davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

To whom it may concern Im reaching out to you to get some type of resolution for my Apple Card by Goldman Sachs. I have been dealing with this issue for over 2 years and I hope you can assist. During the XXXX pandemic I received notification from several credit card companies including Goldman Sachs to assist users affected by the crisis and how they were there to assist. I had the card for a year or so with on time payment history. I reached out to goldman sachs around XX/XX/XXXX to obtain assistance from the said company above. I explained to them that I was not able to make my monthly payment that month due to reduction of hours and wanted to be placed on the program that will prevent me from going 30 days past due. My credit is one of my top priorities, so I wanted to be proactive with this beforehand. I spoke with a representative who advised they could assist and to make sure I dont go into delinquency. To my surprise I get an alert that my credit scored dropped. When I checked the alert, it was due to a miss payment from Apple card. I immediately called goldman sachs to explain to them that I was placed on a program for customers effected by covid. I was told that they would need to find and listen to the phone call and would be contacted under pending investigation. A few months later at the end of XXXX I was told they would refund the interest and that credit reporting would be updated with all 3 bureaus. Since XXXX this has not been done and it still shows a late payment for both XXXX and XX/XX/XXXX. I have called into Goldman Sachs several times the last two years to get this resolved and Ive been getting the run around every single time. I asked them where the recording is so you can hear the discussion and was told its only for internal used. I have called several times to explain whats been going on and Ive been hung up on, kept on hold, or being told to dispute it with the credit agencies. I explained to them to look at my payment history and that I never missed a payment until the rep gave told me which I now found out was the wrong information. 
Ive tried to speak with the XXXX XXXX  department and financial services regarding this matter. The representative gave me incorrect information that negatively impacted my credit. This is negligent and unfair as a consumer and the consequence is my credit history being dropped due to this. I asked a supervisor what happens if the rep gives out wrong information to a consumer that could damage their credit and was told it was nothing, they can do about that. Im reaching out in hopes that you can assist with me getting the incorrect information removed. 

Thank you so much.
Consumer complaint received 2023-06-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (KY)

Back in XXXX American Car center went bankrupt they did not give me any notice of this i found out off of XXXX i also found out who took over my loan westlake from XXXX i was never communicated what was going on until after i made calls myself i owe {$1200.00} on my car back in XXXX i gets a email stating that i have to pay a extea {$3900.00} to get my title that i did not know i had to do American car center at the time i purchased in 2019 never told me that im leasing and at the end i have to pay this money so i called westlake and asked if i can pay monthly the extra {$3900.00} they denied me said i had to refinance with a bank or they were coming to take the car they have been taking cars and not helping i feel like they are trying to pay off american car centers debt the car is not even on my credit report anymore i feel like this is unfair to people that have been paying they should get extra time being of this circumstance
Consumer complaint received 2023-01-14
Product: Credit card or prepaid 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: DISCOVER BANK (NY)

I wanted to purchase a refrigerator from XXXX. Because I seen the refrigerator for {$600.00} less at XXXX, I contacted XXXX, and asked them if they do price matching. The XXXX agent told me yes. I also asked the agent if XXXX was also doing the 10 % off entire purchase promotion if the consumer purchased four XXXX XXXX from different departments. The XXXX agent also told me yes. 

The agent told me to make the purchase, and after the purchase was made, contact XXXX and theyll assist me with the price match. So I went and purchased the refrigerator from XXXX, as I was instructed. 

When I contacted XXXX with the the proof that XXXX was selling the same exact refrigerator for {$600.00} less, XXXX refused to honor the price match. In order to make it appear as if they was giving me the price match, XXXX told me that the price was substantially lower due to the 10 % off of the entire order. Such response from XXXX wasnt a valid defense because at XXXX I would have STILL received that SAME EXACT 10 % discount off of my entire order, and the refrigerator would have STILL been {$600.00} cheaper. 

When I contacted Discover to dispute the charge, although I provided them evidence to support my claim, they refused to uphold the dispute. 

I received two responses from Discover, one response when I called them ; and one via mail. Over the phone, I was told that Discover couldnt honor the dispute because although XXXX did tell me that they were gon na price match, they never agreed to a specific dollar amount. Thats ridiculous because XXXX told me that they price matched, they didnt tell me that they price matched with certain conditions. What does it matter what the dollar amount is, either they price match or they dont, and they promised me that they were gon na price match. 

The second response I received via mail had literally nothing to do with my claim. XXXX responded to the dispute by confirming that they did deliver my refrigerator, and that they did replace it with a different one because the first one they sent me was broken. I dont quite understand such response, as I never contested receiving or not receiving the refrigerator. 

XXXX sent me {$200.00} for keeping the refrigerator, but I never told them that I agreed with such resolution. Such {$200.00} for the inconvenience, doesnt resolve not honoring the price match that they promised me. 

I am disputing {$600.00} that I was defrauded out of.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

This information is totally bad for my credit. It is wrong information. It has to be deleted now. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (OR)

I will upload a PDF of this, in case the formatting gets lost : I recently wrote to Zwicker and Associates in response to their debt collections letter, and I called today to confirm receipt. 

They wouldn't answer a simple Yes or No unless I'd give them my SSN or year of birth, in order to " verify '' whos calling. I responded that, as neither of those were on the letter I responded to, they cant be used as verification... 

However, I did offer to tell them the File ID number on the letter I was responding to But the representative wouldn't accept the File ID number as verification! 

The representative continued asking me questions which were, seemingly, an attempt to get me to admit to owing a debt or to identify myself as the corporate fiction called XXXX XXXX. This was both unethical and unnecessary, as I had offered to provide the File ID number as well as the name of the credit card company and account number shown on their letter to me. 

I clarified, several times, that all I'm trying to verify is whether they received the letter I sent in the mail, and, if they have NOT received it, then all I'm asking for is an email address to resend the letter to. 

They refused to provide an email address unless Id give them my year of birth or the last 4 digits of my corporate fictions social security number. 

I asked whether they have special email addresses based on people 's birth year or social security number? They said no, but they can't just give out their email address to anyone. 

I asked to speak to a supervisor... And he, too, refused to provide an email address where I could resend my response to their debt collection letter, unless I could provide him with sensitive, irrelevant information. 

Well, I was hoping to email my letter to them to ensure they receive my response ; however, as they are unwilling to cooperate with a simple, easy, and undeniably reasonable request, then I will use other means to communicate and provide proof of receipt.
Consumer complaint received 2022-12-19
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. (PA)

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 XXXX : # XXXX, # XXXX, # XXXX, # XXXX. 

XXXX XXXX : # XXXX. 

XXXX XXXX XXXX # XXXX. 

XXXX XXXX : # XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX : # XXXX. 

XXXX XXXX XXXX XXXX # XXXX. 

XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Bankruptcy discharge : ref # 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-10
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$6500.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-01-09
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: DISCOVER BANK (CA)

I made a {$32.00} purchase of food on XX/XX/2023. The restaurant served food that was visibly spoiled. I rejected the food. I requested a refund from the restaurant which was not responded to. I attempted to dispute the charge with Discover and was informed that a dispute could not be filed because the goods had been rendered.
Consumer complaint received 2024-04-06
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. (AZ)

15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law 15 USC 1681A Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility XXXX  Charge off Account number XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX of late payments Account Number XXXX XXXX XXXX  Removal of late payments Account number XXXX XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX Removal of late payment XXXX XXXX XXXX Closed account Account number XXXX
Consumer complaint received 2023-11-14
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. (TX)

15 USC 6802 Obligations with respect to Disclosures of personal information I did not give written consent or instructions to share my personal information to a third-party. 

15 USC 6802b Opt Out states a financial institution may not disclose non public personal information to a nonaffiliated third party unless, such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or the other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party. 
The consumer is giving the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. 
The Consumer is giving an explanation of how the Consumer can exercise that nondisclosure option. 
Along with the ( GLBA ) Gramm-Leach-Bliley Act Governs the treatment of nonpublic personal information about Consumers by financial institutions and refraining from disclosing account numbers or similar forms of access codes to any nonaffiliated third-party. 
I choose to opt out from having any information from XXXX XXXX XXXX to share my personal information, as a result I respectfully asked that you remove XXXX XXXX XXXX from my credit report.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX : # XXXX, # XXXX, # XXXX, # XXXX. 

XXXX XXXX : # XXXX. 

XXXX XXXX  : # XXXX. 

XXXX XXXX : # XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX. 

XXXX XXXX XXXX XXXX # XXXX. 

XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  Bankruptcy discharge : ref # 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Dear CFPB This letter serves the purpose to inquire regarding the sudden closing of my credit card account numbered XXXX XXXX XXXX XXXX. The account was closed arbitrarily by Citibank without informing me prior to such decision. 

As a customer, I did not received any notification of the banks intention or any information as far as the intent or the motives behind the closing of this account. When I called the number that appears on the letter I received after the account had already been closed, they told me that they were not authorized to disclose any information to me, unless I request it in writing, thus this letter. 

As you may understand, this decision has caused a lot of inconveniences for me. I do not appreciate not being given proper advanced notice and being treated unfairly by this institution. 

As an American citizen I demand Citibank to respond immediately to my request and give me the reasons behind this arbitrary decision. 

I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TN)

I'm a biweekly paid client and my entire check is deposited in my account. I do overdraw my account but fees are still being added to my account. I have had fees added to my account and I can't afford to pay my other bills because Regions continue to keep adding these fees
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NC)

On XX/XX/24, I received a letter from US Bank dated XX/XX/24 stating they'd elected to close my credit card account effective immediately and that all reward points were forfeited upon closure. The points amounted to about XXXX points, or roughly {$1400.00} in value from a recent sign up bonus and spend, that were instantly lost without reconciliation citing its alleged terms all while incapable of identifying an issue signaling the justification for its closure. Further, the {$400.00} annual fee that was paid upon opening in the XXXX wasn't returned, and this is a theft of well over {$1500.00} in value. That I even need to waste my time advocating that their criminality be reversed is abhorrent and abusive behavior.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (IL)

I started this issue with the XXXX  back in XX/XX/XXXX and it still has not been resolved. 

I am still waiting on the letter from XXXX XXXX as they once again reported me as delinquent but instead of in XX/XX/XXXX they changed it to XX/XX/XXXX. 

I have XXXX weeks to move and my and my kids now have no were to go because of this. 

I have contacted a lawyer, and plan to sue XXXX XXXX as they are unwilling to fix their issue. 

They have reported illegal information, this card had nothing at all to do with the bankruptcy, nothing at all, I do not understand why it is so hard for them to read. 

I will try again the XXXX XXXXXXXX was filed in XX/XX/XXXX, and XXXX in XX/XX/XXXX if the card was not open in XXXX it could not be included in the bankruptcy, it was illegal of them to closed the account using an old bankruptcy case. 

And no payments were late, as they refused to take a payment from me in XX/XX/XXXX this is all XXXX XXXX error. 

Attached is a new XXXX report showing the delinquency that XXXX XXXX report on XX/XX/XXXX.
Consumer complaint received 2024-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently received a copy of my credit profile and there were accounts on it that didn't belong to me. I asked that they reinvestigate these XXXX items on my credit and email me at XXXX an updated copy of my credit profile. There's a XXXX  XXXX ACCOUNT NUMBER XXXX date opened XX/XX/2018 & a XXXX XXXX XXXX XXXX date filed XX/XX/2018 which aren't mine.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Company is reporting debt to my consumer report but have not provided any evidence of their authority to do so including proof of claim ; the bookkeeping for alleged debt including all payments made and interest ; original contract bearing my signature, and ; proof of debt ownership.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have disputed the attached accounts multiple times for inaccuracy and false reporting. The are not any accounts I recognize opening and accounts have so many discrepancies that I question the integrity. I have a right to accuracy and completeness on my report so I have requested that the inaccurate accounts be removed but they are still reporting. The accounts do not even show a notice of dispute so I KNOW there was not investigation completed. The account must be removed since it is impossible to verify the because of all the inaccuracies and discrepancies.