davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (CA)

We have been notified numerous times in the last year that our personal information was stolen in data breaches at several organizations. Hackers used that information to break into our Marcus Goldman Sachs accounts. On XX/XX/24, the hackers tried to remove {$3500.00} from a savings account. We were alerted and stopped the transaction immediately, and thought we totally froze our account. Marcus closed down our compromised savings accounts, but for some reason, not our XXXX. On XX/XX/24, the hackers somehow got back into our account, cashed out the XXXX, and again tried to remove {$3500.00} from the account ( the same account that had been closed the day before ). Again, we were alerted and stopped the transaction immediately. We subsequently found out the the hackers had changed contact information in a failed attempt to hide the theft. Marcus Goldman Sachs. Marcus restored the two {$3500.00} attempted withdrawals to our account. However, after 102 days and counting, Marcus has failed to restore the {$1900.00} plus interest for the fraudulent early withdrawal penalty. The company has benefitted from this identity theft by escaping from a 5.50 % interest XXXX  to only paying 4.4 % interest in a savings account, not to mention charging a bogus fee on top of it. The customer service has been atrocious. So far, XXXX phone calls, over XXXX hours on the phone... Promise after promise, yet no progress. Our refund is " in progress '' or " awaiting final approval '' or " approved, but waiting final sign off by compliance ''. Every call is a well meaning, polite, but poorly empowered representative who can't do anything. This seems like a system wide scheme to delay delay delay. Their security policies are not sufficient, and their customer service is terrible. Don't be fooled- a manager will not call you, your refund isnt in progress, and your accounts might not actually be protected even though they tell you they froze them.
Consumer complaint received 2022-07-23
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. (VA)

All three credit Bureaus never did a proper INVESTIGATION according to the FCRA The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character. General reputation. Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this : - Also they have violated my rights even more.

In accordance with the fair credit Reporting everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but now is that possible if the open and close date, last active, payment and report date is inaccurate, even the 3 credit bureaus have different information about my date of birth, address and employer. This is ground for removal.

They also violated the law because according to 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 writtan instructions. 

I did not give anybody writtan instructions.
Consumer complaint received 2018-05-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX. After verifying that that XXXX was misreporting my dispute I sent through CFPB with XXXX XXXX accounts as fraud, I contacted Equifax to see if the complaint sent to them as mislabeled as fraud as well. The representative verified the XXXX dispute was labeled as fraud. I contacted CFPB and was told that the CFPB does not place labels on complaints & that they just forwards the complaint. Equifax labeling the compliant as fraud is inaccurate because : 1 ) Reference CFBP complaint # XXXX, I said that XXXX XXXX was fraudulently reporting that they have possession of my student loans. They sold my loans to another servicer in XX/XX/XXXX and did not have possession since. I was implying that the 3 credit bureaus knew this fact and allowed them to continuously report to them. Thus not properly verifying the information. I stated in lamens terms that the reporting is inaccurate not fraudulent. 2 ) I also found out that Equifax placed a fraud alert on my account without my expressed written permission through notification in the mail. 3 ) Equifax most likely was notified by XXXX about an account that I disputed as Fraudulent on my XXXX credit report, weeks ago. 4 ) When I logged in to find who was my servicer of my loan previously, it was not XXXX. It was XXXX, who is the US Department of Education 's default resolution group. 5 ) I have recently consolidated my student loans and another servicer that's not XXXX has possession of the loans currently.
Consumer complaint received 2022-07-23
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. (VA)

All three credit Bureaus never did a proper INVESTIGATION according to the FCRA The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character. General reputation. Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this : - Also they have violated my rights even more.

In accordance with the fair credit Reporting everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but now is that possible if the open and close date, last active, payment and report date is inaccurate, even the 3 credit bureaus have different information about my date of birth, address and employer. This is ground for removal. 

They also violated the law because according to 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 writtan instructions. 

I did not give anybody writtan instructions.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CT)

This is my 2nd complaint with the company and for the same issue - the first one was resolved satisfactorily but they have made the same error again.

I recently used a promotional check with a 0 % rate for 12 months. The charge appears on the statement with a 24.99 % rate, which is the after-promo rate. I called them and they said that the promo rate was 24.99 %, which is again not correct.

I am asking the to correct their mistake and honor the 0 % rate for 12-months that was promoted on the check that was used.
Consumer complaint received 2022-07-23
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: Rent Recovery Solutions (GA)

The Credit Agencies never did a proper ''investigation '' according to the FCRA XXXX 

The term investigative consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with who he is acquainted with or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more in accordance with the fair reporting act everything has to be 100 % accurate on my credit report. 

The credit agency stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. which is grounds for removal. 
They also violated the law, because according to, 15U.S.C.1681 section 602 A states that I have the right to privacy.

15U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent or instructions. 
i didn't give anyone written consent or instructions.
Consumer complaint received 2020-07-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I received a notification from XXXX that my credit rating took a dip a rather big debt because it was reported I had not paid my mortgage. The email I got from XXXX stated that this was posted in TransUnion. I contacted TransUnion. They told me my mortgage lender XXXX XXXX   notified them delinquent on the payment. I contacted XXXX XXXX. They sent me copies of everything they sent to all of the reporting agencies.. It never showed me is being delinquent on a payment. Trans Union has informed me that I should Contact XXXX XXXX  again. With Trans Union has failed to note was that my bank reported to Trans Union in XXXX that the mortgage was paid. Your Trans Union went public in early XXXX that I was delinquent. XXXX XXXX  they never sent anything in late XXXX or early XXXX to any other reporting agencies. Only Trans Union has reported me delinquent. The bank reports to all for reporting agencies at the exact Same time with the same report. I will ask again for proof from TransUnion that they actually receive something from XXXX XXXX. They have never responded to my request for proof that they receive something from XXXX XXXX.
Consumer complaint received 2019-08-30
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 continually wrote Equifax about accounts on my credit report that I wanted investigated.i have sent two letters to Equifax requesting documentation showing that the accounts that are in question belong to me.equifax has responded by sending me copies of my credit report showing the investigation is closed and deeming the accounts have been verified but have not came forward with any proof or furnished the documents that onjave a legal right to request ... Equifax is erroneously reporting things on my credit report which is illegal.they have not proved the account are mine..they are parroting information from the credit agency.equifax is intentionally violating laws in order to negatively report things on my Credit ... the mentioned account is XXXX XXXX XXXX
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (MN)

I was notified of the debt of a substantially old account related to Television Service. I disputed the account directly with the agency within 30 days of the original notice of the debt with the agency. I requested verification and validation as required under the FDCPA. The company failed to respond to the request or validate the debt as required and requested. The debt has been reported to the credit bureau and has not been reported or or acknowledged as in dispute.
Consumer complaint received 2020-07-31
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. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT EDXXXX, DEPT OF ED/XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX 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 2020-07-31
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. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT EDXXXX, DEPT OF ED/XXXX XXXX XXXX XXXX, U S DEPT OF ED/XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I completed an application for XXXX loan in XXXX XXXX. XXXX offers loans to federal/government employees to assist when needed. Loan # XXXX, was scheduled with the payroll allotment of $ XXXXbiweekly automatically deducted from my check starting XX/XX/XXXX. The agent listed on my application at the time is XXXX XXXX. 

I have worked with my employer since XXXX, however didnt become perm until XX/XX/XXXX during a shutdown. Per my loan app, loan amount : {$3500.00}, w/ 67 pymnts including finance charges total {$5200.00}. 

I like XXXX overall, the customer service is attentive, my account information looks accurate whenever I log into their website. However, when Im checking XXXX, XXXX or XXXX the information doesnt match. They have different information reported. While my balance is being reported that its only decreasing {$20.00} sporatically. 

In the attachment, I am eligible for refinance. I have paid the majority of the loan back already, therefore I do not owe a balance of anywhere near {$3000.00}. I have missed pymnts due to shutdowns & layoffs. Still the information is not correct. 

Transunion : Reported amt {$3300.00} w/ a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 monthXXXX XXXX : Reported amt {$3400.00} w/a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 months XXXX : Reported amt NONE LISTEDw/ a balance of {$3000.00}, Monthly pymnt : NONE LISTED, Opened : XXXX, Term : 54 months
Consumer complaint received 2018-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

I applied for and received a lower monthly payment amount under the REPAYE program. I have been making regular payments and receive ALL my bills and correspondence online via email. However, this month I went into my online account and the monthly amount due was now 5x more than usual and it said my REPAYE had expired. I received zero email  notices regarding reapplying for this program. 

I checked all over my online account, digging into any documents I could find, and found a notice from XXXX saying I needed to repply. This was never emailed to me and I received no notice saying I needed to reapply or I would have promptly done so. 

I feel that Navient should communicate this to me via email or in paper as they do with all my other communication or billing notices. I searched my email account and junk folder for the date this e-notice was sent and received nothing on my side. I would NOT have overlooked this and would have promptly reapplied.I reapplied at the beginning of XXXX when it became apparent that something was wrong and had changed. 

Now - 10 days past when I normally pay my student loan, they say I am TWO months behind. And have a bill of close to {$2300.00}.
Consumer complaint received 2022-08-17
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account XXXX has violated my rights -- see USC references below XXXX ( Client account number is XXXX. ) 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A, Section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. 

Therefore, XXXX XXXX XXXX XXXX has violated my right to privacy by furnish my account info without my written instructions and consent. 

Thank you. 
XXXX XXXX XXXX email : XXXX XXXX
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (NC)

Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address.

I have included the following information : Copy of my photo ID Proof of current address Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. 


Under the Fair Credit Reporting Act, you have 30 daysto resolve a dispute. If the item can not be verified by the creditor within the time frame, it MUST BE be removed from the report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

SEVERAL times I have disputed a collection on my TransUnion report. The same one that XXXX and XXXX already removed because it was due to identity theft. TransUnion REFUSES to remove it from my credit report somehow verifying it after I showed emails that I sent in regard to it being fraud etc!
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (TX)

I opened a business banking account with XXXX in XX/XX/2020. I received a SBA loan and was approved. They asked me to see a copy of my original loan application from a 3rd party. I provided my signed disclosures for the loan as it was approved they returned my funds back to SBA without my consent. When I reached out to the bank I have not received a response. They discriminated against me. I told them I have never heard received a call from XXXX bank until my funds were deposited. They told me they thought it was fraud. When I provided my documents they still wired my money back without a explanation. I informed them my information has been confirmed through SBA. I am not requesting any products from them why are they asking me for my taxes and what do they intend to do with it. No response.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital One sent me an email encouraging me to apply for one of their cards. I applied and was given a {$300.00} credit limit. I have used the card heavily to take advantage of the rewards. With only a {$300.00} limit, Ive had to make frequent payments to continue use. At first, it was great. Id make a payment and the available credit would adjust immediately. After a couple weeks of use, my account was flagged for fraud. I had to send proof that it was my checking account that I was making the payments out of. I followed their instructions and the fraud flag was removed. Just a few days later, I noticed that my available credit was still not updating after making payments. I called today, XX/XX/22, and was told that the system had now put a hold on my payment for 26 days until the payment clears. The payment fully cleared and posted to my account three days ago. Keep in mind, Ive never had a returned payment. The first Capital One Rep I spoke with gave me a list of things to avoid to help prevent the system from doing this. I havent done any of those things to cause the system to flag my account. It is my perception and belief at this point that I am being targeted or discriminated against by Capital One or the system because I have a lower credit score which has put me in a high risk category in the system. I believe that Capital One or the system believes that because of my current score, and my high usage, that I am a fraud and not capable of the high usage and payments Ive been processing even though I make a {$190000.00} annual income. How often is this happening to other Capital One customers? What are their profiles? Is this happening to other customers with credit scores in the 750 to 800 range? Or only customers with lower credit scores that Capital One believes are frauds like myself? If other customers are truly being treated the way I am, customer retention would be XXXX. Why am I being targeted and made to feel like Im a fraud?