davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (TX)

Goldman Sachs credit card ( with XXXX XXXX  ) reported misinformation on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization. They indicated I had late payments on XXXX and XX/XX/2017, and this is not true. Under the law, 15 U.S. Code 1681b - Permissible purposes of consumer reports, I am requesting this be removed from the 3 credit agencies under this legal precedent.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

Over the past two months there have been a series of unauthorized financial transactions that resulted in funds being transferred from from my personal bank accounts to my Paypal account, and then funds being transferred to third parties ( without authorization ). Repeated attempts to resolve the situation with Paypal have not resolved the fraudulent/unauthorized transactions.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have called and disputed incorrect name reporting and an incorrect address keeps showing up on my report. I was told the name has to stay on my report because I have an account with XXXX XXXX XXXX I DO NOT, NEVER HAVE. 

XXXX XXXXIncorrect XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Never lived there.
Consumer complaint received 2020-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contacted this company several times along with disputed with all 3 bureaus and they refuse to remove the account or provide documentation showing proof this is my account. I am a victim of identity theft and I have fraud alerts on all bureaus. I was able to get all fraudulent and inaccurate information removed off my account BESIDES this one and I am demanding removal and or proof of validation. I do not recall ever opening a XXXX XXXX XXXX credit card and its been messing up my credit for YEARS. Credit bureaus need to do something
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was traveling and missed the payment, but made the payment a day late. It posted two days late (see attached statement). I called and asked for BofA to waive the late fee, but they said no. Instead, I was charged a late fee and interest! I asked to speak to a supervisor but was told there was none available, but that one would call later. Of course, that never happened.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Social Finance, Inc. (NY)

I had a replacement card back in XXXX. The card ends in XXXX I believe. I have not used the card in a long time and didn't recall if the card ending in XXXX was the original card or the new card. 

I had a customer service representative from XXXX. I had to tell her because of her bahavior I choose not to do business with SoFi. 

I called to get a replacement card. I did not know if I misplaced the correct card or there was something wrong with the replacement card. 

I kept telling her I tried using the card she claims is the correct card and it was declined. There us no balance on that card. The Customer Representative just refused to give me a replacement card even though I gave all proof of credentials and explained the card is not working. 

I let her know I tried at a XXXX XXXX  on Sunday- it was declined, I paid with another credit card. She claims charges went through- but I do not see it on my app under transaction. 

It is concerning declined transactions are reflected as active with SoFi. 

This is unacceptable behavior. 
I attached a screenshot where XXXX transaction is not reflected anywhere.
Consumer complaint received 2022-11-20
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: AES/PHEAA (NV)

Guys I highly believe that with all of my efforts of disputing since last year, that Im being willfully violated regarding my credit. I disputed my credit report for all accounts in XX/XX/XXXX after having to apply for a mortgage for my family to have a place to stay. I was being turned around because all of the accounts that are being charged in my name. I requested an investigation and original proof to be sent to me. I got absolutely nothing back. Not only that I decided to send a re-investigation letter through certified mail on XXXX XXXX to all 3 bureaus and requested specifically that every date, balance, verification of debt, payment history and all be checked thoroughly again. However, there has been no correction only more reporting that arent the same across all 3 bureaus. Im now out of a home with my XXXX children and my wife and have no other option at the moment to get my own place of living. 

Im have over 13 accounts from the same Creditor : Account Name : FED LOAN SERV Account # XXXX being reported on my credit report. They all show the exact same account number, but completely different Date Open, High Credit, Payment History, Date Last Active, and more. Then theres 3 more accounts with the same account number under FED LOAN name, with lots of blank data from all 3 bureaus. 

XX/XX/XXXX is the oldest account under the names which is already 13 years of age and the oldest account being reported is XX/XX/XXXX which is 7 years of age. 

Again, its been few attempts to hear back from them. 

Section 607 ( b ) by FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I saw on the CFPB bulletin for XXXX XXXX, that theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were 5 things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 
Ive been mistaken for other XXXX XXXX continuously, but this time it actually cost me housing and denial from banks and damaged credit. 
Im requesting monetary relief per violation ( and the willful violation ) and for the damages that were caused and money spent trying to fix the same issue multiple times. 
15 USC code 1681n ( a ) ( 1 ) ( A ) Also, consumer reporting agencies must Correct or Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

I will attach both proofs of credit reports I pulled from XXXX XXXX ( in color ) and XXXX XXXX ( black and white ink only ) to compare if they thoroughly investigated and corrected anything. I will also list the tracking numbers below for the disputes.
Consumer complaint received 2020-10-26
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. (GA)

XXXX XXXX XXXX keeps reporting something on my credit report that I know nothing about. It has really dropped my credit score. Says I owe them $ XXXX {$900.00}. I have no knowledge of account ( s ).
Consumer complaint received 2020-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them .I don't have any access to these accounts, i have never sign the contract or agreement with them.
Consumer complaint received 2020-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

Grant & Webner did a reporting on my credit report without properly giving me notification of the alleged debt. The address they have on file is not my address I never received such notifications from them whatsoever. I didn't know about this alleged debt until I pulled my credit report and seen their reporting. I dispute the validity of the this debt. I paid all services they were provided to me directly with the doctor. I did not have insurance at the time, and I was a cash patient. I had to pay everything up front before any procedures were done. I contacted the doctor and they in fact said I did not have any outstanding bill. They provided me with a statement dated XX/XX/XXXX where it shows I do not owe anything. I have a XXXX balance. See attached copy of the statement. Also, the charge they have as outstanding on XX/XX/XXXX was paid that same day. See enclosed credit card statement where it shows I paid {$500.00} the same day of my procedure. This reporting is affecting my credit score and I am requesting the immediate removal of this fraudulent reporting as soon as possible.
Consumer complaint received 2021-03-31
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: ENCORE CAPITAL GROUP INC. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXXXXXX IN Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
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. (SC)

I have been successful in getting fraudulent credit accounts removed from my credit reports, but the hard inquiries still remain. I also have fraudulent addresses that do not belong to me on my credit reports with all three credit reporting agencies XXXX, Experian, and XXXX. 
I need removed the following XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX False Addresses are as follows XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX
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)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been successful in getting fraudulent credit accounts removed from my credit reports, but the hard inquiries still remain. I also have fraudulent addresses that do not belong to me on my credit reports with all three credit reporting agencies XXXX, XXXX, and TransUnion. 
I need removed the following XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX False Addresses are as follows XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

I have had a gas card with chevron through Synchrony bank for 3 years, then two weeks ago they ran a hard inquiry on my credit without asking me and closed my account. They sent me a letter telling me they ran my credit without my permission and decided to close it. I have never been late on payment and always paid off my balance.. they made my credit score lower 22 points because of this hard inquiry
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

I I noticed a personal loan that was for {$700.00} was listed on my credit as included in Bankruptcy when that was not the case. In fact the loan was paid in full, and the Credit Union as well as the Credit Agency was notified and given proof of payments showing dates and running log of amount owed with each payment that was supplied to me from the Credit Union. They however only changed the status from included in bankruptcy to Includeded in bankruptcy/never late. This account was not included in my bankruptcy and and was in fact paid in full. I communicated this with the credit union once the loan was paid in full and once the bankruptcy was complete. My attorney advised that the credit union was not supposed to be pulling the payments for the loan if they were including the loan in bankruptcy and if they were then all monies needed to be refunded. Nothing came of this after several emails with the Credit Union.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (MO)

I wasnt sure how to code it but my account with chime was hacked and I put my account on a temporary suspension because of it and I have over XXXX in the account now they will not remove the suspension for some reason its been almost a week of me constantly bugging them ... can you please help me my name is XXXX XXXX Thank you
Consumer complaint received 2023-02-01
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please investigate these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 .... Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave you or any other consu, [ mer reporting agency WRITTEN CONSENT to report these accounts on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE SEND UPDATED COPY OF MY REPORT OF THESE ITEMS DELETED TO MY ABOVE POSTED ADDRESS THANK YOU.
Consumer complaint received 2022-04-07
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. (SC)

My Social Security # was used to apply for credit without my consent or my authorization and I reached out in the past on older inquiries and those still exist alongside the new ones. I've included a Dispute letter with all Three Credit Bureaus addressed.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated (GA)

The Georgia Goprogram card there is no way of reaching customer service. The number does not give you an option for customer service or to transfer your balance the number is XXXX. The website does not give you an option to transfer your balance either. I would like to transfer my balance to my regular account and close this card.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

after XX/XX/2022 we started experiencing loss of income and trying to work out some arrangements with wells fargo our home lender, as of XX/XX/2022 they would not offer any help at all. i am XXXX and i make 1000 dollars less a month then i normally did, I am still working fulltime because i can not afford to stop working,,, my wife is XXXX and on XXXX and only collects XXXX payment once a month.. the only contact we have had is thru phone contact only. I have never missed a payment until XX/XX/2022 and they kept stalling and putting us further behind in contact.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: DOLLAR MUTUAL BANCORP (PA)

I have my mortgage through Dollar Bank and in XXXX I started experiencing financial hardship and had trouble paying my mortgage by a few dollars every month. Every month, I have to call and beg for them to just chill on that XXXX dollars. That we're stretched financially thin because we've been waiting for the house to sell. Now it has - our closing is XX/XX/XXXX. Dollar Bank has levied another late fee of $ XXXX being short a few dollars again and will not forgive this nominal amount of money. I am a mother, a farmer, and franklyI need my {$3.00} every month more than a bank needs my {$3.00} so they can make a buck in interest. I've had a mortgage with this bank for XXXX years... they've profited enough from me. But no, they need to throw on even more late fees to someone who is struggling. This level of greed is criminal. Even I have spent am embarrassing amount of time trying to keep these few dollars because I need them! Regulate banks so that THEY are hassled, not ME, a singular person with no significant resources who's trying to exist in a world where, increasingly, you have to pay for EVERYTHING.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (PA)

CITI initially invited me to open a checking account with XXXX dollar incentive, and once I transfer my funds in ( XXXX dollars ), they close my account without giving any justification. And now, the account has already been closed for over 40 days and I still have received a check with the remaining balance of the account ( XXXX ). I have contacted their customer agency every 3 days for the past 4-5 weeks and no clear update has ever been provided. Upon review of complaints against CITI, I find many people have been in a similar situation. 

I sincerely implore CITI to address this issue before we further escalate the situation.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (AZ)

CMG Financial cashed my mortgage payment check in XX/XX/2020 ( XXXX check # XXXX for {$2000.00}, dated XX/XX/2020 ), but did not apply it to my account. I have called them dozens of times without resolution, and need some assistance to get this resolved.