davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (PA)

I took out a grain loan in 2020 and set up automatic payments from my bank account. Unfortunately I had to switch bank accounts and that is where the problem started. First of all, Grain is only for XXXX devices, which was fine when I had an XXXX, but after that device broke, grain offers NO way to access your account. Not through XXXX, not through their website, not through an automated call, nothing. So I called, I would wait on hold for 30 minutes only to be disconnected because " no one is available ''. I emailed several times asking how I can pay as I was now several payments past due. Grain couldn't answer a phone or respond to an e-mail but had NO problem reporting my late payments on my credit report. I FINALLY got someone to send me a one time invoice, which I promptly paid, and brought my account current.

When it came do again, I started the whole process again, I emailed and asked for a similar link, no response. I called, hung up on after a 30 minute hold time. I even tried borrowing a friends XXXX  to log in, and I can't update my bank account in the app and I can't get past the " confirm bank account '' screen, for a bank account I no longer have. So I emailed again, no response. 

Now they're going to end up posting MORE late information on my credit when I have done every bit of due diligence possible to make this payment. They are forcing their clients to suffer for their inadequate customer service.
Consumer complaint received 2018-12-04
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)

I Sent Certified Letters To The Company To Properly Verify And Validate The Accuracy Of The Account That's Showing On My Credit Report ... I Never Received Any Proof Of The Account As Being Accurate ... They Sent Email Or Letter Saying That The Account Was Verified But Not Once Send Me Proof That I Requested ...
Consumer complaint received 2021-05-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (MD)

Emailed by someone named XXXX XXXX presenting themselves as an attorney for Speedy cash service department of payday loan. They state that I will be legally prosecuted in the Court House within a couple of days. My supposed charges are : UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER They also state that my 'case ' is under investigtation with major credit bureaus.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX, XXXX ) and the Creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2018-02-27
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: DISCOVER BANK (MD)

The credit card company Discover card, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a service member, and deploy often. I have called and talk with numerous people. However, they will not remove. I was deployed from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XXXX and will not remove, due to an error on their part.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( CPS/MAIL, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Credit Acceptance, XXXX Card ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (PA)

XXXX promoted {$100.00} bonus for depositing $ XXXX. I deposited $ XXXX on XX/XX/XXXX. XXXX reversed the deposit on XX/XX/XXXX. They told me at the time the reversal was due to potential fraud concerns. They assured me if I redeposited at leas $ XXXX within 10 days I would get credited the {$100.00} so I redeposited $ XXXX on XX/XX/XXXX which they credited to the account on XX/XX/XXXX, 9 days after their reversal. I called hem today to find out why the {$100.00} bonus was still not posted and the their " customer service '' dept. is claiming the code " they see '' is the reversal was due to to NSF. That is completely INCORRECT as I can prove I had sufficient funds when the original $ XXXX deposit was made ( just like I had sufficient funds when the {$14.00} deposit was made 9 days later ), coupled with the fact that I already knew the original reversal was due to their fraud department improperly reversing the original deposit!! This has been nothing but a hassle and XXXX from the thieves. I complied with all terms of the offer, they have my money, and their information is either incorrect or they are simply lying to me to avoid paying me the {$100.00} bonus they owe me. SHAME ON THEM.
Consumer complaint received 2019-08-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I FAXED OVER MY FTC REPORT SEVERAL TIMES AND EQUIFAX STILL CLAIMS IT NEVER RECEIVED IT. THEY MESSED UP AND HAD 2 CREDIT PROFILES ON ME AND STATED THAT IT HAPPENS SOMETIMES!!!! I AM A VICTIM OF FRAUD AND I WANT THIS REMOVED FROM MY ACCOUNT!!!!!  ONCE AGAIN I AM SUBMITTING EVERYTHING, BUT THIS TIME I HAVE PROOF THAT IT WILL BE SENT.
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 information incorrect
Company: Experian Information Solutions Inc. (UT)

Convergent please provide the physical documentation you provided to Experian on Report NumberXXXX. Informs reported has to be 100 % verifiable and 100 % accurate under federal law. EOSCAR doesnt support sending physical documentation to the credit bureaus. Please provide proof of what documentation you sent to Experian through the CFPB portal. I have a legal right to know what physical documentation you sent to the credit bureaus since you verified this account to Experian.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been working on repairing my credit score in order to be able to purchase a home. I have successfully paid off all my debts and all the collections accounts on my report. Instead of increasing just like the other credit bureaus, Equifax has dropped my score by 61 points altogether and no one is able to tell me why.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have submitted Prior Complaints, and recently Withdrawn my Complaints against Select Portfolio Servicing Inc., however, I just received a letter dated XX/XX/XXXX, Stating " SPS Previously Received Your Request For Loss Mitigation Assistance, But We Now Consider The Assistance Request Withdrawn. We are not Considering Your Request for Assistance at this time Because : After initially asking to be considered for Assistance, you Withdrew That Request on XX/XX/XXXX. 

I have never, ever made any Request to/of SPS Inc, except for them to Stop Calling Me, Stop Writing me, and Stop any/all Contact with me, concerning the Property that they Purchased from XXXX XXXX XXXX, ( SPS Inc Account Reference # XXXX ), Property Address : XXXX XXXX XXXX, XXXX, Georgia XXXX. 

That Property was Abandoned/Turned in/Over To the XXXX XXXX XXXX, Appraiser on XX/XX/XXXX, after an on-site Joint Physical Appraisal was completed, and according to Internal Revenue Service Publication 4681, the turning over and acceptance of a Property, Any Property is Considered A Sale or Transfer, and I am under Bankruptcy Protection. Therefore, since the prior Mortgage Company ( XXXX ) took Possession of the Property, and Issued an Abandonment Form XXXX, which SPS Inc., is well aware of and has been issued a Copy, and I have no Personal Libability for that Property, SPS Inc., has no business contacting me. 

SPS Inc, Claims to have purchased the XXXX XXXX XXXX, XXXX, Georgia XXXX, Property, yet the Official Muscogee County Georgia Tax Commissioner 's Office, and the Muscogee County Georgia Superior Court Clerk Records show nor record of any any Property Transfer/Deed Recording? That Property is  still listed with XXXX XXXX as the Lien Holder? 

SPS Inc., States that Property was purchased by a XXXX, DE Company in XX/XX/XXXX, yet this is XX/XX/XXXX, and no official records show this to be true. 

So now, SPS Inc., needs to produce some evidence of a request from me in writing for Loss Mitigation, which does not exist, or state that they have lied for the record.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

My rights have been violated as a consumer. I sent multiple letters off to XXXX, Equifax XXXX XXXX about this matter and nobody is doing anything about it. The last letter I sent to all three reporting agencies was XX/XX/2023. I was disputing incorrect information that was put on my credit without my consent continuously and repeatedly. All of this without my consent. I never got a letter. If I did it was dated 30 or more day before I received it. So, I wrote dispute letters to XXXX, Equifax XXXX XXXX using the following laws. 15 US Code 1681 b, 15 US Code 1681 c-1 & 15 US Code 1681 c-2. They won't correct the misspelled names or addresses or respect the law. Please help me this is becoming a big inconvenience because I am trying to buy a home. Please help me.
Consumer complaint received 2022-04-28
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. (MI)

As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from FAIR COLLECTIONS & OUT. Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXXfrom original creditor XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX  XXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX  XXXX XXXX original creditor is XXXX  XXXX XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX. Multiple attempts have been made for removal
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am submitting you this CFPB Complaint today to let you know that you have failed to comply with the Federal Law, Fair Credit Reporting Act section 605b, and continued reporting the disputed items without completely verifying the disputed items you are reporting on my Credit File. Previously, I have been asking you to send me copies of proof of verification or any documents you found along your investigation to prove that the disputed items belong to me. And you have failed to do so, but I see here that the disputed items are still being reported on my Credit File! This is a clear violation of my consumer rights under the protection of the Fair Credit Reporting act! Once again, I need you to remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$690.00} XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. With you failing to send me copies of proof of verification or any documents, it should have been expected to have the disputed items removed from my Credit File, and yet you have failed to do so.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
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: RFNA, LP (TN)

got a letter from main office Republic Finance in XXXX XXXX LA. told i didn't owe them loan was settled but still shows on my credit report unpaid plus false claims from their XXXX TN office since XXXX going to this date XX/XX/XXXX I think maybe some fraud about me
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I received notification from Lowes that my credit account was closed even though it was in good standing, never missed a payment and actually had a payment scheduled for 3 days after they closed it. I will still continue to make the payments because the balance will be paid off after the payment that's scheduled for Friday and I have already scheduled the one for XX/XX/XXXX. I am concerned because my credit score dropped because if it and they had no good reason and gave no warning. All they said is that I could reapply
Consumer complaint received 2023-02-24
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. (PA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from FAIR COLLECTIONS & OUT. Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXXfrom original creditor XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX  XXXX XXXX original creditor is XXXX  XXXX XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX Multiple attempts have been made for removal
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (LA)

I am a victim of both Hurricanes Laura and Delta. In addition to living 3 weeks in 115 degree heat on generators to run the AC to dry out water-damaged sheetrock & tarping a house with buckets in the attic to catch rain, we had to file complaints with the LA Insurance Commissioner to get our insurance to pay on the loss. In the meantime, my husband lost his job & I lost my office & we got denied for an SBA loan that mightve helped me keep my business open. We paid for a roof on a credit card that we didnt have to save our house while we waited for a claim to settle. When that finally happened, we learned from our mortgager, M & T Bank, that they were going to keep our insurance funds pending repairs. Which is understandable. But ... they said they will pay us when the work is 100 % complete. It did not matter that we are already {$12000.00} in debt for a roof. We are not to receive funds until ALL repairs are made - 100 % of all items listed on the adjustors report. I asked how they can expect us to make repairs with money we dont have when the insurance released money but they refuse to release it to actually make repairs. XXXX said its just M & Ts policy. I was shamed for taking so long to get the checks & paperwork to them until I informed them about having to file Ins Commissioner complaints to get results & that when we got it, M & T got it. We have no jobs, little income, are on deferred morrgage payments for financial hardship from Covid & Laura & Delta. Despite all of this, M & T is refusing to pay out necessary funds to repair our home. We did our part despite hardship to salvage our house & minimize additional damage as best we could, insurance did their part by paying out for repairs, but it has all come to a grinding halt with M & T. We literally can not afford to pay out of pocket for repairs. And they know this because our payments are deferred. How is this legal? How can they do this to people? How can they get away with kicking us while we are down on the ground after these 2 natural disasters? How can they expect us to repair & protect our investment ( & theirs ) if they withhold the very funds we desperately need to do that? We need what little credit we have on our cards to live on. We can not afford to tie them up on repairs while we wait for inspectors to call to set up appts to report back to M & T to maybe or maybe not write us a check to waiting for that check from our sluggishly slow postal service that is recovering like the rest of us to depositing it in our bank to FINALLY being able to use it. Its just impossible. Please help us. All of us here in SWLA from the M & Ts out there. What options do we have? Please tell me what we can do. Please
Consumer complaint received 2022-04-07
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)

This is a request for assistance with XXXX, XXXX, and Equifax. I am completing this complaint for myself and I no one is putting up to it. There are accounts listed that are not mine and I have given my written instructions to remove. Late payments on accounts that have not been late not once. This is my written instruction for the following accounts to be either removed or corrected. This is pursuit 15 US Code 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Remove the following accounts - [ ] XXXX  XXXX Account XXXX - [ ] XXXX XXXX & XXXX Account XXXX - [ ] XXXX  Account XXXX - [ ] XXXX/XXXX  Account XXXX - [ ] XXXX  Account XXXX Remove late payments on the following accounts - [ ] XXXX  Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] Remove the following address - [ ] PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX