davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA (WA)

I have an Apple credit card. Apple uses Goldman sachs as a bank. I opened another credit card with XXXX  to do a 0 % interest balance transfer from my Apple card to XXXX. 

I submitted the balance transfer and in about 3 business days the {$3000.00} showed up on my account in XXXX  credit card, but my Apple card balance remained the same. I waited an additional 7 business days and the {$3000.00} that i transferred was still showing up on my Apple card and now on my XXXX card. Now it is showing that I am carrying an additional {$3000.00} + the {$150.00} fee i was charged by XXXX  to make the transfer. 

I called the apple credit card support line and talked to a goldman sachs representative and he told me that at this time Goldman sachs doesn't support balance transfers. But how was the balance transfer able to show up on my new credit card. Goldman sachs should have declined that Balance transfer in their system if they do not support balance transfers. It is criminal to put this burden onto the consumer where it now looks like i've taken an addition {$3000.00} in high interest credit card debt, which impacts my credit score and ability to make future financial decisions.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payfare International Inc. (OH)

I was using my paycard to get a XXXX subscription and it wouldn't process the payment and when they seen activity on the account with my XXXX XXXX  prepaid card they suspended my card for suspicious activity when it was me the entire time and now I can not use my card and now I been calling for the last two days stranded without access to my funds and every time they keep doing the same thing over and over telling me they have to submit another ticket to solve the problem and nothing happens and keeps saying and doing the same thing over and over with no way to contact the bank to even get the account unlocked they keep spinning me into the same unresolved issue and nothing is being done I'm tired of this back and fourth with nothing and no real customer support to resolve the matter
Consumer complaint received 2024-02-04
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)

XXXX XXXX is a wrong account that i do not recognize as mine ... ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2024-02-03
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. (TX)

I noticed on my credit report there are 7 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have held a Kohl 's charge card for years- I always pay my bill my in full so the interest rate ( currently around 24.99 % ) never mattered to me. I had no knowledge that they were eliminating their store charge card, and I never applied for another Kohl 's card. Regardless, I just received a letter from Kohl 's that they are " excited to let ( me ) know that ( I ) have been chosen for the new Kohl 's Rewards Visa. '' This new charge card comes with an APR of a ridiculous 31.24 %.

While their APR will not affect me, I find is DISGRACEFUL that they will be charging this usurious rate to many people who can not afford it. Many of their customers will never look at the paperwork notifying them of this charge, will unknowingly accept this " exciting '' change in terms, and will unwillingly slide further into debt. I think this action by Kohl 's is disgusting.
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a letter from an attorney stating that they found in public records that I am named as a defendant in a lawsuit by Portfolio recovery associate and they filed this on XX/XX/2024 for an unpaid debt. They went on to say that they can garnish my wages from my bank account, file a lien against my home or any other real estate I may own. I have not been supplied by Portfolio recovery who they have bought the debt from or an itemized account on what is owed, etc. I have looked on my credit report and even on my credit report it does not tell me about the original debt. I was contacting customer service from XXXX because of a bill I had to pay on XXXX and when I called the customer service number portfolio recovery answers the phone. When I asked them how I got transferred to them when I did not call them, the woman quickly put me on hold. I also would like to say, that I suspect portfolio recovery has hacked my phone or certain accounts on my phone. The XXXX step verification on my paypal has a XXXX number to send the code to and I have never had a XXXX number and my correct number is not on my account. Portfolio recovery also calls me at least XXXX times a day, if not more every single day every week. I am obtaining an attorney today to sue Portfolio recovery for their tactics and the fraud and harassment that they are commiting.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

This is about Huntington bank Only! 

I opened an account on XX/XX/year>, a checking account and also a savings account. That day I added {$120.00} into my checking account. I made one transaction online and put {$40.00} into my savings account. Since I moved to XXXX  from XXXX, I did XXXX bank to bank transfers from XXXX to my new bank Huntington Bank. The wire transfers went through. I did one for {$1000.00} and the second one was for {$1400.00}. After I saw that they went through on XX/XX/year>. They blocked my account for logging in to see my accounts. I went to Huntington bank to withdrawal {$500.00} and they took forever to come to the drive thru and when they did, they said I'm sorry, but your account is on hold, and you will have to call XXXX XXXX XXXX and talk to the main branch. I called them twice and they gave no information accept they are closing my account, and you will have to wait for a letter in the mail. So, no letter has come as of yet, so I called back a week later and they gave me the same runaround. I told them they have one week to have my check in the mail, or they will be hearing from my lawyer. They still did not care. This money is Federal funds that I need for my school. I have my classes starting next XXXX  and I need special software that cost money to be able to attend this class. I trusted in this bank to do my transactions with, and I am very disappointed and not to give me a reason to hold my cash funds. I think this bank should be held accountable for their actions, it's against the law to hold my money!
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONLINE Information Services, Inc. (NY)

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.

ONLINE INFORMATION SERVICE has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 usc 1681 S-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.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the followingitems of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please delete this account thank you.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (UT)

I paid my US Bank credit card balance in full on XX/XX/year>. They reported it and my score updated. Then on XX/XX/XXXX, they reported {$4100.00} due. I called them to have it reported back to how it was ( which was accurate ), but they said it isn't their fault, they only report once a month at the end of each month, it's XXXX fault. So I call XXXX, and they tell me that US Bank reported on XX/XX/XXXX the last payment date of XX/XX/year>, so that is why none of the XXXX information is showing now. So I call back US Bank and ask why they would go back in time and remove the most recent activity that was already showing accurately. They say they didn't do that. They refuse to take any accountability or responsibility for the reporting error which is holding me back from purchasing a home now. They say they have no process or system in place to fix any issues that they create for consumers and we have to fix it ourselves by calling the bureaus and doing their job for them. I spent 5 hours on the phone this morning between US Bank and XXXX trying to get something that was not my fault or my error fixed and no one would help me. The customer service representatives actually transferred me without telling me, directly to XXXX after I asked them not to becasue I needed to speak to the people in charge of credit reporting at US Bank, not at XXXX. They didnt care or listen to me. The manager gave me excuse after excuse, and said she could do nothing at all to help me and was rude and heinous and denied any wrongdoing or inaccurate reporting even though it was staring her in the face. No one should do business with this evil and unhelpful company.
Consumer complaint received 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (NC)

Systems & Services Technologies recently aquired the Loan from XXXX XXXX XXXX XXXX. During this process I had made payments totally of {$700.00} towards the month of XXXX After the transition I made the final payment of XXXX to satify the loans payment for the month of XXXX. 

Timeline : XX/XX/XXXX : Payment of XXXX processed. 
XX/XX/XXXX : Payment of XXXX processed. 
XX/XX/XXXX : Informed them about the payments not processed ; no response. 
XX/XX/XXXX : Payment of XXXX made. 
XX/XX/XXXX : Emailed again stating payments of XX/XX/XXXX and XXXX not reflecting. 

XXXX XXXX XXXX Complaint Filed : XX/XX/XXXX - No Response. No updates to account. Online Account claims to be delinquent.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (OH)

XXXX XX/XX/XXXX XXXX called Direct Express XXXX to check balance on card XXXX XXXX XXXX XXXX and it was invalid. I requested a new card on! XX/XX/XXXX and paid for expeditated delivery to get on XX/XX/XXXX I received on XX/XX/XXXX and called card XXXX XXXX XXXX XXXXDirect Express, calling from XXXX XXXX till XXXX XXXX on XXXXand was informed it also invalid that a card was sent to XXXX Texas and XXXX was activated about the time i got my card and they went to XXXX XXXX atm withdrew {$900.00} and the to XXXX atm withdrew {$85.00} and with 3 delivery at XXXX put me the negative of $ XXXX then requested a new card postal and got on XX/XX/XXXX XXXX XXXX XXXX XXXX knowing that I had {$3.00} I called Direct Express to activate card and AND THAT CARD IS HE SAME CARD SENT TO TEXAS . Direct Express was to send me papers to fill out for provisional payment i was to have them returned by XX/XX/XXXX or I get no payment They never mailed it out I called onXX/XX/XXXX about the, paperwork and was informed of that and told me to write out in my own words and to fax it .Today thinking I should have received the provisional payment found the card invalid { Same card to Texas XX/XX/XXXX } They wanted to verify me I answered the questions and was give n a code to e mail I gave the code and told me it was wrong never knew they sent a second code, I talked to supervisor and was then told I was refused provisional payment because I authorized the withdraws in Texas and authorized merchant purchases ' am in Ohio legally blind and never been to Texas never authorized the atm withdraws. I am now requestioning an escalation of disagreeing with dispute Help me out
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNCOAST CREDIT UNION (IA)

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 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possibleXXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible.XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (TX)

I had GMfinance on my credit for 7 years reporting negative remarks and after the 7 years they filed a 1099 to where it now shows I owe money to the IRS. This is past the 3 year time frame to report a 1099 to the IRS and the amount reported is incorrect. When it was on my credit it was reporting the incorrect amount as well because they sold the vehicle and never filed with GAP insurance due to the accident I had in the vehicle. Did not agree to a charge off. Comments of Charge off paid in full was placed on to account after 7 years.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$160.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$7100.00}
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I sent a certified letter requesting an investigation into some inaccurate account on my credit report. Experian has not responded to the request within the 30 days given. They have not done their duty mandated under the law. 

Also, they have violated my rights even more because in accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, which it is not. This is grounds for removal.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$160.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$7100.00}