages, punitive damages, court costs, and attorneys ' fees. Because each time I sent certified letters it was {$18.00} each time dating back since XX/XX/XXXX, also gas to and from. The mental anguish of dealing with the bureau has not been easy at all.
Consumer complaint received 2021-11-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (OH)

My wife and I both filed for bankruptcy in XXXX of XXXX. XX/XX/XXXX Affirm approved me for a line of credit to purchase a TV on XXXX 's website. The TV was about {$1800.00}. 12 monthly payments were paid, on time, to Affirm. Since then Affirm has closed my account. XX/XX/XXXX my wife and I applied with Affirm again. My wife got approved and I did not. Affirm says the reason for my denial is because I " have filed bankruptcy. Our decision is final ''.
Consumer complaint received 2023-12-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

Based on XXXX  last CFPB complaint against this company XXXX learned they broke more laws in the FDCPA. In XXXX XXXX response they claimed they were hired by pay ready, which already isnt true and raises half a dozen more violations of the law if it was. So XXXX looked into pay ready and found XXXX  had an XXXX  that said pay ready and central billing. But it turns out it was XXXX aka Columbia debt recovery sending a fake XXXX  not identifying themselves as a debt collector to try and get XXXX  to pay. And after not paying since XXXX dont owe the money XXXX  claiming they then approached XXXX  as a XXXX  collector.
Consumer complaint received 2021-11-23
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 — Investigation took more than 30 days
Company: Consolidated Information Services Solutions, LLC (IL)

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. I want an answer immediately.
Consumer complaint received 2021-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

After consummation of the XXXX XXXX XXXX, I learned that I was not Clearly and Conspicuously disclosed of my Right to Rescind. 
After certified mail delivery of my Notice of Rescission, the creditor did NOT reimburse the obligor. Instead, their was no legitimate response. I was told via recorded telephone call, that " I can not rescind the loan. Rescission applies only to houses. '' They did not mail this response as they said they would. Also to mention, the right to rescind is applicable to ALL consumer credit transactions. Please see XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). 

The XXXX days for their reimbursement period has well past. A remedy is now demanded.
Consumer complaint received 2021-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion have violated my privacy right under the HIPPA law and my right under the fair credit and billing act and FCRA. I have 3rd party collector continuous making harassment calls about my medical information. Please ask the bureaus to stop and provide full validation of below account and their right to collect. I have requested by certified mail on XX/XX/2021 without an answer back. I have filed a HIPPA violation in the attachment. 
XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-11-11
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)

To whom it XXXX concern, The account name XXXX XXXX  with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted XXXX bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. XXXX bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and XXXX has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at XXXX recommended I dispute the account to the XXXX credit bureaus, which I have done. XXXX appears to have removed the account from my file but the account is still on my XXXX and TransUnion files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

Thank you
Consumer complaint received 2019-12-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened a savings account for XXXX XXXX XXXX , XXXX, in XXXX. The branch closed, but funds were transferred to another branch, never identified, at CitiBank with the same account number. The account balance was kept at just over {$500.00} to avoid maintenance fees. Additions and subtractions from the account were minimal. Then in XXXX I began to receive without explanation a threat to close the account if certain unidentified information was not supplied. What ensued were two trips to the XXXX XXXX branch, signing of paperwork, numerous telephone calls, and several letters, all responded to promptly. At the XXXX XXXX branch I was informed that my bank account was closed, but I was assured by the bank official that the account was re-opened when she telephoned on my behalf. My bank statement for XX/XX/XXXX-XX/XX/XXXXindicated a balance of {$530.00}. I received no bank statement for XXXX, however. On XX/XX/XXXX, I received another bank statement for XX/XX/XXXX-XX/XX/XXXX, indicating a balance of {$260.00} with no explanation of why funds had disappeared. On the same XX/XX/XXXX, I telephoned Citibank to inquire why I was receiving contradictory bank statements for XX/XX/XXXX. I was informed by the telephone representative that the account had been closed and that a check for {$530.00} had been mailed to me. Yet I never was informed of the closure of the account, and I received no such check. The telephone representative could not explain why I received two bank statements for the same amount for two different months. And no CitiBank representative has ever explained why I had to go through all this hassle in the first place.
Consumer complaint received 2021-11-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Massachusetts Educational Financing Authority (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2021-11-23
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. (PA)

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-11-23
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: Experian Information Solutions Inc. (TX)

Experian and XXXX have violated my privacy right under the XXXX law and my right under the fair credit and billing act and XXXX. I have XXXX party collector continuous making harassment calls about my medical information. Please ask the bureaus to stop and provide full validation of below account and their right to collect. I have requested by certified mail on XX/XX/2021 without an answer back. I have filed a XXXX violation in the attachment. 
XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2021-11-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc. (SC)

I had been behind on my car payment. I lost XXXX of my jobs during COVID. I was trying to catch up and just got another job. I was out of town and CarMax had my car repossessed. I was left stranded out of town. I had no prior warning that they were going to repossess my car. I have tried to ask them to change my payment due date but they never would.
Consumer complaint received 2022-11-11
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. (AL)

I Went into Car Dealership They Told Me They Would Only run my Credit Once, I obtained A Copy Of MY Credit report and it was ran several times without my written instructions. Heres a List Of The Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint as Experian has violated XXXX  right and Fair credit and billing act. I have requested a full validation under these XXXX laws for this account name here. 
XXXX XXXX XXXX XXXX. I have not been late for this account and have requested a full validation.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX, Consumer Reporting Agency XXXX The information that I am disputing is false, and egregiously inaccurate, and it is causing me material financial harm, by hindering me from refinancing my current home loan mortgage! 

Your company XXXX XXXX XXXX has reported to XXXX that my previous home loan, which was held by Bayview Loan Servicing, was foreclosed on, vice sold to a 3rd party investor. I subsequently repurchased my home and I am still currently living in that home. 

I dispute the following information on my XXXX credit report : 1. There is an entry on my credit report under the other loans area, that was reported by XXXX XXXX XXXX, showing that my previous home loan was foreclosed on. This is patently false, as your companies name was not legally changed until XX/XX/XXXX. 

2. There is a 2nd entry, that was accurately submitted by XXXX XXXX XXXX concerning my previous loan, stating the loan was paid in full, without any false information concerning foreclosure. 

3. I have enclosed a copy of the letter dated XX/XX/XXXX ; from XXXX XXXX XXXX showing that my previous mortgage loan was paid in full, and that the loan was in fact Satisfied, and the Lien was Released. 

In conclusion, I demand that your organization remove any reference to Community Loan Servicing, and its reporting that my previous loan foreclosed on, from my credit report ASAP. This is fraudulent due to the fact that your company did not change its name until XX/XX/XXXX. If the action that I request is not done ASAP, I will seek out a civil recourse, as this reporting is currently causing me material financial harm. I will also be filing a complaint with Consumer Financial Protection Bureau, as this type of fraudulent double-dealing must not be allowed to happen Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Enclosures XXXX Satisfaction/Release of Lien letter dated XX/XX/XXXX XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Account has countless errors reported lost XXXX paid off they are reporting XXXX activity not valid and agreed to remove account. The account has been been removed over XXXX times from XXXX and keeps being readded each time it is readded I lose a major Tradeline now counting XXXX total for an account secured with my own money with perfect history for over XXXX years and under {$XXXX}?? 

They have now cost me over {$XXXX} this needs to be removed immediately
Consumer complaint received 2021-11-23
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. (NJ)

Due to the EQUIFAX data breach, my personal/identity information has been leaked. I, the consumer NEVER gave EQUIFAX my written consent to use, sell, report or hold any of my personal/identifying information to begin with. EQUIFAX has committed " identity theft ''. I am aware the term " identity theft ' as described in15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. I did not give EQUIFAX consent to use, hold, report or profit off of my information, but that's exactly what they've been doing, which has now led to my information being leaked on the dark web after the data breach. Ive submitted my claim for a potential {$20000.00} payout for my losses. Even though my losses were upward of {$200000.00} due to the inaccurate, unverified, unauthorized information they have on me.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

While in XXXX a restaurant used my credit card for over XXXX dollars. This is a continuation of : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Checking or savings account ISSUE Problem with a lender or other company charging your account I have submitted documentation to all of my accounts and awaiting responses from XXXX, XXXX XXXX XXXX XXXX and Chase. It is utterly impossible and have retained a lawyer ( XXXX ) as well as filed a police report about the theft. I have contacted Chase in an effort to clear this up. As a result of this theft BOTH of my credit cards with Chase and XXXX have been closed due to my credit score going from XXXX to XXXX as explained to me by a representative of XXXX XXXX.