davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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. (FL)

Account # : XXXX XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (CO)

I wrote a cease and desist letter and letter validate the debt on XX/XX/XXXX after discovering the acct on my credit files without prior notification on XX/XX/XXXX, and after failing to notify they received this acct XX/XX/XXXX. I sent this letter certified. They did NOT respond to my letter to validate within 5 days in accordance to FDCPA. They have never provided, acct information, payment history, balance when received, interest accumulated, payment history,, they have violated my consumer rights under Section 1692g ( a ) of the FDCPA by including the validation notice in the initial communication. 
If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 
I NEVER received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (CA)

Marcus by Goldman Sachs advertised a promotion online to offer new customers that sign up for their XXXX Account and found it with {$10000.00} to receive a one time bonus {$100.00} I fulfilled all requirements mentioned in the small print also called in when opening the account, everything was fine until I asked after 4 months for the {$100.00}. 

The refused to offer the bonus : ( told me many time the will review and call me back but never get back to me. 

Today I called again and no result. 

See attached offer send directly to me and the requirements I fulfilled! I used their link to sign up for this offer.
Consumer complaint received 2022-06-01
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violtated 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 Inquiries that I didn't authorized : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

This.resurgent company is trying to collect a debt from XXXX or XXXX that I reported at the time as fraudulent charges - the original creditor corrected the issue back in XXXX - this debt is not mine nor is it collectible from me - as a matter of fact I dont even think its legal to try and collect a debt from XXXX from any party-
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I mailed a letter in regards to inaccurate and unknown items on my credit report. It has been over 30 days and I have yet to receive a response. I feel like my disputes are not being taken seriously, and I feel like I am being taken advantage of. I have researched and found that my disputes are to be investigated within 30 days. Because the investigation has surpassed the timeline required by federal law, the items in disputes must be deleted. If the items are not deleted immediately I will file for litigation for the stress caused. Additionally, my information was also impacted by the XXXX data breach and has most likely gotten into the hands of a malicious person.
Consumer complaint received 2022-04-15
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-01
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: SYNCHRONY FINANCIAL (CA)

For two weeks I tried to get in contact with a physical person about a Reimbursement of payments made to a program i was enrolled in XXXX. A program i never signed up for to my knowledge, and a program that was deemed to use predatory practices for the " Card Security '' program. They did in fact refund one year of the service for a total of {$1300.00}. But after i made numerous complaints to speak with a manager about a full reimbursement, no one ever contacted me back. Which is very unprofessional. 
On the Date, XX/XX/XXXX I made a complaint On CFPB To get in contact with someone regarding my issue. After weeks i finally got a response from a dead end number where the person never answers the phone and has a full voicemail. I have called the contact number of XXXX XXXX a minimum of 15 times over the course of two weeks. Never answers the phone never has a cleared voicemail. This is completely unacceptable i have to go through this amount of work to get someone from your company to do anything. Ive seen countless people receive full reimbursements for this same issue. 

Synchrony already got in trouble from the CFPB for this very same issue. 

( 1 ) deceptive practices relating to the marketing and sale of certain of the Bank 's credit card add-on products ( the Add-On Matter ), in violation of Sections 103l ( a ) and 1036 ( a ) ( l ) ( B ) of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ) ;
Consumer complaint received 2022-06-01
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)

I XXXX XXXX filed a complete direct dispute with equifax And XXXX Ive already sent in police reports theft affidavits complete full copy of my driver license and proof of address and the accounts and inquiries that are fraudulent Equifax and XXXX Failed to Protect my Consumer rights they did not block or delete the information from appearing on my personal credit report within 4 buisness days of acknowledging the receipt of documentation which by law is a violation under the fair credit reporting act section 605B. 


XXXX still have collections of :XX/XX/XXXXXXXX $ ( Fraudulent XXXX XXXXXX/XX/XXXXXXXX $ ( fraudulent XXXX XXXX XXXX $ ( fraudulent Equifax reporting a fraudulent account XXXX from ( XXXX XXXX XXXX ) I have contacted all creditors Ive sent all documentation to the credit reporting agencies and they have completely failed to protect my consumer rights!!!!!!! Im now filing another suit against Equifax and XXXX for Defamation of Character and emotional distress this has to be stopped the fraudulent accounts that I listed above needs to be removed from my personal credit report ASAP!!!!!
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BBVA FINANCIAL CORPORATION (GA)

Dear Federal DIC ( FDIC ) : BBVA, Banco Bilbao Vizcaya Argentaria, Bank ( headquartered in XXXX and XXXX Alabama ) IS NOT IN COMPORTMENT WITH REGULATION E. 

( 1 ) I FILED A DISPUTE on XX/XX/2020 ( SUNDAY ) to facilitate A CHARGEBACK to XXXX XXXX located at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) in the amount of {$840.00} ( {$590.00} directly charged to BBVA debit card ) because XXXX XXXX committed FRAUD AND THEFT BY DECEPTION AND THEN BECAME MENANCING. The XXXX Georgia ( ZONE 2 Cops ) were notified and A POLICE REPORT FILED ( XXXX ). XXXX XXXX and XXXX have been issued a notice to CEASE AND DESIST LETTER for annoying and harassing email and telephone calls. BBVA bank is refusing to issue the REFUND NOR ( AT THE LEAST ) A PROVISIONAL CREDIT TO MY BBVA ACCOUNT PURSUANT TO REGULATION E. I REQUIRE MY MONEY AND ALL STEPS HAVE BEEN TAKEN FOR BBVA TO ISSUE A CREDIT OF {$840.00}. BBVA IS NOT IN COMPORTMENT WITH REGULATION E AND IS REFUSING TO ISSUE A PROVISIONAL CREDIT. I NEED ALL MY MONEY.

( 2 ) BBVA HAS ISSUED THE {$250.00} PROMOTIONAL INCENTIVE. BBVA IS FACILITATING RANDOM ACTS OF FRAUD TO BE COMMITTED ON MY BBVA ACCOUNTS ( WHICH ARE IN EXCELLENT STANDING ) AND I AM ENCOUNTERI
NG THE INCONVENIENCE DUE TO BBVAS LACK OF ACKNOWLEDGEMENT TO UNITED STATES FEDERAL REGULATIONS AND BBVAS INCREDULOUS LACK OF EFFORT IN HOLDING THE CRIMINAL MERCHANTS ACCOUNTABLE. 

Sincerely and Respectfully, XXXX XXXX XXXX  XXXX : XXXX Email : XXXX XXXX
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION (FL)

" The company continues to not provide access to my accounts and accounts have been in the negative and many of my friends and family, and people in the community are having issues and Vystar credit union continues to doing nothing. This has reached the media and nothing is being done. My wife and my direct deposit is not even being received and we have bills to pay.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I checked my Equifax Credit report and found several inquires on the same date that I did not initiate or authorize. I contacted Equifax and during my XXXX hour phone call was advised that they tried to verify the inquiries and could not. 
I advised them that since they could verify the hard inquires they needed to be removed from my credit report. 
even after advising the the inquiries could not be verified, they refused to remove them and stated I needed to file a report with the FTC to have them removed. 
The inquiries were made by the following companies on the same date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also an additional hard inquiry made by XXXXXXXX XXXX that I did not authorize on a different date. 

Equifax is intentionally hindering me and other consumers from correcting inaccurate information on our credit file and it is having direct negative effects on my ability to obtain the credit I deserve by intentionally taking action to negatively affect my consumer credit score. 

Additionally, Equifax is deliberately blocking my ability to retrieve dispute results from their website and not providing me updated credit reports when changes are made due to disputes that are filed.
Consumer complaint received 2022-06-01
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (CO)

My account ( and many others ) have been disconnected from XXXX. I called customer service where an agent told me she could " absolutely help me with that '' and said she needed to verify my info and would be right back. Then she proceeded to place me on a seemingly endless hold. I hung up after XXXX minutes. It appears PNC may be permanently blocking connection to XXXX.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1, We started refinancing for an existing mortgage through Bank of America ( BOA ) since XX/XX/2019. XXXX ( XXXX ) XXXX whose title is Financial Center Lending Officer is responsible for our case since XX/XX/XXXX, she locked the rate with 3.125 with {$5000.00} credit which committed to cover all the closing cost and fees ( appraisal fee etc ) and made commitment to us on XX/XX/XXXX that our case will be closed within 90 days. It was this commitment which made us chose BOA when comparing with other banks at that time. 
2, On XX/XX/2019, XXXX told us the appraisal indicated there is no co-detector in our townhouse which we actually have and it is same with the smog detector. This delayed the process and she even told us there may be a mistake for our appraisal on their side. 
3, On XX/XX/2019, XXXX gave us update that they were just waiting for underwriter for the final approval and our case would be closed soon. 
4, On XX/XX/2019, XXXX told us there was a fraud alert which was her mistake that she didnt fill in my SSN on BOA account. This directly caused our application been canceled by underwriter and she had to redo a new application for us. Till here 90 days has already passed. 
5, On XX/XX/2019, XXXX told us the second application was approved and they were just waiting for the transcripts from IRS. 
6, On XX/XX/2019, when we tried to check the application status with her, she told us she went to vacation and transferred our case to her assistant, XXXX XXXX, whose title is Mortgage Loan Coordinator. 
7, On XX/XX/2019, XXXX asked our permission to pull credit again since the last one was already expired. My credit score has already gone lower because BOA pulled my credit on the 1st time application. Additionally, we send documents again for explanation for co-detector during XX/XX/XXXX to XX/XX/XXXX. 
8, On XX/XX/2019, XXXX told us since the last appraisal has been more than 6 months old, they has to do a value re-cert, then the result shows they need to do another appraisal because of the market value decrease. He said he is working on help us avoid the second appraisal feel, but with no any updates till now. 

Overall we feel XXXX is very careless and irresponsible, which cause a huge loss of our side during the whole refinancing time. If we estimate the regular closing data at approximately 3 months ( from XXXX commitment ), but now 6 months have already passed, we have already lost about {$1800.00} ( {$600.00} * 3 ), and we had very bad experience during the whole time.
Consumer complaint received 2017-10-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX XXXX Property Address ) to M & T Bank. 
In my correspondence ( please see attachment ), I informed M & T Bank that I was making a qualified written request under Section XXXX of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX XXXX : XXXX ) Appraisal XXXX ) Copy of Contract for Deed XXXX ) Copies of Property Inspections XXXX ) Escrow Statements / Annual Accounting Statements XXXX ) Homeowner Insurance Payments Paid by Loan Servicer XXXX ) XXXX Dues and Special Assessments Paid by Loan Servicer XXXX ) Loan Assignments, Loan Servicing Documents, etc. 
XXXX XXXX Foreclosure Notices, Notices to Cure, Acceleration Notices, etc. 
I informed M & T Bank that under Section XXXX of RESPA they were required to acknowledge my request within XXXX business days and that they must try to resolve my issue within XXXX business days. However, I still have not received any type of response.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Bureau, Inc. (OH)

Merchants Credit Bureau, Inc.claims that I owe {$2200.00} that was belong to XXXX XXXX XXXX XXXX , XXXX, a landlord that once I was renting an apartment from. 

Merchants Credit Bureau , Inc sent me a list of maintenance charges that XXXX XXXX XXXX XXXX , XXXX ( their client ) believes that I caused them. 
I don't agree with those maintenance charges and they lack any evidence. 

They have added a collection activity to my credit file and caused my credit score to go down.
Consumer complaint received 2018-10-03
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: TD BANK US HOLDING COMPANY (CA)

My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple creditcards and not paid after I had moved out. These accounts all are not mine.
Consumer complaint received 2017-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I had a " hard inquiry '' placed on my Transunion credit report due to an inquiry I inadvertently made through XXXX XXXX. This inquiry was with XXXX XXXX who I do business with as I have XXXX XXXX XXXX with them. Outside of my error of making an inquiry, I already do business with XXXX XXXX so this mistaken inquiry should not be a hard inquiry damaging my credit. I spent a lot of time on the Transunion website and they do not allow disputes for hard inquiries. 
Can you please help me? 
Thank you.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act XXXX 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 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason ALSO, In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the highest balance is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report