davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I attempted opening an account with Marcus By Goldman Sachs, I was made aware that my application was declined because my Social Security Number ( SSN ) matches with one of their customers and as a result I'm UNABLE to open an account with the bank. The same suspect who used my SSN at other financial institutions I reported in XXXX, is still using my SSN at Marcus By Goldman Sachs. I've called and spoken with multiple staff at Marcus By Goldman Sachs including XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX left a voicemail, attempted calling back and spoke with XXXX who advised me to reapply, and I did reapply. On XX/XX/XXXX, I called again and spoke with XXXX, spoke with XXXX on XX/XX/XXXX, spoke with XXXX ( Supervisor ) at Marcus By Goldman Sachs, including XXXX from their fraud unit informing them that the SSN belongs to me and provided all information needed for verification purposes. I also requested for them to do due diligence in investigating and that I was ready to provide any form of documentation to help with investigation. They promised to create a ticket to investigate and give me a call with any updates. Up until today XX/XX/XXXX, I've not received any feedback from Marcus by Goldman Sachs. In addition, I created a Federal Trade Commission Identity Theft report, and sent my FTC statement ( attached ), FTC drafted letter ( attached ) dated XX/XX/XXXX with copies of my SOCIAL SECURITY CARD AND MY DRIVER 'S LICENSE on XX/XX/XXXX to Marcus By Goldman Sachs DISPUTING THE FRAUDULENT ACCOUNT and requesting that ALL ACCOUNTS opened using my SSN be CLOSED. It's been 20 days and yet no response from Marcus By Goldman Sachs. I've requested a CONSUMER DISCLOSURE REPORT from XXXX stating I'm a victim of identity theft, results came in that my SSN was matched with someone else and an investigation was set up. In the next 3 days, I received the result of the completed investigation, confirming that the SSN in question belongs to me and my file with XXXX has been cleared of the other individual 's information. Furthermore, I've placed a freeze and a security alert on my file at XXXX. This is in addition to the freeze and fraud alert I've placed on all my files with the 3 credit bureaus- XXXX XXXX XXXX XXXX AND XXXX XXXX
Consumer complaint received 2024-02-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: AAA Auto Title Loans, LLC (AZ)

On XXXX/24 I called Cash 1 to speak about my account that is very past due. I spoke to a rep and she was really helpful and stated she would be able to modify my account and drop my payments down as well as credited my account from fees etc. On XXXX/24, I agreed on a recorded line with the agent to a post dated payment of {$28.00} on XXXX/24 via a new debit card. On XXXX/24 I accessed my bank account and found a charge of {$57.00} from Cash 1. I called Cash 1 on XXXX/XXXX/24 and asked what happened since I have the copy of the agreement via email and never authorized the {$57.00} on my new card. I spoke with an agent and she stated that she saw the notes and can see the modification however for whatever reason the person whom submitted the modification never put my account into a protective status, and so they just took the amount that was agreed upon originally since they now had new banking information. She then spoke with her supervisor and the options were : 1. Leave the payment as it is, and they could move the funds to my next payment and not be due until the next month. 2. They could refund me the {$57.00} that would take up to 7 business days and they are not able to refund only a half amount they can do it all or nothing, with the exception that I would still need to pay the {$28.00} by XXXXXXXXXXXX/24 in order to keep the modification, despite it being their error by not protecting the account properly and thus making my bank account go into a negative amount, making it impossible to make the payment of {$28.00} by XXXX/24. I asked to speak to the supervisor and despite her being able to reply and speak to her rep, she stated that she was going into a meeting and would call me back this afternoon. Its currently XXXX and I have not received any calls in regards to my account. She specifically asked the rep is she refunding or waiting? Before stating whether or not she would take my call. When I stated that I would be refunding, she then said she was too busy to speak to me and would call back.
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (GA)

I was involved in a car accident in XXXX when a drunk driver rear-ended me in XXXX, Georgia. The case was handled by the XXXX XXXX XXXX under case # XXXX. As a result, my car was totaled, and the responsible party 's insurance, XXXX XXXX represented by XXXX XXXX, assured me they would pay off the loan for the car. However, later I discovered that the insurance company did not settle the entire outstanding debt, which came as a surprise to me. 

In addition, I promptly purchased a replacement car from the same dealership, with the same lender and make of car. I usually make my monthly car payments through the Kia Finance app. In XXXX, when I went to make a payment for the new car, I noticed that the old account ( ending with XXXX ) had been closed with a balance of {$0.00}. I continued making regular monthly payments for the new car. 

The lender claims they tried to contact me in XXXX to settle the remaining amount left unpaid by the insurance company. However, I never received any communication from them. I use a XXXX mailbox, which can sometimes lead to mixed-up correspondence. At this point, the amount for the old account was still showing as {$0.00} on my app, and I was still consistently paying for the new car. 

Due to the unpaid amount, the lender reported the account as a charge-off to the credit bureaus, negatively impacting my credit score. In XXXX, both the dealership and XXXX XXXX informed me about this issue. I then checked my credit score and saw that it had dropped from XXXX to XXXX. The dealership provided the necessary information to my GAP insurance, and in XXXX, the insurance sent a check to clear the remaining balance. The amount was paid off with the GAP insurance I had purchased when buying the car. 

The problem is that the charge-off is still showing on my credit report, continuing to have a negative effect on my credit score. This negative mark will stay on my report for 10 years.

My investment business heavily relies on my credit score, and this issue has impacted my ability to borrow money. If not resolved, it will continue to affect my business for the next 10 years. I am currently in the process of asking the lender, Kia Motor Finance, to remove the charge-off from my credit report. Despite my efforts, they are unwilling to do so. I have filed a dispute to address this issue and am also considering legal options to resolve the matter.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (NJ)

XX/XX/24 Subject : Opt-Out Request Pursuant to 15 UCC 6802 Dear Mercedes Benz Financial Services , I, XXXX XXXX XXXX am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that Mercedes Benz Financial Services is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing. According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute. This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience. Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

15USC 1681a ( d ) ( 2 ) ( AXi ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) i ) on a consumer report is a clear violation of First Point Collection Resolution- Original Creditor XXXX XXXX XXXX XXXX. Provide me with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WI)

My account was suspended for an unknown reason. I have not gotten the same answer from everybody I have been in communication with. My funds are frozen and can not be transferred to my bank. Nobody can get me in touch with somebody that can actually have a say in unlocking the account, they all just tell me that they see the information I have uploaded that they have requested, and give me a different, longer, turn around time to expect a decision to unlock my account. Some individuals have told me that I should have a response within a day, and then upon hearing nothing I get a response telling me that it'll be another XXXX.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY (NY)

I sent this to XXXX XXXXXXXX, amex, and XXXX XXXX. 

I hope this letter finds you well. I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 
As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented.
Consumer complaint received 2024-02-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optio Solutions, LLC (FL)

This nightmare with Qualia Collection Services started approximately XX/XX/26 with an individual named XXXX. From the time XXXX got on the phone she was extremely rude and aggressive about a debt I owe for a recent vehicle purchase. XXXX cursed, used abusive language and threatened to ruin my credit if I could not pay my debt in full immediately and repeatedly belittled and mocked my voice while speaking to me. She hurled insults at me telling me i shouldn't have purchased my car if i know I don't have money and just kept going relentlessly. I hung up on her and called back and then spoke to another individual named XXXX I asked for a supervisor and he told me I could not speak to anyone else besides XXXX as she is the only supervisor. He then also threatened me telling me that because the check i wrote had been returned by the bank that I had committed fraud and it was a felony and I should be charged. I informed him several times of the extenuating circumstance that caused this ( funeral expenses ) and he said that it was not his problem and they are not required to make exceptions. I repeatedly asked for options for payment arrangements and such and he said they are not obligated to assist me and also repeated XXXX 's statement that if I have time to drive i should go find money to pay my bills. He then threatened that if I cant find the money in 48 hours I would face consequences that are at the discretion of the delinquency team and would not specify what those were only told me that if I dont pay I will find out as XXXX has already referred me to them. I also got another call from XXXX and this time he repeatedly asked about my daughter. My daughters name is listed on the check I originally wrote as a death beneficiary and this is clearly stated in black and white I asked him repeatedly to stop mentioning her and he refused. He asked her age, her whereabouts and personal info almost as if to taunt me. He also said as long as she isnt a minor he wont stop mentioning her. This literally went on for almost 10 minutes he kept mimicking her name saying it over and over even told me his age and if she isnt a minor there is nothing I could do about him talking about her. He informed me he looked up her age and saw she is XXXX so he is free to discuss anything regarding her information. My daughter is not now nor ever has been listed on this debt in any way not a guarantor or cosigner. He then went further to ask about my mother this is beyond outrageous that these people are allowed to do this.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union. received my dispute regarding violations of the Gramm- Leach Blilley Act 6801,6802.

Additionally, My privacy rights are being violated in accordance with FCRA 602 which sates I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. 

I submitted my dispute via CFPB # XXXX XXXX on XX/XX/XXXX Trans Union acknowledged receipt on XX/XX/XXXX then on XX/XX/XXXX my social security identification Is being requested .Trans Union should have my Social security information already because I have uploaded it a few times already. 

I uploaded it via CFPB and regular mail 2 times. 

This is a STALL tactic!!!! 
I am uploading a copy of my social security card with state identification / birth certificate. 
AGAIN. 

Remove both accounts : Trade : XXXX XXXX XXXX Trade : XXXX XXXX XXXX XXXX XXXX You are in violation of FCRA 611 because you failed to conduct your investigation in 35 days and you are compelled to delete both accounts you are illegally reporting on my XXXX credit report immediately.
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE (TN)

I had a credit card with BARCLAYS BANK DELAWARE that charged off XX/XX/XXXX for an amount of {$2000.00}. I had some health issues which caused me to fall behind. I wanted to make a " settlement offer '' and try to get my credit card balance cleared up. Recently I contacted Barclays trying to find out if they would settle for half of the charge off balance, and they told that I would have to speak to an attorney it had been assigned to in order to settle for that amount. I called XXXX and XXXX and they gave me an amount of {$2900.00} which means I was charged an 69 % in interest and fees after they charged off the debt. I had moved to a different temporary location, and did not receive any additional statements after the account charged off. I requested the statements on XX/XX/XXXX and they had them sent to me, and it does show on the statements that they continued to charge interest on the balance that was charged off. I was advising XXXX XXXX that I was trying to pay the " debt the I owe '', but he said that they had set a court date for XX/XX/XXXX. First off, I am wondering how there is a court day and I have not received any info or been served for that matter, secondly if I contacted them trying to pay why are they trying to sue me, and third he said he sent something to me, but XXXX advised he had to update my address because he had the wrong address for me. So, if you sent me something and to the wrong address there would not be a way that I would contact if I have no knowledge of it. I think that the entire situation is deceptive and unfair on both parties BARCLAYS BANK DELAWARE and XXXX XXXX. I am more than willing to try and resolve this issue, but when I found out there were some questionable legal actions being taken and they did not contact me properly I wanted to report this and make sure that I am given a fair chance to settle this properly.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action. 

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established Metro 2 data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX Late Payment {$1800.00} XXXX XXXX XXXX Late Payment {$8800.00} CREDIT XXXX BANK NA XXXX Late Payment {$600.00} XXXX XXXX XXXX Collection {$2400.00} XXXX XXXX Collection {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX Charge-off {$1200.00} XXXX  XXXX Charge-off {$3100.00} XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/year> Opened an account with TD bank online. They asked whether I wanted to fund my account and I used their funding option to start off my account. I asked them to transfer funds from my XXXX  account to their account. They later explained that they debit my XXXX  account as an ACH transaction. 


My money has been debited from XXXX  on XXXX and on XXXX there was no record at TD bank. I called and asked TD bank to provide me with a record of this transaction being initiated by me and going to my account. There was never a record or receipt sent to me by TD on XX/XX/year> when I originally set up my account. I spoke with 3 reps at TD a customer service agent, his supervisor and his supervisors supervisor ( XXXX, South Carolina office, at appx XXXX EST ) he said they will not have a record of my transaction/request to have the fund transferred until the funds are actually in my account due to this being made during the opening of the account. While I reiterated they should have a record for every financial request/transacation done on their website, he said he doesnt have access to that and he can not help me get access to it. 

This is bad practice. Money had already been debited out of my XXXX  account, but the requesting agency doesnt have a record on file for requesting the transaction. The agent seemed to imply that since its done during account opening they wont have it until its completed. A bank should have a record of every transaction, should have regulatory functions and protocols for customers how to get records for their transactions, or else should not have authority to offer online bank account opening.