davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (DE)

Early in XXXX I acquired the Apple Card through Goldman Sachs. 
Subsequently on XX/XX/20 a {$9.00} charge was placed on the card by Apple for a monthly storage fee. This subscription had, up to this point, been charged to a XXXX XXXX card. At no point did I authorize Apple to switch the charge account for the subscription. 

I called Goldman Sachs to inquire about the charge. I was told I must have approved the transfer of the subscription payments to the Apple Card. I did not do this. 

Apple and Goldman Sachs are committing UDAAP by switching charging accounts without express permission of the cardholder.
Consumer complaint received 2020-01-29
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)

TO WHOM IT MAY CONCERN I BEEN REACHING OUT TO THE COMPANY ABOUT THE WRONG INFORMATION ON MY CREDIT REPORT THEY NEVER SENT ANY MAIL WITH PROOF/ VERIFICATION THIS IS MY ACCOUNT. ALSO WHEN I CALL XXXX XXXX XXXX XXXX THEY TOLD ME TO CONTACT THE CREDIT BUREAU. THIS ACCOUNT IS NOT MIND AND CAN YOU PLEASE SHOW ME PROOF THIS IS ME. I WOULD LIKE TO SAY HOW I CAN I BE XXXX XXXX IN XXXX AND PURCHASE A CAR AT THE SAME TIME? I AM TRYING TO STRAIGHT MY LIFE UP AND THIS IS NOT RIGHT.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (WI)

I received a call about a missed payment, which was an oversight on my part. Talked to a rep from Citibank and discussed about getting the payment plus late fee and my next payment sent in by a certain date. I am still getting calls from them about my payment and the date we set up which I believe was XXXX XXXX hasnt arrived yet and I said I planned on paying it before then. Was told by the rep shed make a note of the payment being sent in and on what date. Not sure why Im still getting called about this then.
Consumer complaint received 2020-01-29
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. (TX)

My name is XXXX XXXX and I have been working on things reporting on my credit file that are not accurate with all three bureaus. For some reason TransUnion is the only one that still have not corrected a huge mistake. They are reporting XXXX XXXX XXXX   XXXX as a paid repossession and that is NOT CORRECT. I have personally spoken with the bank and they indicated that it should not be listed as a Repossession.  The worst rating was 60 days late and it was paid in full. I have requested on several occasions for this to be corrected!!!!
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-12-30
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 U.S.C 1681, I advised XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 

However, the credit agencies all stated everything was complete, and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also another violation is 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-29
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. (NY)

I've sent a previous complaint about the FCRA violation from a creditor as well as all 3 credit bureaus. I requested a copy of a signed contract along with the statue of limitations and charges that said creditor is saying that I owe. It's been 8 months and the only thing they've sent was a weird statement showing interest charges from a card that I've never had. This also violates my rights, because it was removed about a year ago and has since been Reinserted and I was never made aware of this from XXXX XXXX which is another violation. This debt has never been verified thus the credit bureaus have allowed it to come back on to my profile showing verified. How can they be allowed to do with a bogus statement. This is not only hurtful especially because I do not owe this debt at all. My son is in his last year of school at XXXX College in XXXX and this is preventing me from paying his balance with a Parent Plus Loan so that he can graduate on XX/XX/2020. This debt is not mine please force them to remove this immediately. 

My previous Complaint ID # XXXX Warmest Regards, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

During the afternoon of XX/XX/2020 A man showed up at an apt where my wife and kids live located in XXXX XXXX, FL. No uniform, no id, no logo on shirt. 

This is a private enclosed residential development and unexpected visitors must use the internal phone system to contact residence. My XXXX  small children and wife reside at this apt because random people are not allowed to just walk around or enter and knock on peoples doors. 

This man was not in uniform, did not disclose or share his name or state who he represented. Neither did this man furnish any form of official identification. My wife simply described the man as an Older XXXX XXXX Man. 

My wifes first language is XXXX  and she has difficulty understanding English. All my wife can tell me was that a man from the court possibly a police officer came to the apt demanding I show up in court. I know that police and court houses do not work this way. This individual also asked for her name. 

This individual left my wife with a bundle of uncertified ( No original county or state seal ) papers for a XXXX XXXX credit card and some from the XXXX XXXX county courthouse. 

I searched using my name and found a case, however ; based on the dollar amount from the XXXX papers I suspect that this case could be fraud/incorrect or some kind of collections scheme.

I have had issues in the past with collections, however ; this is the 1st time an un-uniformed man shows up where my wife and children live ... what seemed to be impersonating a county worker or law enforcement officer. ( This is how my wife described the individual and their conversation ) The only people who show up where my wife lives unexpectedly are XXXX, XXXX, XXXX, and her friends. Everyone else uses the phone system or calls before they come. The apartment development is private property. 

What if a criminal or a delinquent decided to impersonate a debt collector, officer or county worker, and raid the apt or XXXX one of my children? 

I am writing this letter because ... I have difficulty believing this type of activity/process/procedures are endorsed by the Police of XXXX XXXX and the County of XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX is behind this they were trespassing, impersonating to be gov employee or officer and harassing my wife.

I have asked my wife three ( 3 ) times what the Mans name was, and she can not tell me.
Consumer complaint received 2023-12-30
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: EQUIFAX, INC. (TX)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX CHILD SU XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX  Balance Owed : XXXX XXXX XXXX Balance Owed : {$740.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2020-01-29
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. (CO)

Transunion is reporting incorrectly a collection in the amount of {$500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX XXXX in search of an internet provider. I was talking to a customer service agent and the telephone call was disconnected before I could give them any credit card information. I tried calling back and was routed to an overseas help desk and I was unable to understand what the representative was asking me. I asked the representative to transfer me to a supervisor. They were unable to transfer me to a supervisor. I then asked the representative to immediately cancel any service I allegedly signed up for. I was not aware, since no money was exchanged, that they could just send me to collections for an account I did not agree to open up, and had specifically asked to be cancelled. I never received any statements and consequently had no knowledge that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the  bureau to remove this however, I have not been successful.
Consumer complaint received 2020-01-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advance America, Cash Advance Centers, Inc. (FL)

On XX/XX/XXXX my wife XXXX XXXX received a text from XXXX saying that " I ( they ) need a call from you ( my wife ) today XXXX XXXX there is an urgent matter we need to discuss ''. I called the number from my phone and spoke to XXXX from XXXX XXXX. He said there was a payday loan from Advance America from XXXX for {$510.00} that they were willing to settle today for {$400.00}. I told him that I wish to dispute this as I do not recall having had such a loan, although my ex-wife did take several loans from Advance America. He said I would have to dispute this directly with Advance America and that XXXX XXXX would continue with their collection efforts including adding this to my credit file. When asked, he refused to give me their address for me to mail them my dispute since I received nothing from them in writing. He said he needed to put me on hold to get the number to Advance America, then he disconnected the call. I immediately called back and he picked up and disconnected the call again. I called again and spoke to another rep ( a female whom I can't remember her name ). She gave me the address when I asked for it but when I asked to speak to a Manager the call was disconnected again. I called from my wife 's phone and spoke with a female named XXXX. She said she would not be able to give me the number to Advance and that I would have to find the number online or by another means, that they would not be sending me written notice because they sent it to an address I moved away from in XXXX ( even though all address changes have been submitted to the United States Postal Service ), and that XXXX XXXX would proceed with processing this as a collection against me even if I dispute it with Advance America. When I told her that I wanted to speak to a Manager, the call was again disconnected. I still have nothing in writing and no reference to this supposed debt.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank (GA)

I had illegal charges on both of my checking accounts from XXXX. My account was illegally charged on both checking accounts that Synovus paid. I disputed these transactions and Synovus never ever investigated. Because of this every transaction that was deposited into my account also went to these illegal transactions. I have called Synovus multiple times because of this to no avail.

Synovus has a history to doing this to certain customers. This bank need to be investigated.
Consumer complaint received 2022-11-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Professional Services, Inc. (MI)

Harassment, I got many calls within 24 hours. Some after the hours of XXXX. I responded and asked them to stop calling as I am currently unable to pay the debt but they continued to harass me. I blocked one of their numbers, but the collector simply switched to a different number. Over the course of two days they called six times, four of which after the original number was blocked. 

In addition, another party had agreed to pay for the debt but the collector refused to listen.
Consumer complaint received 2023-12-30
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: NEW YORK COMMUNITY BANCORP INC (TX)

According to the law in 15 U.S.C 1681, consumer reporting agencies must adopt fair procedures for credit and info accuracy. But XXXX, you're not meeting my needs or being fair by reporting errors. 

Under 15 U.S.C 1681a ( d ), a consumer report covers any info from a reporting agency about a person 's credit worthiness. You can't claim to verify accounts unless you can prove it, as per 15 U.S.C 1681a ( e ), which defines an " investigative consumer report. '' There shouldn't be specific factual info about my credit record directly from a creditor, as the term " creditor '' means someone who regularly gives credit. This is a violation of 15 U.S.C 1692b ( 2 ) and 15 U.S.C 1692a ( 2 ).

As per 15 U.S.C 1692c ( b ), communication shouldn't happen unless it involves the consumer, attorney, or a CRA if permitted by law. Only specific actions are allowed for refusal to pay a debt.

Debt collectors aren't allowed to use any conduct that harasses, oppresses, or abuses a person in collecting a debt, as stated in 15 U.S.C 1692d. Threats or harming someone's reputation or property are also not allowed, as per 15 U.S.C 1692d ( 1 ).

False representation about the debt or communicating false credit info is against the law, according to 15 U.S.C 1692e ( 2 ). Also, foreclosures, repossessions, wage garnishments, or arrests for debts are illegal under 15 U.S.C 1692e ( 4 ).

If a dispute is made in writing, debt reporting must stop until the dispute is resolved, per 15 U.S.C 1692g ( b ).
Consumer complaint received 2023-12-30
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-30
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. (TX)

I am writing to file a formal complaint regarding the ongoing challenges I have faced in attempting to correct late open accounts on my credit report. Despite multiple attempts to address this matter, the inaccuracies persist, adversely affecting my creditworthiness and causing significant frustration. 

These inaccuracies are negatively impacting your credit score and causing financial distress. 

Under the Fair Credit Reporting Act ( FCRA ) it is the obligation of Credit Bureaus to conduct a fair and thorough investigation into disputed information. 

I am requesting that you investigate this issue promptly, and to work with the relevant credit reporting agencies to address the persistent inaccuracies related to the late open accounts. 

I am deeply frustrated by the continued presence of these late open accounts on my credit report despite my repeated efforts to correct the inaccuracies. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to rectify the persistent inaccuracies promptly. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00}.
Consumer complaint received 2023-12-30
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: EQUIFAX, INC. (CA)

In XX/XX/XXXX I was made aware of the EQUIFAX data breach and was given compensation and free credit reports for the credit bureaus. I have not been able to acquire any free credit reports nor unable to to log into XXXX free service to dispute or follow up or my requests for removal. 

My consumer rights and privacy have been violated. 
I did not authorized these companies to pull my credit report. 
I want these removed immediately or I will sue for the lost time and headache dealing with this. I have attached an FTC Affidavit. 

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 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (PA)

The company was totally incompetent at handing off the process from one person to another. Any response I had to a request for information from them took days to respond to. Despite being told that I will be out of the country and need a POA, I wasnt notified until the night before the closing that the POA has to be a relative and I was not given a reason. The closing company was surprised by that requirement as well. Despite being told that the closing was XX/XX/XXXX from the beginning and that I will be in flight/transit on the day of closing and would need to wire money the day before, I did not get a final closing disclosure with the final amount. The one I did get was very different than the final one. The closing company was waiting for better.com to send them documents and were extremely delayed. 

They kept changing the terms of the loan regularly. and any updates from me would not get logged or anyone at better.com notified about that.