davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

Hello, My husband XXXX XXXX passed away last year ( XXXX XXXX ). 

I paid myself the amount of {$200.00} after his passing on XXXX XXXX. I called the company to let them know about his passing and closed his Apple wallet account. 

I was told later on by bank representatives and lawyers that I was not liable for debts in his name and that I could request a refund. 

I asked for a refund in XX/XX/XXXX by sending by mail all the documents they requested to issue the refund ( small estate affidavit, death certificate, bank statement justifying the payment I did ). They said there was no email I could send the documents to. 

I've been back and forth on the phone with them for months following up. They were saying that they didn't receive them in XX/XX/XXXX so I send the documents again on XX/XX/XXXX. 
I kept asking for an email where I could follow up but they said that I have to call them. 

They received the documents on XXXX XXXX ( I have the XXXX  tracking number delivery proof ). 
at Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

I spoke with a representative on XX/XX/XXXX and they said they received the documents and that it takes a while to process the refund and issue the check for the amount of {$200.00}. 

On XX/XX/XXXX, I spoke to XXXX he said that they were processing the refund and that an email will be sent to my husband 's email box after one month before sending the check for {$200.00}. 

No email was received from Goldman Sachs today on my husband 's mail box. 

On XX/XX/XXXX I spoke to XXXX a supervisor, and she said that they will escalate and a supervisor will call me to help me ( in about a week ) They gave me case number # XXXX. 

I received no call as of today and no refund. 

Would you please help me resolve that issue, Goldman Sachs tel : XXXX XXXX XXXX Thanks for your help, Thanks, XXXX
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

XXXX  XXXX XXXX and Zelle - XX/XX/2022 - Approximately XXXX EST  - Scammed amount is {$300.00} I was scammed {$300.00} via XXXX XXXX using the company Zelle putting a hold on the money and the buyer/scammer had to send an extra amount for the hold to be lifted and I have to return it. I was in a verbal phone call with the scammer and I was manipulated and pressured. 

I have called XXXX  XXXX XXXX immediately and I was transferred to the Zelle Fraud deparment. An agent stated he filed a claim and it will take 45 days to get a result. He also stated that what happened to me was a scam and not a fraud since I " authorized '' the payment, and zelle most likely will not credit me back the {$300.00}. 

My complaint is why they even bother putting a claim and get my hopes up when it's almost not gon na get credit back. I even borrowed that money from my dad and it added more pain to myself. I do understand I'm at fault as well, but everybody makes mistakes especially if I was being manipulated. Additionally, I never have received any warnings from both Zelle and XXXX  XXXX XXXX about these type of scams, If I had gotten this information from them maybe I would have not made the mistake. Please whoever is reading this and will handle this, I beg you to save me from awful emotions I'm having right now. Thank you..
Consumer complaint received 2022-10-26
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian and I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. The late history should not be showing 30 days late because I think I paid on time. Please update the late payments from this account. 

XXXX XXXX
Consumer complaint received 2022-07-24
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: PNC Bank N.A. (OK)

Back in XXXX I filed a dispute with all three credit bureaus and the company BBVA ( formerly known as Compass Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account XXXX at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the XXXX was released and the vehicle has been paid off. When calling into XXXX today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXX XXXX XXXX stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....
Consumer complaint received 2024-08-25
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)

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Medical Data Systems XXXX According to section 15 U.S. Code 1692g ( Validation of debts ). 

XXXX. I want all creditors to send me a detailed list of the history of payments made by me on this account. 
XXXX. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
XXXX. XXXX asking to see has there been any insurance claim filed on this debt. 
XXXX. I want proof that you have the chain of title to collect on this debt. 

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, XXXX requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last XXXX years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I had lost my phone while on vacation. I thought it may turn up in my Rv. Till I noticed a message on my tablet that {$2700.00} was transferred to someones account. I notified cash app immediately and told them I had lost my phone and somehow someone was able to do this transfer. I told them to freeze this guys account till they figure it out. They did nothing. Took the complaint and then notified me that I had done it or someone I authorized to do it. And thats not true. I made a police report. I contacted cash support again. They informed me theres nothing more they can do. Theyre not a bank. Theyre not subject to rules and regulations of a bank and hung up on me.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX, XXXX Received email : Verify your email address XX/XX/XXXX, XXXX Received email : Online application is in progress XX/XX/XXXX, XXXX Received email : Your new account is open XX/XX/XXXX, XXXX You're enrolled in Online and Mobile Banking These emails were not read and I never verified the email address. These emails were from Bank of America 's servers based on the email header 's and domain name. I believe someone fraudulently opened an account in my name because the emails contained my full legal name. I do not nor have I ever had a Bank of America bank account. 

The emails all stated : If you dont recognize this activity, call us at XXXX. 

When I called I could not speak to anyone or leave a message without an account number. I attempted to call multiple times. 

I forwarded all messages to XXXX and never received a response. 

I thoroughly looked on their website, including using XXXX for the domain name " bankofamerica.com '' and found nowhere to contact them without an account number. 

I proceeded to apply locks to my credit with all three major credit reporting agencies, which were not all free. 

XX/XX/XXXX, XXXX Received email : Your email address was updated I believe now my only other option is to pay a lawyer to draft a cease and desist complaint and deliver it to Bank of America 's corporate headquarters besides filing complaints with the appropriate agencies.
Consumer complaint received 2022-09-23
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. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (SC)

On XX/XX/XXXX, I agreed foXXXX XXXX XXXX XXXX XXXX XXXX XXXX to initiate a {$3500.00} payment to my CitiBank/AT & T ( Universal Card ), to bring that balance down to {$450.00}. ( Now {$0.00} ) XXXX honored the agreement for a {$170.00} fee and sent CitiBank {$3500.00} to be charged to my XXXX XXXX with XXXX 0 % interest. Thus, my XXXX XXXX had a new Balance of {$3600.00}. XXXX reported the New XXXX Card Balance as an INCREASE of 17.33 % in Credit Usage. All this might have been okay, except XXXX neglected to report the CitiBank/AT & T Card half of the transaction, which left hidden the {$3500.00} lower balance in the CitiBank Card and didn't report a 20.1 % LOWER CitiBank Credit Usage percentage . This caused a XXXX Point XXXX Credit Score ; a XXXX Point XXXX Score and somehow, a minus XXXX Point CitiBank/AT & T Score . The Usage percentages should have been OVERALL Credit Usage averaging ALL Usage. This is what I'm most concerned about. Background : On XX/XX/XXXX, I wrote a CitiBank promotional check for {$18000.00}. I paid {$420.00} every month until paid the {$18000.00} back. My penultimate act on XX/XX/XXXX used the XXXX offer to reduce my {$3900.00} balance to ~ {$0.00}. Then CitiBank chose to REDUCE my Credit Score XXXX points. Wait. What?
Consumer complaint received 2023-03-30
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX this year XXXX a collection reporting appeared on my Experian credit report from XXXX XXXX XXXX for past due debt in the amount of {$790.00}. On XX/XX/XXXX I wrote to this company asking to submit proof of this debt and havent received any information. I wrote and mailed a second letter on XX/XX/XXXX and the same no respond from that company. XX/XX/XXXX I contacted Experian and advised that this debt shouldnt be on my credit report and how the company filed validated the debt. On XX/XX/XXXX I received notification that the dispute was completed and they verify that the company certify that the information was accurate however but company have yet to submit any proof of validation of this debt to myself. 

Is extremely unethical and this deceiving the credit Bureau to take advance of consumer like myself and the credit bureau is not helping. Please see proof of both letter send and email from Experian
Consumer complaint received 2022-09-23
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. (TX)

On XX/XX/XXXX ( per credit monitoring service ), I was notified of a collection account being place on my account in the amount of {$970.00} via XXXX XXXX. As I researched this collection account that does not belong to me, it was discovered that this was the exact same account that had been removed multiple times previously ( process documented via bureaus in XXXX and CFPB in XXXX ) due to being fictitious, inaccurate and the inability to verify the identity associated to this account. Not only does the account not belong and the fact that you are reporting inaccurate information on my consumer report, I did not receive ANY notice what so ever prior to reporting this to the consumer credit bureaus, both of which are in direct violation to my consumer rights and FCRA. More importantly, your reckless actions have caused a drop in my FICO thus causing additional damage. I demand that you remove this account immediately! In the event that you do not remove this fictitious account upon demand, I will take all actions necessary to seek legal action and compensation for said damages which are documented. Your prompt attention to the correction and resolution to this matter is highly recommended.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: ALLY FINANCIAL INC. (TX)

I opened a new XXXX and account and performed a balance transfer from Ally to the new XXXX XXXX  account in XXXX of 2024. A check was sent to ally but the funds were never applied to my account. I made several attempts to resolve. I sent Ally a copy of the cashed check as well as the address XXXX provided me to where the funds were sent. XXXX mo this I have been working to resolve.
Consumer complaint received 2023-01-26
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-30
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.