davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (TN)

On XX/XX/year> at XXXXXXXX XXXX I was charged interest in the amount of {$38.00}. My bank account linked to this credit card, recently experienced a fraudulent transaction and was closed under the direction of my bank. 

I communicated this to Apple Card and was told that my auto payment of {$1600.00} was successfully accepted ( e.g., before the bank account was closed ) and that my monthly balance was paid in full. ( I have a chat transcript of this conversation that I can provide to you if needed. ). The agent further told me that since the monthly balance was paid in full, " you will not accrue interest charges. '' Obviously, this was not the case since, I was charged {$38.00} in interest. I have a perfect track record of paying my credit card on time, and obviously if Apple Card would have told me that my bank rejected my auto payment, I would have paid the balance using an alternative method.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (AL)

I learn by reviewing XXXX XXXX credit report that a company called XXXX has checked my credit 3 times in 3 years, this is not a normal procedure, a company does not check your credit every year, this is fraud. I never ask them to check my credit but one time and that was in XXXX not XXXX and XXXX. 

They checked my credit on XXXX XXXX and again on XXXX XXXX, I did not ask for credit in these XXXX years. Yes I have and account with them but that was taken out in XXXX. Sense that time they have checked my credit XXXX additional times for no reason and without prior permission from me. I am a victim of identity theft and I don't appreciate them ruining my credit for me. They are ruining my credit. 

This is not a normal procedure for companies to keep checking your credit every year when you have not applied for any credit from them. I have a block/freeze plus additional blocks on all three credit reports, Someone is not doing their job to block these companies from checking my credit. I was told to add additional blocks on my credit just for that purpose. 

This extra security has not stopped XXXX from checking my credit, some way they hacked into the credit reporting system and stole my credit report, this is fraud and they have to be stopped before someone is hurt by their negligence. I do not appreciate this by no means. How many other consumers has they ruined? They are out to ruin me for life if they don't stop now. This is identity theft and fraud. Stop the fraud of my credit. This is simply fraud. There is a statement on all credit reports that companies need to contact me before they check my credit, they disobeyed the law by not contacting me first. When there is a statement on someone's credit report they need to abide by that rule. 

Stop checking my credit report. I did not give them my permission to do this. This is all fraud. I did not ask them to check my credit in those two years, they cracked open the credit system to check my credit, A stolen credit report. I did not ask for credit from them in the pass two years but they still checked my credit without prior permission. I do not want XXXX or any other company checking my credit without my permission. I didn't give it. They had no right, No company does this.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently I loocked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking yoy to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (SC)

According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT law and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (FL)

After reviewing my credit report, I noticed a LATE payment reported on my mortgage account. About three weeks ago, I called XXXXUNITED WHOLESALE M and explained what happened, told them that the reason for the delay was that my husband lost his debit card, and we forgot to link the new card to the mortgage account after we called to cancel the lost debit card. This was an oversight and/or ignored, I was willing in good faith for them to fix this issue. I should not suffer damage to my credit score because of it. I am now asserting my rights under 15 USC 1666b, which states that a creditor can not treat a payment as late if it's related to a credit card under an open-end consumer credit plan. Reporting this late payment is a violation, and I request its removal from my consumer report immediately.
Consumer complaint received 2023-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sarma (PA)

SARMA COLLECTION INC, debt collection has reported me for the debt that is not mine. 
The debt is from XXXX XXXX XXXX for amount {$550.00}. 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 So the debt is for the XXXX XXXX XXXX 
I should emphasize that I was approved for XXXX XXXXXXXX for period XXXX XXXX XXXX XXXX XXXX. So basically, every bill for this period is covered under XXXX XXXX. The office within 90 days, should submitted a claim to the XXXX XXXX. They didnt, so they lost the deadline. IT is not my fault for losing the deadline. I let them know so many times and for the last time I called them again on Friday, XX/XX/XXXX th XXXX time XXXX XXXX  to tell them again to submit the claim on time, but they didnt. 

XXXX. SARMA COLLECTION INC, hasnt reach out to me. I have sent them a letter explaining them everything. 
XXXX. SARMA COLLECTION. INC has reported me to the credit company illegally and has impact my credit score. They sent me a validation debt on XXXX XXXX XXXX but in meantime XXXX day before they have reported me to the credit bureau on XXXX XXXX XXXX They can not report a debt to a credit reporting company before sending the validation notice and before waiting for a reasonable amount of time. So they send this validation document on XX/XX/XXXX and you have reported to credit reporting company on XX/XX/XXXX. This is completely illegal. 
XXXX. SARMA COLLECTION. INC illegally has discriminated me and is not replying me for this claim. 
XXXX. SARMA COLLECTION. INC illegally has hurt my credit scores after reporting it to the credit bureau illegally and unfairly.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (IL)

During my purchase of XXXX  phone on XX/XX/2020 at XXXX store online the tax amount shown as I will be charged was {$68.00} and after the transaction was completed my card was charged for {$82.00}. I have filed a dispute with Apple Card ( Goldman Sachs ) and they said they will reach out for evidence from me but didnt happen and after few days they said it went in merchants favor. So I filed a dispute again and they could not resolve. So I have paid off all the other balances in my card except {$82.00} and closed my account.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2024-08-14
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: EQUIFAX, INC. (SC)

Please assist me in regards to some negative items that are showing on my XXXX i already provided the XXXX documents the last time you asked me to provide together with the XXXX letters and the specific accounts that I wanted to be removed from my XXXX
Consumer complaint received 2021-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions (FL)

XX/XX/XXXX - original amount {$25000.00} ( approximately, as I have never received a bill ) - I noticed a collection on my credit bureau report for {$1700.00} listed as " original amount '' which is totally untrue. I contacted the reporting collection company by phone sometime in XXXX - they refused to give me details of the account, history, payment information or any other information but continue to report it to the Credit Bureau XXXX XXXX XXXX XXXX My medical insurance company, XXXX, covered and paid them XXXX XXXX XXXX XXXX XXXX, ) approximately {$22000.00} services were for air flight transport from a hospital Emergency Room ( who could not handle my injuries following a major and catastrophic accident I suffered XX/XX/XXXX ) to a different hospital Emergency Room. 
XXXX XXXX XXXX contracts with providers and they are obliged to accept their payment and rate tables as payment in full. My deductible was met prior to the accident of XX/XX/XXXX and prior to these services/charges incurred.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

I have had a Square account for over XXXX years, which I have used for my business operations without any issues. On XX/XX/2023, without any prior warning or explanation, Square deactivated my account. This action has left {$800.00} inaccessible in my account. 
I have reached out to Square multiple times to understand the reason behind the deactivation and to resolve the issue, but I have not received any clear response or assistance. I have also requested to speak with supervisors, and while I was able to speak with one on one occasion, they did not provide any helpful information regarding the account deactivation. The others simply refuse to take my call, and the representatives proceed to disconnect the calls.

I find this situation completely unacceptable, as I have not violated any policies or engaged in any suspicious activities with my Square account. I have several accounts with Square, and this experience has left me extremely frustrated and disgusted with their lack of communication and assistance.

I believe that my funds should not be held hostage without a valid reason, and I request an urgent resolution to this matter. It is essential for me, as a business owner, to have access to my funds and to receive a clear explanation for the actions taken by Square.

Please investigate this issue promptly and ensure that I can regain access to my funds and continue using Square 's services without further disruptions.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 XXXXXXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Credit limit {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from XXXX. I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. XXXX received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$15000.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

For the 4th time, I am requesting : 1. Documentation regarding my fraud investigation. Wells Fargo still did NOT provide me with any documentation regarding my investigation.

2 Documentation on the 3 merchants the Non Wells Fargo ATM charges occurred. I asked Wells Fargo for information on these merchants and they did not comply with my request. Since I have never been to these places and they don't exist on XXXX, I am requesting Wells Fargo give me information on : XXXX XXXX in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  None of these businesses are real, therefore, how could legitimate ATM charges occur? 
*On XX/XX/scrub>XXXX  a new fraudulent transaction occurred again at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been to this place. According to XXXX, it does NOT exist. I have my debit card with me and have NOT given it to anyone. Wells Fargo needs to investigate how I keep gettting money withdrawn from places that do NOT exist. Please, this is my fourth request trying to figure out why fraudulent withdrawels are happening from places that don't exist.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MD)

The XXXX XXXXXXXX XXXX I had financed through XXXX XXXX Credit Acceptance was repossessed. I received paperwork that it had been sold for I believe it was around {$10000.00}. I reached out a few weeks after that to set up a payment plan. With life getting hectic with XXXX XXXX relationship I was in, I had to move immediately. With all of that and trying to keep my son safe, I had not reached out to them again until I served paperwork from XXXX, XXXX XXXX XXXX. The amount was for the original amount of the car loan. With this being incorrect information, it is incorrect on my credit report and my clearance paperwork for my job. The paperwork was sent to my employer for a garnishment for the incorrect amount. It has also flagged my XXXX clearance, and I am at risk of losing my clearance and job because of this. I reached out to XXXX XXXXXXXX Credit Acceptance and XXXX, XXXXXXXX XXXX XXXXXXXX with no response.