davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (PA)

This issue related to my Apple Card from Goldman Sachs Bank USA, which I used to make a payment for installment plan for new cell phones XXXX XXXX XXXX ( 2 phones ). Every single month I have being overcharge in my bill, last time bill for XX/XX/2021 instead {$78.00} was {$120.00}. 
When I called to Apple company financial department about this extra charge, they spend over 2 (! ) hours with me on the phone, trying to find out reason for extra charge, and after all, they say " its for us unknown charge, don't worry it will be taken off from your bill by Goldman Sachs Bank USA ( owner of Apple card ) ''. I called them number of times to resolve this problem Apple always transfer me to Goldman Sachs Bank USA, and skip to resolve this problem without Goldman Sachs Bank USA. 
I start calling Goldman Sachs Bank USA number of times, almost every week during half of XXXX and XXXX, I spend on phone with them dozens hours (! ), every time new rep Goldman Sachs Bank USA, fill up for me dispute application related overcharge, all this time I was on the phone line, and promise me to resolve this problem, because they don't know anything about this charge too - same as Apple XXXX,. 
But every time it was useless, and after one week I always received note that my dispute was decline. 
My problem still exist and Golden Sachs together with Apple Card continued overcharge me.

Goldman Sachs Bank USA reps provide very poor and unprofessional service - such as so bad communication skills, unknown Goldman Sachs Bank USA payment system and online application, they always don't able provide me with clear explanation - why they charge me over, and very often just disconnected with me when I ask for supervisor, or made me stay on waiting call for an hours (! ), and after all - anyway disconnected. 
In my last statement Goldman Sachs Bank USA, for XX/XX/2021 charge me {$120.00} but, my installment plan is {$78.00} per month. 
I ask Goldman Sachs Bank USA, AGAINE, provide me with clear answer, why my bill over for XXXX? ... 
Reps Goldman Sachs Bank USA say : " its a balance from XXXX '', I provide them with proof of full payment for XXXX, after it, reps of Goldman Sachs Bank USA, change mind, and say : " this is a balance for XXXX ". 
But I don't buy anything with this card in XXXX, XXXX and XXXX, I don't use this card at all ... 
By agreement with Goldman Sachs Bank USA, my installment plan coast only {$78.00} / month, and no XXXX more. 
I don't understand why this company, Goldman Sachs Bank USA, continued abused me ad overcharging every single billing cycle? 
My Apple Card from Golden Sachs number is : XXXX, physical card number ... XXXX.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion XXXX and XXXX is reporting serval duplicate inquires that I didnt do and would not remove them especially transunion and XXXX I had a freeze on my accounts and yet not being notified if Im authorizing a creditor to obtain information I want all my inquires removed especially all the doubles triple inquires I have
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-02-11
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: AMERICAN EXPRESS COMPANY (GA)

Company : American Express Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Problem : Account Status closed in credit account with XXXX. 
Detail : 2 of the account with American Express is listed as " CLOSED ''. These were business account strictly. I am proving my SSN for American Express to pull my record to make necessary correction with my credit account. 
Our XXXX has gone through a fraudulent experience in Hawaii in 2017. All our investment, our records, documents were fraudulently possessed by group of people. 
This is when we were advised to close all credit accounts immediately. 

We have taken necessary legal actions against these activities. The legal actions are in the process. This had brought us financial hardship. 

We are trying to be clean up the mess and inaccurate information that is hurting the credit and unable for me to obtained necessary loan. 

Please remove the CLOSED status from credit account immediately.
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion XXXX XXXX the date of the last letter was on XXXX 2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-01
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. (MS)

I had an old charged-off account on my Experian and XXXX credit reports from XXXX that was reported in XXXX. In XX/XX/XXXX I decided to pay the balance of {$170.00} in full, which at the time seemed like the right thing to do. After over a month went by without the account having been updated on my Experian and XXXX  reports to reflect my payment, I filed a dispute with each agency. 

On the 29th day after I submitted the disputes I received notifications from each agency that they were completed. I reviewed the information on my XXXX report and it was inline with what I expected : the account showed that it was paid and there was no substantial change to my credit score. I then reviewed the information on my Experian report and couldn't believe what I was seeing. My score dropped XXXX points from XXXX to XXXX. The only thing that had changed on my report was the old charged-off account I disputed had been updated to show that I paid it. 

I do not think its right for your credit score to drop just because you did the right thing and paid off an old charged off account. I'm pretty sure most people would agree. After speaking with folks at Experian, it appears that XXXX updated my Experian report differently than what they updated on XXXX That difference cost me XXXX points on my score. I submitted another dispute but that one came back today without fixing the problem. Now, Experian 's website won't even allow me to submit another dispute to provide them with more information.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Frankly the credit reporting is a total farce. They never resolve and always take the lenses position. Humiliating and attempts leave nothing but legal action. Here is there last report. They refuse to accept my input stating it's resolved! IT IS NOT AND NEVER IS!!!!!
Consumer complaint received 2021-02-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc. (NJ)

The company is Mr. Cooper/Nationstar Morgage company. After getting out of the Pandemic Forebaearnce program I have been up to date with my account and payments. It is in good standing and it has been in good standing more the majority of the mortgage 's lifetime. in 2015, there were late payments and delinquency reports on my credit from the company due to a modification process that has been cleared up back in XXXX. Since then I have never had a late payment or anything on my credit report. It was weird how after we got out of the forbearance and made the first payment there was a 100 points ( from low XXXX to low XXXX ) drop or negative impact on my credit report from the same delinquencies in 2015. I have reached out to the company and emailed them and they only state that they started an investigation but no one has communicated with me or I have not received any updates. I am in the middle of getting another mortgage so I need to fix this error.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (OH)

on XX/XX/15 i made a purchase at Kohls while out of town, I had Kohls cash due to expire that day, but not with me and the clerk could not find it on my account. she said i could contact customer service the next day when i was home and they would apply it for me. 
The next day i sent an email asking for them to credit my XXXX kohls cash and forwarded copy of receipt along with the details of trying to use it at store. I never heard anything. 
i contacted kohls via chat on XX/XX/XXXX spoke with ( XXXX XXXX ). I forwarded my receipt and kohls cash number and pin, explained to him what had happend and XXXX XXXX said he would manually take care of this and credit my account the {$20.00} and the taxes that would reduce with taking the XXXX off the bill. he said allow 7days for this to take place and he gave me the following reference number XXXX. 
I have since then received XXXX more statements. i have called the customer service number asking for help to resolve this and have been on hold for over XXXX hours total and now have late fees, finance charges and most disturbing been reported to the credit bureaus. during my calls with customer service i have tried to explain the situation to several different CSR 's and have asked to speak with a supervisor three different times. I was hung up on once and the last two times transferred to I assume a supervisor voice mail where i left my contact information and asked to be contacted and i have never heard back from them. I feel this is a XXXX  issue and now a FCRA issue with the reporting to credit bureaus. Can you please help me clear this up. I am amazed that all this has happened over {$20.00}. i have included my write up of conversations, copy of receipt and copy of kohls cash email. Please help. thank you
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This complaint is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there are still items that are reporting as inaccurate and incomplete information. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am seeking your assistance in the verification of the disputed data from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2021-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-02-11
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: Experian Information Solutions Inc. (DE)

XXXX XXXX has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

The original default date with original creditor ( XXXX ) is XX/XX/XXXX. Portfolio Recovery in response to my initial dispute presented information that represents a false picture by submitting a bill from XX/XX/XXXX as evidence of account accuracy. This is misleading and skirts the fact that this account has been in default status for over 7 years. XXXXXXXX also did not investigate to determine this fact.
Consumer complaint received 2020-12-04
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: Experian Information Solutions Inc. (NV)

Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on/around XXXX XXXX 2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been more than 4 months and I have not received a formal written response back from Experian or XXXX. I know that the credit bureaus received my requests because I did receive a response back from XXXX.
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent multiple letters of dispute over the course of 5 months dated XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.
Consumer complaint received 2020-12-04
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: Experian Information Solutions Inc. (TX)

( XXXX ) XXXX < -- - PHONE numbers are NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- - ADDRESS HAS NOT BEEN CORRECTED, NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX XXXX Potentially Negative Status Open. 
Account Type Credit card Balance {$600.00} XX/XX/XXXX U.S. DEPARTMENT OF EDUCATION XXXX Collection account. {$5500.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX < -- - ACCOUNTS are NOT MINE.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This account should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX {$1400.00}
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have lived at my current address since XX/XX/XXXX. All of my accounts are tied to my address even previously opened accounts yet Experian still have a po box and my previous home address still listed on my credit report stating that creditors supplied that address. Never lived at a post office box and havent owned my previous home since XXXX. Remove those outdated addresses
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (SC)

Hello, please be advised this is my second time disputing this inaccurate information taking up my time to do so with no accurate resolution. None of the accounts disputed had accurate information and was not reporting correctly. This has ruined my life and affected my chances of getting a mortgage so i can move my parents to a better and safe home and it is important mostly of this pandemic. i don't want them to catch the virus so please hear me out. A few days passed and I still did not hear anything back.