davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (CA)

I opened a CD account with Marcus at Goldman Sacs XX/XX/XXXX. I selected a 10 month CD. 

On XX/XX/XXXX I received an email letting me know that my CD will mature on XX/XX/XXXX and is set to auto renew at a term of 6 months, rate to be determined on XX/XX/XXXX. I was prompted to log into Marcus to make a change to the auto renewal if I wish to make changes.

I utilized the Marcus app to change my s
election from auto renew to " RENEW your CD with changes ''. this is defined in the app as 'change the balance and/or change the term listed in the maturity plan. 

On the maturity date : XX/XX/XXXX, I logged into the account online and noted it did in fact auto renew at a new maturity date was set. I called customer service on XX/XX/XXXX to indicate this was not what I wanted to happen and in fact I would like to close the account. I was told not to worry, there is a 10 day grace period to make changes and that it had just matured on that day of the call, XX/XX/XXXX and it shouldn't be a problem. I was also told by the agent that she in fact does 'see ' in the system that I had indicated a change in the renewal plan before the maturity date and after XX/XX/XXXX. 

After some considerable time on hold, the customer service agent informed me that I would be subject to an early withdrawal penalty because the system had already renewed and set a new maturity date of 6 more months from XX/XX/XXXX. 

I then requested to escalate my call for support given the fact that the information shows in 'their system ' that 1. Today is the maturity date and I should have a grace period to make changes and 2. History reflects my change from auto renew to renew with changes.

My assigned escalated 2nd level customer service representative indicated she doesn't see what the first customer service representative sees. She doesn't show any change in the auto renewal option at all and the time to make any changes ended XXXX on XX/XX/XXXX. She reinforced that if I were to close the account I would be subject to an early withdraw fee. 

When I requested what governing body I can reach out to for more support on this, as my confidence level is very low with one representative saying she 'sees ' something in the system that is different than the other representative 'sees '. I was told I have to do my own research and there is no 3rd level escalation. She did offer to put my information into a customer service support call requested and it will take 1-3 business days to receive a call back.

I feel less than confident in the information I am receiving. Marcus is simply refusing to close my account without charging me a fee to do so, and has now locked my savings into another 6 mo CD without my permission. I'm
feeling frustrated that Marcus is determining the end result of this dispute and it is in their favor of course!
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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
Consumer complaint received 2024-07-26
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. (TX)

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 Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-26
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. (NJ)

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Date of Last Activity : is XX/XX/year> but the Two-Year payment history reporting states status is missing to support. 
Account name : XXXX Account # XXXX
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I HAVE TO GET MY CREDIT REPORT UPDATED PROPERLY!! 
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX please delete any other addresses that appear on my report the are fraudulent. Delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX Please delete these numbers the are not mine not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-07-25
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. (GA)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-26
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (GA)

I received a deposit in 2021 for a XXXX XXXX. U.S Bank froze my account and as of recently asked me do I want to keep account activated while funds sit frozen! How backwards! After going back and forth unable to use my funds since they were deposited in 2021 they finally agreed to close account and send my funds via cashiers check. As of today I still have yet to receive my money and on top of that I sent over proof as to where the funds came etc. I sent proof how the loan I was approved for and deposited into their bank has even been forgiven by loan company. Ive basically been ROBBED. They lie daily saying they will send cashiers check. I look for it daily just to be lied to as they keep finding more and more things to request.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XX/XX/26 I received emails and calls from someone stating they were the fraud and security agent from my bank. They stated my bank and connected accounts had been compromised and I had until XXXXXXXX XXXX that evening to act before my other accounts were also compromised. 

They called from the same phone number as my bank. They also sent calls and texts to " verify '' their legitimate associations with my bank. They then sent text/links to both ask for access and coerce me to initiate transfers, so that a transaction ID could be generated. They stated that these transactions would be used by the bank to then reverse and cancel lost funds. They promoted me to move funds via XXXX XXXX, XXXX and XXXX. In total, these transactions were {$4800.00}. 

I called Wells Fargo and initiated a stop for these transactions and requested a claim be filed for these funds being lost to coercion. I opened a claim, at Wells Fargo direction, XXXX for XXXX and the other charges separately. I filed similar disputes with XXXX XXXX and XXXX. 

XXXX XXXX, only engaged with me with text on the app and refused to reconsider or receive my supporting documents or police reports filed. Stating only that they do not reimburse funds. They directed me to request a refund from the recipient as a way to correct. They didn't. 

I have persued taking to Wells Fargo, and they too stated reimbursement was not a possibility. They stated they requested the funds be returned from the receiving bank, but I have not heard neck about this. They sent me an email stating the claim was denied and closed. 

XXXX, did engage with me, received my supporting documents, and did reverse their decision, and will return the funds. 

Earlier last year, I had a XXXX breach and opened the claim process with Wells Fargo and they also denied and closed claim, taking no responsibility of my funds oversight as my banking institution.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. XXXX  Account # XXXX, has violated my rights. 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. 

XXXX - XXXX ( XXXX ) is showing inaccurate on my Transunion credit report.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My account with XXXX, 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 60 days 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, 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 XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc. (GA)

Negotiated debt settlement only on the terms the item would be removed from report with all CRA 's. The Third-Party despite the negotiation and agreement under contract in written form has failed to notify the XXXX to remove the item from credit report. Professional Debt Mediation , Inc. is in violation of the following : ( B ) furnishers of information to consumer reporting agencies maintain full and prompt compliance with the duties and responsibilities established under section 623 of the Fair Credit Reporting Act [ 15 U.S.C. 1681s2 ] The furnisher is not in compliance with the duties and responsibilities established under section 623 of the FCRA. It has failed to fulfill its obligation to report accurate information.

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

For purposes of subparagraph ( A ), the term " reasonable cause to believe that the information is inaccurate '' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

Professional Debt Meditation, Inc last updated the credit file with XXXX on XX/XX/2024. Fully knowing and having knowledge the item should be removed from the consumers credit report as shown in the Pay for Deletion attached. 

Professional Debt Meditation did act in Good Faith and reported the deletion of the item to XXXX and XXXX.
Consumer complaint received 2024-07-26
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. (TX)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-02-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (NJ)

I attempted to pay my rent with the newly purchased American Express Gift Card, which states that the card can be used wherever American Express Card. I verified my balance online of {$200.00} before I tried to pay the rent. 

But XXXX could not process the payment with this message below. I've also seen other people saying online that the American Express Gift Card often get declined for online purchase. 

DECLINED PAYMENT ( XXXX ) Balance as of XX/XX/year> {$200.00} REASON : Your Credit Card has been declined by your Card Issuer. ( Error code : XXXX ) SUGGESTION : Please call the the number printed on the back of your credit card. Please ask the representative why the transaction was declined and clear up any problems that are causing the card to be declined. Once the issuing bank confirms that they will approve future. If this problem remains, please contact XXXX XXXX and let us know that your Credit Card is being declined.
Consumer complaint received 2024-07-26
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. (TX)

I am writing to formally file my complaint regarding the incorrect reporting of a late open account on my credit report. Despite multiple attempts to resolve this issue through direct communication with the credit reporting agencies and the creditor, the error remains unresolved. Accurate credit reporting is critical, and the continued presence of this error is causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct this mistake, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on on you to intervene and ensure this inaccuracy is rectified promptly. Given the persistence of this error despite my efforts, I am seeking for your assistance to : XXXX. Conduct a thorough investigation into the reporting of this account. 
XXXX. Ensure that the credit bureaus and the creditor involved take the necessary corrective actions to accurately reflect the account status as closed with timely payments. XXXX. Provide a clear resolution and timeline for the correction of this error. 
Please help me correct the account right away : XXXX XXXX XXXX Balance Owed : {$2900.00}.