davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
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 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 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 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 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 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 2023-12-04
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. (GA)

On XX/XX/XXXX I Received a Correspondence From XXXX XXXX XXXX XXXX. That I Cant Limit Sharing of my Non public Information which is Private. They Have Furnished Inaccurate and unreliable information. I am Opting Out of Sharing of all my Information Under the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. 

Upon reviewing my credit report, I have not received an opt-out notice as required by law. I request that you investigate and rectify this matter promptly. 

Furthermore, I would like to emphasize that Experian, XXXX, and XXXX are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. 

I am committed to safeguarding my financial privacy, and I trust that [ Experian, XXXX XXXX XXXX ] will promptly address and rectify these concerns in accordance with the law. 

Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. 

Exhibit A Attached
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

I used to have an AppleCard issued by Goldman Sachs with a {$750.00} credit limit until Apple declared my email address as " fraudulent '', due to unauthorized payments coming from the address. They said that all I needed to do was switch email addresses of the Apple Card from my old email address, XXXX over to my new email address XXXX. Long story short I wasn't able or allowed to switch my email address over to the new from old so, Goldman Sachs closed my AppleCard account without notice. My credit has improved since the original credit pull, but to no avail I can not get an AppleCard. The reasons were recent delinquency. Time since delinquency is unknown or too recent, and Length of time since accounts were established. Now the answer is I have applied too many times, yet it tells you to reapply if you feel the decision was in error.
Consumer complaint received 2023-10-31
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: GOLDMAN SACHS BANK USA (NJ)

This dispute stems back from XX/XX/2022, I ordered 3D printer filament and used my apple card as payment. The filament was marked delivered by XXXX, but I never received it and my XXXX XXXX XXXX didn't show any delivery either. On the rare occasion this has happened to me, my credit card company backed me up because I truly never received the merchandise. Not to mention it was around holiday season which everyone knows delivery mistakes occur more around that time then regular. I have disputed it with apple card 4x and every single time they do not help me at all. 

" Dear Apple Card, Not sure what information I can provide besides confirming that I did not receive the delivery as stated by XXXX. 

I honest to god did not receive the printer filament that I ordered. It is demeaning to have to file the dispute several times because someone can not comprehend the item was misdelivered during XXXX time last year. Insane this is still pending, very dissatisfied with apple cards protecting my purchases. 

Please let me know if you need anything else. 

Best, XXXX ''
Consumer complaint received 2024-04-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So Im still dealing with a dispute from XXXX and XXXX. I called and told the rep I noticed a lot of charges that I didnt make and I realized someone has been using my physical card for purchases. I have been using my XXXX XXXX  as well because I couldnt find the physical card but I didnt think anyone stole it and was using it until I check my statements. The rep said he put a bunch of the transactions on a claim case. Months later I get a response saying dispute closed against me. I call and ask if I can still provide the required info because I missed the date. They allow it. I just recently sent them through physical mail, a copy of a report I made on XXXX XXXX  which they told me to make. Even after doing so and sending the info I get a message saying they resolved against me but no reason as to why. Especially when I know for a fact some posted transactions were made in locations I have never been to not used my card in. Now Im stuck. Im starting to think I should close my account. Not only that but when I check dispute status it shows the dispute is still being researched.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

To Whom it may concern, I asked Experian, and XXXX to reinvestigate all disputed accounts in question on my credit file as of XXXX XXXX. I sent everything in to all three Credit Bureaus by certified mail, every document. I have asked what method was used to verify it was I that supposedly opened these accounts and I requested a copy of my signed signature with my name and address on the original contract. I did not receive anything back. My disputed accounts have been ignored since XXXX of XXXX. It's been way over the 30-day mark. By State and Government law, these disputed accounts were not removed. This is a violation of my rights.
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

The collection showed up on my credit report and says the it was from CEDAR BUSINESS SERVICES opened on XX/XX/2023 for a balance of {$600.00}. This is not mine and i dont have any affiliations with this company. This is a result of a fraud.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The NAVY FCU. 
is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : NAVY FCU XXXX.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

on XXXX I paid {$11000.00} payment to my bank of America credit card with a XXXX XXXX cashiers check brining my bank of America credit card available balance to XXXX on XXXX I requested a balance transfer in the amount of {$17000.00} to my bank of America account from my bank of America credit card. On XXXX the funds of {$17000.00} showed available in my account. I visited the bank of America banking center at XXXX XXXX XXXX, XXXX TX XXXX. I was told by the manager and assistant manager that I could not get a cashiers check made payable to myself for these funds because they have not posted to the account but showed available for me to use. I explained that these funds can be verified coming from my bank of America credit card they then said this is policy but did not present evidence of this written policy. Next I asked for cash then they said this amount of cash would have to be ordered. I don't understand why a bank that holds cash would not have cash on hand. Again the manager nor the assistant manager could show me where this policy is written that I need to place a cash order of XXXX to be able to take out cash.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-12-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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
Consumer complaint received 2018-12-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

I have just finished my second XXXX XXXX XXXX and my income currently is from my XXXX as I am on a XXXX  which will end in XXXX. I am also XXXX XXXX XXXX XXXX to help pay the bills, though only make {$500.00} a month. My Navient loans were all accrued when I was an XXXX 10 years ago ( they were then Sallie Mae ). The more money I pay, the more money I've had to owe. It's sad to see that I've spent thousands of dollars to pay off a loan only to find the balance is higher! 

As I was getting my first XXXX  's, Navient told me I could not do an in-school deferment and that I had no option but to use up my forbearances ( which were used up due to being in school ). My loan payments were still too high for me after school so I've been on an interest only repayment which is about to end in XXXX. I've made all the payments on time and Navient is my highest loan bill -- even at interest only repayments. I have received emails since XXXX saying that my new payment would be in the next billing statement, which had never happened. When I called about this they said there's nothing I can do until that statement is generated and only then could they figure out what options I may have. At first I thought my new payment was almost the same as my interest only payment when I looked at the statement, but then realized the new payment amount still hasn't been generated and I'm struggling just to pay this interest! 

I recall years earlier when I had to use up my forbearances on XXXX XXXX and asked what my options would be if I got into a financial bind in the future but couldn't use the forbearance because they had to be used up in school. I just wanted to know what my options might be. They said there was nothing I could do but not to worry because I wouldn't go into default for 90 days -- as if that could somehow make things better? 

My student loan payments ( in total ) are more expensive than my rent and Navient 's is the highest that I have. I know they told me that if I do a lower payment it will have increased by {$20000.00} but I am in a bind because I'm just trying to afford ANY payment. I will never buy a house or have a family because this is so overwhelming and if I can barely afford to just survive, how could I afford that? These loans from Navient ( then Sallie Mae ) I took out as an XXXX at XXXX, thinking afterward a full-time job could help me make the payments, which has not been the case. It's sad to look at Navient 's website and feel relief at reading that my loans could be discharged due to death - to be so stressed out about paying student loans that death is a comforting option when you realize you're only living life to pay your loans and will have to work so many hours there's no time for anything else.
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (GA)

Brightway One Main Financial credit card left a voicemail stating for me to call them back because this was an attempt to collect a debt and they disclosed that I have a debt with them on my voicemail. Anyone could have gotten that message and learned my private information about having an account with them. They are violating my rights to privacy with that voicemail stating they are attempting to collect a debt.
Consumer complaint received 2024-04-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am writing to you regarding a transaction I have attempted to resolve through our financial institution my bank America On XXXX, XXXX, 2022, I made a purchase of a XXXX membership for the amount of {$28000.00}, of which we paid with my spouse with our credit cards an amount of {$11000.00} and another amount of {$13000.00} to the company XXXX XXXX XXXX XXXX . However, unfortunately, we have not received the benefits and services corresponding to such membership as of today. I have attempted to contact XXXX XXXX XXXX XXXX on multiple occasions to resolve this matter and request a refund, but unfortunately, I have not received any response from them. 

Given the lack of response from the supplier company, I turned to our bank ( bank off America ) for help to resolve this problem. I have submitted several claims and requests for reimbursement of {$11000.00} and my husband 's {$13000.00}, however, so far I have not received a satisfactory response from our bank.

I understand that bank policies and procedures may be rigorous, but I strongly request that you consider my situation and support me in this process. I am willing to provide any additional documentation necessary to support my claim and am open to any verification process the bank requires to resolve this situation fairly and equitably.

I appreciate your attention to this matter and kindly request that you review my case in the hope that we can reach a satisfactory resolution as soon as possible.
Consumer complaint received 2023-01-04
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. (CO)

In XX/XX/2022, I sent a certified letter to Experian to investigate how they are reporting a payment status on XXXX closed accounts. They did not respond so I sent a follow up letter in XX/XX/2022. I received a response that they " verified with the creditor that it is reporting correctly ''. I believe this to be a ridiculous response considering, XXXX ) The accounts are CLOSED and was paid in full XXXX ) The payment status is not reporting inaccurately because of the creditor it is the way Experian is reporting it XXXX ) A payment status is to report as the " CURRENT '' Payment status. 
XXXX ) They are reporting a derogatory payment status on XXXX paid in full closed accounts. Experian is reporting them as, " Paid was past due 30 days XXXX times or more '' and " XXXX was past due 60 days ''. 
The accounts are BOTH closed and paid in full. THEREFORE the Payment Status should read " PAID AS AGREED '' This is an FCRA VIOLATION- and if not corrected I will pursue legal action for their blatant disregard for the law. This is harmful to my credit score and is completely inaccurate. Ive included both certified letters, as well as a copy of my credit report on both accounts with the inaccurate information highlighted.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing XXXX ; an account XXXX. I have recently made a complaint ( complaint XXXX ) that was responded to ; however the response at XXXX point said " we weren't able to successfully validate the tax return document you uploaded in order to verify the legitimacy of the deposit. This could mean it was altered, expired, missing information, or doesn't match your Venmo Account. However I was never asked to send in any documents regarding my tax refund amount or authenticity of my return. So how can you just LIE an say that?? I have all the proof you need to show my tax return amount, as well as my proof of identity. 


the response also said my funds would be released after 180 days ( 6 months ). This is too long of a wait to not have my funds, as I have to pay rent, child support, my phone bill, ect... I understand they have a policy, but this is just holding my funds for no reason other than to hold them. I've seen numerous reports online about " venmo '' sending XXXX automated responses to people an then holding their funds. It should not have to take 180 days to realize if funds were fraudulent or not, let alone to return them to a consumer who is verified on your platform. I NEED my money sooner than 180 days, I am going through financial hardship an I cant afford court. 

I ATTACHED screenshots of our conversations an not once was I asked to provide a tax document to verify the legitimacy of my deposit... I also attached a screenshot of my tax return status off the irs website " wheres my refund '' So whats the excuse now, other than holding my money.
Consumer complaint received 2023-12-04
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. (MN)

The following XXXX XXXX credit card account : XXXX currently listed on my Experian and XXXX credit report is a lost/stolen credit card account and card. My XXXX credit card is lost/stolen.
Consumer complaint received 2023-08-31
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 (MN)

The relevant time period is XXXX, XXXX, XXXXThe total amount involved is {$290.00}, all of which consists of Earned Loyalty Cash Visa Rewards, which were systematically removed from my Visa account on the basis that these earned rewards were subject to arbitrary expiration despite the extraordinary, unprecedented circumstances of Covid pandemic. We requested immediate action by U.S. Bank Cardmember Service to restore our loyalty rewards. During the period in question, travel was highly restricted by governments, that is, XXXX and XXXX. These circumstances, which were truly extenuating, were particularly problematic for my wife and myself as we spend much of our time in XXXX and we were especially vulnerable to XXXX owing to our XXXX XXXX, well into our XXXX. Under these circumstances, it was only natural and reasonable for us to be distracted by the lethal unfolding events of the unprecedented pandemic rather than focusing on arbitrary expiration dates of our earned loyalty rewards. To date Cardmember Service of U. S. Bank has rejected our request for reinstatement of our earned cash rewards on the basis that " ... this is not an option for this account ''.