davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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: GOLDMAN SACHS BANK USA (GA)

I am writing to file a complaint against Goldman Sachs for unjustly denying my recent claim for fraudulent charges on my credit card account ending in XXXX. Despite providing substantial evidence of the fraudulent transactions to both the bank and the XXXX Police Department, Goldman Sachs denied my claim, citing that the card was used with the chip and/or PIN entered, and thus implying that I was responsible for the charges. 
The fraudulent transactions occurred on XX/XX/2023, and I reported them to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ). The total amount of the unauthorized charges on this account is {$1700.00}. A detailed list of these transactions has already been submitted to the XXXX Police Department for investigation. 

According to the Fair Credit Billing Act ( FCBA ), I am protected from liability for unauthorized charges on my credit card account. The FCBA limits my liability to {$50.00} for unauthorized charges, and many credit card issuers, including Goldman Sachs, have a zero-liability policy for fraudulent charges. Despite this legal protection, Goldman Sachs denied my claim and decided to remove the temporary credits applied to my account. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust denial of my claim by Goldman Sachs. I believe that the bank 's decision to hold me responsible for the fraudulent charges, despite the evidence provided, is in violation of the FCBA and the zero-liability policy.

Please find the attached documents for your reference. I am willing to provide any additional information or evidence required to support my complaint. 

Thank you for your attention to this matter.
Consumer complaint received 2023-09-04
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. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these items ASAP.
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. (NY)

As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-11-10
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. (CA)

On XX/XX/XXXX I filed a dispute in the Equifax website about my credit report. In their report they were duplicating my student loan balances that have been transferred from XXXX XXXX to XXXX  XXXX  ( on XX/XX/XXXX ) and subsequently were transferred from XXXX XXXX to XXXX ( on XX/XX/XXXX ) by the Department of Education. 

My credit report with Equifax shows I have double the amount of student loans : the actual open accounts and balances with XXXX ( reported correctly ) plus duplicating the same loans as open and with the corresponding balances with XXXX  XXXX. Reporting my student loan accounts with XXXX  XXXX as open with the original balances instead of {$0.00} balance and that they had been closed and transferred as XX/XX/XXXX is clearly a reporting error. Equifax contacted me with the results on XX/XX/XXXX stating that the status of open and the corresponding balances with XXXX XXXX were correct after they carried out their investigation. 

It is impossible that XXXX  XXXX reports that I still have open student loan accounts with them and their corresponding balances. All my student loans were paid off and transferred to XXXX on XX/XX/XXXX as demonstrated by the letter from XXXX  I enclosed in my complaint with Equifax and that I am enclosing for this complaint with CPFB too.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2015-10-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I was approved for Mortgage Modification by Nationstar Mortgage. This approval allowed me to seek a short sale or possibly pursue deed in lieu. I then found a buyer for the short sale. The short sale was eventually approved and we were moving towards an appraisal and requesting a title. That process took 10 months and literally dozens of emails, phone calls, attachments, etc. I went through XXXX realtors just to make it happen. Then I got this message from the bank : " There is a sale date on XXXX/XXXX/2015. The inspection is set for XXXX. there is no way to postpone the sale date so we will remove this file due to not having sufficient time to complete the short sale. 
The short sale transaction on property located at XXXX XXXX XXXX XXXX, XXXX TX XXXX has been cancelled by the seller. " In other words I believe that they stalled this process long enough to where they eventually had to approve the short sale, only to schedule the foreclosure auction before they allowed it to go through. I truly do not believe they ever had any intention of allowing Loan Modification ( required by the Dodd-Frank law ) to take place. I have multiple witnesses and dozens of emails which reveal either their ineptitude or their intention to deceive me through this process. As a result my house is being foreclosed on and I am being left out in the cold for 7 years of bad finance, despite the fact that I qualify for government relief.
Consumer complaint received 2022-11-10
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. (RI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ACCOUNT # : **** 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 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.
Consumer complaint received 2022-11-10
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. (FL)

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. 
XXXX XXXX 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 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.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I contacted Bayview Loan Servicing for the COVID 19 forebearnce plan under the CARES ACT. It is XXXX, and I am shocked to see my credit report, which they marked the LAST 6 PAYMENTS as late payments. It is my understanding that under the cares ACT, no payments are to be marked as late, that I should not have any negative credit reporting. XXXX  This is appaling. I can not do anything with my loans now that they did this. They must immediately correct all this late reporting.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2023, I deposited three checks drawn on other domestic financial institutions totaling {$2200.00} in person to a teller at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC during normal branch hours. 

The checks posted to my account and Chase made available {$200.00} of the deposit on the same day. Pursuant to Regulation CC, Chase should have made an additional {$25.00} ( for a total of {$220.00} of the deposit ) available on XX/XX/2023 to comply with the next-day availability rule. Then, Chase should have made the entire remaining amount available on XX/XX/2023, to comply with 229.12 ( b ) ( 1 ). 

However, Chase has instead failed to make any more of the remaining {$2000.00} available. At the time of deposit, the teller informed me that the bank may take " up to XX/XX/2023 '' to make this amount available. Several reasons for an " exception hold '' are provided in Reg CC that would allow this, but I do not believe that any of them apply to this deposit. 

My account has existed for more than 30 days, so it is not a new account. Nor was this a large deposit, as the aggregate check deposit for the entire day was less than {$5500.00}. My account has never been overdrawn at any bank, and I do not have any outstanding liabilities to Chase. None of the checks were redeposited, and no emergency conditions appear to have existed. 

The only remaining exception would require that Chase have relied on the " existence of facts that would cause a well-grounded belief in the mind of a reasonable person '' that the check would be returned unpaid by the drawer 's bank. Upon information and belief, the drawer of the {$2000.00} check maintains an account in good standing with the paying bank, has never overdrawn an account with any bank, and did not write a bad check. Therefore, I do not believe that Chase possessed such evidence. 

Moreover, even if an exception did apply, Chase did not specifically state which exception is used for the hold as required by regulation, nor the specific evidence used in this case to make a determination of reasonable cause to doubt collectibility, if that was the exception relied on.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

FOR EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR TRANSUNION XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-10
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. (GA)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and i did not give equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I receive XXXX from Social Security for XXXX. SSA assigned me to the XXXX Wednesday of the month, making me late on my mortgage payment all but 2 months of the year. I have called the Social Security Administration and they refuse to change it. Nationstar, my mortgagor refuses to help me. I am fined {$22.00}. extra each month because the payment is late. After I pay my bills, I have {$140.00} leftover. I can not afford late payment fees because of SSA assigning me to a week of the month that makes me pay my bills late. All other creditors understand and do not charge a late fee. Just Nationstar.
Consumer complaint received 2023-06-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

Ive been paying Freedom mortgage for the last 2 years never been late or missed. 
Ive been paying the same acct number for over 2 years as the documentation shows. 
On XX/XX/2023 my bank ( XXXX ) wired {$1000.00} to freedom mortgage, it was processed as it had been for two years, Freedom mortgage held my payment and decided my payment to that account # was wrong and returned it to the bank 13 days later. I was not notified at all. I unfortunately came down with XXXX  at this time and wasnt as sharp as I could have been. 
But no phone call or text to let me know that they were no longer excepting my payment to the account # that I had been sending it to. 
As soon as I realized the problem, I paid XX/XX/2023 and XX/XX/2023 payment. 
I talked to 2-3 customer service agents and was actually told I was lucky that freedom didnt go back 2 years to charge me late fees for 24 months. They were not helpful at all.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  Illegally furnished my private consumer information to consumer reporting agencies without my written consent and also sold my consumer information without my consent to a third party debt collector
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS