davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (FL)

I currently have an apple credit card that is through Goldman Sachs, and it has come to my attention that they have been reporting my nonpublic personal information without my written and explicit assent and without giving me the option to opt out of having my information reported. Therefore they are in violation of my consumer rights under 15 USC 6801 & 6802, 15 USC 1681, 12 CFR 1016.7. The informations Goldman Sachs is reporting to other financial institutions are affecting my business in a negative way ; its causing me higher interest rates and credit denials, immense amount of stress which is also harming me on an emotional, physical and mental level even though Goldman Sachs is not allowed to take such adverse actions against me. According to GLBA 15 USC 6801, financial institutions shall establish standards " to protect against unauthorized access to or use of such record or information which could result in substantial harm or inconvenience to any customer. '' In addition, I was never given the opportunity to opt out of having any form of information from being reported and the FCRA and XXXX2 CFR 1016.7 explicitly instructs that a consumer should be given that opportunity to opt out of having their personal information from being disclosed to other financial institutions. The FTC definition of identity theft is when someone uses your personal information without your permission and by Goldman Sachs ' use of sharing my information and doing anything with my information with my consent they have committed Identity Theft. In opportunity to cure directly with Goldmans Sachs, the institution was notified of some the violations that they have committed against me on XX/XX/2024. Attached below is a copy of the notice. Unfortunately, after allowing Goldman Sachs/Apple few days to rectify the situation, no appropriate action has been taken. Goldmans Sachs reporting my credit card utilization, late payments, missed payments, or anything derogatory is private nonpublic information that I do not assent them for them to report and it harms me and violates my right as a consumer who has the right to conduct business daily. The unauthorized sharing of my personal information without my authorization compromises the integrity of this system. I want to also explicitly point out that Goldman Sachs has been disclosing the following information listed above to XXXX, XXXX, and XXXX without explicit approval and without giving me the option to opt out. Again, I am officially opting out of Goldman Sachs from reporting those information and want prohibit them from sharing those information without them receiving my written approval to do so. I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against Goldman Sachs Bank.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

Bank name : Wells Fargo Total transactions amounts : $ XXXX Date : XX/XX/XXXX Note : I do not have overdraft service and didn't sign up for overdraft service, but Wells Fargo is always in the habit of double posting past transactions and charging my account with fake overdraft fees for no reason. This is the fifth time Wells Fargo has double posted past transactions in my account and charged my account with fake overdraft fees and made me pay overdraft fees for something I had already paid for with sufficient funds in my checking. 

Transactions : Transaction : {$35.00} Overdraft fee on XX/XX/XXXX for a {$7.00} taxi ride I paid for with sufficient funds in my checking. 

Transaction : Wells Fargo debited my refund of {$43.00} ( credit ) from XXXX on XX/XX/XXXX. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$28.00} from my savings into my checking with sufficient funds in my savings. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$43.00} from my savings to my checking with sufficient funds in my savings.
Consumer complaint received 2018-04-10
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. (AL)

I am disputing the Inquiry on my Equifax credit report from XXXX on XX/XX/2017. On that day, I called XXXX to obtain pricing. The representative I spoke with kept pressuring me to sign up that day. I explained numerous times that I would not be signing up that day. He continued to pressure me, stating that if they ran my credit that day, I could be immediately signed up. I told him several times that I did not consent to this inquiry and finally hung up on him. He tried calling me back at least 3 times but I didn't answer. Within 5 minutes of hanging up, I received an alert that XXXX has posted an inquiry on my Equifax report. I immediately contacted XXXX to alert them and I received the attached letter from XXXX stating they agreed that the inquiry wasnt allowed and would remove it from my report. Since XXXX, I have tried various ways of disputing this item through XXXX and Equifax. I've actually filed 3 disputes with Equifax ( by mail and online ) ; however, each dispute has been completed without Equifax contacting XXXX. I've tried contacting both companies on XXXX but haven't had any luck. Anything you can do to assist would be appreciated.
Consumer complaint received 2019-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AZ)

I received a letter from Fed Loan stating I was delinquent in XXXX and XXXX therefore 4 years later in XXXX they will be robbing me again and adding back to my loan a balance {$87.00}. 

They need to get their act together. My balance doesn't go down and when I try to pay a loan down, my principal balance does not go down. I have filed many complaints and no one - not even the CFPB cares. SOMEONE NEEDS TO DO SOMETHING AND REVIEW FEDLOAN  PAYMENT APPLICATION PRACTICES. NOW THEY ARE COMING BACK 4 YEARS LATER THAT THEY ARE REMOVING MY REBATE AND ADDING IT BACK TO MY LOAN BALANCE. DOES ANYONE SEE ANYTHING WRONG WITH THIS OTHER THAN ME.
Consumer complaint received 2019-04-07
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. (FL)

In XXXX I disputed an incorrect mispayment error on my credit report submitted by XXXX XXXX because they were angry that I closed a credit card account. I disputed the action with Transunion and they lowered my credit score. Now again in XXXX, I disputed a different error and once again, Transunion downgraded my credit score from that same XXXX missed payment error. How come they are allowed to continue to lower my score after already punishing me for it a number of years prior? All the other credit reporting agencies have fixed the error with the XXXXXXXX XXXX miss payment reporting except Transunion and every time they review it or I bring it to their attention, Transunion continues to lower my credit score even more. I almost lost a job because of it.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (VA)

In XX/XX/2017 home depot ( citibank ) sent me a bill for under 100 to the wrong address. I did not get the bill. Have always paid bills on time. I went in person and talked with them and the person in charge of billing..paid the account and closed it. I was assured at that time ( payment only 2 months late ) that they would not report this as a negative to my name, as I was concerned with this. I have a great payment record. I don't need credit now but do not like this on my XXXX report as a " possible negative ''.
Consumer complaint received 2023-07-27
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. (CA)

This is my second 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 alleged fraud or extortion JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF : XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Consumer complaint received 2019-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (OH)

I contacted Midwest Recovery Systems on the beginning of XXXX to resolve an old 10yr old debt of {$960.00}. The company advised me the debt was to be removed from my credit. The debt is still on my account, and Midwest Recovery will not respond to any further attempts to contact them.
Consumer complaint received 2024-03-05
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. (NY)

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 XXXX party. They in fact did not come from a XXXX 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 2023-04-08
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. (UT)

Home loan for XXXX XXXX XXXX, XXXX XXXX, XXXX Florida is still showing as open and active even though we sold the property in XXXX of 2022
Consumer complaint received 2019-05-09
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 — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (TX)

I checked my report recently and noticed that you did not remove it. 
Americredit Inquiry from XX/XX/2019 Why is that? It appears to me that you don't care about my rights and my creditworthiness.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

When I check my credit score Im told that incomplete information about my mortgage is hurting my score. This is the same with all the reporting services. I dont know how to report to them that I do not have a mortgage I own my house outright. The same goes for all my vehicles. I also do not have any personal loans. My only obligation is my credit cards which I pay in full every month and have done so for over 10 years.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

I opened a Checking and Savings account on XX/XX/19 for {$400.00} bonus + {$100.00} bonus for 2 direct deposit. I opened on the phone with the consumer representative. After the account was successful open, I deposit the funds required immediately on the phone with the rep. CitiBank purposely delayed my funding and claims, I did not meet the requirement. I didn't wait at all and gave the representative all the information and funds required for CitiBank to process the funding. I left the funds in there for the required amount of days but CitiBank refuse to pay out the bonus while I am earning almost 0 % APR if I were to leave the required money at other banks. I chatted with Citibank and was hoping to get the issues resolved but they did not honor their part of the promotion. Here is the terms and conditions of the promotion. 

Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of  opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days
Consumer complaint received 2019-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (AZ)

I have been contacted by a debt collector about a delinquent credit card account that is not mine. The debt was sold to the debt collector by Citi and they were provided with my information even though the account is not mine. I have contacted Citi several times about the account have been told to contact a " client resolutions '' phone number, but when I call the number it simply hangs up.
Consumer complaint received 2019-05-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Our mortgage was sold to Mr. Cooper/Nationstar in XX/XX/2019. Upon receiving our account, Mr. Cooper performed and escrow analysis and determined that we had a surplus. They sent us a check for {$1400.00} and emptied our escrow account, bringing the balance to {$0.00}. I realized that this was not correct and called Mr. Cooper and was instructed to send the check back, which I did. In the meantime, they performed another escrow analysis and determined we had an escrow shortage. Upon review, we realized that they had incorrectly projected our taxes to be {$11000.00}, despite our county tax appraisal to be under {$6000.00}. They also had a " miscellaneous tax '' for XXXX county for {$3700.00} - our property is not in XXXX county and we do not pay taxes to XXXX. I called immediately and reported that they incorrectly assessed our account. I was told that they would need to remove the incorrect tax, which would take 7 days, then send our account back for re-analysis. I called yesterday, XX/XX/19, which was more than 7 days later, and they still had not removed the incorrect XXXX property tax. I told them that we needed to get this resolved as soon as possible, seeing as our payment due XXXX is nearly triple our current payment. I was told that they were unsure whether they would be able to resolve our account prior to the payment due date, and we would need to pay the full payment ( {$3000.00} ), otherwise the account would be sent to collections. I have submitted all of the necessary documentation to Mr. Cooper, but have yet been able to get our escrow account corrected.
Consumer complaint received 2021-04-02
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. (NY)

In XX/XX/XXXX I disputes a bankruptcy showing up on my credit report. I received results of the investigation which identified XXXX XXXX as a third party agency to whom Equifax verified the information. I question the validity of that statement because my XXXX XXXX has been frozen since XX/XX/XXXX. Equifax is being untruthful which is causing me a great financial hardship.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LJ Ross Associates (PA)

On XX/XX/2018 at approximately XXXX XXXX ( eastern ), I ( XXXX XXXX XXXX ) called LJ Ross ( XXXX. XXXX XXXX , XXXX, XXXX XXXX, XXXX, MI XXXX, XXXX ) and asked to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. I related to XXXX that I was unhappy about the communication that one of his representatives had with my father ( XXXX XXXX XXXX ). I advised XXXX that someone called my house last month and that they shared the debt amount ( {$1600.00} ) and the debt originator ( XXXX XXXX XXXX ) with my father via oral communication at my home phone number of XXXX. 

I asked XXXX to research who made the call, XXXX stated that the call was made by XXXX on XX/XX/2018 at XXXX. I then asked him why they would share that information with my dad. XXXX said that my dad must've said he was me. I advised XXXX that my dad would not do that. 

I then asked him that when I call the XXXX # to call in, that I am asked to verify my LJR Account # ( XXXX ) and the last four of my security number every time. And I asked him why his representatives when calling out, don't follow that same practice. XXXX stated to me that he was unaware that the touchtone prompts at the XXXX # ask for a persons last XXXX of their social and then said that they do verify name and addresses, but don't always verify the date of birth or social security number when calling. 

I am highly upset with their practices and sharing the information with a third party. As I informed XXXX that it severely impacted my relationship with my father and that because of this ; I will be filing a complaint. He said that he will look into it.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I want to thank you first of all for extending me credit back when nobody else would. I have had my two capital one credit cards for a while now. I have had my rewards card for about 3 months now and the platinum secured card for about four months now. I have worked hard in rebuilding my credit and look forward to many years with my capital one cards. I have made every payment on time and try to keep my utilization under 10 %. I make multiple payments in the same month to keep my account balance low as possible.While I am grateful capital one has given me a chance to rebuild my credit i am having issues with capital one and their constant denial of a credit limit increase. Each time they have told me my account is too new or Secured cards are not eligible for credit limit increase. Every time i call into customer service to ask where that information is stated online or in my account access i don't get any answer and get a scripted response of their is nothing we can do. Asking for my account to be reviewed for consideration.
Consumer complaint received 2019-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I contacted the company today, XX/XX/2019 at XXXX and spent almost 20 minutes on the phone with them. The first representative I could barely understand and I had to ask him to repeat himself several times. However, I know I did have to list every inquiry I had issues with, only to then be told transunion couldn't help and I had to go the lenders?? Even though I already contacted them directly and told Transunion this, they still couldn't do anything. I then asked for a supervisor because clearly this had to be wrong. My credit bureau is supposed to PROTECT my information and clear any inaccuracies. The supervisor however gave me the same exact runaround. What are they there for!!????!!! I need these auto loan inquiries removed. I own a car with no lease. I'm not married and I dont have kids. I don't need a car. I did absolutely none of these. XX/XX/2019 - XXXXXXXX and   XXXX, XX/XX/2019 - XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/2019 - XXXX XXXX, XXXX XXXX, and XXXX XXXX. I need these removed ASAP. Transunion is awful. XXXX has so much better staff that is much more helpful.
Consumer complaint received 2019-05-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Have reached out to XXXX  to remove us bankruptcy Court - XXXX. They have moved it off of my credit report because of statute of limitations. Have reached out to Equifax and they will not delete it. It should be deleted because of statute of limitation. I'm needing help with Equifax to remove this bankruptcy, it has been on my report for 7 years. I did a dispute with Equifax the XX/XX/2019. It's a chapter XXXX bankruptcy.
Consumer complaint received 2019-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2019 I was scammed of all my money at Bank Of America by a company pretending to be XXXX. They took all my Bank account and savings funds and credit card limits. The Bank Of America emailed me of the activity but the scammers had loaded software that prohibited mt accessing my account. BOA should have called me.