davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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. (VA)

I had two first XXXX XXXX XXXX  open in my name that I didnt do they were made by an identity theft I reported it to them to all three bureaus which they took fifteen days to say the illegal verified three times and they not removing the illegal accounts. Then XXXX reported to my 3 credit bureaus that I had an account that I didnt open and then when I disputed it they put a second account there. Experian wont remove anything from account even when I showed them that both XXXX and XXXX took it off. Then XXXX XXXX  have an account listed on there that I didnt open someone had robbed me of my wallet and opened a bank account in my name and overdrawn it. Im tired of being penalized for what I didnt do. Please help me resolve these issues Im homeless sleeping in a car because of the reporting agencies and fraudulent accounta
Consumer complaint received 2021-01-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Crossroads Systems Inc. (TX)

Because of the covid it has made me impossible to work, they moved 2 payments, after that I have been trying to make my payments and it has become very difficult for me, but I been paying. 
On XX/XX/21 I send a payment of XXXX dollars which has not been credited to my account and I received a letter saying that if I do not pay everything in full ( XXXX what is XXXX and XXXX payment ) in 30 days, the house would be put in forclosure. 
I have called them to try to fix something and ask for help, but it is impossible to come to an arrangement with them especially with Mr. XXXX who always has a bad attitude and said that they do not accept partial payments. I'm not asking to be accepted partial payments, I'm trying to pay my debt as much as I can. 
I'm a XXXX XXXX mother and she's in my residential house.And I know the contract and commitment I have, but when I wasn't there the covid my account was up to date I actually paid a little more than my monthly payment is. 
I don't understand how there can be people so inconsiderate that in addition to it taking advantage of the thing that you don't get financing with a bank and they finance you using interest so high, they want to take advantage of you and take away what little you've achieved.
Consumer complaint received 2023-06-14
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. (CA)

In accordance with the Fair Credit Reporting act. The list of items below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX and U.S. Bankruptcy Court XXXX. 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 an 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 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (FL)

I have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (SC)

I have received repeated, multiple calls, daily claiming to be from your company. It's an automated call with no detail and have received the same message from various different phone number, even my own area code. I have blocked multiple numbers, but then a new one calls with the same message.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (PA)

EdFinancial has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. 
Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not XXXX XXXX  to this lender. I also didnt sign an agreement, nor take out these loans with EdFinancial. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC (DE)

Attempted to pay balance of XXXX online several times and was unsuccessful in the process due to the online site. Each day the amount increased and when I contacted Speedy Cash they advised it was nothing they could do and I would be responsible for the amount as it is today. I also sent a email with no response. I went ahead and made the increased amount balance payment. Speedy Cash had no issue taking the payment for the increase amount over the phone.
Consumer complaint received 2021-01-27
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. (MI)

XXXX XXXX XXXX XXXX has a policy to update credit reports mid cycle if an individual 's balance has large increases. They do this for one reason, to harm consumers by lowering their credit score creating more opportunities for lenders to charge higher interest rates. I have over a year of credit reports as proof including what I am attaching to this email. 
The following attachments will show that : XXXX XXXX XXXX reports my account on the XXXX of each month Balance reported on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX On XX/XX/XXXX XXXX XXXX reported my balance of ( XXXX XXXX XXXX XXXX XXXX XXXX for reasons unknown to me and just 4 days after reporting my XXXX balance, re -reported the increased balance adding additional fees of {$1000.00} Does XXXX XXXX XXXX bank routinely furnish updated balances mid cycle or more than once per month or is there a personal reason why they did with my account? 
Whatever their reason is reporting mid cycle with my account, is this policy indiscriminate with all card holders? 

I am not asking for the deletion of the line of credit or balance I am asking for the balance as of the date the initially reported to be updated correctly which was the balance reported on XX/XX/XXXX. By removing all information would stil be deliberately furnishing inaccurate information. 
Whatever the reason or policy is, I am sure the CEO of XXXX XXXX XXXX XXXX Mr.XXXX. is aware and signed off therefore, if this is a violation, discrimination or other bad behavoir, Mr. XXXX XXXX is personally responsible. 
This information will be shared on social media, along with a complaint through the CFPB
Consumer complaint received 2023-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

Subject : Fraudulent transactions conducted in my absence amounting to over {$120000.00} from my Savings account at Marcus by Goldman Sachs. 
Summary : I am on XXXX XXXX in the USA and was out of the country for a long duration due to my father 's accident and my personal serious illness due to XXXX. In my absence there were total 345 fraudulent transactions conducted due to bank 's negligence and the bank failed to lock my account or notify me. These transactions happened for over 8 months from XX/XX/XXXX till XX/XX/XXXX. 
I have repeatedly contacted the bank to resolve the issue and refund the amount, but only a partial amount was refunded and the bank refused to acknowledge fraud stating that the transactions were legitimate. 
My family is going through a tough time and my father is still in XXXX XXXX Such a huge amount is a big loss for me and my family. 
I urge you to look into this matter and help me recover my funds.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQFX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (LA)

My name is XXXX and I work for a private company. I get pre-recorded calls almost everyday for someone name XXXX that does not work here. These calls need to stop. There is no XXXX here, this is a business. This company calls from telephone # XXXX but the recording says to call telephone # XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities despite multiple attempt. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

Please acknowledge receipt of this complaint in writing within the specified timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-01-20
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. (SC)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-20
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on Wednesday fed XXXX I deposited {$840.00} into a Bank of America atm and the atm did not deposit my cash or return it. I contacted Bank of America the next morning and was told I would receive my funds within XXXX XXXX hours. I still have not gotten any of my money and when I contacted Bank of America again they now said I won't be credited my money for up to 45 days.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (ID)

I have applied for citibank 3 times in the past year, 2 times an account was opened. Last year and this year. 
The first time was XX/XX/XXXX, but before opening the account had major issues verifying identity. 
I solely blamed the company for fault as repeatedly I had asked them to do a security call. And answered the call each time with the line going dead or no response heard. Any voicemail left was unintelligible. 
So next step was this security code via mail. One of which was never received, there security team had stopped giving any information without this " code '' and hung up every single call. 
I couldn't even verify when this alleged code was sent out. 
I finally received it almost 3 months later! 
Appalling to say the least, then after all the hassle, my debit card never arrived, more delays. Someone had entered my address wrong... go figure. 
So I get my debit card more than XXXX weeks later, I activate it and set up online banking. 
Less than XXXX later I'm locked out of my account and guess what the account was closed, I was informed I'd get a letter, I waited over 1 month and got no letter. Funny during this time all my welcome kit and other letters arrived but nothing relevant! Security team were useless, called repeatedly wanting answers and refused to talk to me further and hung up rudely. 

Fast forward to XX/XX/XXXX. Via phone I apply for a citi priority checking account and savings, after successfully identifying myself, they opened the account but couldn't send a 1 time pass code to my phone and said once I receive my welcome kit in the mail, to call back in once I had my card details. 
Welcomed me back to citi. Nothing received as of XX/XX/XXXX, however I get a XXXX statement XX/XX/XXXX that is dated for XXXX and the account is closed. Again received no debit card, email, phonecall any mail correpspndance or anything. Just one measley statement Citibank have opened accounts these accounts made an inquiry on my consumer report. And it shows my name and not sent ANY communication or correpsondance and closed them without reason and it's almost 1 month post opening and none of which the banker I spoke with on XX/XX/XXXX had turned up in the mail. 

At this point I believe I am being targeted and profiled because this is the 2nd time the same exact process happened where mysteriously I have no correpsondance or communication again and didn't even get a chance to deposit funds in the account or do anything! 
It's utter garbage.
Consumer complaint received 2023-08-09
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: Resurgent Capital Services L.P. (PA)

LVNV FUNDING- FOR XXXX  XXXX {$2200.00} Opened XXXX, FRAUD, MULTIPLE DATES DISPUTED, AND MULTIPLE CALLS TO BOTH COMPANIES LVNV FUNDING-FOR XXXX XXXX OPENED XXXX {$1100.00} FRAUD DISPUTED MULTIPLE TIMES, CALLED MULTIPLE TIMES XXXX XXXX INVESTMENT FOR XXXX - {$1100.00} XXXX XX/XX/XXXX FRAUD MULTIPLE DATES DISPUTED, MULTIPLE CALLS XXXX  XXXX FRAUD ACCOUNT # XXXX XXXX  XXXX FRAUD ACCOUNT # XXXX XXXX XXXX FOR XXXX XXXX, MULTIPLE ACCOUNTS ( 6 ) Fraud DISPUTED MULTIPLE TIMES, MULTIPLE CALLS XXXX  XXXX OPENED XX/XX/XXXX, FRAUD, MULTIPLE DISPUTES, MULTIPLE CALLS
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (OH)

For 3 months, randomly spread throughout 2 years now, Upstart has said I've paid late but it won't be reported to credit bureaus. And when I checked XXXX XXXX my credit score has taken a HUGE HIT due to this. I've made payments on time. Do not go through these people they will try to over charge you anyway they can!
Consumer complaint received 2017-05-16
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 (OH)

I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today.  XXXX
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WI)

Citi bank Costco card Terms minimum credit limit {$500.00} They wont let me lower my limit lower than XXXX I want the limit to be XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, XXXX Subject : Dispute the inaccurate name and addresses appearing on my credit report issued by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Erroneous/Inaccurate/fraudulent Account names and account numbers : 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 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 
This letter is a formal dispute and request for investigation under the Fair Credit Report Act ( FCRA ), 15 U.S. Code 1681 et seq.

1.15 USC 1681e ( b ) Accuracy of information/ This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i- Duty to investigate. This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 USC 1681C Disclosures of Consumer Reports. This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names, addresses, inquires and accounts do not contribute to the accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names, addresses, inquires and fraudulent accounts associated with my credit report, remove the inaccurate accounts and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. T Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (VA)

I'm disputing negative items on my credit report due to identity theft. Although creditors agreed to remove them, the credit bureau denied my claims, violating the Fair Credit Reporting Act. Fix this now and remove the accounts, or I'll take legal action if not promptly addressed.
Consumer complaint received 2024-02-01
Product: Credit reporting 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope this letter finds you well. I recently discovered a fraudulent account on my credit report, impacting my credit standing. The affected accounts are XXXX XXXX XXXX XXXX XXXX XXXX  I did not open or authorize these accounts, and I suspect identity theft.