davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (SC)

My Credit card ( XXXX ) was recently transferred from XXXX  XXXX to XXXX by Goldman Sachs on XX/XX/XXXX. I have received a letter to create a new online account to view my info, however after making the account login it requires I get a 6 digit code to access my account online. I can never get that 6 digit account. Spent hours on XX/XX/XXXX trying to call and got hung up, transferred and even cussed out. Tried contacting via XXXX and have copied my ordeal on there for others to read.? Latest I heard from an XXXX XXXX that my email will not work ( I used it for XXXX XXXX, and every other bill/membership etc I have ). She stated I needed a XXXX account. So I created one ... .still can not get access. I have called at least every other day asking for help ... no changes. Made a XXXX XXXX on XX/XX/XXXX at XXXX at night with XXXX who said it would be answered in 10 days ... .no response. I have asked for management... they refuse customer access. I need my info to do my taxes, this is killing my nerves.
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

On XX/XX/XXXX, I submitted applications to refinance mortgages on two homes to Vault Mortgage XXXX based on representations by one of their lead agents, XXXX XXXX ( NMLS # XXXX ). XXXX and his associate, XXXX XXXX ( NMLS ID : XXXX ), were vehement that they would be able to fund the loans based on asset depletion since I am retired. They convinced me they could fund the loans because they could place the loans with their parent company, American Pacific Mortgage XXXX. AmPac is not a bank and not bound by banking regulations/limitations on loans, so they said. 
At first, it appeared that they were processing the application. Because of their delays, updated supporting documents had to be resubmitted on XX/XX/XXXX. Again, it appeared some action was happening, but no. On XX/XX/XXXX, applications and documents had to be submitted again. Still no approvals even though XXXX continually claimed that he could complete the refi 's. At his and his associate 's urging, they ordered appraisals for which I was charged {XXXX} and {XXXX} for my home and investment property on XX/XX/XXXX and XX/XX/XXXX, respectively. ( As a side note : the quote for the investment property was {XXXX} and I was promised a {XXXX} at closing. ) Later in the process, it appeared that XXXX and his associate were trying to process my loans using the traditional income method ( not asset depletion ). I insisted that was not viable and that they had promised they could successfully refi the mortgages using asset depletion. They continued to reassure me that they could refi the mortgages. 
Throughout, I was provided quotes for both loans and asked to choose. Updated applications were submitted as requested by XXXX and his associate through XX/XX/XXXX. At that time, I was again assured that with the revised thresholds for conventional vs jumbo loans, I was sure to get approved. 
Then all went silent. After almost three months of no contact, on XX/XX/XXXX via email, I requested reimbursement for the appraisal costs totally {XXXX} since the costs were incurred under false representations. They have not answered the email. 
I feel defrauded. They should not have asked me to incur the costs until their underwriter required the appraisals for confirmation of values. ( As a side note : the loan-to-value ratios were approximately 25 % and 40 %- clearly sufficient equity. ) It is not like the underwriter should have any doubts about value. The Vault Mortgage XXXX offices are in the same zip code as both my properties. My single family homes are in a prestigious area of XXXX XXXX XXXX and they are/should be very familiar with the area. 
Reading more current online reviews, it appears that other individuals have had the all talk, no action results that I encountered. 
I hope you are able to get them to reimburse my out-of-pocket costs and get them to improve their practices to not deceive customers and not have customers incur charges needlessly.
Consumer complaint received 2022-07-08
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. (FL)

I received alerts on my credit report. When I check my report I don't recognize the listed inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-06
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. (OK)

I have submitted several disputes regarding the below inquires. I have reported to XXXX, Experian and XXXX that I have no knowledge of these inquires and need them removed ASAP but this hasn't been done. I have also mailed several letters and have reported to the Oklahoma Attorney General office that these need removed. I have no idea why these hard inquires on my credit report! I need these removed ASAP per the law. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (LA)

Yesterday, as of this writing, I attempted to access my Coinbase Account ( it is the standard account, not pro, or any other special name ) where upon entering my credentials I was prompted with a " new '' user agreement, and an account upgrade, both of which I declined. From then on I've been unable to access my account or manage my funds in any way. There should have been notice of this locking out of the account. I had no indication that I would not be able to access my funds without agreeing. I've contacted Coinbase about this, but in the mean time this company is keeping me from making decisions about the funds that I've entrusted them to hold.
Consumer complaint received 2022-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

HYAT, HAYT, & LANDAU, P.L., a third-party debt collector violated my right to privacy by illegally obtaining my location information, sending me a debt collection notice alleging that I owe a debt whereas a debt collector can not make such, and identifying themselves as a debt collector but falsely misrepresenting the communication as being from an attorney. I did not provide them my location information and they did not have consent to contact me in reference to the collection of an alleged debt.
Consumer complaint received 2018-08-12
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX placed an inquiry on my Experian credit file dated On XX/XX/2018 without a " permissible purpose and this needs to be removed
Consumer complaint received 2018-08-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (PA)

This collection i'm asking you to remove from my account that is {$1300.00} from DIVERSIFIED CONSULTANTS that has been re opened 2 months ago when i want this removed from collections my credit is already bad i dont need it any worse im asking to please remove this from my collections account im trying to apply for a credit card with all these collections and hard inquiries.i cant go no where with out these things gone
Consumer complaint received 2020-12-16
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME THE ACCOUNTS ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XXXX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, DPT ED : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 th
e information is inaccurate.
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MD)

I have secured credit card from XXXX XXXX XXXX serviced by Elan Financial Services. Made ACH payments to pay credit card payment. The lates were caused by error on behalf of XXXX XXXX XXXX.
Consumer complaint received 2018-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc. (UT)

Withdrawal money joint account ( Husband and I ) from XXXX XXXX XXXX XXXX {$7000.00} ( lost receipt around this figure ) I believe that happen in XX/XX/2018 at XXXX XXXX XXXX XXXX, UT XXXX. I showed up with my identity photo id that they required.i cant speak XXXX very well, i cant drive, i  was staying brother house with my XXXX kids as guest because i don't have a place to live.all of sudden my brother received a letter from N.A.R. inc.for collection .XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX that i owed money {$1500.00} from XXXX XXXX XXXX XXXX which i never aware of that. 
1. I never take a loan from them 2. they done something mistake they are trying to collects from me.

3. they giving hassle my brother sending those kind of letter and my information which they are not supposed to.

4. i never owe money from them i withdrawal money from our joint account.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}
Consumer complaint received 2022-03-09
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. (MI)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}
Consumer complaint received 2018-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX has been harassing me for payments for almost a year when the account has already been paid & closed for years. 

- Many years ago I worked with XXXX XXXX XXXX  to clear up my credit card debt and payed everything off in XXXX. 
- Last year ( XXXX ) I started getting letters from XXXX XXXX XXXX stating that one of the accounts was sent to them from Citibank because it wasn't paid. I disputed this claim but denied the dispute they continued to ask for payment. 
- Then I reached out to XXXX XXXX XXXX and they gave me statements to send XXXX XXXX XXXX people to dispute this debt again and I did but they denied the dispute again. 
- And then I reached out to XXXX XXXX XXXX AGAIN and this time they gave me copies of the all paid checks that Citibank deposited in XXXX. Showing hard core proof this was resolved. I submitted another dispute to XXXX XXXX XXXX and sent them the check copies and ... surprise, surprise ... they denied the dispute again. 
- And then ... I reached out to XXXX XXXX XXXX again and they suggested I clear this up with Citibank since they were the ones who accepted the payments. 
- And then ... I reached out to Citibank but said they couldn't help me because my account was sent to XXXX XXXX for collections and had no more records of my account after that it was sent to collections. Dead end there. 
- So then ... I reached out to XXXX XXXX XXXX and they suspected XXXX XXXX was doing something shady and said I should make a formal complaint with you, Consumer Finance to clear this up. 

PLEASE HELP! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (TX)

I have filed several complaints with CFPB, and now there is another debt collection agency trying to collect for the same invalid debt. This company is called XXXX XXXX XXXX XXXX. I have not gotten a tax refund since XX/XX/XXXX, because XXXX and the Department of education have been keeping my refund every year. I had a {$2500.00} loan in XX/XX/XXXX, and it was discharged because the school closed due to improper record keeping and faulty aka fraudulent student loans the school was conning students into signing. In XX/XX/XXXX I was part of the class action suit against XXXX XXXX. None of these debts have EVER been on my credit report, and the XXXX XXXX was so old it's has long ago since been removed from reports. All of this fraudulent student loan stuff with the debt collectors &  whatnot started in XX/XX/XXXX, right after Trump took office. I have documentation of every phone call ie : dates, times, names, etc since it started. I also have added up the amount of money taken from me from my tax refunds over the years and it adds up to a bit over {$10000.00}. I want my money back that has basically been stolen/embezzled from my tax returns for the past decade. I am more than willing to provide any info or documentation needed. 11 years for a charged off to begin with {$2500.00} debt from XX/XX/XXXX is XXXX.
Consumer complaint received 2022-02-06
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. (NY)

I had 11 accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through XXXX  XXXX service. XXXX listed the 11 accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my credit score and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX  XXXX, and all credit bureaus and it continues to report
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I had 11 accounts from XXXX through XXXX student loan service. I have experienced financial hardship and had to consolidate my loans in XXXX. At that time my loans were serviced through XXXX  XXXX service. XXXX listed the 11 accounts as paid in full and the accounts as being closed, however they are still reporting on my credit report to date which is currently affecting my credit score and showing negatively on my report when it the accounts are supposed to be closed. Ive reach out to XXXX and they have no knowledge of my account. I have filed a dispute with XXXX XXXXXXXX, and all credit bureaus and it continues to report
Consumer complaint received 2021-06-09
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. (NM)

I'M HAVING ALL KINDS OF PROBLEMS GETTING THE CREDIT BUREAUS TO CORRECT ERRORS REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2018-08-12
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. (NJ)

I am writting thid due to non-comliance with the CRA [ EQUIFAX ] They have failed to remove, update information that was inacctuare, incomplete reporting that had been challenge in the pass I strongly believe that they are in Violation of the FCRA and are outright refusing to uphold the Law
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

They keep reporting me late for XXXX of 2016. Account is paid in full and closed. I was never late. This lowered my score and I'm unable to get employment because I have poor credit. 
They need to provide me with proof for that year and month that was late supposedly and they need to remove lateness so I can get a job.
Consumer complaint received 2018-08-12
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: Experian Information Solutions Inc. (VA)

I want to know specifically why Experian dropped my credit score by 56 points in one month ( XXXX to XX/XX/2018 ). I particularly want to know how this scoring factor works : " Open real estate account balances are too high compared to their loan amounts. '' Does this mean that I'm not paying off my mortgage loan fast enough? I've never heard of such a scoring factor before. If Experian is essentially requiring consumers to pay their mortgages faster than required, that is outrageous and should not be allowed. I called Experian on XX/XX/18, but they could or would not answer any questions about scoring factors. Nothing in my credit situation has changed, so I'm very concerned about this dramatic decrease in my score.