davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MI)

On behalf of XXXX XXXX XXXX XXXX, I have held a XXXX XXXX XXXX, which was backed by XXXX XXXX  for years, and with NO problems. However, approximately a year ago, I received physical and electronic communications that the XXXX XXXX card was sold to XXXX by Goldman Sachs and my credit card would be on the way. I have received a letter purporting that a security code can be utilized to set up and manage my account online. To date, the attempts to do such have been unsuccessful. Password resets are NEVER sent. Today, I was told via XXXX by " XXXX XXXX '' that the call center representatives are not allowed to provide their last name, representative ID, or city in which they are working and can not transfer my call to technical support - we must wait to be contacted - in order to rectify the asinine web of meanders that the website continues to take me through. This behavior is deplorable and mind-blowing as this is NOT the reputation that one would want to develop as a new car issuer. This seems to be a chronic issue as per this : https : //www.consumeraffairs.com/finance/marcus-by-goldman-sachs.html and that : https : XXXX. In addition to this, there is a personal guarantee on this business card, so I am concerned as to who has access to it, since I do not and " Marcus '' are being strategically difficult in allowing me to control my account.
Consumer complaint received 2022-07-15
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. (TX)

I previously Submitted a complaint asking for these accounts to be deleted since I did not give written instructions for them to be furnished and the company ( Equifax ) responded and said I need to contact the inquiry companies directly and to follow their internal fraud procedures, but they ( Equifax ) are the ones that furnished the inquiries on my credit report without my permission not the original creditor. I have already sent a complaint to XXXX regarding said inquiries. 

In accordance with the Fair Credit Reporting act 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, 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 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have student loans through XXXX. I was a young mom of 4, went to school and later divorced and a single mom. My loans have always been on either deferment or on an income contingent based plan and my payment amounts are {$0.00} a month. On my credit it shows that I have 12 missed payments from XXXX. I have called XXXX several times. I was told that my accounts came out of deferment on XX/XX/XXXX and went back in to deferment on XX/XX/XXXX. Let me be clear, that is not even 30 days. I didn't have an amount owed because they were in deferment. It shows that I do take this seriously, the accounts were current before this and have been since then. I am being severely affected in my life now from these negatively impacting my credit. I have asked if they would remove the so called missed payments and they have repeatedly told me that they can't, that I have to dispute with the credit bureaus, but they would send me a credit reference letter to make up for it. I am trying to buy a home and these 12 " missed '' payments are severely affecting my credit score. Without them I would have a 755+.
Consumer complaint received 2021-07-15
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: TD BANK US HOLDING COMPANY (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc. (MD)

On XX/XX/2022, I placed an order for {$69.00} with XXXX XXXX XXXX and decided to use my Zip card to place the order. Shortly after placing the order, I changed my mind and decided to cancel it. I contacted the merchant who agreed to issue a full refund to the original payment method. That same day, I went into the Zip app and reported a return on this order. 

The merchant issued a full refund of {$69.00} as promised, but instead of crediting it to the correct order ( the one which I had made the day prior, which was for the exact amount of the refund, and which I reported to Zip I was expecting a refund ), Zip erroneously took the refund and applied it as a partial credit to an order I had placed and completely paid off with the same merchant over 9 months earlier. 

Even though I could see immediately they had credited the incorrect order and informed the CSR of this, it took over 2 hours of chatting with Zip customer service for them to even admit there could be an issue, and they said they would investigate it. Then, several weeks later, they finally acknowledged via email they had made an error, but said there was nothing they could do about it. 

This is outrageous. Zip claims the refunds they issued went to a card ending in XXXX, but I closed that card/account in XX/XX/2022 and the company who issued that card says that it is impossible that a refund was posted to a closed account, and they do not have the money. In the meantime, Zip continues to bill me for an order I canceled and never got anything for. To make matters worse, Zip is collecting their {$1.00} per payment fee for this order which should have been refunded/cancelled weeks ago. 

I also asked the Zip CSR repeatedly how I can avoid this problem in the future, as I FREQUENTLY use zip at the same couple of merchants, and I want returns to be credited to the correct Zip order. The Zip CSR claims that this is the merchants fault for not crediting the correct order number. This is obviously false informationthe merchant is unaffiliated with Zip and simply issues a credit to a XXXX card on their end. They have no way to know what my Zip order number is, or communicate to Zip which order number a credit should be applied to. Zip is the one who takes that credit and determines which Zip order it should go to. Zip is the one who caused this error and refuses to make it right. I did not receive a satisfactory response to this question, even though I thought I did everything right in terms of reporting my return in the Zip app.
Consumer complaint received 2022-10-13
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. (GA)

This is my 8TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX/XXXX  XXXX Balance : {$740.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (WA)

The card is XXXX XXXX XXXX  XXXX credit card by Synchrony. The card number is XXXX. 

After I register this credit card I was charging every month for a security fee + interest fee. I was never told by email or by message that I enrolled in the security protection program and they force to charge me the security fee for over XXXX $ within a year. 

I think this is defrauding customers and it's a hidden fee to customers. I need Synchrony company to return this fee immediately.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (IL)

9-19-2022 Tried to transfer money to another bank. I couldnt do it. I called customer service. After being on hold for over 2-1/2 hours. I talked to 3 different people who finally told me my account was frozen because. It was dormant. Ally claimed I never went on line or I never returned to questionnaires they sent me, with their pre-addressed and postage paid envelope! I have done both! Now they claim I have to wait until they take my account our dormancy and if I cant do it on line, I will have to call them back. They are holding my money hostage!
Consumer complaint received 2022-08-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Medical Data Systems, Inc. (AL)

With my last XXXX I had to go to the XXXX  often and they would always tell me to pay or they will sue me for not paying. I cant afford to pay the {$200.00} copay every other week when I was trying to cover other expenses and just make sure my baby was healthy and I was healthy. Also went to a dentist, paid in full, cash. No insurance at the time so I paid everything up front to get my XXXX XXXX  and they still ended up sending me a bill for extra costs that arent even listed.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

Upon submitting a complaint through the CFPB I was given a response from The Money Source that is unsatisfactory. In the documentation submitted The Money Source made an error and the solution to this error is presented in a way in which me ( the borrower ) is stuck with 100 % financial responsibility even though I did not make said error. I am seeking an resolution in which both parties can find. I called The Money Source on XX/XX/2021 and spoke with customer support personnel to discuss the matter and was told quiet firmly that there was no other option other than to resolve the shortage created by the escrow department with The money source in either 24 or 36 months. I felt strong armed into an agreement to keep my payment up to date as my mortgage payment is due today. They expressed no desire to discuss a way to resolve this matter in a way that does not put 100 % financial responsibility for a error on their part on their customer. I can only infer from the conversations had by myself that The Money Source does not wish to discuss terms that would be good for their customer to the customer themselves. I can also wonder of this is how I am being treated in this instance, how are other customers treated who feel as if they are being forced to do something unfair to keep their home.
Consumer complaint received 2022-07-29
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. (NV)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Transunion on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT # XXXX, and I'm including it again. 


XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Date XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Services Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-29
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15U.S.C 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-07-29
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. (NV)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Experian on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX I received a letter from Wells Fargo, The Subject was- Follow up to previously submitted complaint. There is a telephone number to call if you were sold something that you did not want or need By Wells Fargo Bank. WF wants to know how your complaint was resolved, Our complaint was never resolved we were just constantly lied to about out Mortgage Account for 10 Years, No one at WF can locate our account, Customer Service said no such account number, Mortgage Dept. said no such acct number, The supervisor at WF could not find account, WF purchased our loan in XXXX by some fake close at home book that is sitting on my lap, not signed or notorized and was never returned to WF because they were making us REFINANCE even though WF was purchasing my loan. We did not want to refinance but Wells Fargo said we had to this is the way its done so it can be done faster, The is no history of my : Loan from XXXX to XXXX, every bank report starts at XX/XX/XXXX, The Bank History and the Year to Date Loan History, The account also starts with no money in Escrow, when there was money in Escrow when they purchased us. Now that was gone, We were being charged for Hazarsd Insurance we did not need or ask for XXXX per month plus homeowners insurance also, 4 times WF has out us in foreclosure first time, we owed XXXX ... ... the second its XXXX plus XXXX lagte payments for 2 months and another charge of grounds kepping, i have the nicest cleanest house on the block, so take your XXXX inspection fees and just wait cause i have copies of every bit of money you took from me elegally, their are made up amounts that are made up to cover the Escrow i had to pay twice of XXXX. WF claims they never received a check I sent for XXXX if you look at the incoming payment There is XXXX in amount received and XXXX in Ecscrow and a amount left over that they put as a - whan the differenced was a plus, went into unapplied funds never to be seen again.
Consumer complaint received 2021-09-07
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: WELLS FARGO & COMPANY (TN)

I already reached out to the credit bureaus ( XXXX and XXXX ) and to WF/XXXX  and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, Credit Limit, Date of Last Payment, Date Last Reported, Date Open, and Comments are inaccurate. In addition, A charge-off should show a XXXX balance. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.
Consumer complaint received 2022-08-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

In XXXX I qualified for a Pell Grant ( due to low income ), to attend XXXX. The grant was very small, so I was also approved to borrow the balance of my tuition in full, as the rest of my " financial aid package ''. After graduating and making payments on my loan for years, Sallie Mae went bankrupt. My account switched automatically, and now I somehow have a " private '' consolidated student loan account through Navient. I didn't qualify to have my payments stopped in XXXX, because they said they would keep charging interest on my account. I've been paying on this loan for 22 years, and my principle has only been reduced by a couple XXXX dollars. I don't earn enough to live comfortably and pay bills. It turns out that a college degree did not help me at all, and I'm worse off because of it. I'm forced to pay tens of thousands of dollars extra in interest, simply because I can't afford the normal monthly payment they determine I should pay.. These financial institutions can keep charging interest on an income driven plan as " punishment '', because I don't earn enough to pay their required monthly payment.. It's plain robbery!
Consumer complaint received 2022-08-28
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: JPMORGAN CHASE & CO. (PA)

on XX/XX/2022 all three major credit bureaus are showing a credit inquiry from a creditor I did not authorize, Ive contacted the company JPMCB and they directed me to your agency. I believe im a victim of identity theft. all three bureaus, ie XXXX, XXXX, XXXX also told me to contact your agency about this Fraud inquiry
Consumer complaint received 2020-08-11
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. (CA)

XXXX XXXX apparently bought our mortgage loan from our previous mortgage servicer. When the transaction ended, XX/XX/2020. The account was closed. The account closing was reported to Equifax and XXXX. It caused an immediate drop in credit rating 55 points and 77 points for my co-borrower. We did not close the accounts ( we didn't even know what was going on ). The accounts also are not credit card accounts but mortgage loans. The hit has been immediate and dramatic. I called our previous mortgage servicer and they directed me to XXXX XXXX. I called and the customer service representative said they did receive new loans but that I wasn't even in the computer. My home address wasn't either. So she couldn't help me and told me to call back on Wed., XX/XX/2020. At this time I don't even have any paperwork from XXXX XXXX. I don't even know who they are really, only through XXXX. I also don't know whom to pay and it is XX/XX/XXXX. I feel that we should have had this paperwork and a letter long ago. My immediate request is to correct the credit ratings as it also impacts job hunting which I am doing now. We didn't ask for our loan to be bought so it is unfair that we suffer an immediate negative hit in credit rating and possibly missed loan payment at this point, without a way to fix immediately. I also would like to know how to pay our mortgage. I feel, through no fault of our own, we are being set up to fail. I will call in again on Wed., XXXX. I'd appreciate any help that can be offered.