davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TX)

I made a payment to my credit card account today following the proper channels described to me from my prior incident back in XXXX. Yet again my funds are suspended and inaccessible to me for reasons unknown. Now I face penalties with other creditors for the 2nd time within a 3 month period. They take your money and lock it up for days without cause or without a reason and do nothing to help you resolve the issue. This card and this company are a liability to the everyday user and they need to be stopped. I don't understand how it's legal to suspend a customers funds for 3-10 days without cause, reason or explanation.
Consumer complaint received 2024-01-27
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (IL)

Went to XXXX in XXXX Illinois on XX/XX/XXXX " with a positive pay '' check ( {$4300.00} ) Its required to be verified before cashing. So since the check had XXXX on it i decided to go there to avoid check cashing fees. The teller attempted to cash the check before verification which kicked the check out as fraud. She then called to get the verification code which they provided her with which allows the bank ( XXXX ) to be paid. She then attempted to cashed the check again which came back as fraud again. There was nothing she could do therefore I left XXXX and called my issuing bank ( skylight financial/ netspend to void the check. Long story short the check couldn't be voided due to XXXX was provided the authorization code which entitled them to the funds. Well they ( XXXX ) did receive the funds on the XXXX of XXXX but and returned it on the XXXX since I was not their customer. 
Well today is XX/XX/XXXX and my issuing bank ( skylight/ netspend says nothing was returned to them. l 've been to XXXX several times since aswell as called skylight/netspend several times with no help. Those funds were a loan from my XXXX tax refund and my family is in dire need we are now facing in Eviction from our home. Please help!
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AK)

The Discover credit card app and website showed a running balance that was {$230.00} less than shown on my statement. The balance I was shown on XX/XX/XXXX was {$9200.00}. The card issuer claims that based on my statement it was {$9400.00}. My Discover account consistently showed me a running and current balance based on the {$9200.00} starting XXXX XXXX throughout the month as transactions were made. 

After my last transaction of the statement period on XX/XX/XXXX, I was given a balance of {$8700.00}. 
The day prior to my statement being issued my current balance jumped to {$9200.00}. {$200.00} of this jump is accounted for by interest charges, leaving {$230.00} unaccounted for. I took screenshots of my running balance and all transactions for this month. 

I contacted Discover in the morning on XX/XX/XXXX prior to the statement being issued. They informed me I would have to wait until the statement was issued later that day to receive any help on the issue. After the statement was issued, any running balance information was no longer shown on the app. The screenshots taken are from prior to the statement being issued. However, there was no transaction before or after then besides the {$200.00} interest charge. 

I contacted them again after it was issued. I explained the situation and offered to send the screenshots showing that they had consistently been misrepresenting my balance to me. I was originally told they are unable to accept screenshots. After later being transferred to a supervisor, I was given an email to send them to. The supervisor then claimed that the email was not received. I called the Discover help center, after being transferred 5 times, I was told all they could do was put a notation on my account saying I had been misinformed about my balance. After spending over XXXX hours trying to resolve this issue with them, Discover offered no explanation, no way to ensure my statement was actually correct, and no way to know that the current balance shown would be correct in the future.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 INQUIRY - XX/XX/XXXX, INQUIRY XXXX XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR, XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (MI)

In my previous complaint : " XXXX '' I put the wrong email, I put XXXX, when the correct email is : XXXX. XXXX from the : " PayPal 's office of executive customer advocacy '' had called my phone ( XXXX ) at random hours, leaving no return phone number or email where I can attempt to reach him back at to discuss this issue. This has been the same experience for all contact attempts by " PayPal 's office of executive customer advocacy '' since XX/XX/2023 and Ive never actually been able to speak to anyone this department. 

account : XXXX card # : XXXX My Paypal XXXX card does not show as a payment option when I checkout with Paypal. Ive had this issue since XX/XX/2023. PayPal and XXXX both refuse to acknowledge the issue and continue to point fingers at each other saying : " Its not my fault, its there fault! ". Both refuse to help and have been displaying incredibly unprofessional and apathetic images for their companies. I have spent over 100 hours on this, about 80 phone calls, dozens of emails, letters and CFPB complaints : ( XXXX, XXXX, XXXX, XXXX, XXXX ) - I will continue to contact you until someone acknowledges this card is not working and fixes it. 

Ive also attached : 1 ) a document from : XXXX XXXX " Senior Specialist Corporate Consumer Relations '' at XXXX XXXX  confirming this issue is Paypals fault so please do not skirt the problem and blame XXXX  again. 

2 ) XXXX form Paypal 's last CFPB complaint response he sent me. 

If I do not get a response from Paypal, or Paypal blames XXXX  again or if PayPal 's office of executive customer advocacy calls me at random hours without giving me a direct line or email to call you back ( The generic low level paypal phone support number you provided is of no use and you can not be reached there ) I will also start sending letters to the legal address of Paypal that XXXX  provided me, and referencing all these past cases and names of people I have dealt with who do not seem to care about this problem ive been dealing with since XX/XX/2023. 

Thank you.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (NC)

I HAVE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX reported 30 days late on a {$30.00} late fee. They took my regular payment on time out my bank account but reported {$30.00} fee. I asked them why would they take out my regular pay if I owed more, and report the fee. I uploaded XXXX and XXXX you can see they took normal pmt if I owed XXXX more why not take that too. Then in XXXX my normal pet again was taken plus additional fee {$85.00} then they credited the {$30.00} to my account this is predatory. 

I don't agree with their decisions of being late.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX unauthorized funds of XXXX dollars were taken out of my checking account. I notified Citibank of these transactions, resulting in me filling out two affidavits, and the results of them denying my funds back. I am in the process of flying an appeal.
Consumer complaint received 2023-06-05
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. (TX)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MTR XXXX
Consumer complaint received 2024-01-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (KY)

This company is holding a repossession on my credit account where i never owned this vehicle and it shows that the vehicle has been sold i need this to be removed off my credit as this is not my account. I have never purchased a car with bridgecrest. My identity was compromised and i have tried to resolve this number of times with no success
Consumer complaint received 2022-02-21
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: EQUIFAX, INC. (FL)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I have already sent equifax a written instructions to remove accounts off my credit file because I never gave them permission to furnish the report pursuant to TITLE 15 USC 1681b. They have failed to comply and adhere to my consumer rights. The CFPB is supposedly established to help the consumer in these situations. Please do your job and get the positive results I want. There shouldnt be any reason why when I confront a credit reporting agency and show them the code that shows how they are violating my rights that the violation shouldnt be cured immediately.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Hello, This is a continuation of case # XXXX. After the case was resolved and closed. The store issued a " misc adjustment '' charge for {$1200.00}. I have not made any purchases or used this card since my last complaint that was filed. I tried to call Lowe 's credit services and speak to " XXXX '' at XXXX am on XX/XX/2022. But he decided to hang up on me. The fact remains that this card was ONLY opened and used in an attempt to purchase an XXXX range and XXXX dishwasher. Neither of which we're ever delivered. This card has never been used otherwise. I have proof that I purchased the same units from XXXX directly with delivery confirmation from XXXX. I have no delivery confimations from XXXX  as all items were canceled before delivery due to massive mistakes at a store level that prompted me just to cancel and order elsewhere. Nor did I ever receive my two payments i made while I was trying to sort this all out. Ask XXXXXXXX XXXX to show proof of delivery on these items to my address. You won't find any. LasXXXX XXXX statement and proof of purchase/delivery from XXXX attached XXXX Thank you.
Consumer complaint received 2018-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Davis and Goldmark, Inc. (PA)

This letter is to inform Davis & Goldmark Inc. that I dispute the validity of this debt that you are claiming that I owe or for which your company is otherwise alleging that I have any personal liability or responsibility which you claim is in behalf of your client XXXX. 

I have no personal responsibility for this debt. 

Davis & Goldmark sent a collection letter dated XX/XX/2018 to me personally : [ see attached PDF file ] The address however [ see PDF file ] is the corporate address of [ see PDF file ] my company. 

All activity that occurs at this address is business activity associated with the corporation. 

All packages that are shipped from or delivered to the above address are exclusively related to the activity of the corporation. 

The letter from Davis & Goldmark states : XXXX delivered a C.O.D. package to you and payment of {$140.00} should have been collected at that time. For one reason or another, we show no record of receiving this amount. 

Neither XXXX nor Davis and Goldmark have identified the name of the sender, the alleged date of delivery, the type of package, its contents, value or or any other relevant information. 

Why would XXXX the tightest ship in the shipping business leave a C.O.D. package without collecting the amount due [ a package that by definition is to be delivered only upon receipt of cash on delivery payment by the recipient ]? 

Based on the identification of the perfunctory nature of the XXXX delivery activity in question, that Davis & Goldmark has provided in its letter, XXXX failed to satisfy their responsibility to their shipping client -- - and rightfully need to refund their client, the shipper, not to wrongly come after me personally for this that I had no personal connection to. 

If a package was indeed delivered to our company by XXXX as conjectured by Davis and Goldmark,  and XXXX failed to collect payment for the alleged delivery and for a package for which my company has no record of receiving that is neither the responsibility of my company and certainly not my personal responsibility to pay XXXX or Davis & Goldmark. 

In keeping with the " bottom-feeding '' disreputable nature of collection outfits, Davis & Goldmark is  evidently trying to bamboozle and intimidate me -- - as is apparently their stock in trade - and probably doing the same to numerous other people who have no personal fiduciary responsibility for the given debt .... just so Davis and Goldmark can strong arm as much revenue as they can -- - whether earned, deserved, relevant or not. 

Davis & Goldmark is misrepresenting, wrongly associating and fraudulently claiming the above as my personal credit obligation and personal debt.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (PA)

I am writing to express my deep concern and frustration regarding my recent attempts to obtain my credit report from LexisNexis. I have submitted online requests for my credit report on three separate occasions, and regrettably, I have not received the requested report. 

Recently, I received a letter from LexisNexis, stating that they were unable to retrieve my credit report due to a purported lack of information on my part and an inability to locate my details. I find this response both perplexing and troubling, as I have provided all necessary information required to establish an account with LexisNexis and even placed a freeze on my account due to concerns about potential fraud. 

It is essential to note that, in order to initiate a freeze or maintain an account with LexisNexis, one must furnish comprehensive personal information. Given this requirement, the claim of a lack of information on my part is not only contradictory but also raises serious concerns about the security and accuracy of the information held by LexisNexis. 

Furthermore, the recent letter from LexisNexis raises questions about how my address was obtained for correspondence purposes. If LexisNexis lacked the necessary information to provide my credit report, it is perplexing how they possess the details required to send me correspondence. 

This situation appears to be a clear violation of my rights as a consumer to obtain my credit report from LexisNexis, especially considering the information provided and the freeze placed on my account. As a consumer, I am entitled to timely and accurate access to my credit information, and LexisNexis ' failure to fulfill this obligation is deeply concerning. 

Please be advised that I am aware of the violation codes associated with credit reporting agencies failing to provide a consumer 's credit report upon request. According to the Fair Credit Reporting Act ( FCRA ), violation codes such as 611, 612, and 613 may apply in instances where the consumer 's request is unjustifiably denied or delayed. 

I anticipate your prompt attention to this matter and a swift resolution to ensure my rights as a consumer are upheld.
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (SC)

Reminder : XXXX The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-01-27
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: CITIBANK, N.A. (CA)

Returned items to XXXX and was not issued a refund. Contacted Citi regarding this issue and sent proof items were returned to XXXX but citi refused to issue a refund and cited I didn't respond to the merchant 's claim on time. They closed my case and refused to reopen it. I sent them the appropriate information on time by the requested due date.
Consumer complaint received 2024-01-27
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (FL)

Apple published {$200.00} offer on there website in XX/XX/2023 for everyone to take advantage on offers.applecard.apple by joining co-owner to get {$100.00} and receive additional {$25.00} each upto 4 family members. I currently hold Apple Card and followed the process completed all terms and condition. Later when I did not receive {$100.00} as advertised via apple customer support handled by Goldman Sach Credit card division. I was informed that promotion is not for everyone and it is only for invited via email. 

Misleading promotion was on apple website and clearly there was not mention of invitation only terms.