davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I noticed a new account appear on my XX/XX/XXXX account. I then called XXXX fraud department and spoke with them as I did not apply for the XX/XX/XXXX card and they applied on XX/XX/2023. XXXX advised me that they will cancel this card and to reach out XX/XX/XXXXXX/XX/XXXX andXX/XX/XXXXto obtain alert. On XX/XX/XXXX I a alert that a Capital One inquiry was noted on my credit report and some had just applied for a credit card. I reached out to capital one and cancelled the application and reported it as fraud.
Consumer complaint received 2023-10-07
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Im writing this complaint to express my frustration of the conduct of these banks, trying to take advantage of me, by filing a Foreclosure lawsuit against me on a secondary/balloon loan they implied with my primary mortgage co. in XXXX with them. These Banks then in XXXX advertised on the radio that they were holding a 1-Day seminar on mortgage loan modifications to reduce interest rates drastically on the spot which they held at XXXX XXXXXXXX XXXX XXXX in XXXX. I & several other Homeowners were selected, and in fact, had our interest rates & monthly payments, reduced with our maturity dates extended & approved by them on the spot, which they also guaranteed they would file required paperwork to the XXXX XXXX Recorders office. It was just brought to my attention on Thursday, XXXX XXXX, XXXX that they did not file all required paperwork to the XXXX XXXX XXXX office on secondary/ballon loan as they should have & guaranteed. However, they did file required paperwork to XXXX XXXX XXXX office for primary loan only! Mind you both loans & modifications were done at the same time again by these banks, therefore Im taken aback by the fact that they arent taking accountability for their errors & mistakes. It seems as though they did this purposely. 
I trust this is not the way the banks wish to conduct business with valued, loyal customers. I have been with these banks since XXXX. This has affected several Homeowners & is probably a worldwide issue. I have contacted the Attorney Generals Office, it was advised to contact CFBP as 1st step into having my issue investigated & Im trying to be an advocate for us all to stop these banks from trying to take advantage of Homeowners with equity in their homes so they can make even more money off of us who have worked so hard to pay our loan payments, and keep our homes to have a roof over our heads. I am most annoyed & dissatisfied with their conduct, due to the fact that I have been paying my reduced monthly payment of {$130.00} with interest rate of XXXX XXXX under modified maturity date of XXXX since effective date of XXXX until XXXX ( Lender ) unexpectedly discontinued taking automated payments from my checking acct. due to incorrect maturity date in their system. XXXX XXXX indicated to me in XX/XX/XXXX that my loan has been put into foreclosure status despite the fact that its due to the negligence of the Banks & I have tried several times to resolve this issue, but to no avail, its obvious that I did not cause this situation. I welcome the opportunity to discuss matters further & learn how you propose to prevent similar situations from recurring. I look forward to hearing back from you as soon as possible about this unfortunate situation. Thank you for your attention to this matter.
Consumer complaint received 2023-10-07
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

Hi i deposited {$10000.00} in gemini XXXX  i tried to explain to them that they allowed a scam or fraud transaction from my money to different etherium address. 
this happen at date XX/XX/2023 i have all the proves what happen in my account. 
Gemini did not respond to me for an of my question. 
Gemini platform agreement says that they will reimburst the customers for any money loss.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

I have been battling with APPLE CARD/GOLDMAN SACHS BANK USA for over 6 months regarding billing issues amongst other things. I have sent them several mailings to which no response has been given, I have reached out via text messages and eventually they just decided to charge off the account instead of providing documentation I requested other than monthly statements. I have in numerous occassions brought to their attention this is credit line that is for personal and household use, I have requested proper accounting and for them to review the billing errors, no response and no action taken on their behalf. I have also disputed this account several times with the credit reporting agencies and it comes back as dispute " solved '' yet I have not been notified of said investigation process nor how they have " validated and verified '' said information to be true and accurate. My final mailing to APPLE CARD/GOLDMAN SACHS BANK was in XXXX and I still do not have any response. I am formally complaining to CFPB as it is my undertanding this is the correct way to start my process and get this issue resolved as it is causing me damages. I am providing a copy of what my consumer credit report shows as of today, a copy of my last mailing to APPLE CARD/GOLDMAN SACHS BANK , a copy of the AGREEMENT, and one last and final question : the IRS considers charge-offs to be income. However, the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) ( 1 ) ( A ) of the FCRA specifically prohibits the reporting of income on consumer credit reports, with that in mind, APPLE CARD/GOLDMAN SACHS BANK has several violations without getting into detailed review of their actions.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have writing several dispute letters disputing the reporting of late payments on my XXXX XXXX XXXX account, as reflected on my credit report. I believe that Equifax, as a consumer reporting agency, has violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) Section 1681a ( 2 ) ( A ) ( i ), particularly regarding the reporting of information during the XXXX pandemic. As a result of the unprecedented circumstances created by the XXXX pandemic, I, like millions of other individuals, have faced significant financial challenges. These challenges have included job losses, reduced income, and unexpected expenses, making it difficult to fulfill all of my financial obligations in a timely manner. In accordance with the FCRA Section 1681a ( 2 ) ( A ) ( i ), it is imperative that consumer reporting agencies, such as Equifax, report accurate and up-to-date information. Given the unique circumstances brought about by the XXXX pandemic, it is essential that these reporting agencies consider and properly reflect the impact this global crisis has had on individuals ' ability to meet their financial obligations. Additionally, Prior to the pandemic, I maintained a good payment history with XXXX XXXX XXXX. However, as a direct result of the pandemic 's adverse impact on my financial situation, I experienced difficulty in meeting the original payment terms. In response to this situation, I proactively contacted XXXX XXXX XXXX and provided evidence of my financial hardship, including documentation of reduced income and increased medical expenses incurred during the pandemic. Recognizing the exceptional circumstances, XXXX XXXX XXXX granted me a temporary payment arrangement, allowing me to catch up on my missed payments gradually. Regrettably, these accurate and agreed-upon details have not been properly reflected on my credit report maintained by Equifax. Equifax is also reporting my XXXX XXXX  account as open with a balance this is incorrect. My XXXX XXXX account has been PAID, CLOSED with a {$0.00} balence. Please view attachment below.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (TN)

On XX/XX/23 at XXXX, I was connected with XXXX XXXX XXXX Aidvantage ( employee number XXXX ). I am signed up for the XXXX repayment plan and have several loans which are well over 20 years since origination. Per documentation found at studentaid.gov, under the XXXX plan, loans at least XXXX XXXX XXXX are supposed to be eligible for forgiveness. I asked XXXX which loans would be eligible and when I can expect them to be forgiven. XXXX did not know the answer to that question and I sat on the phone while she visited studentaid.gov to try and find the answer. XXXX was not able to either answer my question or connect me with someone at Aidvantage who could provide this info. On XX/XX/23, I filed a request with studentaid.gov to see if they could provide info. Despite them sending me an email stating they would respond within 15 days ( attached to this complaint ), I have not been contacted by them. I am supposed to enter repayment this month, but can not without being provided with the information I am requesting. Furthermore, when waiting to talk to XXXX at Aidvantage, the pre-recorded message says that I will receive my first bill at least 30 days before the first payment is due. XXXX said it would be provided at least 21 days before my first payment is due. Not only was she NOT able to rectify which time period was correct, but it is XX/XX/23, and I still have not received my bill, so I am unsure as to when my first payment is due. I verified with XXXX that I am supposed to receive all correspondence including bills via mail, but have not received anything.
Consumer complaint received 2023-10-07
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
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. (NY)

Based on the provided credit report information from XXXX, XXXX, and Equifax for the XXXX XX/XX/XXXX account, here are the inconsistencies and inaccuracies in the data between each credit bureau Account Type - Detail : XXXX and Equifax report " Revolving account, '' while XXXX reports " Credit Card '' as the account type detail. This is an inconsistency in the account type detail. 
Bureau Code : XXXX and XXXX report " Individual account, '' while Equifax reports " Individual Account '' as the bureau code. This inconsistency is minor but still exists. 
Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while XXXX and Equifax do not provide this information. The inconsistency is that XXXX has a specific monthly payment amount, while the other two bureaus do not report any monthly payment. 
No. of Months ( terms ) : XXXX reports " Revolving '' under this field, while XXXX and Equifax do not provide any information. This inconsistency is that XXXX specifies the term as " Revolving, '' while the others do not have this data. 
High Credit : XXXX reports a " High Credit '' of " {$640.00}, '' while XXXX and Equifax do not provide this information. The inconsistency is that XXXX reports a specific high credit amount, while the other two bureaus do not report it. 
Payment Status : XXXX reports " Charged off as bad debt, '' XXXX reports " Charge-off, '' and Equifax reports XXXX CO '' ( which also signifies a charge-off ). While they all indicate a charge-off, the wording and abbreviation used are different. 
Last Reported : XXXX reports the last reported date as " XX/XX/2023, '' XXXX as " XX/XX/2023, '' and Equifax as " XX/XX/2023. '' There is a discrepancy in the last reported date among the XXXX credit bureaus. 
Date Last Active : XXXX and Equifax report " XX/XX/2023, '' while XXXX reports " XX/XX/2023 '' as the date last active. This is a significant discrepancy in the reported date last active. 
Two-Year Payment History : XXXX, XXXX, and Equifax provide different information about the payment history for the past two years. Each bureau has its own set of months and year-specific data. This inconsistency is due to differences in how each bureau reports this history.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NV)

In aacordance with the Fair Credit Reporting Act Macys/Citibank N.A.has violated my rights refernt to account # XXXX XXXX USC 1681 Section 602 A States I have the right to privacity.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writen instructions. 

See more detaills at letter attached
Consumer complaint received 2023-10-07
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. (NY)

Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), here are the inconsistencies and incomplete information among the three major credit bureaus ( XXXX, Experian, and XXXX ) : Account Number : XXXX and Experian report the account number as " XXXX. '' XXXX does not provide an account number for this account. 
Account XXXX : XXXX reports it as an " Open account. " Experian reports it as an " INSTALLMENT '' account. 
XXXX does not provide an account type for this account. 
Account Type - Detail : XXXX reports " Open account. " Experian reports " Debt Buyer. '' XXXX does not provide an account type detail for this account. 
Bureau Code : XXXX and Experian report " Individual account '' as the bureau code. 
XXXX does not provide a bureau code for this account. 
Account Status : Experian reports " XXXX '' as the account status. 
XXXX and XXXX do not provide an account status for this account. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : XXXX and Experian report a date opened of " XX/XX/XXXX. " XXXX does not provide a date opened for this account. 
Balance : XXXX and Experian report a balance of " {$370.00}. " XXXX does not provide a balance for this account. 
No. of Months ( terms ) : Experian reports " 1 Month '' as the term for this account. XXXX and XXXX do not provide a term for this account. 
High Credit : XXXX and Experian report a high credit of " {$580.00}. " XXXX does not provide a high credit for this account. 
Credit Limit : None of the bureaus report a credit limit for this account.

Past Due : None of the bureaus report past due information for this account.

Payment Status : Experian reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
XXXX and XXXX do not provide a payment status for this account. 
Last Reported : XXXX and Experian report a " Last Reported '' date of " XX/XX/XXXX. " XXXX does not provide a " Last Reported '' date for this account. 
Comments : There are comments indicating a dispute, and the consumer disagrees with the information. This information is consistent among the three bureaus. 
Date Last Active : XXXX and Experian report a " Date Last Active '' of " XX/XX/XXXX. " XXXX does not provide a " Date Last Active '' for this account. 
Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : Experian reports " CO '' ( charge-off ) for most months in the two-year payment history, but there is no payment history data reported by XXXX and XXXX for this account XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

XX/XX/XXXX I submitted disputes to XXXX, XXXX and XXXX to get several issues resolved to no avail. 
All companies listed are in violation of the Privacy Act of 1974, Fair Credit Reporting Act 15 U.S.C 1681b and the Federal Educational Rights and Privacy Act ( FERPA ) 15 U.S. Code 6801 - PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party Most Important is the violation of [ 16 CFG 313.3 ] DEFINITION ( o ) Personally identifiable financial information ( 2 ) Examples ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.
Consumer complaint received 2023-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-07
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. (CO)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}.
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Kashable LLC (MI)

Since last year I have been denied for an employee based loan advertise through my employer. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have requested verbal and written instructions on a denial reason and the company will not provide this information. Several agent have said that their company users the XXXX court systems to verify public records. I have access to XXXX and the court records do not reveal your full Social Security number and there is more than one person with the same name. The consumer has violated consumer rights according to : 12 CFR 215.3 - Extension of credit. ( I can not be denied an extension of my credit ) meaning borrowing a ) An extension of credit is a making or renewal of any loan, a granting of a line of credit, or an extending of credit in any manner whatsoever, and includes : ( 1 ) A purchase under repurchase agreement of securities, other assets, or obligations ;