davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
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 (DC)

On XX/XX/, I called Apple Card at Goldman Sachs regarding my concerns. I was referred to the XXXX XXXX XXXX XXXX. I called both XXXX and XXXX, which, for your reference, are listed at https : //www.goldmansachs.com/our-firm/locations.html. The agents answering the phone were clueless and ultimately transferred me to the New York switchboard. The New York switchboard took down my name and number and passed my information along to the Apple Card corporate office for call back. No callback has been received from them thus far. 

On XX/XX/, I chatted in to Apple Card at Goldman Sachs 's XXXX customer service line. The agent was unable to open my PDF document containing the letter and evidence requested. *Per the agent 's request*, I sent in individualized images of the PDF document through the chat. The following messages were incessantly spammed to my phone by the Goldman Sachs 's system : " Sorry but an error occurred while sending the file. Please try again. '' and " We can not complete your request at this time. Try again a little later. '' These large volume of messages harassed me during my work day and also suggest that Goldman Sachs 's customer service system is dysfunctional, inhibiting consumer 's ability to exercise their rights under the Fair Credit Billing Act, or XXXX.
Consumer complaint received 2023-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (DC)

upon reviewing my credit file on XX/XX/2023 I noticed this Collection account that appeared on my credit file that's the result of fraud and identity theft I continued to reach out to the company so they may investigate this collection account and remove it from my file as of date no one has reached back to me I have never done business with this company
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my several complaints 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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: Self Financial Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 fumnish a account without my written instructions 15 U.S.C 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
Consumer complaint received 2023-12-22
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-22
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. (MO)

XXXX XXXX XXXX  XXXX it has reported my account information as late for XXXX & XXXX of 2021 under 15 U.S. Code 1681a - Definitions ; rules of construction. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTION or EXPERIENCES between the CONSUMER and the PERSON making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons ; XXXX XXXX located at XXXX : XXXX Congress has conspicuously disclosed what information should be excluded from a Consumer Report. The Consumer Reporting Agencies are in violation
Consumer complaint received 2023-06-04
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. (TN)

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 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.

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. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Are reported inaccurately
Consumer complaint received 2023-05-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Nothing happened and CFPB side with the bank and closed out my complaint What happens now? 
You dont need to do anything else. The complaint process is complete. 

We have taken the following additional actions on your complaint : We added your complaint to our Consumer Complaint Database Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share feedback with the company. 
We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. 
We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and to other consumers who may have the same issues and concerns.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I submitted a request to Mr. Cooper to remove my hazard insurance from escrow account. I received response from Mr. Cooper denying my request. According to letter I received dated XX/XX/XXXX, they are saying reason my request was denied because of late mortgage payments between XX/XX/XXXX and XX/XX/XXXX. THIS IS NOT TRUE. I WAS NEVER LATE WITH ANY MORTGAGE PAYMENTS SINCE BUYING MY HOUSE IN XX/XX/XXXX. During this time period XX/XX/XXXX to XX/XX/XXXX I was under trial period mortgage payments which was a reduced amount  payment. This was a PREREQUISITE FOR QUALIFYING FOR A LOAN MODIFICATION. I was told by the mortgage specialist that this trial period payment " WOULD NOT HAVE A NEGATIVE IMPACT TO MY REGULAR MORTGAGE PAYMENT ''. Because of the problems I am currently experiencing and difficult time I am having to resolve them, the information told to me from the mortgage specialist was NOT CORRECT. I submitted complaint to CFPB ( XXXX ) explaining problems I am currently going through as result of my hazard insurance being added back to escrow. This was added with no communication to me. Since I never approved loan modification and loan modification was rejected hazard insurance should never been added to escrow. Because of incorrect reporting of me being late in mortgage payments, is preventing them to fix my escrow account. All my trial period payments from XX/XX/XXXX to XX/XX/XXXX were paid on time.
Consumer complaint received 2022-12-22
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. (MO)

XXXX XXXX XXXX  XXXX it has reported my account information as late for XXXX & XXXX of 2021 under 15 U.S. Code 1681a - Definitions ; rules of construction. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTION or EXPERIENCES between the CONSUMER and the PERSON making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons ; XXXX XXXX located at XXXX : XXXX Congress has conspicuously disclosed what information should be excluded from a Consumer Report. The Consumer Reporting Agencies are in violation
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (GA)

American Express the interest and payment from one month to the other in XXXX when I became unemployed for 7 months. They tried to take to court because they were asking XXXX first and then XXXX  monthly when my payment was XXXX dollars monthly. I negotiated a payment arrangement through XXXX XXXX XXXX for XXXX dollars and American Express accepted it on XX/XX/XXXX. They have been receiving monthly payments and are reporting to the credit bureaus payed as agreed. I have disputed this recently and American Express keeps adding past due high amounts and XXXX payments. This goes against the Fair Credit Reporting Consumer law. I am a single mother with a XXXX XXXX   daughter. Stop the abuse and report accurately.
Consumer complaint received 2023-12-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (VT)

I recently received a bill for an unpaid balance on a student loan that I do not believe I ever took out. I communicated with the creditor and, after some difficulty, was told that they were collecting for another company. The information they had correctly identified my XXXXXXXX XXXX  name, the last four digits of her Social Security number and the institution where she earned her degree. This debt has now also appeared on my credit report. The credit report shows a history of payments but, these are not payments that I ever made. I have no recollection of this debt and I can find no records of it. Apparently the debt was taken out in XXXX  but we have not previously received any bills from this company or from the place they claim originated the loan. I have asked for verification of this debt but I have not received any.

If I took this debt on and have forgotten about it, I'll pay it but I have yet to see any proof that I ever did.
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

This is a review below that spells out my complaint. Apologies as I was annoyed when I wrote it .... 

Unbelievably bad customer service. I'm a XXXX XXXX and have been around for XXXX XXXX and I thought I'd seen it all. Pennymac provided me with a forbearance on my mortgage for 3 months during Hurricane Ian. My house flooded and I spent {$30000.00} in repair work so it was a relief to be able to hold off on mortgage payments. When I first spoke with a rep about the forbearance it was my understanding that I could repay the missed payments over time. After the 3 months forbearance, I called to find out what my payments would be and the term. Basically what I got was a debt collection spiel and the runaround and someone was supposed to call me back. Never happened so I called again after 3 weeks and same collection spiel and I was told I needed to pay all 3 months back immediately. I asked to pay it over 6 months which would be a payment and a half each month and was told no. WHY ON EARTH WOULD I HAVE A FORBEARANCE IF I HAD TO PAY IT BACK RIGHT AWAY. THAT DOESN'T HELP AT ALL. They finally presented me with a 3 month option which I accepted but still puts me in a tough spot to come up with double payments each month. XXXX heartless! 

I just wanted to pay it back over 6 months. That's all. I've been a customer of theirs for 8 years now.
Consumer complaint received 2022-12-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

adding to my complaint - Complaint Number XXXX I have asked that all Medical Reported Debt be removed from my credit report - Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. 

Such as XXXX XXXX XXXX for {$1200.00} XXXX XXXX XXXX for {$9100.00} Also All student Loans - Related to XXXX XXXX need to be removed as well ( See Letter attached )
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (NJ)

On XX/XX/2022, I XXXX XXXX initiated a full payment towards my secured credit card from self inc. In the Amount of {$3500.00}. Shortly following the full payment I received an email from self inc warning me I have 15 days to provide verification and a bank statement or my account will be closed. I urgently uploaded the documents they requested shortly after they closed my account with no information or notice. They held my security deposit after sending an email stating it would be released in 15 days and electronically sent to my linked bank account. Well, that never happened its been almost 2 months, and my security deposit of {$3000.00} is being held by self for 2 months and is now causing me hardship. they are illegally holding my funds with no answer. stating they can not release anything until the review is finished. And have no timeline for this I have attached all information and correspondents on the communication done with self below. I am requesting the funds that are entitled to me under us law be released to me with no further questions. I also believe the bank intentionally and maliciously committed fraud by waiting for me to pay the credit card in full to then hold my deposit and close my account.
Consumer complaint received 2022-12-22
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. (CA)

On XX/XX/2022, I filed a dispute with TransUnion due to a collection is showing erroneous data on my credit report. The account was paid. The amount and status showing on the collection account is incorrect. The account is with XXXX. I also noted that the other credit reporting agencies do not show the account on them as a collection account. Furthermore, my credit reports has a lot of erroneous data that I have asked for TransUnion to delete several times. I can not understand why they would want to report incorrect information. Especially, when I, the consumer, ask for the credit file to be updated with accurate information. Please help! I just dont know what to do with this company. My credit score is drastically different from the other two reporting agencies. I am finding it weird. I hate to play the discriminatory card but it sadly starting to look that way.
Consumer complaint received 2022-12-22
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. (UT)

Someone is using pieces of my personal information on their credit report. The result is relentless and continuous calls from telemarketers for the incorrect person. On XX/XX/2022 alone, I received more than XXXX calls within the first XXXX hours of the day.
Consumer complaint received 2024-03-09
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. (GA)

XXXXXXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXXXXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-12-22
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. (IA)

I have a secured credit account eith XXXX XXXX XXXX. I always keep the set amount in the account. Infact my paycheck is deposited directly into it. They are reporting I owe {$4400.00} and it lowered my credit score. It is a checking account. I owe nothing.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # ending 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 my written instructions