davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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: GOLDMAN SACHS BANK USA (IL)

Filed a dispute for XXXX and XXXX. The company Goldman Sachs can not respond with consistent information I get no or different information each contact Representatives only know how to file a dispute whether I approve or not. I have written a letter had to call for them to tell me they responded. Never got a response before calling. One part the XXXX. XXXX was approved but not the XXXX. Nobody knows what is going on. Also Sent payment told by two reps it would be applied to balance only this didnt happen called no explanation other than Im sorry. This is sad. I have never ever endured this with a credit card company. Their customer service is horrible and inconsistent please get my XXXX refund which they have out on a new payment plan The purchase was made in XXXX of XXXX. I have already paid this. How can one start a payment plan in XXXX for a XXXX purchase. Please assist
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. (MI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX ACCOUNT # 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 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written Instruction 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 conviction of crimes which indicates 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 know or has reasonable cause to believe that the information is inaccurate
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: Experian Information Solutions Inc. (FL)

Please remove unauthorized 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
Consumer complaint received 2022-11-12
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)

When we struggle its often because we can not obtain credit as you people and this particular instance we believed derived from the XXXX breach. in 2018 I received notices og being placed on the dark web.and XXXX 's paid watchdog service told me my information had been leaked on the dark web and not days later did my cards go to default status over the next XXXX. I let all three CRA 's know about XXXX accounts that where completely unbeknownst to me I had filed an FTC Identity thetf. nearly 4 years later I am still sitting here with the same disputed items all related to id theft and Ive wasted 4 yers as a single parent struggling. FCRA laws including rule 605b and [ Codified to 15 U.S .C. 1681 note ] These accounts should be blocked : XXXX {$4600.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX  {$1200.00} :.
Consumer complaint received 2022-11-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (SC)

I have a title loan with Title Max, actually its my third. My issue is that the terms of the loan have been changed. Initially it was my understanding that I had to be 3 months behind for them to repossess my car. Now they are saying I only have to be 1 day late on my payment. I make my payment each month. It may be late but it is paid each month. So how I am harassed and threatened with this almost daily is very upsetting to me.
Consumer complaint received 2022-11-12
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 

XXXX XXXX Inquiry date XX/XX/2022, XXXX XXXX XXXX Inquiry XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/2022XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) Inquiry date XX/XX/2022 2022
Consumer complaint received 2022-11-12
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 

XXXX XXXX Inquiry date XX/XX/2022, XXXX XXXX XXXX Inquiry XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inquiry date XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (NY)

These are fraudulent inquiries I did not make them. THE FOLLOWING INQUIRY WAS NOT AUTHORIZED AND SHOULD NOT BE REPORTING. THESE ARE IN VIOLATION OF 15 USC 1681B. PLEASE DELETE. 

INQUIRY XXXX XXXX XXXX XX/XX/2023 INQUIRY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY -XXXX XXXX appears twice on my report as an inquiry INQUIRY XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXXXX/XX/2023 INQUIRY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRY XXXX XXXX XX/XX/2023 INQUIRY XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XX/XX/XXXX, I pulled a copy of my credit report and noticed Portfolio recovery reporting derogatory information about me. I have never done business with this company before and have no idea who they were, so after a couple months of research on the internet I realize I have been placed on my report in error by the credit reporting agency, so I sent a dispute to the credit reporting agencies in XX/XX/XXXX and they responded letting me know that portfolio said that the account belongs to me and it was reporting accurately. 

At this point I was really confuse, frustrated and angry. I spoke to an acquaintance of mine who told me that there is a law call the fair debt collections practices act and that every third party debt collector like Portfolio Recovery needs to verify the debt once I request verification. 

So on XX/XX/XXXX I sent a letter directly to Portfolio Recovery requesting verification of the debt. 

They responded on XX/XX/XXXX with a templated response along with 2 pages of a XXXX XXXX  statement. I do not know why they sent a XXXXXXXX XXXX statement and don't know where they got such a statement from with my name and address. I do not even every remember having an account with XXXX XXXX. As of time of me filing this complaint. Portfolio is still on the 3 major credit reporting agencies. At this point all Portfolio did was further add to my confusion, frustration and anger. They are causing me a lot of stress and XXXX
Consumer complaint received 2024-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I don't recall having a contractual relationship with this collection company I C SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (OH)

I checked my XXXX credit report and notice a collection from i.c. system inc for the amount of {$250.00} that I didn't authorize. I filed a complaint before and it was removed from my XXXX credit report, but now it have been added to my XXXX credit report I am not liable for this debt with XXXX XXXX. I do not have a contract with I.C. SYSTEM, INC they did not provide me with the original contract as I requested
Consumer complaint received 2022-11-12
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-12
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OH)

I purchased hearing XXXX on XXXX from XXXX XXXX. The cost was {$5800.00}. We were told by the salesman that we had XXXX XXXX XXXX XXXX for the XXXX XXXX with mo interest or added penalties and that we could pay them off in a lump sum at any time within the 12 months. 
We decided to pay them off on XXXX. 
We called Synchrony XXXX XXXX and were told we now owed {$5800.00} because we had not been making monthly payments. I used my credit card. The transaction did not go through because it was such a large amount and our bank suspected fraud. We reassured the banker that this was a legitimate transaction. 
We immediately called Synchrony XXXX XXXX right back to complete the transaction, at which time we were told that the cost of the XXXX XXXX was now {$5800.00} because a {$25.00} penalty had been applied to the price in the last 15 minutes. 
We were on the phone with XXXX for an hour complaining about the extra {$25.00} but to no avail. 
We finally just paid the {$5800.00} to be done with this shady organization. 
This bank and credit company is a nightmare!
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX I spoke with XXXX a Bank of America Supervisor regarding not being able to obtain bank statements. After searching all possible identification options, XXXX informed me that there were 12 accounts in my name created in XXXX the year I was born. I was instructed to continue checking in order to get the accounts transferred. I notified XXXX that I could not do so online because the online access tells me I need to be verified inside any branch. I have verified inside the branch six times. Each time the holds are cleared, I am told to open an account online. Each time I attempt my account gets locked via social security number. I am being given the run around and I am very upset.
Consumer complaint received 2022-11-12
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 applied for an account on XX/XX/XXXX and was denied but didn't know why since I have never applied for credit. I pulled my credit reports to see what was causing me to be denied and found my dad 's name on my reports along with his addresses. I also found 2 collection accounts that do not belong to me, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account in the amount of {$660.00} appears to have been opened in XXXX at which time I was still a minor and only XXXX XXXX XXXX. Also Account Services ( XXXX XXXX XXXX ) in the amount of {$250.00}, I am not sure when this account was opened. XXXX is listed as an employer that I have never worked for and the last 4 of my SSN is also showing incorrectly. 

I have also filed a report with identitytheft.gov
Consumer complaint received 2018-02-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Metropolitan Title, LLC (OH)

The proceeds of the sale of my deceased mothers home are held in Escrow at Metropolitan Title , LLC [ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ] since the close of the sale on XX/XX/XXXX. At that time I was given a settlement statement. 
Issue # 1 : The estate is still in probate and has not been closed. Because the money in escrow belongs to the estate there are accounting 's that are filed with the Commissioner of  Accounts. Prior to the first accounting which was due on XX/XX/XXXX, XXXX XXXX had been contacted by both myself and the estate attorney on multiple occasions asking for an updated statement with a current balance. Such statement was never produced and the accounting was filed to the Commissioner of Accounts without the necessary paperwork. 
A second accounting is due to the Commissioner of Accounts on XX/XX/XXXX. I have both emailed and spoken with XXXX XXXX XXXX and his staff. He agreed over the phone to send a statement to the Estate Attorney. The contact information to do so was emailed to him immediately after the phone call. Two weeks have passed since, and to date no such document has been received.

Issue # 2 : The proceeds of the sale of the decedents property have been held with Metropolitan Title for a considerable time. There are three joint administrators of the Estate who could not reach an agreement on how to disperse the funds. From my very first phone call with XXXX XXXX back in XX/XX/XXXX he has stated that if the money had not been taken out of Escrow within 1-2 months he would inter-plead the case and it would go to court for a judge to decide. This threat of the case to go before a judge has been reiterated numerous times over the past 18 months with no action taken. On XX/XX/XXXX the estates 3 administrators reached an agreement regarding the release of the funds. XXXX XXXX was immediately notified and by email given names, addresses and phone number of each of the three administrators. Two weeks have passed since this time with no word from Metropolitan Title.
Consumer complaint received 2019-12-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (NY)

XXXX XXXX foreclosed on my property, they were granted foreclosure due to my attorney XXXX XXXX. in XXXX NY neglected to perfect a response for 10 months. 
I entered into a modification agreement with XXXX XXXX whom XXXX transferred the foreclosure summary to. 
I honored the agreement and have made 7 payments on time. there was {$2.00} shortfall on one payment due to bank error on a check for {$2500.00}. FCI lender services over charged my account {$160.00} for that. Also, if FCI Lender services had the proper licensing from servicing my mortgage from 2015. 
I have yet to receive a executed Modification agreement or removal of lis pends on my home.. 
Further a QWR was requested over 30 days ago, I have yet to receive proper information
Consumer complaint received 2022-11-12
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 applied for an account on XX/XX/XXXX and was denied but didn't know why since I have never applied for credit. I pulled my credit reports to see what was causing me to be denied and found my dad 's name on my reports along with his addresses. I also found 2 collection accounts that do not belong to me, XXXX XXXXXXXX XXXX XXXX XXXX XXXX account in the amount of {$660.00} appears to have been opened in XXXX at which time I was still a minor and only XXXX XXXX XXXX. Also Account Services ( XXXX XXXX XXXX ) in the amount of {$250.00}, I am not sure when this account was opened. XXXX is listed as an employer that I have never worked for and the last 4 of my SSN is also showing incorrectly. 

I have also filed a report with identitytheft.gov
Consumer complaint received 2022-11-12
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. (GA)

This is XXXX XXXX and I am submitting another CFPB complaint once again. Again, I was a victim of identity theft and this is my sixth CFPB complaint trying to request to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX, the date of the dispute letter I recently sent. Ive already included this report in my previous CFPB complaints & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Bureaus if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your FINAL WARNING. Please REMOVE the ACCOUNTS resulting from alleged identity theft. Here is the list of accounts that should be removed as soon as possible : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$86000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

These XXXX  cards are declined online I call AMEX customer service and they can not offer XXXX XXXX resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer XXXX XXXX to a physical card. They can not offer me a XXXX. 

They falsely advertise that their gift cards can be used XXXX  that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card. My money is inaccessible.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch (GA)

I was told by a representative at XXXX that if I pay the money owed in full for both accounts, they would delete the accounts completely from my credit report in 30 days. I paid the company in full for the account in certified funds on XX/XX/2024 and the accounts still appear on my credit report. After they made an agreement with me that they would delete the accounts from my credit profile.