davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (OH)

To Whom It May Concern : On XX/XX/year> my identity was stolen. My social security number, personal cell phone number, email, and bank accounts were all compromised -- including my XXXX ID. They used my XXXX XXXX to make numerous fraudulent charges on my Goldman XXXX XXXX credit card. I reported this to Goldman XXXX. 
We disputed all the fraudulent charges, cancelled the card, and the charges were appropriately removed. 
Then a month later, the charges were made again. They had made more purchases on a virtual card through my XXXX ID. The hackers then paid off the amount to charge more. I called and reported this to Goldman XXXX. They again disputed the charges and closed the virtual card. 
THEN a month later I received a statement with the fraudulent balance back on my account. I called to report this to Goldman XXXX again, and they told me they could not find my account. After some digging by the agent, they were able to find my account under a different number and email. The hackers called Goldman XXXX using my stolen information and changed my account information. I was told by the agent this was being taken care of and apologized. 
Then three months ago, I received a letter from the credit bureau saying my credit was being critically damaged by Goldman XXXX attempting to collect the fraudulent balance. Every month you further damage my credit. This needs to be rectified immediately. 
I have called Goldman XXXX XXXX ( XXXX ) different times to resolve this issue. Multiple customer representatives have assured me that I am not responsible for these fraudulent charges and that they will be removed. Still to this date, there has been no resolution. 
Still till this day, you have the identity theft individuals email on my statements instead of mine. Never once has an agent reached out to me via email or phone. 

My credit is ruined and they could not care less.
Consumer complaint received 2024-12-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (TX)

I didnt know you had to put your social security number in, and I thought it was a gift card so i tried using it but it didnt work so I went back to the store and tried getting a refund or to switch it out for a different gift card but they said that I cant get a refund at the store and to call the number on the back and I did but it was not help so I was wondering if I could get a refund for the card because it has XXXX XXXX and I was going to give it to my daughter
Consumer complaint received 2024-12-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NE)

I was contacted by a representative of XXXX XXXX XXXX about a debt from an account that had supposedly been opened with Wells Fargo in XXXXXXXX XXXX XXXX  The debt amount was {$4200.00}. I did not recognize this debt nor have I ever had an account through this bank. She gave me, my name, my social, my fathers name and my mothers previous address. They said they would like to settle it out of court. To which I responded no. I said that if this claim is legitimate then they should just sue me to collect. They tried to bargain for a lowered amount. To which I refused. I told them to just sue me if this claim is legitimate. And also that if this debt is nearly XXXX XXXX XXXX, I should have been notified of intent to collect long ago. She then told me that this would be reported to the major credit bureaus and could affect my accounts and result in possible garnished wages. I said great, thanks and hung up.
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (MA)

I received a Netspend debit Visa card in the mail on XX/XX/year> that I did not sign up for. I immediately went online to look up the bank/institution that it came from. I called the customer service line. There were automatic prompts to enter the card number to decline the offer of the card. I entered the card number. It said the card had already been activated. It also asked for the last 4 digits of my social. I didn't offer this info. I was given no option to speak to a customer service representative ( I called within their listed customer service hours ) so because I didn't enter my social sec. number, I was hung up on.
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (CA)

Someone used my name to register an account for XXXX ; however, I was NEVER associated with XXXX ever before. I think the person who did this likewise deactivated his or her account, so an account balance accrued. My phone provider is XXXX, and I NEVER transfer to any other carriers since I started using a mobile phone.
Consumer complaint received 2015-09-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Unlimited Progress Corp (IL)

The collection agency in question is Creditors Discount and Audit. XXXX. 
in XXXX, ILThey contacted me about a medical bill from XX/XX/XXXX. The amount was {$400.00}. I told them I ha no idea what that was for because I had insurance back then and being that it was a lot of money would tell me maybe some tests were run, etc and I had no tests done. I asked them to send me something showing me what the {$400.00} was for. .On XX/XX/XXXX I spoke with a XXXX there. She said she would send me copies showing what this was for. On XXXX/XXXX/XXXX I had still not received anything si I called and spoke with a XXXX there and he faxed me what he had. What he sent me was a statement showing all of the payment that I had made over the years to this doctor. I called back on XXXX but this time I spoke with a XXXX. I explained that what they sent me does not say what I was seen for on that day. I need to see the detail not a statement. She told me that is all she had and that I should call the doctor. I called XXXX who is the doctor 's bookkeeper. I left her a message on XX/XX/XXXX that I need some detail. Never heard anything. Called again and spoke with XXXX and she could not provide any detail that I needed to call the collection agency. So the collection agency is telling me to call the doctor and the doctor is telling me to call the collection agency.I had talked toi the supervisor at the collection agency but I ca n't remember what her nae was. She basically told that that 's all they had and that it 's too bad that we do n't have any more detail but I still needed to pay the bill. I said put yourself in my shoes would you pay {$400.00} for something that first of all is incorrect and second nobody has told you what it was for. She was rude and just had a tuff luck attitude. She said she was going to report it to the credit reporting agancies and I told her that I know my rights and you can not do this. Since then it is now on my credit and they assigned to an attorney!. This is not right! How can this happen? That bill might not even be mine ... what if they billed the wrong patient? Now its ' affecting my credit and that needs to be removed. I am also disputing this with all XXXX credit agencies. Please do something. A lot of people do n't realize that they can stand up to these people and they end up paying something because they are threatened that its going to an attorney and going on their credit report. The doctors name is XXXX XXXX in XXXX il.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc. (OH)

I have attempted to contact PDQ Services Inc. after discovering them on my XXXX report for a debt in the amount of {$2000.00}. I spoke with XXXX XXXX and informed him that I was not aware of the debt and had not receive any type of correspondence regarding this debt. He informed me of the address they had on file. I asked if he could send me verification of the debt. I received one piece of paper stating the amount of the debt and the original creditor which was an apartment complex by the name of XXXX XXXX. I had never rented from that apartment. so I contacted the apartments directly and they had no record of me living there. I attempted to contact PDQ Services and spoke with XXXX XXXX again advising him that I wanted a full detail validation of the debt. He refused to provide any information. He then hung up on me and has refused to take my calls or return calls.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

On XXXX/XXXX/XXXX we purchased a refrigerator and dishwasher at XXXX XXXX in XXXX, PA. The purchase price was {$2700.00}. We financed the purchase with brandsourcecard.com based on the dealer 's recommendation. The promotional financing was 12 months no interest with payments required. The promotional expiration date is XXXX/XXXX/XXXX. We are making payments. The merchandise was very late being delivered. The refrigerator ( the bulk of the purchase price ) was n't delivered until XXXX/XXXX/XXXX. I called XXXX and asked them to correct the interest start date to XXXX/XXXX/XXXX and the promotional expiration date to XXXX/XXXX/XXXX but they refused to make these changes. I would like those changes to be made because it is unfair to penalize us for the dealer 's XXXX delay in delivery. I would add that the dealer never communicated with us about the delay until we reached out to them.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I received a report from Experian stating I received a negative report on my credit history. I contacted them and Experian sent me a report from Experian  XXXX   XXXX . The report lists a Late rent payment made in  XXXX    XXXX   to management of  XXXX   XXXX .     I am not the responsible party for the late payment. I attempted to make direct payment by check to their office several times, as I have always done on prior occasion, to no avail.      1. Exterior  " after hours '' payment drop box was fixed shut so as not to allow direct payment via this method ( as normally done for previou s two years ).     2. Office was ( understandably ) close d on  XXXX   XXXX   ( d ue date ).    3. Office w as also closed all day Monday,  XXXX   XXXX . I attempted payment delivery before going to work, and again after work  4.  On  XXXX   XXXX , I again attempted payment delivery around  XXXX  before going to work but office was not yet open. Upon return after work around  XXXX , I yet again attempted delivery but office was closed.    XXXX . On  XXXX   XXXX , I delayed going to work until office opened at  XXXX  and handed payment to office personnel, then went to work late.     The following day I received a rather unseemly note attached to my door stating that my payment was late and must be payed immediately by cashiers check to also include a late payment fee of {$120.00}, even though my payment had been accepted by office personnel the previous day. As a resident of this facility for some three years, having always paid my rent on time, and given all my attempts to pay on time in  XXXX , plus the fact that the " after hours '' drop box was disabled AND the office was actually closed and not accepting any payments for  two of the first three da ys of  XXXX , I was completely dumbfounded by this response and advised management so. At that time they apologized and told me my check was accepted and rent was considered paid.   However, the following week I was told that I still must pay the late fee of {$120.00} even though management had made the possibility of punctual payment near impossible.     I judiciously try to maintain a credit rating above  XXXX  at all times. I fully believe I made all reasonable attempts to pay this account on time and feel it is management 's mutual responsibility to take measures making client payment as convenient and reasonable as possible as well. It is unfair to taint my credit history with a late payment solely as a result of management 's measures to make client payment so very difficult.
Consumer complaint received 2017-06-30
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)

Contacted XXXX and Equifax in XX/XX/XXXX; XX/XX/XXXX ; XX/XX/XXXX via certified letters informing them that they are incorrectly reporting a negative account as a status of being scheduled to continue on record until XX/XX/XXXX. I referred them to the Fair Debt Collection Practices 1978 and the Fair Credit Reporting Act 15 USC 1681. I referred them to an on-line article, written by XXXX themselves and still found on-line for consumers to read, written on XX/XX/XXXX by XXXX XXXX, where they note that the 7 year period starts from the date the account became late and was never current again.
My account, verified by the bank, 3 different times as correct over the past 2 years, was noted to be 30 days late in XX/XX/XXXX, 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXXand Charged off inXX/XX/XXXX. The first 30 day delinquency in the series will start the 7 years reporting and the entire series needs to be deleted after 7 years.
XXXX and Equifax is in violation of the 2 laws and need to be held accountable, especially since they needed to settle in XX/XX/XXXXwith 31 state attorneys on inaccurate credit reporting information on consumer reports.
Consumer complaint received 2015-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (DE)

About 20 or 25 yrs ago Citi Bank said that i owe them some money but I never took out any loan or anything from Citi Bank, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called XXXX XXXX they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

I have been denied credit within the past 2 weeks because lenders have been unable to pull my Equifax credit report. I attempted several times within the past week to obtain my own reports through the Equifax site but when I do, I receive an error message. A hold is placed o my credit card for each attempt but no credit report is produced. By not being able accessing my report, I am unable to make important financial changes. Customer service has not been responsive and has been unable to help me. I have no active credit freezes or alerts on my file that should prevent me or a lender from obtaining my report
Consumer complaint received 2016-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (IL)

I was contacted by a collection agency today called XXXX in regards to a fruadulant debt from XXXX XXXX. They claimed I owe XXXX over XXXX dollars for a service I never ordered. They claimed that I have this service in my home and are not paying for it. I had received a box in the mail back in XX/XX/XXXX from XXXX. I called them to ask what this was about. They told me to ship it back free of charge, but to go the XXXX store. We did the next day. We continued to receive bills in the mail. I would call them and explain to them that I never ordered XXXX and their is a mistake. Each time I called when bills were coming in, the customer service said that it was a mistake and it would be taken care of. Now the collection agency has called me twice in the last few days. When I said I do not have XXXX that I have XXXX/ XXXX they did not believe me. I have had XXXX for over 23 years. XXXX today directed me to Identity Theft. And they directed me to you folks.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

Clients applied for a loan modification XX/XX/XXXX and were advised XX/XX/XXXX that they had been denied assistance. They then received a notice of intent to foreclose XX/XX/XXXX included in that letter was a loan modification agreement dated XX/XX/XXXX. The hearing was set for XX/XX/XXXX. The letter they received had a HAMP Tier II loan modification with payments starting XX/XX/XXXX. When they received the paperwork they contacted the lender and the lender advised them to send the loan mod back in and they would honor it. However, when they did get it turned back in the lender said it was too late and denied them the assistance. We immediately applied again XX/XX/XXXX and XX/XX/XXXX trying to get the loan modification. The lender then stated that they could not get another loan modification for 24 months from the XX/XX/XXXX loan modification even though they were never made aware of the agreement until XX/XX/XXXX.They are asking that the lender honor the loan modification that was supposedly offered to them XX/XX/XXXX. They are asking for proof of receipt of the loan modification paperwork as well. They received the paperwork XX/XX/XXXX ; however, the letter was dated XXXX. When they contacted the bankruptcy dept XX/XX/XXXX they were advised to go ahead and send over the paperwork and they would honor the loan modification. Once they did this the lender said it was too late. We resubmitted the loan modification package XX/XX/XXXX and they were turned down again stating they had had exceeded the maximum number of loan mods allowed by investor.
Consumer complaint received 2017-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

My wife and I filed for Ch. XXXX  b/k in  XXXX    XXXX  .  XXXX   XXXX  and  XXXX  both list this correctly. However, Equifax refuses to show this correctly. They show a Ch. XXXX  bankruptcy, which never occurred, causing us a hardship when applying for credit. I have repeatedly tried to contact them to no avail. Ca n't get through via phone, and their online dispute process never actually works - just error messages.     Additionally, Equifax lists several of our creditors as included in the non-existant Ch  XXXX  bankruptcy. Again, disputes filed, no resolution. Please help!
Consumer complaint received 2017-06-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (TN)

I am reporting The XXXXXXXX Family on behalf of my deceased father. XXXX XXXX is using our late father social security number. They 've stole my identity also, They 've changed my date of birth with XXXX, placed a seven year fraud alert on my credit file. My former employers have been changed fromXX/XX/XXXXAll of my former addresses have been changed. My late father name is XXXX XXXX he was a Veteran. He had a veteran 's loan on the property at XXXX XXXX XXXX TN XXXX. The deed number used to make fraud transactions is XXXX, XXXX, XXXX. There is a deed number that have XXXX no tax associated XXXX & XXXX. XXXX XXXX stole my personal information. Birth certificate, drivers license & social security card. The Family took my information with XXXX XXXX to steal funds. XXXX XXXX is a grandchild and she 's using my father social security. XXXX suddenly moved to XXXX using my information. XXXX traveled to XXXX in XXXX. My late father only benefits was social security. He did not have no where that type of money. XXXX have a XXXX XXXX XXXX in XXXX. I 've done a people search on my father 's name. He was XXXX when he passed away. His social security number is still active & shows he is XXXX. My father passed away on XXXX XXXX. The commercial appeal obituary shows his death. XXXX children is using my late father information. I also paid Attorney XXXX XXXX to pull information for me. He pulled my father 's information also. He have this information on file. This another way I learned of the XXXX dollars.