davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (SD)

On XX/XX/2018 we deposited a substantial check from a County Department, in person, to an employee at a US Bank during business hours. Because we were 11 minutes past their cut-off time the check was marked as deposited in our checking account on XX/XX/18 at XXXX. We called US Bank on XX/XX/XXXX and XXXX and both times were told we could not access our money. On XX/XX/XXXX we also checked with a County Finance Officer and were told the funds had been withdrawn from their account in XXXX XXXX. We also received a letter from US Bank dated XX/XX/18 that stated a hold had been placed our deposit because " we had information that leads us to believe that the check may not be paid ''. The cash was finally made available to us on XX/XX/XXXX. We had no prior knowledge of the bank 's cut-off time or that the amount of the check would require a longer check hold. We understood that a government check should be processed in a day. We've had an account with US Bank for over 30 years and never had a problem so we were very disappointed with this transaction.
Consumer complaint received 2018-10-25
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: CORELOGIC INC (FL)

since XXXX, these companies have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the companies are currently reporting to the three credit bureaus that I had applied for credit with their organizations. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 

These inquiries have affected my credit dramatically. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These companies have requested a copy of my report without my consent. 

These are the following UNAUTHORIZED AND INACCURATE credit inquiries ( Validation is needed ASAP ) : XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXXXXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX Credco TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Credco TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (TN)

XX/XX/2022 I received a text thanking me for signing up for their XXXX  texts and I have no idea who they are and never signed up for anything. They also apparently emailed me a whole bunch was in my spam folder but again never gave them my contact info.
Consumer complaint received 2018-10-27
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. (AZ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB please remove XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A. (PA)

XXXX  would like to be updated on my bank balance.  XXXX  said : " Your bank balance is n't always fresh. We do all we can to keep it up to date, but your bank has been slacking on sending over your info. ''
Consumer complaint received 2022-07-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (GA)

on XX/XX/XXXX I applied for a small loan with River Valley loans they approved me for {$680.00}. Doing the process they never mention the interest rate I didn't find out about the interest rate until I log on to my account and reviewed my loan documents. The annual percentage rate is 690.15 % with XXXX payments of {$91.00}. I was going to pay the loan off within a month but it seem impossible because I was still owe them money being that most of my payments would go towards interest. I called them XX/XX/XXXX to see could they do a calculation of how much over should I pay a week to get the loan paid off quicker the company act like they didn't understand what I was saying. So I explained to them if I were to pay the {$680.00} next week how much would I still owe you all with the interest rate. They lady who I spoke to over the phone said I would still owe them {$700.00} which is ridiculous. On XX/XX/XXXX my loan went from {$680.00} to {$690.00} then on the XXXX it has went up to {$730.00}. I made another phone call XX/XX/XXXX to see if I could lower my interest rate she said they will give me a follow up on the XXXX about lowering my payments. My problem is the interest rate is to high for a small loan amount and I wouldn't get the loan payed off quicker.
Consumer complaint received 2018-10-25
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: JPMORGAN CHASE & CO. (UT)

XXXXXXXX XXXX  client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to XXXX XXXX XX/XX/XXXX, Chase credit card XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.
Consumer complaint received 2022-10-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC (NY)

I am an XXXX on XXXX XXXX... XXXX XXXX I was looking for a Home Equity loan to do some home improvement work. Was approached by this company XXXX BHG - Bankers Healthcare Group ) at work who said they could get hospital employees special loans with low interest and fees. Never really read the paperwork and didn't put two and two together that loans were in my name as a XXXX. Applied and was given a loan - made payments with no problems until XXXX when, as a nurse I got XXXX and was hit hard. Now XXXX  from long XXXX and only just went back to work full time, but have significant other debt from being out and sick. When I called BHG in XXXX to get them to work with me, they were totally nasty and un-accomodating. I had to prioritize bills and pay my mortgage to keep my house first and foremost. After trying for 6 months, they stopped taking my calls. I was dealing with increased health issues and forgot about it. 2 months ago in XX/XX/XXXX, I received notice from some upstate court in XXXX XXXX, that they won a lawsuit against me and were going to garnishee my paycheck going forward. I can't afford for this to happen, I will lose my home. And I was never served at all with court papers, and don't understand how they had standing in a far XXXX XXXX when I live on XXXX XXXX in XXXX XXXX, NY. I was told by a law firm since then, that there is already a sheriffs order to garnishee my check and because they won in court, I have no recourse despite never getting notice of any lawsuit. Any advice or direction you can give me is greatly appreciated. It seems there are several class action lawsuits against them for predatory lending, excessive fees and interest and using XXXX before all names on their loans to avoid NY State lending laws that require more upfront disclosures than they get away with using DBAs and classifying these as business loans. I am not a business or XXXX but a XXXX employee. Help! Please!
Consumer complaint received 2018-10-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: ONY GLO, INC. (CA)

I went to OGI Mortgage Bankers to help me with an equity line of credit against my property so that I could pay off current good credit cards and prepare to invest in about 6-8 months. XXXX XXXX, the Loan Manager agreed to work with me, but he failed to provide an ethical process and my credit profile was damaged. 

The list of issues outlined below is taken from an email that I sent to the attorney of OGI Mortgage Bankers/Ony Glo, Inc. 


1. My credit score was NOT an issue when I approached XXXX of OGI Mortgage Bankers, for the Equity Line of Credit request. I approached XXXX for an Equity Line of Credit because I was looking to invest in property within the next 8 months. I wanted to pay off my current debt to raise my credit profile so that I could invest. 
2. XXXX began the process to re-finance my property because he said it was a quicker and surer way to resolve debt and raise my credit profile to expedite investment opportunities. 
3. My credit and/or score was NOT mentioned as a problem to secure the re-finance. My outstanding student loans was mentioned as a factor. 
4. When XXXX failed, to his own written admission, to provide what he promised, I requested him to cease ALL loan processing. 
5. I secured an Equity Line of credit loan ( as initially requested ) within 3 weeks by XXXX XXXX XXXX. 
6. XXXX was negligent, unprofessional, and dishonest. This has negatively impacted my credit. I am requesting OGI to make this right!
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (NC)

Thank you for your time and patience in reading this letter. I am writing to you because in the beginning of 2018, I realized that I had an account showing on my credit report as closed of {$290.00} from XXXX XXXX XXXX. That really bothered me because I previously had XXXX  after they bought out XXXX, in which now I have XXXX XXXX. I'm requesting that the negative information be updated and not reported to the 3 major credit bureaus, do to the nature of trying to achieve personal goals to maintain a better life for myself. This information being reported is over 5 years old and I'm just recently seeing it.
Consumer complaint received 2018-10-25
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: Carter-Young, Inc. (GA)

My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the credit bureau. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

In XXXX of 2022, I contacted the student loan service department concerning accounts showing as late payments and was assured this was not from their reporting. My actual account information from the loan servicer shows the accounts are in XXXX XXXX XXXX XXXX and never late. However, the credit reporting sites continue to have this erroneous information on my report. I have requested it to be removed to no avail. Please correct this information as it is causing emotional stress to me. 

Warm regard, XXXX XXXX
Consumer complaint received 2022-07-22
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. (GA)

I ordered a copy of my report last XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account, I believe it was reporting in error. 

XXXX XXXX XXXX : {$290.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2018-10-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened my account with Citibank back in XX/XX/2018 under the promotion bonus of depositing {$15000.00} ( within first 30 days ) and maintaining it for 90 days to earn {$400.00}. I had completed the deposit as soon as I was able to access my account online, and the money is still in the account from XXXX through end of XXXX now. I have for more than 60 days for them to deposit my bonus. My last complaint was filed on XX/XX/2018 with reference number XXXX. I prefer to be contacted via email, I was told they would resolve the issue with 24-48 hrs and the promotion team is working on it. I checked again on XX/XX/XXXX via online chat and was told I should hear back in 24-28 hrs. I contacted them today via online chat and the rep said they have until XX/XX/2018 to respond ( not resolve ) to the query. This is the first time I am being told about it. Upon further questioning, I was told to contact Central Dispute unit. 
When I did that via phone, I was told they are working on it. I told them this is not a fraud issue, it is a simple straight forward question of whether I have met the requirements and when they will deposit my bonus. The rep did not answer it. When I pressed further how long it would take " and do I have to wait a decade for an answer to the query '' she said the 24-48 hr timeline is incorrect, she does not know why I was told that and that they can take up to 45-60 days just to respond to the query ( not resolve ). 

I feel they are not honoring their terms. And skirting the rules. Please help me get this resolved.
Consumer complaint received 2022-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (TX)

On Monday XX/XX/2022 I reached out to Mariner Finance to negotiate debt settlement and ask questions in regards to how I can better my credit score. When talking to the rep she was very aggressive and started blaming me for not paying my bill and then started to scold me on the very matter. I said hey looked I am XXXX and have reasonable justification to why I needed to negotiate the debt owed as well as negotiate negative annotations on my report. The rep then said 'oh just because you are XXXX that means you can not pay up '. This is a direct violation in accordance with the American with XXXX act and due the exacerbation and harassment on my condition by the company 's representative. I had to end the call abruptly because of the negative toxic treatment.
Consumer complaint received 2022-08-01
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. (FL)

In accordance with the Fair Debt Reporting act XXXX # XXXX, has violated my rights. 
15 U.S.C.1681 Section 602 A. States that 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 an account without my written instructions.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Had a PayPal Credit account financed by Synchrony Bank closed abruptly and without warning. This account was opened in XXXX with a limit of {$1200.00}. This account had a very low balance ( ~ {$100.00} being utilized ) at the time of closure. In XX/XX/XXXX the account was closed by Synchrony Bank ( creditor ) according to a phone call placed to XXXX on XX/XX/XXXX. Originally called PayPal Credit who said a letter should be mailed out and to contact XXXX. Called XXXX  and was told to contact the creditor for additional information. Tried multiple times but is impossible to contact a service representative for information. This sudden closure damaged by credit score and erased years of positive progress.
Consumer complaint received 2022-06-09
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. (NV)

In accordance with the fair credit reporting act XXXXXXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX  ( Finance ) XX/XX/2021, has violated my rights, by farming my information out resulting in multiple inquiry negatively impacting my credit report. 

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 2018-10-25
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. (HI)

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-04-25
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. (CA)

I am a victim of Debt Parking! the bureaus have allowed illegally parked an illegal debt on my credit file. I have contacted each bureau and requested that they validate this account. These creditors have called my job relentlessly each time I explain that this is not my debt I am threatened with a warrant for my arrest being issued. I recently applied for a new position and my credit report was requested I was denied the job due to a low credit score. My credit score has been adversely affected by this Parked Debt. This is an invalid debt and THE BUREAUS ARE THE BAD ACTORS!
Consumer complaint received 2022-07-25
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. (DC)

All of my student loan accounts were paid in full as of XX/XX/22 and the credit agency refused to report a XXXX balance on all of them and mark them as paid. The last update they had was XX/XX/22. They did not update my file intentionally even after they were given proof of paid status.
Consumer complaint received 2022-07-22
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. (IL)

XXXX OF XXXX CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IM USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. 

I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.
Consumer complaint received 2022-10-25
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. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX NC XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance XXXX {$0.00}.