davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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 (WA)

Dear CFPB, My card is associated with apple account : XXXX My Apple Credit Card ( Goldman Sachs ) is closed for no reason. They locked my card on XX/XX/2022 and told me to contact customer service, however, every time I contacted them, they did not give me a specific answer. They always told me that some one from an internal team will call me back. They did not give me a reason why my account is restricted. On XX/XX/2022 they closed my account with no notice and pre-notice or anything. They closed my account with out any reasons to me. This really hurt my financial situation and health. Please help me appeal them. Please see attached file for the conversation. They told me they restricted my account to protect me, and then they closed it.
Consumer complaint received 2022-09-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I filed a online dispute with Equifax and informed them of identity theft I have been a victim of. I disputed multiple items, please see attached, and supplely they investigated the issue, remind you less than 12 hours they have a final decision. This is XXXX, they did not investigate this. I am a victim of identify theft and the items on my credit i reported to Equifax I did not make
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (HI)

My name is XXXX XXXX, born XX/XX/1975, with mailing address of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

Someone seems to have created an account on your site, frauding as me, and has changed my age from XXXX to XXXX online, and destroyed my credit. 

I have sent credtified letters, and called many times. Your team does NOT help. They are nice, but repeat same double talk. 

I dont know who created the account, with what email, but they have ruined my life
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (CA)

California Bank & Trust is a divisions of Zions Bancorporation, XXXX. 
I was disputing escrow payments and finalizing a loan modification in early XXXX. I was told that escrow payments for my property insurance would be removed once I 1 ) signed the loan modification agreement 2 ) allowed for a couple of new loan modification monthly payments to process and 3 ) paid off the balance on the escrow. I did everything the bank asked and paid {$3700.00} on XX/XX/XXXX. I mailed a letter requesting removal of the escrow on XX/XX/XXXX and the bank said my request was denied. Now I have to pay a higher mortgage every month and I can't pay my monthly bills. XXXX misrepresented themselves to me and explicitly told me they would remove the escrow payment if I would just sign the loan modification documents. The misrepresented themselves again when they told me to pay {$3700.00} and they would remove the escrow payments.
Consumer complaint received 2022-09-24
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. (MD)

According to XXXX 's XXXX XXXX XXXX XXXX. defines XXXX as : Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXXXXXX XXXX XXXX  XXXX ; XXXX v. XXXX, XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX. You have to have documents that support your claim that you verified the accuracy of the disputed item ( s ). Its the business record ( the documents ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s I dont have a contract with a signature attached and the credit agency has failed to provide physical proof I don't have documentation in my records of XXXX XXXX XXXX for {$140.00} I dont have documentation in my records for municipals credit union for {$3300.00}
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

On XXXX of XXXX XXXX was used for purchase of {$300.00} worth of product. Have been making minimum payments plus additional promotional payments of {$50.00}. Have requested several times to have XXXX payments of {$50.00} to be allocated to promotional balance only. When I spoke to XXXX they stated that the payment had to allocated to the revolving balance because of the billing cycle. If my payment is not due yet why can't I have the funds allocated to the promotional balance. I have called several times and they tell me they will allocated but then it never gets done. Company is not willing to allocate my payments the way I need them to be allocated. Not to mention my account should be under SCRA.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Today XX/XX/2022 I called XXXX XXXX XXXX to pay the deferred amount that was required during the timeframe of my former husband who has subsequently died. I called to pay the {$6000.00} and wanted to make the payment via a telephone payment. I was told has an alternative to send them a check via email and they said I have to send the check snail mail. I advised XXXX that I did not have confidence in the postal service because I have ordered a new ATM card that has yet to be delivered. 

I was also told that I would have request that the funds be applied to repay the XXXX that I needed at the time. That's what I understood would happen if I wanted to pay it sooner. Not SO! 

As a result of this this is what is TRIGGERING THE BALLOON NONSENSENSE. OR THATS WHAT THEY SOLD THE CONSUMER! SWITCH AND BAIT! FRAUD!
Consumer complaint received 2022-09-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I mailed US post letters to the Credit Bureaus of XXXX, XXXX, and Equifax XX/XX/2022 about responding to inaccuracies that is affecting my creditworthiness. I followed up 30 days later for update of letters, with no responses.
Consumer complaint received 2022-09-24
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. (CA)

On XX/XX/2022 my personal information was used to open an account with " XXXX XXXX XXXX'. I don't know who stole my identity but I am certain I have not applied for this account myself. Therefore this account is fraudulent due to a fraudulent application under my name.
Consumer complaint received 2022-12-05
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: Kikoff Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name : XXXX 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 1681c. ( a ) ( 5 ) Section States : no Complaint De...

consumerfinance.gov In | 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Servatus Corporation (GA)

On XX/XX/22 around XXXX. I received a call from a man. He introduced himself and stated he was calling form XXXX, He said, I am going to make this quick. I am calling about your account you have with us, I said I am sorry I dont have an account with you he said yes you do I said no I do not have an account with XXXXXXXX XXXX He yelled check your credit report lady and hung up. I then called back, and he answered the phone now irate if you dont have an account then why are you calling and hung up again. I then called back several times to attempt to resolve this but he kept answering the phone and putting me on hold.

So I did check my credit report and to my avail, this company has checked my credit as if I applied for credit with them as a hard inquiry, which means I AUTHORIZED this request which I did not. 

My rights have been violated under the FRCA with these aggressive and outlandish collection tactics.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I have not only contacted the bureaus but I also reached out directly with the creditor thats reporting the inaccuracies and they sent me documentation stating I was in forbearance during the time frame that they are reporting the late payments. In order to report that I was ever late they should have documentation supporting their claim and they do not. 

15 U.S.C 1681 602A states that U have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions. Not only have they not verified this information they are unjustly causing me harm to being able to have an Accurate credit report and maintain my rights as a consumer.
Consumer complaint received 2022-06-08
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. (AL)

In accordance with Fair Credit Reporting Act, XXXX, XXXX XXXX, Equifax have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX ( XXXX ) acct # XXXX ... ending in XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 USC 1681 section 604 a ( 2 ) a consumer reporting agency can not furnish information without my written instruction 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

15 U.S. Code 1681l consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) reporting confidential/private information has caused adverse actions in my livelihood, causing me to be oppressed note balance and high balance are incorrect causing harm to my score
Consumer complaint received 2018-05-25
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. (MN)

I requested credit limit increase on XX/XX/XXXX for my existing XXXX XXXX Credit Card. 

On XXXX website there was a disclaimer, " It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' I am including the screen print of their website for the reference. 

On XX/XX/XXXX, I received an alert from Equifax that, XXXX ran a credit inquiry on my credit report. I never authorize XXXX to run any credit inquiry, but it is reported on my credit report. Attaching that screen shot of Equifax page for reference. 

I dispute this inquiry with Equifax to remove unauthorized credit inquiry ( Dispute confirmation number : XXXX ) and they said, they can not do anything and asked me to contact XXXX directly. 

I contacted XXXX on XX/XX/XXXX and spoke with XXXX in customer service, She gave a reference number as XXXX. She said, she can escalate, but she wanted me to write a letter again to the bank. 

This is totally an unauthorized inquiry. Why should a common man like me need to chase behind the bank, when bank has done something illegal? 

There may be more people undergoing the similar issue without even knowing companies like XXXX run credit inquiry on their report without they authorizing. Common people suffer to fix their credit score for buying a house or getting a loan for their life. And here we are Victims due to business take advantage of common man. 

As per Fair Credit Reporting Act, When a creditor runs a credit check on an applicant without receiving authorization, they violated the Fair Credit Reporting Act. Congress enacted the FCRA in the XX/XX/XXXX to protect consumers from discrimination based on information in their credit profile. Each violation of the FCRA carries a penalty. 

I think these kind of misuse should be penalized and I would request CFPB to protect public.
Consumer complaint received 2022-09-24
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: WELLS FARGO & COMPANY (AR)

I have 2 hard inquiries on my credit report where someone is trying to open credit cards in my name. The first one is WF CRD SVC from XX/XX/2022 and the second one is XXXX XXXXXXXX XXXX XXXX  from XX/XX/2022.
Consumer complaint received 2022-07-04
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: CBC Companies, Inc. (TN)

upon checking report i notice fraudulent charges on my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (AZ)

To let you know that I was a victim of identity theft, I am sending you this letter of complaint. I have discovered that several of the account listed on my credit report is not mine or was opened without my knowledge. To help me remove this item from my report, I am requesting your help. The credit bureaus are required by FCRA section 605b to delete or block any accounts mentioned on an identity theft report. I have provided some documents to help in the blocking of the inaccurate information that is being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$850.00}
Consumer complaint received 2022-09-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have asked the ( 3 ) credit bureaus to do a thorough investigation and continued to find improper discrepancies, as my rights have been violated. 

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  Account number XXXX 15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 602A It also states a consumer reporting agency can not furnish account without my written instructions. 

The record continuously shows verified with no update in status date of verification and or providing improper discrepancies.
Consumer complaint received 2022-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

Ed Financial does not provide any transparency on the refund process. In fact, the company representatives are saying the refund process will take 6+ months. This is not okay as other student loan providers have a turnaround time of 6-8 weeks. Something fishy is going on with Ed Financial. It appears this company is delaying the refund process so that borrowers are forced to pay the accrued interest after XX/XX/2023. Please help.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

The companies of XXXX, XXXX, Lexis Nexis are reporting information on my credit report that was given my permission and using pre-purchased information from third party sites to report inaccuracies on my credit report. FCRA 611 ( 15 U.S.C. 1681I ) It is a violation and I verified with the clerk that they do not report to credit reporting agencies.
Consumer complaint received 2022-06-08
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. (CT)

UPDATE TO CLAIM # XXXX EQUIFAX is in Federal violations in many counts and is liable for damages and remedy under 15 USC 1681n and 15 USC 1681o and i DEMAND remedy and legal proceeding. EQUIFAX has caused me tremendous harm in the form of XXXX, anger, anxiety, lack of sleep and focus, lack of motivation in daily routines and severe stress. EQUIFAX is not taking me the consumer, FCRA and the CFPB serious in this matter and I demand remedy.as I requested in my invoice
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

This account is not mine. I never owned this account. I'm not responsible for this account. This is wrong and offensive to me! This account belongs to someone else.
Consumer complaint received 2022-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Miller and Steeno, P.C. (MO)

Approximately around XX/XX/XXXX I received a installment loan in the amount of {$690.00}. I fell on hard times and defaulted on my loan. XX/XX/XXXX a garnishment was filed in court in the amount of {$1700.00} with XXXX percent per annum. I completed the payments for this garnishment on XX/XX/XXXX. On XX/XX/XXXX another Garnishment in the amount of {$2600.00} was sent to my employer. I contacted the collection firm Miller and Steeno PC out of XXXX  XXXX MO to try to understand why I was being garnished again and I completed the last garnishment. I spoke with XXXX & XXXX, both these people stated that " it was the responsibility of my employer to contact them at the end of the loan to determine if there was an additional balance that needed to be paid '' and because they failed to continue payments I am now in default again and this continuous garnishment in the amount of {$2600.00} was due to interest accrued while making payments on the {$1700.00} garnishment. They also stated my employer should never stop making payments until they receive a debt settlement letter. As my employer stated, they cut the payments off once the requested amount on the garnishment is reached. My employer does not know to calculate interest into payments or to reach out to the collector to verify if there is still an outstanding balance. I did not know that that was something that had to be done. Unfortunately, I have been garnished before and this is the only company that has a continuous garnishment requesting ridiculous amounts of money when the principal amount has been paid plus more. The collection agency Miller & Steeno also stated to me that the next statement of judgement will be sent 6 months from the date of this second garnishment which they have a 6 month date of XX/XX/XXXX on my Statement of Judgment Balance remaining. This will continue to be an ongoing process as each continued garnishment accrues interest as I am making payments, so it will never stop I will always have a balance unless I make a lump sum payment that I can not afford to make, I do not have lump some money to give. I take full responsibility for defaulting on my loan and accepted that I had to pay back {$1700.00} as a result ; but at this point this will continue to be a thorn in my side like a never ending story as every time I complete one garnishment there will always be a remaining huge balance due to the huge amount of interest accumulating at a ridiculous rate for as long as I take to make the payments to settle one continuous garnishment. I can not for the life of me understand how this is legally possible to get a {$690.00} loan and to have to pay back at this point I'm at {$4400.00} and that amount will get bigger as the interest at XXXX percent per annum will continuously accrue while I am trying to make payments to satisfy each judgment. This is extremely heartless and straining on consumers trying to maintain in life.