davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

Marcus by Goldman Sachs force closed my account for no given reason. Many people are complaining online about the same behavior from Marcus by Goldman Sachs. There is approximately {$2000.00} in my account but I am unsure of the exact account balance. They have not sent my money back after repeatedly stating that they will. They told me the money would be returned in 1-3 business days and that was a week and a half ago. They have locked me out of the account and are refusing to send the money back or provide the statements for 2023. I requested the funds returned to my XXXX XXXX XXXX account which was the source of the funds. They have also refused access to my online statements needed to verify the exact amount of money in the account.
Consumer complaint received 2024-04-23
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. (OR)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XX/XX/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
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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. (IL)

This account was charged off on the following date : XXXX, 2022. Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charged off account should not include a active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after i asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account name : XXXX XXXX XXXX. Account number : XXXX.
Consumer complaint received 2023-09-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

To whom it may concern, I am wanting the inquiry from SYNCHRONY FINANCIAL to be removed. My application on XX/XX/2023 was denied and I have no issues with my credit or any other outstanding financial debt. I am employed and financially stable, there should have been no issues during this process and no reason that my application was denied therefore no reason to have a hard inquiry on my account for a closed/unopened credit line.
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Pennsylvania XXXX XX/XX/XXXX RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX Pennsylvania XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-21
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)

I am writing to address an issue on my credit report regarding late payments reported for XXXX, XXXX, and XXXX on my XXXX XXXX account ( Account Number : XXXX ). As someone who takes financial responsibilities very seriously, it is essential that my credit report reflects accurate and truthful information. 

I request a comprehensive investigation into these reported late payments. It is important that, before any updates are made to my account, I receive concrete proof of your findings. Additionally, I expect a detailed explanation of the verification process that was followed to determine the accuracy of these reports. Relying solely on assumptions or hearsay is unacceptable. 

I ask that these late payments be corrected immediately to reflect the accurate payment history. Ensuring the integrity of this information is of utmost importance to me. 

As me the person who credit file this is, is providing you with proof these need to be removed now
Consumer complaint received 2024-08-21
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. (IL)

I need your help with an incorrect account that is being reported on my credit file. This issue has caused harm to my reputation, and I need your assistance. The errors in my credit report have led to serious consequences, and its vital that you fix them so I can move forward with my family.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I deposited my XXXX check into my account at Truist on XXXX initially there was a hold of the next business day. Then due to the algorithm my check is literally being held until the XXXX of XXXX! That is insane. My account is not in the new account criteria and I have no bounced checks or overdrafts from my account. This is the second time they e tried to hold a check over 10 days!
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: Experian Information Solutions Inc. (TX)

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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 2024-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

I was in a XXXX  XXXX XXXX XXXX in XXXX, and the other party was found XXXX XXXX at fault ( they did an illegal U-Turn in the middle of the highway ). USAA has withheld my insurance claim funds in the following 2 instances : 1. Medical : I paid approximately $ XXXX for my XXXX  sons XXXX out-of-pocket, have provided USAA with receipts from the XXXX, my sons XXXX, and they continue to withhold disbursement. It has been over 5 months. 2. I paid a {$500.00} deductible, but the other party was XXXX XXXX  at fault, I should not be liable for the deductible, they should be. 3. I sent ( 5 ) legitimate comparable listings per their company policy that warranted them providing an additional ~ XXXX XXXX  for the total loss over their lowball payment. They refuse to consider this, and are significantly underpaying for the total loss despite objective comparable listings that meet their policies. Altogether, they are withholding approximately {$6000.00} from me. At a minimum, I need reimbursed for my sons medical bills immediately.
Consumer complaint received 2024-04-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC (SC)

We had a salesman come to our home to discuss installing a new shower to replace our bathtub. The price was agreed upon and this concluded in XXXX XXXX. We thought we would be paying XXXX directly and was never discuss where the funds were going to go. The salesman never once commented it would go to someone other than XXXX. If we had known we would have used our own bank that we had for over 25 years at the time. 
Payments were set up automatically and it was at that time we saw it didn't go to XXXX  ; instead it went to XXXX whom we had no idea who they were. Payments started in XX/XX/2018 and in XX/XX/2018 someone from XXXX took {$5700.00} from my bank. I called XXXX and told them and they sent the money back. The following month our {$6500.00} shower was now over {$11000.00} so I called and asked what was going on. I was told the money they took was done as the money they sent me back was done and they didn't get any money back. So they added that amount to the loan. I have been fighting them on this since 2018. And they have not only charged me finance charges on the original loan but started charging me interest on the second amount they added. I was paying {$100.00} a month instead of the {$79.00} and the finance charges are almost {$90.00} so the loan was never going to be paid off. We still owe over {$11000.00}. I have called more times than I can remember trying to get this fixed and they will do nothing. We have paid according to them {$5900.00} in interest and actual payments of {$1300.00}. They are calculating this on the original loan amount of {$6300.00}. They have charged us more than they should have and refused to acknowledge it. I know they have a class action suit against them and I would like to be a part of that. Trying to having anything change is as I believe at an end. We need help. I feel they owe us back the {$5700.00} and or close our account. I have stated this to them several times and getting no where.
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I received message # XXXX, saying i had a payment returned because my payment was a non-transactional account. I was put on hold for XXXX minutes and did not receive a requested call back ; I sent a message on XX/XX/XXXX @ XXXX asking for clarity. 
I received a response XX/XX/XXXX " According to our records, XXXX  your payments from XX/XX/XXXX and XX/XX/XXXX were returned because you used a non-transaction card to make your payments. Unfortunately, we are unable to accept payments by debit or credit cards for federally owned student loans. '' XXXX XXXX has a direct withdrawal on XX/XX/XXXX for {$390.00} which is my monthly payment. I spoke with the bank on XX/XX/XXXX and they said this money was not stopped on their end nor was it returned to my bank account. 

I receive message # XXXX @ XX/XX/XXXX XXXX Payment Has Been Reversed From Account : Please be advised your financial institution returned your payment effective XX/XX/XXXX, in the amount of $ {$390.00}. 
The payment has been reversed from your account for the following reason and your account may now be delinquent  : NON-TRANSACTION ACCOUNT Please contact your financial institution if you have any questions regarding the returned payment. 

I call the companyy and after a XXXX minute queue, the representative determines she has never seen this error and needs to transfer me. 

As of XX/XX/XXXX @ XXXX I have been on hold for XXXX min and XXXX seconds after already waiting XXXX minutes earlier and spoke to a human for XXXX minutes.
Consumer complaint received 2024-09-03
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. (CA)

First I need to state my right to privacy is paramou

nt. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit
worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC. (WI)

Midland Credit Management has been calling me multiple times a day, refusing to leave me any kind of voice message, threatening to take me to court over the money I supposedly " owe '' them, and is refusing to provide me with any substantial evidence that proves it is my responsibility. I've written both a Cease and Desist along with a Validation of Debt letter, but they are continuing to harass me and threaten legal fees any time I try to communicate with them about their shortcomings and the illegal practices they are continuing to do to bully any sort of payment out of me for an alleged debt.
Consumer complaint received 2024-08-29
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/2022 Regions Bank allowed over {>= $1,000,000} to be fraudulently ACHd out of our business checking account. They were able to recover a little over {$600000.00} but we are still owed over {$330000.00} and they said whatever money they do not recover from the banks it was sent to then we will be at a loss for that amount. We had NEVER in XXXX  years of banking with them made these kinds of transactions yet no one reached out from the bank to confirm that it was in fact us initiating these payments before they released them to be paid!
Consumer complaint received 2024-04-22
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Maximus Federal Services, Inc. (TX)

I've tried for years to get my transcript from XXXX  XXXX University and they refuse to release it to me on grounds that I owe them money. During the course of my time there the school that I went to at the University went under a Title Nine investigation for having students go on XXXX  watch for consistent years in a row and even then they refuse to release my transcript.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (KS)

I opened Destiny Mastercard and they take out a XXXX $ fee. I have made payments on time XXXX XX/XX/XXXX and XX/XX/XXXX. They say I didn't meet my minimum payment and charged me over limit fees of over XXXX XXXX I tried calling and they want me to mail in this information to them and it will be reported on my credit bureau as late after I just filed bankruptcy. this company is crooked. I was not over the limit.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (DE)

After Checking my Navy Federal Credit Union Bank account it was found that my school refund was deposited in my account and then it was closed without my permission and the balance was not placed in my secondary account. I also have an issue with fraudulent charges on my account that I reported that were never returned to me. I also have manually posted transactions placed on my account that need to be looked into. I will also need XXXX XXXX in XXXX XXXX, DE to be looked into, as someone has been repeatedly charging my bank account several times.
Consumer complaint received 2024-04-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (AZ)

I closed out an account with XXXX and apparently final payment was returned. I was never given notice of this. Once this debt was given to a collection agency ( Credit Control ) I never once received a notification as they had the wrong address and telephone number on file. Credit Control received my file in XXXX of XXXX for the account that was closed out in XXXX. They did not report until after I had applied for a mortgage and we were never notified of their intent to report. XXXX also refused to produce any documentation due to the age of the file even though I only just learned about it a few days prior to me calling in. My mortgage lender was the only reason I knew this debt existed, and I believe the practices are unfair in that they reported this debt as my phone number and address were both incorrect and they were unable to provide any support of the final bill being reversed.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY FINANCE CORP (KY)

Professional finance services, end of the loan and refused validation letter. As the vehicle has been paid for, refused to speak of amount owed. No letters of curing the loan, no information of a repossession, illegal towing company, two weeks to find impound lot, sent letter to sell, no response from sell, now civil suit. This company has had over 200 complaints in the past 3 years and over 20 in last 12 months. This company was legally reprimanded in XXXX of 2018. All the same issues, non compliance with debt collections, harassing and adding additional charges without reference to. Hindering payoff and refusing to apply all payments made.