davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (GA)

On Wednesday XX/XX/year>, I received a Yard Card in the mail. I NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED. I noticed that the yard card had written on it my name and " XXXX XXXX '', in which I have had nor do I have business with. Furthermore, there were already XXXX charges to the account. I did not authorize this account to be opened, nor any transactions that have occurred or may occur in the future. I want this rectified, and the account closed.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Report was sent after previous complaint was filed, because of drop of XXXX in credit for XXXX. XXXX score had been increasing slightly after XXXX 

Experian finally sent the report, with email I had requested be change in XX/XX/year> No public record on report even though XXXX XXXX XXXX  filed and discharged XXXX. 

Tried to dispute on grounds of XXXX  and was met with system error, repeatedly. 

Disputed as balance history inaccurate and filed complaint with CFPB
Consumer complaint received 2024-04-13
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 (CA)

Apple card and Goldman Sachs system failed to match the information. Staffs are lacking of skills. Multiple staffs dont know how to correct the phone numbers, then locked my account TIME LINE AND THE ISSUES : - New phone number was updated on Wallet 2 years ago. 
- XX/XX/2024, XXXX : I phoned Apple Card to dispute a transaction. I found out that I must input the old phone number in order to be verified and connect to an agent. 
XXXX, XXXX XXXX, Agent name : XXXX. I messaged to correct the phone number. Hesaid I can do on my setting. I said I did. He asked for information of my ID. After I provided, he said he couldn't verify. Suggest me to call. 
- XX/XX/2024, XXXX. I phoned Apple Card again, the other agent said she could not help and said another agent would call next day. 
- 2 days later, Noone called - XX/XX/2024, I still used Apple Card for groceries at XXXX XXXX market in the morning. Then return items at XXXX at XXXX XXXX  - XX/XX/2024, XXXX XXXX. I received a phone call from Apple Card Support, XXXX is a part of the agents name. He asked for multiple clarified questions, then he said there will be someone else called later. 
- After that phone call, my apple card transaction was continuously rejected at XXXX and a restaurant. That when Im notice my Apple Card and Apple Saving is locked when I opened Apple Wallet. Zero notice in email or message. 
- XX/XX/2024, XXXX XXXX. Agent name : XXXX. I phoned Apple Card Support to ask what happens to my account. He couldnt find any reason noted on the system. He said he cant help but wait for 10 days. I asked to talk to his supervisor. 
- continue the phone call I talk to XXXX, supervisor. He said he can not lift the restriction and will try to solve as soon as possible and there will be someone to call later. He confirms the system get my latest phone number and address. 
- XX/XX/2024, XXXX XXXX. Agent name : XXXX. I message to file a complaint. He asked me to change my Apple ID password before contact again. Then left the chat MY QUESTIONS : 1. what is their security purpose when they cant verify my ID and social security number information. But they accept to verify the phone number that I stopped using 2 years ago? 

2. why the information updated on Wallet doesnt match the Goldman Sachs system ? 

3. Why locks my account when its the Goldman Sachs failure?
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: United Shore Financial Services, LLC (WA)

United Wholesale Mortgage sent out an email to all appraisers on their panel through the XXXX platform stating that they will now charge, in addition to their {$40.00} " upload fee '', an additional {$29.00} " Lender Quality Control Fee '' on every appraisal order. This {$29.00} is not customary or reasonable and is a possible violation of the Truth In Lending Act. No other lender has EVER charged a " Quality Control Fee ''. They are responsible for hiring their own quality control staff and paying them through their own income streams and NOT through passing their own payroll costs off on the appraiser. It is not customary, or reasonable in ANY way. Please look into this.
Consumer complaint received 2022-11-23
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (NJ)

Apple Card advertises up to 3 % cash back. 
Apple Card does not actually offer this cash back, and when you contact their customer support it is extremely difficult- if not impossible - to reach a human who is knowledgeable and willing to help. 
I am missing months of cash back ( there is literally no cash back activity despite there being many charges within those months ) and I can not reach a human who can explain why or investigate to help rectify the situation.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

On XX/XX/XXXX at XXXX I was scammed out of {$530.00} from a chime " agent '' that called from the actual number of chime support saying there was a issue with my savings account and that I needed to move my money to my checking account in order to fix it due to a XXXX XXXX XXXX being connected to my account and a XXXX XXXX and then I could move my money back once it was fixed that it was the only way to do the reversal for the {$500.00} pending on my account and that {$50.00} was used at a XXXX XXXX XXXX.He then said he would have to have his manager do a payment refund request in order to stop the pending but took the money and when I called the number back it was the chime support number but they claim no agent called me and they denied my dispute twice saying there was no error and still haven't gave my money back so I filed a police report with the police.
Consumer complaint received 2024-03-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I called Bank of America for a CD transaction on XX/XX/XXXX. The agent told me that the interest rate was 4.65 % and after 7 months I would receive over {$4000.00} for the XXXX CD investment. I completed the transaction on the phone call. However, I received a notice in XX/XX/XXXX, stating that the interest rate was 4.51 %. I only received {$3000.00}, over {$1000.00} in short as Bank of America agent promised me. I complained and requested for an investigation and refunding the amount of interest in short on XX/XX/XXXX. I was told that I would be contact on XX/XX/XXXX or XXXX. I had not heard back. I called them on XX/XX/XXXX to follow up. BOA refused to refund me or addressed the 4.65 % interest rate that their agent promised to me when I purchased the CD in XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have informed XXXX XXXX XXXX. The {$3400.00} account is not mine. I have informed portfolio recovery the {$460.00} account is not mine. The account with XXXX XXXX XXXX  is not mine. I have informed them multiple times a family member used my information to open multiple accounts. I did not find out they used my information until they were no longer living in my home and I have not been able to locate them.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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/year>
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (IN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX XXXX XXXX inaction. 

On XX/XX/2024, I received a text message from my cousin XXXX XXXX ( XXXX ) Through his XXXX  account asking for money. I did not question that request because we had financial transactions before. 

So, I went ahead and sent the money to the email address he provided ( XXXX ) First name : XXXX, last name : XXXX. 
I contacted my cousin afterwards and learned that XXXX XXXX had highjacked his XXXX  account and was going around asking his relatives for money. He could not warn us since XXXX was requesting a two-way authentication through his number. He had to call them to get it resolved. 

I immediately contacted my bank TD Bank to ask them to stop the transaction. They told me that they will file a dispute on my behalf. I also got in touch with XXXX to let them know. 

I provided the screenshots of my conversation with XXXX pretending to be my cousin to both TD and XXXX, they did nothing to reimburse the money I lost due to their lack of due diligence in allowing scammers to take over their platforms. 
Here is my TD bank case number XXXX CASE : XXXX XXXX, by only requiring customers to use EMAILS to set up accounts is being part of the problem, why are they not requiring more identification checks before someone can receive money? 
I want to get my money back from XXXX XXXX who impersonated my cousin to defraud me of my money. 
I also want regulators to look at XXXX as a platform that is making it easier for scammers to steal from innocent people.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (KY)

I moved from this apartment XX/XX/2023 then XXXX weeks later after my lease was up they charge me for repairs cause by smoke damage {$2500.00} an I never smoked in the apartment then they say it was from frying food an not using my exhaust fan over the stove witch is not true plus I was not under lease wit them at the time they accessed these issues so I wouldnt be responsible anyway
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very upset! 

I have submitted several disputes by mail to the credit bureaus to fix incorrect and incomplete accounts in which they fail to properly verify. I have yet to receive a response or solution from them. 
I have provided them with a very DETAILED dispute letter, clearly identifying the specific account names, numbers and details as to why it is reporting inaccurate and/or incomplete. 
I have even included screenshots of each account specifying the inaccuracies and incompleteness. 
I have still not heard a response to fix this issue, it has been well over 30 days for them to respond. 
THIS IS ABSURD!! HOW DO THEY HAVE THE LEGAL RIGHT TO CONTINUE TO REPORT INACCURATE INFORMATION WHICH IS CLEARLY IN VIOLATION OF THE FCRA!!!
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC (GA)

dispute an inaccurately reported collection account on my credit report. Upon reviewing my credit report, I found that there is a collection account reported by XXXX XXXX XXXX for the original creditor XXXXXXXX XXXX XXXX ( Account Number : XXXX ) that is inaccurately reporting an open and past due amount. This account is negatively impacting my good name, character, and ability to qualify for new credit, and I believe it is in violation of the Fair Credit Reporting Act. 
Details of the Inaccurately Reported Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ca XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Inaccuracy : The reported open and past due amount is inaccurate as of XX/XX/year> I request that you investigate this matter promptly and delete this inaccurate information from my credit report in accordance with the Fair Credit Reporting Act. Additionally, I believe that the furnisher of this information, XXXX XXXX XXXX, is an unreliable source. 
Enclosed are copies of relevant documents supporting my dispute, including a statement from XXXX XXXX XXXX confirming that the account has been settled and is not open or past due. 
Thank you for your immediate attention to this matter. Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 602 A. 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Sincerely, XXXX XXXX
Consumer complaint received 2023-09-16
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. (PA)

I did not authorize these inquiries XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX .

Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Consumer complaint received 2023-12-05
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.