davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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. (GA)

This is my 3rd CFPB complaint to inform the Credit Reporting Agencies I am a victim of identity theft and I complaint to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I took the liberty to investigate my own Credit File since the Credit have done nothing, I immediately took note of the following : a ) Some of the account in dispute were already removed from my Credit File with the other Credit Bureaus and yet are still being reported by some of the Credit Bureaus ; b ) these accounts were the result of my identity being stolen ; and c ) despite my attempts to dispute these accounts, the Credit Bureaus have been doing nothing. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove the disputed accounts since these accounts were results of identity theft. Under the FCR section 605b, I am requesting that the Credit Bureaus remove the disputed fraud accounts and information completely from my Credit file as soon as possible : XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the Disputed accounts belong to me, please send me copies of proof of verification as well as copies of documents bearing my signature. If the Credit Bureuas can not provide me copies of of proof of verification, please have the disputed items removed as soon as possible.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NJ)

I have tried really hard over a month to work out the issues with Marcus and even when I get a sensible person in their customer service, which is very rare these days but still possible, they seem to be powerless in doing anything. 

Amongst many other issues that I have already filed a complaint about, they seem to have disabled my ability to instantly link an external account ( using the credentials ). It used to work fine for me but hasn't been working for the past few weeks. All it shows me is a pop up with no message or text on it. I have included an example of this in the attached pdf. 

If that wasn't bad enough, they keep lying to me that it is a technical web site issue affecting everyone. I have personally asked 2 colleagues to check and they are able to use that option. So Marcus agents including their supervisors have no qualms lying to customers on a recorded line. 

After going through layers of incompetency, ignorance, stupidity and bad attitude, you have to just ask for a supervisor to get someone knowledgeable to talk to. I finally got someone sensible named XXXX who finally understood what I was talking about. But she also seemed to be helpless in doing anything. But she was able to verify that it works for others. Only honest agent I have encountered so far. 

Here are the case number I have been given so far. They all go into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The due date for this case was yesterday and someone was supposed to call me by yesterday but you can guess what happened. It got sucked into the XXXX XXXXXXXX XXXX called GS. And this is after this case was already escalated twice by 2 supervisors. 

Case # XXXX No response either This inability to link an external account using the instant link option has already caused me lot of financial hardship and loss. I have not been able to link my XXXX XXXX  so far because of this There are plenty of other cases/complaints that have gone into a XXXX XXXX For every lie I have been told, I will keep filing a separate complaint with CFPB.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have an account with Capital one been with then for a couple years now, XXXX XXXX.I had fraudulent happen on my account someone paid my credit card out in order for them to withdraw the money out but when I check my account I told Capital one this is fraudulent transaction on my account so the bank of XXXX XXXXXXXX XXXX where the fraudulent happen was sent back to the bank I'm in an another state and I don't understand why Capital one telling me they need more proof that this not bank and doing to help me, well the XXXX XXXX XXXX tried to return the payment again XXXX XXXX again so Capital one let them but close the account on me and also put the fee on my account which made my card a higher balance for the return fraudulent payment on both of my cards so now I'm having to pay a higher payment on my card and want adjust it and charging me for it telling me to do my own investigation it's nothing they can do for ne to call the bank myself and tell them to verify I'm in a whole nother state when Idaho have no clue why my own credit card company I deal with want help me but expect for me to pay for it please help
Consumer complaint received 2022-09-30
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. (NY)

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected/fixed immediately XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2022-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Noticed that my monthly payment increased by over {$40.00} ( from {$1500.00} to XXXX ) with no explanation. I called Truist and was told it went up because I have a {$520.00} escrow shortage. I informed the rep that I usually pay my escrow shortage and was willing to do so this time as well. I requested an escrow shortage letter in order to send the payment to the pertinent dept at Truist. I am yet to receive the letter. However, I paid the {$520.00} ( see attached ) escrow shortage via online banking. After paying the {$520.00}, I realized that my payment went down to {$1600.00}. I contacted Truist to find out why my payment was not back to {$1500.00} and was told " Only {$260.00} was applied to your escrow because that is your shortage. The rest of the money is just sitting in escrow-it was not applied to your escrow. You can get a refund if you want. '' I informed the rep I was told that the shortage was {$520.00} and the statement also shows {$520.00}. She proceeded to tell me " That's the mistake that customers make-thinking that their payment won't go up after paying the escrow shortage. '' So I asked her what else can cause an increase in monthly payments other than tax and insurance, and she could not answer the question. I then asked her " If I pay my escrow shortage, why is my payment going up, '' and she basically reiterated that it can still increase. I then told her to send me a bill with any other increases ( in addition to the {$520.00} that I have already paid ) in taxes and/or insurance so that I can pay it instead of increasing my monthly payment. To date, I have not received a letter detailing any additional shortage, but my payment is still at {$1600.00}. This is not the first time that Truist/Suntrust has increased my monthly payments despite the fact that my escrow shortage was paid in full. My payment was previously just over {$1500.00} before it went to {$1500.00} ( despite paying my escrow shortage in full ) without any explanation. I am mentally drained from the constant issues with Truist. It is depressing. I am tired of the back and forth.
Consumer complaint received 2022-09-28
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: Experian Information Solutions Inc. (PA)

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no clue how they got there. I check my report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the wrong accounts remained. I'm asking for the documents I've provided to be carefully reviewed, so I can stop worrying about this ever happening again.
Consumer complaint received 2022-09-28
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. (CA)

I recently did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance 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 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  SERV Account Number : XXXX XXXX XXXX BANK XXXX Account Number XXXX XXXX XXXX COLL Account Number : XXXX XXXX CREDIT XXXX  Account Number : XXXX**************** XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under XXXX U.S.C. 1681.

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 XXXX States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( XXXX ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2022-09-28
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2022 Wire Transferred to XXXX Total {$2000.00} As per bank, it said : DEBIT AUTHORIZATION DENIED BY CREDITING PARTY AS FUNDS CAN NOT BE RECOVERED FOR RETURN. ACCOUNT BLOCKED FOR FRAUDULENT ACTIVITY. THIS CASE IS NOW CLOSED. 

XX/XX/2022 Wire Transferred to XXXX Total {$30000.00} XX/XX/2022 Wire Transferred to XXXX Total {$28000.00} XX/XX/2022 Wire Transferred to XXXX Total {$10000.00} XX/XX/2022 Wire Transferred to XXXX Total {$40000.00} XX/XX/2022 Wire Transferred to XXXX Total {$20000.00} As per bank, it said : We last sent a message to the recipient XX/XX/2022 regarding the recall request and we are still waiting for their response. 
We will send a follow up regarding the recall request. 

XX/XX/2022 Wire Transferred to XXXX Total {$5000.00} As per bank, it said : We last sent a message to the recipient XX/XX/2022 regarding the recall request and we are still waiting for their response. 
We will send a follow up regarding the recall request. 

XX/XX/2022 Wire Transferred to Scammer which has account in XXXX XXXX XXXX  Total {$20000.00} As per bank, it said : Recall is in the process. Series of XXXX messages has been sent to the receiving bank for return of the funds, awaiting response from the receiving bank. 
As per the recall disclosure recall happens on best effort basis and there is no time frame for this process as money is not with chase so we will have to wait for the other bank to respond to our recall request via XXXX message. 
Kindly follow up in 3-5 business days for the case update. 

XX/XX/2022 Wire Transferred to Scammer which has account in XXXX XXXX XXXX  Total {$20000.00} As per bank, it said : Recall is in the process. Series of XXXX  messages has been sent to the receiving bank for return of the funds, awaiting response from the receiving bank. 
As per the recall disclosure recall happens on best effort basis and there is no time frame for this process as money is not with chase so we will have to wait for the other bank to respond to our recall request via XXXX message. 
Kindly follow up in 3-5 business days for the case update. 

XX/XX/2022 Wire Transferred to Scammer which has account in XXXX XXXX XXXX  Total {$20000.00} As per bank, it said : Recall is in the process. Series of XXXX  messages has been sent to the receiving bank for return of the funds, awaiting response from the receiving bank. 
As per the recall disclosure recall happens on best effort basis and there is no time frame for this process as money is not with chase so we will have to wait for the other bank to respond to our recall request via XXXX message. 
Kindly follow up in 3-5 business days for the case update.

We hope this
Consumer complaint received 2022-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

As part of our mortgage payment, taxes and insurance are escrowed and the policy premiums are to be paid by the mortgage servicer. Our mortgage servicer, Planet Home Lending, LLC., failed to pay our flood insurance premiums causing our policy to be cancelled, leaving us uninsured. More than a year later, they brought their error to our attention by threatening to purchase force-placed coverage to cover for their error and incompetence, and demanded that we obtain a new policy. We later learned that XXXX stole funds from our escrow account to cover for their error, without our permission. We lost the " grandfathered rate '' that we had with the original insurance company, and the lowest cost replacement policy was substantially more expensive. I have written several letters to XXXX detailing their error. The first was XX/XX/2022. There was never any reply or response. During my calls, I asked if they received my letter, and they said " yes, we put it in your file. ". I asked why they did nothing, and while they admitted their mistake on the phone and promise to take care of it, they have never acknowledged anything in writing, nor done anything. They have promised to correct our account balance, remove all late charges and fees, credit us for the difference in our original policy and the new policy, and correct our monthly payment. ( Our correct monthly payment is sent automatically each month, and has always been received on time. ). Notwithstanding, they continue to harass us for payment and threaten to ruin our credit. Despite numerous calls to their insurance department, and customer service, they have done nothing. On XX/XX/2022, I wrote to XXXX XXXX XXXX, the president of Planet Home Lending LLC, detailing everything and providing copies of prior letters. I received no reply from her. On XX/XX/XXXX I received an unsigned form letter from a XXXX XXXX XXXX XXXX saying that they would look into this matter. So far there has been no response, except the default notices that XXXX continues to send us, telling us that we are " seriously delinquent and in default. ''
Consumer complaint received 2024-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope this letter finds you well. I am writing to follow up on my previous communications regarding the inaccuracies on my credit file. Despite multiple attempts to address these issues, I have yet to receive a satisfactory resolution.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (IL)

ON XX/XX/2022 AT XXXXXXXX XXXX. AN INVALID PASSCODE WAS GENERATED TO MY CHECKING ACCOUNT NOT INITIATED BY ME. I AM CONCERNED ABOUT THE SECURITY OF MY ACCOUNT, ENDING XXXX. 
THE CIT BANK A DIVISION OF FITST-CITIZENS BANK : XXXX XXXX. 

I called many times and was disconnected each time. Have sent message, no response yet. 

MAILING ADDRESS : CIT Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
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. (OK)

According to, 15 U.S Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 US code 1681 - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the Written Instructions of the consumer to whom it relates. I NEVER gave any consumer reporting agency Written CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the delations of the accounts listed IMMEDIATELY
Consumer complaint received 2022-09-28
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2/XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I reviewed my credit report and on XXXX/XXXXXXXX and observed 17 inquiries each from a different lender. These lenders pulled my credit without my permission. I did not give verbal or written permission to review my credit report. I did not give XXXX XXXX XXXX permission to shop my credit. The salesman that day told me XXXX will be the only company pulling your credit profile. XXXX can not and did not provide me with any documents or electronic signatures from me authorizing these companies to pull my credit. I am requesting all of the attached inquiries. This has dropped my credit scores and I am requesting the deletion of all inquiries pulled on XXXX/XXXXXXXX
Consumer complaint received 2022-07-14
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. (NV)

Ive submit multiple documents as they requested to have public records removed. The documents was issued to me via the court house. I asked for them to removed the records or block them. they refuse to saying that they couldn't because the dispute came back accurate. so I can them to provide proof that it was accurate they refuse. I also asked them what was the third party source that they use since they use to use XXXX XXXX but the refuse to give me the name.