davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: GOLDMAN SACHS BANK USA (LA)

I took out a loan with XXXX XXXX on XX/XX/2022 to pay off high interest XXXX XXXX XXXX Credit card in the amount of {$4600.00}. XXXX XXXX XXXX card switched to Marcus : by Goldman Sachs XXXX XXXX. The account number ending in XXXX was paid on XX/XX/2022 by XXXX XXXX bank for XXXX XXXX by electronic transfer. Trace # XXXX. Time was XXXX AM. Originator Info : XXXX ID XXXX, Originator Merchant ID : XXXX. Originator Name is XXXX XXXXXXXX XXXX. Telephone # XXXX, Email address XXXX. Merchant name XXXX XXXX, XXXX. Concentrator Name XXXX XXXX XXXX. Email : XXXX.
Consumer complaint received 2019-07-13
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. (MI)

I am so beyond tired of this. I never opened a credit card since I was XXXX. Both cards were closed. When I was in high school, I lived with m aunt XXXX XXXX XXXX XXXX XXXX XXXX XXXX while my mom worked in XXXX. A XXXX credit card was opened in my name, XXXX XXXX XXXX cards were opened in my name. A XXXX gas card was opened in my name. A XXXX XXXX card was opened in my name. A XXXX ' card was opened in my name. A XXXX master card was opened in my name. A XXXX XXXX XXXX XXXX was opened in my name. They were all maxed out. I was an innocent XXXX year-old. XXXX continued to wait until the XXXX of my XXXX. She opened an American Express card in his and my name ( because he was XXXX  and I was alive. ) She opened a XXXX and opened a XXXX bank in my grandmother 's name. XXXX has been visiting XXXX XXXX to obtain these cards and XXXX them out. She even flew to XXXX XXXX XXXX to steal an outdated check from my grandfather for {$3000.00}. It it is video, she claimed to be cosigner. I graduated college and am done with this XXXX. Please HELP!!
Consumer complaint received 2019-07-13
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: CITIBANK, N.A. (MI)

I am so beyond tired of this. I never opened a credit card since I was XXXX. Both cards were closed. When I was in high school, I lived with m aunt XXXX ( XXXX ) XXXX XXXX XXXX while my mom worked in China. A XXXX credit card was opened in my name, three XXXX XXXX  cards were opened in my name. A XXXX gas card was opened in my name. A XXXX XXXX card was opened in my name. A Macy ' card was opened in my name. A XXXX master card was opened in my name. A XXXX XXXX Master Card was opened in my name. They were all maxed out. I was an innocent XXXX XXXX. XXXX continued to wait until the death of my grandfather. She opened an XXXX XXXX card in his and my name ( because he was dead and I was alive. ) She opened a XXXX and opened a XXXX XXXX in my grandmother 's name. XXXX has been visiting XXXX XXXX to obtain these cards and max them out. She even flew to XXXX XXXX XXXX to steal an outdated check from my grandfather for {$3000.00}. It it is video, she claimed to be cosigner. I graduated college and am done with this XXXX. Please HELP!!
Consumer complaint received 2022-08-27
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. (CA)

I started a home buying journey early XXXX and noticed inaccurate and invalid information on my credit report. I have requested The companies to validate or remove this items from my report since as early as XXXX of XXXX.These companies have refused to do so in over a year!!

I find this act as 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character. I have not received any response back on this matter. This issue has affected me purchasing a home and my good name. The item is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  Per the Law ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! 

( Apple, Goldman Sachs Bank ) ( XXXX ) ( XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person
making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.

Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 



Respectfully, XXXX XXXX
Consumer complaint received 2022-07-20
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. (MO)

This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 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 2019-07-13
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: TD BANK US HOLDING COMPANY (FL)

Hard Incuries were reportedto my credit report without my authorization or knowledge. The customer service would not help take care of the negative inquiries reporting on my credit report.
Consumer complaint received 2020-02-05
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. (GA)

XXXX had a collection account for XXXX XXXX for my son ( account number XXXX ). I am XXXX XXXX XXXX. Even though this was not my liability, I paid the collection. But I disputed it with the three bureaus explaining that it was not my account..NOT MY LIABILITY and that I wanted it removed from my file. 

XXXX  and XXXX XXXX complied and removed the item. Experian has left it on my file. It should have never been on there to start with
Consumer complaint received 2019-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

On XX/XX/19 I received notice that my homeowner 's insurance has not been paid. I forwarded the notice to my mortgage company for payment and nothing has been done to date. 
Today I received notice from the mortgage company that since my policy is going to be cancelled they will provide insurance for me at a higher rate. 
I have an escrow account with the mortgage company and they have failed to make prompt insurance payment.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I obtained a title installment loan from XXXX in XXXX and paid the loan off in XXXX. I contacted XXXX in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.
Consumer complaint received 2019-01-22
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. (TN)

I am writing this due to non-compliance with ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past .I strongly believe that they are in violation of the FCRA pursuant to section 605 B and are outright refusing to uphold the law.
Consumer complaint received 2020-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

I had my loan transferred in XXXX to the new company Rushmorelm, after a year of having them suddenly in XXXX my payments started going up, everytime I've called and spoken with someone they have said that it's my insurance or property taxes that have gone up. Which I have contacted them both and nothing has changed but a few dollars, and they have raised my payments over 50 dollars a month which would not account for any of that. I recently spoke with someone from their company that told me the same thing then looked at my payment history and told me it was my escrow that when they received the loan it was negative which is untrue from the documents he sent me, from what I can tell they added hazard insurance on our account for XXXX a year which raised it even though we have homeowners insurance and an FHA loan which I thought meant everything was included in our mortgage payment and it is fixed. We have never cancelled our insurance so why would they force that upon us.
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

I called IQ Data International Collection company on  Friday XX/XX/2019 regarding a payoff letter for my lender. 

1. I was told that I had to provide a debit card number, expiration date and CVV in order to have my payoff letter " Generated '' - I hesitantly allowed them to use the card that was apparently already on file, though I personally never once gave them my debit card nor did I ever authorize them to have that. 

2. I have since called back today, XX/XX/2019, as I have not received that payoff letter. The woman I spoke to was able to verify my email address and a comment about how someone was scheduled to send that ( which means they lied, they told me it was already sent during the first phone call ). So I asked if she could resend that. she refused. I asked her who could, She said her boss could but that he wasn't around. 

This is preventing me from buying a mortgage. My closing date is XX/XX/2019.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My account was always paid on time and I would receive 30 day late payments or more sometimes and never understood why. I asked for a credit increase and everything went south from there. My account was closed without my knowledge XXXX of 2023 and I'm still being charged on my credit report.
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX I discovered an unopened envelope from my mortgage Servicer. 

It contained an escrow overage refund check of {$1000.00}. The check expired 180 days after issuance, which was XX/XX/XXXX. 

I immediately contacted my mortgage servicer, Select Portfolio Services for re-issuance of the check. On XX/XX/XXXX, I spoke with XXXX. He said it would take up to 60 days for my to receive a new check. I e-mailed a copy of the voided check to them on XX/XX/XXXX. 

I followed up on XX/XX/XXXX and spoke with XXXX who said it was still being processed. 
I followed up on XX/XX/XXXX, spoke to XXXX who said nothing was done yet, then spoke to manager XXXX who said she would escalate. 
I followed up XX/XX/XXXX, spoke with XXXX who said it would be done within 10 days, nothing. 
I followed up on XXXX, spoke with XXXX who transferred me to the ombudsman Dept. I left a message. 
I followed up with ombudsman Dept on XXXX, XXXX said going to check into it. 
I followed up on XX/XX/XXXX and spoke to XXXX, no update I LMTC on XX/XX/XXXX I followed up on XX/XX/XXXX, XXXX said no update I followed up on XX/XX/XXXX XXXX said waiting on escrow LMTC XX/XX/XXXX. no response
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I've tried to get my free report from Equifax and they keep saying my information doesn't match their records. This is probably due to the fraudulent information that's being reported about me to them.
Consumer complaint received 2021-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (WA)

On XX/XX/XXXX CommonWealth Financial Systems presented me with a letter via mail, about a debt in the amount of {$270.00} for a medical debt with the original creditor being XXXX XXXX XXXX, original acc # **********-****XXXX. They advised me that my account had been placed with them for collection and to remit payment. I remitted a payment in the amount of {$190.00}, a discounted amount offered in the letter to resolve this account. A account that had been held by XXXX  XXXX XXXX ( XXXX ), a debt collection agency. However, Account Resolution Services was contacted after this was paid through XXXXommonWealth Financial Systems ( paid on XX/XX/XXXX ), and they disclosed that this particular account, On XX/XX/XXXX, the business XXXX, provided the following information : " We have reviewed our records in this matter, and find the following. XXXX XXXX XXXX XXXX has had three accounts placed with us by our client, XXXX XXXX XXXX, XXXX. XXXX number XXXX for a balance of {$240.00} and reference number XXXX for a balance of {$270.00} were recalled from our office by our client, those accounts were deleted from the consumer 's credit report at the time of closure. Our office does still have one active account for the consumer. Reference number XXXX for a balance of {$260.00} for services rendered on XX/XX/XXXX remains with us. '' Thus, I was contacted by CommonWealth Financial Systems fraudulently, in a successful attempt ( as I paid what they asked ) to collect on debt that no longer existed. I reached out to CommonWealth Financial Systems and was sent a letter by them, showing they had been paid, and this debt was no longer due. I would like to report this company for their fraud.
Consumer complaint received 2019-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (WA)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. XXXX of these was : Diversified Consultants The address listed on the credit report is : XXXX XXXX XXXX XXXX, FL XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and Diversified Consultants have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve
Consumer complaint received 2019-09-17
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services (GA)

This debt collector has called my job over 20 time. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are just some of the days I have written down.I have asked them and told them to stop calling my job in concerns to this matter and to call my personal number instead. Her name is XXXX and she has cures out my boss when she asked her to stop. My boss is now taking lawful action.
Consumer complaint received 2020-02-14
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: EQUIFAX, INC. (MI)

I have a mortgage with XXXX XXXX starting XX/XX/2019 for a condo in XXXX. I set Autopay for each month payment. Two weeks ago, I am purchasing a condo in XXXX and start applying for a mortgage. They got a credit report and showed I have late payment in XXXX XXXX account. I immediately called XXXX XXXX to request a statement that a mistake was made in my account. They said it will take up to 1 month for them to process my request. I told them this is not acceptable at all. I called them many times and they ignored my request. 
I don't want to lose the condo that we love very much just because of XXXX XXXX was making big mistake in my account.