davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

When I investigated my XXXX report, I realized that some of the information was XXXX XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MT)

Block and remove the XXXX account listed below, as mandated by law and the FCRA. Failure to comply within XXXX XXXX days will result in XXXX XXXX, and I do not consent to XXXX XXXX methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2006 Balance {XXXX Please delete this account ASAP.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Im simply disputing my credit scores that have been grossly deflated by the Credit Reporting Agencies and have been reported that way for over 2 years by these same Credit Reporting Agencys. They have been reporting grossly inaccurate information that has caused great HARM to my family and I and continue to do so. Theyve done nothing to fix this.
Consumer complaint received 2023-08-16
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 (TX)

Subject : Request for Assistance Regarding Incorrect Reporting of Credit Delinquency I, XXXX XXXX, am writing to address a series of issues related to my account, previously held with XXXX XXXXXXXX under the XXXXXXXX XXXX XXXX, which subsequently transitioned to Goldman Sachs in XX/XX/2022. 

For a period of eight years prior to this transition, I was a responsible and compliant account holder with XXXX XXXX. However, during the course of the transition to Goldman Sachs, which lasted approximately 3-4 months, I encountered significant and unexpected difficulties. 

Access to XXXX XXXXXXXX Account : Throughout the transition period, I was unable to access my XXXX XXXXXXXX account. This prevented me from viewing my balance, paying my bills, or managing any other account-related matters. 

Failure to Receive New Card : Despite diligent communication with Goldman Sachs ' customer support, I did not receive my new card. The support staff repeatedly assured me that the card was on its way, only to later discover that it had been sent to an outdated address. 

Delays in Addressing the Issue : The eventual realization of the mistake by Goldman Sachs led to further delays. The process of receiving my new card and accessing the newly switched Marcus account was fraught with unnecessary challenges. 

Credit Report Impact : During this period, I received a credit report indicating serious delinquency on this credit card account. This was alarming, given my otherwise perfect payment record on this and all other credit cards under my name. Though I promptly paid the outstanding {$30.00} balance upon finally gaining access to my account, the delinquency had already been recorded on my report. 

Impact on Mortgage Application : This erroneous delinquency has had a direct and adverse impact on my attempt to purchase a house, as it reflects unfairly on my creditworthiness. 

Unsuccessful Attempts at Resolution : Despite my best efforts to reach out to the concerned parties and seek resolution, I have been met with resistance and inaction. 

In light of the foregoing, I respectfully request your intervention and assistance in resolving this matter. I believe that the facts clearly demonstrate that I am a responsible consumer who pays debts in a timely manner, and that this incident is an aberration resulting from circumstances beyond my control. 

Your prompt attention to this matter will not only correct an injustice but also facilitate my ongoing efforts to purchase a home. Please find enclosed relevant documents supporting my case. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-19
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. (TN)

This XXXX XXXX account # XXXX is Paid-in-Full and Closed. However, XXXX CRA and Experian CRA continue to incorrectly report as Open.
Consumer complaint received 2022-07-22
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXXXXXX XXXX Late Date XX/XX/22
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-03-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA ATM EATS MONEY On XX/XX/2023 I deposited the amount of $ XXXX to an ATM and while it was being processed, the machine froze and 'ate " the money.I have a receipt proving this, with the amount, location, date and time. 
I called the company and they gave me the credit while this was being investigated. This morning, I received a message from the bank saying that the claim was denied and that they were going to take my money back.
Consumer complaint received 2023-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My husband and I were in a financial crisis. so we hired an attorney to help us not to lose our home... this went on for a while. payments were being made by the trustee.. bankruptcy was dismissed and so I tried to get loan modifications to get current with our mortgage or loan extensions, anything to help us keep our home. I submitted all documentation that they required. but no luck.. they kept denying my loan modifications.. couldnt never get the right person on the phone to help. Not even our attorney did anything to stop the foreclosure. keep in mind we were still in bankruptcy...
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx. XXXX Experian XXXXXXXX XXXX XXXX XXXXXXXX, TX. XXXX US Dept of Education/XXXX US Dept of EducationXXXX US Dept of Education/XXXX XXXX XXXX To Whom It May Concern , You received my request for the method of verification on XX/XX/2022. 
However, you failed to provide a method used to verify the information of the dispute and the source and the name of the person you contacted. Provide me with the method used to verify this negative item or delete the information. You are reporting false information on my report and you are in violation of the Fair Credit Reporting Act and the items under dispute must be deleted in 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau and take legal action. 


Respectfully Yours, XXXX XXXX
Consumer complaint received 2020-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

I ordered a game system from CONNS and paid using my XXXX account which is tied to my XXXX  account. The system never shipped so i had to open a dispute. the company Conns never responded to my inquiry so i open the dispute with XXXX. Months later finally everyone responded and i thought everything was good. now Conns has issues a request for XXXX from XXXX which has taken my account negative. i never received any extra money and i have the proof to show that i was at a XXXX balance until this last mistake. i can not get anyone on the phone nor can i get any of the emails they tell me from collections to respond. i am disputing the amount owed but i can not get anyone to respond.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I overpaid my Home depot credit card on XX/XX/XXXX by {$1000.00} and have called 8 times and 9 hours on the phone to receive the refund back. They've told me several times they will return the money, but still have not done so. I've proven thru XXXX XXXX XXXX it was sent directly from my account. They have acknowledged receipt of the payment and overpayment and keep telling me " the check is in the mail ''. I've given them my banking routing numbers ... and still have not returned the funds as of XX/XX/XXXX. It's my understanding they are required to return my $ $ no later then 7-10 days. It's been 21 days and I want my money back that's due to me.
Consumer complaint received 2018-07-19
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: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2017. I received a response more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

my wife got hurt at work XX/XX/2017, she didn't receive any money while she was out. we fell behind on our mortgage, we contacted SPS and  tried to work things out with them without no prov ell. Our regular mortgage payment is {$1600.00} a month and all they did is come back to us and afford us a repayment plan of {$3100.00} a month. we request numerous times for a modification and were told we are not eligible. 
we also tried to get a copy of our original mortgage documents from beneficial but they won't return any of our calls, emails, and letter, because we believe that we had a XXXX insurance in with our mortgage, and if we did out payments should be picked up by the insurance and we wouldn't behind.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

On XX/XX/2021 at XXXX XXXX XXXX I purchased XXXX XXXX XXXX XXXX XXXX XXXX  -- parent company XXXX -- with {$100.00} value. The card was activated. I tried to register it the morning of XX/XX/XXXX to no attempt. The sticker on the front says the card can be used at a merchant without registering it. My son took the card on a field trip to XXXX XXXX XXXX XXXX and tried to use it for lunch -- the reason we purchased the card. The card was declined. I contacted XXXX customer service. XXXX confirmed the card was activated per the above but then deactivated because there had been a fraudulent attempt on the card in XX/XX/2021. He told me I had to register the card and he would mail me a replacement. I told him that wasn't acceptable. I wanted to speak with a supervisor. He told me I could only do that if I registered the card. I told him I was not registering the fraudulent card. The remedy I seek is a refund of the card value {$100.00} and the {$5.00} fee I paid for the card. I also seek any other remedy available. XXXX and XXXX 's activated a card that XXXX XXXX  systems at least detected fraud on immediately after they took my money. XXXX should have never let the card be activated. This a consumer fraud.
Consumer complaint received 2021-05-07
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. (TX)

I submitted evidence that a debt is false with my bank statements and how much the account costed, and the total amount I have paid and they will not remove the debt from my credit. I have gotten it removed from XXXX and XXXX but Equifax will not. I have tried calling them on the phone to dispute this but they are not answering my calls. I am basically being blackmailed into paying a debt I do not owe because they will not look into my evidence.
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I never use my Macy 's credit card, but I needed a black tie for a gig ( those were the days! I'm a XXXX. ) and I went to Macy 's at the XXXX XXXX XXXX in XXXX XXXX, California ( on XX/XX/XXXX ) and bought a tie for XXXX dollars ( {$26.00} with tax ). I thought, " Hey ; I have this Macy 's credit card that I never use. Why not use it? '' Then I forgot about it. The first bill I received was in XXXX and it was for... XXXX XXXX and XXXX dollars! I immediately called Macy 's customer service to tell them that I hadn't received a bill until now and to ask that they remove the charges. They refused. I went ahead and paid for the tie, but I refused to pay anything more. 

( I swear I didn't get a bill until XXXX. My wife picks up the mail and sorts it. She didn't see one ; I didn't see one. I hate to think that this might actually be a tactic of Macy 's, but it could be. I've heard they are struggling financially. If they are intentionally delaying the mailing of statements in order to charge late fees... that would be criminal I would think. When I asked a company rep if statements were actually mailed, she seemed evasive. ) I received another bill on XX/XX/XXXX... with another {$40.00} late fee plus interest tacked on! Even though I paid for the tie! So Macy 's had now charged over {$120.00} of late fees and interest for a charge that I paid as soon as I received it! For a XXXX dollar tie! How long were they going to continue to charge {$40.00} per month ( plus interest )? 

I called customer service again. They initially refused to budge, but after spending well over an hour on the phone, often on hold, asking for supervisors twice,... I settled the issue for {$38.00}. ( Plus the original {$26.00}. ) Can this sort of usury be legal? Calculate the imputed interest on a {$27.00} loan for a few months! Well over 1,000 % for what they charged me! Around 400 % annual interest for what they settled for.
Consumer complaint received 2022-06-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (NC)

I am the general executor and trustee of the XXXX XXXX XXXX estate/trust. 
I am taking the time to correct the record pursuant to 15 U.S. Code 1681 A & B I am requesting you send me the 1099-C.
Consumer complaint received 2022-06-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a dispute letters to XXXX, Transunion and XXXX on XX/XX/2022, respectfully requesting to be provided proof of alleged. debt accountss reporting falsely on my credit report, specifically requesting the contracts, notes or other instrument bearing my signature of accounts submitted and no proof was submitted to me. The results came back as " Updated '' only with no proof of so I am filing a complaint for their failure to comply with my request under federal law FCRA XXXX provisions.
Consumer complaint received 2020-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TX)

I ordered a game system from XXXX and paid using my PayPal account which is tied to my XXXX account. The system never shipped so i had to open a dispute. the company XXXX never responded to my inquiry so i open the dispute with XXXX Months later finally everyone responded and i thought everything was good. now XXXX has issues a request for XXXX from PayPal which has taken my account negative. i never received any extra money and i have the proof to show that i was at a XXXX  balance until this last mistake. i can not get anyone on the phone nor can i get any of the emails they tell me from collections to respond. i am disputing the amount owed but i can not get anyone to respond.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent a dispute to Experian advising them that the debt collection agency no longer has the powers to do business in California or to collect in California via the Secretary of State 's website and certificate of status. I sent them the information to support my dispute as I will be also attaching it here. Just in case they try to say it's the wrong company I am uploading both reports/statues.

The collection company can no longer report this to my consumer report.