davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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: GOLDMAN SACHS BANK USA (NJ)

I am filing a formal complaint against Goldman Sachs Bank USA because they have violated my consumer rights. Goldman Sachs Bank USA did not give me a chance to opt out before sharing my personal financial information with third parties, including other financial institutions and credit agencies. This is against both federal law ( Gramm-Leach-Bliley Act ) and New Jersey state law ( NJ Data Protection Act ). 

I told Goldman Sachs Bank USA that I did not agree to them sharing my private information. They responded by saying that they have the right to share my information according to their Privacy Policy. However, their Privacy Notice says that information collected by financial institutions is subject to federal privacy laws and states that they wont share information about New Jersey residents with non-affiliated third parties, except as allowed by New Jersey law. 

I have never signed any agreement allowing Goldman Sachs Bank USA to share or sell my personal information. I have requested a detailed account statement, including evidence from an authorized representative, to clarify who funded the account and the actual amount owed. Instead, Goldman Sachs Bank USA only sent me a copy of the Promissory Note, which shows multiple violations of the Truth in Lending Act. 

I have instructed Goldman Sachs Bank USA to send all correspondence to a specific address and stated that any mail sent to another address is inconvenient and an invasion of privacy. Despite this, they continue to send mail to an address that is difficult for me to access. 

Goldman Sachs Bank USAs actions are a form of identity theft, as they are sharing my personal information without my consent. This is an abuse of their legal authority and attempts to collect debts through unlawful means. 

According to federal and state laws, I should have been given a reasonable chance to direct that my personal information not be shared. The contract and Promissory Note in question are invalid and unenforceable. I am seeking damages for violations of the Fair Credit Reporting Act, Truth in Lending Act, Uniform Commercial Code, and New Jersey consumer protection laws.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
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 am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNT
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully ask that the following accounts and inquiries be removed from my credit file : Unauthorized Accounts : 1. XXXX  XXXX XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2024-10-30
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. (OK)

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.

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 2024-10-30
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. (TX)

I've recently checked, my credit report and noticed inaccurate unauthorize Inquires. This Agency is violating my Consumers rights by false misleading information, misrepresentation, and deceptive means. I've made serval previous attempts to fix these issues directly with them and there violating my rights and I am entitled to {$1000.00} for every violations I listed, they either pay me or delete these negative accounts ASAP.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor.

First-Time Issue : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

INQUIRIES LISTED BELOW! 
XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX removal date XX/XX/XXXX XXXX XXXX XXXX  inquiry XX/XX/XXXX THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 SECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL AS XX/XX/XXXX THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS. 
as XX/XX/XXXX the 3 credit bureas removed this fraud account, and then between XX/XX/XXXX -- -- XX/XX/XXXX this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as iam not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT. 

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible! 

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Consumer complaint received 2024-10-30
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. (CA)

I am writing to demand the immediate removal of an inaccurate late payment entry currently reflected on my XXXX credit report. I have provided substantial documentation proving that my payments are fully up to date, and XXXX 's repeated claims of " verification '' of this erroneous information constitute a blatant disregard for both accuracy and my consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX has a legal obligation to ensure that all information reported is **accurate, complete, and timely** ( 15 U.S.C. 1681e ( b ) ). Despite my extensive communication and submission of evidence, XXXX has failed to comply with this federal requirement, instead choosing to maintain an inaccurate, damaging entry that has already caused undue harm to my credit profile. 

**This dispute has been ongoing for several months, and Experians failure to adequately investigate and rectify this inaccuracy constitutes a violation of my rights under the FCRA . ** Specifically : 1. **Incomplete Verification Process** : The process XXXX claims to have followed does not constitute reasonable investigation under FCRA guidelines XXXX The failure to incorporate provided documentation confirming on-time payments directly conflicts with Experians duty to perform a diligent review. 

2. **Violation of Consumer Rights** : Under 15 U.S.C. 1681i ( a ), XXXX is required to delete or correct inaccurate, incomplete, or unverifiable information within 30 days. By failing to correct this erroneous entry, XXXX is not only in violation of this statutory requirement but is also **jeopardizing my ability to secure necessary financial services**. 

I demand that this inaccurate late payment entry be removed immediately from my credit report, with written confirmation of its removal provided to me at the above address within **10 business days**
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My entire student loan debt was discharged in bankruptcy court. Filed XX/XX/XXXX. I Have copy of signed order of Court stimulating the entire debt is discharged under undue hardship. The balance owed is {$0.00}. XXXX has updated my report to reflect zero balance but my attempts with transunion and XXXX have not worked and amount is still on my report. I disputed it twice nowadays their reports says information was reported as correct. I have the Court 's order and don't understand why this is continuing to remain on my credit report. I have been wanting to buy a home and this loan balance is preventing me from doing that. The order discharging debt was signed by Judge XX/XX/XXXX.
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've recently checked, my credit report and noticed inaccurate unauthorize Inquires. This Agency is violating my Consumers rights by false misleading information, misrepresentation, and deceptive means. I've made serval previous attempts to fix these issues directly with them and there violating my rights and I am entitled to {$1000.00} for every violations I listed, they either pay me or delete these negative accounts ASAP.
Consumer complaint received 2024-10-30
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. (TX)

Someone applied for a loan Thur these people Im not sure how and they have been sending me information about this account that Im not aware of about making a payment in order to get more money.i domt apply for loans I have never applied for a loan.
Consumer complaint received 2023-07-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

On XX/XX/XXXX I leased 2 vehicles from XXXX Hyundai that were suppose to have monthly payments of {$370.00} each. My spouse came with me as I needed his signature for credit purposes. We were there a very long time and when we were about to sign for the leases the leasing manger started talking about a Tire and Wheel Protection Plan that he highly recommends because XXXX XXXX is famous for nails in tires etc ...., I initially said no when he told us the additional amount. He was very persistant and came back with a lower price for this plan. Due to the amount of time already spent in the dealership and my husband getting more upset with me, I said " yeah go ahead put it on ''. my monthly payments then went up to {$390.00} and {$390.00}. I thought I could cancel this at any time and just make my normal care payments, not realizing this was part of the Lease Agreement incorporated into the monthly payment. On or about XXXX of XXXX, I called the dealership and asked how to cancel the plan. I was told " oh we can cancel it, but you still have to make the same payments and at the end of the lease payments number XXXX & XXXX will be paid for because you would have an overage. '' I told them that is not what I wanted to do and was told there is nothing that can be done. I called Hyundai Motor Finance several times beginning XXXX and got bounced around to numerous different people and departments and not one person could answer the question I was asking. I was told that they didn't even see a Tire Protection Plan on the agreement but there may be some way the computer system divides the money. I finally this past week was able to get someone that informed me there is absolutely nothing Hyundai Motor Finance can do and if I just make the {$370.00} payments on both vehicles that they would mark me as being late with both payments every month. I do not want my husbands credit to be ruined as it already went down because XXXX Hyundai did 2 credit checks on him which was not necessary when they already had one and could have used it towards the other vehicle that day. Anyway, I DO NOT NEED THIS TIRE/WHEEL PROTECTION CONTRACT NOR DID I WANT IT IN THE FIRST PLACE BUT WAS FORCED INTO IT BY THE LEASING SALES MANAGER AT XXXX HYUNDAI . I just want to make my vehicle payments which should be {$370.00} each.
Consumer complaint received 2020-01-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (CA)

This is in regard to Paypal-a company that is clearly breaking the law-but it is a serious uphill battle fighting them as they seem to care about no one. I had 3 accounts with them ; then an ID theft ; once I reported that ID theft in XX/XX/2018( when it affected me ) I told Paypal that I felt strongly that many charges were fraudulent and my ID theft was not only verified by the FTC but proven ( completely ). They immediately closed my Paypal accounts to online or app access, and after 60 days reject all 25 disputes I claimed ( as the names of the charges were too vague, one letter names, numbers, etc-I needed to know who they really were ) on a Sunday at XXXX XX/XX/XXXX ... all of the disputes were rejected in a plethora of late night form type emails. I never paid these accounts because of this clear breach of contract-now they send them each to collections-where I explain this to each agency, they then return the debt to Paypal, and XXXX XXXX-both of whom I have not only contacted, but basically after hearing my story-dismissed it as " too difficult '' and to late for their 180 day window ). But I filed my disputes within 30 days of the problems arising-and yet, they still would not allow me any courtesies. Now they are getting each collection sold BACK-over and over again, as the agencies agreed these were not collectible debts-then Paypal and XXXX XXXX   sell them yet again-it has now been 6 different collectors,  and it seems this will continue. I believe this isn't legal-but moreover, I strongly believe Paypal, a public company has violated their charter-and I think my proof of my ID theft was very compelling. I am asking for your assistance in this matter, otherwise I would need to sue Paypal-a daunting task, and probably fruitless. Thank You
Consumer complaint received 2015-04-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OH)

My mortgage payment increased without notification. Upon further research, I discovered that a disbursement was made from my escrow account in XXXX of 2014 for taxes. My taxes were paid in full prior to closing in XXXX of 2014. I contacted the county 's treasurer 's office and confirmed that the taxes were paid in XXXX of 2014 and no additional payments were received after that date. The mortgage company is not assisting me. I contacted them multiple times and keep being told that they do not have my closing documents. This has created a financial hardship for me and no one is helping me. My account is currently serviced by LoanCare. Their Customer Service department is rude and no one follows up with what they say that they are going to do. Please provide assistance so that my mortgage payment does not become delinquent.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I requested them to remove erroneous information over a month ago over the phone and resent via certified letter on the XXXX XXXX XXXX because they never removed from my verbal complaint. and I included a copy of my current address and submitted my Drivers License that matches my address and a copy of my social security card with the certified letter. 

I requested them to remove an XXXX XXXX collection and XXXX late payments from XXXX XXXX XXXX XXXX and as stated above I sent all the required information. Equifax, sent me a letter simply to delay the process requesting this information again. I request that equifax remove these items immediately for it has been past the XXXX days since this was requested and they already have the information that they are requesting for it was all sent via certified letter. I refuse to pay another XXXX dollars to send what I've already sent to them.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a credit card number XXXX XXXX XXXX XXXX with Bank of America under my name and they cancelled with no further notice with XXXX payments delay, they closed a SECURED credit card without any notification, and when I made the payment in the third month, I noticed that it didnt go through because the account had been closed. They claimed that I had answered a phone call and confirmed that I was aware of the closure, obviously that never happened. I asked for the last XXXX statements in order to have by written I did a payment before the third month of delay ; but the told by phone today me the account was closed and they do not have statements anymore.
Consumer complaint received 2024-08-15
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

MATTRESS FIRM / SYNCHRONY HOME I made a purchase of a mattress from Mattress Firm on XX/XX/year>. Shortly after receiving my card, I found XXXX unauthorized charges on my account, which were made even before I had received the card. When I checked my balance online, I noticed that the website only displayed the charged amounts without details of the purchases. The total charge for the mattress was {$3700.00}, which is approximately {$700.00} more than what I had agreed upon initially. Additionally, there was another charge for approximately {$200.00} and a third charge for around {$1700.00}. Unfortunately, I can only provide approximate amounts as I can no longer access my account. To access my account, I need the card number, but my card was cancelled due to fraud. When I requested the representative 's name, I was told that I would receive a full report of our conversation via email, but unfortunately, I never received anything. My main goal is to promptly settle the payment for the mattress and close the account as soon as possible. This purchase has been a shopping nightmare from the very beginning. I am eager to resolve this issue and move forward.