davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (FL)

I submitted three disputes with XXXX which have all returned unchanged. I received the latest yesterday evening of XX/XX/2024, at which time I immediately contacted XXXX to ask why they will not close the Marcus Goldman Sachs ( MGS ) account and I was told by XXXX that MGS must have provided information that the account is accurate. I asked if they could provide me with proof and the response was that I would have to contact MGS. I explained that I submitted several documents proving that they sold-transferred my account to XXXX, who I am currently paying, and they are also reporting. So, I now have two of the same account with different loan servicers. 
I then explained that I submitted a complaint to CFPB but was told by XXXX that I need to enter a new complaint against MGS. I asked why and was told MGS is responsible for closing the account. I explained that I have called MGS multiple times, and they keep telling me to contact XXXX, who then refers me back to MGS. No one is helping me in this matter. 
So, in reference to complaint XXXX I am requesting that MGS update my account as closed-transferred to XXXX
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Defrauded, scammed and held hostage by a moving company / moving companies that do not have a license to operate in New Jersey and by company and companies that does not have a mandatory active XXXX XXXX XXXX XXXX XXXX 

We have XXXX XXXX XXXX XXXX XXXX  of damage to our home and property. 

Prior to the second shipment being delivered, XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX movers emailed us on Wednesday XX/XX/XXXX at XXXX stating that we the XXXX shipment will not arrive on site and will be held at a different location nearby until we wire him money to a strange account, that is not in the agreement. We were instructed in his email and his movers would not come to the house and be at XXXX location until we wired money. Wiring money was not in the agreement. He refused to apply discount nor take credit card per agreement and email from XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I replied XXXX XXXXXXXX that we will not wire money because its not in the agreement and that he needs to apply the discount upon delivery as promised in agreement. 

XXXX XXXX XXXX XXXX  XXXX, who promised discount, blocked my phone calls and refused to call us back as we dealt with this on-going nightmare. 

Once again we were in another standoff and XXXX situation for our items, which were XXXX XXXX XXXXXXXX  as we were instructed that the driver would not wait past XXXX XXXX at another location until the wired funds hit his account at XXXX XXXX  XXXX 

XXXX, had XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We were forced to wire an additional {$4700.00} from my Capital One Account to wire transfer to his Bank : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX Routing # XXXX Account # XXXX or they would hold our XXXX  XXXX and then charge us holding fees. 

The second shipment came late as well and came XXXX XXXX. The movers then wanted more money upon delivery. 

The {$2000.00} discount was never applied like promised, and we were held XXXX to get our items back. 

The first shipment was delivered by guys hired via XXXX XXXX XXXX  and not professional movers, which we had hired per agreements. 

This is afteXXXX XXXX XXXX XXXX charged me {$8000.00} to my visa even though they were not apart of the contract. 

I also never even XXXX  this company, they were outsourced by XXXX XXXX XXXX, who's owner has been XXXX  of XXXX  and XXXX  customers as well. 

These companies do a lot of business together and all of their reviews are littered with XXXX and fraud complaints.
Consumer complaint received 2020-06-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I recently received a response to a dispute regarding a reinserted judgment, that I made under FCRA 611 ( a ) ( 1 ) regarding an erroneous item on my credit report involving a Chapter XXXX Bankruptcy. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. In a letter provided to me by your company it states the information has been verified by the company your obtained the information from. That company XXXX XXXX has sent me a letter ( Attached ) stating this item has now been removed. If they have done their due diligence in correcting this erroneous record how is it you all are stating it is verified?
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

My credit score is been reported really low although. I have : -Low utilization of credit cards -Paid off car loan with XXXX XXXX XXXX XXXX Collection account ( XXXX XXXX ) has submitted the account to be deleted. 
- All accounts are current and paid as agreed. 

Based on all these factors, my score on all three Credit Bureaus should be in high XXXX ( XXXX )
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

Ditech Financial LLC recently agreed to modify my mortgage loan and withdraw its Foreclosure Complaint. In the process of modifying my mortgage loan they misappropriated {$1900.00} of my money that was sitting in an Unapplied Funds Account. I have brought this to the attention of the Customer Service Department at  Ditech  and their response is that I am wrong and that no funds were misappropriated.   Please see the attached document that prov es, using Ditech Statements and Schedules, that {$1900.00} was withdrawn from the Unapplied Funds Account without any valid or legal purpose. Please compel Ditech to return m y {$1900.00} without any further delay.
Consumer complaint received 2024-04-15
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OK)

I was contacted by a company claiming to need to speak with me about a business matter when asked who they were and why they were calling they would not provide any info unless I validated my personal information. 

I would not validate my info because I have never had an outstanding collection in my name and had no reason to believe a debt was outstanding. Because I pay my bills on time, every time. 

After attempting to find out more info about why they were calling me, eventually the agent I was speaking with said well since you are obviously ( name ) this is an attempt to collect a debt He then proceeded to tell me what the debt was for. An apartment complex I lived at 4 years ago and had a security bond with in the event that there was any damage when I moved out. I have never seen an invoice from this company in the last 4 years or had any contact from this company. 

We got nowhere on the call and I told him I wanted to look over my consumer protection rights. Near the end of the call he stated something to the effect of most people dont pay right off the bat until it starts pinging to their credit which worried me. 

I then called the company directly. They stated that they have been purchased by another company and no longer have records of any past tenets. And referred me to a different company. I called the other company every day for a week, left voicemails and was unable to get in touch with anyone there. 

I then received an email from the company claiming to be a debt collector on their behalf. I responded with the I need more information about this debt sample letter. 

To which they sent back some of the info requested, but not all of it. Of note, they didnt send me back their state or federal debt collector license number. Which also led me to believe they were trying to scam me. 

With them not providing this information I decided to call my state XXXX XXXXl and XXXX XXXX XXXX to see if they could locate this debt collector in their system. Lo and behold, they were not licensed with the state. 

I have not submitted a state complaint yet but will do so. 

I also requested that they only contact me via email. And they have called me directly and left voicemails 3 times since my request. 

They also sent an email most recently stating they are no longer handling this debt and that its been reclaimed and that if it has been reported to my credit that they have requested it be removed However, after I received that email, I received an alert that there was an unpaid collection on my credit. Which is the exact opposite of what their email said.
Consumer complaint received 2023-06-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-03-05
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Loan Servicing Holdings LLC (CA)

I did not receive a Welcome letter/package from Specialized Loan Servicing ( including the new address to send my payments ) but I sent a payment to their general offices in good faith. However, not receiving an acknowledgment of the reception of this payment, I thought it would be prudent to postpone future payments until I received the official address to send them to, which I never received. 
After doing some research on Specialized Loan Servicing, I found out that their reputation was poor, so I reached out to them to request the Welcome Package. They only responded that they had sent the package. I then reached out to individual executive officers, but received no responses. After all this, I suspected that my payments would not be handled safely, so I stopped making payments until I could satisfy myself that they would be applied correctly. 
Specialized Loan Servicing sent me a letter assigning a Relationship Manager to my case to review/resolve my " delinquent payments. '' I took counsel with a benefactor and made two proposals to them and a regular monthly payment in good faith, all of which was rejected by Specialized Loan Servicing. 
Then, Specialized Loan Servicing increased the frequency of their phone threats to foreclose my house by the end of the year.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a fraudulent account on my report and I sent in the ID theft affidavit and the consumer reporting agency had re-inserted this account to my report.
Consumer complaint received 2023-05-09
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. (AR)

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. 
XXXX XXXX XXXX Account number XXXX, XXXX BANK Account XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX  Account XXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX ACCOUNTS Account XXXX XXXX, XXXX XXXX XXXXXXXX Account number XXXX, XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, has violated my rights as follows 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 which I have NOT provided. 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 XXXX 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 2022-10-23
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. (NV)

THESE COMPANIES KEEP LETTING PEOPLE PULL MY CREDIT, 24 INQUIRIES? WHO DOES THAT? IVE CALLED THEM TIME AND TIME AGAIN THEY WONT REMOVE THEM 24inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

REf CFPB XXXX # XXXX. Well at least XXXX XXXX has admitted that it was a motor vehicle record. Now find out what the motor vehicle record was, and the date and location of the motor vehicle record. 

# 2 I have already contacted USAA, my insurance carrier, and they can not tell me anything about the alleged conviction. XXXX XXXX response Is Not really a response. 

3. XXXX XXXX claims they can not identify my identity because they can not fully authenticate my identity with a copy of my Letter from USAA, my insurance carrier, a copy of my passport, and a copy of a recent statement ( that includes my address, from my insurance carrier. If this is not sufficient, I don't believe they should be spreading disinformation about a " conviction '' ... which is what they told my insurance carrier. 

4. XXXX XXXX has lied in that I have not recieved an email from them. 

5. I have not received a call from XXXX XXXX but damned if I'd tell a caller anything about my identity in this day and time.
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

I loss my home due to a fire XX/XX/2020, I sent a insurance check to PHH Mortgage XX/XX/2020. the loan has been paid in full since XX/XX/2020. the refund amount owed to me is {$84000.00}, and they are yet to release the balance. They have lied to me left me on hold promise to call me back and they can not give me a competent answer on why they have not released my funds. I was suppose to close on my new home XX/XX/2020 at XXXX, however I can not because they are still holding on to the funds. I am staying at a hotel that XXXX XXXX XXXX is paying for.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-01-31
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. (FL)

To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (OH)

VENMO has charged me {$1500.00} & {$650.00} several times and have NEVER SENT THE MERCHANT THE MONEY! ... I have already paid the merchant so he ( XXXX XXXX ) would get his money due .... Venmo still owes me a credit for BOTH charges XXXX XXXX Total of {$2200.00} is the credit they owe me I have called them a dozen times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( payment from me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION (DC)

Made an {$8800.00} cash payment to my Fifth Third Bank credit card on XX/XX/XXXX. Despite this payment being cash, a hold was placed on the account. I discovered this when attempting to use my card while on vacation in XXXX, Colorado. After discovering this, I spoke with a supervisor at Fifth Third 's customer service number who looked into the payment and removed the hold after discovering it was a cash payment. Days later, after attempting to use my card I discovered that a hold has been placed on my account again. I've called Fifth Third a half dozen times to get this hold removed and I've received excuses from the fraud the department that vary from they can't see what type of payment was made or that they can't release the hold due to policy. I don't understand ( 1 ) why the hold was placed on the payment in the first place, given that it was cash ( even if I have had payments returned in the past, they shouldn't be allowed place a hold on a cash payment given that there's no risk of the funds being returned or stopped ; or ( 2 ) why after the hold was lifted, they re-applied the hold.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I XXXX XXXX Credit report transunion credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

XXXX   XXXX   reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.
Consumer complaint received 2024-03-27
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. (VA)

I need these hard inquiries removed from My credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX