davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I have a HYSA with Marcus Bank. I have over XXXX XXXX  of my life savings stuck in there for over a month. Im unable to use the mobile app to check on my funds and when I call to unlock the account they tell me its under review and they cant do anything. They have been telling me this for the last month with no progress. When I ask to speak to a higher up they tell me that Ill receive a call and days later I never do. I do not wish to be associated with them any more. I just want my money, Ive told them Im willing to go through whatever verification steps I need to close the account and have the funds either transferred back to my bank on file or receive a check. And they just keep saying that since the account is under review they cant do anything. I dont have the exact dates since they dont even send me an email with confirmation of anything. I first called late XXXX. Its now XXXX XXXX and Ive made XXXX progress. The last time I called they gave me a case number, which I can provide if necessary.
Consumer complaint received 2024-04-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NY)

I received gift card for {$100.00} and it was in my possession a little over 2 years. I tried to use it at XXXX and it was declined. I called the company and was told that a charge was made in XXXX  California, I reside in NY. As this was a gift card, only the issuing company would have had access to its information and it aging unused status and thats why Im filing this complaint. Additionally the store clerk said has seen this numerous times with this particular company. Company info : Vanilla by e2interactive InComm. They also operate as XXXX.
Consumer complaint received 2024-02-02
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. (IN)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

As far as I know, according to FCRA 605B, accounts that are being incorrectly should be removed on the credit reports. I am not sure what happened but please look at the accounts on the documents. There are reporting inaccurately on my credit report. Accounts and even status are incorrect. I am asking for your help as this upset me and feeling unwell because of the situation.
Consumer complaint received 2024-03-04
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: Experian Information Solutions Inc. (GA)

The XXXX XXXX XXXX that both XXXX and XXXX XXXX are reporting, beginning with # XXXX with XXXX, was originally opened on XX/XX/XXXX. XXXX XXXX account for the same XXXX XXXX XXXX, beginning with # XXXX, are also reporting that the account they have now acquired, was also opened XX/XX/XXXX, which is impossible to do for the 1 vehicle both parties are advising they both opened XX/XX/XXXX, the very same day, with different account numbers. XXXX XXXX is a debt collection agency, in which I owe no debt, and was not sent to collections, as the payment history reflected all in time payments. There are date inaccuracies that still remain after my previous invalid date dispute was not honored. you are reporting inaccurate date of last active on acct ( XXXX ). Experian is reporting date of last active XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, & XXXX XX/XX/XXXX. Experian reported CO ( charge off ) during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, however, XXXX reported OK ( current payment ) during the same dates, and XXXX has not reported any payments during the dates of XX/XX/XXXX, until current date XX/XX/XXXX.
Consumer complaint received 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC (SC)

I sent a validation letter XX/XX/year>. 

National Credit Adjusters LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Dispute Regarding Account Verification for Speedy Cash I am writing in response to your recent letter dated XX/XX/year>, regarding the verification of the account referenced to Speedy Cash. I appreciate your prompt attention to my request ; however, after reviewing the enclosed documentation, I am still unable to recognize or validate this account as belonging to me. 

While your letter confirms receipt of my validation request and states that documentation has been provided, it does not sufficiently address my inquiry regarding the purpose of the loan in question or provide concrete evidence linking me to this account. I remain unaware of any association with XXXX XXXX, and the documentation provided does not establish my ownership or authorization of the account. 

I understand that the documents provided may reflect a balance, but without clarity on the origin of the charges and any supporting evidence linking me to this account, I must continue to dispute its validity. I reiterate that I have no knowledge of this account and therefore request that it be removed from my credit report as soon as possible. 

In accordance with the Fair Credit Reporting Act, I am entitled to accurate and verifiable information on my credit report. As such, I kindly request that you conduct a thorough investigation into the validity of this account and provide any additional evidence or documentation supporting your claim. 

Additionally, I appreciate your acknowledgement of my dispute and request that consumer reporting agencies report this account as disputed. Please ensure that this dispute status is accurately reflected on my credit report during the investigation process. 

I trust that you will handle this matter with the utmost professionalism and diligence. Should you require any further information from me, please do not hesitate to contact me at XXXX or XXXX Thank you for your attention to this matter. 

Sincerely
Consumer complaint received 2024-08-12
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: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX, Care Credit did a quarterly review and lowered my available credit balance significantly hurting my score. This was unfair as I have a great credit history. This was done because of disputed information on my credit report which is not fair to use. On my credit report it is noted the derogatory marks are being disputed and are inaccurate. For Care Credit to use inaccurate information is discriminatory and unfair to me. The loan company notified me that the derogatory marks will be removed as they are inaccurate. For Care credit /synchrony bank to use this information is unfair.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was BofA 's client for over 40 years and last year I started wiring money for cryptocurrency ( which turned out to be a scam ) over {>= $1,000,000} was wired out of BoFa, after a few months of wiring money, I received two phone calls from BoFa 's employee on XX/XX/XXXX and Friday XX/XX/2023 yelling and screaming on the phone accusing me of being a criminal involved in XXXX XXXX because I am wiring XXXX  of dollars for cryptocurrency, I told her not to yell at me and that I have clients listening to her accusations but she continued with her accusations and threatened to freeze all my accounts and keep all the money, which at the time of the threat I had over {$700000.00}, because according to her it is XXXX XXXX  Both time I had clients with me who were there to sign a purchase contract for a {>= $1,000,000} house but after hearing BoFa 's accusations of XXXX XXXX  they walked away and I lost my clients, my commission and my impeccable business reputation. 

On Monday XX/XX/XXXX, all my accounts were frozen which included personal and business accounts, my credit card and debit card in addition to my not being able to sign in, leaving me stranded with NO money for gas, food, bills, no money to pay workers ... .Checks that I issued to my workers prior to having my accounts frozen could not be cashed, consequently, many of my workers threatened to have me arrested for giving them bad checks, even though I had plenty of money left in my accounts. BoFa traumatized me financially and emotionally. As BoFa kept all my money I filed complaints with government agencies who forwarded to BoFa and made them return my money but weeks later, however, BofA refused to return my credit card rewards in the amount of {$330.00} in violation of the CFPB ruling. In the meantime, I lost business, clients, my impeccable reputation to the point that I could not longer run my business from the shame BoFa put me through. Also, BofA made me lose {$490.00} in a XXXX scam from Bank of America Financial Center also in violation of the CFPB.

Bofa 's egregious actions were willful, wanton, reckless, intentional, malicious, defamatory, utter disregard for my wellbeing causing intentional infliction of emotional and financial trauma followed by cruel insensitive and defamatory remarks only compounded the pain by humiliation and embarrassment that ultimately caused me to stop working in the business that I enjoyed for over forty years. Bank of America must compensate me for over {>= $1,000,000} that they caused me lose in wire transfers to a cryptocurrency scam.
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (WI)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ROBINHOOD MARKETS INC. (MI)

Robinhood Inc informed me by email on XX/XX/2024 that Robinhood Inc had unilaterally updated their Customer Relationship Summary. I do not agree to the updates they have made. I have tried to contact the company however they do not provide customer service.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (LA)

RESURGENT RECEIVABLES LLC keep reporting this collection account on my consumer report for your own personal financial gain. I do not owe nor do I have a contract with Resurgent Capital Services L.P. collection agency. Per 15 U.S. Code 6802 ( e ) ( 2 ) prohibit the disclosure of nonpublic personal information
Consumer complaint received 2024-03-30
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. (MA)

There are unauthorized inquiries on my report that needs to be removed. I have contacted the credit reporting agency via mail and they have not removed these hard inquiries causing damages to my credit. In accordance with the Fair Credit Reporting Act these unverified and unauthorized inquiries must be removed ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, U.S Department of Education XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive been disputing a student loan that has been off my credit report for XXXX recently appeared affecting my credit score tremendously. I finally called XXXX XXXX  they acknowledged mistake and sent letters out to all XXXX Bureaus XX/XX/2024 to have removed. XXXX and Transunion took it off but dropped my credit score almost XXXX! I had XXXX XXXX XXXX XXXX XXXX XXXX i paid off and the other I applied XXXX to the other with an arrangement of {$150.00} mthly ( not reporting ). They took Almost XXXX point off my score because of this debt originally. Ive paid off XXXX and they gave me only XXXX. XX/XX/2024 my credit score was XXXX XX/XX/2024 it drops almost XXXX. This is not right! This is a noticeable trend amongst XXXX XXXX  and its unfair and unjust! I want to file lawsuit for false reporting and intentionally using their position to enable me a fair life!
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I have been banking with this company since XXXX  started with a checking account then I got savings an credit card long story short they closed my checking account about a year and half ago now because I didn't keep at least {$10.00} in it mind you I was jobless. now that I'm back on my feet an trying to reopen a checking account with them they are denying me and I'm not a first time customer I still have a savings account and a credit card that I pay the bill on monthly SO WHAT IS THE PROBLEM?
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (IL)

I attempted to re-access my credit card information ( XXXX or XXXX time in XXXX years ) and the new requirement for " creating '' the account by ELAN Financial Services is the last XXXX digits of the social security number. Knowing well the amount of identify fraud taking place and the very lackadaisical use social security numbers by all sorts of business establishments, I have established a policy of not providing my ss # over the phone or online. 

ELAN Finanical Services, which has contracted with XXXX XXXX XXXX to manage its XXXX XXXX XXXX XXXX, refuses to provide any other way for me to access my credit card information online. The company stands firm on requiring me to enter my social security number into an online " authentication system '' if I want to access credit card information and the XXXX XXXX XXXX XXXX online. 

There is far to much use of social security numbers outside of appropriate use by employers, tax reporters and federal, state and local administrative organizations. The social security numbers were not created as national identifier numbers and their use needs to be restricted to those uses as established by the federal government.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX I opened an online account for checking and savings with BMO as it was a holiday weekend I tried to XXXX XXXX a check for XXXX dollars therefore I was told it would have a hold understandable. I returned the following day with a cashiers check for the amount of XXXX from XXXX XXXX for my mothers account as she passed I was named beneficiary of it and went to deposit it and was told that someone already flagged my account as doubt to pay for the prior days deposit so now XXXX told that Friday XXXX dollars would be available and going off what XXXX told I call in and ask if the hold is off my account XXXX told that the fraud team put a hold on.my account because of the check for XXXX dollars was told my account would be closed if the for XXXX came back as a chargeback I said I have proof of funds which I emailed on the XXXX to bmo from XXXX XXXX the lady said when I called in your account will be back to normal tomorrow night being the XXXX so I went in to a branch on the XXXX in pulled out XXXX dollars then I received a call saying my account was back frozen didnt receive a reason why only that I would be contacted this is very in reasonable and Ive went to the branch multiple times because my identity was in doubt clearly are violating bank laws of deposit holds and freezes
Consumer complaint received 2023-03-22
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: DISCOVER BANK (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. 

XXXX XXXXXXXX XXXX amount {$860.00} ; Discover Bank # XXXX amount XXXX, XXXX XXXX  XXXX XXXX amount XXXX, XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX  XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, 15 u.s.c.1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A. 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 information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I requested that the information be investigated for the inaccuracy and to provide the company that allegedly verified this information. XX/XX/XXXX was the date of the last dispute letter sent out to Equifax, where they failed to provide any of the requested information. Instead they provided an updated credit report that the information was verified. In accordance to the procedures set forth below Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My consumer rights have been violated by Equifax which has caused a negative impact for me to obtain credit. Failure to conduct an investigation in a timely fashion, removing inaccurate information has caused me to get a higher percentage rate when I was granted credit. Equifax claims that the company XXXX is the source of the verification, that company DOES NOT have a report of any bankruptcies on a file that they presently have associated with me. Equifax claimed that this bankruptcy was verified on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted Equifax where I was told that they didn't have to conduct another investigation because one had recently been conducted. None of what I asked was provided to me.