davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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: GOLDMAN SACHS BANK USA (WA)

I am deeply concerned and extremely dissatisfied with the way disputes are being handled by Apple Card, issued by Goldman Sachs. Their approach towards dispute resolution demonstrates a blatant disregard for the gravity of the situation and reflects an alarming lack of professionalism. The subpar service provided not only raises questions about their commitment to customer satisfaction, but also severely undermines the trust that consumers place in such an esteemed financial institution.

1. Dispute Case Number : XXXX ; {$14.00}. 
On XX/XX/XXXX, I was extremely dismayed to receive the case result from Goldman Sachs, the issuer of Apple Card, which indicated a credit of {$2.00} and a subsequent rebilling of {$11.00}. According to Goldman Sachs, I had already received a credit from the merchant for the disputed amount, which I firmly believe should have been {$11.00}. However, upon closely examining my transaction history, I discovered that the only {$11.00} credit I received was dated XX/XX/XXXX. Furthermore, the merchant 's website clearly states that this amount corresponds to an entirely different order. 

2. Dispute Case Number : XXXX & XXXX ; {$350.00}. 
After receiving the result of my initial dispute, I found significant inaccuracies in the evidence provided by the merchant, prompting me to file an appeal on XX/XX/XXXX. In my appeal, I highlighted four issues and submitted three supporting documents to bolster my case. My dispute was not about a cancellation but rather a hygiene issue with a hospitality service. Additionally, I pointed out the misleading 12-hour request that the merchant 's evidence couldn't even support, and the fact that the document provided by the merchant wasn't accessible to customers at the time of booking. 
However, upon receiving information on how Goldman Sachs made their appeal decision, I was dismayed to find that the documents and information used were identical to those in the first dispute. This raises serious concerns about whether my appeal was even duly considered. Furthermore, when I attempted to request information about the appeal decision through chat customer service on XX/XX/XXXX, I encountered strong resistance from the representative, who even stated, " there is no need to do that, the decision has been made. '' This entire experience has left me extremely dissatisfied with the dispute resolution process of Goldman Sachs. I am disappointed by the lack of transparency, unresponsiveness, and apparent disregard for the additional evidence provided in my appeal. I urgently request that my case be re-examined by a different team or supervisor to ensure a fair and thorough assessment of the matter. Additionally, I would like to receive a clear explanation of the decision-making process and the factors considered in reaching the final determination.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (TX)

user XXXX XXXX XX/XX/XXXX, XXXX Sent {$730.00} AUD Your recipient should have the money by XX/XX/2023. 

Repeat this transaction Paid with PayPal balance {$500.00} Exchange rate {$500.00} USD = {$730.00} AUD XXXX USD = {$1.00} AUD Transaction ID XXXX Contact info Message XXXX XXXX Note XXXX Details Sent to XXXX XXXX {$490.00} {$730.00} AUD Fee {$4.00} {$7.00} AUD Total {$500.00} {$730.00} AUD There were 7 repeating charges that were attempted to be run VIA ACH. I called, emailed, and reported these fraudulent charges over a week before the ACH was even attempted to be charged to my account. 

The representative that answered the phone only stated that I had authorized the charges with no means to confirm this. I was alerted via phone to the charges to have been authorized at about XXXX my time, contacted paypal at about XXXX. 

Initial reporting to this was automatically declined by their automated system, the rep I spoke with said I would receive further review via their team. 

About a week later I received an email indicating the charges were unauthorized, however I would have to hope that the person who received my funds would return them. 

After initial contact with Paypal I contacted my banks, performed stop pays for all transactions and created new accounts. 

Paypal has apparently created a credit line on my behalf and given money to an unknown person while simultaneously informing me they knew these charges were fraudulent. 

In turn I have received a bill collector notice for these fraudulent charges.
Consumer complaint received 2017-03-31
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I bought a money order from XXXX XXXX to pay a bill. When I found out that the payment had not been credited, I traced the money order and found out it had been stolen and cashed, and that the thief had changed the name of the payor and the payee. I filed a police report and completed all the paperwork XXXX XXXX asked for in order to get the money order replaced. Then XXXX XXXX sent me a letter saying they had filed a claim on my behalf with the Bank of First Deposit ( Bank of America ) and that Bank of America had not responded, so XXXX XXXX was closing their investigation and that I should contact Bank of America. I contacted Bank of America, but they said it had nothing to do with them and that I had to go back to XXXX XXXX. When I did, XXXX XXXX told me I had to go to Bank of America.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The reported delinquencies for XXXX and XX/XX/year> are inaccurate due to XXXXXXXX XXXX loan forgiveness plan. Payments resumed in XX/XX/year>. XXXX 's representative apologized and assured that the correction would be made promptly. Regarding the XXXX forgiveness, XXXX hasn't updated it with the Department of Education per a representative, as bills for payment are still being received.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: Designed Receivable Solutions, Inc. (FL)

This XXXX an advisory that this account by the name of designed receivables has been knowingly and wrongfully reporting onto my credit report. I have sent this agency disputes which I will attach copies of here and they have been reading them and willfully choosing not to reply, this is grounds for removal and I will attach green return label for proof they chose to ignore me rather than to apply accordingly to my dispute letting them know they are illegally and wrongfully reporting to my consumer report. I AM ALSO REQUESTING PROPER AND COMPETENT VALIDATION OF THIS DEBT AND HIPPA AUTHORIZATION, A BREAKDOWN OF FEES INCLUDING ANY ALL COLLECTION COSTS AND MEDICAL CHARGES, A COPY MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY PRIVATE MEDICAL INFORMATION TO THEM, AND TO STOP ALL CREDIT BUREAU REPORTING UNTIL THIS DEBT HAS BEEN PROPERLY AND COMPETENTLY VALIDATED NOT VERIFIED BY ADDRESS THAT I HAD TO PROVIDE TO THEM CAUSE WHEN I CALLED THEY DIDNT EVEN HAVE MY ADDRESS ON FILE ( recorded )
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. (TN)

I submitted this complaint to update this suspicious information. The Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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)

XXXX XXXX of XXXX XXXX the XXXX in fraud with XXXX XXXX stated this account is not mines he has no record of this account at all. This account was verified numerous times and I told XXXX multiple times this account was fraudulent. They kept it on my credit report for a year almost reporting fraud. Both XXXX XXXX and XXXX are reporting an account that was open fraudulently harming my credit resulting in me getting many denials and inquiries because of the payment history. Ill will show all the screenshots I have taken of my credit to prove I tried to get this account removed multiple times and tried various ways to get it removed. I also spent XXXX hr XXXX mins on the phone with them to get no results but ran around to 5 different departments. Just for them to say call XXXX to have to remove it we cant do anything for you. We dont deal with credit reports is what The manager stated of XXXX XXXX.
Consumer complaint received 2023-11-15
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. (NJ)

After reviewing my credit reports I noticed that your company are alleging that the following accounts ; XXXX, XXXX, XXXX are accurate without furnishing any proof of verification of this debt or that your company followed all laws and regulations to report therefore your company must remove all negative and adverse remarks. These companies are reporting a certificate of indebtness which the IRS considers income and income can not be on a consumer report. Additionally, as your company know it is against the law to report any information not proven accurate, I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts ; XXXX, XXXX, XXXX but if your company are unable to provide the full reports of how you validated, verified, and how your company in compliance then you must remove the accounts ; XXXX, XXXX, XXXX from my credit report.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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. (GA)

XXXX is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a E-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. XXXX commission file number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX is securitizing consumer data yet refuses to provide consumer a copy of their Consumer FILE not Consumer Report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (NY)

At approximately XXXX on XX/XX/2004, I tried to send {$30.00} from my checking account to my daughter via XXXX XXXX however, the transaction would not go through. I called the number provided on the screen and was informed that a " hold '' had been placed on my account. The first CSR that I spoke to could not provide an explanation as to why a hold was placed on the account, so I asked to speak to a supervisor. Another CSR took the call and advised that the hold had been placed by M & T 's Security Department, however, there were notes in the system as to what prompted or triggered the hold. I asked to have my call escalated to see if a manager could provide a reasonable explanation as to why I would have to physically go to a branch to provide identification in order to have to have the hold removed. The next person I spoke to confirmed that, not only would I have to go to a branch, but I also would not be able to access funds from the ATM and stated that the bank manager would more than likely not be able to provide documentation as to the reason for my account being placed on hold. I am a former XXXX XXXX XXXX and currently an XXXX XXXX XXXX. I know that there were no XXXX-related activities that triggered the hold, nor were there any unusual transactions ; I occasionally use XXXX to send funds . I didn't receive any alerts regarding my account being compromised ; I could have been stranded or stuck in a precarious situation had I not tried to access funds this evening. I don't understand how a financial institution can arbitrarily place a hold on my funds, without some recourse to resolve the issue in a timely manner. I could have answered security questions or uploaded a copy of my identification ; however, neither was an option. No staff or department was able to override the hold and there was absolutely no information available to me. I was trying to send money to my daughter who is taking care of my XXXX father, who was taken to the ER earlier today. Thank XXXX I am in a position to have several available sources of funds ; M & T is my primary bank. I know something like this could have caused serious hardship for many consumers. There has to be some accountability. I will also be filing a complaint with my XXXX XXXX XXXX  XXXX.
Consumer complaint received 2024-01-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (KY)

Received loan through dealer on XXXX I believed this was a standard auto loan. After over a month, I had to contact the dealer to see who did the financing as I had heard/received nothing. As of XX/XX/, I had received no paperwork for this loan regarding first payment due date or payment amount due. Called customer support stating this issue. XXXX said they had my physical address entered and not my mailing address entered so I updated this and paid {$2000.00} to go towards future payments to allow more time for the documents to come in the mail. I asked the rep if I would be good for a while and the rep said yes. 
On XX/XX/, I checked my credit score and saw that lender filed a late payment for the XX/XX/ payment being XXXX days past due. I called customer support to inquire about the issue as I had made a payment and to also inquire why I still had not received any documents or statements. XXXX stated that my address had been noted but not actual entered. The rep also stated the {$2000.00} payment wasnt applied to my bill due - only as a principal payment. I told the rep it was suppose to go towards monthly payments, however, rep stated that wasnt possible and began arguing. I stated that he needed to listen to the previous call as it was recorded. After placing me on hold to, what I suspect, listen to the previous call, rep came back apologizing. He then transferred me to someone who could help. Nothing was done aside from me paying another {$1000.00}. The rep applied it to the late payment due. 
I do not see how I could have a past due of XXXX days for the XX/XX/ bill when I paid {$2000.00} on XX/XX/. I filed a dispute, however, lender states their reporting is correct. This does not make sense. The only error I see is the lender ( XXXX ) never sending paperwork for a loan they administered and ( XXXX ) not applying a payment correctly to an account for a borrower that had no knowledge of the repayment schedule as the lender never provided it ( which was another error on their part ).
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. (HI)

Title 15 of the United States Code, Section 1681n, is a provision within the Fair Credit Reporting Act ( FCRA ). This section addresses the liability of consumer reporting agencies for willful noncompliance with the requirements of the FCRA. Here 's a summary of the key points covered in this section : 15 USC 1681n : ( a ) Civil Liability for Willful Noncompliance : Consumer Reporting Agencies : Any consumer reporting agency that willfully fails to comply with any requirement imposed under the FCRA with respect to any consumer is liable to that consumer in an amount equal to the sum of : Actual Damages : The actual damages sustained by the consumer as a result of the failure to comply.

Statutory Damages : Such amount of punitive damages as the court may allow, which shall not exceed {$1000.00}.

Attorneys ' Fees : In addition to actual and statutory damages, the consumer reporting agency may also be liable for reasonable attorneys ' fees and court costs incurred by the consumer in bringing the action.

Practical Implications : Consumer Protection : Section 1681n of the FCRA serves as a mechanism to protect consumers by holding consumer reporting agencies accountable for willful violations of the FCRA 's requirements.

Liability for Damages : Consumer reporting agencies that willfully fail to comply with FCRA requirements may be liable for both actual damages suffered by the consumer and statutory damages, with the total amount not exceeding {$1000.00}.

Punitive Damages : Courts have the discretion to award punitive damages in addition to actual damages, up to the statutory limit of {$1000.00}.

Attorneys ' Fees : Consumer reporting agencies found liable under this provision may also be required to pay the consumer 's reasonable attorneys ' fees and court costs incurred in bringing legal action.

Overall, 15 USC 1681n plays a crucial role in ensuring that consumer reporting agencies adhere to the requirements of the FCRA and provides consumers with a means of seeking redress for willful violations of their rights under the law.
Consumer complaint received 2024-01-10
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: SYNCHRONY FINANCIAL (MS)

I notice these unauthorized accounts and I have not authorize any of the following to pull my credit and I would like them deleted. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Synchrony PaypalXXXX XX/XX/XXXX XXXX