davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

I have an Apple Credit Card and Marcus GM Rewards credit card which are through Goldman Sachs Bank. 

This is a formal complaint against Goldman Sachs Bank for their violation of my rights under 15 USC 6802, 15 USC 1681, 12 CFR 1016.7, and the Privacy Act of XXXX. I believe that the bank has unlawfully shared my personal information without my explicit consent, and this action is a clear breach of the aforementioned statutes.

Details of the Violation : Unauthorized Sharing of Information : I recently discovered that Goldman Sachs Bank has shared my personal information without my explicit consent. This sharing of information has serious implications for my privacy and may have repercussions on my financial well-being.

Violation of 15 USC 6802 : The bank 's actions are in direct violation of 15 USC 6802, which prohibits the unauthorized disclosure of nonpublic personal information by financial institutions. Goldman Sachs Bank falls under the category of a financial institution, and the unauthorized sharing of my information is a clear violation of this statute.

Violation of 15 USC 1681 : Additionally, I believe that Goldman Sachs Bank has violated 15 USC 1681, the Fair Credit Reporting Act ( FCRA ). This statute outlines the responsibilities of credit reporting agencies and ensures the accuracy and privacy of consumer information. The unauthorized sharing of my information compromises the integrity of this system.

Violation of 12 CFR 1016.7 : Goldman Sachs Bank is also in violation of 12 CFR 1016.7, which establishes certain limitations on the disclosure of nonpublic personal information by financial institutions. The bank 's unauthorized sharing of my information goes against the provisions outlined in this regulation.

Violation of the Privacy Act of 1974 : The Privacy Act of XXXX  mandates the protection of personal information held by federal agencies. While Goldman Sachs Bank may not be a federal agency, the act 's principles are crucial in ensuring the security and privacy of individuals ' data. The unauthorized sharing of my information constitutes a violation of the Privacy Act 's core principles.

Furthermore, I want to highlight that XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and other nonaffiliated third parties have received my personal information without my approval. I did not consent to the sharing of my information with these entities, and their involvement exacerbates the breach of my privacy. 

I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against Goldman Sachs Bank. I also request that the agency informs me of the findings of the investigation and any steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to uphold consumer rights and protect against such privacy violations.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (UT)

On XX/XX/year> I attempted to make a XXXX transaction through cash app it told me for my safety it was not allowed at this time so I accepted it didn't try it again I then tried to cash my Bitcoin back to my cash balance which is where it started from and it wouldn't let me lock my account up is now XX/XX/year> my account is still locked and every time I call them they will not tell me why my account has been locked they will not offer me any further information all they tell me is our team has escalated your case it is working diligently to resolve this issue so understandably I have become upset now I feel like they're doing this maliciously there is nothing to understand I have submitted all documentation the first day they locked my account that they asked for I send them my ID my debit card copies and a selfie of me holding the card all I'm waiting on is ID verification if they can't figure that out XXXX  days but other people are getting their accounts unlocked XXXX to XXXX hours this is ridiculous all I want is my account unlocked my funds released so I can close out my account
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (TX)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DPT ED/AIDV - XXXX, DPT ED/AIDV XXXX XXXX, DPT ED/AIDV - XXXX XXXX DPT ED/AIDV - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Upstart Holdings, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my UPSTARTXXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/year>, I received an email from Chase with a fraud alert for a declined transaction at XXXXXXXX XXXX  They did not allow that charge to go through. I immediately called them and told them that there were several unauthorized transactions. All made on XX/XX/year>. XXXX XXXX XXXX XXXX {$48.00} ; XXXXXXXX XXXX {$240.00} ; XXXX XXXX {$20.00} XXXX XXXX XXXX XXXX XXXX {$17.00} ; XXXXXXXX XXXX Discount {$20.00} ; XXXX XXXX XXXX XXXX {$18.00} ; XXXX XXXX {$68.00}. I also have all the times they were charged if needed. I told the person that my daughter was in XXXX XXXX for XXXX XXXX but still had the card with her and some how we think they hacked her XXXX XXXX or skimmed it because her debit card also had unauthorized charges. Her bank refunded the debit card charges. 
They initially removed all the charges, but put them back on because they said the card was tapped at the stores. We honestly have no idea how they would have done that except for hacking her XXXX XXXX. Since we were honest and said she was still in possession of the card, Chase 's argument is that the card was tapped in the store so we are responsible for the total of {$430.00} in charges. We can not explain how that happened but they basically told me if I had said it was lost then the outcome would have been different. They closed the case and we had to pay the charges.
Consumer complaint received 2023-09-26
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX ; XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  - CARD SERVICE XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-06-19
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: SLM CORPORATION (CA)

I made 3 payments across 3 of my loans in the month of May to Sallie Mae. 2 of my loans were overfunded and 1 of my loans ( loan # 0687 ) was underfunded as the funds were not allocated correctly. I was not made known of this until it was reported 60 days deliquent to the credit bureaus. I called immediately and made an additional payment to bring the account to good standing. I filed an appeal to have the deliquent reporting removed and was denied the removal in their review. After calling to speak with the supervisor I was told there is absolutely nothing I can do and will have to live with the late payment notice on my credit. This dropped my credit XXXX points in an absolute crucial time where my family depends on my credit to get us through financial hurdles. I asked to file an appeal of the denied decision and was told there was no option for me to do so.
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (VA)

In XXXX, I used XXXX for dating services. I cancelled my subscription once I was done and paid in full. Over two years later, XXXX says I owe a debt and sends it to collections ( RFGI ). I do not owe XXXX any debts and their practices are deceptive to consumers. I know I am not the first user of XXXX to face this issue and these practices need to be looked into. They also violated their terms of service by not pursuing this issue through arbitration.
Consumer complaint received 2024-09-11
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I have been reaching out to federal student aide and nelnet since XX/XX/year> when I found out my loan was being discharged. I keep getting the run around from both. I received a call from Nelnet on XXXX telling me to contact Federal Student Defense. I contacted that department in XXXX, XXXX. In XXXX I noticed in XXXX the Loan is discharged. However when can I expect payments from XXXX? Please advise on the next steps? Am Im getting reimbursement?
Consumer complaint received 2024-06-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (NJ)

A predetory lending company XXXX XXXX has supposidly sold a debt of XXXX, XXXX to a collection agency LVNV Funding who has been derogiratoraly reporting to XXXX and XXXX on my credit report. I have requested my signed agreement and the name of the original grantor which they have not provided, the debt is not mine and I am being targeted wrongly.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (TN)

I received a hard inquiry on my credit report from BARCLAYS BANK DELAWARE. However, I did not apply for any new lines of credit with this bank or elsewhere. I contacted Barclays on the day the inquiry appeared and spoke with their fraud department, and no new accounts of any kind could be located in their system with my information. Because I didnt apply for this account nor does the account appear to exist in the banks system, I need to have this removed from my credit report.
Consumer complaint received 2024-09-12
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. (PA)

To my surprise, this evening I discovered incorrect accounts on my credit report. I check it often, and this was completely unexpected. I thought it might just be a browser issue, but refreshing didnt change anything. These errors stayed, and Im urging that my documents be carefully reviewed to prevent this from happening again in the future.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been trying to get my credit score corrected with all three credit bureaus. Equifax has been able to increase my credit score with the corrections it is making. But they are dropping the score with no justification. Since I started my dispute they have dropped my score 3 times. First was XXXX point the second was XXXX points and today they dropped it again XXXX points. Total dropped points XXXX points. They have not made any comments or notifications as to why the score is being dropped. They are misrepresenting my credit report to the public.
Consumer complaint received 2023-08-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TN)

I've called Synchrony Bank several times about an unauthorized charge on my card. They said on both occasions that they was prompting and investigation and that they would have the issue resolved. Well nothing has been resolved and they are hitting my credit and constantly raising the late fee as oppose to closing the card and correcting the discrepancy. My credit score has gone down XXXX points be use of it.
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (ID)

On XX/XX/XXXX I made an online purchase for fertilizer. When I did not receive any tracking information, on XX/XX/XXXX I emailed the vendor inquiring about my order. I received no response. I never received the fertilizer, so, I filed a disputed charge with Wells Fargo since it was their card I used. I received a response that rejected my dispute. I sent a XXXX  request on XX/XX/XXXX for them to review the decision and received another rejection. I wrote a letter to the Operational Initiatives Manager, XXXX XXXX, on XX/XX/XXXX and received another rejection. 
I believe all Wells Fargo had to do was have the vendor provide verification that the order was shipped. I have never received what I ordered, no communication from the vendor, and nothing but rejection from Wells Fargo.
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

According to the doctrine of estoppel by silence, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it can be presumed that if there is no proof of the alleged debt, then no such debt exists. 

this account needs to be removed and deleted from my consumer report LVNV FUNDING LLC Account # XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 168b permissible purposes of consumer reports. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports