davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (VT)

The general interest on my card when actually applied equates to roughly 10 % higher than the posted rate on my card and seems to vary based on amount paid. To clarify not the amount of interest but the actual interest percentage seems to vary. 

I have reached out numerous times and nobody seems competent to even understand the issue or prepared to listen to the problem. All I get are promises that the interest is correct with no actual math or material facts to back it up. The highest level of management I can even speak to doesnt even seem capable of listening to any question I ask. 

I have provided them screen shots of their own app as well as all the math I have done for them to dispute.
Consumer complaint received 2021-01-04
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: U.S. BANCORP (TX)

On XX/XX/XXXX, I picked up a package from my local XXXX which was supposed to contain 4 items. When I got home and opened the package, it only contained one package. I contacted the company ( XXXX  ) that day via social media and was directed to email them, which I did, also that night. The responses provided were rude, and unhelpful to my situation as they provided me no path forward. I had requested either a refund for the items not sent or that they provide me with those items. 

On XX/XX/XXXX I filed a dispute via phone with US Bank for the 3 items I did not receive totaling approximately {$200.00} ( I gave the exact amount over the phone but don't have it on me anymore ). I was told they would work with the company and get back to me. The following week, I received a letter dated XX/XX/XXXX which stated " No further action is required from you at this time. '' On or about XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX stating that I had not provided the required additional information to proceed with the dispute, and they were cancelling the dispute. On XX/XX/XXXX, I called US Bank and spoke to " XXXX '' to understand why the dispute had been resolved when I had been told no further information was necessary. He stated that a letter had been sent which hadn't been responded to, but that he could re-open the case. He also mentioned that the original person to log my dispute did not categorize/track it very appropriately. I did not realize he failed to credit back the disputed amount, which caused my auto-payment to pay the full balance, including the disputed amount on XX/XX/XXXX. 

On or about XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX and signed by a XXXX XXXX It stated that they could not " support your claim of returning merchandise to the merchant ''. My claim had nothing to do with returning merchandise to the merchant. I have tried to call the direct number listed for XXXX XXXX on at least 3 separate occassions since receiving the letter, and they have all gone straight to voicemail with an outdated message about being OOTO in XXXX. 

On XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX requesting additional information to process my dispute with a deadline to provide that information of XX/XX/XXXX. Even under ideal circumstances ( when the USPS isn't backed up due to holiday volumes and COVID delays ), a two week turnaround would be extremely tight and no other contact was made to let me know this request was coming. Obviously in this situation, I didn't even receive the letter for over a month, which was well past their self-imposed deadline.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

on XX/XX/XXXX i check my credit report and i noticed 1 account is not my i never used and never get any benefit for this is the company XXXX XXXX  day open XX/XX/XXXX amount {$280.00} account # XXXX phone # ( XXXX ) XXXX
Consumer complaint received 2023-09-01
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

We pay our Credit Card Bill via XXXX XXXX. It is handled through our Bank Account at XXXX. XXXX receives the check and instead of applying it to the credit card account they deposit it into my savings account. We have been charged numerous late fees and credit has been affected. We have spoken to people many times they correct it and then it happens again. They are just not capable of fixing a problem or do not have the authority to do so.
Consumer complaint received 2023-09-08
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. (TX)

The dates on this report are incorrect on when it was last active. This account needs to be removed from my credit report. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debtt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2023-10-24
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. (FL)

just looked at my credit report, I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

This item 1. Account XXXX XXXX  XXXX Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 


2. Acount XXXX XXXX XXXX  Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

XXXX did an investigated and removed the inaccurate information from my credit report but you guys still havent removed the inaccurate information from my credit report which seems sketchy you guys are reporting the inaccurate accounts on my reports with different Dates and different status please remove account immediately everything on my credit report should be 100 % accurate. 


Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX15 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 inaccurateXXXX
Consumer complaint received 2023-02-25
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. (FL)

-UNRECOGNIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EQUIFAX MORTGAGE SER , 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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

just looked at my credit report, I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

This item 1. Account XXXX XXXX  XXXX Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.

2. Acount XXXX XXXX XXXX Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

XXXX did an investigated and removed the inaccurate information from my credit report but you guys still havent removed the inaccurate information from my credit report which seems sketchy you guys are reporting the inaccurate accounts on my reports with different Dates and different status please remove account immediately everything on my credit report should be 100 % accurate.

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX15 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 inaccurateXXXX
Consumer complaint received 2023-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

The bank did not follow banking regulations. They haven't sent a mortgage bill in over four years to someone who has passed away and I made a mistake and purchased a property with a mortgage. 

My mistake is the bigger mistake so I'll end up losing the property in foreclosure but the person who passed away had owned the property for over 50 years and there was no bill, so being careless and not getting a proper title search is understandable. 

I'm fine with losing the property, it was only {$7000.00} so it is not a huge loss but it would be great if a regulator could look at the bank 's business processes.
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)

Disputed XXXX accounts on my credit report on XX/XX/2023 and did not receive information regarding the investigation the accounts were marked as verified and updated on XX/XX/2023 with no validations or accuracy to these accounts.
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights.

I have already disputed these items, but the bureaus, did not remove them, nor prove validation under sec. 609 of FCRA.

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
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NC)

I received notification that I had a past due debt on my credit report. I called XXXX and the report is from a Collection agency - Online information services. They said it is a debt collection for some company called XXXX XXXX. Ive never opened any account with this company and have not received any correspondence as far as bills, account statements, or any kind of contact. I looked them up online and it says its an energy company in Texas. I do not nor have I ever lived in Texas. It seems someone opened an account there in my name.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (IL)

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, Experian, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXXXXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXXXXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with Experian, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX XXXX policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am writing to dispute information on my credit report that is definitely inaccurate and should be removed. This information is incorrect and should not be included in my credit report : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-11
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 (IL)

Paypal.com closed my account but refuses to give specific reason. No ability to appeal. I have no idea what I did or what part of their terms I allegedly violated. 

" You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX ''
Consumer complaint received 2023-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (GA)

My husband and I purchased a home on XXXX XXXX with a conventional mortgage. Property taxes were estimated at appx {$4300.00} for XXXX. We applied for a XXXX XXXX homestead exemption in our county for XXXX and this was granted. As such, our XXXX property tax bill was only {$2100.00}. Once taxes were paid the first of XXXX, XXXX, I requested a new escrow analysis to have my required escrow payment adjusted. Given the difference in the original estimated taxes and the actual taxes paid, the difference is appx. $ 200 monthly that is being over-collected. I have been back and forth with Amerihome Mortgage. The first request was never submitted. A second request was made, and nothing was adjusted. A third request was made, and they finally adjusted the estimated taxes for XXXX but did not adjust the required payment. I called and was told the tax department would not re-visit the analysis until XXXX of XXXX. Every time I talk to a person at the company, I get a different answer and they are short with me and not helpful. I have asked to speak to someone in the tax department and they will not allow it. I am told to just wait. I have also asked to be contacted as decisions are made, and this never happens. This is ridiculous and I should not be required to pay over $ XXXX in escrow when my total required annual escrow disbursements are estimated at appx {$4500.00} annually ( property tax, property ins, and mortgage ins ) AND my current escrow balance is {$2300.00}. I have a balance of {$2300.00} right after paying my annual property taxes and insurance and it is already more than enough to pay my estimated taxes for XXXX. Property taxes and property insurance will not be paid again until XXXX  of XXXX. I had this exact situation happen at my previous mortgage company and when my adjusted taxes bill was received, my mortgage company adjusted my payment immediately. Amerihome should not be permitted to escrow so much more than the estimated outlays required.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-13
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. (PA)

I am writing to express my continued frustration regarding the unresolved discrepancies and unverified negative items on my credit report. Despite multiple attempts to dispute these items since XXXX of 2023, I have received no satisfactory resolution from your agency.
Consumer complaint received 2018-05-14
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. (OH)

On XX/XX/XXXX I sent a certified letter to Experian and XXXX   to dispute a collection that was reported on my credit report by XXXX XXXX XXXX XXXX for the amount of {$340.00}. XXXX XXXX XXXXXXXX XXXX started reporting it to Experian and XXXX  XX/XX/XXXX. I have challenge the accuracy of the dispute with Experian and XXXX. XXXX has followed my request to delete the collection off my credit report. Experian sent me a letter reapplying back to me as a valid debt. I have requested in my letter to them the accuracy of this account and to show me documentation of the debt and my signature on any contract. They have not provided me anything show that the debt belongs to me. I have talken to XXXXXXXX XXXX XXXX XXXX over the phone about the debt on XX/XX/XXXX at XXXX again as to what they have for proof that the debt belongs to me and the dispute department has no proof it belongs to me. So how can Experian say that the collection is Valid, accurated and has been Verified.