davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ive randomly been receiving bank statements in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX about accounts that were opened in my name. This was very weird because Ive never had an account with this bank or any of its parent companies, nor did I grant permission for anyone else to open this account. I have recently been a victim to identity theft due to a recent data breach. I believe this account was fraudulently opened as a result of such events as well. I ask that you please immediately erase and delete any accounts tied to my name since I am a victim of possible related identity theft. I shouldnt be held responsible for any accounts that I didnt authorize. Please have this corrected immediately! 

Account Not Belonging to Me : XXXX ACCOUNT # ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX, and XXXX ACCOUNT # XXXX
Consumer complaint received 2020-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS ACCOUNT RESOLUTION XX/XX/2018 {$100.00} I demand for this collection to be removed immediately from my credit Bureaus. If this is not removed within 30 day period and I demand a letter with the confirmation. I am going to sue the collection agency for {$10000.00} as my HIPAA Rights have been violated.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My husband and I have both had trouble simply setting up our accounts, getting new passwords for existing accounts, logging into the accounts to freeze and unfreeze our credit reports. It is beyond frustrating, and one endless loop no matter which option we choose to get help and resolution -- calling, chatting, emailing, using their website. Every avenue never results in getting a person who can help and resolve the situation in a timely manner. They can't even send a code for two step verification -- you end up wait hours to get the code, or you don't get it at all. It's nuts. We are put on hold forever, never called back when we choose that option, and still end up not being able to log in to freeze/unfreeze our credit reports. That is unsustainable and unforgivable for a credit agency. Get it fixed so people can freeze and unfreeze their credit when they need to in order to protect their credit and finances and to have needed credit checks go through when needed. This can not be allowed to continue. Please force this credit agency to fix these issues once and for all so consumers can easily freeze and unfreeze their credit by easily logging into and out of their accounts. This is insane and has been going on for years. That is a minimum basic ask that all the agencies should be required to adhere to, and if they can't they should not be allowed to exist as a credit agency any longer.
Consumer complaint received 2023-09-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Onity Group Inc. (KS)

I owned a property in XXXX Missouri that was destroyed by the XXXX  tornado. It is now a vacant lot. I had a first and second mortgage with Option One Mortgage Corp. When I sent them the insurance check they only released the first lien and the second one is still showing on the title and I can't sell the property. This company has been out of business since XXXX and I can't find any other company that might have purchased the debt. however, I feel like I don't owe it and they just failed to release the second lien. I need to get this lien released and I can't figure out how. I have title companies and real estate agents and no one has been able to help me get this off. Can you lead me in the right direction?
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I received my consumer reports and noticed they're showing a late payment in XX/XX/2021 and my account was never late. I've reached out to the company multiple times and never got a resolution. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I was never late on payments for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand these payments be updated to on time as they should be because I was never late. Thank you.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, I noticed a charge for {$120.00}, XXXX XXXX. I thought my USAA debit card had been compromised. I called USAA and reported the transaction as fraud. While on the phone with the fraud department at USAA, I realized the charge was my membership renewal and requested the complaint to be canceled. The agent I spoke to on the evening of XX/XX/XXXX, said she would annotate to cancel the request. Obviously it was not canceled and XXXX was infromed of the fraudalent charge. I called XXXX on XX/XX/XXXX, when I noticed that my membership had not been renewed. The agent I spoke to informed me that they received a fraudulent notice and issued a credit on XX/XX/XXXX. I informed her that I did not see that credit on my USAA account. She then proceeded to tell me that I needed to contact my bank. I called USAA and they informed that a credit had not been issued and I needed to contact XXXX. I called XXXX back and spoke to XXXX, he informed me that a reverse charge had been made on XX/XX/XXXX, to a XXXX XXXX XXXX  ending in XXXX. I informed him that I did not have a XXXX XXXX  and the charge was made to a USAA debit card ending in XXXX. He said it was an agent typo. But he said he would escalate my issue and get back to me. That evening he sent me an email that the credit had been issued and I needed to contact my bank. I want my {$120.00} owed from XXXX, they took the money ; therefore, they need to give it back.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has closed my account later than requested and they are reporting wrong balance which is not even mine. I asked them to close the card but they did not and someone ended up doing fraud on that account still Bank of America is not taking action as the account and balance are not mine. Total Reporting as XXXX dollars when even card limit shows to be XXXX so I don't understand why they are not budging as the account is not mine.
Consumer complaint received 2023-07-17
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: NRA Group, LLC (TX)

I called National Recovery Agency on XX/XX/XXXX and asked about a collection on my XXXX credit report in the amount of {$1500.00}. I know nothing about this account from the original creditor, XXXX XXXX XXXX XXXX. National Recovery Agency has my name but the social security number and address do not match their account information. 

I was never called, emailed, or contacted by mail from National Recovery Agency. I keep a XXXX number and a US address. My US phone number and US address is clearly on my credit reports, so National Recovery Agency has my current contact information. 

The representative told me there are XXXX accounts with my name showing XXXX XXXX XXXX. I have never lived in either state nor traveled to those states. The original creditor, City of XXXX XXXX is also not in the state of XXXX XXXX XXXX, but in the state of XXXX. I have never lived in XXXX. I now live in XXXX after returning from my other country, XXXX ( see attachments ). Lastly, I have not lived in the United States since XX/XX/XXXX and just returned XX/XX/XXXX ( see proof with electric bill from XXXX and resident card ), therefore the account could not have been me. 

I also called the original creditor ( City of XXXX XXXX ) and there was no account information for me. 

I'm not understanding how they were even able to put this account on my credit report if none of the information matched up. I'm upset because their negligence dropped my credit score over XXXX points.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

GOLDMAN SACHS BANK USA is reporting my personal financial information to the credit agenciesXXXX XXXX XXXX XXXXwithout my written consent for XXXX accounts ( accounts starting and ending in XXXX & XXXX. Effective immediately, they need to cease submitting this information, as it constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

According to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX 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. '' Goldman Sachs is a financial institution by definition under that title. 15 USC 1681 section 604 a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Goldman Sachs, the XXXX XXXX and the XXXX reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and Goldman Sachs, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Goldman Sachs never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( XXXX ) states " Except as authorized under subsection ( b ), 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 XXXX years. '' These accounts are an adverse item Goldman Sachs is reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( XXXX ) A states " 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. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XX/XX/2023 Re : Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) To Whom It May Concern : On XX/XX/2023, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

XXXX XXXX XXXX I am enclosing a photocopy of that original request. The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 

I will assume that I have not received your reply because you have been unable to verify this information. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you time and help in this matter. I have also sent a copy of this letter to the Federal Trade Commission. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2024-05-17
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

I have been in contact with Wells Fargo corporate office emailing back-and-forth, asking them to simply close my account every day I wake up I see them hitting me with another overdraft fee for some kind of auto recurring charge that was there that I have with another bank? They are now slapping me with overdraft fees every single day when Ive asked them over and over again to close my account.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NJ)

I reached out to Coinbase customer service because I am unable to access my Coinbase XXXX which holds just under one half of a bitcoin, a value of approximately {$30000.00}. While the customer service assured me they located my wallet and would be able to help me, they have since advised they will not provide me access. The below is from my conversation with the Coinbase customer service representative : '' Thank you for patiently waiting and for your cooperation, XXXX. I understand how crucial this is for you. I've identified your XXXX receiving address as : XXXX. Rest assured, I'm now preparing to forward all the pertinent information to our dedicated XXXX XXXX. They XXXX reach out to you via email if they require any additional information about your Coinbase wallet. As part of our commitment to transparency and resolution, I'll also provide you with an updated case number, which you can use should you need to file a complaint. 


This is your case number and I will close this case in order for you to file a complaint : XXXX and our XXXX XXXX will now handle your concern. Please stay connected while I am processing all the information that I gathered to our XXXX XXXX. I can not include the information from your XXXX since we are not supported to a third party. But rest assured that all your information provided is enough for our team to investigate and resolve your concern, XXXX. 
XXXXXXXX XXXX '' Despite the above, Coinbase has now stated they will not assist me with accessing my Coinbase XXXX and are improperly holding my crypto assets with no solution provided. This is conversion, bad faith, and theft. 


Request is made for the Department XXXX Consumer Affairs to assist with this Complaint. If you require any further information from me, or wish to contact me to discuss this further please do so.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (OK)

I reached out to Synchrony bank pertaining to my overall accounts : Sams credit card, XXXX XXXX, Ashley Home card. I finally had a representative update my credit utilization to display accurately during the month of XXXX. After this discussion my utilization was showing 65 % which was inaccurate. I then seen my XXXX report was showing improvement after my score dropped across all three bureaus for at least XXXX points. Today, I received a notification on XXXX that I had an increase in utilization of 57 % for my XXXX XXXX  card which was a balance at beginning of month of less than {$1000.00} with limit of {$2200.00}. In which I made a payment of balance to keep utilizing low below 30 % on the XX/XX/XXXX and several others ensuring I wasnt late then another payment for same month XX/XX/XXXX for remaining balance that populated on the XX/XX/XXXX to ensure reporting by the XXXX was accurate and not reflecting negative to my credit utilization. I immediately contacted Synchrony again and the representative stated after speaking with her manager that they only reported for XXXX but confirmed reporting is sent on the XXXX and the payment I made wasnt applied yet which is 7 days afterwards. Consequently the company placed a hold on my payment that was released by XXXX  XXXX XXXX on XX/XX/XXXX and posted to my credit card dashboard on XX/XX/XXXX with a balance of XXXX. Ultimately the reporting for today should reflect 0 % utilization. The representative stated she understands but they reported XXXX not XXXX but in actuality it was already posted for XXXX in which you will see in my credit report that I disputed the utilization errors initially and was thankful I was sending this be resolved. Now I am seeing intentional treatment to fraudulent report accounting for my consumer account to credit bureaus to display me as a unworthy candidate for credit or authorization of it entirely. I am aware of reporting in arrears but not willing to have a creditor take my payment then hold it even when it was processed through the bank. That is intentional to undermine my credit worthiness
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

NationStar purchased my loan XXXX 2014 from XXXX. My automatic payment was due to XXXX on XXXX XXXX and my loan did n't transfer to NationStar intil XXXX XXXX, so I thought I had until XXXX XXXX to make a payment. I received a vague notice of the transfer with information about how to log onto NationStar 's website, but it did n't work. So I thought I had time and I 'd try back. On XXXX XXXX, by certified mail, I received a pre-foreclosure notice from NationStar. I called and got it straightened out and about 10 days later I finally received the introductory letter and payment information that I should have received LONG before any pre-foreclosure notice. I could fill a book with other NationStar mishaps. The most recent ( and last because I 'm refinancing ) is a notice telling me that because my Homeowners insurance was lapsing, they would purchase insurance for me at MY expense. I did change insurance companies, but both my new insurance company and I notified NationStar about the change. I did n't receive a call from them until they received a payoff request for the loan and THEN they wanted to offer me other products to stay. You could offer me 0 % and I would say NO THANKS! Ca n't wait to be done with NationStar!!!
Consumer complaint received 2023-11-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (TX)

I moved out XX/XX/XXXX  and was told I would receive notice of the balance owed, if any. No letter or call was submitted and this showed up on my credit report. I tried contacting southern management systems and they told me they would take legal action, however I still have not been provided with any information on how the amount was determined