davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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. (OK)

15 US Code 1681b-The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
-This congressional law clearly states that the consumer report agencies compile information for the purpose of furnishing consumer reports to third parties. So this company is in fact the furnisher of my consumer credit report, which I never gave written instructions. By law they must have written instructions from the consumer to furnish any information pertaining to my private information. This information that is being assembled and evaluated is not public accessible so therefore my right to privacy is also being violated. 
15 U S Code 1681b ( 2 ) permissible purpose of consumer reports- In accordance with the written instructions of the consumer to whom it relates.

15 U S Code 1681b ( 3 ) states to a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer 15 US Code 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. With these laws stated you can see how this company is breaking the law by furnishing, assembling or evaluation my consumer information without my written consent or instructions. My private information, which are also identifiers, are furnished by this consumer reporting agency. I demand that this company cease and desist from reporting the following negative accounts on my consumer credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all fed loans and us department of education accounts XXXX and XXXX XXXX XXXX. These accounts are to be deleted immediately upon receiving this. I
Consumer complaint received 2015-09-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (TN)

I borrowed {$800.00} from Castle Payday loans on XXXX XXXX, 2015. They have taken payments out of my bank account equal to {$1600.00}. and continue to try to debit my bank account {$400.00} twice a month. I am on social security and my bank account continues to be overdrawn because of them trying to take my money out. As soon as my SS check goes into my account each month I have to draw it out and pay my mortgage and utilities to keep them from taking it. I have had a nervous breakdown and I ca n't take this stress, I ca n't talk to them on the phone because i ca n't understand what they are saying and I do n't know how to stop them from taking my money. they are calling me all day long and leaving messages on my voice mail and I ca n't talk to them.
Consumer complaint received 2022-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (CT)

I filed a complaint against Upstart with the XXXX- in regards to interest, NSF fees for charges that they had on auto-payment when that's not how it would've been set up since I'm paid bi-weekly and dates change and it's too difficult to keep on going in changing dates. They removed interest fees but refused on the NSF fees. On XXXX XXXX, 2022 they attempted to take {$100.00} out of my account. They did not have permission for this charge. They had permission for a {$50.00}. The {$100.00} didn't go through because it was attempted yesterday and I don't get paid on Thursdays, so I wouldn't have done it for that reason, Also I had cleaned out most of my account due to fraudulent charges and my bank is in NY, I'm in XXXX So I also needed to be able to have access to my money. I've been waiting on my new debit card for just over a week. And if I scheduled {$100.00} why would I go back in and do a second charge for {$50.00}? So now on XX/XX/XXXX they are going to try and take {$110.00} out of my account that they don't have permission to take. They are constantly emailing with threats of interest charges, NSF fees, and a late fees. I regret ever getting a loan with them. I spoke with a supervisor who stated that the payment for the {$100.00} came from their side, not mine, but she had to dig into my file to find out how this happened. Really? Someone goes into my account and sets up a fraudulent charge? No. Not happening. I will change all my banking info.
Consumer complaint received 2021-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This company is reporting a debt on my credit report and is in violation of Sec. 36a-809-13. They don't have verifiable information to do so and this is against the FDCPA law, therefore this account needs to be deleted from my credit report immediately. This company is also in violation of not being licensed in my state to collect any alleged debts that they say I owe.
Consumer complaint received 2015-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (VA)

The debt being reported on my credit report is a corporate debt. My name is XXXX XXXX XXXX, I once owned a XXXX with a separate tax ID known as XXXX XXXX XXXX, XXXX. I opened a XXXX account in the corporations name, with NO PERSONAL GUARANTY. I did not provide my personal information. XXXX had tried through several collection companies to collect this debt against the company that I no longer own and was out of business years ago. This new company, ERC Collections, is reporting it on my PERSONAL credit file as a delinquent account collection. This has caused XXXX account to be closed already, and several to be placed under review and I was declined for something as well. ERC Collections can see the Tax ID on file, and STILL reports on my credit file. I have disputed with ALL of the credit bureaus but ERC Collections STILL says it is my debt. I have verified with XXXX this was a BUSINESS account in a corporate name with NO PERSONAL SSN OR GUARANTY ON FILE, only the business credit Tax ID. I have given all of this to ERC yet they STILL have not removed it.XXXXNot to mention when I first got the letter from them I called the very next day and disputed as well as sent a letter advising the valididty of this debt was disputed and listed the reasons why. Yet without verifying or reaching back out to me, they simply reported it to my credit report as if I had not dispouted it at all.
Consumer complaint received 2016-08-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (LA)

I made a loan from the company about a year ago and was not aware of the 800 % interest rate. Just recently i noticed that they are still removing money from my account. I borrow about XXXX and from my bank statements they have not stopped taking payments. I go to the website and they say I still owe XXXX! This place has stolen a lot of money from my acct.
Consumer complaint received 2022-10-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Thank you for providing a copy of the NOTE. This copy is surely diffrenet from previous versions that I have ever received On the last page it has a blank endorsement from countrywide official. Unfortunately this is a rubber-stamped signatures of XXXXXXXX XXXX XXXX which were surrogate signed onto UNDATED endorsements, meaning signed outside the presence and control of the authorized signor XXXX XXXX XXXX  XXXX XXXX I am uploading a case against defendants XXXX XXXX XXXX XXXX, BANK OF AM ERICA, N .A., XXXXXXXX XXXX XXXXXXXX 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. and XXXX XXXX XXXX ( Collectively referred to herein as the dkDefendants '' ) for their violations of the False Claims Act ( : kFCA '' ), 31 U.S.C. jj 3729 - 3733. this case was settled in favor of plaintiff as serious charges named XXXX and wrong doings were accepted by defendents. The foreclosure case against plaintiff was brought by XXXX but BOA accepted the flase claims of " robosigning '' of endorsing promiossory notes by XXXX XXXX XXXX. surrogates. Such is happening on my NOTE.
Consumer complaint received 2022-09-09
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. (IN)

This is a followup complaint to complaint id XXXX. I have filed another dispute -the same dispute - after the complaint was filed. 

I do not believe Equifax is looking into my dispute. XXXX XXXX XXXX  XXXX has reported multiple missed payments to equifax, those are false and neither XXXX of XXXX have these " late payments ''. When I call the credit card company they say that they can not find me in their system and therefore are unable to assist me. 

When I asked Equifax how are they verifying this information they tell me they call and speak with someone. 

Well I'm confused because the actual account holder can't call and be recognized so how can they? 

I've asked for the contact information they used and it's the same as mine. They never send me ANYTHING in writing about the results, the status or ANYTHING. I just so happen to check online and it says completed but then I can't see any results online so then I have to call and get absolutely nowhere. 

They are brazenly reporting inaccurate information and are doing nothing or the sort to even be helpful.
Consumer complaint received 2022-09-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (SC)

I previously logged a complaint with the Federal Reserve and their response suggested I log a complaint with CFPB. On XX/XX/XXXX I contacted Goldman Sachs to request that my CD account of $ XXXX be closed. After trying for hours to reach them, it became necessary to try the next business day. On XX/XX/XXXX I tried again, without success in reaching an agent directly. I then used their call back system and received a call back several hours later. After the agent verified me, I respectfully asked that my CD account me closed and that the funds be deposited into my Goldman Sachs savings account. The agent informed me there would be a {$600.00} penalty for early closure and that my funds would be transferred that business day. On XX/XX/XXXX, I logged onto my account but found the closure was not processed. I again reached out to Goldman Sachs and was told the request was in process. On XX/XX/XXXX, I logged onto my account and again found that the closure was not processed. I again contacted Goldman Sachs and was assured that my account would be closed but the agent could not confirm when. They simply told me they were 'busy due to interest rate changes '. I was frustrated as the written CD contract was breached by Goldman Sachs yet they still were charging me {$600.00}. The following week, now Monday XX/XX/XXXX I logged onto my Goldman Sachs CD account and found the closure had still not been processed despite confirmation that it would happen. That day, I spent the better part of the morning contacting Goldman Sachs and waiting for a call back. In all it probably took me close to XXXX hours over 6 days to get them to comply. I finally got a call back on XX/XX/XXXX, and was told by an agent that my request was in progress but that they could not confirm when the account would be closed. They cited that they would give me a good faith credit of {$100.00} because of the delays. I explained this was not acceptable and that I needed the money for a home purchase. The agent said they could not confirm when the funds would be available but that it was in process. I asked to speak to a supervisor. I was told that my request was acknowledged but that it would take approximately 48 hours for a supervisor to call me back. I explained to the agent that they were in violation of their banking policies and those of the FDIC. I also let them know of my intentions to log a formal complaint with the FDIC. I contacted the FDIC who in turn referred me to the Federal Reserve. Following my complaint with the Federal Reserve I have been referred here. Ultimately, I did get a call back from Goldman Sachs and they finally closed my account and remitted the monies to my Goldman Sachs savings account on XX/XX/XXXX - nearly a week after my initial request was submitted, acknowledged and verified. I feel they were in gross violation of federal banking policies and guidelines and knowingly prevented me from gaining access to the money on deposit with them.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (GA)

Credit Karma has continued to give false pre approvals to my email just to be denied just like before! As stated by the FTC, Nearly One Third of Some Pre-Approved Offers Resulted in Denials ; Company to Pay {$3.00} XXXX and Halt Deceptive Claims in which I was just affected by.As well as, Credit Karmas false claims of pre-approval cost consumers time and subjected them to unnecessary credit checks, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC will continue its crackdown on digital dark patterns that harm consumers and pollute online commerce. Credit Karma provides tools that allow consumers to monitor their credit scores and credit reports. To use Credit Karmas services, consumers must provide the company with a variety of personal information, allowing Credit Karma to amass over XXXX data points on each consumer, including credit and income information. Credit Karma uses that information to send targeted advertisements and recommendations for financial products, like credit cards.
Consumer complaint received 2022-09-09
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)

Equifax REFUSES TO SUBMIT POLICE REPORT AS A PART OF THEIR INVESTIGATION WHEN COMMUNICATING WITH CREDITORTS. THE ACCOUNTS LISTED BELOW ARE FRAUD AND I AM A VICTIM OF IDENTIFY THEFT. MY NEXT STEP WILL BE TO FILE A CLAIM AGAINST EQUIFAX UNDER THE STATURES OF LAWS IN THE STATE OF VIRGINIA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX : XXXX Date : XXXX ACCOUNTS OPENED FRAUDULENTLY To Whom it may concern : Im officially disputing accounts ( below ) opened in my name due to fraud and identify theft. An unknown suspect ( s ) used my social security number and other personal information to open credit cards, obtain car loans, lines of credit, un-authorized inquiries, and other accounts without my consent or authorization fraudulently. Below are the accounts that were opened due to Identify Theft and without my consent. Please remove these accounts from my credit profile Expeditiously and Immediate. 

Creditor ( s ) Date opened Acct # Reason ( s ) XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XXXX XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently XXXX XXXX XX/XX/XXXX XXXX Not mine/Account opened fraudulently
Consumer complaint received 2015-07-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (TX)

I paid off most of the loan and my husband lost his job which put me in a bind to have to pay off all the bills so I fell behind on the loan now Continental Credit is calling my job and my Supervisor wants the calls to cease or she will get the company attorney to file a suit against them. Continental Credit in XXXX Texas needs to stop calling my job asap. I spoke with XXXX on XXXX/XXXX/15 at XXXX ( XXXX ) and asked her to cease the calls. She said that 's fine and they would n't call anymore if this continues I will sue them. 

XXXX XXXX
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CO)

Robinhood has removed over {$18000.00} from my spending account with no explanation of where the funds went, or when or how to access them. Robinhood also transferred {$100.00} and change from my brokerage account to a linked checking account without permission or explanation.
Consumer complaint received 2022-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

The company lowered my monthly payment from {$290.00} to {$50.00}, thereby extended my repayment date by over XXXX years. I am XXXX months away from full repayment, and they want to add XXXX years and collect roughly an extra {$500.00} in interest! I did not request this. This is nefarious and a desperate way to collect more interest from someone about to pay them off.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (FL)

I, consumer XXXX is holding Ed Financial responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. Ed Financial continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. For example, on one of my consumer reports, EdFinancial is reporting I was on time in XX/XX/2019 and 90 days late XX/XX/2019. How that be correct from being on time to 90 within 30 days? I have reached to EdFinancial numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Consumer complaint received 2022-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (MI)

hello, to whom may concern I have a common name and people have been stealing my identity and income taxes etc since 2010 and credit bureau have be giving false infomation to lenders and other people for the longest time and im tired of it
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (NC)

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 a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-02-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (CA)

BRIDGECREST Acceptance Corp has committed fraud, theft and unlawful repossession, and extortion along with mail fraud amongst violating Regulation Z, FDCPA, TILA, EFTA, ECOA, Collection of extensions of credit by extortionate means. BRIDGECREST Acceptance corp also has committed identity theft for the alleged car loan, which is a fraudulent loan using my identifying information along with my credit card. BRIDGECREST Acceptance corp claims to have lend me money or lend me credit for the purchase of my vehicle, when in fact federal law proves they haven't and can not legally or lawfully according 12 usc 1431. This vehicle was purchased on credit during a consumer credit transaction which BRIDGECREST Acceptance Corp fraudulently misrepresented as a alleged car loan. BRIDGECREST Acceptance Corp is not a financial institution, it is a debt collector and has committed larceny stealing my vehicle and extortion demanding I pay the alleged debt in full to get my vehicle back before BRIDGECREST Acceptance Corp sells my vehicle. BRIDGECREST Acceptance Corp used a unauthorized third party to steal my property and has not revealed where my stolen property is being kept.BRIDGECREST Acceptance Corp is not a creditor it is a assignee of the alleged contract which was fraudulently concealed as a loan .BRIDGECREST Acceptance Corp is criminally liable for knowingly and willfully giving false information in regards to Truth in Lending Act disclosures about the alleged required down payment of {$2600.00} cash which was fraudulent and intended to deceive me and violated 15 usc 1605a Finance Charge.
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

I went to AnnualCreditReport.com to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " regret '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return P.O. address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.