davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC (CA)

I opened a case with CFPB ( XXXX ) on XX/XX/2022. The company responded quickly on XX/XX/2022. They stated they would resolve the situation, " As part of our investigation, we reviewed your account history and submitted a request to each credit report agency to remove the account from your credit report. Please allow up to 30 days for the update to be reflected on your credit report ''. I was very happy with the decision. I waited patiently for 60+ days for the account to be removed from all agency reports. They were not removed, so I emailed the company on XX/XX/2022. I have not received a response. I am only asking for them to follow through & remove the account from my credit. 

I am attaching the original case & response from the company stating they would request the removal of the account from my credit history.
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NC)

My lease wasnt over until XX/XX/XXXX I moved XX/XX/XXXX when I moved I clean the apartment only things was broken was a door that already had a hold in it but was patched up with mud my rent was XXXX I was told if its not rented by XXXX I would have to pay for that month rent now I also paid a deposit when I move there I receive no deposit money back no letter or anything but the place did get rented before XXXX this I know because I still talk to my old neighbor that still live there right now to this day its not fair for companies to do ppl like this when they move take my deposit and charge me way to much for a door that was already broken to begin with in the first then sneak and put this on my credit report not once have my rent ever been late not once this not fair even if it got rented in late XXXX I understand I would still own some money but lets be fair XXXX plus dollars is not fair when I had a deposit that wasnt returned to me we can come to agreement of XXXX that would mean Im still out of my deposit Im fine with that
Consumer complaint received 2022-04-12
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (NV)

A card was opened for XXXX XXXX in my name. In XXXX of 2022 I sent an Identity Theft Report to Equifax to get the XXXX XXXX account removed from my credit report, but it has not been removed. Before the Identity Theft Report was sent to them I unsuccessfully made an online depute and wrote a letter after the online dispute. Nothing has seemed to work. Equifax has not removed this account from my credit report. It was opened by a friend of a friend who thru the mutual friend gained access to all of my informs and began opening varios credit cards in my name.
Consumer complaint received 2022-04-12
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. (NY)

some of the credit inquiries on my reports I dont recall like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX XXXX I definitely don't know or recall any of these inquiries. These ruin your credit and prevents you from obtaining more credit like leases, loans, mortgages and higher limit credit cards, preventing me to live a better life or to help the economy. 
And secondly they have an applied bank card on my report for 7 years stating that I owe {$1100.00} or something. I had owed just {$490.00} and 7 years ago, so according to the law of an act of a contract in new york after 6 years the contract is over, finished and not valid, and therfore have to be removed off my credit report. So both of these situatios the credit bureaus are 100 % guilty and in violation of privacy and consumer credit laws and should be prosecuted and fined and sued to the fullest extent of the law as they continue to XXXX the residents and citizens of United States. I've disputed these things at least 2 times and they either don't respond or doesn't provide any evidence against me. Please make them remove all negatives off my reports asap thanks.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sessoms & Rogers, P.A. (NC)

I received correspondence from Sessoms & Rogers P.A. Claiming that I owe a debt to an XXXX XXXX XXXX, and threatened to file suit. However, I have never gotten into any kind of business/financial transaction with this company, not have I signed or agreed to pay any sort of debt to them, and the majority of what was in the packet that I received is 15-20 pages of either blank pieces of paper or papers that just say redacted line after line with no other information. I have tried to contact Sessoms & Rogers through both phone and email, their phone number I only get directed to voicemail, and in their packet was a email address that was slightly misspelled from the address on their website, which makes me feel like its a tactic to prevent you from starting a dispute in order to easily get a default judgement on someone since the email will never deliver. 

I am requesting that they prove that I am somehow responsible for this debt that they claim, that it is within the Statute of limitations, and that the amount is in fact accurate. I do not agree with their claim in any way shape or form.
Consumer complaint received 2022-07-29
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. (TX)

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX  XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX XXXX XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and XXXX and a status of CLOSED on Experian. There is NO payment history on XXXX, the payment history for XXXX shows positive, missing, and late payment history on a closed account, and Experian reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Social Finance, Inc. (PA)

I filed the dispute on XX/XX/XXXX with SoFi credit card of {$30.00} purchase. I was told by XXXX XXXX ( Dispute Operations ) I need to submit some of the documents. I sent her fax, emailed her twice, called her more than 20 times and left her voice messages. She never replied. She sent me a letter on XX/XX/XXXX and said she didn't hear back from me, so she closed the dispute investigation. 
XXXX XXXX Phone number : XXXX extention XXXX. 
email : XXXX Fax : XXXX Then I called SoFi customer service many times, but no one could help with the {$30.00} dispute.
Consumer complaint received 2022-07-29
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. (TX)

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX  XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX XXXX XXXX  the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on Transunion and XXXX and a status of CLOSED on XXXX. There is NO payment history on Transunion, the payment history for XXXX shows positive, missing, and late payment history on a closed account, and XXXX reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Consumer complaint received 2022-08-23
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched onhow to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : XXXX to file a report and Per FCRA section 605b Credit ReportingAgencies are required to remove/block any items listed on an id theft report. Please find theATTACHED documents to assist in the blocking of the erroneous information which is being posted tomy report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$7100.00} CITI XXXX Balance {$10000.00} XXXX XXXX BANK XXXX Balance {$7900.00} XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX  XXXX XXXX Balance {$2700.00}
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST (CO)

I received 3 letters in the end of XXXX stating that I had opened 3 new checking accounts in my maiden name. I tried calling their customer service multiple times, sitting on hold for over XXXX minutes each time, and never got ahold of anybody. A week later I received 3 letters in the mail saying that I had successfully signed up for overdraft protection on all 3 checking accounts, on XX/XX/XXXX. I have never done business with this company before. I called their customer service again and waited on hold for over an hour this time. Finally I reached someone and told them the situation, they assured me they would close all three accounts, and notify their fraud department to research it. Today I received 2 letters in the mail saying that as of XX/XX/XXXX, 2 of those 3 accounts are overdrawn. I tried calling customer service again and waited on hold for over XXXX minutes, but did not get to speak to anyone. I do not want to be held responsible for these fees and loss to the bank since they did not cancel the accounts as I had directed weeks ago. Can you please help me?
Consumer complaint received 2018-05-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I don't feel like I should be responsible for repaying a loan and the school has since closed. I have no positive out look as to furthering my education. No one will accept their credits and I will have to start all over as if I never went to a suitable school. I think it is unfair to me and any other students to pay for a degree that has no value. I attended XXXX XXXX XXXX XXXX, Georgia campus in XX/XX/XXXX and completed in XX/XX/XXXX. I have contacted the loan company so that it can be dissolved and was denied early on in XX/XX/XXXX. I worked very hard through XXXX, XXXX and XXXX just to hit a dead end!
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (FL)

I checked my credit report in approximately XXXX and disputed an attempt to collect a debt from a company claiming I owed them rent money. Several attempts made to contact representative via phone failed, I just called her again at XXXX XXXX XXXX and the rep is on break again. They claim I owe them {$140.00}. On recheck of my credit report today, another attempt to collect a debt from a different company claiming I owed them a significant amount of money, {$15000.00}. Communication with RDAC was established, with the representative placing a fraud alert on the account and attempting to contact business. They are sending packet to complete for fraudulently activity, recommended I file a police report and take steps to further secure and protect my identity. I do not, nor have I ever resided or attempted to reside in the areas these companies/business are located.
Consumer complaint received 2022-04-12
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. (OH)

On XX/XX/2022, I received a notification that Equifax added a negative account to my credit report that I have no knowledge of. This isn't the first time Equifax has violated my rights. The account is from XXXX XXXX XXXX, whom I've never done business with for the amount of {$120.00}. Equifax left a completely false and dishonest comment on my credit report claiming " Account information disputed by consumer, meets FCRA requirements ''. I know for a FACT that's a lie because I've never done business with this company and I NEVER received ANY and ALL completed documental evidence concluding this investigation since it " meets '' FCRA requirements. Where are my investigation results that are to be sent to me by law? How was this information verified and by who? When? Where?
Consumer complaint received 2022-04-12
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Reference # XXXX, XXXX XXXX XXXX  account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

Its Netspend by XXXX, my card and phone were stolen and I lost {$2300.00} out of my account i followed the steps filed a police report canceled my card and provided all requested documentation for my claim and not even 8 days I received a denial letter they hadnt even received my police report over the mail yet. Iam covered by the guidelines of the fdic and Netspend is refusing to help
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, Citibank sent us a letter saying that for an unstated reason they were closing our primary, 30 year old checking account on XX/XX/XXXX and that our debit cards would be blocked 5 days prior. This is the account into which all our income is directly deposited and from which our bills are paid. Our daughter received a similar letter regarding her savings account the day before. 

We called the telephone number on the letter the day we received it and were told that the letter was sent in error and that we could ignore it. On Saturday XX/XX/XXXX, we discovered that our debit cards were blocked and that we had no access to our accounts on line or at ATM. We called and were told that there was nothing that could be done since it was a week-end. It was in fact a holiday week-end and banks were not open until Tuesday, XX/XX/XXXX. 

As of XX/XX/XXXX, the situation has been resolved after a branch visit and several hours of investigation. The one person responsible for our dilemma was on vacation from XX/XX/XXXX-XX/XX/XXXX. We never learned how the branch manager and his superior ultimately resolved the problem nor the reason for its happening. But the XXXX of those five days was terrible. We would have been without income for at least a month had that account been closed. Moreover, the failure of a global bank to be able to address so serious a mistake 24/7 is breathtaking and inexcusable. How can one person have that kind of power? 

Attached is a copy of our letter to the CEO of Citibank , N.A . and copies of the XX/XX/XXXX letters that both we and our daughter received dated XX/XX/XXXX.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

ive been in contact with XXXX XXXX in regards to a public record on my credit report. XXXX XXXX made a dispute on my behalf on XX/XX/2022 dispute # ( XXXX ) to XXXX XXXX, and equifax and with no reply stating they have no record of a public record bankruptcy on my credit report they never replied 30 days has exceeded from first dispute. after awaiting the resolution of the dispute i called back XX/XX/XXXX and filled a second dispute ( XXXX ) still after 5 days no reply today XX/XX/XXXX i personally also filled a dispute and asked about prior dispute on my behalf they claim to never received a dispute. ive also filled a dispute before they claim they receive information form XXXX XXXX
Consumer complaint received 2022-11-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (OH)

Account name SOURCE RECEIVABLES MNGMN Account number XXXX Date opened XX/XX/2022 Status Collection account. {$3.00}, XXXX past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX {$3400.00} XXXX updated XX/XX/2022 I have disputed this account numerous times. I did not open any account in XXXX of 2022. I have no recollection of this account. I have tried to contact them multiple times and they refuse to explain account or verify information.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OH)

Just recently called Chase Bank to consolidate two credit cards. I asked for a credit line increase on one of my cards. I have a Chase freedom and a XXXX credit card. I asked to move my available credit limit from my XXXX card to my Chase freedom card. My credit was ran against me asking and caused an inquiry on my credit report
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

Called in to Us Bank waited about 2 hours on hold, due to covid 19 my husband has been laid off and as far as we were informed they are to offer some type of relief for this horrible situation. The relief they offer is to skip 90 days of paying our mortgage and will have to pay all 90 days that were not paid at the end of these 90 days how is that considered ethical ... this is not help if a customer is not working how will XXXX XXXX dollars just be easy to pay when you dont have it month to month. Please help, I know other banks have better options, they need to comply also on this pandemic we have going in the US.