davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX, I reached out to request my phone number be updated. Not only was I denied assistance but my Apple Goldman Sachs account was locked and I was made to change my Apple ID password, answer identity questions. Goldman Sachs claimed I answered the questions wrong serveral times and disconnected me. I reached out to a supervisor by the name of XXXX who made these claims : It means your phone number does not tie back to your name and social security number. We are unable to remove the restriction due to this. Yes however lets we can just remove the restriction. Anyone else can just call in and update your personal information easily without the verification. This is why it is vile to have this information updated. The staff is Unprofessional and t needs to be trained on customer service and acceptable processes. Every time I reached out I was met with resistance affecting my mental health and told the same script that either that For security purposes, I will need to end this interaction and make an outbound call to the phone number on your account. or I apologize but I was not able to update the phone number. I have submitted a case to have it updated. We will contact you within 48 hours. or I need to disconnect but I will call you back at the phone number given in a couple of minutes. Each time, I explained my issue they kept insisting to call me at my old number or an irrelevant number that was never on my account. Hence why I will be pursing a lawsuit and Ia m formally requesting to escalate my request regarding the update of my cell phone number associated with my Apple ID and Apple Card account. Despite calling and sending multiple messages over the past three weeks, my number has not been updated and my account remains locked. 

I find it absurd that I can not validate my identity via my state ID, social or bank account. 

Given the urgency and the considerable time already spent daily on this issue, Your immediate attention to this matter is needed and would be greatly appreciated. I will be starting the process to sue Goldman Sachs for denying me access to my accounts on baseless claims. I have proven my identity countless times and I find it ridiculous that I can not be verified via any documentation I offered such as paystubs, copy of social, State ID or Bank account.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$14000.00}
Consumer complaint received 2024-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (ID)

I suspect Amex is selling my private information. They allow charges from an unknown merchant that pretends to be XXXX and although I dispute these charges, they post them back on the card and continue to allow the merchant charges go through although its not a merchant I do business with or have ever allowed these charges. Along with this, I get several texts and calls a day from scam merchants like the XXXX Amex is working with, Ive heard terrible things from this bank before but the fact that they wont let me dispute a charge thats clearly fraud leads me to believe they are working together. I literally just wanted to despite this charge Ive never had this merchant, they pretend to be XXXX but all my XXXX payments go through a different card and Ive not authorized this card to be used. They said theyd also waive the membership over the phone and when I tried communicating about it they said thats not true and that was one lie I was told but dont care about due to them not letting me dispute.
Consumer complaint received 2023-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX 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 personal information. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP (CA)

On XX/XX/XXXX i applied for a car finance to XXXX XXXX XXXX XXXXl ca and i was reassured i was approved i have the messages and emails that were sent to me i went in to sign the contract i asked for a copy i wasnt given a copy i gave them XXXX and i didnt even get that back, i was told i was approved and 12 days later im told to take the car back thats its getting repoed because i was denied after i was approved and XXXX contract my finance was honda they were just giving me diferent reasons which i find very unfair and unprofessional its not fair that they make me go through this i have XXXX XXXX kids who i had made XXXX for their XXXX XXXX XXXX and now i. Cant even take them its not fair that i was lied to i have proof i even have the temprorary licnese plate with my info and the emails for the payments and there telling me i was denied
Consumer complaint received 2023-04-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Looks like somebody got in my city bank app and they logged in with him on the mission yesterday doing things they shouldnt and they deposited this check which is XXXX without my consent under my name so when Im receiving calls and says Im like what is going on I called Citibank a couple times but they wasnt picking up because looks like my car was already blocked and I was receiving the day after so I called and they said we cant do nothing about it because your account is being processed to close so you cant file a investigation, so I went to the branch I told him whats going on and I was doing but they still didnt listen so when my car was being close, I got paid XXXX and something and youre still have my money even to this day, were still talking they said it was gon na take the money which is a XXXX and something because they thought that was part of the money but I contacted Customer Service because the manager when I went to the bank she said to contact Customer Service if the check hasnt arrived yet my check hasnt arrived yet, so I went to the Citibank today and I called police like no ones picking up because they cant find my account because my account its already close. I put my Social Security in nobodies doing nothing about it I just somebody things gon na give me my money back. So when I tried to do everything in my power to not to get blocked and you still blocked my account and delete him account so I want to file a complaint because theyre not giving her money back I have ever seen your messages saying were gon na send you the shack nothing
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Trans union received an in the mail dispute for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These account had already been removed from other reporting agencies and Im still waiting for Transunion to update the file to reflect accurate information. Dispute was sent certified main and signed XX/XX/year>. Attached is the certificate verification for the mail they received. Trans union failed to run investigation in the correct time frame, failed to dispute accounts as mail had stated needed to happen, failed to run any investigation on file and failed to tell me the status of investigations. I received no return mail form trans union and they have not updated my file with these field removed. All of the following are FCRA regulations broken and even while the company continues to say they are meeting FCRA standards then continue to violate my personal FCRA STANDARDS over and over and over again. Due to extreme negligence THESE FILES SHOULD BE REMOVED IMMEDIATELY. Both due to the multiple failures for the past 13 months and the fact that they never ran disputes after receiving information
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (OH)

I have a moving violation for misuse of equipment which was tinted window on vehicle on XX/XX/XXXX which is old ticket that shouldn't be on my background that checkr had check which is preventing me from working for XXXX as XXXX XXXX. Even though I was working for XXXX already and all I had to do was updated my new vehicle registration and documents. Now I'm unable to work for XXXX   cause of this background check from checkr. But everything was on my background before XXXX hire me as XXXX XXXX except for the accident on XX/XX/XXXX which was a bad winter storm and I slide on ice into a tree in XXXX, Ohio. I also have an accident on XX/XX/XXXX that wasn't my fault. I was sitting at a red light on XXXX and XXXX in XXXX, Ohio and the other party vehicle came up from behind me and ram right into me. I can get police report from both accident to show i wasn't at fault. I just don't understand how this report from checkr make it seem like you are a bad driver but u not. I was a very good driver for XXXX. My rating for driving for XXXX was 4.77 but i don't understand if they take that in consideration.
Consumer complaint received 2023-09-16
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I spoke with a USAA representative on XXXX the XXXX when I made a transfer from one financial institution into our USAA institution. When I noticed like I have in the past that USAA decided to hold XXXX of the XXXX I deposited. I deposited this amount specifically to pay bills I knew were coming out. I called to complain about this because I noticed that USAA picks and chooses which transaction they want to hold. When they do this they put our account into the negative causing NSFs. Now here is the kicker, we're I believe they are doing something illegal. When they put the money on hold and say they are releasing it within 10 days, which XXXX said it can be 7-10 days they will automically go back to the date and release the money on the original date and no one can see the hold. The hold is entirely gone. It's like it never happened but the fees are there. I asked that the fees be returned not based on a courteous but because it was USAA fault that the NSF happened in the first place. So although I accepted the courteous NSFs, I dint want to but was afraid our account will go back into tue negative because of the mishap in the first place. 

They also did something similar when we had a fraudulent charge on our account. The amount of the fraudulent charge was XXXX I believe. They told us the company reimbursed us the money. USAA decided to take our money the following month, saying the company reimbursed us so the money they gave us until the investigation was over had to come back to them. We were like we didn't get a reimbursement from no company. We had to go back 20-30 transactions and magically it appeared the same day we said the money was taken from us. So how did the company reimbursed us the same day we made the complaint. Give me a few days and I'll have all this information available to upload. So we don't know if the company gave it back to us or it's just some illegal tactics USAA are doing because when we contacted the company they said they didn't see anything about we got scammed from them and couldn't find our names or nothing which made us suspicious of what USAA did. They need to be investigated to the fullest because it's strange how they can go back weeks and even months to make it seem like a transaction never happened
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The Late Payment Status is incorrect. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

5. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The Late Payment Status is incorrect. 
XXXX Account Number : XXXXXXXX Please correct/update this inaccurate information on my credit report. 

7. The Late Payment Status is incorrect. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-06
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. (GA)

XXXX as well as XXXXXXXX XXXX  An formal request for validation of the following inaccurate items on my credit file was requested from XXXX, XXXX and TransUnion XXXX These company 's has violated my rights under FCRA 15 U.S.C 1681 Section 604 A. 15 U.S.C 1681s - 2 ( A ) ( 1 ) 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (VA)

I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Dear Sir/Madam, I was charged a late fee for {$41.00} on XX/XX/year>XXXX  and previously on XX/XX/year>. 

I have requested if the fees could be waived which was kindly denied. 

I have also requested if the fees could be reduced from {$41.00} to {$8.00} ( {$16.00} total ) and I was informed that this was not an option since XXXX " is still not in effect ''. 

I have informed and setting up auto payments so I do not incur such fees in the future.