davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
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: Bread Financial Holdings, Inc. (TN)

These accounts have been sold. As to knowledge, I am no longer liable for the alleged debt, and no written communication, contract, or signature. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, Please be aware this is an attempt to a violation of the FDCPA. The section 807 ( 8 ) it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2023-06-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/2023 I called Marcus ( Goldman Sachs ) to close my savings account as I was leaving the country. The balance was {$230000.00} I was told it would take up to a few days to transfer the funds to my XXXX account. I called after a few days and was then told it would take up to XXXX working days. I called again on XX/XX/2023 and spoke to a supervisor. I had to repeat the entire process to close the account. I was told it would take up to another XXXX days to close the account, but they would try and expedite it. I was given a case number ( XXXX XXXX XXXX XXXX ). After XXXX days I still had not received the funds. I called Marcus again on XX/XX/2023 and spoke to a supervisor. I was simply told that it would be reviewed and someone would contact me in XXXX to XXXX days. I asked if I could speak to the supervisor 's supervisor and was told it would take XXXX to XXXX days for them to contact me. This has taken so long now that I have already relocated to XXXX and there is a small time window to speak with supervisor due to the time difference. 

My money is still stuck in the Marcus account and there is no way to physically go into a branch to speak to someone. You can only call and continue to be told to wait a few more days. A simple request to close my account and transfer the funds to my XXXX account has taken XXXX weeks and I seem to be no closer to getting my money. The Marcus web site still says the funds are available to use, but when I try an online transfer I get an error message which tells me to call Marcus.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo XX/XX/XXXX XXXX  XX/XX/XXXX Account not mine need to be remove off my credit report.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I have rights to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and Experian to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

I have just received an electronic transfer of {$6000.00} in my chase checking account but my account got frozen for suspicious activity. I only used the chase checking account to make a purchase from a bitcoin company ( XXXX ). It's a fairly new account. when I called, the customer support could not provide a clear reason for holding my funds that just came in from XXXX
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, LLC is sending notices and tainting my credit history with a fraudulent account. I never opened the account their reporting and I have explained that my ex-wife had opened accounts without my knowledge throughout the marriage and in our divorce in XXXX  she stopped paying them. I didnt come to find out until years later as is this account. Id appreciate it if this account was removed from my information as soon as possible.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX, XXXX XXXX  with account # XXXX and a balance of {$1300.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Secured loan with account # XXXX opened on XX/XX/XXXXXXXX XXXX Charge account with account # XXXXXXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

I've always paid on time to my mortgage company who was XXXX XXXX. When C-19 hit, my income was reduced and I was struggling to make payments. On XX/XX/XXXX, XXXX from XXXX suggested that I go onto their forebearance plan and she explained that my account would not be reported to the credit bureaus and that I would resume making my monthly payments at the end of the time specified with no penalties, additional interest or late fees, but the principle amount unpaid during this time, would still be required and would be added to the back end of the mortgage, ( extend my original payment scheduled ). They then extended it for a 180 days on XX/XX/XXXX ( message below ) I was to start payments again on XX/XX/XXXX. In XXXX or XXXX, the loan was sold to PHH Mortgage. They reached out to confirm that the 1st payment would be on XX/XX/XXXX and I was given a new account number. A gentleman phoned me yesterday to confirm the beginning of the payment schedule again since it's in 1 month and then asked if I was going to pay all $ XXXX that was owed else it will go into foreclosure. I told him that I didn't understand what he was referring to and he said that I was responsible to pay everything at once unless I was not interested in keeping the property. He said that XXXX was incorrect. 

I don't understand. This is not what I was told by XXXX. If I wasn't able to pay my $ XXXX monthly morrtgage, how am I supposed to pay a $ XXXX fee all at once now? I don't have this kind of money and I don't want to lose my house.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (CO)

I received an application from my bank, USBANK, I have been a customer for almost 3 years. My credit is good, and I do have a fraud alert on my credit reports. At first, they denied me and they pulled my credit. Then they sent me a text, asking for a home address. I faxed them my Drivers License and my Lease agreement, WHICH IS VALUABLE information. They never got my fax. I waited and never heard from them, and then called back because they finally sent me a letter saying they needed to Authenticate me. My reference number is : XXXX. On XX/XX/XXXX, I resubmitted my information via a digital fax, and got a receipt that it was delivered. Then I never heard back from US BANK. Today, I called them to find out what happened. They closed my application which was 45 days. They never even alerted me saying that I was trying to get through. When I spoke to XXXX, the supervisor at their North Dakota branch, I said I wanted to locate my data. She said they never received anything. I said, I wanted her to go to the fax and find my fax and show me they will destroy my documentation, because she refused to give me an extension and said they would need me to re-apply AGAIN. She said she couldn't because my application expired. I said, okay, so where is my information which is very private. I said I wanted her to go find it and that I could email her the confirmation. She couldn't be bothered. She said too bad, they do not have a way to find it. She didn't even try. And so now my drivers license and address arrived at the confirmed Fax number that belongs to USBANK. How is this acceptable, that they have no accountability for losing my private information. I did ask them about how I can do this more securely and they offered no option. I'm filing a complaint because they have my materials and I want accountability. It is not acceptable to just have lost my paperwork when I know it was confirmed. I will submit the receipt. I want the bank to find my paperwork. And I want them to provide me a credit card without repelling my credit this is their mistake not mine.
Consumer complaint received 2019-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

My loans were recently transferred from a previous service provider in order to facilitate the XXXX   XXXX. The date of transfer ( according to the previous provider ... since XXXX never contacted me during the process until after it was done ) was the day after my loan payment due date. I, of course, made my payment on time. When they finally showed as transferred and I set up my account online, my account showed as several weeks delinquent and my payment for this upcoming month as double ( which I can't afford ). I called immediately and submitted a request to reflect the previous payment on my account. Several days later, this has still not been fixed and my payment due date is looming closer. I have called again and submitted requests online to be contacted confirming that it is fixed. The people on the phone are seemingly helpful but also oblivious and I have yet to be contacted based on my online email requests. To be blunt, this is ridiculous and sure as heck not a good first impression. During my very fist call about this I was informed that this is a common problem. Two issues with that statement : 1 ) If it is so common, why is it taking so long to fix, and 2 ) If people know about it, why hasn't something been done to prevent it from occurring in the first  place. I will now be expecting both that the original problem is fixed, but also an apology with assurance that no issues will be handled like this again.
Consumer complaint received 2021-04-07
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. (WA)

I have filed a complaint against XXXX XXXX XXXX XXXX XXXX with the CFPB concerning fraudulent reporting of a non existent debt. The number is XXXX. 

I disputed the account with Transunion on XX/XX/2021. They " automatically '' validated the debt with the fraud company and sent me results on XX/XX/2021 that the debt was valid. 

I responded by filing a second dispute with Transunion stating that XXXX XXXX XXXX XXXX has not sent me any documentation validating the debt. I have asked REPEATEDLY for them to send me proof of the debt and they haven't. The first time I was ever contacted by the company ( by phone ) I DISPUTED the debt and confirmed with my credit union ( email attached ) that the debt is not valid. XXXX XXXX XXXX XXXX  has not sent me any information about the debt, I have not received ANYTHING in the mail from them. They are breaking the law. 

I asked Transunion on XX/XX/2021 to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I asked that the description of the procedure used to determine the accuracy and completeness of the information is needed. 

I asked for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof the debt is valid or bearing my signature. 

Today I received a form letter from Transunion saying that their " investigation is complete '' and that the collection company has verified the debt. However, I did not receive any of the information I asked for in the letter. No evidence to back up the debt, no signature, no name of anyone who personally verified the debt. 

Transunion is allowing a debt that has not been proven valid to remain on their system. It is not in " Disputed '' status, and XXXX XXXX XXXX XXXX continues to leave threatening messages on my cell phone, also in violation of FDCP as they are threatening mesasges AND they are using fake names and different phone numbers that all end up at someone at XXXX XXXX XXXX XXXX. 

These are clear violations of the FCRA and FDCP acts. The actions of XXXX XXXX XXXX XXXX, along with the INACTIONS of Transunion are harming my credit and causing me financial harm.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I am unable to manage the security freeze on my Equifax Credit Report using the website, automated system or the mobile application. I also am unable to use the XXXX XXXX XXXX website or mobile app to manage a credit lock either. My address is also incorrect on my report and I have sent the requested identity documents several times for verification by mail and fax as instructed but there has been no update.
Consumer complaint received 2021-08-12
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: DISCOVER BANK (NC)

Spoke with a representative at Discover and was instructed my credit report would not report a late payment and would report as paid on time. This was in XXXX of XXXX. I was experiencing covid and due to my inability to work was going to be late on my bill that month. Despite being on time with all my future payments since, I would like to request that Discover honor they're customer service and remove the late payment. I promise to continue to pay on time, thank you for your business and assistance.
Consumer complaint received 2023-06-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (FL)

Key 2 Recovery calls incessantly every few months claiming that I have unpaid student loan debt to XXXX XXXX University of about {$3000.00}. I called XXXX XXXX University and confirmed that I have no outstanding debt and that they have never forwarded any of my information to Key 2 Recovery. I have informed Key 2 Recovery of this multiple times but still receive phone calls. They either have me confused with a different student of the same name, or are falsely claiming that I owe debt.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The list of account below had violated My federally protected consumer rights to privacy and confidentiality under 15 USC 1681. # XXXX, XXXX and Experian has violated my rights. 15 U.S.C. 1681 section 602 A. States I have 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 instruction. 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 other then records of convictions of crimes which antedates the report by seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish my information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. 


XX/XX/23 Ask all credit reporting agency to remove this report off my credit from XXXX XXXX XXXX for total of XXXX $ XXXX, XXXX, and Experian but this company ignored my request.
Consumer complaint received 2023-02-18
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. (MI)

On XXXX XXXX The Credit Bureaus stated XXXX XXXX XXXX XXXX, XXXX/ Account XXXX was properly investigation 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 is ground for removal. They also violated my rights under U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

U.S.C 1681 section 602 A : States I have a right to privacy.

U.S.C 1681i ( 5 ) ( a ) ( i ) ( ii ) Therefore this account was not investigated properly .... This information needs to be removed immediately.
Consumer complaint received 2019-03-07
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. (NV)

There is a major issue with information on my credit report. My name is XXXX XXXX not XXXX XXXX which is a name that constantly keep showing up on my credit reports. I sent in a copy of my utility bill and my social security card showing my correct address which is XXXX XXXX XXXX, XXXX XXXX, Nv XXXX. Been here for quite sometime. I called the credit card companies and all those accounts are XXXX XXXX not XXXX XXXX with a address that do not belong to me that was opened online some time ago. I have disputed and this is my last attempt to remove this accounts for they belong to someone else. The XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Im assuming these accounts are connected to a bankruptcy that showed up on my report.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AR)

Payments not being applied to promotional charges. Fees being applied. After numerous calls to apply payments to promotional balances, payments were still not applied. More calls were made. Keep getting disconnected when calls are made to credit card company. Please refer to all phone request made from XXXX through XX/XX/XXXX.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that is still reporting on my Credit Reports : XXXX  XXXX-Balance : {$430.00}
Consumer complaint received 2021-06-22
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)

I sent a complaint to Experian in reference to my Statement, That i am a victim of identity theft. The requested authorization from me. I XXXX XXXX give authorization to Experian to proceed with my complaint.