davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (MD)

I am writing to formally lodge a complaint regarding identity theft that I believe has occurred with my Apple Card, issued by GS Bank USA. Below are the specific details of my case : Issue Description : I believe that I am a victim of identity theft, which has resulted in unauthorized transactions and discrepancies on my Apple Card account. Despite my efforts to address this issue with the issuer, I have not received a satisfactory resolution. 

Discrepancies Noted : I have identified several late payments on my account that I did not authorize or recognize : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments have adversely affected my credit score and financial standing. I have never missed a payment on any of my credit accounts and have always maintained a diligent payment history.

Action Requested : I request the following actions to be taken by the CFPB to resolve this matter : Investigate the identity theft claim and unauthorized transactions on my Apple Card account. 

Remove the reported late payments from my credit history.

Assist in rectifying any negative impact on my credit score caused by this fraudulent activity.

Ensure that GS Bank USA implements stronger security measures to prevent such incidents in the future.
Consumer complaint received 2024-01-04
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX is reporting inaccurate information that the account is opened. this account was fraudulent and needs to be removed XXXX is reporting a second fraudulent account that needs to be removed indigo never sent a billing statement nor bill of a balance due. i am requesting all lates be removed. 

Self : i was never late this account is my own money and should never be showing as late XXXX federal is reporting lates over XXXX XXXX XXXX. lates need to be removed
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-01-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Skopos Financial, LLC (OH)

I filed for XXXX  XXXX bankruptcy on XXXX. XXXX, XXXX. An auto loan that I had that was included in bankruptcy is still on my credit report. I have tried to contact the loan company, XXXX XXXX XXXX multiple times and have been told someone will call me back and they never do. Before I filed for bankruptcy I called XXXX XXXX XXXX and told them to come pick the car up, but they told me they werent going to do that. On my credit report it shows this account with XXXX XXXX XXXX was opened on XXXX. XXXX, XXXX  ( 8 yrs, 5 mos ). On my credit report it also shows under Account Details for XXXX XXXX XXXX that this account was Closed XXXX XXXX, XXXX. But my XXXX  XXXX bankruptcy was discharged on XXXX. XXXX, XXXX. So this account should have been closed the same date my bankruptcy was discharged on XX/XX/XXXX!! This account with XXXX XXXX XXXX was included in my XXXX  XXXX Bankruptcy, is 8 years and 5 months old, and the closed date is after my bankruptcy was discharged. I have disputed this account many, many times and the credit bureaus will not remove it from my credit report. This account is causing my credit score to remain low and Im unable to get approved for a first time home buyers loan. I want this account removed from my credit report!!! It should not be on there when it was included in bankruptcy!!!
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO (CA)

Purchased a CD in the amount of {$80000.00} with Popular Bank on XXXX XXXX XXXX The CD was for 12-months in duration and matured on XXXX XXXX XXXX. A letter was received in the mail on XXXX XXXX stating that I had to call on or after XXXX XXXX in order to close the account or that it will automatically renew at a new interest rate ( this was not agreed upon prior to the CD purchase ). No where on their website was I allowed to close the account. The app also does not provide any useful information or tools on managing your account. I received no phone call on the XXXX or any email. I attempted to call and close the account on the XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. I was finally able to reach a call center on the XXXX of XXXX to close the account and transfer my money to my bank. The operator stated that the transfer would take 2-3 business days. I called back on XXXX XXXX due to the fact that the account was not closed. The operator told me that it could take another day. I called on the XXXX of XXXX. The operator told me that it could take an additional day but would now have to wait until Monday, XXXX XXXX. I called on XXXX XXXX, and the operator said that there was an issue with the account, but it would take 3 more days. Received 0 emails, 0 calls from managers, and 0 assistance. Was promised to be paid for additional days of interest. Money finally was deposited on XXXX XXXX, with no follow up communication, and did not include interest. This company is fraudulent and shady at best.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

I went to get a loan and found out that Truist bank has me down as 90 days past due on a vehicle payment! That is completely incorrect, as a matter of fact I had issues from them in the past for not sending documents to prove to get gap ( XXXX XXXX ) to cover the total loss of my XXXX. I want the 90 days off my credit report because it should have been covered due to their lack of providing documentation needed. That was also part of my earlier request when this happened. From my understanding everything was covered until yesterday. I would like that removed from my credit report as soon as possible because that has affected my credit. I was told everything was taken care of, they even sent me checks back, so what is going on?
Consumer complaint received 2023-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

I had invested money in a crypto trading broker back in XXXX, I traded for 7 days, made some money and when to withdraw and was told I needed to deposit money for commission, I did then kept being told I need to deposit more money for other fees and promising Id get my money after, now 6 months later still in contact with them still trying to get my money. Dont know where it is. Total amount t of money deposited was XXXX not including profit. I have wallet address money was sent to. The name of company was XXXX they claim they got hacked and now operate under the name XXXX
Consumer complaint received 2023-12-07
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. (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.

has violated my rights. Or a 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 2023-09-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MI)

On XX/XX/2023 I received a notification of a new collection from Amsher collection Service of {$640.00} reporting on my XXXX report. Now I recently disputed this amount from a different collection agency XXXX  XXXX on XX/XX/2023 and it was deleted from my credit report immediately. I have mailed a letter to Amsher collection service on XX/XX/2023, requesting to validate this debt owed is accurate, provide me with evidence that this debt is owed to Amsher Collection Service, provide me evidence of my signature. No such evidence was provided to me in XXXX days that was given. Then I tried to dispute the collection online through XXXX and without giving any further information it is coming back as verified. 

I have filed an identity theft report and that report will be attached, I will also attach the letter I sent to Amsher Collection Service, attach the other collection agent that attempted to collect debt that was deleted immediately and also attached the attempt to delete through online.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

In XX/XX/XXXX two charges were made to my Verizon Synchrony credit card for two ( 2 ) blenders from XXXX ( {$960.00} and {$960.00} ). At this same time, my email account was signed up for many ( 50+ ) foreign/non English websites. I immediately ( next day via telephone ) cancelled both items from XXXX and requested XXXX to credit my account and have unsubscribed to many of these websites. 
Verizon Synchrony credited my account for one of the charges, but refuses to clear the other charge ( {$960.00} ), indicating that " both blenders were delivered to my home ''. They have never produced shipping information.

Dealing with Synchrony Bank has been a nightmare of automated messages & company representatives that say they will clear my account, but have not - one charge ( {$960.00} ) is still being charged to my account.

My last invoice from Verizon Synchrony Bank shows a " balance transfer '' of {$960.00}. I think they initially deleted this charge, and added it back on to my XX/XX/XXXX bill.
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX  XXXX Balance : {$7100.00}
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I submitted a letter to the 3 Credit Bureaus dated XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
Fix the following accounts in my file : XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (VA)

I have multiple accounts through Synchrony and today ( XX/XX/23 ) I needed them to apply the payment I made yesterday sooner than usual since one of my pets was having an unexpected medical procedure ; I needed the payment applied to my Care Credit account. I contacted Synchrony through the chat feature and when I spoke to one rep they said the funds would be available. When I went to pick up my pet the funds were not available and Synchrony would not make them available even though the funds had been transferred from my bank to Synchrony already. With other Synchrony accounts ( Sam 's Club ) they apply the payment IMMEDIATELY so I'm not sure why Synchrony would not do the same in this instance especially after I asked if the funds would be available and was told yes they would be.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, Back in XXXX, I received a check from the XXXX for {$180000.00}. I deposited the check into my BoA Business Checking account and the account has been locked ever since. I have not been able to access not even a PORTION of the money. It seems that sometime between the initial blocking of my account and today, BOA has closed my account and claims they issued a check back to the XXXX. 
I have caught BOA lying multiple times. I've called the XXXX and they have repeatedly told me that they have not received a check from BOA. In fact, the original check was made out to my business/me therefore the refund should've been issued to me. In the eyes of the XXXX, the check they originally sent me was deposited. 
Please have BOA conduct an investigation on where that check is and have it immediately reversed and sent to me. 
It's alot of money and I am very nervous something might have happened to it. 
Thank you.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (CA)

XXXX my house burned down and my insurance issued a joint check to my mortgage holder, Selene Finance XXXX 

Throughout the process of requesting funds to complete repairs, the loss draft department has slow walked requests for funding repairs and it has resulted in delays so long I have had to use my own funds to repair my house before the rain. They have held up funds for my cabinets so I had to buy them from my own funds. My insurance loss of use coverage for my rent while I am displaced is expiring the first week of XXXX and the people in the loss draft department want to lecture me on their long delay process to get my funds to rebuild. It took them 2 months to send me a check for my cabinets then it was not accepted by the vendor so I made a second request and they are still holding the funds telling me their corporate department can take their time approving the release of funds which has now been 14 days. They are trying to push me into foreclosure
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NJ)

Loan servicer Aidvantage is unable to produce basic reporting for my outstanding student loans. I have repeatedly requested a simple statement showing my beginning of period loan balance, in period adjustments, and my end of period loan balance. I continue to make payments without any indication of how such payments are applied. Furthermore, I have been unable to obtain any information that could help me understand how my end of period balance is being calculated ( XXXX disclosure around capitalized interest, XXXX disclosure around balance reductions from submitted payments, XXXX disclosure around how to bridge from beginning of period loan balance to end of period loan balance ). It would be helpful for a XXXX XXXX XXXX  servicer to be capable of producing a simple statement which could help a borrower understand why his student loan balance is what it is. If community banks can do it, so can Aidvantage. The astounding lack of disclosure can only be designed for one reason : to keep borrowers in the dark and mired in an unescapable financial position that benefits the servicer 's ability to generate fees at the expense of the livelihoods of millions of innocent borrowers just trying to make ends meet.
Consumer complaint received 2023-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (CA)

XXXX XXXX XXXX ( XXXX ), dba XXXX XXXX XXXX ( " XXXX '' ), failed to get preauthorization for my hospitalization in XX/XX/XXXX. When insurance was denied, I informed XXXX, as advised by insurer, that they needed to file a retroactive preauth request. In numerous emails they assured me they were doing that, and " Please rest assured that your account is on hold while this is underway [ XXXX ], '' and " Please allow more time as the correction is underway [ XX/XX/XXXX ]. '' That was the last I heard until I received an XX/XX/XXXX collection letter from ARstrat of XXXX TX. i immediately wrote both XXXX and ARstrat to flag their error and requested correction by XXXX. I have received no reply. 

The company contacts are shown on the attached summary of correspondence.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (KY)

On XX/XX/XXXX I tried to withdraw {$500.00} from XXXX XXXX  atm which is partnered with discover. The atm shut down mid transaction and did not give me my money or a receipt but still charged my card. I went into the bank and they told me I had to dispute with my bank. I disputed with my bank but they closed the dispute due to needing documentation. XXXXXXXX XXXX  says they can not give me documents and discover will not give me any other options but give them documentation I do not have.
Consumer complaint received 2016-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage company lost 5 monthly mortgage checks of mine and ruined my credit score. 
I have sent them proof that I paid, by sending them cancelled/cashed checks, but have not gotten a reply from them since. 
Instead they sent me a statement, showing I failed to make 5 mortgage payments, which is incorrect as I mentioned. 
To top it all off, Nationstar just send me a notice of foreclosure. 
I have been paying my mortgage for 8 1/2 years, and have never been late, and I can prove it. 
I can not get hold of any person in charge at Nationstar Mortgage, that can stop this predatory and illegal foreclosure!! 
On top of that, they are now demanding a 50 % increase in my mortgage payments, even though I signed a fixed 15 year loan at 6 1/4 %. 
Reason given : I did not pay my mortgage for 5 months, therefore they demand that I open an escrow shortage account at monthly payments of {$750.00} instead {$470.00}, an increase of approx. 50 % in monthly payments. 
I do not want an escrow account, since I have been paying my taxes and insurance myself. 
Nationstar also refuses to refund {$950.00} in overpaid escrow fund charges. 
To put it in a nutshell : Nationstar owes me {$950.00} and I owe them nothing, since I 'm paid up with my mortgage payments. 
And now they want to foreclose - that got to be a cruel joke! 
This is a mortgage company from XXXX. 
PLEASE HELP!!
Consumer complaint received 2024-05-05
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. (AK)

In accordance with the fair credit report act XXXX XXXX XXXX account number # XXXX has violated my rights. 

15 usc 1681section 602 A : states I have the right to privacy.

15 usc 1681 section 604 A section 2 : they also state a consumer reporting agency can not furnish an account without my written instruction.