davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (ME)

My credit card account was sold from XXXX XXXX to Goldman Sachs. After the transfer, my auto payment had to be set up with the new company. I attempted to do this on their website multiple times, and got a confirmation page each time and in the meantime began to receive notices that my payment was past due. They have reported two payments in XX/XX/2022 showing a delinquency of more than 30 days. I asked them to remove them due to a system error that caused my payment to be late and they said they would not. Prior to XX/XX/2022, there has never been a late payment on this card and I have held it for over six years. 

Additionally, their system is unreliable. On XX/XX/2022, I was unable to access my account on their website, app, or by phone. My XXXX payment was due on the XXXX and there was no possible way for me to pay it. I paid it on the XXXX when I was able to and they canceled that payment without reason and applied a {$29.00} late fee to my account. On the XXXX, I phoned them to correct the payment and late fee and they declined to do either. 

This company is run poorly, behaving unethically, and offering no resolution to the problems they are creating.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (WY)

I checked my credit and noticed a debt from Community Bank /Victoria 's Secret for {$480.00}. This is the wrong amount as the balance is only {$300.00}. I contacted the creditor to discuss the balance reporting, and was treated rudely. I am not admitting any guilt while offering to settle the account for {$300.00} and I would like the trade line deleted from my credit report after {$300.00} has been paid.
Consumer complaint received 2022-05-25
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)

In accordance with the Fair Credit Report Act, XXXX XXXX Account Number : XXXX ..., XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account number : XXXX, XXXX XXXX  XXXX Account number XXXX ...., XXXX XXXX XXXX  Account number XXXX .... XXXX XXXX XXXX XXXX Account number XXXX ... .has violated my rights. 

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

15 U.S.C 1681 section 602 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

I am a loyal customer of Coinbase and referred several friends and family members to open a Coinbase account. On XX/XX/21 my Bank account had two charges from Coinbase which I did not make ( {$1000.00} and {$110.00} ). I contacted Coinbase to get an explanation for the two charges. Coinbase immediately suspended my account and assigned a Case # XXXX. After contacting Coinbase in efforts to change my password and regain access to my account. I received an automated email stating it normally takes 4-5 business days for a specialist to review my case, which this has been 15 days now with no response or update. Since then I have made repeated attempts to contact Coinbase with returning emails of any updates. I would like my case expedited and account re-opened since there was not a problem with my Coinbase account, it was charges on my Bank account from Coinbase. The account is in excess of {$300000.00} US and I have no access to verify my account balances. I will update what happens from here and timing to access my Coinbase account again.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX OF XXXX is reporting that on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MO)

On XXXX a fraudulent charge was made on my US bank debit card. I noticed the charge and called card services. The money was temporarily deposited back. 
XXXX I received a letter from card member services that the charge would be allowed and would be taken out of my account on the XXXX. I called on XXXX and was told to wait for a return call. Received a return call on XXXX, was told they allowed it because they had my contact info, I tried to explain my information had been stolen through a fraudulent website, the call cut off. I tried calling back several times finally left a voicemail. XXXX I called again was told it was still pending and wait for a return call, did not receive a return call and the money was taken out of my account on XXXX. XXXX I called again to try to speak with someone else, was transferred to 3 different people. Result of that call was for me to wait for a return call from someone else. Im just getting the run around and no help at all.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

The Following inquires are showing up on my credit file and and are not supposed to be there. Just because the are there does not mean that someone is using my credit or trying to obtain credit in my name. It simply means that the credit bureaus allowed the following companies to look at my credit, possibly through some promotional offer without my permission. The credit bureaus are bad about doing this and need to be warned. 

XXXXTHIS COMPLAINT DOES NOT MEAN THAT THERE IS TO BE ANY KIND OF ALERTS OR SECURITY FREEZES PUT ON MY FILES. IF ANY OF THE 3 CREDIT REPORTING AGENCIES DO THIS I WILL FILE A COMPLAINT REGARDING THAT*** 1. XXXX XXXX inquiry from XX/XX/XXXX REMOVE 2. XXXX XXXX Inquiry from XX/XX/XXXX2019 REMOVE 3. XXXX XXXX XXXX XX/XX/2019 These companies send you material in the mail and when you log on and put your personal information in then they ding you for a credit inquiry. I did not authorize any of these companies to do a hard pull on my credit and these need to be removed immediately from my file.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

Equifax is reporting the following addresses in errors. I have offered to show equifax my tax contract bill for my home ownership of XXXX XXXX XXXX XXXX as of XX/XX/XXXX and they ave refused and correct the errors. The current address is correct accept for it should show XX/XX/XXXX not XX/XX/XXXX I have had to file a identity theft reports due to protect myself address against fraud of which it happened again with them due to their two security breaches at equifax of which i was a victim and they never sent me the claim forms for the expenses i incurred. The Fraud also happened in another state of which i have documents to show where i was violated on my addresses with equifax in the state of Minnesota. 

Equifax has my former address of which i never lived there in XX/XX/XXXX, The information is conflicting and fraudulent so when i apply for credit it makes me appear to be unstable. This information should be deleted immediately because i challenge equifax to show me a lease or mortgage from either address so that i can have XXXX XXXX attorneys to investigate for a lawsuit of either address being in my name of XX/XX/XXXX.Below it shows two conflicting years. The former address and years needs to be deleted immediately XXXX XXXX XXXX, XXXX Ohio XXXX Reported XX/XX/XXXX XXXX XXXX XXXX, XXXX Ohio XXXX Reported XX/XX/XXXX This information is deceptive in equifax and needs to be deleted as former how can I live at three different addresses all in XX/XX/XXXX including the current. I dont under that i have a fraud alert with my current phone number and they did not even contact me about my address as a fraud alert victim.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank (GA)

Synovus Bank XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Whenever I as asked the teller to give me a printout of my checking account through the drive thru, one was never given. I would pull off and not get the copy. Also, my daily limit was supposed to be XXXX. On some days the bank allowed withdrawals over the limit.However, the ATM at XXXX XXXX  XXXX XXXX XXXX Georgia either malfunction and my funds were being taken out by someone who had my information because the card was stuck in the machine before I realized it. I went back to the store and one of customers gave me the card. More than XXXX plus was taken from the account. When I realized what was going on from working 12 hours shifts, I reported it to the bank. The bank said they would return my call which took more than a week. I gave them the information as best I could and went about my business. I also asked them why were they charging fees during COVID19? The bank went in and refunded the maintenance fees but not my money because it was so many disputes. A representative called and told me to file a police report. I asked her if I had to pay for it. I also told her that the rep that took my statement said they were going to put it in as fraudulent because saying ATM machine malfunctioning or having glitches sounded suspicious. I said whatever because I had friends tell me that either the machine had a faulty dispenser, worn out card reader, damaged or broken keypad, software glitches or receipt malfunction. The ATM machine I used at the above address did not dispense a paper receipt whereas I had no proof to submit to Synovus Bank. The representative said she would call me back if they needed me to file a police report. No call was made back to me. However, I received the results from them saying the withdrawals are all accurate and no funds charged back into my account. Something happens and I could be wrong but this has been going on for awhile. Yes, I have used the machine in the past but I was completely wiped out of my funds. So if the withdrawals were accurate, then why did they refund the maintenance fees and why has an attorney contacted me saying that Synovus placed charges on customers accounts when they should not have. All I know is that recurring and consecutive charges were made on my account either by the store where I once frequented because I stopped on the way home from work or someone in the bank accidently printed too many charges. The bank says this kind of thing never happen, but it does. However, someone knows how to use a debit card with and without a pin number. The bank says to report these activities and they will cover the charges but they don't. They need to send me the actual investigative report so I can know I was not scammed and who took the rest of my money.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (AZ)

To whom it may concern, Sallie Mae has tarnished my credit report in error. I usually submit payments via their mobile application with no issues and for some reason the payment kept getting rejected last time when there are funds in the account to cover the payment. I have submitted bank statements on my previous record and it and screenshots from their application and it was not taken into consideration. The application showed the status of rejected twice. I called their support personnel to only be told to contact my bank. After a third try on the payment submission the payment went through. I believe this is an unfair reporting and needs to be removed. I have contacted the company, but their customer services reps are disrespectful and are not willing to work with me on removing this negative mark out of my record. 
This also happened during COVID-19 and when I was finalizing a move after my divorce. 

I would like this negative mark to be removed. I'm having issues trying refinance and credit card companies are lowering my limit due to a hit of 70+ points negatively affecting my credit.
Consumer complaint received 2020-05-15
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)

I HAVE SEVERAL INACCURATE INFORMATION ON MY CREDIT REPORT, ACCOUNTS THAT MY NAME IS MISSPELLED SEVERAL WAYS XXXX DIFFERENT WAYS ADDRESS I HAVE NEVER LIVED AT JUST COMPLETELY INACCURATE YOU ARE RESPONSIBLE FOR REPORTING ACCURATE INFORMATION AND THE INFORMATION I WILL PUT IN THE DOCUMENT SECTION THE MISSPELLING OF THE NAMES ARE LINKED TO SEVERAL UNKNOWN ACCOUNTS 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 THESE COMPAINES ARE REPORTING DEBTS AND THEY ARE UNKNOWN/FRAUD I WILL BE FILING WITH THE COMPAINES INDIVIDUALLY WITH A POLICE REPORT NEED BE. 
ADDRESSES THAT ARE INACCURATE XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX TEXAS NAME SPELLING INACCURATE NAME IDENTIFICATION NUMBER XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I TRIED TO GET THE UPDATED INFORMATION AND I WAS UNABLE TO GET MY FREE REPORT FROM ALL THE FRAUD MY SOCIAL IS LOCKED?
Consumer complaint received 2020-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Navient is in violation of the CARES ACT, which prohibits attempts to collect defaulted student loans. The attached photo shows the date of the letter from Navient. 

On XX/XX/2020, I spoke to a Navient representative and asked that all contact and correspondence cease and desist, according to the law under the CARES ACT.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (NJ)

I ordered through Paypal on XX/XX/XXXX and never received headphones. On XX/XX/XXXX I contacted Paypal and have requested a refund. For the last month I have been given the run around and still have not gotten either the headphones nor my money back. First date the gave for resolution was XXXX then XX/XX/XXXX then XX/XX/XXXX. Now its up to XX/XX/XXXX. At this point all I want is money back so I may close my Paypal. This company takes your money but offers no relief for its members. They protect sellers not those who buy and would encourage all not to use Paypal.
Consumer complaint received 2020-05-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

My loan was transferred from XXXX  XXXX  to Loancare Services effective XX/XX/20. 
I was setup on auto draft with XXXX  XXXX  but after transfer to loancare, there are no clear guidelines as to what is the process for me. I was waiting for the draft to happen but it did not occur till XX/XX/20 so i went ahead & made a one time payment of my monthly installment. Today on XX/XX/20 i see auto draft as well as the one time payment which i made on XX/XX/20. All these days i have been trying desperately to speak to a customer service rep but it is impossible to get help. Today i called XXXX XXXX for help & spoke with one of their customer service rep XXXX, even she could not get the representative from Loancare Services on the phone for me. I am frustrated with this kind of service, please help
Consumer complaint received 2020-05-15
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. (CA)

The below accounts do not belong to me I have been trying to resolve this issue but I get nowhere, I'm a XXXX veteran and I'm trying to buy a home and this is stopping me from doing so, all the accounts info is below. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Account # XXXX XXXX XXXX XX/XX/XXXX Balance {$1500.00} XXXX Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$690.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$630.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} Account # XXXX XXXX   XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$260.00} Account # XXXX XXXX   XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # XXXX XXXX   XXXX  Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$100.00} Account # XXXX
Consumer complaint received 2022-09-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I discovered that some of the accounts on my credit report are incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-06-21
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: EQUIFAX, INC. (HI)

I was not late on my accounts, I wonder why Equifax, XXXX and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received my XX/XX/2019 statement for my credit card with Bank of America. The closing date on the statement was XX/XX/2019, and the minimum payment requested was {$340.00} due XX/XX/2019. On XX/XX/2019, I made a {$400.00} payment to this account and on XX/XX/2019, I made a {$100.00} payment to the account for a total of {$500.00}. As such, I paid {$160.00} above the required minimum payment due XX/XX/2019. Nonetheless, Bank of America is stating on their webiste that I still owe {$230.00} for the XX/XX/2019, payment. I tried to resolve this issue over the telephone with a telephone representative without success. Now I turn to your agency to act on my behalf.
Consumer complaint received 2020-05-15
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 the date of XX/XX/XXXX of 2020 i placed a complaint and dispute to the company and or bureau of XXXX XXXX. After waiting on a response, transunion deleted most of the requested items proven to be fraudulent or taken without my authorization. However, there still remain a inquiry from XXXX XXXX   that do not belong to me there are phone number and addresses that do not belong to me. I requested that transunion remove every phone number that was not my original and only phone number XXXX. Every address should be removed from my credit file other than the 2 addresses I've lived which are XXXX XXXX XXXX XXXX XXXX tx XXXX and XXXX plantation XXXX XXXX XXXX tx XXXX. Every other phone number and address should be removed. Also, I contacted equifax, sending them a copy of my driver license and police report along with all requested info to prove my real identity. Equifax have not responded with any updates, deletes or changes to my credit file. I sent them copies of receipts where i contacted the reporting collectors and i did not receive a response from them as well. I have several inquiries and collections placed on my credit file that is not mine. These accounts were taken without my knowledge, authorization and or approval. In response to my complaint I am requesting that all of these accounts be immediately deleted all addresses and phone numbers removed and inquiries deleted from my file in that the impact of this erroneous reporting has effected me tremendously.