davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
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: GOLDMAN SACHS BANK USA (GA)

I recently filed a complaint specific to Goldman Sachs about an Apple Credit Card. I followed up with a note about the credit card being approved then was told that it was not. 

This week I received notification from Marcus by Goldman Sachs about a pre-qualification loan option on XX/XX/2022, which I did not request. I looked at several options but did not approve Goldman Sachs to review my credit file, nor did I select them for this loan. There were several that came up and I decided not to request a loan. This is interesting because out of the 6 organizations that were listed in the same format this organization was the one that decided to pull my file as if I agreed to move forward with them.

Something needs to be done about Goldman Sachs and it appears that this organization may be bias. I am beginning to conclude that this organization is not working in the consumer 's best interest. I will contact my local congressman/congresswoman and let them know about this issue. Nothing was done about the first complaint. It was closed. I have attached the file for the original credit card application.
Consumer complaint received 2021-06-09
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. (IL)

I have been sending XXXX XXXX XXXX, XXXX, and Equifax letters for the last 11 months regarding a collection they have reporting to my credit reports. I DO NOT KNOW THIS COMPANY. I have not done any business with this company. I have no contract with this company. This company has nothing in writing stating I agreed to any form of a contract. This company would only send me a bill saying I owe { {$590.00} }. This is not PROPER VAILIDATION. I want to see All of the documents opposed to just a bill. I have asked multiple times for any documentation and they dismiss my request. I have also asked that if they can not provide anything then to stop contacting me and remove the fraudulent account from my credit report. 
XXXX conducted their investigation months ago and removed it from my credit report. 
When I first inquired about this account with Equifax, it was listed on my report as a closed account ; derogatory ; collection. After their investigation it was briefly removed and then reinserted a couple of months later now showing as an open account with late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They other months are showing paid. It shows " Balance Updated '' on XX/XX/XXXX. This makes absolutely no sense to me. 
When I did the same with XXXX, they changed the " Balance Updated '' on XX/XX/XXXX
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

A purchase was made through XXXX and the goods were never recieved from the seller and tried with XXXX and was unable to get the refund. The XXXX was deducted from my Bank Of America Account of the amount {$97.00} in XX/XX/2020. The claim was made to both the organzations and with no positive favour on it. I want to have the full refund from them. Looking forard for your help
Consumer complaint received 2020-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TX)

I sold an amplifier via Paypal for {$1600.00} to a customer XXXX XXXX in XXXX via transaction # XXXX. PayPal kept the money of {$1500.00} MrXXXX XXXX wanted me to ship the item to XXXX. I spent {$150.00} to the ship the item sent the customer the tracking number and asked PayPal to release the money. 

I called Paypal when they told me that it would take 60 days top release the money and I had no seller protection because the customer made me ship the item to an address that is not on his PayPal account and they told me that I should reverse the shipment which I did. 

Now Pypal is charging me {$70.00} for the difference in the commission they have already taken for a transaction that has been reversed. 

I have lost nearly {$300.00} on a Pypal transaction I am tired of dealing with PayPal call centers in XXXX which is a criminal waste of time where people earning XXXX cents an hour waste peoples time in USA
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

Complaint Against Navy Federal I deposited a check from my XXXX Provider via ATM on Monday Night ( XX/XX/XXXX ) around XXXX. The check amount was XXXX. The bank made XXXX available immediately. 

The remaining balance is typically deposited within the next business day - XX/XX/XXXX. 

( XX/XX/XXXX ) Around Noon, I discovered the remaining XXXX had not yet been placed in the account. I called Customer Service to inquiry when the funds will be available, per the 1st Customer Service Rep the funds will be available on Thursday ( XX/XX/XXXX ) Later the same day I called back to Customer Service to see if the funds can be pushed through because I was trying to pay bills as soon as possible. According to the 2nd Customer Service Rep- he is unable to push the funds through immediately however the funds will be available after XXXX. 

At XXXX pm, I checked my account and the funds were available. 

( XX/XX/XXXX @ XXXX ) I checked my account again and the funds was available. I immediately start paying bills. I paid XXXX credit card bill, XXXX XXXX bill. I attempted to pay my XXXX XXXX but the transaction was declined. I was confused, so I checked the funds in my Navy Federal Account and it showed XXXX. I became upset and confused. So I called Customer Service. XXXX XXXX stated is negative and the system has removed the funds from my account and the funds will not reappear for another 4 days. I became extremely upset and asked to speak with a XXXX. Spoke to XXXX XXXX XXXX XXXX ) and she simply reiterated everything the Customer Service stated. 

I don't understand how the system made the monies available then REMOVED the funds as I was paying my bills. 

Since XX/XX/XXXX, I have spoken to a total of XXXX Customer Service XXXX and XXXX Supervisors. NO ONE has removed the block on my account and the bills I paid has been returned as insufficient funds. I was previously told my XXXX - the transactions will clear when the funds reappear & THE TRANSCTIONS WILL NOT BE RETURNED AS INSUFFICIENT. 

According to XXXX XXXX XXXX XXXX Supervisor ) The reason the system removed the funds is because Navy Federal received a notification from the Federal Reserve that my XXXX Check was a potential fraud. I have requested a copy of the notification from the Federal Reserve and NO ONE has provided a copy. 

As of today XX/XX/XXXX - my account is still negative XXXX and I'm still waiting for the remaining funds to become available in my account. The transaction for my Credit Card XXXX and the XXXX XXXX has been returned.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (OH)

I called Convergent Outsourcing XX/XX/22 to pay the collection account sent to them from XXXX XXXX XXXX {$300.00}. I was asking for a settlement, the representative informed me they couldnt settle the account but I could have the balance reduced by contacting XXXX XXXX XXXX to send the internet modem equipment back before I paid. I callled XXXX XXXX XXXX and they said they are sending me a return box and shipping label. XX/XX/22 and I havent received the return box and label. I informed the Convergent representative that I was intending on paying when the equipment was sent back and the balance was adjusted when she informed me to call XXXX XXXX XXXX. Convergent has placed this account on my credit report even though I called to pay on XX/XX/22 and didnt because Convergent representative told me the balance could be adjusted which prevented me from paying that day. XX/XX/22 Convergent representative told me account wont be deleted when paid although their representative is who told me to contact XXXX XXXX XXXX to have the balance adjusted when I called to pay.
Consumer complaint received 2022-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (MO)

I established this loan in XXXX and have always made my payments through my bank with electronic bill pay. On XX/XX/XXXX, I sent two payments that have never been applied to my account. I have been reported to the credit bureau as being delinquent since XXXX and they harras me continuously even after I have sent them proof of the payment. I have contacted them at least ten times regarding this and each time I am told the supervisor is unavailable and they will call me back and it never happens.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Dear TransUnion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Bank Account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XX/XX/1998 SSN : XXXX As proof of my identity, I have included my drivers license and a copy of our mortgage statement. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. You failed to do this properly the last time I wrote to you and if you fail to do so again, I will be filing my complaint and taking this issue to court. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear CFPB, I would like to investigate the account listed below as if is not reporting correctly on my credit report XXXX XXXX XXXX I am feed up with the 3 credit bureaus XXXX XXXX Experian, and XXXX for not responding and rectifying my problem in a timely manner and not following the laws and rules that they agree to. I sent out letters to them on XX/XX/2022 and XX/XX/2022 and still haven't had anything done these accounts showing on my credit report is not correct. I'm asking your company to handle this matter and get these credit bureaus to correct these inaccurate accounts. From my understanding this law FCRA623 ( a ) ( 8 )
Consumer complaint received 2022-04-01
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. (GA)

Equifax has failed to comply with 15 USC 1681c. I never gave authorization, to any consumer reporting agency to make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Equifax is furnishing accounts to my consumer report that is a violation of this section.

Equifax has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting accounts that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card and auto loan accounts but this information is incorrect based off of the bureau definitions. 
Equifax has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n. The consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) they have furnished reports containing information which is supposed to be excluded from all consumer reports this is a violation of this section.

Equifax has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never gave consent or authorization to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer report.
Consumer complaint received 2022-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vehicle Solutions Corp (FL)

My name is XXXX XXXX and this is in reference to my previous case, the previous case # was XXXX. 

In that complaint I demanded the following items and they have not been sent over. 

XXXX XXXX XXXX demand you stop all illegal negative reporting to any and ALL consumer reporting agencies and remove from my file NOW*** XXXX XXXX XXXX XXXX XXXX ***INVOICE FOR WHEN VEHICLE WAS XXXX Under FDCPA if this company is not going to honor my request, they must remove this file from all CRA 'S. 

Once again, I have sent this company a cease and desist and demanded an Audit Trail, Debt Validation, Forward Floor Agreement and Invoice for when vehicle was sold after illegally being taken from my possession. Under CFPB consumer protection laws, this company must sent back this information and if they do not, must remove from my credit file.
Consumer complaint received 2022-04-01
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: SUNRISE CREDIT SERVICES, INC (NY)

I received a few phone calls from SunRise Credit Services about an account that got opened with this company from XXXX XXXX XXXX. I made a three-way phone call to them with a XXXX representative, and this " collection agency " gave them an account number and address for me, and they had nothing for me. This company, SunRise is a fraud, I gave them 30 days to remove this fraudulent account from my credit that doesn't exist, or I will sue them! I asked them to send me a validation of the debt letter because I have had active service with them for years and have never been behind. They never sent the validation letter, and yesterday XX/XX/2022, they put it on my credit as delinquent debt.
Consumer complaint received 2020-11-02
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. (IL)

I noticed a negative report on XXXX and Transunion had a negative report on my credit, so I disputed it and they responded by sending me the copy of a contract not signed by me, wrong email, wrong physical address, wrong phone number. The only thing right was my name. I have contacted them several times, disputed it with both XXXX and Transunion with no results. The Debt Collector is XXXX  XXXX  XXXX  and I have recently got some information from an Attorney that the have several judgment against them in Federal Court of which they are ignoring. They are getting sued in Federal Court and having Default Judgments taken against them, yet not updating the credit reports to be accurate all while demanding payment for the tradelines to be deleted.
Consumer complaint received 2020-11-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX, Equifax and XX/XX/XXXXarent complying with my dispute request. I sent them a letter on the XXXX of XX/XX/2020 which was my initial dispute. I then sent another letter on the XXXX of XX/XX/2020, which was a thirty ( 30 ) day demand to comply and they still havent responded.
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-12-08
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-09-22
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (DE)

I am a cosigner of a private student loan XXXX - XXXX with Wells Fargo, that has been paid in full then transferred to another bank. 
Wells Fargo has been late on all 3 accounts, due to the Student primary borrower who defaulted in the loan. Six months later, Wells Fargo notified me thereafter, which caused loans to be in serious default, with interest, principals, late fees ..... 

Student to date has not made contact with me nor has he made any payment on the loan as the primary borrower. I was able to set-up a payment plan as a retiree to bring the loans out of default once all three loans were out of default, Wells Fargo transferred the 3 loans to XXXX XXXX XXXX  XXXX 

I filed a dispute with Credit Bureau Agencies against Wells Fargo to remove derogatory marks, It has been 7-8 years, as loans was paid in full. Well Fargo denial request to rs. remove marks from my credit report. I value my credit and understand the value of having good credit that I use very wisely. Co-signing was a terrible mistake, which I learned a valuable lesson. I am only asking for the late remarks to be removed. Primary Borrower 8 years later has not contacted me nor made any effort to make payments. I continue to payments to date on all three loans that has increased to {$47000.00} from {$40000.00} when Wells Fargo transferred it. 

Thank you for your help XXXX