davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (AZ)

I called on XX/XX/XXXX and XX/XX/XXXX to get informatin on a Barclays card that shows up on my credit report. I was told that Barclays closed this account in XXXX. I asked when the last payment was because this account is very old and I hardly remember it. Rather than help me they said they could not provide any information and they hung up on me. I am requesting that Barclays be removed from my credit history.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

My student loans were forgiven in XXXX ( per a letter to me from XXXX ), but the balance and updated status has NOT been reported to Equifax. I have disputed the incorrect balance three times, and contacted XXXX asking them to send Equifax the correct information. XXXX is incorrectly reporting the balance to Equifax.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

A dispute on a company for {$4400.00} was initiated on XX/XX/XXXX. I made the order from that company 2 weeks before and they never sent me any information about an order confirmation or tracking number or anything of that nature. They did not even ask me for a signature on delivery for such an extremely large order. I never received my order after waiting 2 weeks and getting no support or updates from the company I purchased it for so I finally decide to initiate a dispute with my Amex card since the company never shipped my items. Amex at first gave me a temporary credit for this order. I was very pleased with the outcome. Later on, the company started talking to Amex saying they shipped my order but not telling me anything. Where was this information when I made the order? I would've taken a day off of work to get this order and sign for it because this was a large amount in savings for me but no I get no communication from the company that I made an order and it shipped and no tracking number or signature required. The company provides amex some random tracking number and shipping information which doesn't even look like mine and Amex sided with them. I still have yet to receive any of my packages. I am confused and saddened by this and I reopened the dispute explaining that I was never given any information on this order and Amex once again ruled in the favor of the company. This is very unfortunate. I thought Amex was suppose to protect it's customers but I wasn't protected from a very shady company that did not ship my items to me and take my money. This is not the experience I want from Amex and I am very dissapointed and disheartened by this whole situation as a cardholder of 5 years.
Consumer complaint received 2023-12-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (AL)

My mother and I jointly hold two CDs at Marcus by Goldman Sachs. The values of the CDs are {$50000.00} and {$25000.00}. My mother, XXXX XXXX, passed away on XXXX XXXX XXXX About a week after her passing, I notified the institution. I was informed that they would close the CDs  WITHOUT EARLY WITHDRAWAL PENALTY upon receiving a certified death certificate and a " Letter of Intent '' directing the institution to close the accounts and on where to send the funds. Those documents were provided to the institution on XX/XX/2023. The following is a timeline of pertinent conversation with the institution : XXXX Verified receipt of death certificate and letter of intent. Told that process will take 3-5 business days. 

XXXX Requested update. Told that process takes 10 business days. 

XXXX Requested update. Told that process takes 3-4 weeks. Confirmed that request is being expedited. Requested call from supervisor. 

XXXX Supervisor called. Stated that accounts would be closed in 5 business days. 

XXXX Requested update. Told that accounts would be closed in 48 hours. 

XXXX Requested updated. Told that request has been expedited but could not give any timeline. 

NOTE : THere are two CDs. The fields below only allow listing one account number.
Consumer complaint received 2023-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

TRANSWORLD SYSTEMS INC has been reporting a debt of {$2700.00} from XXXX. 
I have asked multiple times for a debt verification along with the supporting documents and they did not provide anything. 
They also do not have a license to do business in XXXX  which has been pending for years. 
Company was harassing me, threatening me and when I called them back they either said they couldnt find my account or said it was under someone elses name. 
I am asking for them to cease contacting me and my husband ( because they call him too ) and that provide the supporting documents as requested by law or remove that fraudulent account collection from my credit report
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

I disputed these items by mail on XX/XX/XXXX, however you continue to report them after your investigation. Please reinvestigate these matters and delete the disputed information as soon as possible. Thank you for your assistance ID THEFT ACCOUNTS XXXX XXXX : Account # XXXX  Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) XXXX XXXX  : Account # XXXX  Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) INACCURATE ACCOUNTS XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ) The Date Last Active : XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), Experian ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXXXXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ) The Date Last Active : XXXX ( XX/XX/XXXX ), XXXX XX/XX/XXXX ), Experian ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), Experian ( XX/XX/XXXX ) Account Status : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( Paid )
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I first noticed charges on my Southwest charge card ending in XXXX while doing my taxes this year. The amounts were small but they hit once or twice a month label XXXX ( XXXX ). I immediately called the company and shared my discovery that was in XX/XX/XXXX, Chase XXXX XXXX. The claim was accepted and to stop future fraud charges the card number was changed to # XXXX. They removed all the charges and sent a new card. Then the next thing they did was deny the claim and place all the charges on a new card with a lower credit limit. When I called, them they could not explain why the charges were reversed and placed against the new card with the lower credit limit. 
Before this complaint, I was told by the representative that they needed proof of my XXXX log, I sent copies that dated back to XXXX, with an explanation that the only charges that were me were the ones in XX/XX/XXXX, specifically XX/XX/XXXX, XXXX, XXXX. The fraud changes started after my visit to XXXX XXXXXXXX XXXX XXXX XXXX 

I was told today that I pay the bill regularly, I yes because I do not want this to affect my credit history while they work it out. I spoke with Representative XXXX XXXX acting supervisor ) - no last name. XXXX XXXX XXXX XXXX XXXX number- I was told I can call back to XXXX - XXXXXXXX XXXX XXXX is XXXX no further information was given to me. 

The employee XXXX told me I was too late by federal law but the website states : With Chase 's Zero Liability Protection, you wont be held responsible for unauthorized charges made with your card or account information.
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account 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 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 2016-02-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The TransUnion company has a policy of updating there information every 30-90 days. To a user taking responsibility of finances is being forced in some situations into losing more finances. with the movement of data information at a moments notice, the stroke of a key, this company and any other company should only have 7 days to process that data. 
When I paid all my debts off every company evolved was able to slow mail me with a guarantee that I would receive the letter in 5-10 days. If these companies a lot the time and personnel to that, they should be forced into posting any updates in under 7 days and be forced to update there software to do this for them. 
They should be making themselves more accountable for timely accuracy instead of rules and by laws to protect themselves. Someone might say " well you should not have got your self into this situation ''. My only reply is that 's history because today I am getting my self out of the situation and TransUnion just cost me over {$400.00} in getting a loan that was assisting me in taking on my financial responsibility. Both Equifax and Experian excellently up dated the same information that day while on the phone with them or with in 2 or 3 days of my paying all my debt off. 
sincerely XXXX
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I am specifically requesting a tax statement or written confirmation that the debt associated with this XXXX XXXX XXXX. account # XXXX has been written off. Additionally, I would like to receive any supporting documentation related to the charge-off, including the official date of the charge-off and details about the subsequent resolution and reporting. BUT FAIL TO DUE SO. Please provide the requested information through the credit reporting agency 's secure online portal. If there are any specific forms or procedures required to process this request, kindly provide guidance on how I can complete the necessary steps. I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue. If there are any fees associated with obtaining this information, please inform me in advance.
Consumer complaint received 2016-03-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I opened an overdraft line of credit in 2010 for an annual fee of {$50.00}. The fee is billed each XXXX. This year I decided the ( LOC ) annual cost was n't worth the annual fee. On XXXX XXXX I paid off the balance on the LOC. On XXXX XXXX I went to the bank branch and told them I no longer wanted the LOC. I was told that I had to submit my request in writing. I later called customer service and explained that I no longer wanted the LOC. I then received a LOC statement charging me the {$50.00} annual fee and some residual interest ( {$4.00} ) from when I paid off the LOC. I called the bank 's customer service and was told that I had to pay off the LOC before they could close it.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

I have made several attempts to dispute inaccurate accounts on my credit report with both XXXX and Equifax, including sending multiple letters outlining my concerns. Despite these efforts, neither credit bureau or creditor has provided me with any meaningful information or verification regarding the disputes I raised. 

It appears that both XXXX and Equifax have processed my disputes using an automated system called e-OSCAR, which scans the letters without providing a thorough investigation or verification of the disputed information. This is not sufficient under the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to receive clear verification of how they determined the accuracy of the disputed items. 

To date, no adequate response has been provided to explain how the credit bureaus verified the information on my report. I am requesting that they fully comply with my legal rights and conduct a proper investigation into the disputed accounts.
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

In XXXX, I made a payment to my account. Throughout this loan, I have been charged way more than I owe, there have been several times I have called and my payment amount is different, depending who im talking to and practically nothing has come off my loan. In XXXX, I made a payment and an arrangement for a payment again in 2 weeks, and the rep put that second payment ( which was for the end of the month ) in, costing me {$300.00} in overdraft fees. He promised to take off {$450.00} off the fees/account and that has not been done. At this point, they have made thousands illegally on this loan and need ti just let it go and give me my vehicle. What they are doing is unethical, at the minimum.
Consumer complaint received 2023-12-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Loan South Finance & Tax Service of Troy, LLC (TN)

I recieved a secured loan from XXXX XXXX which namely is housed under the name, XXXX XXXX XXXX in XXXX of this year and I have been diligently paying this loan since the beginning. This loan is secured by two TVs, a chainsaw and another small personal item.I have run into a family financial hardship unbeknownst to me. I reached out to XXXX XXXX  not getting into detail as to why with the female manger of this store and explained that I have enrolled this debt into a debt relief program with XXXX XXXX XXXX XXXX XXXX XXXX of which I tried providing the number for them to call and verify of XXXX, XXXX also have power of attorney. This lady proceeded to tell me that they do not work with them and that she cant hold the account after 30 days it goes to the attorney and they will garnish and take my personal property thats listed as the secured items on the loan. She then told me to not trust them they will take my money and not negotiate anything with the creditors and what she didnt know is that I have worked with XXXX XXXX XXXX  years ago and they helped me a lot and got me debt free before. Also she was unaware that previous XXXX XXXX  customers enrolled with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  worked with XXXX before on other accounts, which this was verified with me by XXXX staff. At the time of getting this loan I truly could afford paying back the monthly amount until this unfortunate situation occurred unexpectedly.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

I have continuously requested American Express stop sharing my information with third-party companies and they continue to do so. They have continued to violate my rights under the FCRA. I sent American Express letters in XXXX and XXXX and they have ignored my requests. The creditor is in violation of 15 U.S. Code 6802 ( a ) ( 1 ) ( b ) which states- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (VA)

A purchase was made at XXXX in XXXX, Va on XXXX XXXX for {$260.00}. The purchase was made using my credit card number. I did not make this purchase. I have talk with the fraud division of Wells Fargo Visa card. The first time on XX/XX/XXXX and filed a complaint. It was rejected on XX/XX/XXXX. I made a second complaint on XX/XX/XXXX in writing. And included the information from XXXX fraud division, that they had no record of this transaction on that date by my card for that amount. Wells Fargo again rejected my claim on XXXXXXXX XXXX.I have all the necessary paper work and have given it to Wells Fargo Fraud.This card was cancelled and I was issued on new card
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had student loans services by XXXX, the federal student loan servicer. I paid these off in full on or about XX/XX/2023. 

I waited XXXX  months for my credit report to get updated to reflect that I paid these loans in full, but it never happened, so I contacted XXXX, and after they didn't respond I contacted TransUnion in order to have my credit report updated to reflect that this debt had been paid in full. 

After I submitted my dispute to TransUnion my credit report with them was updated. All of the accounts were marked as " Paid, Closed; was Paid as agreed ''. However, a mistake was made and one account also had the remark " SETTLED-LESS THAN FULL BLNC ; CLOSED '' added to it. This is incorrect, I paid this account in the full amount and did not settle it.

I disputed this account twice, and called TransUnion and nothing was done to fix this. My credit score dropped by close to XXXX points because of this inaccurate remark. All other credit agencies have this account marked as paid in full except TransUnion, and the student loan servicer does not dispute that it was paid in full and was not settled. 

I need this remark removed from this account. I've never settled any account for less than the full amount I owed.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Ahn Management LLC (CA)

I attempted to purchase with cash at a physical location where the HERMES BITCOIN ATM is located ( inside of a XXXX XXXX ) I received a notification on the screen of the ATM that the atm was not able to process the transaction therefore the transaction was cancelled : the atm never returned the cash I had put into the ATM, I called the customer service number given on the screen of the atm. 
The customer service agent refused to return my money or process the transaction to my bitcoin wallet stating that the bitcoin transaction rates were too high and they didnt want to pay for it. He refused to connect me with another customer service representative. We continued speaking on the phone for a few minutes until the customer service representative hung up the phone, when I attempted to return the call I received the notification that the number wasnt in service meaning that they blocked me. I went onto the company website because I was suspicious of their business practices. They have icons to access the terms of service and privacy policy on the homepage of their website but when clicked it takes you to a page that says the pages were deleted.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Conduent Incorporated (CA)

I received my waytogo bank statement ( child support payment debit card ) and it showed a charge for something called XXXX XXXX XXXX. I looked it up on XXXX and it's in XXXX  i got their email contact info and emailed them asking them who made the transaction=, what was purchased on XX/XX/30 XXXX {$79.00}? and for them to please get back to me because i was disputing transaction of {$79.00}. I tried to contact the wayto goprogram.com and there's no option to contact them either on line, in the app or by phone, I called XXXX  times and selected different variations of # sequence and was not able to get through to customer service. all i was able to do was cancel and reorder my card. This is ridiculous. This is a state distributed card not just some generic debit you get at the gas station.