davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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 (CO)

On XX/XX/year> I made a purchase online of the amount of {$400.00} with a merchant who had a restrictive return policy. I unfortunately did not know about this policy because it was not clearly listed on the merchant website. This purchase was for vehicle parts and the vehicle was unfortunately involved in an accident and declared a total loss, so these parts are of no use to me. 

I attempted to contact the merchant and cancel the order before it shipped, but it was too late. I even offered to cover a restock fee and whatnot. The merchant did not offer to help me in this situation. I had XXXX return the package to the sender without having opened it at all. 

Despite this, the merchant is still not willing to help me, and as of now, XX/XX/year>, I am still disputing this transaction with Goldman Sachs. This is despite their own literature stating evidence includes : " A letter explaining your dispute along with any documents that help confirm that the merchant improperly described their refund or return policy. Examples include a picture of check-out area without posted signs or a screenshot of the checkout page that does not display the refund or return policy '' The merchant does not have the return/refund policy for this product listed on either the product page, or the checkout page on their website, which clearly falls in line with this verbiage. 

I never opened the original item, it has been returned to the merchant by way of the return address in the original shipping container. The merchant has both the unopened product and {$400.00} of my hard earned dollars after 6 months which is beyond unfair.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY FINANCE CORP (TX)

This is my SECOND time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to XXXX, I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file. 

I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from XXXX OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY or provide me proof of permissible purpose. No idea who these companies even are : *SEE ATTACHED DOC* Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries. 

Please provide me with the outcome of your thorough investigation within 30 days of receipt of this letter. I am sending this letter certified mail, with return receipt requested so that I will have documented proof and confirmation of delivery of this letter.
Consumer complaint received 2024-10-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CO)

I am filing a complaint regarding a collection issue with national criticisms related to a debt I am disputing the debt was incurred while I was legally unable to access the property due to a protection order and my custody status during the time the alleged deck was incurred I was in custody and had a legal protection order in place which explicitly required me to stay away from the property as a result I was unable to fulfill any responsibilities or obligations related to the apartment I contacted national credit systems to dispute the debt providing evidence of my custody and the protection order however they refuse to consider this information stating that they only protect the property owner I'm requesting that the debt be removed from my credit report and that all collection efforts related to this matter cease I am providing you with copies of my legal documents custody records and protection order is proof that I was legally prohibited from addressing this issue at the time I appreciate your assistance and resolving this matter as I believe the collection agencies refusal to consider my situation violate my rights under the fair debt collection practice act fdcpa.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  XXXX  Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XX/XX/1974 XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from School first with a balance of {$1300.00}, XXXX XXXX with a balance of {$12000.00}, XXXX XXXX with a balance of {$25000.00}, XXXX XXXX with a balance of {$3500.00}, XXXX XXXX XXXX with a balance of {$180000.00}. 

These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being mentioned by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (FL)

I have filed multiple disputes with current since XXXX. Current is quick to close any dispute without providing true evidence in relation to their denial. Both of my last disputes were with the same merchant XXXX and when the disputes were filed I provided a direct email from the merchant stating that while they were unable to process refunds current should go ahead and initiate chargebacks for the amounts. While the merchant agreed I did not initiate the purchases current refuses to initiate chargebacks. They fail to respond to any email in relation to these disputes, and fail to provide DOCUMENTATION as to why they have denied the disputes. Rather currents one response which took 2 weeks to receive was a generic outline with no documentation attached. Current fails to adhere to basic banking guidelines, fails to use customers evidence when conducting disputes, and fails to respond to customers in their own time allowed. Their emails state a response within 24 hours and this never happens. Their support claims a response in 5-7 days which also never happens. Id like current to actually do as the merchant has stated and initiate chargebacks on all charges.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX Opened XX/XX/XXXX {$360.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$5200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$700.00} My information may have been impacted by the XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists My info was used fraudulently to get a apartment in XXXX after doing some digging I see someone fraudulently opened an apartment and didnt pay and broke lease causing that {$5200.00} which I guess was sent to third party creditors and the others are internet and utility bills
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon checking my credit reports I seen many inquiries that I did not authorize. 

Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

To Whom It May Concern : I, XXXX XXXX opened a new Checking and Savings account with Citi Bank on XX/XX/XXXX ( I already have the Citi credit card ) the offer on their website said open a new account and direct deposit get {$400.00} ( I still have the direct deposit in place to date I deposit {$150.00} weekly ) + deposit {$30000.00} or more and get an additional bonus for {$200.00}. Total promised. {$600.00} as of today I have not received anything. I have the account open just so they send me my bonus. But I was only supposed to leave the {$30000.00} 60 days which I did ( total days money kept in savings was 81 days ) Transactions Below ( opened account {$30000.00} deposit ) Cash Deposit to Citi : XX/XX/XXXXXXXX XXXX XXXX Initial Funding XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$30000.00} Withdrawal after XXXX days : ( total 81 days ) made XXXX transactions. 
XXXX. XX/XX/XXXX XXXX Electronic Debit XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX. XX/XX/XXXX XXXX Electronic Debit XXXX {$10000.00} I've called several times with no answer or no phone calls they keep on ignoring me and they apparently have no record of my code to get the bonuses. Unfortunately, I didn't print any information on the website. They currently have a new one on the website but it's for a lot less. I called before withdrawing my funds and was told that I was on track to get my bonus that I can take my money out, but don't close the account as they needed to send my " bonus '' there. as of today, I still keep it open but no deposit and I'm tired of calling them and wasting my time. I hope you can assist me. 

Thank you, XXXX XXXX ( XXXX ) XXXX E-mail : XXXX XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (MI)

On XX/XX/XXXX I noticed there were unauthorized transactions in my account made on XX/XX/XXXX. There were XXXX unauthorized transactions made for {$1200.00}, {$1400.00}, {$1300.00}, {$1200.00}, and {$1300.00} from an unknown source named XXXX XXXX. I contacted Discover immediately the same day when this happened and was told I did not need to file a police report and that it would be handled by Discover after I submitted a statement of unauthorized withdrawal which I stated all of the information I've stated here. On XX/XX/XXXX I contacted them again and was informed that they declared it was not an unauthorized withdrawal and that I would have to resubmit a request with more documents. I have never heard of XXXX and from the information I gathered online myself, it appeared to be a horse race betting site which would be impossible for me to use since I am under XXXX XXXX XXXX age regardless so I could not have made these transactions.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to formally dispute the ongoing inaccurate and misleading reporting of an XXXX account, as reported to the major credit reporting agencies ( including but not limited to : Experian, XXXX, XXXX, and XXXX ). 

The payment history provided by the credit reporting agencies shows XXXX repeatedly reporting " Charge Off '' ( CO ) every month in XXXX and XXXX, despite the account being charged off in XX/XX/XXXX. A charge-off is a one-time event, and continuous monthly reporting distorts the actual history of the account. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers have a legal obligation to report accurate information, and this repeated reporting is both misleading and damaging. 

In a previous attempt to resolve this matter, XXXX 's response states that the account was charged off, and the balance was written off, yet my report continues to show a past-due amount of {$1600.00}. If the debt has been written off as stated, there should not be an outstanding past-due amount. This contradictory information violates 15 U.S. Code 1681s-2 ( b ), as they are obligated to correct and update inaccurate information upon dispute. 

XXXX acknowledges the ongoing reporting of this disputed debt, yet refuses to remove the tradeline despite its inaccurate status. This constitutes defamation, as the continuous reporting of incorrect information tarnishes my financial standing, leading to denials of credit and financial harm. Under 15 U.S. Code 1681n, you are to be held liable for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), and Discovers negligent actions have defamed my credit reputation. 

While XXXX claims that the matter has been " thoroughly investigated, '' the continued reporting of false and conflicting information demonstrates otherwise. Under 15 U.S. Code 1681i, they are required to properly reinvestigate a dispute and correct any errors. 

Therefore, I am requesting the immediate deletion of this erroneous tradeline from my credit reports with all credit reporting agencies. In addition, given the unlawful, negligent, defamatory, and willful actions and practices of XXXX, Experian, XXXX, XXXX, XXXX, and all other persons/companies involved in the reporting of this account, I request a compensation check in the minimum amount of {$1000.00}, payable to XXXX XXXX XXXX for the damages caused to my credit and financial standing under the following laws including but not limited to : 15 U.S. Code 1681n for noncompliance with federal law, 15 U.S. Code 1681o for failing to ensure the accuracy of the information reported which has caused consecutive credit denials and ridiculously high interest rates, 15 U.S. Code 1681i for failure to conduct a reasonable investigation into my disputes, and defamation for willfully and negligently reporting false information that damaged my reputation as a financially responsible and creditworthy person.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (IN)

This company LVNV Funding LLC sent an email to my half sister that had my account information on it about a debt they were trying to collect. The email was address to me, by first name and said my account will be sent to an attorney for possible lawsuit in 4 months. The email said to review the account information that included the last 4 numbers of the account number, the original creditor 's name, the current owner of the account with a different ID and the total balance I owed. 

I assumed in their research, they thought I was using a different name, because me and my half sister have similar names, but we do not communication often, do not live in the same state, and do not share emails. She should not have all of my account information.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION (NY)

Sometime over a decade ago I co opened a bank account with my younger brother thru M & T Bank. He was the primary and he had the only debit card/checks, I never used this account. Apparently in 2017 the acct was closed sometime prior to that there was over draft charges of {$240.00} and change. My brother still has a separate active M & T account that he uses. Fast forward to XXXX weeks ago, I run a speech therapy clinic and needed to be added onto the business bank acct thru M & T, I was flagged that I could not be added due to this past due balance for a account I never used. I was never notified of the acct closure, of the past due balance, or any issue with the acct via mail, email, or phone. When I questioned the bank they could not provide me with any information reg the charges, the date of charges, and if they attempted to notify me or how. They also could not provide me information as to why my brother 's active acct was not charged for this outstanding balanced. Further more this is not on my credit report ANYWHERE so until I attempted to open a new bank acct for my business I would never have known this existed, which is infuriating. This could have affected me getting a mortage in a year or two or opening any additional savings or checking accts with my husband etc. I had to pay this balance WHICH WAS NOT MINE because No one would help me or even give me accurate detailed information. This is unacceptable. There should have been a direct commmunication attempt and if they are claiming I am responsible for this debt I should be able to have access to what this debt is actually for and the dates of origin etc.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

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.

Experian 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 2024-10-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (IN)

This company LVNV Funding LLC sent an email to my half sister that had my account information on it about a debt they were trying to collect. The email was address to me, by first name and said my account will be sent to an attorney for possible lawsuit in 4 months. The email said to review the account information that included the last 4 numbers of the account number, the original creditor 's name, the current owner of the account with a different ID and the total balance I owed.

I assumed in their research, they thought I was using a different name, because me and my half sister have similar names, but we do not communication often, do not live in the same state, and do not share emails. She should not have all of my account information.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX Card # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # No Account Number Provided, 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.