davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (PA)

I was approved for a GM Rewards ( issued by Marcus by Goldman ) credit card in XXXX XXXX XXXX. I wanted to take advantage of the 9 month interest-free period, so I attempted to immediately charge a vacation using the virtual card provided to me on the website. The charge was declined multiple times. The physical card came to me in the mail but I was unable to activate it. This is because on the website, it said my card was " restricted ''. Over the next 3 weeks, I made 3 calls in an attempt to remove this restriction so that I may use the card. I spent approximately 9 hours on hold. Each time I was told that they could not help me, but someone would be calling my cell phone to speak with me to rectify this. I received zero phone calls. On XX/XX/XXXX, I did a 3 hour online chat with XXXX XXXX XXXX. She claimed that there were XXXX levels to my restriction and she was unable to get through all of them. I was then told, again, that someone would be calling me. They have not. I have lost time of the interest-free period I could have been using to pay off my vacation. I have also sustained damage to my credit score for the inquiry to be approved for this card that I am unable to use.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (GA)

My XXXX wrote a check to our mortgage company the last of XXXX for our XXXX mortgage payment. At the end of XXXX we get a notification from Chase that there was a fraudalent check ( someone had created a fraudulent check ) and they shut our account down. A week later we get a mortgage statement showing that we havent paid our XXXX mortgage payment. After some digging we realized that our mortgage payment check had gone through the bank but you can see clearly on the check where someone wrote in their name after the mortgage company name on the " pay to '' line. This person is the same person who created the fraudulent check that shut our account down. On XXXX XXXX we went back to the branch and according to the branch manager where we bank frequently she says that check should never have gone through and that its against Chase Customer Policy to allow this to happen. At that time we called the Chase Fraud dept. while at the branch and they told us they would open an investigation and that it could take up to XXXX days for them to get us our money back. I told them that was unacceptable and asked to speak to a manager which they said they would put a request in and they would call me back. On XXXX XXXX I received a call from a manager and explained the situation and his response was that he would expedite our claim and we should receive our money within XXXX weeks. On XXXX XXXX I called the Chase Fraud dept. again to see where the money was and was put on hold for XXXX hour and XXXX minutes until I decided to hang up. I was going to wait to see if the money showed up the following week. So today XXXX XXXX I called the Chase Fraud dept. once again and now I am being told that they have revised the timeline again and it may take up to XXXX days to get reimbursed. This is an atrocity. They made the mistake, yet we are paying the price.
Consumer complaint received 2022-03-25
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. (VA)

I contacted a clerk at the court and the clerk provided me with another set of court documents that I have attached to the compliant that proves these bankruptcies were filed fraudulently in my name. The documents clearly state these three bankruptcies by case number so there is no confusion as to what I am disputing and why. I have tried several times to resolve this issue with Equifax. Please hold Equifax accountable for reporting false information on my credit report even after I provided documentation. Please review the new documents the court clerk provided me. Again, I am submitting the compliant for Equifax to remove these bankruptcies.
Consumer complaint received 2022-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (TX)

On XX/XX/2022 I had used my spouse bank card ending in XXXX of {$160.00} with the conformation # XXXX I went online to pay the {$160.00} and it gave me a conformation # and when i check it again it had a balance of {$200.00} so when the XX/XX/2022 came I pay the other half of that {$200.00} with my card ending in XXXX along with the conformation # XXXX, and the only reason why I used my spouse bank card is because I had a bad cold and my purse was in the trunk of my car I been fussing with Westlake financial services about this for 3 and half weeks and they think I am lying about this which I am not because they did this to me the first time and I believe that this company is stealing people money because I seen the reviews and when I pay the {$160.00} they gave me an conformation number and I am on the phone with them now and they giving me the run around and trying to keep on lying about it and the customers are always right I have evidence stating that I pay of {$160.00} and the conformation # for that and the conformation # for the {$200.00} and they have me on hold and haven't came back to the phone yet I don't know if their doing fraud things on my account or some else.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/22 I spoke with XXXX XXXX about a vacation package timeshare. At that time I agreed to run my credit to see if I was approved for a funds for a deposit on the vacation package. I wanted to take the entire contract to my room and read it. After doing so, I decided I did not wish to purchase any package or timeshare. I have a signed statement from the merchant stating that the deposits previously discussed on XX/XX/22 would be refunded within 15 days. This was not done. I have disputed the charges with my XXXX XXXX. However the Barclays card which is the line of credit XXXX ran will not allow me to file a dispute. They have been stating their system is down for three days, I received no services. I do not owe them money. I also did not want to open this line of credit. Barclays is not cooperating with me. I have also reached out to my contact at XXXX XXXX with no response.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (TX)

My car loan is behind for 3 months. Just like the rest of the world I had experience hardship. However, I do understand that business is business and I must make my payments. I spoke with an agent by the name of XXXX on XX/XX/XXXX and I advised her I wouldnt be able to make a payment until the XXXX of XXXX she stated that wasnt good enough. She then called back on XX/XX/XXXX and I advised her of the same thing again. I advised I would like to keep the car however I dont get paid again until the XXXX she basically told me there wasnt anything else for us to talk about. This setting of conversation is unprofessional and inappropriate. No matter how far behind a consumer is we are still doing business and deserve respect. On XX/XX/XXXX I spoke with another rude unprofessional agent by the name of XXXX. This lady felt as if everything was funny. She continues to over talk me and wouldnt listen when I address her about it she started laughing as if it was funny. I see why Flagship has 2 when it comes to consumers because of agents like this. I dont dispute the amount due but I be XXXX if by any means this company treats and talk to me any type of way.
Consumer complaint received 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

After several complaints and attempts to get this error corrected XXXX XXXX and Credit Karma have failed to correct it. I did receive a letter from XXXX  XXXX saying they would remove the negative info, however they report me in arrears and still delinquent. this is affecting my ability to live and access thing I need at XXXX to prepare for retirement without becoming a burden to society. Not to mention illegal and against everything provided for the consumers protection from rip offs like XXXX XXXX! 

MY NEW PHONE IS ... ... XXXX
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Equifax letter dated XX/XX/2022 confirmation # XXXX. Results - XXXXXXXX XXXX  account was updated to - PAID IN FULL, account balance {$0.00} and an update freeze was placed on the account. This was done by Equifax per my dispute and CFPB complaint XXXX regarding XXXXXXXX XXXX issuance of a XXXX which cancelled and discharged the debt. 

Just 5 days later, XX/XX/2022 Equifax reinserted a balance of {$22000.00}. 

XXXX account accurate Balance is {$0.00} with reporting date of XXXX per the XXXX issued. Equifax knows the accurate balance is {$0.00} WHICH IS WHY EQUIFAX UPDATED THE BALANCE TO {$0.00} ON XXXX XXXX. EQUIFAX SHOULD NOT HAVE REINSERTED A BALANCE JUST 5 DAYS LATER. 

Equifax dispute results letter dated XX/XX/2022 with pages XXXX, XXXX and XXXX are attached to this complaint for proof of letter received from Equifax. There are yellow highlights on the pages noting Equifax results of {$0.00} balance and paid in full. I am also attaching another copy of the XXXX. 

This seems to be a FRCA violation. Permanently delete this account due to the inability to freeze the updating of a balance on this account. The accurate balance is {$0.00}. The updating from {$0.00} to {$22000.00} then back to {$0.00} then back to {$22000.00} can not keep happening.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NV)

Avant LLC has charged me late fees that caused my account to go over the limit. For about XXXX months Avant kept charging me those fees at XXXX per month. I was unemployed during that timeframe. I called Avant LLC in concerns to my credit card just to be told they wont be able to assist me. I have requested copy of the statements which they have informed me that they do not have
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (RI)

I have a list of transactions that i did not authorize on my cashapp that Ive been disputing since XX/XX/XXXX. Cashapp has not properly investigated, informed me of anything thats been done or investigate, refused crediting my account, refused refunds, ignores My inquiries about the process, and has been retaliating against me when i tell them theyre breaking the law they deny my claims without investigation, and Id now stating that they cant refund the transaction even though Ive filed 35 disputes regarding 5 transactions and proved that someone stole my phone and had access to my account and personal and financial information. I have XXXX $ stolen and have lost my home and car as result of their illegal practices. This is my second time this year filing a complaint with you guys about this and Nothing has been done and its still happening over and over. There needs to be legal repercussions for them.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2022-03-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc. (PA)

Auto Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX XXXXy Auto Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX XXXX Installment Loan or New Bank Account Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX/XXXX  got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Auto Inquiry XXXX XXXX  XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Installment Loan or New Bank Account Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

Auto Inquiry XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XXXX  XX/XX/2022 Auto Inquiry XXXX XXXX XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report.
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-25
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I was a victim of fraud on or around XX/XX/XXXX in the amount of {$340.00} for an XXXX XXXX charge. I contacted my credit card company on or around XX/XX/XXXX, when I discovered numerous other fraudulent charges on my card ( over $ 3k worth ). The fraudulent charges were waived except for XXXX XXXX XXXX charges which, after a nearly 6-week investigation, the company decided were not fraudulent. They absolutely were fraudulent charges - no one else is authorized to use my card. XXXX XXXX helped me get one of the charges cleared up - but the {$340.00} charge remained. It remains to this day, despite my having made literally dozens of phone calls telling them to reopen the investigation. Customer service reps have promised to reopen the claim and have not. I sent certified mail regarding the situation on or around XX/XX/XXXX and received no response. I also demanded my fraud investigation file, and they have not complied. They are completely unresponsive and ignoring me, a client of over 15 years.
Consumer complaint received 2022-03-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NY)

I looked up the address to make a payment to my salliemae loan. 

This link popped up https : XXXX/ I sent my check of XXXX XXXX, XXXX dollar to this address below. {$1800.00} Payment address : Sallie Mae XXXX XXXX  XXXX XXXX, PA XXXX Now they are saying they can't find my check for my student loan and the payment won't be applied in time because of these XXXX. These XXXX gave me a late payment before on my credit for there mistake and now these XXXX have an address that is no longer active up on the site for payments!!! If they payment is not reported on time then I will be at fault because of the XXXX  and there unprofessional antics
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (GA)

.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 accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

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

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

8. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-03-25
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. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-25
Product: Credit card or prepaid 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: DISCOVER BANK (NM)

Earlier tonight XXXX I tried to make a complaint. I think I typed too slowly or tried to upload too many documents. When I finished uploading documents it said the complaint was not saved. My complaint is against Discover because they don't seem to be trying to answer any questions about how I was scammed by XXXX XXXX and one of their merchants. I'm going to try to upload my 2 page complaint so it doesn't get timed out again. I authorized XXXX XXXX to charge on my Discover credit card for {$3400.00} to get rid of my timeshare legally. However, the charge appeared as from XXXX. Discover doesn't seem to answer any of my questions about how this fraud was perpetrated on me. They won't even clarify who really was the merchant at that time. Although XXXX was on the receipt, in the last few letters I received from Discover they list XXXX as the merchant. I tried to include many, but not all, of the documents I sent to Discover previously. Initially, after I called Discover on XX/XX/2021 to report that I had been scammed by XXXX XXXX, they credited my Discover card account and I thought they were looking into my dispute. However, recently they put that charge back onto my card even though they said they'd let me send more information to them. They didn't wait to get it. Instead they put the charge back on my card before I even received their letter telling me they were going to do that. Discover doesn't really seem to be looking into my dispute. My case is very similar to what happened to the timeshare owners in the case of XXXX XXXX versus XXXX. It was found to be a deceptive and fraudulent practice to promise a service they knew they could not deliver. Discover isn't even helping me get to the bottom of how this could have occurred to me with one of their merchants.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The credit bureaus Experian, XXXX and XXXX are reporting this account named XXXX XXXX in my credit file. 
This XXXX XXXX account does not belong to me. 
I have disputed this alleged debt/ in my credit file account 3 times. However, the credit bureaus refused to delete it from my file. Instead their reply to my deletion request was verified the account belongs to me. I asked for proof of the validation but was never provided such. I need this account removed from my credit file because it does not belong to me. I also need any information that the credit bureau have from this creditor so I can file this case as identity theft being the credit bureau said they verified the debt was mine
Consumer complaint received 2022-03-25
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.