davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-02-22
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: JPMORGAN CHASE & CO. (TX)

I was charged {$480.00} and {$75.00} on XX/XX/12 from XXXX. I disputed this amount with the bank. The bank issued a credit due to the dispute and XXXX sent refund check for each amount. The checks were cashed. XXXX billed me for both of the amounts. I contacted the bank 's chargeback department numerous times. I also went into the bank. I was advised to pay the charges. I did pay the invoices from XXXX. The bank has now rebilled my account for these charges.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

Dear CFPB, I am writing to file a complaint against Goldman Sachs regarding their arrogant, unreasonable, and unlawful practices regarding my credit card and saving account. 

Recently, I applied for a Goldman Sachs credit card through Apple and also opened a saving account. When I attempted to withdraw cash back from this card, I discovered that the card was issued in the name of XXXX XXXX, while my legal name, as stated on all my identification documents and XXXX XXXX records, is XXXX XXXX. Consequently, I am unable to make withdrawals. 

I have made numerous attempts to contact Goldman Sachs to resolve this issue, but they continuously transfer me from one customer service representative to another. 

I explicitly pointed out that the problem lies with Goldman Sachs using a name that has no legal basis to open my bank account. I spent a considerable amount of time proving this by calling my bank, XXXX. I fail to understand why Goldman Sachs can not simply change the name on my credit card to my legal name. 

When I was transferred to another bank representative, they informed me that if I wanted to change the name, I would need to provide court documents as proof. 

I am utterly perplexed. It is clear that Goldman Sachs made the error in my name, yet they expect me to provide court evidence. All my legal documents, such as my U.S. driver 's license and Social Security Number, bear the name XXXX XXXX. How can I provide court evidence to change my name to XXXX XXXX? 

The actions of this bank are not only arrogant but also illegal. They have allowed me to deposit money into an account with a name that lacks any legal supporting documentation. Furthermore, they unreasonably demand that I provide court documents. 

I urge the relevant authorities to closely monitor Goldman Sachs. They attract funds with high interest rates of 4.15 % while maintaining chaotic management. Such circumstances often lead to misappropriation of funds. For the safety of the U.S. financial system and the security of all small clients, it is crucial to expose this menace. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX Experian replied to my earlier dispute regarding inaccurate reporting from XXXX XXXX XXXX. Experian says the matter is unchanged. XXXX XXXX XXXX states that an account I had in XXXX was included in a recent bankruptcy. However, that is not correct. The item was completely paid in full in XXXX of XXXX with no late payments. However, Experian shows this is an item that is included in bankruptcy. How can this be true if the item was paid in full in XXXX. 

My report ( Experian shows timely payments with no lates and item paid off. But it also shows the same item as included in Bankruptcy. I requested this item updated or removed until update to no avail. 

The balance on this account was XXXX but the account was paid in full on XX/XX/XXXX.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Arcon Credit Solutions LLC (AL)

In XX/XX/2022, XXXX XXXX XXXX ( ACS ) begun managing my private student loan from XXXX XXXX XXXX The balance at that time was {$5500.00} ( and XXXX cents ). Since then, I have made monthly payments of {$460.00} to XXXX. Currently, this loan 's balance is {$930.00} according to both my own records and XXXX ' website. However, the credit report I pulled today, XX/XX/XXXX, says the " Reported Balance '' of this account is, bizarrely, {$4100.00}. Not XXXX of the payments I have been making all year to XXXX appears on this report. 

I have also today submitted a dispute to XXXX and an e-mail inquiry to XXXX.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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 15 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 2021-05-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION (OR)

On XXXX Light Stream reported a consumer credit transaction that arose my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction.

So it seems like Light Stream is violating FCRA by providing information on my consumer.

Below are the following things that should be excluded from my consumer report.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I was never given the opportunity to OPT out. 

The consumer credit transaction between Suntrust and myself should not be reported to my consumer report. I was never granted the right to opt out by Light Stream.
Consumer complaint received 2023-12-11
Product: Credit reporting 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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc. (PA)

Dear EASTERN REVENUE, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt.

To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt.

2 ) A detailed statement of the amount owed, including any fees or interest.

3 ) Evidence that this debt is within the statute of limitations.

Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. 

I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Equifax reinserted delinquent ( fraudulent ) payment history XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX without notifying me or giving me notice. 

Furthermore, Equiifax being the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. 


I have attached screenshots of XXXX account to indicate there were no delinquencies.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi this XXXX XXXX and I requested the method of verification to which I am entitled but unfortunately, you guys didn't do any of what I've been requested you to do. You guys need to get your errors rectified or I will be forced to take this to the next step should you continue holding me up. The letter was sent on XX/XX/2022 and it's been over a month now.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX, has violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my 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 consent.
Consumer complaint received 2021-05-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is a follow up letter, as my first complaint was closed with no results. 
This erroneous account was to be removed in XXXX XXXX per XXXXXX/XX/XXXX 
As of XXXX XXXX it is still on all 3 credit bureaus.
Consumer complaint received 2021-05-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a follow up letter, as my first complaint was closed with no results. 
This erroneous account was to be removed in XXXX XXXX per XXXX XXXX. 
As of XXXX XXXX it is still on all 3 credit bureaus.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent Dispute letters to the following agencies regarding false items on my credit report. I have given the agency more than 30 days to complete its investigation and its has not been complete nor verified. Please help with false/ inaccurate reporting.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES : 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 2023-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

Gentleman, This is a follow up on several complaints I have concerning XXXX XXXX. On two occasions XXXX XXXX responded that it was not the appropriate company at issue. On its third response it finally acknowledged the case is in litigation as I claimed. XXXX XXXX is Wrongfully pursuing foreclosure action against me and has been doing so since XXXX. I have provided corroboration documents of the truth of the matters asserted. XXXX XXXX refuses to respond to my concerns regarding its Wrongful foreclosure action against me. In XXXX XXXX 's latest response, it purports that it is unable to respond to me directly and has requested I contact the third-party servicer, PHH Mortgage who has nothing to do with this " loan account ''. As evidenced in the attached XXXX XXXX Ruling XX/XX/XXXX, XXXX XXXX is the appropriate company that needs to address this issue. I am attaching XXXX XXXX 's response to my complaint. I am attaching the Pooling and Servicing Agreement again which clearly states on page XXXX of the Prospectus " THE TRUSTEE XXXX NOT ENFORCE THE MORTGAGE NOTE AGAINST THE RELATED BORROWER ''. I am attaching the APPELATE COURT RULING dated XX/XX/XXXX which clearly states " XXXX XXXX HAS FAILED TO SUBMIT EVIDENCE PROVING IT IS A PARTY TO ENFORCE THE PROMMISSORY NOTE AT ISSUE ''. XXXX XXXX XXXX TRANSFERRED THE " NOTE AND MORTGAGE '' TO XXXX BANK EVEN THOUGH THE APPELLATE COURT RULED IT IS NOT A PARTY TO ENFORCE THE PROMISSORY NOTE AT ISSUE. XXXX XXXX HAD NO AUTHORITY OR RIGHTS TO TRANFER OWNERSHIP OF THE " NOTE AND MORTGAGE " AT ISSUE. THIS IS FRAUD AN ILLEGALITY. PHH Mortgage refuses to address the issues at hand as well. PHH Mortgage is now passing this complaint off to another third party servicer who has nothing to do with the " loan account ''. PHH Mortgage has provided a payment history but not the loan account. PHH MORTGAGE has provided two FALSE, FORGED, FRAUDULENT AND FABRICATED AFFIDAVITS OF AMOUNTS OWED. I am asking PHH Mortgage to respond accordingly to the issues I have addressed and am attaching the corroboration documents again for them to respond accordingly. THIS COMPLAINT IS FOR PHH MORTGAGE. XXXX MORTGAGE HAS NOTHING TO DO WITH THIS COMPLAINT AND I AM ASKING PHH MORTGAGE TO NOT HAVE XXXX XXXX RESPOND TO THIS COMPLAINT WITH THE SAME INVALID DOCUMENTATION WHICH HAS NOTHING TO DO WITH THE ISSUES AT HAND. 

KINDEST REGARDS,
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

How can Equifax say this " We have received your request. However, we are unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently You have not actively used your credit in the last ten years, or You have not lived in the United States or have not been issued a United States Social Security number '' I have a credit score for Equifax! There are fraudulent inquiries reporting on Equifax. They should remove them immediately!
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (UT)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One has closed my 2 credit card accounts due to a payment being returned. This payment was returned because only because I made a payment of {$200.00} weeks prior which didn't reflected in my available balance yet it was withdrawn from my bank account and shown as posted, this was for almost an entire month these funds were withheld and they refused to give me a reason even though they let me make payments in the meantime, one of which was returned. 

I called on XX/XX/XXXX at XXXX CST and spoke with a fraud specialist manager who told me that if I made a payment of {$110.00} within 10 days and then called 5 business days after the payment that they would reopen my accounts. I did just that, I made a payment of {$120.00} within the 10 days and called today XX/XX/XXXX to have the accounts reopened and they told me I didn't meet their criteria to reopen the accounts. I mentioned that I spoke with a women and that she took notes and in addition there's a recorded call, but yet the gentlemen I spoke with today said he saw that I called on XX/XX/XXXX but that there was no notes and said that I didn't speak with a manager. I said I did and that if they listen to the recording they can hear exactly what I was told. He indicated that they don't have access to the recordings, which is a lie because after a few minutes of back and forth he said the recordings are kept with quality control. Fine, but then he refused further steps of finding said recording and said I could try calling back. 

This is outrageous. The fraud specialist even said it's possible someone was posing as a manger to get me off the call. The recording exist. This is the 3rd time I've called Capital One with issues, mostly being about not updating my available credit after I make payments. When the payments don't reflect it looks to me like I didn't make it and so I make another payment not knowing it's coming out of my bank account twice and causing the payment to be returned due to insufficient funds. This is the fault of Capital One 's system and due to there refusal to assist me further I feel this is in retaliation or a way to discriminate me based on my age, gender and XXXX  and I will be making this a very public nuisance if Capital One doesn't resolve this.