davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (MA)

I opened an online savings account with XXXX by Goldman Sachs in XX/XX/XXXX, which I funded with money from my checking account at XXXX XXXX ( which was linked and approved by Marcus ). 

One month ago ( on XX/XX/XXXX ), I requested my savings to be withdrawn from the Marcus account. The transfer was reversed the following day on XX/XX/XXXX. I contacted Marcus to understand the situation, and was informed that my account had been locked. The reason provided to me was that I needed to be verified with a pin authorization sent to my mobile number on file ( the same number I have been using for years and which has never been changed since I opened the account - also the number called Marcus from ), but that since the number was not associated to my name ( whatever this means ) they couldnt verify me and therefore had to lock my account. 

I was then informed the only way to unlock my account was to sign a notarized affidavit and return it to Marcus. They claimed it was mailed to me on XX/XX/XXXX, and that it should arrive in XXXX business days. After 15 days I had not received the affidavit in my mail. I called Marcus again on XX/XX/XXXX to request the affidavit be re-sent, and I was informed that there was a new company policy which no longer used affidavits. Instead, I was to be called by Marcus within XXXX business days to rectify the situation and confirm my identify. 

XXXX business days have passed, I have not been anywhere without my phone and, surprise surprise, I havent received a call from Marcus. 
My account has been locked for one month. I have urgency in withdrawing my funds, and feel like I am no closer to having my situation solved. I feel completely powerless and have no idea what to do. 

I request Marcus by Goldman Sachs to please unlock and close my savings and CD accounts, and transfer all the funds to my XXXX XXXX account ( the original account I used to fund it ).
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to follow up despite numerous attempts I have made to correct an error on my credit report related to a late open account. Despite multiple requests, the issue persists, causing undue stress and negatively impacting my financial standing. Here is a summary of my attempts to address this matter : The continued presence of the late open account on my credit report is not only inaccurate but also unjustly affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring my commitment to resolving this matter promptly. I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open accounts entry on my credit report. Provide written confirmation once the correction has been successfully made. I understand the significance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter. I am asking for your help to correct these late open accounts in my credit file : XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXXXXXX XXXX Balance : {$25.00}.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (VA)

Venmo completed a lazy dispute. I was induced into a {$540.00} purchase, based on a false advertisement and other false statements of fact. I was charged for a six month medical subscription and cancelled immediately. Venmo advised me that I lost my dispute because the fee was nonrefundable under terms and conditions of the website. The website terms are not part of the contract because they are hidden on the website and are therefore violative of state consumer protection laws. And Venmo is erroneously construing language in this so-called website terms agreement in XXXX favor where language is ambiguous. Venmo should not offer debit products if it can not process a reasonable dispute.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I received a credit report from the mortgage company and was shocked to find evidence of identity theft. Multiple accounts, like XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, and others, were discovered, which I didn't open. I kindly request the removal of these fraudulent accounts from my credit report, in accordance with the consumer law ( 15 U.S. Code 1681b ) and CCPA/CPRA regulations.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ROBINHOOD MARKETS INC. (NJ)

**Complaint Summary : ** Traditional IRA ( RHS ) account number : XXXX Robinhood complaint reference number : Case ID XXXX Robinhood Firm CRD number : XXXX I am filing this complaint against Robinhood Financial LLC for deceptive marketing practices, failure to disclose material terms, and unjust cancellation of my Robinhood Gold membership. This has resulted in financial losses, including the denial of promised benefits and unfair cancellation fees. 

**Detailed Complaint : ** * **Deceptive Marketing : ** Robinhood induced me to join their platform with a promotional offer of a 3 % match on IRA contributions , contingent on maintaining a Gold membership. However, they did not clearly disclose that the Gold membership could be unilaterally cancelled if my account balance fell below a certain threshold. 
* **Lack of Transparency : ** Robinhood 's Gold User Agreement failed to disclose the terms for cancellation or the existence of an initial free trial period that ends with subscription cancellation. This lack of transparency led me to believe that the Gold membership and its benefits were secure. 

* **Unfair Cancellation : ** Robinhood abruptly cancelled my Gold membership without adequate warning or opportunity to rectify the situation, resulting in the loss of the promised 3 % match and imposing an unjustified cancellation fee of {$3300.00}. 

* **Financial and Emotional Harm : ** This has caused me significant financial harm, not only through the loss of the promised benefits but also through the imposition of unwarranted fees. Additionally, I have experienced considerable stress and frustration due to Robinhood 's lack of responsiveness and unwillingness to resolve this matter amicably.
Consumer complaint received 2024-06-18
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: JPMORGAN CHASE & CO. (OH)

On XX/XX/2024 and again on XX/XX/2024 there were XXXX hard inquiries on my credit report from JPMCB Card Services. Neither of these were authorized or consented by me as I did not complete a credit application. 

Additionally, XXXX phone numbers that I do not recognize are linked to my credit report. These are # XXXX and # XXXX I have been in contact with JPMCB, and they have denied/cancelled both credit applications, as well as connecting with the credit bureaus seeking a fraudulent claim with ask to have the XXXX hard inquiries and the XXXX phone numbers removed from my credit report. All credit bureaus have frozen my credit and placed fraud alerts. They have advised that I report this to CFPB.
Consumer complaint received 2023-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc. (TX)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : CIC XX/XX/23
Consumer complaint received 2024-06-10
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. (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.

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 2024-06-09
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX & XXXX XXXX  Account Number : 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 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a dispute on my Transunion credit report XXXX XXXX XXXX account number XXXX in the amount of {$21000.00} Transunion did not do a investigation and i sent a letters certified a letter from the creditor, police report, XXXX report and a copy of my ID AND SSC. They did not remove the fraud account from my credit report which is in violation of the fair credit report rules on fraud
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

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. 

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
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX XXXX IN XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$970.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX. late closed XXXX XXXX XXXXXXXX Balance Owed : {$17000.00XXXX XXXXXXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} Medical XXXX Balance Owed : {$520.00} Medical XXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. Please see the personal information listed at the top of this letter and remove all information that does not match it. 
According to the Fair Credit Reporting Act, I request that you start investigation these items and make corrections accordingly. I look forward to hearing from you I would like you to conduct an investigation for me to make certain that everything is accurate. 
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
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts 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
Consumer complaint received 2024-06-06
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. (NJ)

I ASSERT THAT BY LAW, THE TRANSACTIONS REFERENCED IN MY CONSUMER REPORT WERE NOT MADE BY ME. I CATEGORICALLY DENY PROVIDING WRITTEN CONSENT TO THE COMPANIES INVOLVED TO REPORT OR FURNISH ANY INFORMATION PERTAINING TO THESE TRANSACTIONS ON MY CONSUMER REPORT. IT IS MY LEGAL RIGHT TO ENSURE THE ACCURACY AND INTEGRITY OF MY CONSUMER REPORT, AND I REQUEST THAT THE APPROPRIATE ACTIONS BE TAKEN TO RECTIFY THIS MATTER SWIFTLY.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax and XXXX XXXX have blocked my credit and consumer reports. I have not had access to my files years because they decided to let identity thieves use and have access to my credit instead of me. In Equifax 's case, when I log into their MyEquifax product, another social security number is being displayed along with a blank credit file. The same product I have used for years allnof a sudden displays someone else 's information. 

XXXX has denied me my consumer file and has also let identity thieves have their way with my consimumer file. 

Both agencies have denied my requests to remove fraudulent addresses, inquiries and accounts or other outdated or fraudulent information not belonging to me nor initiated by me.
Consumer complaint received 2024-06-06
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. (TX)

XXXX XXXX XXXX XXXX Account Number- XXXX Whom It XXXX Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-06-06
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.