davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (OR)

On XX/XX/XXXX, my Apple Credit Card issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, was charged {$1500.00} for services rendered by " XXXX XXXX XXXX '' on that date. I notified Apple and Goldman Sachs Bank by telephone call to their disputed transactions numbers that I did not make this charge, that I was not on a XXXX XXXX flight on or anytime close to XX/XX/XXXX, and that the transaction was either an erroneous billing or fraudulent. Goldman Sachs Bank issued a temporary credit to the account and undertook to investigate. Approximately 90 days later I received an email saying that the matter had been investigated and the merchant charge will remain on my account. No information was provided as to the basis for the charge, whether XXXX had provided billing details or whether or how my card number had been used. I protested this result by telephone call to an Apple Card Specialist, who referred me to Goldman Sachs Bank and Goldman Sachs Bank said they would reinvestigate the matter and let me know the outcome within 90 days. Approximately 90 days later ( XX/XX/XXXX ), I received an email from Goldman Sachs Bank saying the transaction dispute had been re-investigated and that " based on our review, the original decision will remain because there is no evidence to substantiate the claim. '' A Dispute Case Number was given as XXXX and the full disputed amount was charged back to my account. The email also stated that I have the right to see " the information we gathered to make this decision '' and " to request a copy, please contact an Apple Card Specialist. " On XX/XX/XXXX, I contacted by telephone an Apple Card Specialist at Goldman Sachs Bank ( XXXX ) and requested the information and she said she does not have it and transferred me to another person ( XXXX XXXX, who said she would mail the XXXX information to me. On XX/XX/XXXX, I spoke by telephone with another Goldman Sachs Bank representative about the status of the expected information, who said they have received no information from XXXX about the charge and she would file an internal complaint and the investigation team may contact me. In the meantime an interim credit to the account would again be issued and the matter would be resolved within 90 days. To date I have received no information from Goldman Sachs Bank supporting this charge by XXXX and no one from Goldman Sachs Bank has contacted me. In sum, this charge appears to be fraudulent and Goldman Sachs Bank does not appear to have any records that support a charge for " wifi services '' aboard a XXXX XXXX flight or any other charge. There is also no evidence that any investigation was in fact made, and I believe the bank simply issued a temporary credit and, at the end of 90 days, the bank reversed it and and reinstated the charge.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlantic Recovery Solutions LLC (MD)

On XX/XX/year> I received a voicemail at XXXX AM from XXXX at XXXX. He did not state his name but when I called back the same voice answered and stated his name as XXXX then. 

Voicemail states there was a XXXX XXXX XXXX for something being sent from the post office- it was not clear if it was something being sent to me or being sent on my behalf to another party. Voicemail then states it is my final settlement option on the " missing merchandise ''. I am unaware of any missing merchandise and was never aware of any kind of settlement options in the first place. 

I called back to ask what XXXX is and XXXX answered. He refused to answer my question unless I provided my personal information. I refused. I have been a victim of identity theft recently and did not want to give a random person any of my information. I was admittedly rude at that point and hung up. I searched XXXX and the phone number and discovered it's a debt collection agency. I called the number back and XXXX answered again. I asked directly if it was a debt collection agency and XXXX asked " is this tough guy XXXX? '' over and over again instead of answering my question, presumably because I was rude to him before. I hung up on him again after XXXX or 5 times of that and tried calling back, hoping there was anybody else who would answer the phone. He told me he gave me my " final chance '' to settle with them but I still do not know what the call was about in the first place. 

No resolution offered, no information regarding what the business is, no information about anything at all. Given my XXXX search told me that XXXX is a debt collection agency I'm assuming " merchandise '' means debt but I'm not even aware of any outstanding debts in the first place or why anything would be mailed to me or from me.
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: DISCOVER BANK (FL)

XXXX XXXX re : online retailer XXXX a manufacturer-to-customer model. 
XXXX delivered my product to a former address. The agents at the former address did not notify me. The three major credit reporters, XXXX, XXXX, and XXXX, reflect XXXX 's error and XXXX XXXX supporting the merchant. 

ORDER # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX {$170.00} x 1 Online Payment Shipping Method Standard {$170.00} Shipping address and billing same : XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX has received your request and re-opened a dispute on your behalf. We will complete our re-investigation no later than XX/XX/year>, and will contact you if additional information is needed. The XXXX XXXX allowed a second dispute, ultimately supporting the merchant XXXX 

XXXX XXXX My former husband used my private cell number to attach his girlfriend 's wifi product. XXXX XXXX refused to disallow these duplicitous charges. However, an investigation by XXXXXXXX XXXX ruled in my favor and returned that portion of my bill, the charges I did not incur. 
" Thank you for contacting us about the transaction ( XXXX ) on your account. We researched the transaction you reported and agree it was incorrect. 
The credit ( XXXX ) we provided for the transaction ( XXXX ) listed below is now finalized. 
Here 's what you should know. 
The temporary credit we provided is now permanent and includes any applicable fees and interest. '' The three major credit reporters, XXXX, XXXX, and XXXX, reflect XXXXXXXX XXXX  position, and disallow input from XXXXXXXX XXXX and monies owed to XXXX from my former husband. I consider this identity theft. 

XXXX XXXX. 
I placed an order from XXXX in XXXX XXXX the item did not arrive. XXXX 's dispute team and the Discover Card dispute team resolution ruled in their favor. Oddly, the product arrived in my neighbor 's mailbox on XX/XX/year>. Both XXXX and Discover Card refuse to allow me a return, stating the transaction is " too old. '' The three major credit reporters, XXXX, XXXX, and XXXX, reflect this error and disregard for the consumer.
Consumer complaint received 2023-09-04
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. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (PA)

I have made numerous attempts to get my updated credit report with a investigation of the information on my XXXX that reporting on my credit report. I have receipts of all my attempts to get this issue resolved. I have all my corresponds from the courts office on they verification tools they use
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

XX/XX/XXXX On XXXX my XXXX XXXX XXXX XXXX XXXX Specialist called Citibank XXXX the issue on my XXXX Credit Report dated XX/XX/XXXX which indicated the following erroneous information ; a ) New Address was listed on my credit report for Citibank ( I lived in XXXX and has been residing in my current address for XXXX years ). 
b ) My Citicard account on my credit report indicated that I have a balance of {$62.00} dollars. It must be noted that my Citicard account had been closed since XX/XX/XXXX with XXXX balance. I had recalcitrant issues with my Citicard credit card in the past due to unauthorized/ fraudulent transactions. On XX/XX/XXXX, XXXX Citibank Fraud Dept representative reported to me that all the fraudulent / unauthorized transactions in my card have been reversed and my account had been closed as per my request with XXXX balance. 

Moreover, my aforementioned call on XX/XX/XXXX to Citibank yielded no definitive answers for the above issues. I had been transferred to almost XXXX different personnel and different departments from Customer Service to the Fraud Departments. All of them were just passing the buck and primarily deflecting that their respective departments don't have the information for my inquiries. These calls ( with multiple call disconnections ) lasted for almost an hour and a half and yielded no results. My XXXX XXXX Specialist advised me then to report this to CFPB for resolution to this ongoing issues with Citibank. 
Thank you. 

XXXX XXXX
Consumer complaint received 2023-06-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I have both a Mortgage and HELOC with Truist Bank The Truist HELOC send notice that we need to send current proof of flood insurance, which we did online on their website and received confirmation. then received another letter that they did not have and if we did not respond by XX/XX/XXXX that they purchase insurance and charge us for it. We send copies before the deadline via website, via phone conversation /emails and via local branch of copies of the policy, but Truist is charging for insurance anyway due to the fact they are 5 days behind on processing. Not only have we complied ( with confirmations ) nowhere did they state that it needed to be send 5 days before deadline or we would be charged. We also can not make a payment without paying the insurance charge! I am sure if they are doing this to us they are doing this to thousands. Also where is the information going? If they can't keep up with a policy on their own website how can I trust they can properly account for money.
Consumer complaint received 2024-08-04
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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB, I am writing to formally lodge a complaint against Bank of America concerning their handling of an unauthorized transaction on my business checking account. My name is XXXX XXXX, and I have been a customer with Bank of America for 26 years on my personal account and for the past 4 years on my business account. 

Incident Details : Account Type : Business Checking Account Transaction Date : XX/XX/year> Transaction Amount : {$9000.00} Transaction Description : Invoice payment to an unrecognized and unauthorized individual On XX/XX/year>, I reported the unauthorized transaction to Bank of America. I was provided with a claim number and informed that an investigation would be initiated, with necessary paperwork to be mailed to me. However, as of today, XX/XX/year>, I have not received any correspondence regarding this claim. Additionally, there is no information related to this claim available on my Bank of America online banking account.

Despite my repeated follow-up calls to the bank, I have not received any updates or answers regarding the status of my claim. Each time I speak with an associate, they seem to have no knowledge of the situation. This lack of communication and progress is highly concerning and has caused significant distress. 

According to the Electronic Fund Transfer Act ( EFTA ) and Regulation E, the bank is required to investigate and provide provisional credit for unauthorized transactions within 10 business days of the initial report. It has now been over nine days since I reported the unauthorized transaction, and the bank has neither resolved the issue nor provided provisional credit. 

Requested Actions : Immediate investigation and resolution of my claim. 
Provision of {$9000.00} in provisional credit to my business account. 
Assurance of measures being taken by Bank of America to prevent such incidents in the future.

Improved communication and transparency from Bank of America regarding their claims process. 
Enclosed with this email are copies of all relevant documentation, including details of the unauthorized transaction, communications with Bank of America, and any reference numbers provided. 

As a long-standing customer, I am extremely disappointed with the handling of this situation by Bank of America XXXX I trust that the CFPB will take this matter seriously and assist in ensuring that Bank of America complies with federal regulations and resolves this issue promptly and fairly. 

Thank you for your time and assistance. I look forward to your prompt response and resolution of this complaint.
Consumer complaint received 2024-01-17
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. (NY)

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-06-22
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. (OR)

Account Name : DEPT OF JUSTICE Child Support Account : XXXX XXXX XXXX XXXX I am writing to dispute the accuracy of the information on my credit report. According to 15 USC 1681, I never gave written consent to [ Credit Bureau 's Name ] to furnish or obtain my personal information.

As per the Fair Credit Reporting Act, " No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. '' Since I did not provide written consent to [ Credit Bureau 's Name ], I have reasonable grounds to believe that the credit bureau has obtained and furnished my information inaccurately. 
I request that you investigate this matter and remove any inaccurate information from my credit report as soon as possible. Please provide me with written confirmation that the disputed items have been removed or corrected. 

Thank you for your prompt attention to this matter.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balanced : {$3300.00} XXXX XXXX Balanced : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (KY)

I have received multiple phone calls from Key2Recovery, a debt collection agency. I received the following calls to my personal cell phone number : 2 calls on XX/XX/19 from phone number XXXX ; 3 calls on XX/XX/19 from phone number XXXX ; 1 call on XX/XX/19 from XXXX ; 1 call on XX/XX/19 from XXXX ; 1 call on XX/XX/19 from XXXX, and one call today, XX/XX/19 from XXXX. 

I have also received multiple calls to my place of business on XX/XX/19, XX/XX/19, and XX/XX/19. 

I confirmed through my date of birth and last four digits of my social security number as well as that I had never been a student at XXXX University ( the origination of the debt ) to Key2Recovery that the debt they claim to be owed does not belong to me on XX/XX/19, XX/XX/19, and XX/XX/19 and to remove my phone number from their call list and yet I continue to receive harassing phone calls.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-05-30
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: PENTAGON FEDERAL CREDIT UNION (NY)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid 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: CITIBANK, N.A. (MN)

On XX/XX/2022 I made a Purchase using my Macys American Express card ... .which is doing business as Citibank N.A . I made a purchase in the amount of {$610.00} to XXXX XXXX XXXX which has no legal address ... .to do a website for me ... XXXX XXXX XXXX kept calling for more money to maintain the web page upward to {$1600.00}. the party calling all the time was XXXX XXXX employee for the XXXX company. 

Because he call so much ... ... I didn't wont the website even built ... .I Made disputes with Citibank N A Credit card company they refuse to credit my account. 

by the way... .no website was ever developed.
Consumer complaint received 2024-07-31
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. (MI)

Equifax INC. is trading my personal and private information on the shock exchange. This is Equifax INC. XXXX XXXX number XXXX. This is Equifax INC. XXXX XXXX  number XXXX. Equifax INC. is in violation with their contract with the XXXX XXXX XXXX and Equifax INC. is committing tax fraud with the IRS.