davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (VA)

On XX/XX/XXXX, I schedule a transfer from my Marcus Goldman Sachs ( or MGS ) ( the account with the issue ) to take place on XX/XX/XXXX for a total {$13000.00} to my XXXX XXXX  account. On Wednesday, I learned that MGS could not verify my XXXX information- which is absurd because not only you are not allowed to add a new linked bank account if it is not verified - let alone go through with a scheduled transfer, but also I did do transfers to that ( supposedly unverified ) account in the past! so the transfer did not go through. Instead of offering to transfer to my other bank account registered with them ( XXXX XXXX XXXX XXXX XXXX ), they also blocked me all access to my account telling me -as evidenced by a recorded call, that my access has been restricted. This is the money I set aside to pay my taxes, which I am having an issue doing. TO add to my stress, no transaction is showing up in my dashboard after XX/XX/XXXX, including withdrawals by my credit cards, vehicle payments, or money coming in such as XXXX from my Employer, which took place on Friday. Since this bank does not have a physical presence ( only online ) effectively I dont have access to my money. In the screenshot attached, you can see that no transaction is shown after XX/XX/XXXX ( although there should be several, as described ), with the exception of another attempted transfer that I initiated today but which did not effect yet.
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (FL)

I have been violated by the Experian, XXXX and XXXX XXXX reporting agencies. My Information was given to them without my consent. 
Saying I owe a credit card debt. This debt is not mine. Not only is it not mine my privacy has been exposed and used by the credit reporting agencies. This has caused me a lose in founds. A lowering of my credit score which they have absolutely not right in doing. It has caused me much embarrassment and heart ship. There are many USC codes they have violated along with synchrony bank As well. I have already sent synchrony bank an identity theft repot as of 2 weeks ago. Ive also done a CFPB complaint on them as well. I was never notified of anyone running my credit nor was I notified about this account before being placed on my credit report. I demand Experian, Experian and XXXX XXXX to remove the XXXX XXXX  information off my report and file along with the hard inquiry immediately. 
The worst part about this mess is none of the reporting agencies have the same amount or dates. The hard inquiry shows XXXX XXXXXXXX  The card was placed as an account on XXXXXXXX XXXX. How does that even make sense. I have pictures to prove this.
Consumer complaint received 2024-07-08
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-05
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)

I am writing to dispute the following information on my credit profile and have the following account numbers here to be removed from my credit profile immediately. I am a victim of identity theft and did not open any of these accounts. I also haven't made any of these inquries below and would like all information below deleted XXXX credit management XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On XX/XX/2023, I opened a Citi checking account. On XX/XX/XXXX and XXXX, I deposited {$550.00}. On XX/XX/XXXX, I put in a request on the mobile app to transfer {$29000.00}. However, the next day I could not find any record of this transfer request on Citi 's mobile app or on the web at Citi.com. Accordingly, as any customer would, I assumed the transfer did not go through. Therefore, I made another transfer of {$10000.00} on XX/XX/XXXX which got deposited into Citi 's account on XX/XX/XXXX. However, the original {$29000.00} did go through ( despite no record of it originally ) and this double transfer got denied because there were not enough funds in the other bank due to the {$10000.00} transfer. This is clearly not fraud and an honest mistake due to Citi 's poor app/web capabilities, yet Citi nevertheless decided to close the account. 

Citi has been holding my {$10000.00} and refusing to give me my money back since XX/XX/2023. It's been almost one full calendar day and Citi is refusing to provide exact details on when I will receive my money back other than a vague " 30-60 day '' timeline. Why would it take 60 days - is the fraud team twiddling their thumbs? Is that calendar days? Is that from the day they blocked the account or close the account? Is the check going to be mailed on the last day so I need to account for more days after 60 days? From the day they blocked my account to the day I get my money back, I could be looking at 90+ days all in all. How is this not illegal??
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO (PR)

We received the " Statement of Mortgage '' and " Informative Return - Mortgage Interest, Form XXXX '' for the XX/XX/XXXX year from FirstBank Puerto Rico ( FDIC XXXX XXXX ). Both documents have multiple errors, including the amount reported to IRS. These documents are fundamental for us in order to file our income tax returns. 

We went to the local office of FirstBank Puerto Rico and were told that in order to solve the issue we should contact their Customer Service by phone. We contacted the FirstBank Puerto Rico Customer Service on XX/XX/XXXX and requested the correction of both documents. We were told that correct versions will be emailed to us by XX/XX/XXXX. Since then no action was taken and we contacted FirstBank Puerto Rico Customer Service again 5 more times. As of today, XX/XX/XXXX, we have not received the corrections yet. This is creating a burden to us since we do not have the correct documents to file our XX/XX/XXXX tax returns on time. 

Since our documents are erroneous, we suspect that the IRS and the local tax authorities are being reported with incorrect amounts from FirstBank Puerto Rico.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX/XXXX XXXX XXXX is appearing on my credit report wrongfully duplicated under two different account numbers.acct no XXXX and acct no XXXX are medical collection accts.Additionally, I had government insurance at the time of service.Thirdly, at the time of service, I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These collection accounts are wrongfully appearing on my experian and XXXX credit reports.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion is known for sending out stall letters when you try and report inaccurate information. They are currently in violation of 15 USC 1692 c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 


ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT!! I ALREADY HAVE FRAUD PROTECTION
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/year> I deposited my payroll check from my employer in the amount of {$1100.00}. XXXX into my Regions checking account. Regions has received direct deposits from this employer into this checking account before. Due to issues with my employers payroll system ADP I had to get a check. After depositing my check, Regions placed a hold on it till XXXX. That is beyond reasonable! in this day in age it should not be taking that long to verify a XXXX check! Especially when they have received direct deposits from this same employer before! It seems nobody is willing to put their thinking caps on these days and this causing me a hardship! These are wages that I worked for! Who is actually regulating this process?? There needs to be oversight on these hold times. People are living paycheck to paycheck and can not afford this type of mismanagement!
Consumer complaint received 2018-04-02
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. (PR)

I have a credit card with XXXX XXXX XXXX and financed with XXXX XXXX. The agreement was o payments o interest until XX/XX/XXXX they charged ne 38 every month and additional they report the account past due on my credit report. I submit a dispute and they corrected the credit report as outstanding for the month of XX/XX/XXXX. On XX/XX/XXXX they reported 30 days past due again and I made. I wanted synchrony bank to correct my credit report and eliminate the 38 charges for late payment. That constitute a deceptive and abusive action from XXXX XXXX. They also decrease approved credit limit.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I asked for a modification for my home and they are now wanting to foreclosed on my home with fraudulent documents. I 'm only 4 months behind on my payments.due to a hardship I sent them a QWR and a proof of claim and they have not answered any of my questions. They are attempting to foreclosure on me with fraudulent documents when the mortgage lender is out of business. Please help me. I want my home and I want to stay In in my home. The alleged trust that they deposited loan was outside cuttiff date for the PSA. I have revoked the poa that was filed in the rea estate division of XXXX county.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-09-15
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXXL Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PR)

I have a credit card with XXXX XXXX XXXX and financed with XXXX XXXX. The agreement was o payments o interest until XX/XX/XXXX they charged ne XXXX every month and additional they report the account past due on my credit report. I submit a dispute and they corrected the credit report as outstanding for the month of XX/XX/XXXX. On XX/XX/XXXX they reported 30 days past due again and I made. I wanted XXXX XXXX to correct my credit report and eliminate the 38 charges for late payment. That constitute a deceptive and abusive action from XX/XX/XXXX. They also decrease approved credit limit.
Consumer complaint received 2024-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

on XX/XX/2024 i was scammed by a XXXX account promising a rental apartment in XXXX XXXX. They emailed a signed rental agreement and asked for a security deposit for one month 's rent. i XXXX  them {$1200.00} from my Bank of America account. they claimed that this payment froze their bank account and after several days of back and forth they confirmed receiving the money. 

now they are asking for first month of rent without willing to talk on phone or provide keys to the place.
Consumer complaint received 2024-05-04
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. (IN)

have contacted all companies : XXXX, XXXX, and Experian, and expressed my request for them to remove the inquiries. However, I was informed that they would do so, but they never have. 

They furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ).

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I have been added in several data breaches : Data breaches : Review the data potentially exposed in 10 breaches : XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Email List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX 2019
Consumer complaint received 2024-05-09
Product: Credit reporting 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-05-09
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. (OK)

I hope this message finds you well. I am writing to bring to your attention an ongoing issue with a late open account on my credit report that requires immediate resolution. I have thoroughly reviewed my financial records and can confirm that this account should not be active or associated with my credit profile. 

As maintaining an accurate credit report is crucial for my financial well-being, I kindly request an urgent investigation into the late open account and immediate action to correct this error. Additionally, I seek transparency regarding the steps taken during the investigation process and a clear explanation for the continued presence of this inaccurate information on my credit report. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$7200.00}.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

Nelnet takes 2hours every time to get ahold of. Each time ( 3 times ) Ive gone thru the process, their customer service rep tells me they cant correct the amount on my bill that I owe - despite knowing what the amount is- so I am left hanging, ready to pay but I cant because the new plan isnt showing on the website! Its been 3 weeks of this and they still havent corrected. I dont want this to go into next month when payments are due and I am negligent because I have been working hard to get this set up.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to file a formal dispute regarding inaccurate information that appears on my credit report. I have reviewed my credit report and identified several accounts that are reporting inaccurately, which is negatively impacting my credit score and financial standing.