davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
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. (CA)

I recently viewed my credit report and multiple accounts has been opened with out my consent nor do I recall any knowledge of these fraudulent accounts, names, address that are reporting to my credit. I took immediate action when noticing these items by contacting all three major credit bureas and creditors that are reporting these negative items to my report that are causing financial losses and emotional distress causing me to be denied credit and pay increase interest rates 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 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA ()

From XXXX to XXXX I couldnt get a supervisor because the persons on the phone said they couldnt allow it. 

XX/XX/XXXX I was told there was no such account so my having Power of Attorney for Financial Affairs for my sister who had been in a XXXX XXXX with XXXX believed the matter was closed. 

But on XX/XX/XXXX I received a bill saying there was the past due amount was now {$100.00}. 

On XX/XX/XXXX I finally was transferred to a supervisor and also made a complaint to Marcus by Goldman Sachs and paid {$34.00} because this supervisor said that was all that was really owed. 

On a letter dated XX/XX/XXXX, I received a letter saying they waived interest charges but would not waive any late charges. 

In XXXX we talked to my sisters lawyer and he said to just pay the {$64.00} so they wouldnt hassle us any more. On XX/XX/XXXX I sent a check for the XXXX they said was owe and reluctantly believed I was done with Marcus by Goldman Sachs!! 

On XX/XX/XXXX I received a notice that XXXX cents was due because of interest and told that it could be {$40.00} more if we didnt pay it. THIS HORRIBLE TREATMENT BY GOLDMAN SACHS JUST CONTINUES.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Commencing on or around XXXXXXXX XXXX I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX with the domain XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NV)

unauthorizes inquiries on my XXXX XXXX report SYNCHRONY FINANCIAL XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXXL XX/XX/2021 Location XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/2021 Location XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual
Consumer complaint received 2023-07-30
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. (GA)

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 Following accounts with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer reporting 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 USC 1681 ( 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 2023-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (WA)

I was going to be put on a temporary furlough with my company stating XX/XX/XXXX - XX/XX/XXXX. When I contacted on the phone my mortgage company, NewRez, in XXXX, they informed me that don't worry about making the XXXX payment after I explained my situation and that I will receive more information from them about Forbearance. 

My next point of contact ended up being XXXX who works for their debt collection part of the company. He informed me that in order to file for forbearance our account has to be behind a payment, so I didn't make any payment in XXXX. He told me I needed to wait until XX/XX/XXXX to request forbearance. 

So I did, as they told me to. They reported our account to be delinquent to the credit bureau resulting in our credit going down XXXX points. They never once mentioned that they would be reporting us delinquent, they sent information that showed that but not until AFTER I did what they told me to do for the forbearance. Not once in my contact with XXXX did he mentioned the reporting of our account being delinquent or that it could affect our credit score if we did not make XXXX 's payment, which they basically told us not to do so they can put in forbearance. 

I was working with them at the end of XXXX, they knew the dates and the only thing I asked was to get help with XXXX. They put in the request XX/XX/XXXX and didn't start our forbearance until XX/XX/XXXX. So the only months we needed help with, they didn't even help and are now going to be reporting our account again for XXXX as we don't have the funds to fully pay XXXX 's mortgage. 

" XXXX. Non-delinquent borrowers were denied forbearance Under the CARES Act, forbearance has been open to borrowers who are current on their mortgages, but some applicants were told that only delinquent borrowers were eligible for it. As a result, some borrowers were instructed to only apply for forbearance after missing a mortgage payment. That was truly bad advice, because even a single delinquent payment could result in significant credit score damage. '' This is exactly what they had us do. 

So we are now about to get hit with a SECOND delinquency to the credit bureau.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I sent an ACH transfer to my wife 's account at XXXX for {$17000.00}. Bank Of America contacted me ( see email attached dated XX/XX/ ). The money was sent with no problem and the funds were put " on hold '' at XXXX XXXX XXXX XXXX refused to unfreeze the account, and this began the ongoing battle. I was able to get in contact with their executive response team and retail banking group which was not cooperative at all. They gave us the run-around for a month or so until finally they decided to " send the funds back to Bank of America '' that was it. No information as where they were going or who was receiving them. After getting in contact with the executive client response team now at Bank of America I discovered that a banker by the name of XXXX XXXX had been working with XXXX XXXX from XXXX XXXX to make sure the funds were transferred. ( I had to pull teeth to get this information ). The funds were not sent back to MY account but were sent back to a Bank of America HOLDING ACCOUNT. Whatever that means. Well, it has now been almost 3 weeks since that transfer back to Bank of America happened and there has been little to no information for the customer ( me ). I am at a loss of words and not sure what even is going on ... my wife and I feel like we are being and have been treated very poorly the past 3 months just trying to get our money back. I need bank of America to give me answers as to where my money is and when it will be returned to me. I have bills to pay, and it has put me in a very tough position. I have been a customer with bank of America for a while now so they should be able to confirm where and how these funds came from ( my employer... ) I need help. I have contact information for the executive client services member that I have been talking to and XXXX XXXX which seems to be the one that knows all the information from the start but refuses to contact me. I even tried to contact her at a BOA branch, and we tried to call, email etc. I have received no answer to my emails or nothing. I have sent roughly 10 emails in the past 15 days to XXXX XXXX at the XXXX fraud department. 

Contact : XXXX from BOA : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-30
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: Experian Information Solutions Inc. (GA)

I have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on XXXX bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on XXXX different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the Experian XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. 
I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. 
I did filed a mandamus petition in XXXX XXXX ga courts for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know chime open XX/XX/XXXX. The same month chime open and I taken my conviction in XXXX XXXX XXXX not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX MI trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX Ga I been having a hard time opening cd accounts brokerage trade account and etcs
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (MD)

I had receive a store card from XXXX ward through the mail with a card attached to an advertising magazine. The card limit was {$1000.00} limit. I misplaced the magazine with the card attached to it. The card was activated without my knowledge and a {$430.00} charge was made on the card. Wyen I realize the collection on my credit report, I disputed the collection on my credit report that was placed XX/XX/XXXX. I disputed the fraudulent and unauthorized transaction. XXXX XXXX then resolved the account after I disputed by charging off the account in XX/XX/XXXX,  instead of removing the account completely.
Consumer complaint received 2021-02-12
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)

Im writing this due to the non compliance with XXXX, Equifax, XXXX, I have sent information regarding supported information with inaccuracies and wrong information that does not pertain to me listed on my report, they have failed to remove the information that was affiliated with information that was challenged in the past I strongly believe they are in complete violation of of The FCRA and are just refusing to uphold the law.
Consumer complaint received 2023-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TN)

An agent XXXX XXXX XXXX XXXX XXXX at edfinancial has harassed me by saying XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  while on the clock. 

As someone that has considered taking some classes and using student loans, this discourages me from furthering my education. 

It is not the job of someone who handles federal student loans to attack someone. This attack seems to be politically motivated on their behalf. As a protected class this is very discouraging and potentially discrimination against me.
Consumer complaint received 2023-07-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (MI)

I took our a check n go loan for XXXX almost 8 years ago and forgot to repay .it has fell off my credit report but now a company calling them self XXXX XXXX is threatening to sue and arrest me if I don't pay the amount of XXXX but said I can pay XXXX to clear the debt and when I started acting for more details and to get of list of how it went from XXXX to XXXX they got very rude and threatening to sue me and garnish my wages and possibly jail time. I am on a fixed income and XXXX so I don't have time or money to be scam out of and threaten for money I dont have. All my money goes to bills
Consumer complaint received 2020-11-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

I pay early and on time but my credit score keeps falling. no matter what do. I have called many places but still, I can not get an answer as to why I need help. please I need help. 


Sincerely Mr.XXXX XXXX
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

Its been over a year. For one it took for me to complain here in order to get a response from them. After complaint for months trying to see what was going on and why they denied claim and there evidence they responded to they use a system to verify thats not good enough I need answers because this is a lot of money and Im having to pay this back when the money was already took from me in the first place. Ive recently received information on who compermised my account I have text messages of the owner of the company admitting to her employee stealing from me yall gave me my money back and took it back thats y she thinks I got paid back this is annoying and Im ready for a lawsuit at this point made me loose my home and XXXX my kids stressing over money thats been wrongly taken from me Ive filed a police report what more do they want charges and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like this was not me Ive submitted proof of days I know for a fact I was occupied unable to get out and make transactions and they still denied Ive reached out to the merchants and asked about the purchase on my card with the last ending 4 of it and theres no account for me there I contacted a place that was high in they require u to show Id and scan when purchasing I request the id scan there was none like what investigating did they do I want my account back I had a good amount of money going in and I want my money
Consumer complaint received 2023-07-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 I went to chase bank because I have a checking account there and I am allowed to withdraw from my prepaid XXXX card so I went and I tried to withdraw the rest of my full paycheck which was {$1000.00} I was charged a fee of XXXX. I walked inside to the teller and did this. Their system was messed up and they were not able to give me my funds me thinking. My funds were still on my card. I went to go to another bank ATM to try to withdraw and it said I had no funds. I was very confused because I did not receive any funds at Chase so my money should've been still on my card, I looked online at my transactions on XXXX and Chase took out my money that I had tried to withdraw but their system was down. I went back to the bank spoke with the manager and said that if it shows in pending status still on my XXXX website, then that night at XXXX PM the Chase system should release the funds back, but I also had netspend on the phone and they spoke with the manager asking him if he could send some type of authorization that once the funds stop pending that they won't take the funds into their accounts and will release the funds back to XXXX the manager said that no he did not have anything like that and can do nothing. I asked him if there's a higher up, I can speak to you to get this fixed and he said no that there was nothing they could do that I had to file a dispute with my prepaid card but all I was doing with withdrawing my money from my prepaid card and Chase and because their system was messed up I was not allowed to get my Funds. 
If I did not choose to withdraw my money from the bank that day, I would still have my money on my card.I have contacted Chase on the phone multiple times I have contacted XXXX I have filed a dispute I have children and that was my full paycheck and now I have to wait for an investigation for 10 days until I get my next paycheck so I have to wait XXXX full month to get paid. I have bills due and now they are past due with late fees. I am not sure what to do. Chase is not helping me at all. I still have not received my funds. Please help.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OPTUM BANK, INC. (OH)

I opened an HSA ( Health Savings Account ) with OptumBank. I attempted to fund the account with the maximum contribution limit of {$7100.00}. Somehow, the transaction was processed twice and my account was debited twice. No pending transactions were listed on my account management page at the OptumBank website and my account balance registered as {$0.00}. When I contacted OptumBank about the error, they told me there was nothing that could be done and that I would be charged as making an excess contribution. They could not tell me where the excess funds went or why this occured.
Consumer complaint received 2021-11-22
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. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX {XXXX}, XXXX XXXX XXXX XXXX {$XXXX}, XXXX XXXX XXXX XXXX {$XXXX  XXXX XXXX XXXX XXXX {$XXXX}, XXXX XXXX XXXX XXXX {$XXXX}, XXXX XXXX XXXX XXXX {$XXXX}, XXXX XXXX XXXX XXXX {$XXXX} and XXXX XXXX XXXX XXXX $ XXXX stated, in the FCRA, you are required to respond to my dispute within XXXX  days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2020-10-01
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. (FL)

Chase Bank has denied my Identity Theft Claim stating that the information is accurate but have yet to provide any proof that I am not a victim of Identity Theft. Chase claimed that The Slate account ending in XXXX was opened on XX/XX/2017. This account was fraudulently used a result of Identity Theft. 

Furthermore, during the periods of XXXX I have been living outside of the United States as a resident of XXXX. Therefore, any account activity during this period was made fraudulently without my knowledge as a result of Identity Theft. Any payments that was made to Chase bank was NOT made from me as I was living in XXXX. Any account usage during this period was NOT made by me. This can conclude that someone has indeed stolen my identity and has hacked into my personal account information including emails, bank accounts, credit reports, credit cards etc. Under The Fairs Credit Act I  request that this debt be removed from my name or I will pursuit a civil legal action. I have attached a copy of my Identification card issued by the XXXX Of XXXX. Further documentation such as passport entry stamps of XXXX, apartment rental contract in XXXX, Car registration in XXXX and other verifiable information can be provided upon request to further prove that I was outside of the United States during the years of XXXX.
Consumer complaint received 2023-07-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I asked Chase bank where I have my Business Account to file a claim regarding a wire transfer which I sent to Business account in XXXX  XXXX XXXX, I got scammed I sent wire transfer to seller of product in the amount of {$59000.00}. 
Never recieved the product, Chase Bank opened a claim case number XXXX. Five Days later Chase Bank sends me a letter in Chase portal that Wire can not be reversed that I benefited from this wire transfer without even Bothering or investatigating or asking me. 
XXXX  XXXX XXXX trying to cover up their customer probably they are opening fraudulent Business accounts & now trying to protect their fraudster account holder XXXX XXXX XXXX is scamming people