davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

Marcus by Goldman Sachs Savings Account XX/XX/2023 withdrew XXXX to my XXXX  checking account XX/XX/2023 transfered XXXX from my XXXX  to my Marcus Savings Account XX/XX/2023 transferred XXXX to my XXXX  Checking account - money was put on hold after verifying through their electronic connect system to XXXX XXXX. 

XX/XX/2023 I call Marcus by Goldman Sachs to verify the XXXX  Account. another XXXX is initiated to XXXX XXXX on top of the XXXX that was requested on XX/XX/2023 XX/XX/2023 Three calls to Marcus Goldman Sachs and they can not find the funds. 

I'm missing XXXX in my XXXX XXXX Checking account as well as my Marcus Account. 

Marcus has given me a 45 day turn around on the complaint. I am missing XXXX. 

I removed all additional funds by wire to my bank account today because they are incompetent on finding my money. 

Dispute # XXXX They would not upload any information to my account portal and would only do snail mail.
Consumer complaint received 2023-02-01
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. (GA)

WE JUST RECEIVED A MAILED PACKET O FTHE SAME INFORMATION SENT EMAIL FROM XXXX XXXX XXXX I WANTED TO COMPARE THE INFORMATION SENT VIA EMAIL TO THAT OF THE MAILED COPIES. 

AS SUSPECTED THERE HAVE BEEN EXCESSIVE MODIFICATION REGARDING THE TRUSTEES CASH RECEIPTS AND DISBURSEMENT REPORTS AND THE DOCKETS AS IT REFERS TO EVERY REAL AND COMMERCIAL PROPERTY AND DEBT ( WHICH SHOULD NOT HAVE EVEN BEEN A PART OF THIS COURT ORCHESTRATED FRAUDULENT BANKRUPTCY! EVEN THE FALSIFIED DOCUMENTS FOR A LOAND WE NEVER SIGNED FOR NOR RECEIVED WAS MODIFIED. 

DID XXXX XXXX XXXX REALLY THING I WOULD NOT COLLECT EVERY PIECE ON PAPER RELATED TO THIS CASE? THE MODIFIED DOCKET IS OFF THE CHAIN. 
WHENEVER YOU DEAL WITH XXXX YOU ALWAYS PRINT DAILY. 

I EVEN REPORTED THE MODIFICATION OF VARIOUS DOCUMENTS REGARDING THE MORTGAGE FRAUD AND MORE. OUR NAMES WERE FORGED, LIFTED XXXX INITIALS FORGE, THE DISPERSEMENT WERE DISPERED TO THE TRUSTEE, JUDGE AND TRUSTEE ; S ATTORNEY, WOW WEE! CAN'T WAIT TO SEE THE LOOK ON INDIVIDUALS FACES UPON COMPARISON! AGAIN, WE GAVE YOUR FIRM A CHANCE TO CLEAR THIS UP, BUT YOU DIDN'T. BEING CAVALIER DOES NOT WORK TO ANYONE 'S ADVANTAGE! 

GIVEN THE COURT DOCUMENTS WERE MODIFIED AND ALTERED THEY ARE NOT VALID IN ADDITION TO NOT BEING VALID BECAUSE THE XXXX HAS COMMITTED BANKRUPTCY FRAUD! YOU ALREADY KNOW. 

OUR COMPUTER AND PHONES ARE STILL BEING HACKED. THIS OCCURS WHEN XXXX IS IN HE NEIGHBORHOOD AT XXXX SUPPOSELY REPAIRING CABLE LIKE THEY WERE AGAIN TODAY! I ALREADY KNOW WHICH JUDGES AND LAWFIRMS ARE CONNECTED TO XXXX. LET 'S BE A LOT MORE CREATIVE! 

PLEASE STOP HARRASSSING US! NO RETAILATION WILL BE TOLERATED.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My credit report from Experian states that I have an outstanding debt of {$830.00} with XXXX which is listed as a personal loan. On XX/XX/2022, XXXX sold my loan to XXXX XXXX, XXXX whoacquired the loan, with an unpaid balance. ( Attaching confirmation of account sold to XXXX XXXX from XXXX ). This was a charged off account that was sold but is still reporting a balance from XXXX ( original creditor ) of {$830.00}. I have attempted to reach out to XXXX and Experian many times to update the balance of the loan to {$0.00} as the account was sold off and should be reporting a balance of {$0.00}. I have disputed it with Experian many times as well as XXXX. On my XX/XX/XXXX Experian report, Experian actually did fix this issue and took out the balance ( attaching XXXX account information on XXXX ), but maybe due to having multiple disputes open someone else put the balance back on my Experian report ( attaching XXXX account information on XXXX ). This started showing as a new delinquent account on my Experian report because it was re entered which dropped my score more than before when it was previously reported. I am not able to get the balance removed. I have also settled this debt with XXXX XXXX XXXX ( attaching confirmation of debt settlement ).
Consumer complaint received 2023-02-01
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. (GA)

WE JUST RECEIVED A MAILED PACKET O FTHE SAME INFORMATION SENT EMAIL FROM XXXXXXXX XXXX XXXXXXXX, I WANTED TO COMPARE THE INFORMATION SENT VIA EMAIL TO THAT OF THE MAILED COPIES. 

AS SUSPECTED THERE HAVE BEEN EXCESSIVE MODIFICATION REGARDING THE TRUSTEES CASH RECEIPTS AND DISBURSEMENT REPORTS AND THE DOCKETS AS IT REFERS TO EVERY REAL AND COMMERCIAL PROPERTY AND DEBT ( WHICH SHOULD NOT HAVE EVEN BEEN A PART OF THIS COURT ORCHESTRATED FRAUDULENT BANKRUPTCY! EVEN THE FALSIFIED DOCUMENTS FOR A LOAND WE NEVER SIGNED FOR NOR RECEIVED WAS MODIFIED. 

DID XXXX XXXX XXXXXXXX REALLY THING I WOULD NOT COLLECT EVERY PIECE ON PAPER RELATED TO THIS CASE? THE MODIFIED DOCKET IS OFF THE CHAIN. 
WHENEVER YOU DEAL WITH XXXX YOU ALWAYS PRINT DAILY. 

I EVEN REPORTED THE MODIFICATION OF VARIOUS DOCUMENTS REGARDING THE MORTGAGE FRAUD AND MORE. OUR NAMES WERE FORGED, LIFTED XXXX INITIALS FORGE, THE DISPERSEMENT WERE DISPERED TO THE TRUSTEE, JUDGE AND TRUSTEE ; S ATTORNEY, WOW WEE! CAN'T WAIT TO SEE THE LOOK ON INDIVIDUALS FACES UPON COMPARISON! AGAIN, WE GAVE YOUR FIRM A CHANCE TO CLEAR THIS UP, BUT YOU DIDN'T. BEING CAVALIER DOES NOT WORK TO ANYONE 'S ADVANTAGE! 

GIVEN THE COURT DOCUMENTS WERE MODIFIED AND ALTERED THEY ARE NOT VALID IN ADDITION TO NOT BEING VALID BECAUSE THE XXXX HAS COMMITTED BANKRUPTCY FRAUD! YOU ALREADY KNOW. 

OUR COMPUTER AND PHONES ARE STILL BEING HACKED. THIS OCCURS WHEN XFINITY IS IN HE NEIGHBORHOOD AT XXXX SUPPOSELY REPAIRING CABLE LIKE THEY WERE AGAIN TODAY! I ALREADY KNOW WHICH JUDGES AND LAWFIRMS ARE CONNECTED TO XXXX LET 'S BE A LOT MORE CREATIVE! 

PLEASE STOP HARRASSSING XXXX! NO RETAILATION WILL BE TOLERATED.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (SC)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$6500.00}, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2017-05-09
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Seterus, Inc. (NC)

My loan is being serviced by  Seterus Inc. and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage after the 1st modification was approved. Again, they have offered me two times another loan modification only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've bee n treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until  XXXX   XXXX  but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tactic s ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks o n me is taking it 's toll.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

I sent cashier 's check XX/XX/21 to pay off mortgage. I included my pay off quote from the company also. It was cashed XX/XX/21, misapplied as a payment and not as a payoff. I wrote the company advising them of the misapplied payment and telling them the CFPB says they have 20 days to properly apply the payment and return any escrow. They acknowledged my letter online XXXX in the matter of a form letter saying they have 30 days to make it right. Online the account is still showing with an outstanding principle, no letter in writing has been received and no escrow returned. Please help.
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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

This inaccurate and inconsistent information has been a problem for me for several years. I have previously made complaints in the past, but nothing has changed. Except for XXXX, EXPERIAN and XXXX credit history information has remained inconsistent for several years. My EXPERIAN and XXXX credit history should be consistent with my correct XXXX credit history.
Consumer complaint received 2023-03-31
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. (CO)

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights 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 written instructions
Consumer complaint received 2024-03-29
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. (IL)

Subject : Dispute of Bankruptcy Court Statement on Credit Report To Whom It May Concern : I am writing to dispute a statement that has appeared on my credit report from the United States Bankruptcy Court. The statement reads : " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly available records. '' While bankruptcy filings may be publicly available records, including this statement on my credit report violates my rights to privacy under the Fair Credit Reporting Act ( FCRA ). 

The FCRA prohibits the inclusion of information on a consumer credit report that does not bear directly upon the consumer 's creditworthiness or credit standing. 15 U.S. Code 1681c specifically states that consumer reporting agencies may not disclose bankruptcy case records after 10 years, as they are no longer relevant to credit decisions. 
Additionally, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 states that bankruptcy public records should be treated as confidential and limits their disclosure.

By including this statement referring to bankruptcy records on my credit report, it implies negative information about my financial situation that is not directly relevant to my current creditworthiness. This violates my privacy rights under the FCRA and the Bankruptcy Act.

I am formally requesting that this statement be immediately removed from my credit report, as it discloses information prohibited under federal law. Please confirm in writing once this has been corrected.

Thank you for your prompt attention to correcting my credit report in compliance with the Fair Credit Reporting Act and the Bankruptcy Act.
Consumer complaint received 2023-03-31
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. (TN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (NY)

{$150000.00} ACH transfer has not been returned by ally bank. 

I made an XXXX transfer of {$150000.00} using ally bank to pull the funds from my XXXX XXXX XXXX XXXX account. After successfully transferring {$1000.00}, I went ahead and scheduled the transfer of {$150000.00}. On XX/XX/XXXX the amount was withdrawn from my XXXX XXXX XXXX account. However, nothing was deposited to my ally bank savings account on the date that it was supposed to be delivered, which was XX/XX/XXXX. Allys website showed the transaction marked as completed and funds delivered, however it was not. I contacted ally bank numerous of times to find out what happened. First they said the delivery of the funds failed, and a return was being processed as the reason why. So I assumed it was being returned as stated, so I asked for a trace number of that return. After XXXX business days, I did not see any funds being returned to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and I was told a return was never processed by ally bank and they still have the funds and I also found out that the trace number ally bank gave me was not a trace number of the return but the trace number of the original traction. They also said I am supposed to resolve the issue with ally bank because the transaction was initiated with them and they currently have the funds. 
The next step was contacting ally bank to see what is really going on, XX/XX/XXXX I contacted ally bank which said the return of the XXXX transfer failed but the amount was successfully withdrawn from my XXXX XXXX XXXX XXXX account. Their only solution is for me to contact XXXX XXXX XXXX and open a dispute under the reasons as other due to the transaction being incomplete. Those are vague reasons for me to open a dispute, usually a dispute is done due to fraud or not being authorized. 
I am not sure how to proceed after this because both sides are unwilling to find a solution and I am left out of {$150000.00}, the majority of my savings.
Consumer complaint received 2017-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

They call my phone at least  13 ti mes a day but they always call from different numbers. They will call 5 times from  one phone number and then use other numbers throughout the day. My phone rings every hour, sometimes within 30 minutes of the last call. This has been going on everyday since   XXXX  .
Consumer complaint received 2023-03-31
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. (KY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update or delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-08-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC (GA)

I have received numerous unsolicited phone calls offering my business loans lately. I have used the option to stop receiving calls or told the person I am not interested and to take my company off their list. Instead the calls keep coming and now they sent me a credit card in the mail that I did not ask for or agree to. 
The card is from XXXX XXXX, it claims to be a $ 150XXXX limit card that I am to call to activate. No terms, just the card and instructions on how to activate it. I think it 's a scam Ph # to call is XXXX XXXX XXXX.
Consumer complaint received 2024-04-02
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)

I am writing to express my dissatisfaction and concern regarding the recent attempt to rectify the late opening of accounts. Despite assurances and prior attempts to resolve this issue, I find it disappointing that a second attempt was necessary to address the matter adequately. 

I understand that mistakes can happen, but repeated oversights are unacceptable. This situation reflects poorly on your company 's efficiency and attention to detail. Moreover, it raises questions about the reliability of your services and the level of professionalism exhibited in handling customer accounts. 

I urge you to take immediate action to rectify this situation and ensure that similar delays do not occur in the future. Additionally, I expect clear communication regarding the steps being taken to prevent such issues from arising again. 

Furthermore, I request compensation for the inconvenience and time wasted due to the delayed account openings and the need for a second attempt to correct the error. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX  XXXX Balance : {$36000.00} ; XXXX  XXXX Balance : {$20000.00}.
Consumer complaint received 2023-03-31
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. (OK)

This is my Fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX