davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Continental Finance Company, LLC (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (NY)

I had a past due balance of {$210.00} with a company called Sezzle that extended credit to me. This past due balance of {$210.00} was showing up on my credit report. On XX/XX/year> I was able to save some money and pay off the debt, and was directed to send payment to the collection agency XXXX. XXXX does not own the debt nor do they report the debt to the credit bureaus, but are hired by Sezzle to collect on the debt on their behalf. Sezzle still owns and reports the debt. I paid the balance off and settled the account with XXXX on XX/XX/year> and they assured me that they will inform Sezzle that my balance is paid off. I waited almost 4 months for Sezzle to remove the debt off of my credit report on all 3 credit bureaus and they have not yet done so. The last time they reported to the credit bureaus was on XX/XX/year> when I did indeed still owe a {$210.00} balance. I have called and emailed with Sezzle and XXXX multiple times over the past 4 months to settle this, and have received XXXX support or sense of urgency to correct this issue. I even filed a dispute with XXXX and the dispute came back with absolutely no changes even though I attached screenshots of emails from XXXX confirming that the balance is paid off and that my debt isnt valid any longer. Sezzle needs to remove this from my credit report immediately as it has been almost 120 full days since theyve received payment from me and they are ruining my credit score.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (WI)

I put my house in forbearance when the company got my account and i took it out of forbearance in XXXX, the paperwork was finalized and I made my first payment in XXXX. I have been trying to get a home equity loan or a cash out - refinance but I cant because the company marked my payment in XXXX as late on my credit report. Even though, I never had a payment in XXXX. Multiple companies I have spoken to told me that when you take your house out of forbearance there shouldnt have been a late payment. When I spoke to my loan officer about it, they were rude and told me there was nothing they could do about it and it wasnt their problem.
Consumer complaint received 2024-06-06
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: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/year>. I engaged in a purchase with XXXX  for various used RV equipment, including trailer hitches and electric RV stands, during their garage sale event. Following the transaction, I awaited the delivery of the purchased items, as agreed upon. 
However, after several weeks had passed without any update or delivery confirmation, I reached out to the merchant for clarification. To my dismay, I was informed by XXXX that they were unable to fulfill the order due to unforeseen circumstances. They explained that their merchant account had been closed, consequently hindering their ability to process transactions, including refunds. 
Despite my efforts to resolve the matter directly with the merchant, I have been unable to obtain a refund or any form of resolution. As a result, I am left with a significant financial loss and unresolved transaction Please note. 

I provide AMEX with proof of me trying to contact the merchant multiple time without success. 


Here are the dispute references numbers. 
XXXX XXXX XXXX I've reopened the dispute with amex 3 times. And it got closed. The reason they provided was. " Based on our review, we believe no goods and/or services were purchased or exchanged in this transaction. ''
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NY)

I recieved a call from a Debt Collection Company ( XXXX ) saying that they received my information from Synchrony Bank and that I owed a {$110.00} debt that they were collecting on ( from a XXXX debt ). I explained that I did not have a PayPal credit card, and that all Syncrony Bank debts have all been paid ( current balance {$0.00} ). The woman on the phone told me that for additional information regarding what the {$110.00} balance was referring to, that I would need to call Syncrony directly, and provided a number.

I called Syncrony from the phone number found via XXXX ( fearing a scam ). I called many different numbers but was unable to actually speak with a customer service rep. After about 30 minutes of trying, I finally called the number provided. It sounded like a legitmate Syncrony Help Line ( even mentioned FDIC Insured and that the call was recorded ). The customer service rep asked for my phone number and confimed my {$0.00} Balance. The rep DID ask for my social security number to look in the system to confirm there were no other outstanding balance that may not be tied to my phone number. Again, no outstanding balances. 

Overall, I am not sure what happened here- but I believe the inital call to be a scam.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TN)

LVNV FUNDING LLC has reported negative collections item on my credit report. This violates FCR 15 usc1692c, and states that all communication must desist. Reporting these items to the credit bureaus is a form of communication and is a violation of this law. These items, which are two, have caused me great strain and stress. And I request that this be investigated, rectified and removed from my credit report immediately. 
LVNV FUNDING LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2023-06-19
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NY)

Like many people in the current high interest rate environment, I chose to keep my uninvested cash in a high-yield saving account. I made the ( unfortunate ) decision to trust Goldman Sachs Marcus with what essentially amounts to my life-savings.

Recently, I decided to transfer all of these funds to XXXX, as they offered a meaningfully higher interest rate. 

Initially, it looked like the transfer had gone through. However, the following day I received an email from XXXX stating that Goldman Sachs had cancelled and reversed the transfer, with no explanation or reason why. 

Days later, I noticed that the funds ( well into the six-digits ) were no longer in XXXX, but also no longer in Goldman Sachs Marcus . I assumed that the reversal would take a few days, but when I checked back a few days later, I was completely locked out of my Goldman Sachs account entirely and could not even log in. At this point, I am still unable to access the account / funds, which I use to pay my rent, bills, etc. 

Since then, I have spent over XXXX hours on the phone with Goldman Sachs customer support trying to understand where the funds are and what is going on - No one has been able to give me an answer and I just keep getting passed from one " specialist '' to another - None of whom have any answer or resolution.

Needless to say, I am extremely concerned ( read : in a state of panic ), as this is effectively my life savings that has gone missing with no explanation.

Goldman Sachs Marcus is also refusing to pay me the interest that is owed on this account as well. I have spent XXXX hours on the phone with customer service trying to get them to send me my interest payment, and they just keep transferring me to other " specialists '' who can not help me. 

Goldman Sachs should be investigated for fraud as it looks like this is happening to many people on social media.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IN)

Made monthly payment via usps money order through regular mail. Wells Fargo claims the payment was not recieved for credit card all other payments mailed were received and processed except credit card. I have a personal loan with Wells Fargo that was mailed on the same day XX/XX/year> and was posted to the account 3 days later. I was informed theres no grace period late fee of XXXX applies due to no grace period. I have not been late in 6 years never had an issue until now. Payments go to a XXXX XXXX XXXX they offer no means to assist just make another payment per tracking it has not been cashed. As a consumer its counted against me when it can be bad business practice and a means to gain late fees and addition financial gain. Very upset with years of history.
Consumer complaint received 2024-02-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

We were gifted an Amex prepaid gift card with {$400.00} on it from my father in law. We can not use the card anywhere. My husband and I have tried almost every well known online platform ( XXXX, XXXX XXXX, XXXX app, XXXX, etc. ) and it will not work anywhere. There is no address or zip associated with the card. I tried everything. Weve also now tried to use in stores several times. 

I called the number on the card on XX/XX/year> and asked if they can add a billing address for the card, or how/where to use it. They basically only responded with keep trying at different stores. 

Im incredibly frustrated with this process and it feels like a scam. We are able to see the {$400.00} balance on the card but can not use it.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANKERS HEALTHCARE GROUP LLC (WV)

Thank you for the quick response. 

Attached are XXXX emails that will conclude that BHG accessed my CRA files based on false information from one of your " lead aggregators '' resulting in a " partial account application. '' Furthermore, I did not use the BHG payment calculator which you claim was utilized for at least 6 of the XXXX pulls on XXXX different occasions. 

As my FCRA 609E request states, I want all information that you have in your possession regarding this situation as in the name of the aggregator as well as all personal identifiable information used to authenticate my identity. Your representative indicated that if my SS # was used you would have it. This should include any address, phone numbers or birth dates. 

Just for the record, these felons are not interested in my credit report. Most CRA 's are connected to some sort of aggregator like XXXX. You don't want to be part of it!
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (GA)

Chime ( XXXX XXXX  ) is a scam, a bunch of thieves that stole XXXX instant transfers I made XXXX from my XXXX XXXX XXXX XXXX {$35.00} and the other from XXXXXXXX XXXX. {$56.00}. to my Chime Checking account. on XX/XX/year> and XX/XX/year>, respectively. Chime. posted in my account that the transfers were rejected but then the messages vanished shortly after the transfers and they kept my money.. Both XXXX and XXXX XXXX claim they never received the money bank. I ask CFPB to start an investigations on XXXX XXXX to force these professional thieves of Chime to return the money they stole from me NOW. They can't keep money I had to work for. Once I get a fair resolution I will proceed to close my account with Chime. Thank you.
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (FL)

Penn Credit Corporation bought my old debt and has reported it to XXXX XXXXXXXX XXXXXXXX as a new insurance cancellation. I received a sanction from XXXX XXXXXXXX  XXXX and upon further investigation ( XXXX XXXX XXXX and XXXX XXXX XXXX ) this is a resolved account from XXXX. As per the sanction, the insurance cancellation is from XXXX. I've contacted the XXXX and was told this should not come back as a new " cancellation '' since I've already submitted the necessary affidavits in XXXX. 

This should be considered fraud and an illegal business and debt collection practice.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (IA)

I received a notice from XXXX, XXXX XXXX XXXX, XXXX XXXX that I was responsible for my deceased brothers debt. I have also received phone calls demanding payment. My brother was estranged from the family. I am not a cosigner on his debt. I need to constant contacts to cease. I have notified them of this and offered up a death certificate, however they stated that they have everything they need. The contacts still continue, this time in the form of a letter sent in my name indicating that I am responsible for my deceased brothers debt. This needs to stop.
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (UT)

Back in XXXX i took out a loan with regional acceptance for a XXXX XXXX XXXX. I was making monthly payments of XXXX my last payment was XX/XX/XXXX. I got married and unfortunately, my wife came down with covid long hauler and wasnt able to work. We lost our apartment and the car was repossessed due to non payment. The last form of communication i received from regional acceptance was saying the car had been sold in auction. We lost many personal items in the car on top of everything. The last thing i was notified the car was sold in auction I never heard anything after that from regional acceptance via email, paper letter, text or phone. Years go by and we never heard a single thing from regional acceptance or any type of collections. End of XXXX i went in to see if i could get approved for a loan, come to find out i owed XXXX $ to regional acceptance on a car loan i thought was paid off through the auction. To be clear i found out from the bank that i owed them anything XXXX never saw anything on credit karma. Since then, My wife has called, emailed, left messages, support requests, contact requests non stop for weeks! She left all our contact info and account number exc. They also have my address and email on the account so its not like they wouldn't be able to reach me. So we've gone down a rabbit hole of contacting the XXXX and creating a case hoping they could help get regional acceptance to contact us. Still nothing from regional acceptance. My wife found out that regional acceptance is associated with truist bank and called them hoping to get more information, on the XXXX of XXXX spoke with a XXXX. He stated that regional acceptance had been permanently closed but found it odd there website was still active. Confused my wife calls regional acceptance the next day, she spoke with a man named XXXX, who then transferred her to a voicemail. she had already left a voicemail with there charge off recovery team. She left another message once again giving all the info needed to pull up the account and contact us. As weve done research, weve been able to login to the online account i only owed XXXX left for the XXXX XXXX. If i had been told prior id easily been able to pay it off when my wife and i were both working. From what i see on the account it looks like i paid off XXXX the car from what i remember was XXXX but they want over XXXX. Yet I can't contact them, they wont contact me, the XXXX has gotten involved its not getting anywhere. Something just seems really off. I don't understand how debt collectors weren't contacted ... my wife has started keeping track of dates she attempts to contact regional acceptance
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

I have unauthorized hard inquires on my credit file. 
Companies that need to rectify this issue are as follows. 

XXXX XXXX ( bank ) dateXX/XX/XXXX XXXX ( finance ) dateXX/XX/XXXX XXXX XXXX XXXX ( finance ) dateXX/XX/XXXXXXXX XXXX XXXX ( finance ) date XX/XX/XXXX XXXX XXXX XXXX  ( bank ) date XX/XX/XXXX
Consumer complaint received 2024-06-11
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: Self Financial Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SBNASELFLNDR - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-02-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Paramount GR Holdings, LLC (TN)

I was approached by XXXX XXXX about adding solar power to my home. After a couple of visits, we had a XXXX  meeting to close the deal. I was told that I would receive a {$20000.00} credit for the purchase. They said I could either keep the money, or apply the amount to my balance ( to keep the payment from ballooning ). The system was not completed. I tried to contact my salesperson but I was unsuccessful. I learned that XXXX XXXX had filed bankruptcy. I never received the payment. I learned like others, we were mislead about the {$20000.00} payment. I attempted contacting the finance company ( GoodLeap ) in regards of keeping my payment from ballooning. They did not give me any relief.
Consumer complaint received 2024-07-30
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (AL)

VERIFICATION OF DEBT REQUEST Dear LVNV Funding LLC, This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which state : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if Re : Acct # : _________________, Amount in Dispute : {$2500.00} This is a