davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

XXXX  is a company that does payroll for another fraudulent company which is XXXX XXXX wisely charge me for a service they didnt provide they charged XXXX dollars against my card to have express shipment they I didnt get holding my money and the card leaving without access to my funds meanwhile this card comes through a job I no longer work for that doesnt report proper info to Maryland Labor or IRS on there workers they make you work for nothing or less then what was offered in signing up for the job this company has XXXX  XXXX  on the job XXXX  XXXX  XXXX  on the floors from XXXX that runs the store knows but removes all that he can steal from XXXX of Human Resources have you work off the clock stating she will put hours in that doesnt get put into the system while working they remove good workers and keep those they can manipulate this company owes me XXXX that they have not paid not trying to pay from fraud to XXXX  to ripping off customers this company along with card services needs to be shut down I will make this noted to the world do all in my power to take both XXXX  XXXX  XXXX XXXX  accountable for the fraud thats being provided something needs to be done about the XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX location and the financial company which is XXXX  they use both is committing fraud and stealing from the users of there employment and services!!!!!!!!!!!!! reporting them to all putting up fillers to get them exposed!
Consumer complaint received 2020-07-09
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)

filed ftc on all the accounts listed : XXXX XXXX  XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Term -- Monthly Payment {$0.00} XXXX XXXX XXXX {$9.00} XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1500.00} Term -- Monthly Payment $ XXXX XXXX, XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} XXXX XXXX XXXX {$460.00} Highest Balance {$460.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$460.00} Times XX/XX/XXXX Days Late XXXX Remarks Charged off as bad debt Canceled by credit XXXX Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit XXXX % Creditor Contact Details XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual XXXX {$210.00} High Balance {$210.00} Remarks
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a 3rd party! These credit reporting agencies are failing to properly investigation DISPUTES and FAILING to provide accurate results and they have been negligent in complying. PLEASE REVIEW DOCUMENTS ATTACHED.
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX, XXXX Z SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE:XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I would like USAA to provide me with their policy for applying payoffs to auto loans. In particular, I'd like to find out what notification processes they use to confirm receipts of payoffs and handling incoming mail. I would like to also find out if the payoff check I sent to them was dated and time stamped upon receipt. I currently, have an error on my credit report for XX/XX/2018 and what like to know why the payment was not applied in a timely manner before reporting the account late.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Delete the following information off my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX
Consumer complaint received 2021-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (FL)

I have called acima numerous time to payoff the balance on my current lease, but they keep giving me excuses and want me to pay an Early Purchase Amount : {$430.00} + tax olin order to pay off the account, when hen I have already paid {$530.00}. My total purchase was for {$440.00}. 
This type of company should be out of business, they rip off customers.Please help me to resolve this matter. This
Consumer complaint received 2020-07-10
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. (FL)

Good morning, I recently checked my credit report and noticed a couple of accounts that I do not recognize. I believe my identity has been compromised. I am not sure what to do but please help us in this matter in getting this issue resolved in a timely manner. I thank you in advance. The accounts are reporting as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. None of these accounts have I ever been in business with or ever even heard of. This is really stressful for me because I can not use my credit for anything with these accounts that were obtained fraudulently and now I am getting penalized for it. Please help me.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AL)

My account was transferred to PNC bank from BBVA compass bank and I received 2 micro deposits from XXXX XXXX XXXX for XXXX cents and XXXX cent so they can verify my new bank account and then they withdraw the total of XXXX cents. PNC bank made a mistake and cancelled the 2 deposits from XXXX XXXX XXXX and just kept the withdrawal of XXXX cents and that is a huge mistake for a big bank like PNC to make. My balance was reduced by XXXX cents and the deposits of XXXX cents and XXXX cent were cancelled or dropped by PNC bank. I want to know how PNC bank can make a mistake like this and they should rectify that mistake and fix my account
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It's been a while since I sent my disputes to the bureaus. I sent a dispute to Transunion, XXXX, and XXXX and still have not received a response. I believe my disputes were sent XXXX and today is XXXX still with no response. It has been almost 2 months and it's very hard for me to obtain new credit and these inaccuracies on my consumer report are defaming my character. The consumer reporting agencies are in violation of the FCRA. 15 USC 1681i states these agencies must do an investigation within 30 days. I still haven't gotten any results of my investigation. This information should be promptly deleted from my credit file as a result of non-compliance pursuant 15 USC 1681i.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

I applied for citi Sears credit card and was denied for weird reasons inquiries for credit and I wasnt giving a second chance and I called the number and I cant get hold of a live rep and this sounds like scams or Sears is not in business I would like this inquiry remove off my credit report it dont make any sense at all I dont have any other inquiries reported on my XXXX just citi/Sears and I have good credit. I would like a call back from Citibank Sears to get this application reviewed. So far I havent gotten hold of a live rep and I will enclose a letter and my credit report
Consumer complaint received 2020-06-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PROSPERITY BANCSHARES, INC. (TX)

i have contacted prosperity bank via chat which i was in the queue for 20 mins to inquire on refinancing only to be told i had to call by phone - i called and i waited 30 minutes until an agent answered and hung up on me after she said her welcome script. i understand the call volume is up and hold times are longer ( i work for a XXXX  ) but this is poor customer service. my account was with Legacy Texas and never had issues with them and then transferred over the XXXX XXXX, and if this is the way they treat their customers, i will take my business elsewhere. 

someone needs to call me back from the loan dept - XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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: GOLDMAN SACHS BANK USA (TX)

This matter concerns the Consumer File or Report of XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) found with XXXX & XXXX and no other matter. 
The following dates are instances where Goldman Sachs accessed or otherwise requested or purchased the consumer report without permissible purposes or written consent from the consumer. 
Pursuant to 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, the following transactions were not authorized by the consumer via written or other consent. 
XXXX GOLDMAN SACHS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS BANK 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 GOLDMAN SACHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE GOLDMAN SACHS GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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. (IL)

In accordance with the Fair Credit Reporting act, XXXX BANK XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Thief Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( XXXX ) they should be removed.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

LVNV Funding LLC is attempting to collect a fraudulent debt from me. The fraudulent debt was originally purchased from XXXX XXXX. I have asked for the original contract, payoff disclosure, balance history, payment history and credit insurance history. To date I have not received said items. My credit score has been negatively impacted by the harmful practices of LVNV Funding LLC ( Re-aging credit accounts ). I am requesting that CFPB corrects the wrongs of the collection agency and restores my credit health.
Consumer complaint received 2020-07-10
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: Nelnet, Inc. (NC)

I have student loan debt. In 2017 I was to begin my first payments. I wasn't aware of this at the time. I did go to that school anymore and all the loan company had was my school email address. Also during this time I was pregnant. The months were XXXX, XXXX, and XXXX. XX/XX/2017 is when I gave birth. I was out of work and having to take care of a new born. When I checked my credit a few months later it said I had missed 18 payments. I have 6 individual loans, so each one missed 3 months of payments. And on XXXX it just changed to 24 missed payments, just recently added XXXX as well. I understand it is my responsibility, I was planning on continuing my education and then got pregnant and also moved to another state. I've asked them if they can remove those missed payments multiple times with no as being the answer. I get no explanation at all.. Since 2017 I've had horrible credit because of these missed payments. No matter what I do I can't get rid of them and it doesn't matter if everything since has been paid on time. Never late on any credit cards or car payments. I am also going to school again to finish and get my degree in XXXX. I just would like to be able to do things with my life without this following me around forever. I can't even get a loan with my husband to buy a home or a car. What can I do?
Consumer complaint received 2021-10-13
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. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE:XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX  XXXX XXXX, FL XXXX Resident typeSingle family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

There are several inquiries on my credit report that I am unfamiliar with/fraud and they should be removed because I didn't apply to these creditors : XXXX ( 6 ) XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( 4 ) XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN ( 8 ) XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX