davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (NV)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (FL)

The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I need these inquiries investigated and I require written proof of authorization. 

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 reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Consumer complaint received 2023-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (OH)

I did consolidation loan with XXXX XXXX. This loan was to cover my XXXX outstanding credit card balances. XXXX and XXXX are showing paid, my Apple Card ( issued by Goldman Sachs ) is not. I closed my Apple Card in XXXX of 2023. Because of this, the virtual card number was no longer available to me in the XXXX XXXX. I had to call Goldman Sachs at XXXX to request my Apple Card account number. The frontline agent provided me with an account number to provide to XXXX. From XXXX  end, this debt shows paid as of XX/XX/2023. On XXXX, XX/XX/XXXX, I contacted Goldman Sachs at the number listed above to request an update on why the funds have not been paid to my Apple Card account. I provided the supervisor with the Apple Card account number that I was provided, and it was uncovered that what I was provided was an internal account number that was NOT supposed to be provided to customers. The supervisor apologized profusely, and reassured that she will be opening a payment inquiry to locate the funds. Now the {$4300.00} is floating up in the air, most likely stuck in a ledger at XXXX, but the interest and late fee penalties will not stop as I still owe my balance on my Apple Card. I was misled, leading to believe that my debt would be paid with the account number I was provided. When I further questioned the Goldman Sachs supervisor on what they expected me to provided XXXX to pay the debt, I was told that I was to provide the phone number linked to my Apple ID or my Apple ID email address. This does not make sense. I want the money located and the account paid so I can be done with Goldman Sachs/Apple Card XXXX On XX/XX/2023, I contacted XXXX  to request for my payment inquiry to be expedited due to agent error and I was advised that my complaint will be forwarded for review. Something needs to be done. By no means in this XXXX  fault as they did as I instructed. Goldman Sachs needs to be held accountable and backdate the payment effective date of XX/XX/2023 and delete the credit bureau reporting as thus account should be PAID OFF.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (OH)

In accordance with the Fair Credit act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-08
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: Mercedes Benz Financial Services (PA)

I requested a 3 month deferrment XX/XX/XXXX ; due to temp being laid off. Payments pickked back up successfuly as of XX/XX/XXXX. After numberous calls, XXXX, emails and letters. The company is reporting 30 days late for the month of XX/XX/XXXX. i had a deferrment for the moths of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I was also informed that maybe we did not get your intial request in XXXX, or it didnt land in the appropriate department ; fill put paperwork and lets see what happens. I filled out paperwork again second time. 
Finally I was tol to write a leter to dispute in XXXX texas about the 30 day latenes of XXXX XXXX that letter was writtine XX/XX/XXXX. I have yet to hear any update. I cslled merceds financial service back to inquire about my dispute letter. I was told that theres no way they can XXXX to see if XXXX XXXX XXXX  in XXXX texas received my letter ; i was also told that there is no telephone number that they can provide me to see if they received my letter. I explaied to the representative, far as I know that this could be a ghost company im sendig letter too ; representative responded " pretty much '' overall, i was never late for any of my car payments since purchasing this vehicle XXXX. In addition i have been in XXXX XXXX the past XXXX yrs and never with any miss or late payment. I just dont undrstand why this matter can not be fixed within XXXX. 

i was also told by meredes to dispute with XXXX XXXX in which i did and they will f/u ; of course that never happended as well. Any assistance would be greatly appreciated
Consumer complaint received 2024-03-31
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

On XX/XX/XXXX I ordered from XXXX  {$42.00} worth of products. They claim that they ship products within a week 's period of time so I gave them a whole week before reaching out to them with no status update on my package. Approximately XX/XX/XXXX or XXXX I decided to reach out to Chime which is how I paid for my items to dispute this purchase and request a refund but they have denied my dispute XXXX times thus far when I provided them proof that I never received my products nor my refund of {$42.00}. They originally claimed they were a bank and now they are saying they are a financial institution but either way they take too long to investigate disputes and they do not look at documented facts of a legitimate request of a refund that I rightfully deserve from the merchant. I am currently without any products that were canceled due to the dispute and I have not received my money back from the merchant nor this supposed financial institution that has been called a bank to get people to use their services with a checking account a savings account and a routing number that coexist with this so-called financial institution.
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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was overcharged by a restaurant merchant. I used my Capital One credit card. I did not collect/keep the copy of my credit card receipt. When I realized the ( new ) restaurant employee overcharged me, I visited the bar to attempt to resolve. The attendant took all of my information, took responsibility for the overcharge and stated the employee was new and learning. The attendant said I would hear from the manager within 5 days. After two weeks passed, I disputed the charge with Capital One. Unlike XXXX ( which is a good company ), they made the complaint/grievance process long and difficult. The rep told me it was online fillable form, it was not. I printed and filled out the form as requested. I mailed a copy of the dispute information I had and called again to receive a secure form/link to upload it. I uploaded the form and within 5 minutes I received a response that I was denied and the charge would be re-applied to my account. Why?? The rep on the phone told me my dispute letter would start the process of an investigation on Capital One 's part. They did NOTHING- meanwhile the receipt is sitting at the restaurant with the CORRECT amount I authorized my card be charged for.. And no one did anything. This is not right.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (IL)

Background Screen Report (submitted XX/XX/XXXX) XXXX XXXX XXXX has reported information that is inaccurate including negative information that is more that 7 years old disallowed by the FCRA for reporting outdated negative information in a background screen report to my employer.XXXX XXXX XXXX background screen report to same employer submitted on XX/XX/XXXX appropriately excluded this information as required by law. Please see attachment.XXXX XXXX XXXX XXXX XXXX did not provide me a copy of Background screen report as required and requested for the Background Screen Report submitted XX/XX/XXXX.
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I used cash app to send a friend XXXX $ she never received it I reported it to cash app they said she had to do it from her app because it showed as complete. She also contacted them several times and they said I need to I reached out again and was given the same reason I also sent screenshots of her conversation on cash app where they said I had to and was told she had to contact them and although we both gave them photo proof she didnt get it they refused to refund my XXXX $
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 XX/XX/2022
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-03-31
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. (NJ)

After Review of my credit report I noticed there is an account I do not recognize XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C. (MO)

Blitt & Gaines sent me a letter in the mail saying they are trying to collect a debt they claim I owe XXXX XXXX, XXXX. I filed several complaints they have failed to send me what I requested. I was served a summons but how are they a debt collector on the letter but listed on the summons as attorney office? Since they are trying to sue me and collect on behalf of XXXX XXXX XXXX. I asked that they produce the Affadavit of Corporate Authority signed by the board of directors office authorizing/ appointing them to represent XXXX XXXX XXXX XXXX  and allowing them to file a claim against me. But they have ignored my request. They have failed to provide identification and attachment of them working on behalf of XXXX XXXX XXXX. They also failed to provide a copy of the original card member agreement containing terms and conditions between myself and XXXX XXXX XXXX. They also failed to provide a copy of all statements from the beginning of time to present. They failed to provide identification and attachment of statements and files from record keeper of business. I asked for identification and attachment of forward flow agreement between myself and XXXX XXXX XXXX The only thing they sent me was a copy of statements from XXXX XXXXXXXX which does not prove that I owe this debt of XXXX that they are seeking. I also asked in my previous letter to them that they respond back via email and instead they sent me personal information in the mail. I have a stamp copy proof of that as well.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account Number : 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. 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX {$6000.00}
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

I used my earned rewards points to redeem for three XXXX XXXX XXXX. Two of the three cards did work the third card ( valued at {$100.00} ) said the code was not valid. I called XXXX first and their response was this code was never in their system, they checked the other two codes and they both did work. I called CitiBank to have the third code fixed and they said absolutely we will send you a new one. I waited 15 days and did not receive anything so I called back they told me that the issue was under investigation and to call back on the XXXX. I called back today the XXXX of XXXX and after talking to multiple representatives was told they could not refund my point balance enough to be able to redeem for a replacement gift card. I was told I could ask again in 6 months.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

I am a XXXX that had a XXXX account created for me in Venmo, but it had all these weird limits and wouldnt let me receive any money and was really inconsistent with how I could receive it. I created an XXXX account in order to be able to receive money properly and it let me create the account and put money into it and let people send me money just fine without questioning if I was actually an XXXX. today I tried to withdraw my balance, and they just said no. they let me add money to my account, pretty much giving them money without questioning if I was an XXXX but right, when I tried to withdraw or access any of my money, they deny me.
Consumer complaint received 2024-01-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION (AZ)

After XXXX years here in XXXX. I went home ( XXXX XXXX ) after I retired from United States Army to visit my XXXX XXXX XXXX brother and my uncles wife who was still alive and admitted in the hospital. After I came back I missed 1 month mortgage payments and on XX/XX/XXXX I received M & T Bank stating : Under the repayment plan, you must pay the regular monthly mortgage payment of {$2100.00}, along with an additional amount of approximately {$710.00} and XXXX of each months. The following payment schedule provides the specific repayment plan terms : Plan 1 Date : XX/XX/XXXX XXXX : $ {$2800.00} Paid Plan 2 Date : XX/XX/XXXX XXXX : {$2800.00}. Paid Plan 3 Date : XX/XX/XXXX XXXX : {$2800.00}. Paid After I paid the last payment plan 3 on XX/XX/XXXX they want me to pay {$2100.00} regular payment. I called the mortgage multiple times telling them Im retired 23 years XXXX  and XXXX vet so you know I get paid every end of the month therefore, you cant do this to me. I told them I also have bills to pay and also food, gas and I asked them these 3 plan payments should be able to cover one month missed payment. So the next payment should be XX/XX/XXXX or XX/XX/XXXX. Please HELP they are still calling me telling me Im behind one month payment. Thank you
Consumer complaint received 2023-09-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was provided false information via bank representative regarding a CD account. 
I was specifically told by the representative and they verified that several times that the early withdrawal penalty was insignificant and basically what the representative told me was that I break rhe CD one week or more after opening it I will not lose any money. 
Basically I was told if I deposit XXXX and I withdraw them a week after depositing the money into the CD or later the amount of money I would get, would be XXXX XXXX or higher. Today I called the bank to withdraw the funds from my CD, and I was told this was not the case. 
Basically, the representative that offered me to open the account lied to me about the terms of this product and I opene the account based on this fslse information. 
Yes, the bank did play a long recording that is pretty difficult to understand and which I agreed to, but I took the time to verify the terms with a representative and he provided me false information
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (NJ)

in Last fewdays i submitted the request of the following fraudulent items to be removed from the Credit report. EXPERIAN : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX XXXX : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX