davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I have been using XXXX XXXX saving account from XXXX by Goldman Sachs for more than XXXX year. 
XXXX is online online bank with no real world branches. 
I always had XXXX as registered phone no. for the account. I have been accumulating money for down payment towards a house. 

XXXX XXXX I verified with XXXX customer representee if they support wire transfer for escrow accounts and they responded with affirmative. I made a request to perform $ XXXX escrow wire transfer that was major portion of my saving account. I was able to get One-time passcode ( OTP ) on my phone and the request was processed by service rep. 

XXXX XXXX The next day my account was locked. I spent XXXX hours on phone with XXXX customer service where they passed me from XXXX XXXX to another. They didn't clarify why my account was locked. 

They were also not able to confirm if the escrow was processed. Escrow transactions are time bound and i needed the money for down payment to close on a house. 

After multiple waits and XXXX hours of call, i was informed the phone number which was linked to the account is suddenly flagged by their XXXX unit ' and they can no longer use it to authenticate me. I provided them all other ways by which they can authenticate my identity but they didn't want to listen or help. The phone number is on my name. I also suggested that i can send them proof in form of phone statements that its on my name. 

Eventually, they mentioned they could use a different phone if - Its holder has same last name as mine - Shares the same address. 

Me and my XXXX stay at our address and although we are married, we don't share the same last name. I tried to highlight that in todays day and age and in various religions, people don't necessarily change last name. But, they kept passing me from XXXX XXXX to another without addressing the authentication problem. 

Then they mentioned they will send me a set of security questions that would be used for authentication. Its been more than a week and even after reaching out to them every day, they fail to provide me with these security questions. 

Bottom line : - i was denied access to my life 's worth of saving because of a problem at XXXX side. Their 'Fraud dept ' was a false alarm and they don't have any way to remedy the impact it creates. Their lack of empathy to work with customer to address the problem was appalling and disappointing. 

In this process, i will lose my bid to the home is wanted to purchase and i now i am so dejected on my decision to use XXXX in the first place to accumulate my life earnings. 
The least i would like to see is XXXX is not able to do what they did with me to any other fellow American
Consumer complaint received 2024-07-15
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/year>, I submitted a consolidation request through StudentAid.gov, along with an XXXX application ( for Pay As You Earn/PAYE ) concurrently. 

The consolidation application was processed by XXXX and forwarded to MOHELA. MOHELA successfully consolidated my graduate school loans. MOHELA then failed to complete the processing of the associated XXXX  application and is asking me to re-submit the application. 

I would like the original application processed as I had requested enrollment with the XXXX payment plan. I will not re-submit a paper application because this is not my responsibility. It is the responsibility of the servicer to access and process this application. XXXX makes it clear that the application was received by MOHELA. It is therefore MOHELA 's duty to access and process this original application. 

In addition, because my loans are currently in administrative forbearance, I am not being credited with XXXX payments for the time that I should have been, all due to MOHELA 's error in processing. I would like credit for the months that I have not made XXXX payments as a result of MOHELA 's XXXX ineptitude.
Consumer complaint received 2024-07-15
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. (TX)

My numerous efforts to address the fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has resulted in significant emotional and financial strain. As an identity theft victim, I am considering legal action if this issue is not properly resolved. These inaccurate and fraudulent entries have impeded my ability to purchase my desired home and provide for my family 's needs, severely impacting my financial stability. For your reference, I have included a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (NY)

Spring Oaks Capital LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number : XXXX To Whom It May Concern : I am writing to dispute the collection account listed on my credit report that has been placed for collection by your company. I believe this account is not mine and is therefore inaccurate. 

I have previously contacted your company to request validation of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of this debt. Your letter fails to provide sufficient evidence to validate this debt as mine. You have not provided any documentation linking me to the original creditor or any agreement I may have made with them. 

Additionally, I have never received a written notice informing me of my right to dispute this debt as required by the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OR)

I am reaching out concerning the unusual results of a recent credit inquiry through Equifax. When applying for a credit card on Tuesday XX/XX/year> at XXXX XXXX XXXX XXXX, I received the information that my account with Equifax had no credit history at all. And that in fact I received a question mark instead of a score. This is very strange because I have been building credit history for nearly 20 years now. I have five federal XXXX loans as well as two credit cards and an auto loan ( Details are included in an attached document ). I have never had a late payment. None of these things appeared on my profile with Equifax. They didn't even have any of my previous residences. My profile with Equifax is essentially my name and social security number, and just about nothing else. The following day I had two calls with customer service agents that proved completely useless. I was advised that I may not have enough credit history for a score. This isn't true, as evidenced by my score in the XXXX 's with the other two credit reporting agencies I feel like my life is being held hostage by Equifax, my wife and I are preparing to apply for a mortgage, we were denied a joint credit card and I fear that this may be a hindrance to future employment. I don't believe that Equifax is taking my complaint seriously. My Equifax complaint number is XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

Subject : Formal Complaint Regarding Inaccurate Reporting by GS Bank XXXXXXXX XXXX XXXX Compliance Violations Dear CFPB, I am writing to file a formal complaint against XXXX and XXXX for their failure to accurately report information related to my account with GS Bank USA. Despite my efforts to resolve these discrepancies directly with the credit bureaus, they have continued to report incorrect information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Summary of the Issues : Inconsistent Date Opened Reporting : XXXX reports the date opened as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The correct date, as verified by my records, should be XX/XX/XXXX. This discrepancy indicates a failure to adhere to XXXX XXXX compliance, which requires consistent and accurate reporting across all consumer reporting agencies. 
Discrepant Payment History Reporting : XXXX reports that my account was in a charge-off status with late payments beginning in XX/XX/XXXX, while XXXX fails to provide consistent reporting on the payment history during the same period. XXXX XXXX guidelines require that payment history, including delinquencies, be reported accurately and uniformly. The inconsistency between the XXXX bureaus is a clear violation of these guidelines, leading to a misleading representation of my creditworthiness. 
Incorrect Date Last Active : XXXX reports the date last active as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. The XXXX XXXX standard mandates that the Date of Last Activity ( DLA ) be reported consistently, reflecting the accurate last date of account activity. The disparity in these dates significantly impacts the account 's aging on my credit report. 
Failure to Report High Credit Accurately : XXXX reports the high credit as {$4100.00}, while XXXX incorrectly reports it as {$0.00}. This failure to report high credit consistently is another violation of XXXX XXXX standards, which require accurate reporting of all account fields to ensure fairness and accuracy in credit reporting. 
Permissible Purpose Violation and Unauthorized Reporting : This account was reported on my credit report without my explicit authorization, constituting a violation of the FCRAs permissible purpose provisions. Under XXXX XXXX guidelines, data furnishers must have a permissible purpose for reporting accounts, and in this case, GS Bank USA has failed to comply with this requirement. 
Previous Efforts to Resolve : I have made multiple attempts to correct these inaccuracies by contacting both XXXX and XXXX, providing all necessary documentation to support my claims. However, both bureaus have failed to adhere to XXXX XXXX standards and the FCRA by not correcting these errors or removing the unauthorized and inaccurate information.
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2024-07-29
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. (NY)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-17
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I XXXX XXXX XXXX XXXX and for doing that they give you a prepaid debit card and this debit card is from XXXX XXXX XXXX When I go to get cash out of an ATM machine and after specifically me looking to make sure the ATM machine I go to is a XXXX XXXX XXXX XXXX debit card, ATM machine and there will be no service fees for my transaction. Every time I use one of these ATM machines that are supposed to be free service fees, I am being charged a service fee and even when I do put my card into ATM machine I don't even get a warning that I am going to be charged. I automatically get charged a fee and then wondering why my transaction declines. I try multiple times and after every decline I am charged again without warning. I feel this is a sneaky tactic and a scam that they do know about because when I put my other debit card in the ATM machine it automatically tells me that they are going to charge me a fee. So I am requesting the debit card company to refund me all my ATM transaction fees due to their scamming purposes. The internet says allpoint ATM machines and region Banks are free ATM fees and I even looked on their app to make sure I go to the correct ATM machine for free ATM service fees. I have numers fees that I would like to be refunded due to their tactics.if you look at my activity they make it seem like I'm able to withdraw, then take on retail fee which then decline, it's all confusing.which is suspect to me along with other issues.thank you for your help.
Consumer complaint received 2024-08-17
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: OPORTUN FINANCIAL CORPORATION (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports and being a victim of Identity theft. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (TX)

I'm writing to alert you about a matter of concern in my credit file. I've noticed a collection entry from your agency that I was not previously aware of. Moreover, I have significant doubts about the validity of the claimed debt. Exercising my rights under the Fair Debt Collection Practices Act, I formally request debt validation. Please provide the necessary validation and take appropriate steps to resolve this issue.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (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 XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX, WESTLAKE FINANCIAL SERVICE : XXXX WESTLAKE FINANCIAL SERVI XXXX XXXX XXXX XXXX XXXX, CA 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 an 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 antedate 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 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (NJ)

I saw an amount of {$3600.00} deducted from my account and when I further investigated I learned it was a judgement from the courts. I contacted the saidth lawyer office and they give me the company XXXXXXXX XXXX XXXXXXXX they said they represent Velocity investment LLC and I told them send me the information because I didnt know of any loan and I did not receive any documentation that i could dispute nor did I receive court papers. It was a loan taken out in XX/XX/2016 for the amount of {$3000.00}. They then send me a fraud packet to file.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-08-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

On XX/XX/year> I made a purchase from a website for {$76.00}. It turned out the site I was on was not the actual site, but a copy of the site with a slightly different URL and was scamming people making them think they were on the actual site. I contacted Cashapp and filed a dispute. Cashapp informed me my dispute was denied because " it appeared the merchant fulfilled their obligations for the goods and services '' They did not, and is cashapp would have actually investigated they would know this. I requested an appeall from Cashapp and was informed that " They do not do appeals.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Never heard anything back was trying to get my disputes done with third party crediting places like XXXX, XXXX XXXX, and others nothing seems to go away they always Gave me the run around about how to do the process tried to do it more then once but when I request it, I would get the run around about I did it too many times and things like that.
Consumer complaint received 2024-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BROKER SOLUTIONS, INC. (IL)

After discussing looking into getting a mortgage with a lender, New American Funding, I filled out an online portal. I was under the impression, from a phone conversation, that for " preapproval '' all that would be necessary was a soft credit pull. The credit authorization I filled out specifically stated that they would " obtain information from my personal credit profile or other information from a consumer reporting agency solely to conduct a prequalification for credit. '' A hard credit pull was done. After calling to the lender to complain I was told that this document allowed for them to make a hard credit pull. 

Considering this was to be used exclusively for prequalification and that our loan XXXX assured us that only a soft pull would be done for preapproval, I feel that this company is misleading the public.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BMO Bank, N.A. (CA)

BMO N.A. 
XXXX XXXX XXXX XXXX XXXX XXXX  My complaint is regarding BMO. My mortgage is through Bank of the West and in order to reduce my mortgage package rate, I agreed to open a checking and savings account. I worked with Bank of the West to open an account that did not have any sort of fees or minimum amount required. I'm using these accounts solely for the purpose of my mortgage. I also had to fight to get paper statements from BMO when Bank of the West always offered paper statements and now I'm seeing a service and maintenance fees associated with the checking account. 

On XX/XX/ I was charged a service charge for XXXX XXXX and again on XXXX XXXX XXXX XXXX maintenance fee. I contacted the BMO representative and he said they will not change the service or maintenance fees.