davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2022 I initiated an {$71000.00} online transfer from my Marcus Bank by Goldman Sachs online savings account to my XXXX XXXX  checking account. 
Marcus Bank Acct : XXXX. Social Security # : XXXX. 
I have called three times over the past week and the bank refuses to unlock my account and send me my money. The bank has refused to provide me with any explanation for refusal to send money. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX.
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX, [ XXXX XXXX ],, are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 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.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-03
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 recently reviewed my updated personal credit report and noticed that unauthorized credit inquiries remain. It seems my credit has been compromised under your watch. Despite submitting FTC report # XXXX, these inquiries have not been removed. I previously contacted the companies listed below, requesting them to remove these unauthorized inquiries from their records and all credit reporting agencies. They assured me they would comply. Each company received a certified letter indicating the inquiries were unauthorized, and I asked for their removal. I am requesting immediate deletion of the unauthorized inquiries listed below. The purpose of this complaint is to address several unauthorized hard credit inquiries on my credit report. There are still FOUR ( 4 ) unauthorized inquiries listed. Enclosed is my new FTC report for your reference, number XXXX. I am disappointed by your lack of action. When will the Equifax and XXXX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries. Also, I am requesting the XXXX to please remove these inaccurate addresses from my credit report as well : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a notification that if these inquiries are not removed from my reports, I will be filing a lawsuit. My attorney is aware of my intentions and is ready to hold you accountable for noncompliance. This is the Equifax 's and XXXX 's FINAL NOTICE. Please remove the inquiries resulting from erroneous credit reporting. Thank you for addressing this matter promptly.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have an account with XXXX. The account was opened using my phone number and email. I never closed the account neither did XXXX. I carried a balance for a long time that I paid off. XXXX, in the same account using the same app and information, at XXXX time, gave me credit again allowing me to finance purchases through them. My available credit was increased during the holiday months. On my credit report, XXXX is reporting XXXX different accounts, one paid and closed and late payments and another showing paid on time. I NEVER had more than XXXX account with XXXX. My credit score is better now than it was in XXXX and XXXX and they allowed me credit up to {$2000.00} during the holidays and now are saying I am ineligible because of my FICO score but my FICO score was not an issue during the holidays when they increased my available credit without me asking for an increase.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (IL)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I reached out to PHH mortgage and to update my credit report showing that this account has been paid in full and there are no delinquent amounts due.
Consumer complaint received 2024-06-03
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I contacted EQUIFAX numerous times trying to get this fixed. They are reporting 2 late payments on my credit report from XXXX XXXX  Account XXXX XXXX XXXX. This account was closed voluntarily by me on XXXX of XXXX due to the fact that there website kept having issues and not accepting payments and posting payments at later dates. I have never been late with a payment and got tired of having to always fixing this issues. I contacted XXXX XXXX  to close out my account because they violated my consumer rights. They told me the account was closed over the phone and continued to report on my consumer report for 2 additional months afterwards. They reported me late XX/XX/XXXX and XX/XX/XXXX and shows the account closed in XX/XX/XXXX when the account was suppose to be closed in XXXX. This has been a burden and is now stopping me from buying a home by making my interest rate so high I can not afford it for my family. I am currently in litigation with XXXX XXXX l in regards to the matter. EQUIFAX is still posting this incorrect information that is apart of a litigation. Furthermore aside from this instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. EQUIFAX It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these late payments being late, please update my payment history to PAANL  status ( PAID AS AGREED, NEVER LATE ) according to consumer protection laws.
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MA)

The beginning of my loan with Edfinancial was {$5000.00} I made a two payments on XX/XX/XXXX of {$2500.00} each a total of {$5000.00}. The next day i had to call because my payment history disappeared, but i have bank statement to prove otherwise that the money was taken out of my accounts. 

I called customer service several times, one caller said it should take 2weeks to clear another said 30 days then another representative said to be patient. My Last attempt on XX/XX/XXXX I called and asked why my account now only shows half paid off and that i still owed {$2200.00} in which that is incorrect. 
On the Edfinancial website I'm unable to see what was actually my remaining balance all while interest kept accumulating. So i asked what was my remaining balance the rep said {$130.00} and i made that exact payment on XX/XX/XXXX so interest does not accumulate. 

My accounts should of been paid off on XX/XX/XXXX and today its XX/XX/XXXX and nothing has been done. I received an email from Edfiancial that they are going to fix this and that my account should be paid in full but they are not sure when Finance team will get it done. 

This has been almost 6months to settle Edfinancial is one of the worst companies i have ever dealt with. 

Below was the last email sent to me on XX/XX/XXXX XXXX XXXX, " Thank you for contacting Edfinancial Services. I hope this email finds you well and I do apologize for any inconvenience that this has caused. Your account currently shows a negative balance for one of the loans and a positive balance for the other. The payment will be reapplied to your account by the Finance Department unfortunately we don't have a timeframe for when the payments will be reapplied and your account will reflect that it is paid in full. We appreciate your patience. 

If you have any other questions, you can also chat with us at XXXX XXXX XXXXedfinancialXXXX 

Thank you, XXXX Edfinancial Services We value your opinion and want to know how we can improve your email experience. Please take a minute and provide us with your feedback by clicking on this short survey. 

XXXX XXXX XXXXedfinanciaXXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I reviewed my recent credit reports on XX/XX/2024 and observed an open credit card from XXXXXXXX XXXX that I did not authorize to open. I sent a letter to XXXXXXXX XXXX telling them that this credit card was opened fraudulently, but they refused to investigate the matter. They said, " Looks like this letter came from a credit repair and won't investigate. '' I requested the investigation, but they are not removing this fraudulent account. 

I need your assistance in getting this XXXX XXXX  credit card removed from my three credit bureaus.
Consumer complaint received 2023-11-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (SC)

This year I fell behind on my mortgage with Shellpoint Mortgage Servicing/ NewRez and was told I need to go on a repayment plan. My payments went from $ XXXX/month to XXXX XXXX/month. When I started this repayment plan, I put over {$6200.00} down to show I was trying to get caught up. However, they're now saying they have no record of that payment and there has been no money put towards my escrow during this time of my repayment plan, which has resulted in over {$18000.00} in negative escrow due. 
I made all of my payments on time until XXXX. I called to make my normal payment, because I can not pay online or via phone. ( I have to speak with a rep every month. ) And when I called to pay {$1700.00}, they told me I owe over {$5000.00} on that month because my insurance fell through, and they put me on lenders placed insurance. Nobody told me I my insurance had fallen through, or anything was wrong with my account any of the previous months. I immediately got that fixed and was told my payments of {$1700.00} would resume. I requested an itemized list of every charge on my account and have not received it. I also, requested an outline of the " insurance '' I was placed on and haven't received it. I'm also locked out of my account which they are aware of. 
I've been told I was on lenders placed insurance with three different timelines and no solid answer to any questions I have brought up. I got ahold of a Supervisor XXXX XXXX and she left me high and dry with no answers or reply after telling me that what they were doing to my account was illegal. I have exhausted all avenues to resolve my account and have these wrongful charges fixed. 
I also am military and will be moving XX/XX/. My house is listed for sale, and I've had three offers that I had to turn down because the amount of negative escrow on my account. At this point Shellpoint Mortgage lender is ruining my credit, my account with them and wrongfully allocating my money in order to force a wrongful foreclosure. I've also since been removed from the repayment plan, so it shows my late on my account for multiple payments.
Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I just received a paper about a judgement in the mail, I did not get a court notice but when I looked online this card is over XXXX years old, its almost XXXX years old so I should have never even been taken to court cause its illegal in the state of PA to sue somebody over a debt thats XXXX years old. Also, this credit card which would be XXXX or XXXX was never even used by me. Also, I get a paper in the mail every few days, it needs to stop.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2023-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (KS)

I took out a title loan on my car and defaulted. I sent them a cease and decisit letter and they stopped contacting me and my references. The car was assigned for repossession and the man that was assigned called my father in law on his personal cell phone disclosing information that is protected under the fair debt collection practices act he asked if I was hiding the vehicle and where I kept it and what my schedule was and that he was hires to pick it uo
Consumer complaint received 2023-08-28
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)

XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on equifax credit report. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the victim of identity theft and I dont recognize one or more of the accounts on my report. Also I am a victim of data breaches. I did not authorize or conduct an inquiry for the above company. Please investigate and remove. FTC REPORT # : Report number : XXXX, Report Number XXXX, Report NumberXXXX
Consumer complaint received 2023-10-27
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. (MO)

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I recently reviewed a copy of my credit report this month XX/XX/XXXX and noticed XXXX XXXXXXXX and XXXX XXXX XXXX  on my report since XX/XX/XXXX. I have never had these services, nor applied for them in the past
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 account listed without my expressed written consent.
Consumer complaint received 2024-03-19
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. (FL)

In accordance with the fair credit reporting act the list of accounts below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 Account name XXXX account # XXXX has violated my rights Account name XXXX XXXX account # XXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction.

15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.