davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NC)

I had an Apple Card open for two years, used it modestly and paid on time, always. Never late, no returned payments e.t.c. One morning my account is frozen and an email stating the account has been closed. I called Goldman sachs many times to ask why the account was closed and was assured over and over again that I would receive a letter in the mail, no dice. I called again, was escalated to a senior advisor who opened a case and provided a case number, was told it could take up to a month for the investigation to complete, I was never informed on anything and attempted to call back and was told the case number didn't exist. My account is still closed and no proper reason was ever extended to me. I've read online that Goldman Sachs has accidentally closed these accounts many times and users have reported little to no success in finding out why.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

XXXX XXXX XXXX {$490.00} ( XX/XX/XXXX ) i have disputed this account on multiple occasions i have asked creditor to send written validation of debt and they did not send any paper work i asked them to send me proof of my signature having a contract with them and they failed to do so i have spoken to original creditor they have told me that they were going to remove said account because there was nothing owed i never authorized them to give my information to this company LVNV FUNDING LLC {$690.00} ( XX/XX/XXXX ) i have disputed multiple times have asked them to stop calling me multiple times a day i have asked for validation of debt never got any correspondence back i dont know this company i have never signed any contract with them LVNV FUNDING LLC {$670.00} ( XX/XX/XXXX ) i have disputed multiple times have asked them to stop calling me multiple times a day i have asked for validation of debt never got any correspondence back i dont know this company i have never signed any contract with them LVNV FUNDING LLC {$680.00} ( XX/XX/XXXX ) i have disputed multiple times have asked them to stop calling me multiple times a day i have asked for validation of debt never got any correspondence back i dont know this company i have never signed any contract with them XXXX {$620.00} ( XX/XX/XXXX ) I DONT KNOW THIS CREDITOR ACCOUNT I NEVER HAD AN ACCOUNT WITH THEM AND THEY CLAIM I OPENED AN ACCOUNT WITH THEM WHEN I NEVER DID I HAVE DISPUTED AND CALLED CREDITOR WITH NO RESPONSE
Consumer complaint received 2020-12-08
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. (CA)

I have been a victim of identity theft and these fraudulent accounts have affected my credit reports. I will attach supporting documentation to support my claim. I will include a Federal Trade Commission report, Notarized Statement to support my claim along with proof of my identification.
Consumer complaint received 2020-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Recovery Service Incorporated (GA)

I do not owe the so called debtor any thing. Just because I properly closed my account at the end of the month with proper advance notice, XXXX decided to bill me for another month.for {$39.00} with a {$100.00} collection fee.
Consumer complaint received 2022-08-12
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. (GA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX. I believe it was reporting in error. 
XXXX XXXX Balance : {$7900.00}
Consumer complaint received 2020-08-20
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. (VA)

I have worked with the CRAs to dispute inaccuracies and fraudulently reported information on my XXXX. XXXX is the only creditor who refuses. 
I have called and emailed to dispute two fraudulent accounts and XXXX refuses to assist. I already filed a FTC report and complaint. They violated FCRA and FDCPA by refusing to dispute two inaccuracies and fraudulent accounts and trying to contact me while my dispute was in progress. They are a scam company and take advantage of consumers with unscrupulous practices. My ex roommate used my SSN without my consent and Equifax refuses to remove the XXXX accounts and XXXX XXXX accounts that are fraudulent after receiving my FTC report. They also refuse to give me access to look at dispute results online. I called and faxed them paperwork. They are taking advantage of Consumers. I know my  rights to have accurate data reported to the CRAs.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Under my XXXX Credit membership. I am seeing an issue with the below information. 

I dont know who is at fault, but somebody needs to look into this issue immediately. 

I DO NOT have XXXX of the same XXXX XXXX XXXX Capital One Cards.. 

It is an overall concern that becomes a problem in the availability percentage and utilization ratios in my credit reports.
Consumer complaint received 2021-05-24
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. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TN)

XXXX XXXX and XXXXXXXX XXXX- as well as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX XXXX comenity and others are actively extorting me and my ruined credit files from an unauthorized unlaful eviction in 2015. My credit, name, reputation, and personal files- now protected by law for deletion after two years- ( because deletion of other info prevents credit issuance and scoring ) are making any credit application impossible. The three major bureaus are feeding this extortion and acting like the XXXX XXXX  with my credit files- and despite statements PLAY A SERIOUS ROLE IN THIS EXTORTION. 

I have been denied a VA LOAN several times, over 20 credit cards, my info is blacklisted with some of these companies, I can not get XXXX care or pet care. THIS IS EXTORTION. IT STOPS IMMEADIATELY. I DEMAND NEW CREDIT AND FULL SCORING DATA! excuses like nothing is available are legal runaround for failing to release lawful scoring data- which in fact exists. GO FIND A BACKUP TAPE.
Consumer complaint received 2021-10-02
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. (IN)

On XX/XX/2021, I mailed a letter to the credit bureaus via certified mail requesting the method of verification used to verify the bankruptcy listed on my credit report. The bureaus reported the bankruptcy as being verified with XXXX. 

On XX/XX/2021, I mailed a letter to the bankruptcy court requesting information on when and who from the credit bureau verified a bankruptcy with them. Their response dated XX/XX/XXXX was that he bankruptcy court does not validate bankruptcies with the bureaus or any third parties. 

According to the FCRA, it is illegal for bankruptcy courts to report bankruptcy to the credit bureaus. Therefore, we know that the information did not come from the bankruptcy court. Also according to the FCRA, all accounts must be verified with the original furnisher of information. Even if this information was given or verified by a third party source, the third party source can not verify that their information is accurate, since according to the attached paperwork, the bankruptcy court does not verify bankruptcies with third party sources. 

On XX/XX/XXXX, I mailed a letter to XXXX, enclosing a copy of the bankruptcy courts letter, stating that XXXX could not have properly validated the information reported to the bureaus, and thus must remove the erroneous reporting from my credit report. As of today, XXXX has not responded. 

On XX/XX/XXXX, I mailed a letter to the bureaus, enclosing a copy of the bankruptcy courts letter and a copy of the letter to XXXX, stating that XXXX could not have properly validated the information reported to the bureaus, and thus must remove the erroneous reporting from my credit report. As of today, the bureaus have not responded.
Consumer complaint received 2021-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This absolutely unexceptionable that I have to submit a CFPB Complaint against the bureaus because they claim that the in accurate information I disputed on my credit report XX/XX/XXXX is verifiable. Also, I will be filling a complaint with the XXXX  due to the mistreatment and unwillingness to help me resolve this hardship the bureaus have brought upon me. Its impossible for me to live The American Dream with the credit bureaus reporting inaccurate information that is burdening me from get home, low interest rates and etc. I submitted another complaint on XX/XX/XXXX I demand to know how these inquires were verifiable even when I stated this was unverifiable information that is also inaccurate on my credit report. I don't know who's this inaccurate and unverifiable information belong to but I need it deleted off my report immediately. I feel as if the bureaus are trying to waste time by claiming this inaccurate information on my credit report is verifiable. I have been put through enough hardship this year during the Covid pandemic. I demand proof of the original application be provided to me that I signed and agreed to these erroneous inquiries on my credit report. If the bureaus can not provide me the original application! I demand this inaccurate information be deleted of my credit report immediately. The next step that will be taken if this inaccurate information is not deleted immediately will be me seek litigation. Ive been going back and fourth with the bureaus since XX/XX/XXXX Ive had enough and will take legal action for the hardship and time the bureaus have cost me trying to resolve this situation.
Consumer complaint received 2023-03-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HARTFORD FUNDING, LTD (FL)

It all started in the summer of XXXX. I was referred to XXXX XXXXXXXX at Hartford Funding. He sent a pre approval letter for in XXXX of XXXX. 

We found XXXX XXXX in XXXX FL in XX/XX/XXXX and planned to sell our home. It didn't, and we decided to go through XXXX for a mortgage and rent our home instead in XXXX of XXXX. The sellers gave us an extension to XX/XX/XXXX. We put down {$5000.00} for a deposit to buy the home. 

The entire month of XXXXXXXX XXXX had all of our documents, and never submitted them to the underwriting. My realtor XXXX ended up getting in touch with XXXX XXXX boss, XXXX XXXX, in order to get things expedited. Now everything ends up being submitted to the underwriters. XXXX was upset. Yet another extension from the sellers. 

The sellers agreed with another {$5000.00}, and we had to agree to forfeit the deposit if the loan didn't go through. I agreed due to the fact that both XXXX  and the supervisor insisted that we would get the loan. 
Ira emailed us a closing disclosure within days of the final closing date of XX/XX/XXXX. 

Then at the last minute XXXX  and XXXX told us we couldn't close due to the investors guidlelines. In order to get our {$10000.00} deposit and {$95.00} for inspection/appraisal that we lost XXXX told me that I should put a lien against the property. I sent the sellers several letters to ask for the money back. They would not return the money. My lawyer said I can't put a lien on the house. 

Coincidentally on XX/XX/XXXX XXXX  sent another pre approval letter for more money than before, after it was too late. He had found a new investor that would approve us, and he asked that I not involve his supervisor. Once again, no loan. Then again in XXXX of XXXX XXXX again sent us a new pre approval letter. Once again, no loans were provided. 

I want my {$10000.00} deposit and {$960.00} appraisal/inspection back. They are not competent, and I would like for the licensing department to be aware of this.
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenox Financial Mortgage Corporation (AZ)

AZ lender Weslend Financial XXXX, NMLS XXXX is running ads on AZ radio advertising 2.1 % interest rates, which I believe is a triggering term, without any additional info on type of loan, term, or down payment.
Consumer complaint received 2019-03-06
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. (TN)

Equifax is incorrectly reporting me 120 days late on the XXXX XXXX XXXX, partial account number XXXX. This account that a {$0.00} balance and {$0.00} past due. This incorrect reporting is hurting my credit score. It is impossible to be late on an account that has a {$0.00} balance {$0.00} past due.
Consumer complaint received 2017-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I 'm desperate and looking to you to help as the only consumer advocate I 've got!! 
Tried to get access online to my credit reports though XXXX also by phone. 
I provided all the information that was requested to all 3 agencies. 

Online : the response today Mon. XXXX XXXX at approx. XXXX all 3 reporting agencies were unable to compete my request for my credit reports. 

By Phone : Request could not be completed. 

TransUnion : Unfortunately your request can not be fulfilled online at this time, based on the data provided. TransUnion XXXX : Error Information Http Status 400 Group 11 XXXX : We are not able to deliver your free XXXX annual credit report online. 

I then proceeded to call : The automated system could not deal with my XXXX accent..the message I left was repeated back to me did not hear my name correctly..the automated system would not let me finish and kept speaking over my answers to the questions. 
Surely using the phone alpha. and numeric system would overcome the above problem.
No Live persons were involved. 
XXXX
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (PA)

I noticed of Cards opened through XXXX 's ( XXXX  ), Norstrom ( XX/XX/ ), and Tagert ( XX/XX/XXXX XXXX 
The only charge I was sent a receipt for was Nordstrom with a charge of {$240.00} They were all used to make purchases in the XXXX area. 
Norstrom- XXXX XXXX OH Target- XXXX XXXX XXXX XXXX XXXX The individual has all of my personal information including my ss number, phone, address, email, and phone number. 
I have contacted all three and had the account closed.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (RI)

I requested an on line mortgage payoff statement from Dovenmuehle Mortgage Co on XX/XX/XXXX. The statement indicated a total payoff amount of {$340000.00} if paid before XX/XX/2020. Due to quarantine restrictions and on line banking daily payment limits, I sent 4 successive on line payments to Dovenmuehle totaling {$340000.00}, which they received and posted to my mortgage account by XX/XX/2020. 

As of XX/XX/2020 my outstanding principle balance was {$3600.00} per Dovenmuehle 's on line activity statement. I reviewed my loan activity and called Dovemuehle on XX/XX/2020 to request that the portion of each of those 4 previous supplemental payments not allocated to principal curtailment be allocated to principle. I was told that this was a manual bookkeeping step and that I should check back on XX/XX/2020. 

I called Dovenmuehle on XX/XX/2020 and spent roughly 5 hours on hold and speaking to various customer service reps, supervisors, and loan recovery staff. I also requested a current Payoff statement which now showed an additional {$770.00} to payoff the loan. I also noticed that the sum of my late XXXX payments of {$340000.00} were added back to my mortgage balance and according to discussions with Dovenmuehle put into a suspense account. The XX/XX/2020 payoff balance was by Dovenmuehles admission, 17 days interest on the {$340000.00} balance which remained in their system as my payments of {$340000.00} were reversed out of my account and booked instead to that suspense account. Dovenmuehle couldn't explain why all my payments including those previously booked as principal curtailments weren't subsequently rebooked as principal curtailments. They remained in suspense as of XX/XX/2020. 

No one I spoke to ( Supervisor XXXX, customer service XXXX XXXX, et al ) had the authority or interest to restate the accounting or modity the final payoff statement. It is my contention that the additional interest of {$770.00} to pay off my mortgage by XX/XX/2020 is unwarranted and based solely on Dovenmuehle 's decision to rebook my mortgage payments into a suspense account to either penalize a mortgage payoff or to take advantage of the current COVID 19 restrictions.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (FL)

I was a Experian Boost member prior to XX/XX/XXXX2021 and I received correspondence via email from Experian. I wanted to stop the emails from Experian however they are not CAN-SPAM Act compliant and do not have an " Opt-Out '' link or mechanism via the email as it should to unsubscribe. I called Experian and cancelled my boost account and specifically asked for them to not email me again. The representative complied and told me this was taken care of. I then received an email stating that I was no longer a XXXX   member again with no CAN SPAM Compliant link to unsubscribe. They go so far as to say, " you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book. '' I then check their privacy policy and still no way to cancel or unsubscribe except this statement. " If you need assistance or have any questions about this Policy or our privacy practices, please call us at XXXX. '' I called the # and was put into a never ending Do-loop of the same thing with no way to Cancel or Unsubscribe from their bombardment of emails. 

So I've received 5 more messages ( datedXX/XX/21, XX/XX/21, XX/XX/21 & XX/XX/21, since I spoke with a rep on XX/XX/21 to cancel further correspondence with Experian except via Postal mail.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XXXX of 2019 I was in a horrible car accident. I literally broke the left side of my body. During this time I was in extreme pain and focused on recovering. As a result I missed a {$9.00} payment to Bank of America and they reported it to my consumer report. I then informed the company of the accident and they informed me to send in letter and they would give me a forgiveness of the late payment. I have sent the letter and they never forgave the payment nor did they contact me about the issue for any other information.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc. (CA)

Landlords property management sold a repair debt to pacific credit services 5 years after the parties, the landlord and the tenants agreed on stipulate to set a side. The agency is now charging an interest rate on an alleged debt as well as reporting it every month.
Consumer complaint received 2020-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (CT)

My father-in-law passed in XXXX XXXXhe had an outstanding balance of {$270.00} and collection company claims charges made after his death? The card was cancelled when he passed. I called Weltman, Weinberg & Reis after I received a letter from them since all my father-in-laws mail was forwarded to me after his death. I received a threatening letter on XX/XX/XXXX and called them on XX/XX/XXXX. I advised them there was no estate and that I only handled his mail. I told them to stop sending letters to the estate since there was no estate. Since my phone call on XX/XX/XXXX, I have been receiving daily phone calls every day at XXXX since last year. I have called numerous times and said stop calling my home number everyday. I am the son-in-law, no estate and there is nothing to collect from! I called again on XX/XX/XXXX and told them I am on the Do Not call Registry and this is harassment. I am not a representative of XXXX XXXX and I am being called on my home phone daily with a recorded message since last year! I told them there is no estate to collect from and I am the son-in-law. This needs to stop ...