davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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 (NY)

Per the FCRA, as a Federally Protected consumer, I am opting out of any and all authorization.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer.

Any and all consent to XXXX, XXXX, ( APPLE CARD - GS Bank ) ( XXXX XXXX XXXX  ) and ( XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' APPLE CARD - GS Bank, Never informed me of my right to exercise my nondisclosure option.

Privacy Act of 1974 ( 5 U.S. Code 552a ) - ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates. 

As stated before, I did not give Apple Card, XXXX and XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX consent for the record.

15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Apple Card to my credit agencies ) is a financial institution by definition under that title. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NJ)

Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2013 Balance : {$1400.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, Im contacting you all because there has been an issue or there is an issue involving mine and my twin  sisters credit report. I have not been able to see my credit score or report due to wrong information containing both our social security numbers I believe. A couple of days ago I tried to apply for a credit card since I thought that I did not have a score at all, but when I clicked on submit it directly notified my sister about a new inquiry. I think that when I provide my personal information and try to apply for something it notifies her because the system thinks my information is really her information, but it shouldnt be. Her score can be seen and checked but mine cant so that is why I came on here to contact you all about it to see if you can help. My twin sister checks her credit score with XXXX XXXX and I tried doing so but again nothing shows up. I hope this issue can be solved. Thank you.
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

We received a phone message mid XXXX to call XXXX XXXX to discuss a request to increase our credit line on our Lowes card. I check my Lowes card and the balance was zero. My last activity on that account was XXXX XXXX. I did not call the number back because I felt this was a phishing scheme. 

Then we received a letter dated XX/XX/XXXX stating that my credit bureau report was not accessible so they were unable to grant the increase. I called XXXX XXXX after reading the letter dated XX/XX/XXXX and informed them I had not made the request for an increase to my credit limit. I asked them to close my account. They asked for my SS number which I would not provide. I was n't sure if this letter was a scam or not so I hung up. 

On XX/XX/XXXXwe received a letter dated XX/XX/XXXX stating they had closed my account and I had a balance of {$8000.00}. I called the bank onXX/XX/XXXX after we got that letter and my wife spoke with XXXX who gave her employee number as 'XXXX '. XXXX stated they would turn it over to the fraud department and it would take 30 to 45 days to resolve. She said we should not make any payments and they would not report the account as delinquent to the credit bureau. 

I called XXXX XXXX on XX/XX/XXXX after we received the Lowes statement which is due XX/XX/XXXX. I was told the Bank knew the charges were fraudulent but it would take 45 to 60 days to remove the charges. 

I have filed a police report with the XXXX Police department and the report number is XXXX. I have made contact with one of the two Lowes stores where these charges were made. I with XXXX XXXX, Customer Service Manager, and he has turned this account over to their loss prevention department. 

Neither my wife nor I made any of these three these charges at Lowes. I request that Lowes and XXXX XXXX remove these charges from my account history and report to the credit bureaus that this account was closed per customer request because of fraudulent charges.
Consumer complaint received 2021-01-04
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: FirstPoint Collection Resources (NC)

I have been trying to get verification of these debts since XX/XX/2020 with no success. I sent each company letters and disputed with the credit bureau for unverified accounts, but each time the information was returned as being verified. I sent two letters to XXXX and one to First Point. The first point sent a letter back saying they had nothing on file for me, but wanted me to send in paperwork with my name, SSN, Date of Birth, and have it notarized by a notary.
Consumer complaint received 2021-05-05
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)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-04-28
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. (MD)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (PA)

I did not consent to, authorize nor benefit from any of the following inquiries. block and remove them. 

1. XXXX XXXX  XXXX XXXX 2. XXXX XX/XX/2021 3. XXXX XXXX XXXX  XX/XX/2021 5. XXXX XXXX XXXX 6. XXXX XX/XX/2021 7. XXXX XXXX. XXXX XX/XX/
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TN)

I have been contacting and attempting to contact Dovenmuehle Mortgage since XX/XX/2020. My hazard insurance with XXXX XXXX XXXX expired XX/XX/2020 due to nonpayment. I have my insurance premium escrowed so I have paid for my insurance over the last year. As soon as I became aware that Dovenmuehle had not paid, I began contacting both XXXX and Dovenmuehle. XXXX is aware of the situation and has been in contact with Dovenmuehle as well. I have uploaded insurance documents to the Dovenmuehle website ( ihaveinsurance.com ) many times. I have managed to speak with about 3 people at Dovenmuehle on different occasions over the last two months and have been assured that they would pay my insurance as agreed. I have sent three secured messages asking them to pay my insurance and have received no response. I have until XX/XX/2020 to pay the premium to reinstate my insurance. Today so far, I have been on hold with Dovenmuehle for exactly two hours with no live person answering yet. I have paid all of my payments on time and the insurance premium amount is more than covered by my escrow. If Dovenmuehle does not pay this week, I will to pay my insurance premium twice -- once through escrow and once out of pocket to reinstate. Waiting on hold for two hours to ensure my insurance is paid as agreed and as allocated every month is completely unacceptable!
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - XXXX, TransUnion and XXXX.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prosper Marketplace, Inc. (GA)

On XX/XX/2021 I sent XXXX Mail # XXXX XXXX XXXX XXXX XXXX letter with payment ( negotiable instrument ) to tender payment for alleged debt. The letter was received on XX/XX/2021 and the negotiable instrument was improperly processed. I feel my consumer rights where violated and I'm trying to resolve this matter accordingly,
Consumer complaint received 2019-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Capital Management Services, LP (TX)

I have spoken to Capital Management Services LP on 2 separate occasions (once in XXXX and once in XXXX) and also submitted a request online to have the balances corrected in their system. The representative I spoke to verified the correct balances with XXXX and only 3 of the 4 accounts have been corrected. The account ending #XXXX is still showing a balance $XXXX more than what was verified with XXXX. My concern is that once these accounts are paid, Capital Management Services will try to collect the overage which is not owed.
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (MI)

it has been more than 30 days since i have mailed in my disputes and ftc report to Experian and i have not heard anything from experian at all. they are playing with peoples lives, not doing there jobs acting like they have not received peoples disputes or ftc reports. the inquires listed on my FTC REPORT are fraudulent inquires and should be deleted immediately. i have filed a identity theft report to the ftc and included that report along with my disputes. there will also be a copy of my social security card and state id so Experian can identify me and not close this complaint out by saying i didnt send this complaint or this is not authorized by me XXXX XXXX XXXX
Consumer complaint received 2020-10-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

Received a text from XXXX XXXX XXXX XXXX stating Chase Bank : Based upon recent suspicious activity, we have identified that your account may potentially be at risk. Visit https XX/XX/XXXXto verify your account now.
Consumer complaint received 2023-06-11
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-04-28
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. (MD)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2022-04-28
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. (MD)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Attached correspondence from SPS states, " Unfortunately, the account is ineligible for one or more resolution options or it is ineligible for the option the customer selected. '' Correspondense from SPS shows that SPS has evaluated Borrower for at least one loss mitigation alternative but has failed to evaluate for all loss mitigation options as required under CFR 1024.38 ( b ) ( 2 ) ( v ). 
SPS has failed to evaluate Borrower for all loss mitigation options. A fully completed application has been provided multiple times and SPS rejects application stating it is incomplete.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2024, my tax returned was deposited into my husband 's Chase checking account in the amount of {$11000.00}. later on that day Chase closed my husbands account for suspicious activity .When we contacted the bank the bank stated that they can not give us any information that they will be doing a XXXX  day investigation to give them a call back on XX/XX/XXXX in any money that was in the Chase Checking account will be mailed out on XX/XX/XXXX. My husband and I contacted the Chase bank on XX/XX/XXXX and they let us know that the check will not be mailed back from Chase that the check will be mailed out from the IRS once it it was returned from the bank. The remaining balance that was suppose to be in checking account was XXXX, the representative let me know that Chase will be taking a loss and sending the full refund back of XXXX. The representative also let me know the funds were sent back to the IRS on XX/XX/XXXX to contact IRS. I spoke with IRS XXXX weeks in a row the funds from Chase still weren't returned. On XX/XX/XXXX I reached out to the IRS to see if the refund check was sent back from Chase, the IRS let me know that the check still hasn't been returned to the IRS to contact the financial institution. I contacted Chase on XX/XX/XXXX. I spoke with the representative and she let me know the representative I spoke with on XX/XX/XXXX gave me misinformed information the representative let me know that the check will not be returned from Chase, that the IRS would have to request that funds be recalled from senders bank.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NV)

Im accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

The USC 1681 Section 602 states I have a right to privacy.

The USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

The USC 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 2018-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TN)

Bayview is refusing to release funds that I am owed from an escrow account. The home was sold and the loan was paid off, but Bayview has been unresponsive. Closing occurred in XX/XX/2018. Their customer service hangs up when I call and are difficult.
Consumer complaint received 2017-12-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Hello, I am being denied loan modification due to my XXXX from being fired while on workers compensation. I am a XXXX XXXX XXXX that was fired while hurt on the job. From my injury I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I was current on my home mortgage until I was hurt on the job and fired. My wife is not employed and is currently in XXXX  school. I am the sole provider of my household and my salary per year was {$180000.00} per year until I was terminated from my job. I was granted a forbearance but then they said it was denied, I was granted a loan modification but then denied. The forms I submitted they stated was not sufficient enough. PennyMac is the mortgage servicer for my home. And with my injury the law states my I trest rate states it shouldnt be more than 2 % but mine is 3.5 %. The required mortgage is {$2400.00} but with my injury and current XXXX status I should be paying no more than {$600.00} per month for my mortgage. I am being scammed and they are trying to take my home. I was even told by Pennymac to sell my home and also that I didnt qualify for anything and I am stuck with being homeles with a wife and XXXX kids. Please call me at XXXX XXXX XXXX. 
My home address is : XXXX XXXX XXXX XXXX XXXX, Ca XXXX PennyMac Mortgage Loan number : XXXX telephone number : XXXX XXXX XXXX XXXX XXXX is the XXXX of the Loan issue. 
Please contact me ASAP and I will elaborate on the situation even more. I am also faxing my documents that is needed and requested.
Consumer complaint received 2020-11-23
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. (NJ)

I submitted a dispute with Experian in regards to an account showing up as derogatory for XXXX XXXX XXXX. This account was paid in full and XXXX XXXX provided me with a receipt that shows the amount is paid in full. I resubmitted a dispute with Experian and Experian requested to documentation to reopen the dispute. I in XXXX provided the proof/receipt of payment to Experian for them to reopen the case and correct the information. The account dispute was never reopened event though I provided the receipt that XXXX XXXX gave me showing that the account is paid in full. I submitted another one today but it looks like Experian isnt reopening investigations or reviewing the documents provided to make the necessary corrections. This is impacting me at the moment as I am trying to get a mortgage.