davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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: DISCOVER BANK (FL)

On XXXX XXXX I clicked on an ad for XXXX, advertising XXXX and XXXX handbags @ {$46.00} each. I ordered XXXX for a total of {$92.00}. I used my Discover card. Several weeks later when the package came, I was disappointed to see that I didnt receive XXXX and XXXX XXXX at all. I received cheap knockoffs. I have been unable to reach the company that mailed them. XXXX ( not XXXX ). I filed a dispute with Discover. Discover decided to side with XXXX, stating that XXXX provided a tracking number proving I received a package. I did receive a package, that was never the dispute. But the contents is not what I ordered. There are numerous complaints on XXXX about this company mailing fraudulent merchandise. Of course I have proof of everything. I hope you can help. Thank you so much.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

XX/XX/year>, I received a notification that my credit score had decreased by more than XXXX points. When I looked into it, the only possible explanation was that XXXX had reported several Department of Education XXXX loan accounts closed, and that I had missed XXXX payments on those loans. 

Under Department of Education rules, loan servicers are not supposed to report missing payments or other information that could negatively affect a borrower 's credit during the special " on-ramp '' period that lasts until XX/XX/year>. More info here : XXXX XXXX XXXX Additionally, the communications I received from XXXX were inaccurate, and emotionally distressing. Around the same time I received alerts to my credit report, I saw that I had messages in my inbox on the XXXX site. I had more than XXXX messages with the subject line " Congratulations! Your loans are paid in full. '' In the message was a congratulatory letter that said my balance was now {$0.00}, and my loans were paid off. 

For a moment, I thought my loans were paid. I had begun my application for public service loan forgiveness, and it's hard to keep up with all the changes to the loan program. It was only when I logged into the XXXX website that I learned I had a new loan servicer, XXXX. I never received any email or message from XXXX, the Department of Ed, or my new servicer, that my loans had been transferred. If I hadn't investigated further, I could have easily taken XXXX at their word and defaulted on my loans. Not to mention, sending people a letter that their loans are paid off, when they're just being transferred is incredibly cruel, especially when there is so much confusion right now around loan forgiveness.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am writing to dispute the information on my credit report regarding account number XXXX with XXXX XXXX. Upon reviewing my credit report, I noticed that this account reflects a repossession, which occurred but each month the balance on the loan is falsely being reported as " late '' and the balance goes up. It is impossible for me to be late on payments on a vehicle I no longer have a monthly car payment for I would like to inform you that the repossession of the vehicle associated with this account was a result of being homeless and unemployed at the time. Unfortunately, due to my circumstances, I faced challenges in maintaining the payments on the loan, ultimately resulting in the repossession of the vehicle. Since the repossession, I have managed to stabilize my situation and have taken steps to address my financial difficulties. However, the repossession has left a significant impact on my credit report, hindering my ability to secure housing and employment. I kindly request that you provide me with a letter confirming the repossession and subsequent sale of the vehicle. This letter is crucial for my records and may be needed for future reference. Furthermore, I request that XXXX XXXX remove this account from my credit report immediately. The repossession has already had a detrimental effect on my credit score, and removing this negative account would greatly assist in my efforts to rebuild my financial standing. Please provide written confirmation once the account has been removed from my credit report. Additionally, I request that all correspondence regarding this matter be conducted in writing. 

I have reached out to XXXX XXXX many times requesting the the repossession and sale of my XXXX XXXX of which they refuse to give me and continue to falsely report late payments on my account when the car was repossessed in XXXX of 2021 Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

The following accounts I did not authorize them to be opened, and would like them removed from my Early Warning consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

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 2019-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PR)

On XX/XX/XXXX, XXXX I request a credit promotion on XXXX XXXX XXXX for the purchase of two bedrooms furniture for the total of {$2400.00} to be payed in 33 months that ends on XX/XX/2021. The first problem was that they don't sent me the first statement and I call them to know what happened, they have the wrong address, because of that I had to pay {$170.00}, {$150.00} for the past due and current monthly payment, also that I have to pay a late charge of {$27.00}. The store never told me that the monthly payment are {$76.00} and that payment aren't fixed. Because I understand that the payment are fixed and as the balance go down the minimum payment go less each month, I pay {$170.00} instead the {$76.00} appear on the first statements. After few months and paying {$100.00} I notice that the minimum payment continue the same, {$76.00}, I contact the Synchrony Bank, the financial institution that support the promotional credit of XXXX XXXX XXXX and they told me that my contract are a promotional credit offer not a revolving credit card, so that I have to pay the {$76.00} minimum payment no matter what if I pay more than the {$76.00} on each one of the past payments I made. I call them and made a claim about that and they told me, that I can't pay in the 33 months now, told me that I can continue with the minimum payment of {$76.00} even if I pay in full in less the 33 months. 
I want to know what's are my rights to pay in the 33 months as told me the XXXX XXXX XXXX store where I make the purchase.
Consumer complaint received 2024-07-22
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: U.S. BANCORP (NC)

I am writing to formally dispute a charge on my credit card for services that were not fulfilled as promised by the merchant. Below are the details of the transaction and the issue : Transaction Date : XX/XX/year> did not start until XX/XX/year> and started complaining on XX/XX/year> Transaction Amount : {$480.00} Merchant Name : XXXX XXXX XXXX XXXX Transaction Reference Number : XXXX XXXX The merchant promised to produce and send real estate seller leads. They stated that it would take about four weeks after payment to start receiving these leads. However, I have waited far beyond this timeframe and have yet to receive any leads as promised. 

After 60 days, I contacted the merchant to inquire about the delay and was met with generic, copied, and pasted responses that did not address my concerns or provide a solution. To date, I have not received a single seller lead as promised, and the merchant has not taken any accountability or made any efforts to rectify the situation. 

I feel misled by the merchants promises and am now out {$480.00} with no quality leads or any seller leads as initially agreed upon. Given these circumstances, I request that this charge be reversed, and my account credited for the full amount of {$480.00}. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NJ)

I am writing to file a formal complaint against Jefferson Capital System for violating the Fair Debt Collection Practices Act ( FDCPA ). Specifically, Jefferson Capital System failed to inform me of my right to dispute the debt and did not provide notice at least five days before furnishing information to my credit report. 

Today I checked my credit report and I discovered that Jefferson Capital System had furnished information regarding an alleged debt to my credit report. However, I was never notified of my right to dispute this debt, nor was I provided with any notice at least five days prior to the reporting, as required under the FDCPA. 

Under the FDCPA, debt collectors are required to provide written notice of the debt and inform consumers of their right to dispute the validity of the debt within 30 days. Additionally, they must send this notice within five days of their initial communication. Jefferson Capital System has clearly failed to meet these requirements, which constitutes a violation of my rights under the FDCPA. 

I am requesting that the CFPB take immediate action to investigate this matter and enforce compliance with the FDCPA. Specifically, I demand that the erroneous information furnished by Jefferson Capital System be deleted from my credit report promptly.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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. 

DEPT EDXXXX : # XXXX {$75000.00}, XXXX : # XXXX {$28000.00}, 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.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CO)

I opened a Citibank Accelerated Savings account in XXXX and in doing so agreed to the terms specified in the XX/XX/XXXX XXXX XXXX XXXX document I received in my Citibank new account package. I have been trying to close my account unsuccessfully ( see other complaints filed ) On XX/XX/XXXX I received my statement. Without my permission and without notifying me Citi bank has change my account from a Accelerated Savings Account to a CD w/the following message contained in my recent statement : " Effective XXXX, XXXX the Certificate of Deposit ( CD ) terms within your corresponding agreement are updated to reiterate that you agree to leave your funds in the CD account for the first six days after account opening or renewal. Please refer to your corresponding agreement for more information. '' 1 ) I never requested or authorized this change from a Accelerated Savings Account to CD 2 ) I never received in any format or medium prior notification of the change 3 ) I received notification of the change after the fact on XX/XX/XXXX XXXX ) I did not and have not received my " corresponding agreement '' nor any instructions of where to find that agreement. 
5 ) I do not want to change from an Accelerated Savings Account to a CD 6 ) I want to close my account and get my money back from Citibank 7 ) Citibank is effectively blocking, encumbering, obfuscating the process of closing my Accelerated Savings Account and returning my savings to me This is patently illegal and borders on fraud. This is an arbitrary, after-the-fact, undisclosed and consequently illegal action and requirement imposed by Citibank and is in direct violation of the Truth in Lending Act and the Securities Exchange Commission 's disclosure rules .
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have tried to get a check reissued for rewards on XXXX different occasions. With Citibank promising to mail check. They issued it in my Dads name and promised to reissue in my name XXXX XXXX. His account ending in XXXX. The check is for {$340.00}. I would appreciate your assistance in this matter. My address is XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX dad was a XXXX  veteran and a great customer.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (WI)

I am writing I was charged with an interest charge of XXXX for a late charge. The payment did miss on the day then was put in the same day. Per chat they would only credit me XXXX XXXX, there was an incident with goldman a year ago that they wouldnt let me pull money from my savings account and I think it was tied to this. I am asking that I be credited the XXXX on my account. 

Case number with Apple / Goldman Sachs is XXXX
Consumer complaint received 2024-06-23
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 demand an immediate reinvestigation on this account : I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX  XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP (FL)

On XX/XX/2023 I submitted a complaint for Mandarich Law Group LLP regarding misrepresentation and a alleged debt. On XX/XX/2023 responded to the complaint with false and misleading information. Mandarich Law Group LLP, has yet to resolve my issue or comply with my request. In page1 of MLG response paragraph 3. Findings and results thats i have attached. MLG states that I misinterpreted title 15 U.S.C 1692e ( 3 ) that MLG never claimed to be a debt collector. If you take a look at exhibit A submitted by MLG of MLG response it clearly states on the first line under my personal information that " Mandarich Law Group LLP is a debt collector, trying to collect a debt ''. There is no misinterpretation. I received a debt collection notice from Mandarich Law Group LLP stating that they were attempting to collect an alleged debt. Pursuant to Title 15 U.S.C 1692e ( 3 ) no debt collector shall give the false representation or implication that any individual is an attorney or that any communication is from an attorney in regard to the collection of a debt. Furthermore, if so, it is illegal for an attorney or official of the court to act as a debt collector. As a consumer this is very misleading to me.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Dear Sir or Lady : I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number have been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached. Send me an updated copy of my credit report and please block and remove all information from it. The following products were obtained through fraud that I did not authorize and are not mine : In accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates that these accounts be deleted within 4 Business Days of receipt, block and destroy all information arising from identity theft.

Thank you Block and delete accounts.