davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information ChexSystems.
Consumer complaint received 2024-11-09
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Meridian Financial Services, Inc. (GA)

Greetings Again This Company is reporting FRAUDULENT Inaccurate information on my Credit Report. I have REQUESTED that, They PROVIDE the PURCHASE AGREEMENT to Show Full Ownership of this so called Account, and also Other documents. They FAILED TO SEND THEM.

So I may REVIEW like the FCRA laws and policies state. I need to SEE if this is Actually an Account that Belongs to me.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation (MO)

This company is reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually that belongs to me XXXX XXXX BRIDGE CREST Credit company amount {$7200.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I requested the inaccurate information to be deleted of my credit report. XXXX responded that the disputed information has been verified and updated. In addition, the creditor didn't respond to my request for the validation of debt request on at least two occasions.

See attached!
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NV)

Opened : XXXX Balance : {$510.00} I have sent a debt validation letter to the creditor and have not receive the confirmation that this is my original contract.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CT)

I purchased a shirt from a brand that looked like the brand XXXX but it turned out to be counterfeit, I provided more than sufficient evidence to my bank even including side-by-side photos of authentic products and how to authenticate them and showing the counterfeit item and how it lacks the authenticating pieces. I have gone through four dispute attempts for this purchase and I feel helpless at this point.
Consumer complaint received 2024-10-31
Product: Credit 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 (IN)

Today, XX/XX/XXXX, I went to use my credit card to pay a bill ( which I have paid my card off up to date ) and it says that my spending is blocked. It also states that my account is restricted. I asked the Goldman Sachs/Apple team member why through the XXXX portal and they said my account is under review and said to wait up to XXXX business days. I need to use this card ASAP and cant because of some random check. Also, Ive been waiting months for my disputes to be processed on the card.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

My name is XXXX I recently open a bank account with Citibank only for work purposes everything was going until all of all sudden trying to log in into my account I could never imagine its been a month Ive been with them never received a card or anything when they decided to lock it thats when I received a physical card I went to the bank to know whats going they told theres a hold on my account ask why they dont know I have to call fraud department call them now they saying my account is going for closure imagine I have {$25000.00} into my account I have bill I have need they not telling when Im gon na have my money or anything thats when I decided to go online make my research just to see everyone going through the same thing and thats so agains the law I went to the bank physical bring all my documents proving is me but they could do anything and my money is out there
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Good day, there are inquiries on my credit report which I don't recognize nor applied to, I did not authorize this nor given consent to these companies to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Yes I filed claim with Capital One Bank ( Claim Number XXXX ) regarding getting a charge back due to fact contractor was paid for services and did not do job he was paid for. I filed claim and submitted all information and capital One kept saying they did not receive documents supporting my claim. Each time they reopened and twice I sent via email the XXXX time I submitted via fax which went through because I got confirmation. I called the next day to see if they had received the documents and representative stated that claim had been denied. Representative could not verify my documents were received, I started this claim on XX/XX/year> on XX/XX/year> they denied stating no paperwork was received. On XX/XX/year> Rebuttal was started I was told to send paperwork which I did again denied stating I did not submit paperwork which I sent via email. Third time calling and this time I faxed all paperwork called and they stated no paperwork was received, Again rebuttal submitted. Capital One is not communicating well with me and I am sending all paperwork that I have given them. I need them to look into this matter and follow-up and communicate. what they need because I'm getting different information from each person I speak to. I can not get in contact with the contractor I have written letters, ( none returned ) sent certified mail, contacted Consumer Affairs who also no response from contractor, I have written letter requesting refund. I need help.
Consumer complaint received 2024-10-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nationwide Capital Services, LLC (MI)

XXXX XXXX called my mom 's ex husband, saying I wrote a bad check. He left voicemail on otheres phones saying I wrote a bad check. I also have him calling my work saying I am not above the law and that I am to put him through to my HR. As well as telling me I can not tell him where and who to call. He will do as he pleases.
Consumer complaint received 2024-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (TX)

This in regards to an account that was sold to you by XXXX credit. I have disputed this account several times to the creditor and they refuse to send me any proof of why they believe this is my account just statements. I have never done business with this company before, nor have I accepted ownership of this account. They claim that I have but I do not know why its so hard for them to believe that my identity was stolen even after submitting several legal documents proving that the address, phone number, name was all identity theft and that this account is proof of that. In the last communication It was stated that I made a CFPB complaint to this company in XXXX but I did not which is furthermore proof that it is identity theft.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NC)

A drive by merchant stopped and asked if I would like some pine straw installed for {$6.00} per bale, I told them ok just keep it under XXXX bales, being I was just refreshing the front yard. They installed XXXX bales for {$160.00}, I paid with a citi costco card, they ran it on their phone and left, when the credit card statement arrived I had been charged {$2800.00}. I immediately called the company ( XXXXXXXX XXXX XXXX, no answer, filed a dispute online with citi costco, went to XXXX XXXXXXXX store to fax/email receipt, couple weeks later they denied my claim saying they did not receive my receipt, asked them if I could send again, called them a couple days later and they said they had received it and would reopen, couple weeks later, denied due to no receipt, I don't know what else to do, we are retired and live on a fixed income, {$2600.00} is a lot of money, thanks
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Continuous calls from an XXXX number, one number is XXXX, stating they are Bank of America trying to collect a debt. I will block one number and they will use another number to contact. My phone number is an XXXX area code. I know that Bank of America is not out of Vermont. I do not owe anything to Bank of America. Never had anything to do with Bank of America.
Consumer complaint received 2024-10-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (VA)

I was given a Vanilla Visa Gift card for {$280.00} as a birthday present in XX/XX/year> to use toward an event happening in XX/XX/year>. I opened the card out of the packaging for the first time to use it in XX/XX/year> and there was only {$0.00} balance on the card. I went to the Vanilla Visa website to report the issue ( when I checked the balance, it showed two transactions I didn't make made in XX/XX/year> ). I have tried at least 10 times on different days to report the fraudulent use of the card through their website, and it gives me an error every time. When I call customer service, it directs me to submit the problem on their website, and there is no option to talk to a real person at all. How can it be that their only form of reporting the unauthorized transactions is on their website but it doesn't actually go through? This is shady business practice, since I saw that there is a lawsuit against them for knowingly selling cards that were easy to compromise, and then on top of that, there is no functional way to report unauthorized transactions to them to possibly recover the funds.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (CO)

Complaint Details : Issue : Failure to provide provisional credit within the required timeframe following a chargeback dispute Date of Original Transactions : XX/XX/XXXX and XX/XX/year> Merchant : XXXX XXXX ( outdoor apparel ) Date of Dispute Initiation : XX/XX/year> Background and Facts : I filed a dispute with SoFi on XX/XX/year>, after two purchases made with a new retailer, XXXX XXXX, on XX/XX/XXXX and XX/XX/year>, for outdoor apparel. Despite repeated attempts to contact the merchant, I received no response and never received the goods I ordered. I provided SoFi with copies of my transaction details and copies of my unanswered emails and documented phone calls to the merchant. 

The SoFi chat agent confirmed the submission of my written chargeback request on XX/XX/year>. However, as of XX/XX/year>, I have yet to receive either a provisional credit or a final resolution. 

Relevant Regulation : Under Regulation E, 1005.11 ( c ) ( 2 ) ( i ) of the Electronic Fund Transfer Act, financial institutions are required to issue a provisional credit to a consumers account within 10 business days of receiving a dispute if the investigation can not be completed within that timeframe. In my case, the 10-business-day window has elapsed, yet SoFi has failed to provide this provisional credit.

Failure to Adhere to Federal Regulations and Poor Customer Service : On XX/XX/year>, I contacted SoFi to inquire about the status of my dispute and spoke with an agent named XXXX. He informed me that my case was " still under investigation '' and implied that I would only receive a provisional credit if I " asked nicely '' and directed my request to " the right people. '' XXXX statement directly contradicts federal regulations, which mandate provisional credit after 10 business days in unresolved cases. No additional contacts, timing updates, or assistance were provided.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

Paid Account on XX/XX/XXXX Payment was for XXXX $ & XXXX $ Account only credited for XXXX $ not XXXX $ Contacted by XXXX XXXX CCompany stated XXXX $ not recieved XXXX acknowledge issue, Company stated When Account was edited for XXXX $ payment XXXX cancelled out the XXXX $ payment XXXX updated the payment, XXXX failed to remove XXXX  day late which significantly effects my XXXX XXXX as well as my Co-buyer, Account has never been late, Their lack of understanding is Unacceptable when the acknowledge the account was paid on- Time.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
AppleCard/GS Bank : XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In
generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed an account that is not reporting accurately. I am showing 30 days late on the account. This company has never notified me that I was about to be late nor notified me that I am late. I was never notified and 15 U.S. Code 1666b - Timing of payments I have a right to be notified. I am requesting that this late payment be removed and updated and this account status be updated to paid as agreed and NOT from no more than 2 payments past due because this is inaccurate.The lack of notification by email or mail has caused a great deal of stress and is detrimental to my credit health. The consumer reporting agencies and furnishers have a legal duty to follow consumer laws. This situation was not handled within the legal realm of this code. I was not notified. Thank you for your prompt understanding and prompt action. 

I have reached out to this company in XXXX and have been told a manger would call me back but this company has totally ignored the damage that they have caused to mycredit for not following the law. i have also advised them that I have been greatly affected by XXXX XXXX and this has caused me not to obtain relief and resources.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (OH)

I will try to describe the problem : At this moment I feel I have no voice. And I feel I may not have legal recourse. Hence this note : I have had a secured credit card from First Progress. I have had small overages during this time. The highest overage was {$1.00}. The others are less than {$1.00}. 

Each time they charged me fees. Understandable. Each time they tanked my current credit score XXXX points per time [ XXXX at last look ]. This is infuriating. Today my credit score is in the XXXX 's / XXXX 's. What they appear to be doing in linking my overages to credit point loss. So, for example, if my overage was {$0.00} cents, they would charge me a purchase fee and THEN tank my credit score XXXX points. 

I believe this is over-punishment. I believe this is wrong. I believe First Progress uses this to bully its user 's into doing what First Progress wants them to do and are using my credit score to attack me. 

Attached is a PDF with further information.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX EXPERIAN XXXX 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 in ( MONTHS REPORTING LATE ) to be removed.

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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports