davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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: GOLDMAN SACHS BANK USA (NY)

On Tue XX/XX/XXXX I noticed a charge and filed a dispute with my credit card company for a charge of {$650.00} on XX/XX/2023 at XXXXXXXX XXXX made without my permission. 

On XX/XX/XXXX I recieved notice my dispute had been denied as their had been no " evidence to substantiate my claim ''. 
At XXXXXXXX XXXX I then moved to get further information on to what information was used to determine this dispute. I received a copy of the same email with the outcome of the dispute with no further information. I then requested further information from the associate at XXXX citing the policy of the company stating to the representative `You have the right to see the information we gathered to make this decision. To request a copy, please contact an Apple Card Specialist. I am requesting a copy " The associate then replied : " I see that we don't have a merchant response that we can resend to you. Do you wish to reassert the dispute? '' And at that point I reopened the dispute further adding clarity that the transaction was not made by me and I did not recieve the goods and services nor did I pick up the goods requested. 

On XX/XX/XXXX I then received notice that my dispute had been denied and requested further information of the decision. I recieved no information even after this point. I then requested another appeal with further information regarding the goods not being received. 

On XX/XX/XXXX I then received another notice that my dispute had been denied and then requested further information regarding the decision again not receiving any furhter information.
Consumer complaint received 2024-02-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (MO)

The company XXXX has been reporting on my credit report, on a charged off account. This account balance has repeatedly been increased in the interest of time. The increase amount is almost {$6000.00} dollars on a charged/collections account. The balances are also reporting 3 different amounts on all 3 reports.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (GA)

XXXX XXXX XXXX XX/XX/XXXX XXXX FORTIVA is in violation of multiple laws set forth by Congress in regards to the following account XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( I XXXX XXXX ) and the person ( FORTIVA ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( FORTIVA ) shall not furnish any information relating to a consumer ( I XXXX XXXX XXXX to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. FORTIVA can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate because this account is income. I never received a 1099-C from FORTIVA for the cancelled debt in order to file as ordinary income. Where is my 1099-C? FORTIVA is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. FORTIVA has been committing Tax Fraud. FORTIVA has been HEREBY PUT ON NOTICE that they are furnishing incorrect & inaccurate information. 
XXXX, XXXX, and XXXX are not an affiliate of FORTIVA nor are they " Bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law and the CFPB website. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given FORTIVA whether it be written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. The reporting of this account as a charge off is inaccurate & unlawful. Please Remove it from my consumer report.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC (GA)

On XX/XX/2022 I made an online purchase to XXXX for {$1400.00} that was IMMEDIATELY deducted from my account balance with Flagstar Bank via XXXX in order to succesfully place the order. However, I canceled the order a few days later when it was ready for pickup ; but the funds never reflected back to my bank account. Flagstar Bank claimed they didn't even see the transaction because " it dropped off '' when it canceled. And provided me with a manipulated statement with other charges from previous dates to justify my balance. Transactions that had already been cleared and not even within the time frame were reincorporated to justify the missing money in question. Either they or their computers manipulated numbers to make my balance make sense. When i made the purchase and it removed my money and i wasnt able to pay my contractor thats why i canceled. But the money Never returned to my balance after canceling. Flagstar Bank " could not find the transaction in their system ''. XXXX found the transaction, and said it Was refunded to my bank. My bank Flagstar, could not find the transaction at all. They both sent me in circles blaming each other, the bank blaming XXXX, XXXX blaming my bank, yet the money is gone. Disappeared. Flagstar Bank did not credit me the missing amount because " in order to do so, there would have to be a transaction. Which they " could not find. ''
Consumer complaint received 2024-04-24
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 XXXX XXXX XXXX - 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 Equifax 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I 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. 
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
Consumer complaint received 2023-09-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NY)

I had submitted a complaint with CFPB on XX/XX/23. Marcus by Goldman Sachs closed out complaint saying they resolved the issue. They have not. On XX/XX/23 I called and spoke with XXXX who was going to transfer funds out to my XXXX XXXX XXXX. On XX/XX/23 I received a call from XXXX at Marcus by Goldman Sachs saying that Marcus denied my transfer but I could reinitiate it on Monday XX/XX/23. On XX/XX/23 I read the response from Marcus in which it states the transfer was requested and is being processed on XX/XX/23. I did call Marcus back after reading this response and spoke to XXXX who initiated another transfer. I am filing this complaint as I have been told different answers every time I call and still do not have my money back after almost three weeks of non stop calls to this company.
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (LA)

I asked to see if they are willing to delay the foreclosure, we have an active contract to sell the house with a closing date of XX/XX/XXXX. I also asked if we do a short sale can we have it delayed so the home can be marketed, they said that they won't even review it.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MI)

Disputed account with Discover, let them know it wasnt mine, asked for an itemized list to explain to them that I was a High school XXXX XXXX XXXX and the account was opened by my father. They refused to fix the mistake and instead reopened the account and pushed the credit limit to its max well pass the original amount. Then told me to dispute new amount. I disputed the new amount and they again increased it. The account was previously closed and they moved it to an open credit card to further hurt me score
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

social security check of {$1100.00} direct deposit is being held to cover a returned deposit made on XX/XX/XXXX after I requested the hold stay on the check until cleared by the bank.I withdrew {$5000.00} on XX/XX/XXXX by a teller named XXXX after he saw in computer bank cleared the {$8200.00} check.Account ending in XXXX. Bank involved is chase Bank XXXX XXXX XXXX XXXX Ca XXXX.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am reaching out to contest the inclusion of this bankruptcy in my credit report. The filed and reported dates, along with the closing dates, are not in sync. This is alarming as I possess a court letter explicitly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-12-15
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: Experian Information Solutions Inc. (TX)

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.
Consumer complaint received 2024-04-26
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. (NY)

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.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
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: EQUIFAX, INC. (GA)

On XX/XX/2024, I received a Final Dispute Resolution and Updated Credit Report from Equifax confirming that the XXXX XXXX Account # XXXX was deleted from my credit file via Confirmation Number XXXX. I previously submitted an FTC Identity Theft Affidavit, Police Report, Letter and Proof of my Identity to Equifax via Certified Mail and requested an Identity Theft Block of this information in XXXX and XXXX under FCRA 605B. Equifax didn't comply with the block and initiated a dispute which I didn't request which was finalized on XX/XX/2024. In XX/XX/2024 Equifax violated FCRA and reinserted the previously deleted XXXX XXXX Account on my Equifax Credit File with no notice and violated 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) in which I am requesting payment of {$1000.00} as well as the block/removal of the XXXX XXXXXXXX credit listing that was previously deleted on XX/XX/2024 and reinserted in XX/XX/2024. I am not requesting any opening of disputes as this prevents me from having access to my credit file. I am NOT requesting any blocks or fraud alerts or freezes to my credit file or any retaliation from Equifax preventing access to my credit file as I need ongoing access to monitor my credit. The XXXX XXXXXXXX XXXX Account has been in an dispute status for 60+ days with Equifax online as this has prevented me from uploading any documents to this account online and a superviser opened a dispute for the reinserted XXXX XXXXXXXX account although the account was previously deleted with no notice from Equifax for reinsertion. I spoke with a Supervisor by the name of XXXX with Employee ID XXXX who confirmed that the XXXX XXXXXXXX account was previously removed as a result of dispute in XX/XX/2024 and removed from my Equifax credit file. I have not received any correspondence from Equifax since XX/XX/2024.
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (IL)

I opened several disputes due to inaccurate reporting on my credit report with the creditor XXXX XXXX XXXX XXXX XXXX XXXX as well as XXXX, XXXX, Equifax. 

They never completed an investigation nor did the provide verification that the payment was late. 

I submitted bank statements and photocopies of the check that I paid them which was cashed well before the statement even closed in XXXX XXXX XXXX and was in excess of the entire statement balance. The check was cashed a few days after I sent it, but was not applied to my account for months. 

I sent the credit beuaurs letters via certified mail and included a copy of the bank statement, check, my drivers licenses and a health insurance bill showing proof of address. 

To that, the credit agencys sent back a letter stating that they would not open a dispute because they beliebe this was sent from someone other than me. 

I again sent it and they never replied, therefore under FCRA this item needs to be removed from my credit report as I was never late XXXX or XXXX days. The bank lost the check and took months to properly apply it to my account. 

Additionally, even at the time the check was found and applied to my account, it would not have been XXXX days late. 

Thanks,
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-25
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)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

JP MORGAN CHASE restricted my business account on XX/XX/2024 They denied me access to my funds and told on 3 seperate occasions that my funds would be returned to me.first they said they would send the funds back to the sender so I can have the funds within 3-5 business days so the funds could be redirected to my new account, then after3 weeks of not receiving any funds tehy told me a check was mailed out on XX/XX/XXXX and I will be receiving the funds within 10 -12 business days, It has been over 53 days since they seized my funds. This is my second complaint being filed with CFPB and XXXX  regarding this matter. Chase contacted me after the first complaint and assured me that the issue would be resolved. I still have not received my funds and i still have not heard from them since. At this point I am left no other choice other than to pursue legal action. I have already retained a lawyer to represent me. Chase has dispalyed that they do not care about small business owners such as my self and the tremendouse negeative effect thet witholding almost $ XXXX of my money is having on my business. I have lost allot of revenue, lost employees due to not being able to make payroll, I got behind on my bills and I had to take out loans in order to compensate for not having my funds available just to name a few of the effects this incident has had on my business. I will pursue to resolve this matter through my attorney and will also be contacting local news and media about this incident. CHASE needs to reimburts my funds and compensate me for damages to my business and my reputation.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.