davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
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 ()

For the second time in six months, I requested re-assertion of ongoing disputes for charges that were illegally made against my account. Parenthetically, I will say these dispute numbers are now listed in the the Apple Card by Goldman Sachs system as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all related to wrongful overcharges that The XXXX XXXX made against my account. 

Again, for the second time in six months, the improperly trained staff triggered a " problem '' in the Goldman Sachs system that blocked my card from being used. 

As inconvenient as this is, the problem doesn't end there. The action actually triggers my Apple ID account to have to be reset and a code be sent to my phone, which is problematic as I am in XXXX XXXX XXXX  and my phone ( which is actually my father 's phone ) is in XXXX XXXX 

It strains the imagination, after such a screwup months ago, as to why employees were not trained in how to handle re-assertions of charge disputes. 

I chatted with XXXX, an Apple Card supervisor with Goldman Sachs bank USA, who claimed to be the senior-most person on staff at the time, and he acknowledged the company made a mistake and took my complaint for their internal system case number XXXX. The earlier complaint case number ( for the prior screwup ) is XXXX and was submitted on XX/XX/year>.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2024-10-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Fair Collections and Out XXXX XXXX XXXX XXXX XXXX 
XXXX, MD XXXX Claims I owe {$1500.00} for back rent at XXXX XXXX. in XXXX, FL. 
I never resided there, however, gave them info on people that I knew from college that did. It is obvious that someone may have used my info to rent there. XXXX did not want to hear it or provide documentation even after proving I resided in XXXX XXXX, FL at the time. 
Ultimately they still resorted to turn it over to collections
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NC)

15 USC 1692g Validation of debts. I do not recognize how this account is reporting on my credit report. I dont recognize the account number. I dont recognize the account statues. I dont recognize the status. I dont recognize the high balance, nor do I recognize the late payments associated with it. Everything here does not meet the FCRA. 
Request purchase agreement I am asking for the XXXX of my profile Law USC 1666 ( b ) 1637 ( a ) to deleted XXXX day late payments.
Consumer complaint received 2023-06-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I was diagnosed with XXXX in XXXX of XXXX. I notified my auto loan company XXXX XXXX. I was not able to reopen my office to go back to work until XX/XX/XXXX. I struggled with re opening as it took a bit for me to rebuild my customer base as I am a XXXX and had to wait for our courts to reopen so my clients could file their documents after I prepared them. The courts did not open until XX/XX/XXXX due to the courts not opening up until XX/XX/XXXX. I struggled due to having to rebuild my client base. I never received any XXXX assistance through XXXX. There was a moratorium order to protect consumers credit. I informed XXXX XXXX, but test they kept dinging my credit score which was against regulations. They never assisted me. I need all the lates removed from my credit. In XXXX of XXXX I came to an agreement with XXXX XXXX. I paid {$7000.00} and the sent me a XXXX for the balance to file on my credit report. There was no charge off as they reported charge off on my credit. It couldnt be charged off if I paid them directly.
Consumer complaint received 2024-10-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (UT)

10 years ago I had a Bluebird card which I used for a short while then stopped using it. In XXXX I became concerned with having an open and dormant card. I contacted Bluebird in XX/XX/XXXX, at which time they verbally communicated that the account was terminated. After this time I stopped receiving monthly statement notifications in my email. A short time later I shredded my card. 

XX/XX/XXXX To my surprise I started receiving monthly statements again. I called them around this time and asked them to close my account but XXXX was unhelpful and I didn't have time to resolve at that time. 

XX/XX/XXXX I called again to try to close my account. They asked for last 4 ssn, DOB, email, and also the following information which I do not have any longer : user id, card number, card number and card # pin. They did not ask me for nor were they interested in my physical address. They said that the information I provided did not match an account on file. 

I am concerned because I still have bank account information associated with the account and I don't want the account just active and dormant. It seems that the PII should be sufficient to close an account, and I shouldn't need to have the original username and physical card to do so.
Consumer complaint received 2024-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have tried to resolve the issue between XXXX and now SPS who they serviced transferred to. XXXX never sent my {$3800.00} they wrongfully collected to pay taxes not owed and have had this money since XX/XX/XXXX. I paid off the loan early from the payoff and per diem also owed to me as we as a shortage that didnt exist of {$280.00} on payoff. I have contacted them over XXXX times since XXXX both SPS and XXXX and cant find this money they claim they sent to tax accessor on XX/XX/XXXX per their own document and than the story changed to XX/XX/XXXX to Sps which they claim They never received and refuse to contact XXXX  to resolve my issue. The {$670.00} they did send me was for an ADDITIONAL tax credit owed for my last payment and not to do with the {$5100.00} owed to me still {$3800.00} escrow refund XXXX lost and never transferred with my file {$1000.00} per diem overpayment owed since XX/XX/XXXX {$280.00} no escrow shortage for taxes that were never due to the county.

If I would have owed these taxes actually and not paid off the mortgage either I would have been screwed cause the money is still unaccounted for 140 days later. To say Im frustrated is an under statement. They had someone form Sps call me yesterday without a clue. I just want my {$5100.00} Asking me to wait XXXX more days seems ridiculous {$3800.00} escrow refund {$1000.00} per diem refund {$280.00} escrow shortage collected in error {$5100.00} Thank you
Consumer complaint received 2024-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

This company is reporting this on my credit report and I have no knowledge of this and why they reporting this. 


Lvnv funding LLC Reported XXXX XXXX amount {$670.00} XXXX XXXX reported XXXX XXXX {$800.00}
Consumer complaint received 2024-10-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IN)

I bought a Vanilla Visa Gift Card on XX/XX/year> and it was with an initial load of {$500.00} and Activated the same day, trying to make use of the card was abortive and I tried to check my BALANCE via the website and I found out that my card was placed on HOLD and since then Ive been all up and down with vanilla customer service to remove the hold and so I can make use of my card but it was not all working, of which I was requested to upload my Valid ID and Prove of Address, which I did in times for several months but still my {$500.00} still placed on HOLD, no REFUND nor REPLACEMENT Card was sent to me & I cant just let go of my Hard Earned money to slide away like that cuz its a day light robbery for vanilla tryna get away with my money for over 6 months
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Management Partners, LLC (NY)

Hi, Im working for XXXX. Regards to my job, I had to go to the doctor to check up my health conditions. On the job, a XXXX did spit on me and its required by XXXX to do exposure test. I have provided everything to the doctors office, but they didnt work on that.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BCI FINANCIAL GROUP, INC. (CA)

On XX/XX/XXXX I realized I was unable to access my account via XXXX XXXX XXXX 

I sent an email per the instructions on XXXX XXXX  website to reinstate my account and requested the same via telephone call. 

" XXXX ; XXXX Hi team! 

I spoke to XXXX and I want to take out my Money Market account out of dormancy status. 
I tried opening the XXXX XXXX site but my money market account isn't listed and it is because my account is marked as dormant. 

Could I please access my account? I need to generate a statement from this bank for this account for mortgage application purposes. 

Thanks, XXXX Dear XXXX, We are in receipt of your instructions for your Money Market account. Please be advised that a Client Services representative will be reaching out to you on or before the maturity to assist with the final steps. 



In the meantime, if you require any additional information, please feel free to visit our website for additional information at XXXX XXXX XXXX  Call us at ( XXXX ) XXXX and our Client Services team is available to answer any questions. 



Thank you for choosing XXXX. We appreciate your business and are here to help with any of your future banking needs. 

" It's been over 5 days and I am still unable to access my account with no ETA provided on how I can withdraw my money, close my account, or access my account.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

I am writing to file a complaint regarding LVNV Funding LLC, specifically related to account number XXXX. I have serious concerns about their access to my personal information and their legitimacy as a debt collector. 

I did not consent to LVNV Funding LLC accessing my personal information when they purchased my debt. Furthermore, I have noticed that this account is not reported on other credit bureaus, raising questions about its validity. Additionally, I believe that LVNV Funding LLC does not hold a valid license to collect debt in Indiana. 

Given these circumstances, I am requesting the immediate deletion of this debt from my credit report. Please be advised that failure to comply with this request may lead me to take legal action, seeking {$1000.00} per violation, as well as recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation (FL)

Date Of Transaction : XX/XX/year> The Amount Of Money I Paid The Business : {$6500.00} Down Payment, {$24000.00} For The Car What The Business Committed To Provide You : The Sales Agent Told Me The Car Was {$13000.00} What The Nature Of The Dispute : He Lied And Forged Random Stuff On My Contract I told Him I Can Only Afford A XXXX and under car. That Is The ONLY Reason i bought the car. Because it was affordable. And I Just Turned 18. The Only Reason I'm mentioning something this late is because i just got To Look At The Falsified contract they sent me via email a couple months ago because i was wondering why am i still paying on this crap. It makes my blood boil because nobody is trying to believe me or hear me because its a big company. these XXXX real deal make you sign a paper version and forge your info into a virtual document so that way Lawyers cant do to much because they are a fraudulent company. Yall know what yall do to people, i wont stand for it. Just look at XXXX  XXXX XXXX. they did me wrong, signing me up as a minor without my parents present and manipulated me. I'm not trying to threaten no one, but the right amount of word of mouth and the amount of people I'm going to petition to come together and i pledge to continue until the business is gone just like XXXX XXXX XXXX, I'm done playing with people. IM TIRED OF NOT BEING HEARD OR COMPENSATED.

Whether Or Not The Business Has Tried To Resolve The Problem : No They Keep Brushing me off until i be the one to make them file bankruptcy. I'm trying to be nice, XXXX  XXXX XXXX didn't listen, now look at them. this the second time i made a complaint. if this one get bushed off, I'm going full throttle. 

If Issue Involves Advertising, When And Where The Ad Was Seen Or Heard : yes they state the price of the car but that isn't the actual price
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/year> I was scammed for {$2100.00} for someone offering housing. He then said I need to send a deposit of {$520.00}. I contacted cashapp to dispute but they rejected it and said they will not help me. I filed a dispute with my bank XXXX and after a few weeks they requested images and receipts. After a few weeks, on XX/XX/XXXX of this year I got a letter saying the dispute was rejected from XXXX XXXX. The merchant also blocked me and I can no longer contact them. They were scammers.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Regional Management Corporation (MO)

I was inquiring online for a {$5000.00} loan. XXXX XXXX from Regional Finance XXXX ( XXXX ) responded He said I was approved for a {$5000.00} loan with lenders out of XXXX. I inquired a few days later about when I was going to receive the funds. He said he would call the lenders and see what the hold up was. He came back with the lenders wanted three months payments upfront as a good faith gesture that Id pay back the loan. They instructed me XXXX XXXX the money to an individual. When inquiring about why it went to an individual and not a bank I was told they were the lenders. Still no money and I once again asked for another 3 months. I refused and XXXX said he would refund me. It was a little over {$700.00} with transfer fee. I have yet to receive the refund. I just went to their website and it has been taken down. I have emails but I dont know how to load them.
Consumer complaint received 2024-07-02
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. (FL)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX, # XXXX Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX marked my account as a late payment According to 15 U.S.C 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

please help correct this error which is a clear violation of my consumer rights XXXX XXXX XXXX XXXX payments {$48000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Open Status Open. {$230.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$48000.00} Balance updated XX/XX/XXXX Original balance {$48000.00} Paid off 1 % Monthly payment {$830.00} Last Payment Date XX/XX/XXXX Past due amount {$230.00} Terms 84 Months Responsibility Individual Your statement-
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

The following unauthorized inquiries are on my credit reports for all three major credit reporting bureaus. 

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 XXXXC - XX/XX/year> XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

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 2018-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MN)

The issue o have is not with the medical provider, XXXX XXXX, rather it is with the debt collector, Transworld Systems Inc ( TSI ).

I had a balance due for XXXX XXXX in the amount of {$20.00} for services in late-XX/XX/XXXX. That amount was paid to XXXX XXXX on XX/XX/XXXX.

On it around XX/XX/XXXX, I received a letter from TSI datesXX/XX/XXXX noting this bill had been sent to collections. Upon contacting XXXX XXXX, they showed no balance due and sent me a receipt of payment from the payment made XX/XX/XXXX.

I then tried contacting TSI numerous times between XX/XX/XXXX and XX/XX/XXXX originally at the number on the mailed letter ( XXXX  ) and then through a number on the TSI website when 5 calls to the printed number ended up in a disconnected call due to a mailbox being full. When I called the number on the TSI website, I was transferred to 2 different agents who both told me they couldnt access any XXXX XXXX   accounts and they tried to give me the number that Ive been trying to call for the last week. I asked to speak to a supervisor and The agent at TSI was unwilling to do anything other than give me the number I already had that wasnt able to connect to anyone.

This is highly frustrating likely fraudulent business practices that have now taken me over an hour of time to attempt to address. Please make sure TSI doesnt do this to others.