davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CarMax, Inc. (SC)

I won't have my car payment until Friday. I have asked CarMax Financial to please hold off on trying for repossession of my car until Friday. I get paid this Friday and can make my payment. They said no and put out a repossession for my car. I was out of work and diagnosed with a XXXX XXXX This put me behind. I will get caught up and stay caught up if they give me this XXXX last chance. I really really need my car.
Consumer complaint received 2023-12-27
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 (VT)

OnXX/XX/2022 a charge was made on my Goldman Sachs Apple credit card for {$660.00}. I disputed the charge soon after because I had made no such charge. Some time later they determined that the charge was legitimate so I spent upwards of 5 hours on the phone with Apple Card customer service and Goldman Sachs and Apple customer service to attempt to locate the charge. The charge is listed to have been made with Apple Store but there is no history of any purchases made by me at any Apple Store or online. That was confirmed by Apple customer service who were unable to find any history of the charge existing at all. Since that initial dispute in 2022  Goldman Sachs has determined that the charge was legitimate and I am responsible for it. I have continued to dispute the charge but am unable to change that decision. Goldman Sachs has not given me any information about the dispute decisions.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I opened an American Express XXXX XXXX card on XX/XX/XXXX to earn a welcome bonus of XXXX membership points after spending {$15000.00} on my card within the first 3 months. I got the card and met the minimum spending requirement. I checked with the American Express customer service team on XX/XX/XXXX to confirm that my spending requirements were completed to earn the welcome bonus. I was given a response that Treasury payment to IRS did not count towards earning welcome bonus. I chatted with American Express customer service on XX/XX/XXXX again and I requested him to open a case to his supervisor investigate my issue. The representative denied my request and said that IRS payment was not eligible for welcome bonus points, however they were eligible to earn regular membership points. IRS tax payment is XXXX of the ways, I had planned to meet minimum spending requirement on my Amex card. I do not see any specific disclosure from American express that IRS tax payment will not earn welcome bonus. This card has a hefty fee of {$690.00} and I request Amex to research the issue and help me out. Thanks, XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX do 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 2024-03-30
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. (KS)

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

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 XXXXXXXX XXXX : XXXX XXXX : XXXX 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 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

These are not my accounts and should not be on my credit report. I needed these to be remove right away. 

1. XXXX XXXXXXXX - Account # : XXXX 2. XXXX XXXX - Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : XXXX
Consumer complaint received 2023-08-06
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. (NY)

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. 
XXXX XXXX XXXX : 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. 16815-2 ( AN1 ) 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 2023-10-21
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX XX/XX/ 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-01
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. (CA)

I have previously submitted a letter to the XXXX XXXX requesting the removal of certain inquiries, inaccurate names and inaccurate addresses from my credit file. Despite this, the inquiries, inaccurate names and inaccurate addresses detailed below persist on my credit report, thereby violating Federal Law. TheTransUnion bureauhas failed to adhere to the stipulations outlined in the Fair Credit Reporting Act, specifically under 15 USC sections 1681i, within the designated time frame. The continued reporting of unconfirmed information is not in compliance with the regulations. I urge XXXX to promptly remove these inquiries entirely from my credit report. 
XXXXXXXX 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX : Has a past due account from XXXX XXXX that shows a delinquent status. I dispute the account and it was removed On XX/XX/2023 report. XXXX then put the account back on my XXXX report. A direct violation 15 USC 1681. XXXX also, failed to notify within the 15 day window as to why the account was put back onto my credit rep report. How was the investigation done. This is having a direct effect on my credit score.
Consumer complaint received 2024-05-16
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: GOLDMAN SACHS BANK USA (NJ)

I'm reaching out to CFPB once more about the same issue I'm experiencing with Goldman Sachs Bank USA ( the Bank ) about unauthorized transactions on my account, they claimed that I open multiple dispute on my account totaling {$4400.00}, what they failed to realize is that these transactions are fraudulent transactions on my account and that's I contacted them to have a look at them, the representative contacted me on XXXX XXXX, 2024 while I was at work and was unable to talk he then contacted me back on XXXX XXXX, 2024 & asked me XXXX is XXXX XXXX, edict apparently was the name of the person that conducted the fraudulent transactions on my account. Yet they are here claiming that these transactions are not fraudulent. I'm hard working citizen I work XXXX every day and I swear for my money, so if I see an unauthorized transaction or transaction, XXXX totaling {$4400.00} on my account I have every right to report it. It's very clear that Goldman Sachs Bank USA ( the Bank ) did not conduct a proper investigation under these transactions, they also refused to provide documentation of what happened, they XXXX the name of the person who conducted the fraudulent transactions yet they are claiming that the transactions is valid. I'm kindly asking the CFPB to please assist in these unprofessional behavior of Goldman Sachs Bank USA ( the Bank )
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-12-27
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 (GA)

On a transaction dated XX/XX/2023 I was scammed {$190.00} in the XXXX XXXX XXXX XXXX XXXXXXXX using XXXX XXXX XXXX when a merchant showed me XXXX amount but quickly changed the amount before I tapped my phone. I almost instantly noticed this scam and reported it to Apple Card hoping that this swiftness would help my case. I have gotten in the phone with them multiple times, reopened the claim 5 times, told my story via email and over the phone countless other times. Despite providing all the evidence that I possibly can, Apple Card/Goldman Sachs continues to not only deny the claim but not even look at the details of an obvious scam. The whole point I use a credit card overseas is to protect myself from things like this happening. In the few times it has happened, my other providers ( XXXX and XXXX XXXX ) have timely and efficiently resolved the claim and gotten me back my money. This is the first time Ive ever filed a fraud claim and been denied, and I believe the first claim filed on Apple Card as I mostly use my XXXX and XXXX XXXX. Goldman Sachs keeps requesting that I provide more evidence, but that is not reasonable. The main evidence should be that nobody spends {$190.00} on a XXXX  in XXXX and the commonality of this scam! Especially to XXXX XXXX XXXX! 

To others, dont use your Apple Card if you want any type of fraud protection, they will close your claim in the scammers favor and leave you hanging with the bill. This is a company operating in bad faith with their clients, and I see why the consumer department is going out of business! I wish this would get fairly resolved, so I never have to deal with these crook accomplices again!
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

A woman messaged me and said she wanted to use one of my photos for an art project and that she would pay me. I agreed and she got me in contact with her boss and he sent me XXXX, XXXX dollar, electronic checks through email to deposit online through my banking app. I did so and he said he needed XXXX back and so I sent him the XXXX that came through for XXXX of the checks, the other was in review still and was not available for me to access. Several days later the XXXX checks bounced and now XXXX - {$400.00} in my account. XXXX scared and I dont know what to do. XXXX XXXX wont let me dispute because i approved it. My bank wont either. So XXXX still overdraft. I was super scammed I feel so XXXX and helpless.
Consumer complaint received 2023-12-01
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. (CA)

When I reviewed my credit report, I discovered that some of my personal information was inaccurate especially the address. The following needs to be investigated and be corrected for erroneous reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
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.
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (CA)

I have been paying for an 70 % title loan. My car is used and have two loans against my car. The value of my car is {$11000.00} and now have {$16000.00} in loans agina my car. I have been for these loans since 2019 and submitting financial records of such payment. Can you assist in lowering the interest rate has this is a Predatory Loan?
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO. (IN)

We believe that we were tricked into obtaining a Chase mortgage to purchase our home in XX/XX/ XXXX Chase advertised a " 21-day Closing Guarantee '' on its website promising to pay new home buyers {$20000.00} if closing does not occur within three weeks of the mortgage application. We completed our application on XX/XX/. They sent us a rejection letter claiming we closed 18 days after XX/XX/XXXX but we closed 26 days ( XX/XX/XXXX ) and that they needed 3 days after a Chase approved inspection. Our home inspection was on XX/XX/XXXX ( 25 days before we closed ). We were never asked about an inspection or notified if our inspection was " approved or not approved ''. The two excuses are inaccurate and not correct. They have given us about 5 different excuses now through emails and through our rejection letter that are all Chases fault. They are lying and not being honest. We have all the emails and documentation to prove that it was Chase 's fault for our delay in not closing within 21 days. We believe they are falsely advertising this guarantee. I would be very curious if Chase has even paid anyone for the " Closing guarantee ''. Chase has made up a lot of excuses as to why they won't pay us.

We had a lawyer send a demand letter and Chase sent a rejection letter to us, which is how we found out the information above. The two excuses in our rejection letter were false and not accurate. Chase is refusing to pay.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC (TN)

There false deceptive practices and Harassment has continued calling and mailing my home Wakefield agreed not to ever contact me as long as they are in business and agreed to pay me {$5.00} if they break that agreement. 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 I want Wakefield to honor the agreement that they broke on ... ... ... ... .... XX/XX/year> and XXXX by contacting me again. This is the 4th time unfortunately you have broke the agreement you owe me {$10000.00}. Wakefield please keep all record of the 3 phone calls conversations you falsely said we had but we never talked.
Consumer complaint received 2023-12-01
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. (WA)

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 XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

Newrez LLC seems to be running an insurance scam. They purchased my mortgage from another lender and began servicing it several months ago. About a month ago they sent me a letter claiming that I did not have insurance for the property and threatened to purchase insurance on my behalf. I do have insurance, I have always had insurance, and have at no point agreed to allow them to purchase insurance on my behalf. I uploaded proof of insurance to their website. I received a letter today indicating that they have purchased insurance on my behalf at a premium of {$2100.00}. My typical insurance premium is {$620.00}. My insurance company, XXXX XXXX, actually billed Newrez for my insurance, and Newrez paid the premium. So they absolutely know that I have insurance for this property, they literally paid the bill out of my escrow account. I believe they are affiliated with this other insurance company that they bought insurance from this other company ( they didn't even provide me with the name of the company ) and are intentionally ignoring the fact that they have paid my insurance bill with XXXX XXXX from my escrow account so that they can charge me three and half times the typical rate. I require assistance retrieving the funds that they have stolen from my escrow account. Thank you for your help.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.