davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit 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: GOLDMAN SACHS BANK USA (NY)

In XX/XX/year>, XXXX XXXXXXXX was stolen the the Apple Credit Card issued by Goldman Sachs in the wallet was used to make purchases. I disputed the transactions and they were removed from my account. Pursuant to the cash back feature of the card. Those purchases generated rebates totaling {$190.00}. That amount was posted to a related Apple XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When the fraudulent transactions were reversed, the cash rebates were also reversed. As part of the same crime, the Apple XXXX XXXX in the wallet was used in fraudulent transactions as well, depleting the balance. XXXX XXXX XXXX refused to abide by their terms of service limiting the customer liability for unauthorized transactions to {$50.00}. Since the balance on the Apple XXXX XXXX XXXX XXXX, when Apple/Goldman Sachs Bank attempted to reverse the cash back portion they were unable to recover funds from XXXX XXXX XXXX XXXX The result was that my Apple Card ended up with a balance of {$190.00} for the charges for reversal of the cash rebates. Goldman Sachs Bank has violated their terms of service which state that a consumer has zero liability for unauthorized transactions. Apple should have been aware vulnerabilities. Additionally, Apple issued both cards. Goldman Sachs Bank should cancel the reversal of the cash back associated with the fraudulent transactions or should collect the amount from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should honor their unauthorized use policy and credit my account and charge back the merchants. In addition, Apple/Goldman Sachs Bank should remove the negative information reported to the credit bureau XXXX
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-07-03
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)

XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX XXXX  Account # XXXX {$120.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$1300.00} The above accounts were opened fraudulently in my name. Please remove them immediately from my credit profile due to identity theft under section 605-B of the FCRA.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2020-06-03
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: United Shore Financial Services, LLC (NV)

Hi there, My name is XXXX XXXX, I am a XXXX XXXX  and have three properties in XXXX XXXX. One primary residence and two rental properties.

One of the rentals was under renovation and another is being rented.

My tenant got laid off during covid-19 lock down and was unable to pay the rent. 
I was mislead by many news in XXXX that missed payments would not be reported for 3 months not to damage credit. So I did not have enough funds in XXXX to pay the rental property since I did not get the rent from Tenant, so I pay balance for 2 months in XXXX thinking it won't damage my credit during pandemic. Next day I receive credit report of a 30 day late payment from united wholesale mortgage that dropped my score by 100 points. 
I called UWM very next day on XX/XX/XXXX of XXXX to ask for forgiveness and help me solve the problem. I explained the situation with misleading news. I explained them that I did not receive a payment for rental property and had to ask for payment assistance ( file attached ). Customer rep from UWM submitted a request and told me I would receive a letter from UWM next 20 days. She also advised to file a dispute with credit  bureaus witch I did same day. 
I just received XXXX  dispute results and it still shows 30 day late payment. 
I received assistance check 1st days of XXXX but the payment was already late and due for 2 months now, so I paid for both months on XX/XX/XXXX. 
I have 2 accounts with UWM and I paid my personal property on time but I did not have funds to cover the rental property. 
I also applied for Economic Injury Disaster Loan on XX/XX/XXXX because my business has hit very hard, I just received application pre approval on XX/XX/XXXX but still don't have funds. ( file also attached ) I believe businesses need to be more supportive during this pandemic, I am building a brand new building and we are finalizing the construction right now, we started construction in XXXX of XXXX, now I have to close on my SBA 504 loan next 30 days and my credit is in 600s. We are talking about XXXX loan and this is a massive impact for me right now. I did not let anyone in my team down and did not furlough any worker in my company to help them, now after paying their weekly income I am suffering the consequences. 
CFPB please help me remove 30 day late payment, I know I was late but not because I was careless. If I have to I could find XXXX news that mentioned that credit would not be affected during pandemic. 
Loan number with united wholesale mortgage XXXX ( account was just refinanced ) Property address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX   report number : XXXX
Consumer complaint received 2020-12-03
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. (FL)

i have asked the credit bureaus to show me how they have validated the negative accounts on my credit report. i have sent them XXXX separate letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated.
Consumer complaint received 2020-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Due to Covid 19 I was laid off by my employer. I contacted Specialized Loan Servicing ( SLS ) to start a forbearance, but was told that at the end of 90 days I would need to pay the full mortgage amount. ( XX/XX/XXXX ) I have a XXXX XXXX Loan and according to the CARES ACT this is not correct. I was able to scrape a couple of payments together with the government stimulus, but I am still without work. I called back ( XX/XX/XXXX ) and was told that a deferment would not be possible. When asked why this is so they said they were following the mortgage owner guidelines. This is not what the XXXX XXXX site states or the CARES act. I asked to speak with a supervisor and I am awaiting a return call. I feel the SLS is being unreasonable and anything short of a deferment will cause a raise in my mortgage to a level were i wont be able to pay. 
thanks,
Consumer complaint received 2020-07-03
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. (IL)

XXXX XXXX XXXX Account # XXXX {$520.00} XXXX XXXX XXXX XXXX  Account # XXXX {$120.00} XXXX XXXX XXXX Account # XXXX {$470.00} XXXX XXXX XXXX Account # XXXX {$1300.00} The above accounts were opened fraudulently in my name. Please remove them immediately from my credit profile due to identity theft under section 605-B of the FCRA.
Consumer complaint received 2020-11-20
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: Credit Plus Inc (IN)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 45days now and I have not received any investigation results. 

Today XX/XX/2020 make it 60days now that I filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.
Consumer complaint received 2022-04-06
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: Resurgent Capital Services L.P. (NE)

I disputed a debt being reported on my credit report and instructed XXXX that I am not familiar with the debt, the company reporting the debt ( PYOD LLC. # XXXX ) and have not done business with the listed original creditor XXXX XXXX. 

I requested an investigation into the incorrect information and requested some form of signed documentation that the account being opened in my name and social security number had been authorized by me. I did not receive any form of documentation from either XXXX, PYOD LLC. or XXXX XXXX, I do not feel this request is exceeding my legal rights under federal law, if no one produces documentation, then what prevents a company from falsely claiming a debt is owed and just reflecting it on your credit report. 

I would like to have any signature obtained supposedly authorizing the original account to be opened, examined by a professional recognized by the XXXX XXXX Nebraska XXXX XXXX, as I did not authorize an account be opened and I want to have the signature compared to my years of signatures. 

They failed to obtain documentation and only informed me that the debt had been verified as accurate and never produced documentation to substantiate the claim that the debt was/is valid. 

My next step if it is not corrected thru this process will be to file a complaint with the F.T.C. for the failure of XXXX to maintain only 100 % accurate information within my Credit Reporting File.
Consumer complaint received 2024-10-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

I am filing this complaint regarding the fraudulent reporting of a debt by Transworld System Inc. for an alleged account with XXXX XXXX XXXX I have never entered into any business with XXXX, nor signed a contract authorizing this debt. I strongly suspect that my personal information was compromised during the XXXX data breach, which has led to this unauthorized activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, my credit information can only be accessed or reported with a permissible purpose, which is clearly absent in this situation. This unauthorized debt reporting is a direct violation of my rights under the FCRA. Furthermore, under the XXXX XXXX ( XXXX ), financial institutions have a duty to protect consumer data. Given the XXXX data breach, it is clear that this duty was breached, resulting in misuse of my personal information. 

Transworld System Inc. is also in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, as they are fraudulently misrepresenting a debt I do not owe. This is not only a violation of federal law but is also fraudulent activity, for which I demand immediate correction. 

Additionally, under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, I have the right to dispute unauthorized and inaccurate billing practices. No legitimate business transaction, contract, or agreement exists between me, XXXX XXXX , or Transworld System Inc. , making this collection unlawful and fraudulent. 

I am demanding that the CFPB immediately investigate this matter and force the removal of this fraudulent collection from my credit report. This is an egregious violation of my rights as a consumer, resulting from inadequate data protection during the XXXX breach. The companies involved must be held accountable, and this fraudulent activity must be stopped to protect me and other consumers.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NY)

A student loan was taken out in my name without my permission. I found out when I received a bill in the mail in 2019 I went up to the school show my ID did my signature signing did an affidavit and reported it. I sent them everything they asked for and still having the runaround. With these people going on fire years is sad. I did a police report and all and they keep sending me the same paper to fill out to send back to them. Im not about to keep doing that they have all the information and now they asked me for my Social Security number. Dont feel safe give them my Social Security number. They never had it in the first place so they not gon na have it now.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

I did a balance transfer in the amount of XXXX and I send it to TD bank to pay off my credit card and on XXXX the XXXX I was received and TD bank has place this funds on hold make me unable to use my credit card and any future payments I made to this account will on hold in the future I also made a payment in the amount of XXXX and again they put this payment on hold they wouldnt call both of my banks to verify the funds has clear and I offer them the phone numbers but they refused to call my banks and Im stuck with only XXXX dollars on my credit card vs XXXX limit
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  ( Original Creditor : 11 XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report.Account is listed as collection / charge-off. It's showing a balance of {$980.00}, per the FCRA this is a violation, balance should be {$0.00}. 

Date Opened : Inaccurate Balance : Should be {$0.00} Date Last Active : Inaccurate Date of Last Payment : Incomplete
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Account info Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$160.00} Credit limit {$3900.00} Highest balance {$4700.00}
Consumer complaint received 2020-07-03
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)

I continuously dispute 2 of the collections on my account. Provided documentation that the account I have was paid off and cancel but for some reason the debt collector XXXX XXXX XXXX thats collecting for XXXX XXXX is saying I owe {$630.00} and XXXX XXXX XXXX stating I owe {$720.00} which is fraudulent. I contacted XXXX XXXX directly and asked if I owed anything or do they see any old accounts in the system. She did a through investigation and check with My personal information looking for this information. She was able to pull up my old account but it was showing paid by me. She even sent out a bill copy that was requested in her back office to get this sent out to show I didnt owe anything and everything is good. The only account I have thru XXXX XXXX XXXX is XXXX and XXXX internet service ... No XXXX XXXX. The old Accounts I had with XXXX XXXX at different addresses showed I transferred service and no balances. Sent my documents in to all 3 credit bureaus and seem like they look at the other credit bureaus and say its accurate. I even requested documentation and dates which the credit bureaus dont ever send to me. Now at one point it was remove 2 years ago and than added back this XX/XX/2020. The debt collector XXXX ( XXXX XXXX XXXX ) also popped up on my report in XX/XX/2020 as a new account. I disputed this one as fraudent a couple years ago and they deleted but it came back up in XXXX as a new account they XXXX XXXX I never had no account with XXXX XXXX and havent borrowed or got a pay day loan for no amounts. For me to get a mortgage loan I had to forcibly settle with this unknown company because the credit bureaus wouldnt take it off my report. I asked also for documentation and dates and etc. even these so call late paymentS and no one will send me anything! Im sick and tired of fighting back and forth with these unknown companies and credit bureaus that I had to make a complaint and on top of that wasted money that could of been on my children. Police Report was made with XXXX PD in Texas for fraud and stolen items. Report number XXXX
Consumer complaint received 2022-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of fraud in Bank of America. XXXX created an account using her name and my name without my authorization. I informed the bank personally due to an alert on our phone on XX/XX/2022. While I was on the phone informing the bank that a fraud activities is going on with my family and my accounts we were able to see the electronic transaction is " processing '' .. On XX/XX/XXXX we filed a claim number XXXX. On XX/XX/2022 we received a letter from the bank ( I will attached later ) stating " We've completed our research on your claim and we determined you are not the person responsible for opening the account ( fraud account ending with XXXX ''. Bank consider my inquiry resolved and no further action is needed. On XX/XX/XXXX they reversed the decision ( attached later for XXXX account as an example since all of us in the family have XXXX accounts ). stating the bank denied my claim and consider it close because the transfer was authorized by our device which is a lie. The total amount that we lost is more than XXXX. 

I do not trust the bank conclusion since they never contacted the phone manufacturer with law enforcement and check on the bank mobile apps if it was compromise. 

Also so far they bank refused to give us any temporary credit to buy grocery to eat or pay our bills. I have been customer for over 31 years. They have my record.
Consumer complaint received 2023-03-27
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. (NJ)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Due to the Coronavirus, I opened an account online with Bank of America. We had moved to a new state and were trying to set up new checking and savings accounts but could not conduct business in-person like we prefer. The application went smoothly and the account was opened. B of A issued a debit card in the mail and I opened online bank and the mobile app. I funded the account with {$100.00} into savings and {$100.00} into checking on XX/XX/XXXX from my other account. I used the mobile app to deposit two checks in the amount of {$400.00} and {$340.00} on XX/XX/XXXX. Shortly thereafter, Bank of America informed me that my account was closed without any real explanation. I visited a branch and learned that there were problems with my ID not being accepted by the automated system. The branch and various chains of management were unable to verify my identity even though I was physically present with two forms of ID. They could not override the account closure and assured me that my deposits would be refunded via a cashier 's check in the mail. They could not cut me a check that day because holds were placed on my deposits. We have visited another branch to check on the status of the cashier 's check. It had been issued as two checks, one for {$100.00} and the other for {$840.00} on XX/XX/XXXX. We received a bank statement showing XXXX balance today ( XX/XX/XXXX ) but have not received the cashier 's check ( s ). Where's the beef? They have also sent me two letters ( XX/XX/XXXX ) informing me that my name may be reported to XXXX XXXX and XXXX XXXX XXXX, and may prevent me from opening new accounts. 

I do not know what recourse we have with Bank of America if we do not receive a refund of our money from an account that they closed in error. B of A is completely unhelpful in-person or over the phone, it's always someone else 's department and " coming in the mail. '' Hopefully, the check arrives soon. Meanwhile, I am submitting this complaint to start the process of recovering {$940.00} more or less bungled/stolen by Bank of America. They approved the account, let us fund it, then some fraud algorithm closed it and the branch managers act helpless while they keep the {$940.00}. This is an unacceptable business model, especially during a health crisis. If they want to scam people, let them scam deep pocketed folks who may not notice and not the mother of XXXX ( including XXXX XXXX children ).