davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (VA)

Several months ago I made a purchase using my Apple credit card from XXXX for 2 10tb hard drives. XXXX  send 2 cheap hard drive cases instead of hard drives. I initiated a complaint and request for a refund from XXXX and when they were unresponsive, I placed the charge for {$110.00} in dispute with Goldman Sachs the issuer of the Apple credit card. 

1 week ago they sent a request for more information via email and provided a 7 day deadline to send more information. I had not seen the email request and today they denied the chargeback for the fraudulent charge. 

XXXX has the known reputation for sending inferior merchandise and in this case, they didnt even bother to send merely inferior merchandise, they sent some entirely different than the described product. This is the situation that anyone would expect the credit card company to protect their customer. 

I have included pictures of the listed item vs. what I was sent.
Consumer complaint received 2022-07-28
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: CLGF Holdco 1, LLC (TX)

In accordance with the Fair Credit Reporting act 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 2022-01-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (MA)

I took a loan from mountain america credit union.I was supposed to pay off in 2years. I had issues at work so I called them to hold payment for 3month.After I get job and went to pay them off they refused to take my calls.When I called them back. In a times they send me to Utah and I will be on the phone for hours or more.Then the phone dropped without no one will to answer.Then I waited several time to get mail or email nothing.Late on several scam companies calling me to pay money which is more than 2 times what I owned the bank. This i decided followed up again but they said they have no idea.Next thing I saw on my credit the amount that is more than what I owned them. I think as human being I have not been treated fairly with this bank.but they rather taking advantage of me.I need help to resolve this issues.i have family to provide for including sick mother.i don't went anyone XXXX  my life and suppress me to their own satisfaction.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

The payment status reads charged off/collection. 
And the account type reads as its an open account. The account was actually paid in full of {$290.00} I believe the date was XX/XX/2018. But account status read derogatory. I have asked for the account to be remove because how it reads its hurting my profile.
Consumer complaint received 2022-01-05
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. (OH)

I have been trying to fix my credit for a while now and seems like everyone is making it so extremely difficult. My attorney sold off my bankruptcy and they in turn kept most of my discharged debt all over my reports appearing too look innocent but in reality they secretly report and from other credit monitoring apps. I learned a lot this whole struggle. I wish there were someone who really cared and would go after people for doing others like this. All i want is a small house and the least these companies could is correct the items so i can have a small chance. But this issue Im having { amongst a lot of other discharged accounts } On this one account I thought was very suspecious. because none of the information makes sense too me.. I asked the company to validate the account and once they did, it came back with another name. That has never been my name, I havealways held thr same lastname my whole life, After discovering the account wasnt mine, I contacted Experian and XXXX, Its been well over the 30 days and according to Federal credit law, spelled out in the Fair credit reporting act. FCRC a credit bureau is required to respondand complete their investigation within 30 days ... ..If they do not, they must remove the item in question!
Consumer complaint received 2023-03-21
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. (PA)

In XXXX of 2018 a bill I had with XXXX XXXX XXXX was fully and completely dismissed ( I have the record confirming this ). Despite this, a collection agency began trying to collect on this bill later in 2018. 

Earlier this month I disputed the delinquent account with Experian. They updated my credit report, but instead of showing 'paid in full ' they updated it to say it was 'impacted by a natural disaster XXXX '. This was before XXXX. The bill was fully discharged. This is fraudulent. I am a XXXX veteran and they are trying to collect on a paid bill. Experian is complicit for not removing it.
Consumer complaint received 2021-08-22
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. (MD)

On XX/XX/2021 TransUnion received via USPs Certified mail a written request to update my credit file with them, ( see attached request ). Transunion responded without updating nor did they correct the requested information. I also included my Maryland State ID Card and my social security card as identifying proof.

Transunion is still reporting inaccurate information on my credit report which is a direct violation of FCRA.

Transunion is reporting inaccurate information such as WRONG DATE OF BIRTH, WRONG ADDRESES AND WRONG PHONE NUMBERS, when documented proof of the CORRECT date of birth and address has been summitted to them.
Consumer complaint received 2019-09-16
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I have a car lease with JP Morgan Chase Bank Auto Finance. I am not disputing anything on my credit reports in regards to my car lease. On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my car lease with XXXX XXXX. 

On my XXXX regarding the same JP morgan Auto Finance account. The remarks section says " Consumer disputes this account information ''. The remark section shoul be blank. I am not disputing anything with Chase Auto Finance.
Consumer complaint received 2021-08-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Someone is attempting to open accounts in my name which is fraud. Please delete these inquires from my credit report because they are not being done by me.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I was locked out of my XXXX account since XX/XX/2022 and unable to make payments. There is no phone number and I have sent numerous emails which are not responded to. I was able to gain access to my account in XX/XX/2022 and my account was listed as a 30 day late notification which showed on my XX/XX/2022 credit file. I since have sent multiple emails that still have not responded. The only means of contacting customer service with XXXX in clicking a link for support which no one responds to. This 30 day late has tremendously affected me as I was going to closing for my first home and this negative notation on my report has halted that. Also, XXXX start charging an XXXX dollar fee which there was no option or ability to close account due to this fee
Consumer complaint received 2020-07-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (GA)

We closed last Thursday, got the clear to close, closing disclosure, everything. At the closing table the buyers wire hadnt cleared yet, he showed proof. They wanted to wire me my profit. I felt hesitant but did it anyways. Was told the money would be in my account by the end of that day. Turns out there was a condition on the loan. Here it is a week later. Ive been given the run around since closing. The processor quit the day before closing and they allowed us to close without making sure everything was fine on their end. So my house is still in my name, the buyer is living there for free, my home has had no insurance since we closed. And the funds still havent been approved/distributed. This is absolutely ridiculous. They made a mistake on their end and it should have been fixed Monday! This is so unprofessional and has had caused so much stress and if not resolved I will be getting a lawyer. They need to fix this, I dont care what they do.
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

On XXXX XXXX XXXX I purchased an XXXX  online, using my Citi card, The XXXX  was never delivered and the merchant wouldn't respond to emails.I filed a dispute with Citi, which was denied. I found that their customer service agent erroneously filed it as a cancellation, not non delivery. I have waited on hold for hours, and spoken to them 7 different times. They re nice enough on the phone, but keep responding in writing that they ' re denying my claim due to conflicting information ( THEIR MISTAKE, NOT MINE ) and that I need to contact the merchant, who, as they know, doesn't respond to my emails. ) Citi states that the merchant claims that he sent XXXX  but " can't provide '' documentation or proof. I am XXXX  and need the XXXX  to get around. My card was charged, but product not delivered. Please help.
Consumer complaint received 2022-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (IN)

My car was repossessed on XX/XX/XXXX, I paid all amount due to get the car back on XX/XX/XXXX. I still have yet to receive my back and Wells Fargo had no idea where the car is. They also threw all my personal belongings that were in the vehicle including the plate away as well! Ive talked to them every single day since it was paid and receive a different answer every time. I am having to pay out of pocket to get to and from places and a car payment for a car they arent giving back.
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (VA)

Never received bill in month if XXXX but when i received XXXX bill, I saw missed payment and paid required amount. 

Phone calls from the bank coming all hours of day and night. Had to install robo killer device on cell. The continue to disquise calls as unknown. I request them to stop as payment was made electronically thru my bank and confirmed delivered.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 45 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2024-10-31
Product: Credit reporting 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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-25
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. (PA)

XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} EQUIFAX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}XX/XX/XXXX5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}
Consumer complaint received 2022-01-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( PORTFOLIO RC XXXX, PORTFOLIO RC XXXX )
Consumer complaint received 2021-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (MT)

On XX/XX/2021 I created an account with XXXX XXXX XXXX. I deposited {$500.00} through a bank transfer ( XXXX XXXX ). I then purchased {$500.00} in XXXX. 
I have done nothing else with this account. I haven't transferred any XXXX or transferred XXXX back to cash or any other cryptocurrency. 
On XX/XX/2021, I experienced a problem logging into my account with my password. I then requested a reset password email link which I received, clicked on the link and wasn't able to reset my password. I contacted XXXX customer service and they told me to wait 2 hours then try again. That was also unsuccessful, as have been the following 15 times I have attempted to reset my password which is a simple process. 
Each time I have contacted Kraken customer service and they give me a different reason why it's MY FAULT I can't reset my password. I have tried all of their suggestions and I'm essentially locked out of my account. I have asked XXXX to transfer my funds back to my bank and close my account and they refuse to do it! 
I have spent 3 days trying to access my account! 
XXXX has locked me out of my account! This is fraud/scam/poor business practice!
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (KY)

I received my direct deposit this morning ( XX/XX/XXXX ) and was finally able to start using my Discover banking card. They closed my account without warning not even 24 hours later and they said that I wont be able to get available funds for two months ( 60 days ).
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

Hello On XX/XX/XXXX made a wire transfer by mistake to someone that also a wells Fargo customer on the XXXX the guy that I originally was going to call me to inform me that he didn't receive that's when I discovered I sent it to the wrong person I then contacted wells Fargo said it could take up to 14 days which meant the XXXX max I called back to inquire very rudely speaking to me with no answers I asked to speak to someone in their executive office and that's when the lying and deceiving started I called them 2 or 3 times always with the lies that some when will call the agent handling your case is on a conference or he has a problem with his internet giving me different names 1 ) XXXX XXXX they promised me on 3 different occasions That he said he will call back but never did I have been a customer with wells Fargo since XXXX
Consumer complaint received 2022-07-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Leaders Financial Company (NJ)

The account with Leaders Financial is closed in 2018 and the company is garnishing my checks for the amount owe, yet they are still reporting the account as late on my credit report even though they are receiving my payments from my job every month. This late reporting is keeping my score low. The name of the original creditor company is Leaders financial and the people that bought the debt are saying they have nothing to do with what is reported. Leaders keep telling me that they don't have anything to do with this account anymore, so why are they still reporting as late or even reporting at all. I have been going though this for 5 1/2 years. I can't get a loan, a car in my name and more. Please help me to remove this leaders account off of my account as I have tried over and over again. I am trying to improve my credit score as I can't even rent an apartment in my name. Please help me to remove this account.
Consumer complaint received 2024-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (CA)

This account is not mine and needs to be removed from my credit report. I have requested documentation showing this account was owned by me ( they claimed they had my signature with brinks ) to no avail. When I spoke to them today they said my only course is to claim fraud and that was it. No they are in violation of FCRA. Furthermore they list the debt beginning date of XX/XX/XXXX. But on the phone with them this morning they stated it was from XXXX. Lastly, my alarm system is adt and not brinks. Never has been. This needs to be rectified immediately or I will bring forth legal actions from my attorney. And yes I will do so over XXXX they claim I owe. Because what they are doing is predatory and illegal.
Consumer complaint received 2022-07-28
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. (OH)

I recently requested the credit bureaus verify all data reporting on my credit file. They completed their investigation and stated everything was verified. After a thorough review i fount some accounts to be not mine and requested proof of ownership and proof I owe this debt. these are the accounts listed below XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX in accordance with the fcra guidelines these creditor have violated my rights under 15 U.S.C 1681 sec 609. States a consumer may request a copy of contract used to validate ownership 15 U.S.C 1681sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. states a consumer reporting agency can not furnish an account without written instruction