davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (GA)

1, the consumer and natural person, was denied credit by Goldman Sachs Bank USA when I applied for the Apple Card. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 ( a ) ( 3 ) and 15 U.S.C 1691 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ). You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by the Goldman Sachs Bank USA due to the response I received. Goldman Sachs Bank USA is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my securities were used and I received no benefit. This is proof of fraudulent activity and securities fraud on behalf of Goldman Sachs Bank USA. If Goldman Sachs Bank USA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Goldman Sachs Bank USA criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 ( n ) and 15 U.S.C 1681 ( o ). I am sending this letter because Goldman Sachs Bank USA accepted my credit application but denied me credit. I will also follow up with an invoice for said violations ( { {$10000.00} } ) per violation
Consumer complaint received 2023-10-30
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these ITEMS ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-10-30
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these ITEMS ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-05-28
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. (VA)

Account name XXXX Account number XXXX continues to certified that information IS CORRECT BUT HAS YET TO PROVIDE INFORMATION. 

Delete this account for Violation and inaccuracy because the date open of the account the XXXX Account number XXXX reported is incorrectly on Experian, XXXX and XXXX. In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, XXXX and XXXX
Consumer complaint received 2024-05-27
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. (VA)

Delete this account for Violation and inaccuracy because the date open of Account Name XXXX  XXXX XXXX Account Number XXXX XXXX  reported is incorrectly on Experian, XXXX and XXXX ; again the DATE OPEN is incaccurate a. In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, XXXX and XXXX
Consumer complaint received 2024-02-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG MORTGAGE, INC (AZ)

I have closed on a home purchase with CMG. The closing date was XX/XX/2024 and it has been recorded with the county, I have a copy of the deed. I assumed a loan with CMG from the previous homeowner. When I try to access the account I am denied because it is still in the previous homeownwer 's name. I am told I can only contact the assumptions department through e-mail and my e-mails go unanswered for 13 days now.
Consumer complaint received 2024-05-28
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. (VA)

XXXX XXXX XXXX Account # XXXX continues to certified that information IS CORRECT BUT HAS YET TO PROVIDE INFORMATION. 

Delete this account for Violation and inaccuracy because the date open of the account the XXXX  XXXX XXXX Account # XXXX reported is incorrectly on Experian, XXXX and XXXX XXXX In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of XXXX payments are incorrect, and Date reported are incorrect on Experian, XXXX and XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX 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 2023-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IL)

On XXXX in or about the hours of XXXX and XXXX I went to PNC Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and used their ATM to deposit XXXX into my account via atm deposit the atm encountered an error and did not count my funds nor deposit my money into my account PNC will not do anything about this matter. Ive tried reaching out and no resolution of any matter. This bank stole my money
Consumer complaint received 2023-09-22
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: Chime Financial Inc (FL)

On XX/XX/2023 I was charged {$360.00} by XXXX XXXX, my phone XXXX of 3 years is Cricket so I reported my card as lost and I filed a dispute. I spoke with the merchant XXXX on XX/XX/2023 and they informed me a refund would be issued. I also spoke with a chime XXXX who told me the payment reversal was initiated on XX/XX/2023 and I should expect the refund by XX/XX/2023. Now this morning chime has denied my dispute and I have not received my funds from XXXX XXXX. XXXX clueless as to why and how this was denied being I dont even have a phone line with XXXX XXXX XXXX be sure to add supporting documents and information as well.
Consumer complaint received 2023-10-24
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. (MA)

I am writing to formally submit a complaint regarding incorrect information on my credit report, which I have attempted to resolve directly with Experian. On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report, and as of the date of this letter, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$710.00} Please correct this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Please correct this inaccurate information on my credit report.
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

I have had a GM Financial loan for many years. I have always paid by check. Over the last 2 years, GM was making it very clear they were trying to eliminate paying by check- they first mailed out my billing statement with only 4 days to spare before my due date. So for the last year I have gone paperless and printed out my statements 2 weeks in advance. I have mailed my check on time for 4+ years - never missed a payment or was late - all by check. This month, XX/XX/XXXX - my due date- they have not cashed my check. I mailed it 12 days ago and all the other bills I mailed out received and posted payment. I know they have received it, they've received my checks for 4+ years. So I called on XX/XX/XXXX and asked why they haven't cashed it. They claimed they never received it. I asked to speak to a manager, they wouldn't let me talk to anyone. Today, XX/XX/XXXX, I went on their online chat - spoke to XXXX. She would not address where my payment was, only referred to last month 's payment. I asked to speak to manager, she put me on a 792 minute wait time. They won't address anything, won't let you talk to management and are lying. This is my credit, this is my life they are messing around with. I want them to be held accountable for their negligence and damaging people 's credit.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX 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 2023-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/XXXX  I received a email from PayPal stating that they closed my account because looks like someone underage or not in the country where PayPal service.No other issues I think my account was wrongfully close because I am well over XXXX even when I created the account I was over XXXX. I have provided PayPal with my ID and social security card before they decide to close the account so they know I'm not underage and they know I live in the USA.I have a balance in the account which they are holding my funds treating it as a seller 's account when it's a personal account I am not a seller.I have read PayPal disclosures I have not went against there rules and regulations for my account to be terminated.
Consumer complaint received 2023-10-30
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. (MI)

Delete XXXX XXXX Bankruptcy Court in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX  BANKRUPTCY COURT ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (IL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 2023-04-25
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. (PA)

I will need to improve my credit score before I can apply for any loans in the future. Also saw some hard inquiries on my report that I did not make myself and that's making a big impact on my report. It's essential to have a good credit history to qualify for favorable loan terms and interest rates. I was hoping you could not apply for a car loan, but I could not. I was attempting to purchase a home and apply for a car loan, but I could not do so because of issues with my credit report. There shouldn't be any damages on my report since that is defamation of character by the 15 U.S.C. 1681 statute. 

I tried to remove these problems multiple times and they will not take it off. I tried contacting Experian but the company is not listening to me.
Consumer complaint received 2023-10-24
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XXXX XXXX XXXX, I visited Kohls to purchase a couple work clothes for the XXXX XXXX I work at. After spending a copious amount of time trying on outfits on my only day off, I proceeded to checkout with my clothes. A blonde white woman is supervising a new cashier, so I smile go along with my checkout. At a point in my transaction, Im offered if I want to sign up for a Kohls rewards card to get a 35 % discount off of my immediate purchase. Usually when customers hear the words store card, they often thing of like a membership to get deals at checkout, not a credit card. This card was only advertised as something I use at checkout to save money. I believed I was joining the Kohls rewards program like many of my family members, not enrolling and getting a credit card. During the transaction as I was putting my details in, it asked for my SSN. I directly asked the Supervisor a clear question, Is this going to pull my credit? To which she tilted and scratched her head, and awkwardly replied Just a soft credit pull. And then I proceeded to say oh nice, those dont hurt your credit. To which she did not respond as she watched me finish entering my details. Just to stop right here, I believe that most adults should be aware that obtaining a credit card would require a credit inquiry that hurts your credit score. I believe both me and this Supervisor are aware of that fact. That is why when she responded with a soft pull, I was misled into the type of card they were offering me. I asked her a question that showed I did know what I was actually signing up for, and she gave me incorrect information. While it is possible that this Supervisor believed that credit cards require soft pulls, she then proceeded to raise her voice and tell me something along the lines of I hope you enjoy shopping at Kohls for many years to come! As I exited quickly to not hold up the line. What happed at this this store was this woman is trained to give consumers vague, misleading answers to their questions about products in order to meet their sales goals. Even if it comes at the expense of the consumer. What happened earlier was a dishonest act, that I believe made the supervisor and cashier uncomfortable that they were incentivized to lie to me, a young XXXX American man. Yet still, the fact I was misled while getting a vague card to use at a store is inexcusable, and utterly ridiculous. I put my trust into the supervising woman and asked her a clarifying question, and then I was mislead, and now my credit score will tank because of it. This truly upset me to my core when I checked my email and found that a credit card would be arriving soon. This will devastate my financial plans in the coming months, as I now have to manage my finances with unwanted line of debt.
Consumer complaint received 2023-01-20
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. (NC)

In accordance with the Fair Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights.

15 U.S.C. 1681 section 602A 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 7 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 information is inaccurate.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

I recently received a new Social Security Number and I am trying to provide it to American Express. However, I have called American Express and they refuse to allow me to update that information on my account without mailing or faxing my sensitive documents to them. 

These methods are both insecure and inaccessible, given that very few people own fax machines in XXXX  and that mailing documents is not free. This is clearly a discriminatory process, and other options should exist to update my account Social Security Number.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: U.S. BANCORP (CA)

I applied for a US Bank Business Leverage card, which was approved on XX/XX/year>. Recently, I attempted to use the card for a cash advance but the transaction was declined. I contacted customer service through webchat, and the agent indicated that they had activated the feature for me. However, subsequent attempts to obtain cash were also unsuccessful. Upon further inquiry with customer service, I was informed that the cash advance feature is not available on my account due to its age of less than XXXX months. 

This critical information was not disclosed on their credit card page or during the application process. The cash advance feature is essential for sustaining my business operations, and had I been aware of its limitation, I would not have pursued this card. As a loyal customer of US Bank, I feel misled by this omission of information, which I perceive as deceptive practice. I am seeking a resolution to this matter. 

The statement from US Bank 's Business Leverage card information page regarding cash advances gave a false impression that the cash advance feature would be included with the card : XXXX variable XXXX for Cash Advances is XXXX  %. XXXX XXXX fee : XXXX  % of each advance amount, {$10.00} minimum. '
Consumer complaint received 2024-05-13
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NY)

Yesterday I received a credit alert that a debt collector has reported to credit agencies a collection for {$250.00} from XXXX XXXX. I don't have any business with this collection company and I don't who they are.
Consumer complaint received 2023-08-25
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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