davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
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 (TX)

Dear cfpb, I am writing to file a complaint regarding the fraudulent dispute of funds by Apple Credit Card, charging both the merchant and the customer. 

After receiving XXXX products that I found to be not worth the price paid, I attempted to return it to the merchant. However, the merchant refused to provide a return address and label, insisting on unreasonable grounds. Consequently, I had no choice but to file a dispute with Apple Credit Card regarding this transaction. 


Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$130.00} Amount to be rebilled : {$130.00} Despite clear evidence, Apple Card Goldman Sachs confirmed the dispute as successful and sent me an email confirming the Dispute Status : Completed ( Disputed charges will be removed ). The temporary credit received, including any interest charges, was supposed to be permanent. However, if seller also issued a credit for this disputed transaction, the permanent credit might be reversed. 

As I never received the credited amount, I already filed a complaint with cfpb against Apple Card Goldman Sachs for failing to transfer the disputed amount to me. 

Shockingly, after my complaint, Apple Card Goldman Sachs maliciously deemed the dispute unsuccessful, thereby fraudulently retaining the funds. Today, I received an email stating Dispute Status : Completed ( Disputed charge ( s ) will remain ). The temporary credit of {$130.00} This corrupt and dictatorial behavior by the bank is unacceptable. 

I urge the authorities to oversee this matter promptly.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

I should have no collections or closed account or late payments. Any of the above mentioned are false ill attach and show all three reporting agencies are not matching info. Any collection charge off account was unverified. I also never consented to contract. I also opted out. This has been going on for over 6 months I dispute they refuse to accept. There are multiple of the same accounts listed which also unverified and not mine. Please refer to the privacy act of 1974, public law XXXX XXXX XXXX,15usc6802,15usc1681 permissible purposes, nonmailable address being shown on report please refer to privacy act1984,15usc1666 treatment of credit ,18usc1028 fraud and related activity ( i didn't consent to contract or give authority ) XXXX15usc1681c-2 ( a ) ,12usc1431,42usc408, ucc3-104, public law 73-10,31usc5118 HJR192, THE FAIR CREDIT REPORTING ACT 15usc1681sec ( b ) written consent ,6801,6802 ( c ) ,16cfr313 privacy of financial consumer info,16cfr313.2 purpose and scope ,15usc6802 opting out ,15 usc6508 inaccuracies reporting ( make my utilization 0 ) ,20usc1232g & 34cfr99 student loans, privacy act 1974 right to privacy. Its also not my duty to verify personal info on myself. My credit report should have ONE NAME, NO COLLECTIONS, NO CHARGE OFF ACCOUNTS, NO LATE PAYMENT. ALL HAVE BEEN PROCEN TO BE UNVERIFIED! Negatively effecting my credit score. Please fix immediately. Your acting in dishonor.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (DC)

XX/XX/year>, approximately XXXX eastern time. I looked up online the chase branch and atm that was closest to me and open. It said that branch number XXXX, The XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX DC XXXX was open. Its vestibule would require debit card for entry, which I had. 

I was on a tight time frame : the restaurant that I had ordered food from was a cash only establishment, and it closes at XXXX daily. Therefore, when choosing the branch to go to, I was reliant on Chases stated time frames for open atm vestibule. I would have chose a different location otherwise. 

When I arrived, a paper sign had been posted stating that the vestibule was temporarily closed indefinitely. It seemed to have been so for a while. There was a XXXX atm close by that I had to resort to going to in order to both get cash as well as do so in a short time frame to retrieve my food. 

I went to a chase branch and requested the fee be reversed. I was told that this was not permitted as using a non chase atm was part of the listed terms and conditions of the account. I countered that chase publicly advertised on its app and on XXXX that the atm vestibule was open and available, that I was under a tight time frame, and that I was reliant on their publicly listed information. I would have made a different choice if I had known the branch vestibule was closed but had no way of knowing because they had failed to update their information that it was closed indefinitely, which is not a short time frame. 

They stated nothing could be done. I requested the {$6.00} I was charged by chase and XXXX combined be returned to me, as the only reason I used a non-Chase atm was their own fault. They refused. 

This doesnt seem fair, appropriate, or legal, and seems to run afoul of both truth in advertising as well as appropriate behavior by an extremely large bank.
Consumer complaint received 2024-08-02
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. (MI)

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit : XXXX XXXX remove inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove inquiry
Consumer complaint received 2023-11-02
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (WI)

Something is not right about XXXX XXXX XXXX filing a C-1099. In XX/XX/XXXX I learned by viewing a XXXX XXXX court filing that I was being sued by XXXX XXXX XXXX to pay an alleged debt. I responded to the small claims court filing with a defense document submitted after spending hours of my time learning how to do this. I was never served anything, one of my defenses. The alleged debt was a Citibank debt with known interest charge issues so I questioned the balance owed. However, the only option available to me after my response to the lawsuit filling was that I had to attend a mandatory mediation with a legal representative of XXXX XXXX XXXX. I was not prepared to defend myself. I agreed to a {$25.00} per month payment plan. Eventually the loan was paid off and satisfied. ( Payments stopped at some point with no further communication from XXXX. ) It was when I received a C-1099 form submitted by XXXX XXXX XXXX I learned that the company discharged the alleged debt in XX/XX/XXXX. How can they discharge a debt that was paid off? How can they have this as my " Best Buy Credit Card '' debt on their books in XXXX? I also have a Federal Tax Lien filed XX/XX/XXXX. It is essential that my tax filing is as accurate as possible. In the XXXX federal tax filing I am able to use the form to essentially discount the alleged debt amount and I should not be liable for a settled debt income because I paid it off. ( Plus both owed state and federal taxes from XXXX to present period makes me " insolvent ''. ) It looks to me that XXXX had me on its books as a debtor. Did the company represent to the IRS that I was in debt or had a discharged debt? I am working with a tax attorney to resolve my federal tax lien and my state tax debt. Please help me identify what may be wrong. Did XXXX submit a false claim to the IRS?
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (NC)

On XX/XX/2018 I received an email notification that my credit score had dropped. Upon checking, I saw that a collections account had been added from Online Information Services on behalf of XXXX XXXX. I immediately disputed the debt, and received the first letter in the mail notifying me of this debt, which is dated XX/XX/2018. I was never notified of this debt by this company, or XXXX XXXX.
Consumer complaint received 2024-08-02
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-14
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)

The failure of the XXXXXXXX XXXXXXXX XXXX comany as a credit furnisher has violated my consumer rights by reporting inaccurate an fradulent account information to the credit bureaus and despite my numerous attempts to resolve this error. 

The collection company refuses to conduct a thorough and complete investigation, to respond to my disputes. This is not only frustrating but also a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 
XXXX XXXXXXXX XXXX agency continues to inaccuratly report an account by their client XXXX XXXX located in XXXX Michigan. 
These erroneous and fraudelent entries have had a severe and detrimental impact on my ability to secure housing, as they negatively affect my credit score and are visible to prospective landlords. 
I urge you to conduct a thorough investigation into this matter as required by law. The FCRA mandates that all disputed information that may be inaccurate, incomplete, or unverifiable must be corrected or removed typically within 30 days. It is your responsibility to verify the accuracy of the information you furnish and ensure that my credit report reflects only accurate and verified information.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX Subject : Request for Removal of Collection Account due to not being licensed to collect in the state of Georgia Dear Sir/Madam , NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ CREDIT COLLECTION SERVICES ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ CREDIT COLLECTION SERVICES ] for violating my rights as a consumer. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. Thank you for your anticipated cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-04
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. (IN)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-02-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NC)

XXXX XXXX received notice that XXXX  property taxes had not been paid. And taxes +interest ( {$1600.00} ) was due by XX/XX/XXXX. 

XXXX XXXX called Mr Cooper and was told I had to email, fax or mailthe notice to the tax division which doesnt have a phone number to talk to someone. 

XXXX XXXX email sent. 

XXXX XXXX received email from Mr. Cooper saying the tax was paid and no further action was needed on my end. 

XXXX XXXX received final notice of delinquent taxes in the mail. ( {$1600.00} ) XXXX XXXX called Mr. Cooper to verify the taxes had been paid. They said yes. 

XXXX XXXX XXXX visited XXXX XXXX, XXXX XXXXax office and was told they didnt receive anything but if I could get the check number they could try to track it down. 

XXXX XXXX XXXXXXXX XXXX  spent XXXX minutes on the phone trying to get a check number and was told it was sent via wire transfer and that if they didnt get it, it was on the countys end. 

XXXX XXXX went back into office and was told they dont receive wire transfers for late payments. Only through one big batch in XXXX and the payment should have been denied. Was also told if it is not paid by XX/XX/XXXX our names will go in the newspaper as delinquent tax payers. 

XXXX XXXX XXXX called Mr. Cooper again and was told it would be looked into. 

XXXX XXXX XXXX sent another email to the tax division at Mr. Cooper with the new tax notice attached and asking for a phone call. 

XXXX XXXX XXXXXXXX XXXX making a complaint with CFPB hoping to get it resolved faster.
Consumer complaint received 2024-04-14
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)

The failure of the XXXXXXXX XXXX collection comany  as a credit furnisher has violated my consumer rights by reporting inaccurate an fradulent account information to the credit bureaus and despite my numerous attempts to resolve this error. 

The collection company refuses to conduct a thorough and complete investigation, to respond to my disputes. This is not only frustrating but also a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 
XXXX  XXXX Collection agency continues to inaccuratly report an account by their client XXXX XXXX located in XXXX Michigan. 
These erroneous and fraudelent entries have had a severe and detrimental impact on my ability to secure housing, as they negatively affect my credit score and are visible to prospective landlords.

I urge you to conduct a thorough investigation into this matter as required by law. The FCRA mandates that all disputed information that may be inaccurate, incomplete, or unverifiable must be corrected or removed typically within 30 days. It is your responsibility to verify the accuracy of the information you furnish and ensure that my credit report reflects only accurate and verified information.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I have disputed this account with American Express for the past several months about inaccurate information they are reporting on my credit report. I have been ignored and never receive a response per FCRA. This damaging inaccurate account is hurting my score.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I received a phone call on XX/XX/2024 from Columbua Debt Recovery LLC DBA Genesis. I told the representative on the phone that I would deal with this matter only by mail. I still have yet to receive anything by mail from them. I have nothing in formal writing claiming it's my debt and they just called again on XX/XX/2024. I sent them to voice mail and they left a message.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Was in the process of applying for an house and notice there are damages on my credit report that's affecting me. According to 15 U.S.C 1681 there should not be any damages on my credit report. This is defamation to my character.
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OH)

The XXXX at XXXX is attempting to collect a fee from me as a co-signer on a XXXX apartment rented by my daughter from XX/XX/XXXX- XX/XX/XXXX. The company is claiming {$34.00} in service fees for trash not removed from an exterior apartment trash can at the time of move out, as well as a scratched leather surface on a couch. The exterior trash in question was located in a common area, and was not from myself or my daughter ( co-signee ). Additionally, the scratch on the leather couch was already on the furniture prior to move in, and was annotated on the move in checklist at that time. Additionally, the XXXX at XXXX had the option to deduct this {$34.00} fee from the security deposit provided, but failed to do so. I have communicated this to both the XXXX a XXXX, as well as their subsequent debt collection agency ( Columbia Debt Recovery ). This collection effort appears to be an attempt to collect small amounts of payment from otherwise unknowing college students, in an effort to maximize profits.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

DISCOVER BANK HAS NOT PROVIDED PROOF OF ME CONSENTING TO BE AN AUTHORIZED USER ON ACCOUNT XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/year> Dear DISCOVER BANK, I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card account [ XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on this account. Until such proof is provided, I insist that you immediately remove me as an authorized user from the account and cease any further reporting of this information to the credit bureaus. Failure to comply with this request may result in legal action being taken against your company. I trust that you will take this matter seriously and act promptly to rectify this situation. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed 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