davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit 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)

XX/XX/year> : We used XXXX XXXX XXXX hotel for photography services ( XXXX ) costing $ XXXX which is XXXX XXXX XXXX. However, the front desk charged us {$6600.00} USD. 
XX/XX/year> : We informed the hotel but since 24 hours were passed, they asked us to dispute with credit card support. 
XX/XX/year> : I work with XXXXXXXX XXXX and open a dispute case : XXXX for {$6200.00} because I owed {$400.00} USD for photo services i.e. $ XXXX $ XXXX XX/XX/year> : Provided images of receipts and all documents XX/XX/year> : Emailed apple credit card support to provide an update, no response. 
XX/XX/year> : Paid {$400.00} from $ XXXX during my XX/XX/year> auto payment. 
XX/XX/year> : Emailed apple credit card support to provide an update, no response. 
XX/XX/year> : Dispute closed siding with vendor charged correct amount. 
XX/XX/year> : Called XXXX XXXX  and initiated another dispute case XXXX to verify transaction properly XX/XX/year> : Provided receipt images via email and all supporting documents XX/XX/year> : Dispute closed siding with vendor charged correct amount. 
XX/XX/year> : Called XXXX XXXX and initiated another dispute case XXXX but this time apple credit card support team messed up and opened dispute for {$400.00} instead of {$6200.00} For next 30 days, I carried balance of {$6200.00} on my credit card and my FICO and credit score dropped Called XXXX XXXX multiple times but they didn't respond to the case. 
XX/XX/year> : Called XXXX XXXX and initiated another dispute case XXXX and this time again XXXXXXXX XXXX messed up and opened dispute for {$400.00} XX/XX/year> : Autopayment paid {$6200.00} amount that was in month 's balance and the team failed to provide provisional credit in time. 
XX/XX/year> : XXXXXXXX XXXXt team reverses the provisional adjustment of {$400.00} dispute as it was a mistake, however, they add this to my credit card balance, which was already paid in XX/XX/year> ( XX/XX/year> ). 
XX/XX/year> : Called XXXXXXXX XXXX XXXX and worked with manager to open two new cases XXXX, XXXX to get this issue resolved. Team mentioned, I'll get email of the tickets but there's no communication, email or call regarding the above case. 

Currently, I have paid : $ XXXX $ XXXX {$6600.00} and carrying balance of {$400.00} which will be auto-paid on XX/XX/year> i.e. {$7000.00} Apple credit card team has taken my savings and more than 6 months of time in resolving this case which is no-brainer. I have lost my savings and credit score and the team has not responded at all on this dispute.
Consumer complaint received 2023-03-27
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. (IL)

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. 

XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXX numbers XXXX and XXXX, XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account number XXXX, XXXXXXXX XXXX Account number 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 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 2019-05-21
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. (CA)

As a young girl I had no idea about the affect of rates and XXXX and not been schooled by regulators like the cfpb mso following the fair lending act was not a priority. Following a few unauthorized chages and taking my XXXX father on some trips before he past I began to strugle with the payment and had noidea howt o argue the unauthorized items. 

Never the less, XXXX XXXX XXXX continues to practiceshady principles byenetering reporting dates of 2019 when the account was closed inXXXXmorethan13 years ago. The items SHouldhave been removed on time alone but Icontinue to struggle with the CRA 's to take notice and remove them and they continue to rob our right of a full life that my husband and I deserve. 

FCRA laws point to the fact these should be removed desopite XXXX XXXX XXXX shady reporting and zim hoping you folks willbring them backto reality.
Consumer complaint received 2022-06-17
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. (TX)

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it pertains my request.
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting act. XXXX XXXX, XXXX Account # 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 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

to remove wrong addresses ' from credit report, XXXX XXXX XXXX XXXX, or and also the XXXX XXXX XXXX XXXX, or i have never lived at those places.
Consumer complaint received 2023-04-07
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. (CA)

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. 

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 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 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 2024-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (AZ)

1. Business Debit Card ; 2. Business Credit Card ; 3. Online Business Account Access Information Note : None of # 1-3 were provided and the bank closed the account without notifying and failed to refund the {$5.00} account deposit. 

Spoke to XXXX and later with XXXX ( XXXX XXXX Banker ) : US Bank does not intend to return the {$5.00} deposit and it claims there are Gold fees ( per month ) which was not communicated at the time of opening the account and no service was provided since XXXX XX/XX/year> with regards to the business account.
Consumer complaint received 2022-06-17
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. (AZ)

In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/XXXXAccount # XXXX, XX/XX/XXXX # 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 states a consumer reporting agency can not furnish a account without my written instructions.,
Consumer complaint received 2022-06-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc. (CA)

In accordance with the Fair Credit Reporting act Designed Receivable has violated my rights. Three times on all three credit bureaus. 

in the Amounts of XXXX. XXXX XXXX. XXXX XXXX. XXXX
Consumer complaint received 2022-06-17
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. (AZ)

In accordance with the Fair Credit Reporting actXX/XX/XXXX XX/XX/XXXXAccount # XXXX, XX/XX/XXXX # XXXX, XX/XX/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 states a consumer reporting agency can not furnish a account without my written instructions.,
Consumer complaint received 2022-06-17
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. (MI)

These items are not mines and do not belong to me. these items are identity theft and I am asking that they are removed as the addresses and name does not matchXX/XX/XXXX XXXX BANK {$1000.00} Account number XXXX andXX/XX/XXXX BANK XXXX {$560.00} XX/XX/XXXX Account number XXXX XX/XX/XXXXAccount number XXXX XXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XX/XX/XXXX Original creditor : XX/XX/XXXX XX/XX/XXXX Account number XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Reference number XXXX
Consumer complaint received 2020-06-12
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. (FL)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$8800.00}
Consumer complaint received 2024-12-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I have car insurance with USAA and have attempted to get my car repaired through the dealership multiple times and they failed to repair my vehicle. I have a claim with USAA for a XXXX XXXX XXXX in which I am trying to retain my vehicle. USAA, XXXX  and I spoke on a conference call on XX/XX/XXXX in which XXXX said that I could retain my vehicle and they just need the updated information to reflect the salvage value of my vehicle. XXXX  specifically stated that they do not offer letters of guarantee but we were on a recorded line and this validates the call or guarantee. I keep emailing and calling USAA and they have not really responded. Today, I received an email stating that USAA had sent payment. I called XXXX and they stated that they never received the updated amount so GAP could pay what they were going to pay. So, I am not sure what USAA is doing but I need to keep my vehicle because my son is in XXXX XXXX  and I am not working as much and I am not sure what will happen next. I received information from XXXXUSAA re : the title but I do not want to participate in this process because I want to retain my vehicle. Please assist. The date of the claim is XX/XX/XXXX and I am still making car payments because this has not been resolved. I saw the amount USAA is paying on today and they have the title going to XXXX who should not receive the title because they are only paying the salvage amount and my gap insurance will pay the balance. Again, I am paying car notes and I keep getting the run around. Again, the damage was XX/XX/XXXX and I have paid car notes up until now. I have been calling about keeping my car for over a month. I am overwhelmed and stressed out. This has been a difficult process.
Consumer complaint received 2022-09-17
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. (CA)

There are many accounts on my report that are inaccurate I would like them investigated and removed XXXX. Date last active, date open account status last time active the list goes on multiple accounts with inaccurate information grounds for deletion " usc 1681 a under the FCRA I have Rights to privacy and my rights have been violated please review documents thoroughly thanks XXXX XXXX
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Reporting Credit Act XXXX Account ( XXXX ) *XXXX XXXX  XXXX XXXX XXXX ; *XXXXDept of ED-ACCT # ( N/A ) ; XXXX XXXX XXXX XXXXXXXX # XXXX have violated my rights : 15 USC 1681 Section 602A states " I Have a Right To Privacy '' 15 USC 1681 Section 604 A/Section 2 also states " Consumer Reporting Agency can NOT furnish my account without my " written instructions ''.
Consumer complaint received 2023-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

This is about loan forgiveness. I applied for TPSLF/PSLF long before XX/XX/2022 ( in the summer ). I was with XXXX and then was transferred to Mohela after I had already met the 120 qualifying payments ( I actually have over 140 qualifying payments as shown on the Mohela site and confirmed by two different customer service agents when I called during summer, during fall and now during spring ). When I called Mohela the first time in XXXX, I asked how long it would take for forgiveness since I had met the requirements for the XXXX in the summer and before being transferred. I was told then that it would take 90 business days after Mohela verified the 120 qualifying payments. It had been over 90 business days. I then received an email from Mohela in XXXX that one of my TPSLF/PSLF was denied because it was not signed. I uploaded the correctly signed form again because apparently XXXX might not have sent the corrected form, even though the issue had already been resolved when I uploaded the correctly signed document in the summer. I called Mohela and was told that uploading the form was not necessary and that my information was already forwarded to XXXX XXXX XXXX for verification and forgiveness, which would take 90 business days. I called Mohela at the of XXXX to ask about progress. I was then told that XXXX began the 90 business days because of the same form that had already been addressed in the summer and again in XXXX. I have been lied to and misdirected. I am sick and tired of dealing with incompetence. I want action now. I did what was supposed to do. I want Mohela to do what they are supposed to do.
Consumer complaint received 2022-06-17
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, DEPT OF ED / XXXX account # XXXX balance of {$1000.00} DEPT OF ED / XXXX account # XXXX balance of {$2300.00} DEPT OF ED / XXXX account # XXXX balance of {$5100.00} XXXX XXXX XXXX XXXX. 
account # XXXX balance of {$3600.00}. These have 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 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 — Problem with personal statement of dispute
Company: MSCB, Inc. (TN)

Are you the original creditor? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2022-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems (SC)

I reached out to Financial Data Services requesting why they are reporting on my credit report, details of debt, and deletion several times. This company surprisingly showed up on my credit report as a Collections Account yet NEVER mailed or emailed me a bill. This is a direct violation of the NO SURPRISE Act and I am demanding an IMMEDIATE deletion. Not only is this a violation of the NO SURPRISE Act but also a violation of the Privacy Act 15 U.S. Code 1681 602 ( a ) ( 4 ), I did NOT consent to Financial Data Services to report to my account 15 U.S. Code 1681s 604 ( a ) ( 2 ), or access details to any medical records as a violation of HIPPA laws. Account Numbers are as followed : XXXX {$610.00} XXXX {$360.00} XXXX {$370.00} XXXX {$460.00}
Consumer complaint received 2022-07-18
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. (FL)

In accordance wi the fair credit reporting act, XXXX account number 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 an account without my written instructions
Consumer complaint received 2023-04-05
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. (NY)

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 2024-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

My XXXX purchase posted on XXXX. It was correctly coded as a grocery purchase according to the XXXX code of the transaction. However Citi refused to issue 5 % rewards even though this is the top transaction category ( grocery ) for my custom cash card. See screenshot
Consumer complaint received 2023-04-05
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. (PA)

I am writing to file a complaint regarding inconsistencies, inaccuracies, missing information, and credit bureaus not performing proper investigations on several accounts on my credit report. I have attached a copy of each account and screenshot of my credit report Upon reviewing my credit report, I have found several errors that are negatively impacting my credit score and financial well-being. Specifically, I have identified the following issues : Inaccurate information : Some of the information on my credit report is inaccurate, such as incorrect account balances, dates of delinquency, and payment history. 

Missing information : Some accounts that I have closed or paid off are not listed on my credit report, which is preventing me from demonstrating my creditworthiness. 

Inconsistencies : There are inconsistencies in the way my personal information is presented across different credit bureaus, which is causing confusion and potential identity theft risks. 

Improper investigations : Despite disputing some of the errors on my credit report previously, the credit bureaus did not perform proper investigations and have failed to correct the inaccuracies. They have violated several FCRA laws and they were not fair in their investigation and reporting. 

These errors are impacting my ability to obtain credit and are potentially causing harm to my financial reputation. I have attempted to resolve these issues by contacting the credit bureaus directly, but I have not received satisfactory responses. 

I am requesting that the CFPB investigate these issues and take appropriate action to ensure that the credit bureaus are held accountable for their actions.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am writing to follow up on my previous dispute regarding several inaccurate and unverified negative items on my credit report. Despite my prior and multiple communications, these items have not been removed.