davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NC)

I have an online savings account with Goldman Sachs Marcus. I believe Ive had this account for 6+ years. It was previously a XXXX XXXX XXXX account that was bought by Marcus. During my time of having this account I have been able to deposit and withdrawal as well as open new accounts ( additional savings and a CD ) without issue. Last week I linked an additional outside account to my savings for transferring funds in and out. Last week ( I believe it was the XXXX ) I requested a transfer of {$20000.00} from my Marcus account to my newly linked and verified savings account at XXXX XXXX XXXX XXXX. Marcus froze my account. I had to call them to see why my transfer did not go through. They said they needed to authenticate my XXXX XXXX XXXX XXXX account so we did a three way call with both banks and myself. I was told by the Marcus customer service person that my account was not unlocked and the transfer should take place within 24hours. It did not. Marcus reversed the transfer. I called today and after speaking with three different customer service representative they said the {$20000.00} fund transfer was canceled because I didnt get back to them to authenticate my account in time. Marcus froze my account, held the transfer and authenticate and approved the transfer all on the same day. I believe it was the XXXX. I requested another transfer from Marcus to XXXX XXXX XXXX XXXX today ( the XXXX ) when I saw they reversed the other one. I called Marcus to find out why the other one was reversed and they told me what I shared above and assured me this one would go through without any issue. An hour later I get a call from Marcus telling me my account of locked and they can not unlock it because they cant verify who I am. Almost XXXX weeks ago I have no issue transferring {$1500.00} to XXXX. But now that I want to transfer a larger amount they wont let me. This is very suspicious. Im not sure if they dont have the funds to do this. When I call Marcus representatives ask for the last four of my social security number, my birth day, and my secret word. But, to unlock it thats not good enough. I now need an affidavit notarized saying I am who I am and it would take 3 days to process once they receive it. Something is wrong on their end that they will not allow me to access the larger portion of my account. I am waiting a call back from Marcus now. If they call it will be the XXXX Marcus representative Ive spoken with today. They are holding my money hostage.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (IL)

In accordance with the Fair Credit Reporting Act, BARCLAYS BANK DELAWARE has violated my rights. 
Under 15 USC 1681 Section 602, it states I have the right to privacy.

Under 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

BARCLAYS BANK DELAWARE reported my account late for XXXX and XX/XX/XXXX. They have not updated the status of my account since XX/XX/XXXX. The balance on this account has been paid since XX/XX/XXXX ; however the report claims I still owe money. Also they have raised my interest rate ( APR ) to the highest possible rate since.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX 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 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I recently experienced hail damage on my roof in XXXX when a storm came through XXXX. I filed a claim with XXXX XXXX on XXXX/XXXX/XXXX. After the adjuster came to the house a final report was completed and a check was issued and mailed to me. Per my instructions, I forwarded the check in the amount of {$6100.00} to my 2nd lien holder ( XXXX XXXX ) for endorsement after a couple of weeks of waiting, I called in to check status and was told that my mortgage had been service transferred to XXXX XXXX XXXX ( " XXXX '' ) and that they had forward the check to them for endorsement. After waiting a couple weeks for the transfer to take place I started calling XXXX to check status. Day after day, week after week, they continue to tell me that they were still receiving mail from XXXX and that they had n't received the check. After two months of waiting, XXXX advised that it appeared the check was lost and that I should have XXXX reissue a new check. As such, I contacted XXXX and they put a stop check on the original check and reissued a new check. On or about XXXX/XXXX/XXXX, I received the new check and sent it overnight directly to XXXX for endorsement per their instructions. I followed up a week later to check the status of the check, and was advised it was still in processing being endorsed and it should be completed within 2-3 business days. On or about XXXX/XXXX/XXXX I followed up a week later and was told the proceeds had been wired to Nationstar, my 1st lien lender. So I called Nationstar, and was told they had not receive any proceeds and that they did n't even accept wires. I called back into XXXX, each time holding anywhere from 10-30 minutes for a representative. This time, I reached XXXX ( ID XXXX ) who advised that a check had been sent regular mail to Nationstar on XXXX and I should give it 5 business days to arrive. After waiting a week, I called Nationstar, and of course they had not received it. I called again a few days, later, still no luck. Finally, today on XXXX, after calling both companies twice to check status, I finally got XXXX ( ID XXXX ) at XXXX to do more research and tell me that they had sent the check via XXXX on XXXX to Nationstar. I confirmed the tracking number online and confirmed that XXXX XXXX of Nationstar had signed for the package. It has been almost three months since the first check was issued, I still have no proceeds, I have had to reschedule the roofers twice, I have sustained additional damage to my interior due to holes in my roof and the subsequent rain storms that are now not accounted for in the adjusters report. I am beyond frustrated and desperate to get this resolved, but have no way to get any help and each servicer just keeps pointing the finger at the other. I have no other ideas other than to ask the CFPB for help.
Consumer complaint received 2024-03-12
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. (GA)

I disputed 30 days past due to XXXX XXXX and they verified the information as correct. I disputed this information because they made a change on the month that was allegedly 30 days past sit. Essentially they said XXXX was late and I disputed that and they changed it to XXXX. I disputed the XXXX month and they said the information was correct. Approximately 4 weeks after the investigation XXXX XXXX days was listed as current and they now claim it was a different month. Every time I submit the dispute they claim the information is correct and communicate that to the bureaus and after the investigation is closed change the alleged month I was 30 days late. 

It appears that XXXX XXXX is playing games with alleged late payment dates by moving the months around which is having negative impacts on my score.
Consumer complaint received 2023-09-13
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: JPMORGAN CHASE & CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/XXXX, there was a JPMCB credit card opened under my name that I did not open. Some time after the card was opened, the card accumulated debt and eventually my XXXX credit score dropped, which is how I found out about the fraudulent card. 

I traveled from XXXX XXXX to XXXX XXXX and during that time I did not follow up or investigate with Chase ( the card company ). 

In XXXX, I started reporting the issues to XXXX. Around XX/XX/XXXX, I contacted Chase fraud and they said they would open an investigation. Since then, I have not heard from Chase and my credit score is still low and the XXXX site still lists the card as having debt under my name.
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

My student loan is in foreberaance and all the Covid problems. Why is this hurting my credit score so bad. I have credit cards I have payed on time for a year with my accounts. Please advise what to do next. My credit score just keeps dropping.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (TX)

I recently opened a Barclays ( Old Navy ) store card. My first statement balamce was XXXX of which I paid XXXX ( more than required ). The remainig balance was XXXX, including a XXXX finance charge on my new statement. I paid the remaining balance ( XXXX ) way before due date and I had a XXXX balance. On XX/XX/2023 I made a small purchase which reflected on my most recent statement with payment due date XX/XX/2023. I noticed on this statement a XXXX ... '' minimum charge '' not interest charge, but minimum charge on the statement. I reached out to Barclays for expalanations and I was told that the XXXX stemed from the original balance of XXXX which I have already paid off in 2 installment and with XXXX interest or finance charge. 

My question is this, is that legal or can they even do this at all, regardless of the term of use. Or, better, is that fair to consumers like myself to pay these types of charges on a credit card with XXXX ( XXXX balance? I am questioning this little amount of money now before I am charged much more later and unexpectedly. 
I look forward to your assistance in resolving this issues
Consumer complaint received 2023-04-13
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. (MS)

When I review my updated credit report in XXXX XXXX, I see that same accounts were inaccurate. The credit reporting agency is required to reinvestigate 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 below : XXXX XXXXXXXX Balance : {$33000.00}, XXXX XXXX XXXX Balance Owed : {$5300.00}, XXXX XXXX XXXXXXXX Balance Owed : {$6000.00}, XXXX XXXX XXXXXXXX Balance : {$1700.00}
Consumer complaint received 2023-11-04
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. (AL)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$220.00} ; XXXX  XXXX Balance Owed XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (MO)

on XX/XX/23 i contacted Chime because someone had tried to get into my account an take {$20.00} out of my account i contacted chime an they told me not to worry about it then on XX/XX/23 i received my first direct deposit of {$1500.00} an i received a alert that someone was literally trying to steal my money out of my account an could not accuse my account called chime an chime did nothing i was on the phone with chime as someone was in my accost taking my money i also have the document 's an photos showing that it was not me but chime accused me of stealing my own money i have several log in attempts an also other documentation as well
Consumer complaint received 2023-06-09
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-12-10
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Credit Systems International, Inc. (TX)

Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Credit Systems International Inc. and it is showing on my credit report without my consent. I have no contract with Credit Systems International Inc and have given no consent for them to use my name, likeness, or credit data. XXXX XXXX sold my personal information to this company. Without permissible purpose. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, XXXX XXXX clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.
Consumer complaint received 2023-03-17
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. (CA)

Experian 's investigation did not fix an error on my report. This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, XXXX XXXX clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (TX)

Violation of permissible purpose. Private source data contuies to be shared and obtained by partys thats have no authorization or written consent to have the information. And ciolated federal law by reporting transactions that are not part of credit transaction history. Some accounts have been validly removed and continued to report on other credit reporting agencies without proper validation and authorization to furnish the information
Consumer complaint received 2023-09-13
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. (TX)

Violation of permissible purpose. Private source data contuies to be shared and obtained by partys thats have no authorization or written consent to have the information. And ciolated federal law by reporting transactions that are not part of credit transaction history. Some accounts have been validly removed and continued to report on other credit reporting agencies without proper validation and authorization to furnish the information
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX