davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
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: GOLDMAN SACHS BANK USA (NY)

I am on my fourth attempt to received copies of the evidence the Goldman Sachs allegedly used to decide a credit card dispute against me, and now I have evidence that Goldman Sachs didn't collect any evidence from merchant. 

I started a {$370.00} Apple Card dispute with Goldman Sachs on XX/XX/XXXX after having several billing issues with an airline. The dispute was opened on that date and all of my supporting documents with clear evidence of the airline 's failure to provide the services charged were submitted to Goldman Sachs the same day they were requested on XX/XX/XXXX. Then, on XX/XX/XXXX, I received an email from Goldman Sachs stating that : " Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason : -The evidence received confirms that the travel was completed for your flight purchase ''. 

Surprised at this outcome, that same day I contacted Apple Card and Goldman Sachs to request copies of the evidence that was collected in their investigation and that was submitted the merchant airline. I was told that the evidence would be send via physical mail within 7 days. That same day I received a copy of all emails sent by Goldman Sachs regarding this dispute. 

I didn't receive any documents by XX/XX/XXXX, so I contacted Apple Card and Goldman Sachs again. This time, the Apple Card Specialist stated that the documents containing the evidence used for their decision were sent via email the same day. They were not. Giving them the benefit of the doubt, I again requested copies of the evidence and made it very clear that I wanted it delivered both via email and physical mail. I was again told the documents should arrive within 7 days. 

By XX/XX/XXXX, no documents had arrived via either method, so I again contacted Apple Card and Goldman Sachs. The first specialists that I was put in touch with said that there was no evidence submitted by merchant in her system.Immediately after saying this, she transferred me to another agent. The second agent then said I had no right to request evidence. After explaining to them how the law ( 15 U.S. Code 1666 ) gave me the right to request evidence, I was suddenly transferred to a third agent. The third agent said that they'd be happy to send the evidence within 7 days. 

It has been almost a month since then and I have yet to receive any evidence. My calls are now spending over an hour without being picked up.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OR)

I requested to withdraw funds for the first time from my IRA with Huntington Bank on XX/XX/23. ( This account was originally a retirement account with an employer that I no longer work for. It was rolled over into an IRA when I left that employer and later the bank it was rolled over into was bought by Huntington Bank. ) Huntington bank representative informed me that I have to come into a branch in person to withdraw funds. I live in Oregon, the nearest branch to me is in Colorado. When I was seeking further assistance on this issue with a Huntington Bank representative, they ended the online chat we were using to communicate after I told them I would not be coming in person to a branch and there needed to be another way to get funds from the account. I still have not been able to withdraw money from the account.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

XXXX has reported a mortgage/collection account on my credit report which is the only thing stopping me from getting a VA home loan. On XX/XX/2017, I sent XXXX a letter asking them to provide a Chain of Title proving that they even own a debt that I am liable for and have the right to report it on my credit report. They responded to my request on XX/XX/2017 and were not able to furnish a Chain of Title and therefore were not able to prove they own any debt of which I am obligated to pay. Upon the receipt of their response, I immediately sent their letter in its entirely along with my own letter to the credit agencies demanding that they remove this mortgage/collection account from my credit report. I actually sent XXXX letters, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. In that letter I stated that due to the fact that XXXX could not establish a document that stated that they owned anything of which I was liable, that this needed to be immediately deleted from my credit report and if not it was in violation under the Fair Credit Reporting Act. I received my results from the credit agencies within the 30 days, and though they deleted the activity contained in the XXXX account, the account still remains on my report as a collection and has not been deleted, which is still the only thing preventing me from obtaining my loan.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX  XXXX XXXX Consumer Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Cease and Desist Reporting to Consumer Report - Account # XXXX and Account # XXXX Dear Sir/Madam, I am writing to formally request that XXXX XXXX  XXXX cease and desist from reporting the following accounts to my consumer report : Account Number : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information being reported to consumer reporting agencies. Upon careful review of my credit report, I have reason to believe that the reporting of these accounts is inaccurate or misleading. 
I am requesting that XXXX  XXXX XXXX refrain from reporting any information related to these accounts to any consumer reporting agency. This includes but is not limited to credit bureaus and any other entities that collect and maintain consumer credit information. 
I expect that XXXX  XXXX XXXX will promptly investigate the accuracy of the information being reported, correct any inaccuracies, and update my credit report accordingly. Until such investigation is completed, I request that you refrain from reporting any further information regarding the mentioned accounts. 
Please provide written confirmation within 10 days of receiving this letter, acknowledging your compliance with this cease and desist request. Failure to comply with this request may result in legal action being taken against XXXX  XXXX XXXX in accordance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I trust that XXXX  XXXX XXXX will take immediate action to address my concerns and ensure the accuracy of the information being reported. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently was turned down for credit based on Transunion not updating and deleting my XXXX Chapter XXXX bankruptcy from XX/XX/2010. I filed with my then attorney while living in XXXX, MD during my treatment for XXXX XXXX and was on unpaid medical leave thus filing for Bankruptcy. I have contacted Transunion numerous times to correct other erroneous details on my credit report and every credit reporting agency except them has taken my request seriously and rectified the situation. I belong to a financial support group and it 's ironic that all of us have the same issues with only Transunion not abiding by regulations and laws for consumers. Thank You in advance for your assistance.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (SC)

My VISA is issued through Elan Financial for Fidelity Rewards. A few months ago someone opened an XXXX XXXX  account with my credit card. How they got my credit card number, I'll never know. There is a monthly charge of {$86.00} that appears on my statement. I dispute the charge, Elan agrees it is fraudulent and credits my account. They also issue me a new card with a new number.

A month later the same thing happens, with the new number. I go thru the process with Elan again and they say they can block XXXXXXXX XXXX  specifically. The charge is credited, I get a new number, and... 

A month later it happens again. Apparently they can't block the merchant. This has happened four times so far. 

Elan explains to me that VISA, not them, is telling XXXX about the replacement credit card number. I called VISA directly and learned that they have a product called " VISA Updater '' which merchants who make periodic charges, like XXXX, pay for that informs them about the updated credit card numbers. You can imagine how frustrating it must be for XXXX, or XXXX, or whatever-service when monthly charges are declined because the number is no longer valid. This service would be handy for them.

This means that this fraudulent charge will continue as long as I have this credit card account. VISA says I can always dispute it, which I have been. They also suggested I contact XXXX and cancel the account. How will XXXX know what account to cancel? I am not going to read a credit card number to them in hopes of them finding the fraudster and cancel his account. I have never used XXXX let alone open this account. 

VISA and Elan tell me my only choice is to cancel the credit card account altogether and apply for a new one - a brand new account will break the link. That is my next step.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SLM CORPORATION (TX)

I requested deletion of my personal private info before they transfer it to a new lender as I no longer have a sallie may credit card. They sent a denial stating I still have an account. The credit card was closed years ago. O confirmed over the phone it was closed years ago. Bit they refused to delete my personal info from their database evem thoigh they have a request form to do so.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2023-11-29
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. (TN)

Despite multiple certified letters and phone calls requesting Experian to correct the reporting of me as deceased on my Experian credit report, Experian has refused to correct this problem of co-mingling my credit report with my XXXX XXXX 's credit file. I have attached my latest letter to Experian ( attached ) asking for them to correct this issue and one of the most recent rejection letters from a credit card company ( XXXX XXXX rejection letter attached ) stating that they have refused to give me credit because Experian is report me dead! The accounts that are showing me dead are : 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 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (HI)

From at least XX/XX/XXXX - present I am charged two interest fees a month by chase- they call them XXXX XXXX Fees. 

My statements shows in XX/XX/XXXX a interest fee charge of {$97.00} and one for {$2.00}. Each month there after these interest charges come through in a total between XXXX $ as two separate charges. One is usually XXXX $ and the other $ XXXX. There are no cash advances or any separate debts that would explain why I am being double charged. I was sure the CARD act of XXXX was in place to prevent these double billing practices but I am seeing over time that chase does not adhere to following rules.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I earned XXXX Capital One rewards points. On XX/XX/2023 I attempted to transfer the XXXX rewards points to XXXX XXXX XXXX account. The Capital One website blocked me. I contacted Capital One Customer Service multiple times and I was given different explanations. One agent told me maybe my XXXX XXXX XXXX account is wrong and asked me to confirm with XXXX XXXX. I did that and XXXX XXXX confirmed there was nothing wrong with my XXXX XXXX account. Another agent told me because I recently added a home phone number to my Capital One profile so I must wait XXXX hours. So I waited XXXX hours but the issue was still there. Finally another agent told me Capital One website blocked me from transferring rewards points because my Capital One credit card was too " new ''. 

I have double checked the Terms and Conditions ( attached ) governing the transfer of points from Capital One XXXX XXXX XXXX XXXX. There are no provisioning in there authorizing Capital One to block my transfer for the reason of " account being too new ''. So Capital one is clearly in breach of contract. And by failing to mention this important restriction in the Capital One Venture Card Product web page, Capital One also committed false advertisement.
Consumer complaint received 2023-12-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Army and Air Force Exchange Service (AZ)

AAFES received an application for credit in my name. They attempted to verify my identity with me due to a credit alert I have with the credit bureaus but they were unable to verify. The application is showing on my credit as a hard pull however it was not me applying for an AAFES card or credit.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

XXXXXXXX XXXX reported a XXXX XXXX credit card for {$340.00} in collections. Its since been removed bc they were unable to verify the alledged debt. All three credit reporting agencies are now showing it as a closed account. The account wasn't verified. Thats the reason it was removed from collections. Its incorrect information thats negatively effecting my credit score. Also XXXX and XXXX are reporting XXXX credit cards with over {$600.00} balances which couldn't be verified and the reason XXXX removed those accounts from my credit report. Again incorrect information effecting my score negatively. I have tried to have them removed multiple times and only experian removed due to not being able to verify the alledged debt. 15USC1692g 15usc1681a 15USC1666 hjr192 UCC3-302 UCC9-102 Ucc1-308
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: A.C.S. Companies, Inc. I (CA)

I am writing to you because I found an issue with my consumer file pertaining to my criminal history. My criminal record is still being reported beyond the 7 year window that is enforced through the FCRA Seven Year Reporting Window. The accuracy of this criminal information is not in question here today in this matter. However the reporting of criminal information exceeds the reporting of the 7 year period. According to 15 U.S. Code 1679c ( a ) - Disclosures, I must dispute this information with the cfpb. Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.The seven year limit for reporting criminal charges on background checks begins when the charges are filed, not when theyre dismissed, a federal appeals court recently ruled, In the 9th U.S . Circuit Court of Appeals ruled XX/XX/XXXX that the measuring period for a criminal charge runs from the date of entry rather than the date of disposition under the ( FCRA ). 


In the 12 states ( California being one of those States ) that limits conviction reporting to 7 years, the disposition/conviction date is the date of the adverse activity and should be used to calculate the 7 years. If needed, a CRA can also use the date of release from incarceration or the start date of parole to bring convictions into scope. 
15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing certain specified items of information or [ a ] ny other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
California 's Seven-Year Lookback Rule California includes a seven-year restriction on the reporting of convictions within the ICRAA. This law is found at Cal.CONVICTIONS : Go by disposition date. However, for " seven-year states '' that limit reporting convictions to 7 years from " disposition, release, parole, '' you can go by release date from incarceration or start date of parole, even if the conviction date is older than 7 years. Never consider probation to bring something into scope. 
SEVEN-YEAR STATES : California, Colorado, Kansas, Maryland, Massachusetts, Montana, Nevada, New Hampshire , New Mexico , New York , Texas, and Washington. [ In some of these states, the 7-year reporting restriction for convictions only applies if the applicant does not meet a certain salary threshold. Also note : The District of Columbia limits the reporting of conviction data to 10 years.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (MI)

We issued a check on XXXX XXXX in the amount of {$12000.00} drawn on Comerica Bank and issued City of XXXX XXXX for the summer 2023 real estate taxes. 
The check was altered and cashed remotely in XXXX. 
Upon notice from the City that our taxes were delinquent we immediately filed a report with Comerica concerning this fraud. 
We also filed a police report with the City of XXXX XXXX on this matter. 
They suspect that the check was stolen from the post office or at the City offices. 
They contacted their counterparts in the City of XXXX to advise them of the fraud. 
They also reached out to Comerica to a little more investigation on this matter, such as who cashed this fraudulent check and received no reply from Comerica. 
We have exhausted all avenues to get reimbursed from Comerica for this fraudulent check. 
We have had a banking relationship with Comerica for over 40 years and have never had this type of incident.