davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The card Im placing a complain about is a XXXX  prepaid debit card provided by Bank of America edd card Ive been having a constant issue with every single new debit card I receive from provider someone else withdrawals my account before I do and it takes a long frustrating time for me as this is my only form of income theres definitely a problem with this security system which has been reached by individuals which are also aware of. I would like to get a full investigation of every single purchase and atm withdrawal from XX/XX/XXXX to XX/XX/XXXX I believe that with this debit card the only way I the consumer is available to do purchases is by me being present and placing my PIN number when the purchase is done. Not by any other form or way am I supposed to do any purchase not by credit since its not a credit card The account number is XXXX under XXXX XXXX XXXX Also when dispute filed I will receive letters stating that I would be credit by certain day and it never happens Im always supposed to be calling and yet they still have me wait a additional 10 business days not including the days they have already conducted by investigating the dispute which may take 90 days
Consumer complaint received 2024-08-11
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. (CO)

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 2024-08-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (CT)

I have had and still have a savings account with Goldman Sachs Marcus for over 6 years and am XXXX XXXX XXXX and have lived at the same residence for 20 years.. I have requested them to transfer a sizable amount to an Insurance company for the purchase of an Annuity for myself and my wife at a specified guaranteed date related rate. All requested funds have been in my account for years or, in the case of recent funds, they have been directly transferred in by the US Treasury and have been posted by the bank. When I called the bank to confirm the transfer the bank said they had a " security, verification problem ''. I asked what it was and they say\id they could not tell me. I gave them EVERY piece of identification they had including ss numbers, phone numbers, password, special word id, etc, etc. they literally DO NOT have any other records of identification so there is no further way they COULD identify me. This same problem has occurred with other depositors in the last several months according to XXXX complaint reports. My funds are now locked in their bank with no recourse possible by me. This delay can cause me substantial hardship financially because I stand to loose the guaranteed rate offered on my annuity for over the next several decades. they first transferred the funds then recalled them the same day for no given reason. The funds were all previously cleared and posted as being " available '' by Goldman Sachs. I have screenshots of these transactions.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention an issue that I have recently encountered with TransUnion, a credit reporting agency. Specifically, TransUnion appears to have violated the Fair Credit Reporting Act ( FCRA ) by failing to validate a debt properly. I have requested TransUnion to validate an account that is reported on my credit report, XXXX XXXXXXXX XXXX. As I have expressed to TransUnion, this account is inaccurate and should be removed immediately. 

As you are aware, the FCRA requires credit reporting agencies to ensure that the information they report is accurate, and to investigate any disputes that consumers may have about their credit reports. In my case, I disputed a debt that was being reported by TransUnion, and requested that the agency validate the debt in accordance with the FCRA. 

Despite my request, TransUnion failed to properly validate the debt, and continued to report it as valid. This is a clear violation of the FCRA, and has caused me significant harm by negatively impacting my credit score. 

I believe that it is essential for the CFPB to take swift action to address this issue and ensure that TransUnion is held accountable for its actions. Specifically, I request that the CFPB investigate TransUnion 's practices with respect to debt validation, and take any necessary enforcement action to ensure that the company is complying with the FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (FL)

A debt collection company by the name of Procollect is reporting inaccurate information to the credit bureaus. I have paid the debt prior to it going into collections. The apartment complex will not furnish any additional information to collaborate to the debt collection company. They stated that it is out of their hands. I have provided the paid in full receipt to Procollect and XXXX and they keep validating the debt and not removing it from my credit profile.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

I have already filed a report against this company with you and I will follow up today with the attorney generals office. Midland Credit Management has been notified via certified mail from my family in Rhode Island ( with return receipt ) and by me ( through you and other reports ) that they are sending mail belonging to me to my family 's home in XXXX XXXX when I have repeatedly given them my address in XXXX XXXX 

At this point, the reports are to document the harassment and their direct flouting of the laws established by the Fair Debt Collection Practices Act. I am documenting this as I pursue the possibility of a lawsuit against them now as well.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

Account Type and Detail : The account type and detail differ among the three credit bureaus. XXXX reports it as a " Mortgage account, '' XXXX as an " XXXX XXXX, '' and Equifax again as a " Mortgage. '' This inconsistency may lead to confusion regarding the nature of the mortgage. 

Payment Status : XXXX reports that the account was " Current, was past due XXXX  days or more '' in XX/XX/2023, while both XXXX and Equifax indicate that the account was " Paid or paying as agreed '' during the same period. Such discrepancies in reporting the payment status raise concerns about the accuracy of the information provided. 

Two-Year Payment History : Discrepancies exist in the reported payment history for various months and years among the three credit bureaus. These inconsistencies undermine the reliability of the credit report and may have adverse effects on my creditworthiness.
Consumer complaint received 2023-08-04
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)

Dear Sir/Madam, Transunion made a mistake on my credit report they added a loan account from a company called XXXX XXXX XXXX XXXX , I have never opened a loan account with such a company and never had a loan opened from any company before. Also, Transunion added the following address to my credit report " XXXX XXXX XXXX XXXX XXXX, NY XXXX '' I never resided at such address and I have no knowledge about it. 

I disputed the charges with Transunion through XXXX and the results of their investigation was : TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. 

There is 0 % chance the I had such a loan account because the account was opened XX/XX/2016 and I had No SSN or any ability to have a loan or credit under my name at that time. 

This all started when I called Transunion trying to lift off the fraud alert I had put on my account in mid-XXXX. Transunion took all of my information over the phone, name, date of birth, address, and SSN number. And they couldn't help me remove my fraud alert, so I kept it as it is. Two days later, I received a notification that there has been a change to your credit report. Once I opened my XXXX XXXX account to check, I noticed that my Transunion credit score dropped from XXXX to XXXX which is XXXX point decrease. Moreover, I called them and explained to them that they made a mistake since it all happened only when I contacted them. I then disputed the loan account that was put on my credit report ; and the wrong address they put on my account. Now I'm not sure how such a mistake could happen from a credit bureau. I'm in the middle of applying for loans and this hurts my current and future plans. Transunion made a mistake and I'm paying the price for it because when I called them they said it will take 30 days to resolve the dispute and this is financily damaging to me and I don't know to etxten I have already been or will be financially harmed. Please help me resolve this issue ASAP. 

Additionally, have two dispute number one from Transunion and one from XXXX XXXX dispute number : XXXX Transunion dispute number : XXXX Attached is two pictures shows the loan account and the wrong address mentioned on My credit report. Thank you.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (GA)

XXXX XXXX violated 15 U.S. Code 1637b. It requires creditor to provide a statement in the mail following the rules of 15 USC 1637b and I never received a statement with everything in that article of the law.
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Michael J. Scott, PC (VA)

My XXXX XXXX credit card was cancelled closed in XXXX  supposedly by XXXXXXXX XXXX which put me into debt situation I lost my employment in XX/XX/XXXX now on social security XXXX, between then and XX/XX/XXXX interest built up around {$400.00} to account when account was turned over to XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX in XX/XX/XXXX I was served a warrant of debt by firm working for XXXX Scott and associates, p.c. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX court date is set foXXXX XXXX XXXX  Scott and associates requested awards letter from social security administration to create hardship account, social security documents were sent to both Portfolio and law firm both say they don't have papers ; faxed from staples to Scott and associates and mailed to Scott and associates, emailed to XXXX. These are social security award letters with my social.sec. # apperarantly getting into wrong hands today I received an scam email commenting on my hard ship which I have only discussed with both plaintiffs.It was from a XXXX XXXX, and has my address XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX  acct # XXXX, Account name : XXXX XXXX XXXX Acct # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # XXXX has violated my rights. 

XXXX5 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 2024-06-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (IL)

XXXX XXXX XXXX scammed me and ruined my smile. I asked for a refund but they refused. They promised they would send new retainers to fix the issue but never did. Healthcare finance direct is partnered with XXXX XXXX XXXX and they keep sending voicemails and emails even though I stated to them I was scammed by XXXX XXXX XXXX and will not be paying the remaining account. XXXX XXXX XXXX XXXX has not just scammed me but thousands of people that is why they are out of business now ) Healthcare Finance Direct sent a letter in the mail and I received it on XX/XX/XXXX. The Letter states Your Account could be sent to Collections once your account is sent outside the collections agency non payment of your balance could adversely impact your credit history
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-08
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC (WA)

In XXXX of 2020 we entered into a forebearance that was offered by my mortgage servicer. It was explained in documents and their website that the amounts that would not be paid would be added to the end of the current mortgage. As the end of the forbearance period ended the company stated that we would have to complete a loan modification but what was previously stated. Not understanding that they were not abiding by the Cares Act and fearing that we would lose our home we completed the load modification. After completing this I discussed what options we had moving forward and was told that we could refinance after making 3 months of our payments post modification. We made the payments and then proceeded with a refinance as we thought this was our best option to help us financially. 

This series of events has helped put us in great financial hardship and stress. I believe that Rocket Mortgage knowingly and deceptively forced customers into this trap.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-08
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

My case is with XXXX XXXX case number Case # XXXX In 2017 my personal information was exposed during the XXXX XXXX breach, and ever since, Ive been struggling with identity theft issues. An account was fraudulently opened in my name with citibank and has been reported negatively on my credit report. 
Ive tried to fix this by disputing the account multiple times with the credit bureaus, but every time they come back sayin that the company has verified the account. Ive never had any dealings with Citibank and I didnt authorize this account to be open in my name, or authorize my Social Security number to be used.. The address they have on the account XXXX XXXX XXXX XXXX doesnt belong to me, my home address is XXXX XXXX XXXX XXXX XXXX Fl with the mailing address of XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX Fl XXXX XXXX a victim of identity theft and trying to recover my identity.. This has been affecting my daily life and my ability to get credit when I need it. I feel stuck and dont know what else to do.