davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (TX)

I transfer funds between my savings account to another bank I have a checking account with. I've done this manually for months. On Friday, XX/XX/2022, I transferred my funds as normal and received confirmation the funds were sent. Around noon, I received a call from Marcus Savings / Goldman Sachs with the agent saying to call back. I got emails saying my account needed attention. When I called I was told my already verified external account had to be verified with the bank on a 3 way call and the funds were actually not transferred as confirmed by email. It's deceptive and putting me at risk.
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc. (CA)

My Remitly account has been suspended without cause. 

I use Remitly to send money to my family in XXXX since XX/XX/2020. XXXX, XX/XX/XXXX, I tried to log in to my account, but the following message was displayed " Your profile is locked. We've noticed some suspicious activity and took some precautions. Answering a few questions should clear this up ''. 

I immediately contacted the company via chat and they informed me that my account has been suspended because something indicated that I have violated the user agreement. 

I have been a loyal customer for years and I have read the user agreement and I did not violate anything. I asked to appeal and they asked to make an appeal and follow the instructions on this page XXXX XXXX XXXX XXXX XXXX 

I have not received any emails from the company informing me previously that my account was suspended or that they have received the appeal for my case. 

In addition to that, the company has a referral program that grants the customer {$30.00} per new customer that signs up and uses the Remitly service to send money. Because I advertise my referral link in my social network, I currently have more than {$150.00} that has been blocked on my account. So essentially, by suspending my account the company has blocked the referral bonus that I've earned, which is unfair and illegal.

I ask that the company unblock my account so that I can continue to use the service to send money to my family members.

I'm a loyal customer of Remitly and I'm very upset about how my account has been suspended unfairly.
Consumer complaint received 2022-04-06
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (MD)

Purchased auto loan on XX/XX/2022 from XXXX dealership in Virginia. I am a resident of the State of Maryland and presented dealership with all documentation ( pay stubs, utility bills, auto insurance, driver 's license ) which reflect Maryland residential status. After reviewing loan documents auto loan interest rate is 28 %. State of MD maximum is XXXX XXXX The total purchase price of the vehicle is {$31000.00} and is financed over a period of 72 months. The approximate payment amount should be {$850.00} instead of {$920.00} ( what finance company, " Exeter '', lists ). Over the life of the loan that is in excess of {$4900.00}. I called Exeter  to explain their error and they agreed I was correct, however, they bounced me back to the dealership. I believe Exeter knowing booked this deal with the higher interest rate. The company is supposed to have a system of checks and balances in place so this would not happen ( XXXX XXXX ). If this has happened to me, and the loan has just been booked ) how many other people has this happened to? The rep was left speechless and could not provide ANY type of response.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint to address inaccuracies and violations in the reporting of several accounts on my credit reports by various creditors and credit bureaus. The following accounts are being reported incorrectly, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Account 1 : XXXX XXXX XXXX Violations : XXXX XXXX XXXX continues to report a derogatory account on my Experian and XXXX credit reports, despite the fact that XXXX has deleted this charge-off. The creditors have failed to ensure the accuracy of their reporting as required by the FCRA ( 15 U.S.C. 1681 ). Experian and XXXX are actually non compliant and are being negligent by not following suit violating 15 USC 1681N Civil liability for willful noncompliance The account was not properly validated, and I was not provided any notice or opportunity to dispute the account before it was placed on my report, violating 12 CFR 1006.34 ( b ) ( 5 ), ( c ) ( 4 ) ( i ), and ( d ). 
Resolution Requested : I request that Experian and XXXX immediately delete this inaccurate information from my credit reports to ensure compliance with federal regulations. 


Account 2 : XXXX XXXX ( Original Creditor XXXX XXXX ) Violations : The debt collector XXXX XXXX has reported a collection account on all three of my credit reports without ever providing validation of the debt or the required notice, in violation of 12 CFR 1006.34. 
The account was placed without giving me the opportunity to dispute it and is therefore misrepresenting my creditworthiness, violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ).

Resolution Requested : I request that the credit bureaus remove the collection account due to its inaccurate and unverified nature. 


Account 3 : XXXX XXXX Violations : The account number associated with this XXXX XXXX credit card is being inaccurately reported. This inconsistency breaches the requirement for accurate information under the FCRA, 15 U.S.C. 1681. 
XXXX XXXX has not clarified nor provided adequate validation. The conflicting details of the account number and reporting raise concerns about the legitimacy of this account. 
Resolution Requested : I request the immediate deletion of the reported account and that the incorrect XXXX XXXX account be removed from my credit reports.
Consumer complaint received 2022-04-06
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. (WI)

In accordance with Fair Credit Reporting Act XXXX 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 2022-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (GA)

account number XXXX Consumer Number : XXXX Provider account # XXXX XXXX Our records indicate someone placed two FRAUD transactions with XXXX XXXX XXXX XXXX brand ) in XXXX XXXX 2022, the total amount are {$52.00} and {$100.00} which were blocked by credit card fraud system automatically. 
2/ After receiving the Fraud alert text, I reported to credit card company immediately those are not my purchase. 
3/ I contact XXXX brands company and reported those two FRAUD transactions, and they agrees to remove it. 
4/In the XX/XX/2022 we received a collection mail from XXXX XXXX XXXX. in the XX/XX/XXXX again I contacted the XXXX brand collection department ( XXXX ) to reconfirm those are not my debt, and they agrees it. 
XXXX XX/XX/2022 The XXXX XXXXXXXX XXXX XXXX has removed this fraudulent account and balance. 
6/ In XX/XX/2022 I have received the letter from National Recovery Agency for the same amount.
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (IL)

From XX/XX/XXXX - XXXX my bank 's mobile and online banking centers were completely shut down so I had no access to my accounts while I was out of town. I was not able to check balances on my accounts or transfer funds from my savings to checking as needed like I had planned on doing. Apparently, since I had no way to check my balances, I over drafted on my account. I think that this is unfair and cheating. The bank took from me the ability to access and keep tabs on my money for over 4 days and then proceeded to stack XXXX overdraft fees on me all because their sites were down. I have tried to contact the bank multiple times to get the issue resolved and my call keeps getting dropped. The bank is faulting me for their inadequacies and now I am negative almost {$200.00} which I can not afford to lose during a global pandemic. This is cheating plain and simple, and I will not be paying fees on an overdraft that I was unable to know was happening.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I looked at my credit reports, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have reached out to ALL XXXX credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with XXXX XXXX name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022 I submitted a payment to Synchrony for the full balance of my Amazon Store Card managed by them. On XX/XX/2022, Synchrony processed the payment but failed to update the available credit of the card as described in the card agreement. In fact, the available credit of the card did not change even after the payment had fully processed on the XXXX of XXXX. 

I contacted Synchrony via live chat. A supervisor insisted there was nothing they could do, and it would, in fact, take until the XXXX for the available credit to be updated. I informed them this was unacceptable and contrary to the card agreement, but they insisted there was nothing that could be done because the payment was 'on hold. ' When asked to release the payment from the hold and update the available credit, they refused. 

Nowhere in the card agreement does it state Synchrony may make the arbitrary, capricious, and unilateral decision to refuse to update the available credit balance after they have already taken and processed a payment. In fact, it states synchrony must act in good faith at all times.
Consumer complaint received 2022-07-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Credit Karma (CA)

Okay my fiancee had his inheritance put in my name I did a credit check on CREDIT KARMA it show my money savings account and said order ur debit card and I put my information in and it declined me so now I can't find what bank my net worth is in or even use my money please help
Consumer complaint received 2022-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB (RI)

In XXXX a payment for my XXXX purchase was an issue due to card not processing. I immediately fixed it and the payment went through. at that time I realized my available purchase amount as not able to be seen. I contacted customer service through their online chat and was told it would update in a week, the payment just needed to process. I waited two more weeks and still nothing was showing and the available amount was actually decreasing but unable to be used either. I contacted them again in XXXX after it was roughly two months of it's a system error, it will update correctly. During this time I was being told I had unpaid balance when trying to use the payment service at checkouts, when I would go to my account there would be no issue. Finally in XXXX I contacted customer chat again and it was escalated for the third time. I was told it would take 48 hours for a response, it took about a week. Now a supervisor is telling me due to account activity I am no longer able to use XXXX, which came as a shock to me. I explained my confusion, only to be sent a generic response that didn't even answer my confusion. I immediately called their customer service line, after waiting for 2 hours collectively, first called " dropped ''. The rep couldn't give me a straight answer on why my account was blocked. I asked to speak with a supervisor, and the supervisor refused to speak with me and told me to contact the credit bureaus to fix my issue. I was very confused and asked the rep how would the credit bureaus know what to do with their company error. He responding not knowing but that it was a credit bureau problem and I had to call all 3, I asked what I would be saying and he literally couldn't give me direction. at this point i knew i was being given the run around. I finally reported this to the Better Business Bureau, only to have Klarna respond that 3 years ago I had an unpaid balance which they paid and due to that I can't use their service. I just want to state that balance was paid, and I have been using Klarna for the past 7 months with about 20 purchases all successfully paid. This company is unjustly blocking my account and instead of being honest finding any reason to not assist me. I also want to point out to this day it says i have an unpaid balance if i were to try and use it, but when i go to the app i owe nothing.
Consumer complaint received 2022-04-06
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. (TX)

There are accounts under my name that are reporting INACCURATE and UNAUTHORIZED inquiries that are violating my FCRA rights. I already files a proper documentation regarding these accounts and I have attach documents for these accounts I am complaining.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or deleted. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$8200.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, U.S. Department of Education Account # XXXX, Account # XXXX, Account # XXXX, XXXX - XXXX XXXX Account # XXXX, XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

I was waiting for my pay check to hit my account. When I woke up and noticed that there was an un authorized charge from XXXX totaling {$100.00}. I contacted chime who stated I had to wait until the transaction went through to dispute it. I tried to reach out to XXXX but was not successful. My card was compremised because it was attached to my XXXX XXXX account which was hacked because another purchase was made from a different card that was also attached to my XXXXXXXX XXXX  account. When I pulled up my transaction from XXXXXXXX XXXX the charge was not there. I disputed there decision and they sent me back there findings and stated because I had my card with me at the time then it was an authorized payment which again It was not I just want my money back and did not think I would have to go this far to get it. It is not fair that because I had my card it says that I made this purchase which is not true. I submitted proof I did not even have XXXX. I just want my money back.
Consumer complaint received 2022-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

On XX/XX/2021 I sent a certified letter stating that accounts : FedLoan were inaccurate and incorrect accounts. 

The Credit bureaus have investigated and stated account FedLoan can not be verified as being my account. This is grounds for removal. 

Under section 609 law states I have a right to see what the furnisher ( lender, creditor collector, or court ) sent to the credit reporting agency. Please provide my original promissory notes and all student loans that you service. Please send my original signature that was signed in wet ink ( not electronic ). The law also states that all debt has been paid for within 180 days. These accounts were already paid off. 

These accounts are not my accounts. See attached letters.