davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
Product: Credit 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: GOLDMAN SACHS BANK USA (NY)

A fraudulent charge appeared on my credit card. 

I reported this to Goldman Sachs. 

They reversed the charges and said they would send information about the charges. 

I do not have any knowledge of the charges listed as IN * Student Mentorship for {$250.00} and XXXX, which were charged to my card on XX/XX/. I have never had any interaction with this vendor. I have not received any mentorship services from any vendor nor have I ever received services from any vendor providing student mentorship services. I dont believe IN * Student Mentorship are a real business. 

I contacted Goldman Sachs again on XX/XX/. I sent a letter on XX/XX/, which apparently did not reach Goldman Sachs. The Apple website lists an incorrect website for such disputes, apparently. 

So, I tried again. 

I asked Goldman Sachs for a file regarding the fraudulent charges made in reference to the dispute listed above. This is my fourth request for you to provide this information. To date I have not received any substantiation from you that a valid charge took place. 

I provided a fraud report to the FTC Report Number XXXX. 

Goldman Sachs ' case manager called on XX/XX/XXXX  to say that I needed to prove that I had not made these charges. 

If you XXXX : " In * student mentorship '' no results are presented. 
I have no emails, texts or phone calls from this merchant. 
I was told that I made these charges with my phone in person. 
My phone was never outside of my control on XX/XX/. 

I have asked for evidence that merchant has a valid account with my name, including : receipts, tracking numbers, or written interactions with the client.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-10
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. (MI)

XXXXXX/XX/XXXXAccount name XXXXXX/XX/XXXXAccount number XXXX {$860.00} Have this company send proof of my signature. I have never done business with this company. 



Account name XXXXXX/XX/XXXXXXXX XXXX Account number XXXX Account charged off. {$2.00}, XXXX written off. 
Recent payment {$2000.00} If a payment was submitted for {$2000.00} as recent payment why is this showing on my report. Have this company send video proof or at the very minimum proof of my signature to validate this account. I have an identity theft alert on my account. 



Account name XXXX XXXX XXXX Account number XXXX Account charged off. {$100.00} written off. {$100.00} past due as of XX/XX/2022. 

If they claim this was written off, then they are paid. The company gives me the run around. Says card was a PREPAID card meaning someone had to put money up to open it. If not removed, I will be filing a claim in court. I am done playing kiddie games.
Consumer complaint received 2021-01-12
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: STATE FARM BANK, FSB (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, STATE FARM BANK, F.S.B add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authoriza tion Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-06-19
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. (CA)

On 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 OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$57.00} XXXX XXXX  Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK ()

Today is XX/XX/2023. I just checked my Discover XXXX XXXX account and found an unauthorized official bank check withdrawal with the amount of XXXX USD on XX/XX/2023. And XXXX days before this transaction, an email said that my XXXX passcode for the Discover XXXX XXXX has been updated. 

I actually didnt update this passcode and each time when I called them I could only change the password instead of passcode. So where the passcode comes from??? And I did not authorize any bank check withdrawals. I even have no idea how to issue a bank check from this account since its a saving account. 

So I called the Discover Bank immediately but they told me they could not stop the payment for this transaction of XXXX USD. Because I am currently in XXXX and not using the phone number on file, they said they could not verify my identity and asked me to go through a very complicated verification process which the XXXX XXXX would be involved. It might take XXXX month or more because the earliest appointment for XXXX XXXX is next month. 

Its a horrible and ridiculous experience and I am currently very worried about the safety of my money because I have not idea what is going on. I dont know why someone could easily steal my money but I need to go through such a long and complicated process to verify myself and protect my money. I still have email and address on file but they didnt really help with it. Thats really disappointed and I already lost trust on Discover Bank although Ive stayed with them for XXXX years.
Consumer complaint received 2023-06-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TAG Intermediate Holding Company, LLC (CA)

I have been getting harassed about my car insurance. I have been paying my car note every month on time and I also have my own insurance through XXXX XXXX, I have showed that to the company I have gotten the car from which is ganas auto. They have took some of the money that I paid my car note with and put some of it towards their in-house insurance that i dont even pay for. The first copy I sent was XX/XX/2023 and I was told that she have received it and that they want be charging me any more. Then I just got another call XX/XX/2023 about the same thing and I showed proof that I have insurance. And now I just got another call this morning XXXX about the same thing.
Consumer complaint received 2022-12-08
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. (VA)

There Is an account being reported by the Creditor in Which I Did not open or authorize to be opened. I Have reported this several times to the creditor in hopes that they would Investigate and remove this account from my report. The creditor is also reflecting different information to two credit reporting agencies. XXXX has that this account was opened on XXXX and Equifax has reported that this account was opened on XXXX. Because this information is incorrect, and I did not authorize this account to be opened I would like the account to be deleted from the credit file as it is impacting my reports negatively with incorrect information.
Consumer complaint received 2016-08-17
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC (FL)

I have XXXX foreclosure case numbers none of them have given me the opportunity ti resolve the issue completely. 
First filed case numberXXXX Second filed case number XXXX Third filed case number. XXXX I 'm continuously threatened with litigation.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TN)

This is concerning the fraud claim from my account ending in XXXX that happened on XX/XX/2022. Here is more substantiating information backing up my claim. 
Attached are the pages of the police report that I filed with the XXXX TN police department. The Narrative on page 4 describes the crime that took place. My phone was stolen from me and XXXX and XXXX and ACH wire transfers was used to fraudulantly Electronic Transfer all the money that I had in my student checking account and savings account. without my consent or knowledge. The Consumer Protection Laws for fraudulant Electronic Transfers require the victim to notify the bank within 24 hours which I did via contacting Navy Federal Credit Union on XXXX XXXX XXXX  The bank is required by law to replace the money that was fraudulantly transfered. I also fraudulanlty lost money from my XXXX XXXX XXXX  account which XXXX XXXX XXXXXXXX has since replaced. Navy Federal Credit Union is responsible to protect consumers from fraudulant Electronic Transfers just as XXXX XXXX XXXXXXXX is responsible to protect consumers from fraudulant Electronic Transfers. I want written explanation of the entire investigation that was performed by Navy Federal Credit Union fraud department that determined there was no fraudulant activity if that is the conclusion XXXX XXXX is making after receiving this additional Police Report information.
Consumer complaint received 2024-03-08
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. (IN)

I am writing to bring to your attention a matter that requires urgent resolution. Despite many reminders and past due notices, the outstanding balances on these accounts have not been addressed in a timely manner. 

I have always strived to ensure prompt payment for the goods and services provided. However, I have recently observed a significant delay in the processing of payments and the consequent updating of account statuses. 

This delay not only impacts my financial records but also raises concerns regarding the efficiency of your account management system. It is essential for me, as well as for the smooth functioning of our business relationship, that these outstanding accounts be promptly corrected and brought up to date. 

Therefore, I kindly request that immediate action be taken to rectify this situation. I expect all late open accounts associated with my account to be promptly reviewed, corrected, and updated to reflect the accurate payment status. 

Additionally, I would appreciate regular communication regarding the progress made in resolving this matter. Please inform me of any steps taken to expedite the correction process and ensure that such delays do not occur in the future. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-05-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (MI)

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 CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXAccount # XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2022-12-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-12
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. (NY)

My name is XXXX XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WSFS FINANCIAL CORPORATION (FL)

To Whom It May Concern, Im writing this complaint in frustration. In XXXX I purchased my home with a 1st and 2nd Mortgage. In XXXX I decided to do a refinance on both loans, but upon the process of doing the refinance, I noticed that the bank wasnt working with me to complete the process. I then took matters in my hand and hired an attorney ( XXXX XXXXXXXX XXXX XXXX ) to see what was going on with the loan. It was a process and nightmare with the first mortgage, but somehow, I got it resolved in court in XXXX. The second loan did not get resolve by the attorney, so what they did they took out a mortgage on the loan and I was paying them {$400.00} a month from XXXX, in confidence believing that everything was ok at the time, but basically, they took advantage and collect money from the loan, knowing that I never had a Mortgage Company for the loan. A few years later in XXXX, I was served a court summons from this bank called XXXX XXXX XXXX XXXX XXXX, claims that they now own the loan. I then again hired another attorney to look into the problem and currently its not going the right way as it should be, because the bank forges my husbands signature on the Mortgage documents of which he is not on the Mortgage. The loan is a lost document, and they dont have the original documents. Now they are trying to force action to take my house away from me, if I dont agree to pay the actual amount that is owed. I need to know how this can be right in the hands of the law. I never being into any foreclosure issues before and this is not my fault that the documents were incomplete or lost throughout the years. After XXXXyrs, no one ever claims the loan until now. I need to know what to do, because I cant afford for them to take my home, knowing that they committed a fraudulent act on the documents. Im willing to work with them to do the right thing, but moving forward knowing what they did is unbearable. I need someone assistance in this matter. Thank you.
Consumer complaint received 2024-03-08
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. (KY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX  XXXX XXXX  XXXX
Consumer complaint received 2022-12-06
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: CLGF Holdco 1, LLC (VA)

In accordance with the fair credit reporting act, INDIGO-XXXX  BANK XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block the account 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 OPM data breach as well as XXXX 's 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 : {$0.00}