davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (FL)

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (CA)

XXXX XXXX XXXX  AND THE ORGINIAL CREDITOR WERE BOTH LISTED ON MY CREDIT REPORTS FOR THE SAME ACCOUNT. 

XXXX XXXX  XXXX XXXX XXXX CHANGED THEIR STATUS TO " IN XXXX OFF '' AND CHANGED THE DATE OF ACCOUNT CLOSURE TO XX/XX/2015 THE ACCOUNT DATE AND AMOUNT IS NOT CORRECT ON CREDIT REPORTS ; XXXX, XXXX  AND XXXX.
Consumer complaint received 2019-03-26
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. (FL)

My name is XXXX XXXX. I place a fraud alert on my account XX/XX/XXXX. The thieves are still continue to access my credit. I recently reviewed my credit and saw new fraudulent accounts and inquires showing on my report. I didn't not authorize any of this activity. I need to be notified every time my credit is accessed at XXXX. I put this info in my fraud report in XX/XX/XXXX. I have my lawyer XXXX XXXX looking into this situation as we speak and we are in the process of filing a lawsuit. These are the accounts and inquires in question ( XXXX ) XXXX XXXX XXXX {$1200.00} XX/XX/XXXX INQUIRES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent addresses XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX {$1200.00} INQURIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent address XXXX XXXX XXXX XXXX PA XXXX ( EQUIFAX ) XXXX XXXX XXXX {$1200.00} BAD ADDRESSS XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX Customer Service Manager at XXXX   XXXX XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud Investigator XXXX North America XXXX XXXX XXXX CEO North America XXXX XXXX XXXX EQUIFAX XXXX XXXX President US Commercial Services and Chief Client Officer Equifax LLC XXXX XXXX XXXX President Equifax LLC XXXX XXXX XXXX Equifax LLC Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer Equifax Corp XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance Equifax Corp XXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft Equifax LLC XXXX XXXX XXXX XXXX XXXX Equifax Corp Corporate vice president chief legal officer Equifax llc XXXX XXXX XXXX XXXX XXXX Compliance and Litigation XXXX XXXX XXXX XXXX XXXX Executive Vice President XXXX XXXX  XXXX XXXX XXXX Director Fraud and Identity management XXXX XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX XXXX XXXX XXXX XXXX Director-XXXX Consumer Interactive Servicing XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

LexisNexis is reporting a bankruptcy from the XXXX XXXX of Kentucky. I do not have a personal bankruptcy in the XXXX XXXX of Kentucky. The XXXX XXXX of Kentucky did not verify this information to LexisNexis and I have asked LexisNexis to freeze my all information regarding my name and personal information. XXXX, XXXX  and XXXX  can not verify a bankruptcy that does not exist and therefore violating the Fair Credit Reporting Act.
Consumer complaint received 2018-04-28
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. (OH)

I submitted formal disputes with XXXX, Equifax, and XXXX  in regard to inaccurate late payment from XXXX XXXX XXXX XXXX showing on my reports, in which I'm co-signer for my wife, on her Equifax report shows paid as agreed but all 3 of my reports shows 1 30 day late in XX/XX/2017. This caused my credit score to drop more than 60 points, resulting me not able to qualify for personal loan.
Consumer complaint received 2022-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (MA)

I paid my Apple Card/Goldman Sachs bill on time from a joint XXXX account XXXX My husband and I have different last names. The check was received by Goldman Sachs before the due date, and Goldman Sachs sent confirmation to XXXX that it had been received. On XX/XX/XXXX, I received a notice that my Apple Card bill hadn't been paid. It was due on XX/XX/XXXX. I called and opened a complaint case. I was told they would respond within XXXX business days. The day after I filed the complaint, my husband noticed that his Apple Card account had been credited with the exact same amount that I had paid. It seemed clear to us that Goldman Sachs had applied my payment to my husband 's account, even though my name and last 6 digits of my account number were listed on the check. I called Goldman Sachs support to let them know. I have made at least 3 calls since then to get a status of the case. At one point, a Goldman Sachs advocate called me. I still have not received any resolution after 40+ business days.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I received a letter by Synchrony Bank that they closed my carecredit account. My account was paid in full in XXXX. I had used it back in XXXX of 2019 and made payments on my pet vet cost. One of your representative I spoke to during the holidays contacted about one missed payment in which I never received a bill. This representative after getting off the phone with me reduced my credit limit. Anyways, I paid the debt owed. Now after months of not using the card, the company wrote me saying that they have closed my accounts due to Not enough avialbe credit, unpaid collections and I have paid that account. I don't appreciate who ever it that handled my account. I don't want to use this credit card ever and I think it ashame how this company treated me. The representative who sounded like an XXXX man, came off very discriminating. I don't know if it was on purpose but he needs training on diversity.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (OR)

I asked Experian to report 1 address and 1 name and 1 phone number and 1 birthday 5 times, 5 times Ive asked for this and they update things incorrect to still keep old info linked to debts which shouldnt appear in the first place in order to keep my credit score low this is corruption, fraud, misinformation, deception, FCRA VIOLATIONS and 100 some days now, this is causing me serious harm. 

Serious Harm : means harm, whether physical or non-physical, economic, or reputational, to an individual, which would compel reasonable individual of the same background and in the same circumstances to perform or continue to perform labor or services or XXXX activity to avoid incurring the harm :
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WI)

I am not receiving the rewards points as advertised on roughly. For some reason they stopped after XXXX. I have made 4 phone calls and sent 4 emails. The Citi bank online chat is never answered, I have tried 7 times. 

They really don't seem capable of figuring out where {$1200.00} worth of points are.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing about the discrimination by Bank of America and XXXX XXXX who are about to move forward with actions against the lawful financial activities of lawful American gun businesses to try and destroy them. This should not be allowed to happen under the law of the land The United States Constitution.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is a follow-up to a previous CFPB complaint. I had applied for an XXXX XXXX credit card but ended up getting a XXXX card instead. In response to my previous complaint, Bank of America responded that I only need call customer service to request a product change to the correct card. I have attempted to do this multiple times now and keep getting told that this is not possible. I do not want to apply for a new card - I want my card converted into the type of card I originally applied for.
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. (VA)

File fraudulent claim with XXXX and the police division # XXXX. This is not my account. 

XXXX XXXX BANK - XXXX {$7700.00}
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank Of America is not complying with the Expedited Funds Availability Act of XX/XX/XXXX. They are placing a hold of 9 calendar days and as many as 6 or 7 business days of checks deposited with an amount over {$5000.00}. The account in question is in good standing and has never had any issues. Deposits of this type have previously not been subject to this type of hold. I have depositied many checks with similar of greater amounts from this same payer company with no issues or holds applied by BOA. Their mobile app stated at the time of deposit on the morning of XX/XX/XXXX that the funds would be available the next day and then a day later were place on hold until XX/XX/XXXX. Attempts to rectify this problem with the bank via their customer service line and at the BOA location on XXXX XXXX in XXXX XXXX, TX have been fruitless. 
Federal regulations state clearly that they should have already released all of these funds by now.
Consumer complaint received 2018-04-28
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. (OH)

I formally contacted Transunion by letter on XX/XX/XXXX and XX/XX/XXXX in regards to the following unauthorized hard inquiries on my credit file. 

1. XXXX XXXXXXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX   XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXXXXXX XXXX   XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX Unfortunately, these items has not been removed from my credit file.
Consumer complaint received 2018-04-28
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. (FL)

There are nine inquiries on my Equifax report that are not mine..my personal information has been compromise.. below are the inquiries that do not belong to me..XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

i have a mortgage on my primary residence via suntrust mortgage, mortgage number XXXX. 

i have a hazard insurance policy via XXXX XXXX XXXX, policy number XXXX, with the servicing agent being : XXXX XXXX Licensed Sales Producer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX in XXXX, through no fault of my own, my local agent was 7 days late in renewing the hazard policy. 
it was re-instated within 1 week, and documentation provided to Suntrust. 

i continued to pay the XXXX XXXX XXXX and in fact the policy is up to date and paid in full, in advance, for the year XXXX and has been paid in full since XX/XX/XXXX. 

despite that, suntrust has mandated a 'forced-place '' insurance onto my escrow account, and are insisting that i pay an additional XXXX dollars per month into escrow. 

i have contacted suntrust multiple times, provided documentation of the up to date and fully paid hazard policy, however suntrust refuses to lift their forced place hazard insurance. 
i have several concerns : 1 ) first of all, i have already paid hazard insurance for XXXX, so where is the extra XXXX dollars per month that i have been paying since XX/XX/XXXX going? 
2 ) my hazard policy only costs XXXX per year, so why i am i being charged an additional XXXX per year by suntrust? where is all the extra money going?
Consumer complaint received 2018-04-28
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: Diversified Consultants, Inc. (IL)

Diversified consultants placed information on my credit report Ive never had a balance with diversified consultants my account with XXXX was paid in full well before it went to collections I paid XXXX directly and as of today XXXX still owe me a balance refund. This is fraudulent this company thinks they can just place things on peoples credit files that are in accurate.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OK)

XX/XX/2016. XX/XX/2015. XX/XX/2015.

I have a US bank secured credit card. I went through financial hardship and was late on making a few payments on the above dates. I have been perfect otherwise, as the records show.
Consumer complaint received 2023-03-21
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)

Under 15 U.S Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) This account OFFICE OF THE ATTY GEN : XXXX # XXXX is in violation, not reporting 100 % accurate It lists the Child support Court as the furnisher, thats forgery and misleading when the courts do not report this type of accounts, it also lists this account as a loan, which I never requested, received or sign for.

In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report.

they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Ridge & Valley Realty, Inc. (CO)

A {$340.00} medical debt has a {$500.00} attorney fee added and was delivered to my job to a coworker. I had an original debt I made payments on and believed was settled that I sucky received a court summon on delivered to my job. Company in question was credit systems inc .
Consumer complaint received 2020-07-25
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. (MD)

I submitted a dispute to Transunion to remove the delinquencies that should not be on my US Dept of Education account. I have been a student since 2011 and my student loan payments have been in deferment since then. I called XXXX and they have said that they did not report these late payments. Transunion is also showing late payments from XXXX on my account. I submitted a dispute for that as well. XXXX did not process my payment then closed my credit card for no reason which they have already admitted to doing. During the period in which I called XXXX several times to correct this problem, they continued to fraudulently report late payments to the credit bureaus. Knowingly giving false information to the credit bureaus is illegal. Once I submitted a complaint to CFPB, a research analyst in XXXX 's executive office told me that they sent requests to the credit bureaus to remove those late payments. They are still on my credit report with the exception of XXXX.
Consumer complaint received 2018-12-11
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. (NV)

I contact the following Credit bureaus ( XXXX, XXXX  and TransUnion ) about inaccurate information on my credit file on XX/XX/2018, and to validate it. They received it on XX/XX/2018 ( see attach ) As to date ( XX/XX/2018 ) nothing was done by any of the above bureaus to remove this item, nor did I receive any correspondence back from the above bureaus within the 30 days of my dispute that they received on XX/XX/2018.
Consumer complaint received 2019-03-27
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)

This is an attempt to correct my XXXX, XXXX, and EXPERIAN credit report ( s ). I have identified fraudulent accounts. Please block the accounts listed below : XXXX XXXX   : XXXX - {$190.00} XXXX XXXX XXXX XXXX : XXXX - {$560.00} These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. These accounts are unverifiable and violate my consumer rights.
Consumer complaint received 2018-12-11
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: LEXISNEXIS (NC)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My Date of birth is XX/XX/1967. 
I have addresses on my report that do not belong to me and are not mine. They are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OK)

I filled out an application for a contruction loan and a consolidated credit report was pulled from all 3 credit bureaus. I was asked by the bank about a judgement that showed active on the report. I asked him which bureau it was and he said he did not know. I then proceeded to pull all three of my credit reports and it showed no judgements on them. I called the bank back and asked about the report he pulled that showed the judgement. He said that the company was Lexis/Nexis. I never heard of them before. My complaint is that if my credit worthiness and score is being pulled from the combine of the three recognised bureaus, then why is this company ( Lexis/Nexis ) able to interject their own information gathered onto my report. To make things worse, the information was out of date and I had to file yet another dispute with a company that I bet no one has heard of. Sounds as if they are trying to weasle their way into the system as another credit bureau. Please, help clear this up for me. I think that they should not be aloud to add stuff that is not being reported by the 3 original bureaus!! Thank you for your help with this matter.