davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX but it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (UT)

On XX/XX/2024 I ordered a bunk bed for my XXXX XXXX XXXX XXXX. I assembled the bed a few weeks after. The moment I placed the top bed over the bottom, the frame for the bottom bed split in one corner of the bed making it unsafe for my XXXX 

When I contacted the merchant XXXX about what happened, they advised me that it's past 30 days and can not accept a return.
Consumer complaint received 2020-03-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX my vehicle was repossessed after being late 6-7 times in over 3 years. Payment was made on the loan in XX/XX/XXXX and the Lender was contacted to confirm the status of the loan. Per the Lender my vehicle was repossessed after 72 days of being late, although I had made payment on XX/XX/XXXX and arrangement to make additional payments to become current. 

Just prior to the issues I made contact with the Lender in XX/XX/XXXX and XX/XX/XXXX to discuss a temporary employment issue that I was experiencing and make payment. I advised that my financial issues were temporary and requested my loan be adjusted to allow me to catch up on the late payments. I was advised at that time I did not qualify. The Representative was also asked if I was in any danger of repossession and I was advised that I was not, however I was 53 days past due. 

On the date of repossession I placed a call to the Lender to discuss what had occurred and find out the amount needed to recover my vehicle and find out why my vehicle had been taken. The Representative asked a series of questions and when I was asked why I had been late 6-7 times. I advised her that work had become slow and a temporary lay-off, this caused me to be late. Additionally, I was asked to provide a reason about late payment dates over a year ago and when I advised her that I could not recall what occurred over a year ago, the Representative advised me that I did not qualify for recovery and needed to pay the entire loan balance in the amount of + $ 20k, because I could not answer her questions. When she was advised that I do not understand why they were demanding a full payment the Representative stated, " Well since you do not know why your were late and could not answer my questions, you will need to pay the full amount. '' The Representative refused to except my source of income information, indicating that there was nothing that could be done because I just did not qualify. 

When I asked to speak with a Supervisor I was advised that none were available and that someone would call me back. I never received a call back. I subsequently called back several times and was advised by various representatives that the determination had been made and I would not be able to recover the vehicle without full payment. 

As I further reviewed the account it was discovered that my principal balance never decreased and that the daily interest rate calculated when payments were late absorbed the payments made over the course of years. The principal balance decreased. The interest rates were predatory and the charges were not fully disclosed, without explanation from the Lender. The loan origination amount was {$20000.00} with the current balance at this time being {$20000.00}. This would appear that only {$220.00} applied to the purchase of the vehicle in 39 months.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (NY)

I want to file a complaint against Marcus by Goldman Sach. in XX/XX/2023 I received a promotional offer from Goldman, it said if I open a new savings account and deposit {$100000.00} and stay there for 90 days, I would get a {$100.00} bonus, I opened one on XXXX XXXX and deposited {$10000.00} into the account and has been staying there until now ( more than 90 days ), but so far I haven't seen any bonus deposited into my account, I have complained a few times to Goldman in the last 10 days but they still refused to honor the promotion
Consumer complaint received 2020-03-09
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. (GA)

I pulled my credit to myself because I was alerted by my social security card stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$640.00} XXXX/XXXX  XXXX {$590.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$300.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit to myself because I was alerted by my social security card stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$640.00} XXXX/XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$300.00} BANKRUPTCY   CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-09
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. (FL)

I can not identify the following information appearing on my credit report : XXXX XXXX XXXX Type of Industry : Other Collection Agencies Account Number : XXXX Address:XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone Number : ( undefined ) undefined
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inaccuracy # 1- The account numbers do not match. Transunion and XXXX is reporting XXXX and XXXX is reporting XXXX. An account number is Identified by a specific number and there can only be one and it has to be completely correct. 

Inaccuracy # 2- The date of last activity does not match across the credit bureaus. Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of last activity determines the date of delinquency which also determines how long a collections can be on your credit. A collection account can only be on your credit report for 7 years and if this number is inaccurate that time can not accurately be determined. This also affects how long a consumer can be sued by a debt collector. The statute of limitations in Texas is 4 years and this needs to be completely accurate. 

Inaccuracy # 3- The open date does not match across the credit bureaus. Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. These dates must all match and be the same. 

Inaccuracy # 4- The last payment dates do not match across the credit bureaus. Transunion is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The last payment date is also important in determining the date of delinquency. 

Inaccuracy # 5- The credit limit is reporting at {$500.00}, but the high balance is reporting at XXXX. Is is illegal to add fees to a collection. There was also never a break down of how this this balance was calculated. 

Other inaccuracies and violations include the account number being altered on XXXX. In XX/XX/XXXX the account number was : XXXX and in XX/XX/XXXX the account number is : XXXX. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information.
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates (GA)

I lost my wallet in XXXX someone was using my ID I also went to XXXX  because they had bills in my name in debt in my name they have all the phone and use my name for XXXX XXXX  and other stuff
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (NJ)

On XX/XX/year> I noticed my Avant credit account was paid in full. I did not pay off my account call Advant credit card told them. On XX/XX/year> they backed out the payment and my account was correct and they locked my account. I called them they said that my account was locked do to an investigation. I said ok the said a couple days should be good. called back again told a few more days. waited then called back again was told I had to send them my a picture of social security card over the internet I said I would not do it. I asked to speak to a supervisor they said to busy would call me back I waited a week, call back again asked to speak to their fraud dept They transferred me only to be told that customer service could help me was switched over to them they told me to send an email to them and my account would be unlocked. Did that they sent me an email saying that if I call customer service they could help me. I called customer service told this person the same story was put on hold she came back this time and told me my account was locked and under review and would take 90 days.I find it strange that if i sent them my SS card they could fix it .But i refused and now its 90 days. I believe that this credit card company or their workers are scamming the public while I keep paying my credit card with no use of it. 

Thank you XXXX XXXX
Consumer complaint received 2023-02-09
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. (OH)

On or around XX/XX/XXXX or so, I started reviewing my credit report and have noticed I am a victim of Identity Theft. Many furnishers reported my private and personal information to the credit bureaus without my consent. I have also been studying the law to understand my federally protected consumer rights. Pursuant to 15 USC 1681C-2. The Credit Reporting Agencies XXXX XXXX, Equifax, and XXXX ), are required by law to block fraudulent information within 4 business days and to promptly notify the furnisher.

I am seeking assistance from the CFPB to assist in this matter to have these items removed from my credit report.
Consumer complaint received 2020-03-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX has filed a law suit against me on behalf of Midland who stated they are collecting for XXXX  card ending in XXXX which was charged off back in 2014 ... and I believe is out of statute of limitations. I contacted XXXX  who stated they are NOT trying to collect on this account and to contact Midland. Midland started settlement negotiations when law suit was dropped off at my house and handed to my minor child ... I contacted XXXX XXXX whom I told that serving a minor child of mine was not a good service, and they told me to ignore the summons because they would serve me again. This never happened and last week I received their request for judgement be entered in my name and filed with the court .... This is taking advantage of my lack of legal knowledge. Intentionally telling me NOT to respond to the suit ... NOT providing me with details and NOT answering to my request to validate and prove the account should be punishable by law ... this is not a fair consumer treatment ... please help
Consumer complaint received 2023-02-12
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. (IL)

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Actions Hard Inquiry 15 U.SC 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 the 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 2020-03-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (VA)

My wife at the time, in 2011 had a car financed through Santandor. We made made payments on time when we were together. We ended up getting separated and divorced. She kept the car but she missed 14 payments payments during this time. She finally paid the car off now the account says paid/closed on it. I signed the title completely to her. Can I get my name off this account and get it removed off my credit report.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (NC)

Hello this company has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX XXXX XXXX XX/XX/2021 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-12-17
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. (NY)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-03-09
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: EQUIFAX, INC. (DE)

In XX/XX/2020, I submitted a identity theft report to Equifax in reference to several accounts that were not mine. All of the accounts were removed from my report. On XX/XX/2020 Equifax reinserted account number XXXX XXXX XXXX XXXX XXXX back on to my credit report. On XX/XX/XXXX, I mailed Equifax a letter requesting the removal of the account due to the fact that Equifax had not submitted, in writing to me within the required 5 days that the account was reinserted as required by the FCRA. Equifax received the letter of XXXX XXXX. Equifax then changed the report date again to XX/XX/2020 to account for the missing 5 days. On XXXX XXXX i then received a letter from Equifax dated XXXX XXXX which would still violate the 5 day rule as it states that I was to RECEIVE a letter of notification WITHIN 5 days, not dated within 5 days. As of today, Equifax has not removed the account as they are in direct violation of the FCRA guidelines and I am demanding that the account be removed. All supporting documents are attached.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2020-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/2020. 
Initial Question/Comment : I have been on hold for two hours to my bank Regions, regarding releasing a hold on my account.. I have called back after being cut off and on call again. How can I remain on hold for half a day? How can this be allowed in a so called first world country. This is absurd! 
After numerous calls and getting nowhere, I finally got a agent who suggested going to a branch to try to resolve the issue, as she could do no more than to send me back to hold again for XXXX knows how long again.
Consumer complaint received 2020-03-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synergetic Communication Inc (MI)

This company is leaving harassing messages saying they will arrest me at my place of employment or home if I do not comply with them. They have contacted various family members leaving the same message with them for me. The company is trying to collect on an old debt where the statues of limitations have expired for them to collect through a law suit. In 2019  they contacted me and I asked them to stop. I am afraid if I contact them again they may try and bully me or trick me into something.
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

SUNRISE CREDIT SERVICES IS STILL TRYING TO COLLECT ON A DEBT THAT THEY DID NOT VALIDATE WITHIN THE 30 DAY TIME PERIOD AS PRE FCRA LAWS IN WHICH I REQUESTED VALIDATION BE SENT WITHIN 30 DAYS FROM THE RECEIPT OF RECEIVED MAIL WHICH WAS EXPRESS MAILED NEXT DAY SERVICE XX/XX/2020 AND RECEIVED XX/XX/2020. TODAY XX/XX/2020 I RECEIVED A LETTER OF VERIFICATION NOT VALIDATION OF DEBT.
Consumer complaint received 2021-03-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank : Primary Mortgage and HELOC XXXX is trying to refinance the Primary Mortgage In order to proceed, a subordination agreement for HELOC with TD Bank is required TD has ( presumably deliberately ) dragged and mishandled the process for 3 months. 

This is costing thousands in rate lock maintenance and higher than market mortgage rate being paid to TD Bank vs. the proposed new mortgage
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was contacted today regarding an open account from XXXX by someone representing Bank of America. They have my info but I do not recall opening an account back in XXXX. It is now XXXX and the statue of limitations in the State of New Jersey has already expired. I would like Bank of America to stop calling me my spouse and my employer for this old fraudulent account