davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: U.S. BANCORP (CA)

This is about a XXXX report, regarding a US Bank account from 4.5 years ago, i instigated a dispute on a transaction - a pizza that never arrived, with my bank. It was about a XXXX $ overdraft and I consisted the issue resolved once it was removed. A few weeks later, the dispute was declined, despite the fact I never actually got my food. 

They continued to overdraft me and stack fees on me, despite the fact I did not receive what I paid for. Id like this removed from my XXXX. I dont even need my money back, I just dont want this false mark of who I am - account abuse, on my report. I did not commit account abuse. I talked to the agent and outlined my issues - food not delivered Hopefully this doesnt come off rude, I love US Bank , I just dont understand why Im being held accountable for this? I was told my debit card comes with protections against purchases that I never recieved the product.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

Goldman Sachs is not properly updating credit reports for their Apple MasterCard. I have been trying to have my report updated but have not been assisted by Goldman Sachs at all. My XXXX report shows a {$630.00} balance and {$3000.00} credit limit last reported on XX/XX/XXXX ( see attached ). It should show a {$0.00} balance and a {$4500.00} credit limit, Ive attached both my XXXX and XXXX statements to show I payed my balance prior to the statement being issued and bother have a {$0.00} balance. Also heir representatives are clearly not trained to understand reporting either. The first representative I spoke with there told me that I simply needed to wait longer - even though my statement had cycled and it should have been reported already. The second employee I spoke with ID # XXXX just stated she would submit a dispute with XXXX, which makes no sense because they are the reporter and as such would just report correctly, not dispute their own information. All she could offer after was to note they needed to do a better job reporting, to whom this note would go is unknown as again, they are the reporters ( see attached ). This is unacceptable. It is now XX/XX/XXXX and I've had to enter my second dispute with XXXX ( who botched the first dispute ) to get this updated as it is still wrong, previously I had to file a complaint with XXXX for a similar issue. Goldman Sachs needs to be updating with the credit bureaus every 30 days. By not regularly updating credit reports, it harms the credit of borrowers who have paid off balances and/or had credit limits increased.
Consumer complaint received 2022-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for ar purpose.
Consumer complaint received 2021-02-11
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. (TX)

XXXX XXXX  XXXX XXXX  approved my forbearance due to COVID-19, and in XX/XX/2021, XXXX XXXX  approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact XXXX XXXX  several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I have recently applied for a refinance loan, and the new company that is financing the refinance mortgage failed to provide a notice for the first payment that was due. 
The first loan payment was due on XX/XX/2021. And on XX/XX/2021, I realized that I have not received any notification from the loan company, so I took the necessary steps to register a new, online account with this company to submit the payment online. Consequently, I was able to avoid missed or late payment. 
When I tried to contact the company to get more information on why they have not provide any kind of notification on that the payment would have been due, they failed to provide any explanation for this.
Consumer complaint received 2022-10-11
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)

I received a copy of my credit report from XXXX XXXX dated XX/XX/2022 after I applied for a business credit card. The info posted by XXXX XXXX XXXX for account # XXXX IS INACCURATE AND NOT VALID. 

After multiple requests, XXXX XXXX XXXX has failed to provide documentation of any agreement between them and I, that gives them right to continue to bill me after I told them I no longer want their services. I never had a contract with XXXX XXXX XXXX and never signed up to be their customer. I was customer of XXXX XXXX and after my contract with them was up, I was on a month-to-month basis payment without contract. XXXX XXXX was bought out by XXXX XXXX XXXX at some point and they increased their prices. I made contact with them and told them that I no longer want their services, as they increased the price from what I was previously paying and did not want to replace the defective equipment that was given to me by the previous company with a lifetime warranty replacement. XXXX XXXX XXXX is not owed any money, they continued billing me eventhough I told them I do not want their services, until I sent back their bill back with " RETURN TO SENDER - RECIPIENT NO LONGER AT THIS ADDRESS '' on the envelope.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX L ) XXXX Balance Owed : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  L ) XXXX Owed : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX MORE ) XXXX Owed : {$1000.00}
Consumer complaint received 2021-05-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX. i'VE ATTACHED my social security card for verification purpose ( SSN : XXXX ) .I really need your help. my identity was stolen. now accounts are being started using my personal information.I filed a FTC REPORT ALREADY ( report # XXXX ). Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I identify all the inquiries and accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft Also I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (MO)

On XX/XX/XXXXthe Law Offices Of Mitchell reported a medical debt to my credit report that does not belong to me. This debt had already been disputed once with another debt collector and had been removed from my credit report, so the Law Offices of Mitchell must have bought out this debt.

I have not been to a medical facility in at least 10 years. I do not have any liability to anyone else, for any medical payments. This debt does Not Belong To Me. I have had to dispute under identify theft before, with the credit bureaus. In XX/XX/XXXXMy vehicle was broken into and my checks and ss card/ID was stolen along with all of my business equipment. At that time I had to change my bank account information and issue a new ID & SS Card. 

As stated before, this does not belong to me. I haven’t even received a bill to call and dispute, I have already taken it up with the credit reporting companies. This needs to be removed from my report, and not sold to other parties. I am in the process of buying a home, and this debt is hurting my loan which is already in the process of closing XX/XX/XXXX. These people need to figure it out, if they have a copy of the information provided they should share. I don’t believe it’s fair I have to keep disputing the same debt, and the original company- XXXX XXXX XXXX  Of Missouri and the debt collectors keep selling it to a new party.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OR)

This account was used without my authorization. I contacted the financial institution in XX/XX/XXXX, when I received my XX/XX/XXXX statement and realized there were charges that I did not do or authorize. Immediately I requested the account closed and the company said they would open a investigation. I received a letter on XX/XX/XXXX stating that because of my fraud claim there will be no minimum payment due and they were investigating. 

The account had one charge made on it in XX/XX/XXXX and was paid in full as of XX/XX/XXXX. There has been no activity on the account from that point forward until these charges were made in XX/XX/XXXX when I received the statement I referred to above. There was 23 action items on the statement I received, some appear to be credits as well as several charges totaling over {$10000.00}. Along with all of them being within 100 mile radius of the XXXX XXXX area. 

It appears from my credit report that around XX/XX/XXXX there were credits made to the account taking the balance from almost {$10000.00} down to around {$5000.00}. After that the financial institution told me that because there were payments made that I was responsible for the account. I have not made a payment on this account since I paid the account off back in XX/XX/XXXX nor did I make any purchases on the account. I feel like I am being discriminated against based on my status as a regular citizen, along with being taken advantage of teaching not being taken seriously by this financial institution. My interaction with the company did not seem genuine and was not taking seriously. 

XX/XX/XXXX I received a letter from the company stating to allow 30 days for the consumer reporting agencies to update their files and they would be in contact with me in the future. 

In XXXX I received another statement showing that they were credits made to the fraudulent charges on the account however it has a new account number and now there is a balance of {$5000.00} as I referred to above. All of this needs to be taken care of right away as this is it right and again its criminal.
Consumer complaint received 2021-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MI)

I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

Paypal had held my earnings from my PayPal business account. They are not able to give me a reason as to why they have stolen my money. I made the account in order to accept payment on my XXXX store where I sell XXXX XXXX XXXX XXXX XXXX. After I had accepted orders using PayPal and shipped the items, PayPal said I can no longer use their service and are " holding '' my money aka STEALING. I called and emailed them but they don't have an answer for me. please help I was trying to start a small business but they scammed me out of all of my startup funds.
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (TX)

on XX/XX/2021 I sent a letter to challenge the accuracy, compliance and reportability of the listing in my credit report they have failed to provide me any original documentations associated with this accounts, bearing my signature. In the absence of any such documentation bearing my signature they have taken advantage of me it has been stressful for me to get finance and have violated my rights under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) the accounts that i disputed have not been deleted under my credit report it has been over 60 days Equifax and XXXX have not provided any original documentation with my signature with the unknow debts that are reporting in my credit report i demand these accounts to be deleted
Consumer complaint received 2021-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (MI)

I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.
Consumer complaint received 2019-08-18
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rocket Mortgage, LLC (IL)

Have a current loan with a lender, I was changing positions from weekly to no weekly and the date of my house payment fell on the week I wasn’t getting paid, I called ahead to the lender and asked them if I could move my payment out a little so it would not be a late payment they agreed all was okay, they however did no do it, I was late that month and no one contacted me from the lending company the second month came along I paid it on the same date and again the following month was late, they finally contacted me after the third month and I double paid to catch up but now it is stuck on my credit report and they will not remove it even tho it’s their fault for the most part, it is causing me issues trying to purchase another house closer to where I work.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I have not received anything from Equifax in regards to my credit report and FAL report. They claimed that they would send out a report but I have not received anything. It has been over XXXX weeks. I need my consumer report and FAL report. I've been trying to reach out to XXXX, they have not given me access to my CONSUMER CREDIT REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic. THIS IS MY RIGHT AS A CONSUMER
Consumer complaint received 2021-05-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (GA)

I am a XXXX who had a major complication in XXXX, this happened in the hospital. Later the hospital made my ability to work difficult and used excuse to get me out of the hospital and I was later cleared by the State Board. It was during this difficult times that my loan and other financial situation got worse. When the Case was to go to court in XXXX, I filed for Bankruptcy to protect myself, I eventually did not go with the Bankruptcy. May be it was because of the Bankruptcy that Satander Consumer USA stopped sending we bills, they had not sent me bills since XXXX ; NOTHING. 
In early XXXX, COVID-19 started and most hospitals stopped Surgeons from doing surgery. Luckily, I was able to obtain Privilege to do Surgeries at another Hospital. In XXXX of XXXX, I got a call from Satander about paying off the vehicle with {$6000.00}. I explained my situation with the lady saying I was not allowed to do surgeries for months and surgeons are just now being allowed to do surgery. I begged her to let me pay monthly, but she claimed that I had not paid in 500 days, which was incorrect. I was so insulted that I could not call them back. Luckily, I was able to make double payments on line, but could not see all my previous payments. They refused to respond to my emails, appealing to them ; these will be attached. 
Suddenly, while I paid them monthly, they came and towed the vehicle yesterday, XX/XX/XXXX. I had asked them for a payoff in writing by email, they refused to respond. When the car was towed, a gentleman, XXXX # XXXX, who answered their phone wanted me to pay far more than what I was told on line. I explained to him that I was told to pay {$6000.00} in XX/XX/XXXX, I had already paid {$4000.00}, why will you now tell me to pay {$7700.00}. Anyway, my Business had picked up, I rushed to pay the money by " XXXX XXXX '' because they refused for me to pay them directly. Unfortunately, another form of payment was used by a XXXX lady at the XXXX XXXX Kiosk, unknown to me ; she used Check free pay, which I have NEVER heard of. Satander is aware of this form of payment but they refused to accept it saying I have to wait for days to collect my car. I rushed back to XXXX, the attendant explained to Satander staffs that everything was done properly and it showed same day payment in their system, satander refused. All this happened during my clinic hours. All my patients got upset and left.

I complained to Satander about COVID interruption, they claimed they were not aware that it affected me. My email exchange will show that they are not being truthful and they DO NOT CARE. This was a used car paid with a ridiculously high interest, I had to get the car so I could run my Business.

I am not sure what remedy will apply. I had paid and overpaid them and I hope they will return the vehicle and the Title, but the whole world needs to know what is going on.
Consumer complaint received 2021-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Consumer complaint received 2020-09-08
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.