davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Checking or savings account — Savings account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA (DE)

I got a letter dated XX/XX/2024 notifying me a third party attempted to get information or access my accounts in the letter it says to get more information please call us but unable to get information in regards to the third party who it is and what happened so I need more information please as soon as possible would also like this in writing to me as soon as possible as well as by phone also thank you for your assistance in this matter.
Consumer complaint received 2022-10-23
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. (WI)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Balance : {$14000.00}, XXXX. XXXX, XXXX ), XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ). XXXX XXXX  ( Date OpenedXXXXXXXX  XXXX, XXXX, Balance : {$22000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00} ), XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$560.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, 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)

I am writing to dispute the following information on my credit Report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies listed in my pdf
Consumer complaint received 2023-06-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (TX)

I have contacted Money LionXXXX XXXX for the past two weeks. 
They attempted debit withdrawals daily on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23. I revoked my authorization for checking and debit, but Money Lion continues, even though they acknowledged my request and advised authorization had been revoked. In addition, they informed me of a {$200.00} loan, I never received it, but Moneylion states it is tied it to some type of membership. I have email communication and I called them as well, but they continue to submit these debits. 

I have made numerous payments to Moneylion, but they are adding charges and fees for funds not received nor memberships I signed up for with Moneylion.
Consumer complaint received 2023-08-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC. (GA)

Enova is the parent company of XXXX XXXX. Enova has allowed XXXX to run a rogue operation to destroy small businesses and owners by piercing the corporate veil to harass business owners and release private information to other financial institutions in an attempt keep company bound to their predatory loans. The company showed patterns of racism by attacking me as a XXXX business owners despite having paid 100 % previous loan. 
We have been a faithful and on time paying customer for over two years. We wanted to leverage our relationship with XXXX by moving our payments from Weekly to Monthly based on our great payment history. Our vendor started paying us at XXXX days in XXXX so we wanted to move to monthly. We communicated that this remaining amount would be paid off by the end of XXXX or XXXX based on a lump sum payment that we are due to receive by the end of XXXX. I had spoken with XXXXSupervisor so she told me that this would not hurt my credit and breach the agreement if we changed from weekly to monthly payments. XXXX suggested that we reduced the payments temporarily so that would not impact our credit history and additional funding for our upcoming contract. We agreed to this amount which was only reduced by XXXX. I have spoken to my bank today so the banker communicated to me that XXXX told them that my account was late for one reduced payment last week. This company operated in bad faith since no one including XXXX or any other representative state that this would be late or report badly on my account. Nor does the email attached communicates this. This was not any savings to my account. We believe this was tortious interference since the bank was going to pay this off which would reduce the amount of revenue that this company could gouge from me based on interest and payments. This company has no integrity or morals. XXXX was not honest today with her statements that I was told this account would be late. I was told today by another rep that my account was current. That is not true. They gave slanderous information. I have asked that my account be shut down immediately due to breach of trust and fiduciary duty as a financial institution. I have the emails and my record of payments attached. Also, this was a violations of privacy. This company has since retaliated by threatening to sue my company. This company has placed derogatory information on my personal credit,
Consumer complaint received 2022-10-18
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX 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 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 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (AZ)

XX/XX/23 I called US Bank to notify them I had lost 4 checks. The representative stopped payment on a check amount as opposed to closing my account per policy. They allowed a check to clear on XX/XX/23 for {$6500.00}. I called back in and started a process of fraud. They acknowledged the original representative did not follow procedure and said they would apply provisional credit for {$6500.00} while its investigated. Never received credit. I was evicted due to this issue and forced to live in my car with my children. A back office supervisor got involved and stated they would either credit my account, allow my to overdraw my account, or provide an interest free loan. None happened. I was homeless. Contacted US Bank almost daily since. Still no resolution after several broken promises. Still have not received credit for their error even after it was acknowledged. US Bank closed accounts and cancelled debit cards on several occasions, without notification and left me with no access to my funds. Im told constantly to be patient and the longest it would take is 90 days per policy. Past 90 days. No resolution. No further help. Hung up on XXXX times since XXXX. I need help. I have documented all correspondence with US Bank since they allowed my check to clear. This acknowledged error by US Bank has caused financial devastation and severe health problems from stress by broken promises and negligence.
Consumer complaint received 2021-02-20
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. (OH)

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have fail to comply within the 30 day statute of limitations.
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. (IL)

On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXX XXXX account number is XXXX. In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA (WA)

Apple Card by Goldman is sending my financial data and statements to the wrong email address I do not possess and is unwilling and unable to 1 ) Change the email address to the correct email address OR 2 ) Stop sending my data to the wrong email address.
Consumer complaint received 2022-10-18
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. (CO)

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. 

Accounts : XXXX XXXX # XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* 15 USC 1681 section 602A which states that I have the right to privacy 15 USC 1681 section 604A states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-03-03
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. (FL)

I have provided my ID social and a bill confirming myself. Equifax sent a notice stating they needed this information. I have uploaded the information and mailed it to Equifax. I am attaching the information again because I have uploaded to Equifax and to the CFPB and mailed it to Equifax. Why is the information still showing?
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the XXXX XXXX XXXX and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the XXXX Web Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized XXXX Inquiries.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I am writing with respect to an unauthorized fraudulent charge on my Chase Sapphire credit card ending in XXXX ( formerly account ending in XXXX ). 

On or about XX/XX/2023, I was traveling to XXXX, XXXX and unbeknownst to me a taxi driver made an unauthorized charge on this account in the sum of {$5100.00}. Both myself and my traveling partner XXXX XXXX XXXX discovered that we were charged the same amount. Both our credit cards cards were scanned illegally by a taxi driver while we had them out of our wallets so the driver could see if they would work to pay a {$60.00} cab fare. None of our credit cards would work so I went to an ATM and withdraw enough XXXX XXXX  to pay the taxi driver in cash. Shortly after the taxi cab driver left, we both received notifications on our phones. I received a message from XXXX XXXX that there was a charge on it by XXXX XXXX XXXX for {$5100.00}. I contacted XXXX XXXX and they immediately reversed this fraudulent charge. I then checked my Chase Sapphire card and the very same amount of {$5100.00} by the same company had been placed on my Chase credit card ending in XXXX. I contacted Chase and was told that this would be resolved immediately. 

On XX/XX/2023 I received a letter from Chase stating they reversed this credit and that the transaction is valid. In addition to me being charged this fraudulent charge by XXXX XXXX XXXX in the amount of {$5100.00}, XXXX XXXX also had this exact same charge on his Chase Sapphire credit card. As a result, this fraudulent charge was made XXXX times on XXXX different cards, XXXX of which are Chase Sapphire credit cards. It is my understanding that Chase has reversed XXXX XXXX fraudulent charge, but they have not reversed the fraudulent charge on my Chase Sapphire credit card. I never authorized this transaction, nor was it authorized by anyone who was an authorized user of this account. Although I still had the credit card in my possession, the credit card number was fraudulently absconded by the taxi driver in XXXX. On XX/XX/2023 I received a letter from Chase asking me to complete a Dispute Report Form. This Dispute Report Form was completed and sent to Chase on XX/XX/2023. Then on XX/XX/2023 I received a letter from Chase stating that " the transactions you disputed are valid. '' My late wife and I were Chase private client members and after my wife passed away, I have continued to maintain my elite member status with Chase. In the meantime, I have paid the minimum monthly payments on this credit card. 


I am hereby asking for your assistance in getting Chase to reverse this fraudulent charge to my credit card immediately.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (AZ)

I have contacted navy federal credit union faxed all documents as proof Im a victim of identity theft and fraud. Lease, police report, federal trade commission report. I have fraud credit card charges that were not investigated the initial time around and was reversed back into my account stating due to my spending habits.A letter was sent says I could appeal and I did. WAs advised not time frame for an appeal resolution, this is negatively reporting on all 3 of my credit reports when its fraud and identity theft
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have sent numerous letters to credit bureaus asking for method of verification of items disputed and they have failed to send to me. Your reporting I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned disputes. 

XXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/2019 {$37000.00} This account is reporting inaccurate information and amount I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate errors. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n 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 furnish a account without my written instructions
Consumer complaint received 2018-12-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I currently have student loans through Navient. I have been struggling for years to try in lower my interest payments and also try to get income based payment arrangements. I currently live pay check to pay. I get roughly XXXX/bi weekly and they want my repayment to be over 1,200/monthly. No matter how many times try to send them my monthly expenses and what I have left ; sometimes not even enough money to buy groceries. With my monthly expenses and bills I roughly have about XXXX left for gas, groceries, personal hygiene ect.. I have been told by them to sell my car, walk to work, etc..They will only allow me to set up payment online/calling them by credit card or my checking account. I have never been giving the option to send a money order from my bank. As an educated individual trying to pay back student loans with what money I have left, I continue to get harassed by many many nasty phone calls from Navient along with my family members. Please help me to get a solution resolved with Navient and a less stressful loan lender willing to work with me based on my finances.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My birthdate is incorrect on my Equifax but correct on XXXX and XXXX. It states XX/XX/XXXX when it is XX/XX/XXXX. I sent my Drivers ID for proof. Its been over 30 days since I put in this request.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (TX)

After sending complaints here in CFPB these negative items are still reporting and my complaints have never been resolved. I do not have any idea regarding these fraudulent accounts on my credit report. Remove these fraudulent accounts that do not belong to me from my credit report. These accounts are not mine.
Consumer complaint received 2018-12-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

On XX/XX/XXXX two of my family members were contacted by XXXX XXXX to inform me that I should be home to sign for a package on XX/XX/XXXX The packeage was to arrive in between XXXX XXXX  and XXXX. ( No package arrived ) I got the number that they left with my brother, so I called. I talked to a XXXX XXXX. He said that my outstanding debt from HSBC bank is going to be taken to court and I was being sued in a few days if I don't settle. This debt, which I do not recall ; is supposedly from XXXX. The total is {$2800.00} with late fees and other charges. The original debt supposedly was XXXX. They said I could file for hardship and pay less then what the original amount due. I did not pay or agree to pay anything. I told him I wanted to investigate this matter further. Mr. XXXX said I had to the end of Thursday XX/XX/XXXX to get back in touch with him or the suit will be filed. I feel this is a scam and had a similar call from a company in the beginning of XXXX for the same HSBC bank in wich I paid over {$700.00} to clear. I also feel this was a scam by a different scammer.
Consumer complaint received 2023-05-29
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX