davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (PA)

Instead of updating report to the correct amount and no late payments, they changed the amount of loan to XXXX XXXX dollars. Having me to re submit an additional dispute in regards to my XXXX XXXX bank account number : XXXX
Consumer complaint received 2022-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (MD)

A personal loan was made in XX/XX/2022. All the loan documentation can only be viewed in the account online. 
Marcus has failed, denied or refused to provide the necessary information to access the online account to view the account information.

We have contacted Marcus by phone nearly once a week for the last nine months to provide a solution. Marcus always states that the technical department is looking at the problem.

All payments to Marcus have been on time, automatically deducted from our bank.

We want Marcus to do something to fix the problem. They refuse or fail to do anything.

We want access to our account to make sure the loan is being processed correctly.

We need answers. Marcus appears to do nothing to help.
Consumer complaint received 2020-07-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (NJ)

The debt collecter stayed that owe for a auto loan that was in collections for a car I never purchased I also dont have a drivers and I stated that its impossible for me to buy a vehicle with no drivers license and the debt and the account was not mine I also asked if they had a contractual agreement with my signature and a drivers license with my name and picture and they stated that they did not have it so how can they state that this debt is valid with no proof.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I opened an account in XXXX of this year, with a bonus offer as follows : if I am able to make 2 direct deposits, each of XXXX or more from employer within 90 days of account opening, the I am to receive XXXX dollars as a one time sign up bonus. I have met the requirement by mid XXXX on which my employer made two direct deposits ( and two more later ) but I have not received any amount of bonus. I tried to reach out to the company, someone left a voicemail in my phone but when I attempt to call back over ten times no one answers during business hours.
Consumer complaint received 2020-08-21
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, while logged into my Visa card account, I looked at my credit report from Experian. I noticed on XX/XX/XXXX, a Hard Inquiry was done from " XXXX  XXXX XXXX XXXX ''. I looked this up, it is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I phoned them to ask what they are doing with my credit report. Spent about 1/2 hr on phone, they took my info and said someone from their fraud dept would get back to me. Three weeks later and still no call. I am a retired person, never had a small business and di not apply for any funds. Someone would have to have my Social Security number to do this. My internet searches show this is where a small business applies for money due to Corona Virus relief. I tried calling them back at XXXX, on XX/XX/XXXX but that was not successful. I did an online complaint at XXXX on XX/XX/XXXX. ID # XXXX. No response received. Tried calling Experion today, XX/XX/XXXX to do a dispute. Their site directed me to file a dispute online. I tried that but when I got to the screen showing the Hard Inquiries, it said I CAN NOT file an online dispute. The XXXX ph number given for help was a joke and still could not speak to someone. Called Consumer protection Bureau today, Also submitted a report to Identity Theft.gov, ref XXXX. I downloaded a mail in Dispute from Experian and will send in. I really dont know if someone has my idenity or not. I show I was breached from XXXX. I have not seen any other issue?
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Me and my twin sister 's cerdit has been merged. We both have the same initials date of birth and other than the last didgit of our social we have the same everything. when my sister go on experian it shows her name and social and my name and soical, when I try to look at my cerdit it doesn't show me anything at all. we have both contacted multiple compinies to try and get them seperated when it comes my twin she was able to talk to someone but they didn't do much. As for myself, no one will speak to me becuse they say they can't comfirm my idenity. They ask questions that pertains to my twin, I can't do anyhting at all no apartment no car no phones not even a bank account etc. I dont think anything has been done on the company 's end.
Consumer complaint received 2018-02-26
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: Experian Information Solutions Inc. (RI)

I have tried now for months to handle this on my own. I have gone to XXXX XXXX and they don't even want to sit down with me because the account is closed. I tried XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX. I have also called numerous times same dates because I would go into the branch they would give me number because, " they were unable to help me '' and I was on the phone for hours transferred to multiple times all while getting no where. Then one day recently XX/XX/XXXX I called to be transferred to 6 representatives when I finally got a nasty man XXXX XXXX agent number XXXX. That was a 4 hour conversation where I was transferred 6 times and they said there is nothing they can do because the account is in my name and closed. 

Back in XXXX I started working for XXXX XXXX, owner of XXXX XXXX XXXX  and XXXX XXXX XXXX, in XXXX XXXX. I was doing mostly office work helping him collect on past due accounts, I was in charge of payroll, ( Which never happened ) scheduling and sometimes I would go out into the field for estimates or to do work. He had mentioned to me that he was going to add me on the " Business Bank account '' and make me a signer because we were getting into situations when he would want me to write checks and I told him I can not because it is not my account. Then one day in XXXX we went into a XXXX XXXX  and we did just that, made me a signer. I made it clear on multiple occasions I just wanted to be a signer. That day when I was added XXXX account was already negative, I said this seems like a bad idea I don't want to go on this account as a signer when it is negative. He said a customer had written him a check and it will be handled. I believed him. 

Now fast forward to XX/XX/XXXX I have never written any checks out of that account nor did I ever have a debit card with my name on it. My issue is this was his account it is negative because of his negligence not mine. I had a XXXX XXXX XXXX  account for 19 years which now is closed and purged because XXXX XXXX wrote and deposited checks into my account and they were bogus. I have already filed charges against him and had to get multiple police reports because this man stole my identity and ruined my life in just under a year. He is now being held at the XXXX XXXX  XXXX XXXX where he is facing multiple XXXX XXXX XXXX XXXX XXXX XXXX. 

I need help resolving this issue so I can begin to get my life back. When I met him I had an XXXX credit score and the same bank account for 19 years. My credit score is now under a 5 and I am unable to get a bank account because of him. He also opened a XXXX account in my name which had multiple checks deposited and it was left negative and purged. He opened that without any of my knowledge.
Consumer complaint received 2020-07-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: UHG, LLC (TX)

I got a phone call from a lady who identified herself handling my case file her and that she was about to file my case in court if I did not respond today. I did not catch her name and she did not state her company details. 

She gave a call number XXXX. 

When, I called that number, an XXXXAmerican  male answered and after confirming my identity, he went on tirade on how I came form XXXX to try to rip money off people in America. That some have been looking for me and are about to throw me in jail. 

He reconfirmed my address and that if i did not respond immediately some XXXX people are getting ready to throw me in jail. However, he was ready to help me only if I could calm down. However, since I could not get him to state who he really happens to be or who his employer is, except to say that I owe money to XXXX XXXX who has been looking for me everywhere and were coming for me right away, I had no no choice but to hang up.
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I used to rent at XXXX XXXX XXXX and when I decided not to renew the lease. I ended up by paying month to month rent with was expensive then was the regular rent. I was surprised to see that I was charged with extra rent when I moved out. I contacted the manager< I told her that when somebody as month to month contact that means he can move out anytime. that way I paid extra money.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (PA)

I signed up for a credit card with Macys. They started mailing statements to my old address. I contacted them to update the address but still did not receive them. They continued to send statements to wrong address and I didn't know a payment was due for many months. They left the account open and it has ruined my credit history. I did not even know I had a credit card with Macy 's and they never contacted me. I have attached a picture of the payment history from Macy 's.
Consumer complaint received 2020-07-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Thank you for your recent contact dated : XX/XX/XXXX2020. 

I wrote to you on XX/XX/XXXX 2020, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, and what actions s/he has taken in relation to this account.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX  .I 'm closing on my apt XX/XX/XXXX 2020.XXXX reassure me that I Wouldn't t be reported to the credit bureaus for a late payment! when the XXXX  apt is being paided off on the XX/XX/XXXX, 2020.Please reach out to XXXX and have it corrected, thank you
Consumer complaint received 2016-11-29
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Financial Business and Consumer Solutions. (TX)

FBCS continues to call me after I have told them numerous times to cease & desist. I have NEVER received any written communication from FBCS. Their collection agents told me they were calling concerning an account I allegedly have with XXXX Bank. I do not have an account with XXXX Bank. XXXX Bank does not appear on any of my credit reports. I have researched FBCS and was horrified to find that they are repeat offenders of reporting false, fraudulent and extremely old debt to consumer credit reports. In addition, there are MANY complaints just like mine where they refuse to stop calling and harassing consumers. Should the calls continue or should they report anything on my credit reports, I will NOT hesitate to immediately file a law suit against FBCS. I have also filed formal complaints with the XXXX, the XXXX Attorney General and the XXXX Attorney General.
Consumer complaint received 2022-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (TX)

I have asked Credit Corp Solutions 3 to 4 times for them to stop calling me at work and I keep getting phones calls. I have asked them to stop calling me all together until they send me proof of the debt they are calling me about and I have et to receive this. I have sent a complaint 3 to 4 times to stop calling me at work and to stop calling me and have taken a screen shot of every time I have sent it. I asked them multiple times for them to send send me proof of my debt and they still have not sent me no proof of the debt they are harassing me about.
Consumer complaint received 2020-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a lot of transactions not showing up from places with gaps of money missing from those transaction even making a new account and and doing the same thing from the same place later was posted but not other ones before I dont see y that would happen? On the app and website bank pf america edd
Consumer complaint received 2020-07-21
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. (FL)

I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and still not getting any resolution. I don't know what seems to be the problem. Please help me! 

List of accounts ; XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX HOSPITAL XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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 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 2023-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LEXISNEXIS (GA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-02-22
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$5900.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> According to FCRA XXXX XXXX XXXX a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2020-07-20
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. (IL)

I have written to XXXX several times as well as to Transunion and XXXX  pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.
Consumer complaint received 2018-06-29
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. (IL)

This is a complaint in response to a previously complaint filed on XX/XX/XXXX, reference number XXXX based on a response from Equifax received via USPS, not through the CFPB portal. 

Original complaint was based on the illegal re-insertion of information into my credit report, without notification by the *credit reporting agency* ( you ) as required within five ( 5 ) days of previously disputed information that is invalid. In the response to the above referenced complaint, Equifax 's official, binding response stated, " The disputed XXXX XXXX XXXX XXXX XXXX is currently not reporting on the Equifax credit file ''. 

According to our records the account number provided in your complaint is not appearing on your Equifax credit report. '' However, based on a review of my Equifax credit file on the date of their response ( XX/XX/XXXX ) and with re-verification on XX/XX/XXXX, the information they stated as " not appearing on the Equifax credit file '' is and has been present on my credit report since before the original complaint was filed. 

The information was verified directly by a service that is owned and operated by Equifax. 

Equifax 's response to the complaint is a blatant misrepresentation of the information that is truly present on the report, which represents transmittal of false information to a consumer and refusal to investigate a complaint as required. 

In the original complaint, it listed the number as ending in " XXXX '', however the creditor has modified the account number when they re-inserted the account that had been removed ( XXXX ) and you did not supply the required notified of the re-insertion. 

This complaint is about the re-insertion and failure to notify, but failure to investigate.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (FL)

On XX/XX/2018 between XXXX I deposited XXXX in the bank, filed a case with the bank twice and they are telling me that only found XXXX which makes me furious because I told them to review their cameras and look again the bank stated that they are not going to give me back my money .Also the bank charged me XXXX for calling with out my permission they took it out of my account.They need to shut down BB & T bank it is very awful and too much issues .My goal is to get my money back because I am XXXX and I am very independent and I take care of myself and I pay over XXXX in bills every month and when money is missing its a problem.So please look into this because I need my money back.
Consumer complaint received 2017-06-02
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: EQUIFAX, INC. (TX)

I spoke with a representative concerning a 30 day late payment that is showing on my  XXXX  and Equifax credit report dated XX/XX/XXXX , I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.
Consumer complaint received 2018-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (FL)

I did a refinance for a lower rate. I supplied my current mortgage statement and the current tax information for that year up coming taxes. The broker XXXX XXXX with XXXX   XXXX XXXX, wanted to under cut the competition and got me a lower monthly mortgage by cutting my escrow in half! Thus making my mortgage escrow account short shortly after that thus increasing my mortgage by {$500.00}! Now I pay more than I originally did a month! This refi happened XX/XX/2017.