davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I initiated a {$27000.00} transfer, to my XXXX XXXX. But on XX/XX/XXXX, my Marcus account was inexplicably locked. After multiple verification attempts, including providing personal information and my Social Security Number, your representatives were unable to unlock my account or send the necessary verification code. I provided alternative phone numbers ( 4 phone numbers an ), but the issue persisted. 

When I requested account closure and the return of my approximately {$180000.00}, I was assured it would be processed accordingly. However, I received an email on XX/XX/XXXX claiming unsuccessful contact attempts, which I dispute as I received no missed calls. Upon calling back, I was informed that my account required additional verification, causing further delays. 

Despite assurances on XX/XX/XXXX and XX/XX/XXXX, the transfer failed, and my funds, approximately {$200000.00}, were not redirected to my XXXX XXXX XXXX account. 

Despite subsequent calls on XX/XX/XXXX and XX/XX/XXXX, my account remained under review, and additional verification steps were imposed. Today, on XX/XX/XXXX, I was informed that the transfer needs to be redone, and I should call again tomorrow for the verification code. These ongoing issues and delays have eroded my trust in Marcus by Goldman Sachs. 

I demand immediate closure of my Marcus account and the transfer of my remaining funds, approximately {$200000.00}, back to my XXXX XXXX XXXX  account ( I initially transferred money from XXXX XXXX XXXX to Marcus bank ). I expect this process to be completed promptly and without further complications. I also request a detailed explanation for the numerous errors, inconsistencies, and delays that have transpired.
Consumer complaint received 2020-12-29
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. (IL)

I disputed innacurate accounts reported by your company in the file you maintain Under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XX/XX/XXXX 
Please govern yourself accordingly.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I did not give written permission to have the following accounts furnished on my credit report ( 15 USC 1681A2 ). 

XXXX XXXX XXXX XX/XX/XXXX XXXX {$9700.00} {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-04-26
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. (TX)

As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the accounts XXXX XXXX XXXX XXXX XXXX. Furthermore, the disputed accounts were never verified, and XXXX and XXXX have deleted these accounts. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/2024 ( attached ). If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX please 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 2016-12-16
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XXXX/XXXX/2016 a short sale package was submitted to XXXX and sent to Nationstar who is the servicer for the investor XXXX. They responded with a counter stating that the listing price should be {$500000.00}, The property is in no way worth that amount. I then requested a XXXX review of value expecting the lender to send a 3rd party Appraiser but they did no such thing, instead they used a computer program to determine that there will be no value adjustment. They are using the system called XXXX which does not factor the property conditions or contractors estimate for repairs. This has been on going for well over 1 year and we are getting nowhere. The system they use is tedious and extremely frustrating as i cant even speak with anyone, there is no live person or point of contact but instead agents are forced to use this defective system called XXXX and XXXX.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

NOTICE AND DEMAND TransUnion is conspiring to the act with an alleged debt collector. XXXX XXXX  XXXX have been noticed that I am a victim of identity theft however, with their pompous attitude of being above the law, they still continued forward and XXXX conspired with trans union to report erroneous false claims I will be charging a {$10000.00} fee daily from here on for the false claims act. ( 2 ) XXXX XXXX  has XXXX conspired with Trans Union to deprive me a man of my rights and I will be charging {$10000.00} daily under title XXXX8 to 42. The deprivation of rights. The companies have stultified and are causing your repairable damage, and I will be seeking out at the insurance commissioners office in their state to file a claim on their surety bond for damages.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-03-19
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. (NC)

Company failed to respond to issue in previous complaint : XXXX. 

Incorrectly reporting conflicting information. The loan can not be late in XXXX when it was paid and closed in XXXX.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

My car was stolen and my personal information has been used to get loans and credit. I filed the correct paperwork according to the FCRA and submitted it to the credit reporting agencies. Nothing has been submitted correctly and I do not have copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

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 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (SC)

So I am currently on the SAVE Plan I was moved over from Great Lakes to Nelnet and I was advised that under the Save Plan as long as Im making my monthly payment that my balance would not increase but Im noticing that it is increasing even after I make my payment and I spoke with them and they told me that the interest was going to increase anyway regardless of the payment I made and it starting to grow so I am reporting that Nelnet is purposing growing my balance even after I am making payment on this Save Plan
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

i, my name is XXXX XXXX, i have a saving account with td bank at first when i realise that my card was not working i went to talk to the manager if they can provide me with a new card to access my funds, they say they couldnt help me that i have to come back an another time and as well the system is down so they basically cant access my account. 
so when i went back in two weeks of time the lady that was helping me was very rude, telling me all kind of excuses but at this point i have to remind her that my phone bill is due as well as my rent and i have to taking care of that issues as soon as possible. so after a couple a minutes of looking at my account and passing some phone calls she reach out to me and let me know that td bank do not have my account and i have to go and check with the office of the new york state comptroller ( for unclaimed funds ). 
at that point i told her that i dont know what is the unclaimed fund and i dont have no business with them and if the bank can help me claim my account. she says that i an on my own and the bank cant help. After i visit the website she gives to me and call the state comptroller, i realise that i was being scam and the bank never foward my account the the state comptroller to be claim by me. i am i need, i need my refund so someone please help me.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (LA)

I just checked and reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
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. (CA)

I created this new CFPB account since I lost my access to the other one. From now on, this will be my only CFPB account.

I just checked and reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
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. (CA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

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 I ALSO NOTICED NAMES ALONG WITH ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (CA)

SEE Email Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Hard Credit Inquiry on XXXX XXXX XXXX XXXX I did not apply for a credit card with XXXX Wyndham Rewards Earner  Card application - XX/XX/XXXX - Hard Credit Inquiry on XXXX - Unknown Source- I did not apply for a credit card with Wyndham Barclay Bank Please remove all Credit InquiriesPlease investigate this fraudulent activity
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank had a promotional offer that when you upgrade your account to a Chase Private Checking ( CPC ) account and maintain a balance of at least {$250000.00} for 90 days, you will receive a cash bonus of {$2000.00}. 

On XX/XX/2022, I walked into a local Chase Bank ( address : XXXX XXXX XXXX, XXXX, CA XXXX ) ( XXXX XXXXXXXX ) to claim this promotional offer. I was assisted by a representative named XXXX XXXX XXXX. He upgraded my regular checking account to a CPC account and instructed me that as long as I have maintained a balance of {$250000.00} in this CPC account for 90 days, I would receive the {$2000.00} cash bonus. I had {$240000.00} at the time of the upgrade so, I was instructed by XXXX to deposit another {$10000.00} to reach that balance. I initiated that deposit the same day with XXXX with a check for {$10000.00}. 

After this transaction, I left the bank and for the next 90 days, I have maintained the balance of {$250000.00} in my CPC account as instructed. A couple weeks after the 90 day period, I looked at my bank activity and noticed that I still had not received the {$2000.00} cash bonus. Since XXXX XXXX XXXX was not available, I walked into a different local Chase Bank on XXXX XXXX and XXXX ( Branch XXXX ) on XX/XX/XXXX to inquire why I have not receive the cash bonus into my account. A rep took a look at my account and notified me the reason why I did not receive the cash bonus was that I had to actually deposit {$250000.00} in new money to the account to satisfy the requirement of the cash bonus. I told the representative that I was not informed at the time that it had to be new money and was misled about the promotional offer. The rep. at XXXX XXXX recommended that I should call XXXX back to see if I can still be entitled to the $ XXXX bonus. 

On XX/XX/XXXX, I called XXXX about the cash bonus and was informed the same thing about having to to be new money deposited into the account to be eligible for the cash bonus. I explained to him that he did not inform me of this at the time and that I feel entitled to the cash bonus since he had misled me on the promotion. XXXX said he will contact his manager to see if his manager can make an exception for me. 

His manager, XXXX XXXX, called me back and informed me again that I had misinterpret the promotional offer. I expressed and that I was misguided and that I am still entitled to the {$2000.00} bonus. He informed me that he does not have the power to make an exception and, per my request, he had submitted a ticket to escalate my situation to higher management to see if can get the credit. On XX/XX/XXXX, XXXX called and left me a voicemail stating that higher management has determined they are still not granting me the {$2000.00} as it does not follow the terms of the offer.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to express my deep concern regarding your company 's failure to conduct a proper investigation into inaccurate collection items on my credit report. 

Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor XXXX XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXXXXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 

It has come to my attention that despite repeated attempts to resolve this matter, your company has neglected to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are required to conduct a reasonable investigation into collection items brought to their attention by consumers. However, your company has failed to do so on multiple occasions, thereby violating the law.