davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (MO)

This company Apire Credit Card closed my account and told me they closed it due to payment return history but I am disputting there claim because they violated my rights an also took my money and ruined my credit. This company put my account on hold because of I told them dispute unauthorized charges from XXXX XXXX XXXX and they charge me over {$1000.00} and every since that problem my card was closed but before then I had and availbe credit of {$290.00} but not they say i owe then {$290.00} and my account closed. The proof is in the statments i uploaded
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (IL)

I received a card from my tax preparer. My federal and state taxes loads to this card every year. this isn't a card I use regularly and I almost always keep money on this card. I have been a victim of credit card fraud. As soon as I found out I notified the company immediately. I got a police report, i also did my own investigation and went around to local retailors and i was able to look at and record over footage from one of the stores in question. the video shows an unknown male swiping my card providing no id at all. I did not authorize nor do I know who this is. The card company is giving me a hard time and just after less than a week denied my claim. The card was stolen.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I called to close my credit card account with Bank of America on XX/XX/, shortly after my annual fee was billed. I was advised that the annual fee would be credited back as I was closing the account and that I would not have to pay it. I subsequently received a credit card statement indicating that the annual fee was never credited and that I was 2 payments late. Bank would not waive the annual fee and has asked that I pay the past due amount only to have it refunded at a later date. It makes no sense that I should have to come out of pocket to resolve a bank 's error. Furthermore, my credit score should not be negatively impacted by the bank 's error. The amount of red tape to try and resolve this issue is immense. This feels like the bank is taking advantage of a small consumer simply because they can. Please help.
Consumer complaint received 2024-03-22
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. (VA)

I am disputing the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2018-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

I noticed there was a negative listing on my XXXX XXXX credit report Portfolio Recovery showing a XXXX XXXX as creditor. I do not have a XXXX XXXX account. So I wrote a letter on XX/XX/2018 requesting validation of debt. What the money was owed for ; Explain and show me how the debt was calculated ; Provide copies of any papers I signed agreeing to pay what they said I owed ; Identify the original creditor ; show me they were licensed to collect in my state ; and provides me with their license numbers and Register Agent. I received a form letter dated XX/XX/2018 and a credit card bill from XXXX XXXX. I do not know when or what was purchased or who did the purchase from the information I received.
Consumer complaint received 2023-12-15
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 (CA)

On XX/XX/23, I placed an order for a new XXXX, with a total cost of {$1500.00} using my Goldman Sachs Apple credit card on file. The order was placed via Apple 's official website and was processed for installment payments. The delivery was scheduled for an unknown TBD date in the future- as is often the case upon the early release of new XXXX 

I require signatures for delivery of high value items such as the XXXX, however, I was only notified of the delivery AFTER the courier company ostensibly performed the delivery. I was NOT at my residence, an open-air apartment building, at the time of the supposed delivery. 

I received an email notification from the courier stating that the package had been successfully delivered to my address. To my shock and dismay, I never authorized such a delivery, nor did I receive photographic evidence ( or any other form of evidence ) to substantiate the claim that the parcel was in fact delivered. 

Upon arrival at my apartment residence to retrieve the parcel, there was no proof of delivery at my doorstep or in my mailbox. I immediately contacted Apple and filed a complaint regarding the missing delivery.

I have also reported the incident to the local police department, and a copy of the police report has been submitted to Goldman Sachs and Apple.

At this juncture, I have been abundantly patient, but am now eager to resolve this situation as swiftly as possible currently, this process has been dragging on for months. And it has become increasingly obvious that other consumers such as me are being left in a never-ending loop. 

There are seemingly few protections in place to guard injured consumers in this situation. As such, I am alerting other consumer protection agencies to bring attention to this unjust situation. 

Unfortunately, as a consumer, it appears there may be a direct conflict of interest between the Apple Card userbase experiencing such concerns and the financial entanglements between Goldman Sachs and Apple.
Consumer complaint received 2023-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (LA)

My Attorney has filed Suit XXXX against Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XX/XX/2023. 

In addition multiple state and/or federal regulatory agencies has/have being alerted of SLS 's servicing practices including : Federal Trade Commission Division of Credit Practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Case Number : XXXX Account Name : XXXX XXXX XXXX  Case Number : XXXX Account Name : XXXX XXXX XXXX  Case Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

5th Attempt pls correct my address THIS IS THE ONLY CORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX  Texas XXXX Please delete all other addresses I have sent certified letters 4 times and made a complaint with XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

in accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-10-28
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2018 a charge for {$680.00} posted to my account from XXXX XXXX XXXX. The amount was for an estimate I received for work. I have used this vendor in the past, so my CC information was available to them and they billed me in advance without my permission. When the actual work was completed I paid XXXX grounds with a money order. A copy of which I provided to the credit card company at their request but I still do not understand how that was germane to my complaint. When I noticed the charge on my account, I contacted XXXX and requested a refund. XXXX refused my request and offered a credit towards future work. I declined as I did not want to utilize them again since they took liberties to bill my credit card without my permission. I called my credit card company and reported the fraudulent charge. I reported that I did not authorize the charge. My credit card has a chip embedded and the charge was not process by the chip, the magnetic swipe nor does the merchant have a signature on file verifying I authorized the transaction. I have made numerous attempts with my credit card company to have this fraudulent charge removed from my account without success
Consumer complaint received 2018-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have disputed inaccurate items on my credit report dating back to XX/XX/2018. XXXX and XXXX has repeatedly refused to delete the inaccurate items on my credit report in addition they have yet to send my results of the disputes. The 1st dispute was XX/XX/2018, The 2nd was XX/XX/2018, The 3rd was XX/XX/2018 and the most recent was XX/XX/2018. Every dispute was mailed by certified mail, but yet XXXX and XXXX   has not deleted or mailed by results to me. XXXX  and XXXX has gone over the allotted day for a dispute, which is 30 days. they have broken the law mandated by the ( FCRA ).
Consumer complaint received 2018-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Sometime between XX/XX/XXXX and XX/XX/XXXX I had a issue with receiving my mail and ultimately missed a payment and contacted Kohl 's Credit to address the issue. In an effort to avoid late payments, I switched my account to paperless and set up electronic notifications which I don't receive ( throwing my hands up ). Of recent, on XX/XX/XXXX to be exact, I had sought an interest in purchasing a home only to find out that the late payment/dispute is still showing on my credit reports and affecting my credit score. On, XX/XX/XXXX, I phoned Kohl 's only to be informed that the resolution letter was sent back in XX/XX/XXXX, however, I have never received that letter, This is why I changed my account to paperless billing for the same reason and requested the original XX/XX/XXXX dispute. I asked if I could get a copy of that letter and was told that I could not receive a email copy and its only paper mail. I again challenged that information in asking that the late payment /dispute be removed and was told that the case would be re-opened and I would receive a letter from Kohl 's regarding my current request to investigate the old dispute of XX/XX/XXXX. The insane part is that I was actually told that it would be removed. Since XX/XX/XXXX and only a few days after, Kohl 's increased my credit limit from {$700.00} to {$1500.00}. It is apparent that they must find me a loyal customer and that I pay my account timely. More importantly, my home approval letter is on hold pending Kohl final resolution. Thank you
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

enclose is a copy of the letter i received from the United States Bankruptcy Court in which i have to tried to get this error remove from my credit report and they are informing me it was verified which this is a error on my credit report i would like to have this item remove from credit report my i was never provide any proof of this being mines
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

Due to a software upgrade Truist has restricted my checking and savings for at least 2 weeks. I have had this account for 18 years. I have been to a local branch and called customer support. Due to this I am not able to access funds to pay my mortgage, car, health insurance premiums or dental insurance premium.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I sent certified mail to dept of XXXX  about all the fcra laws that they have violated. It was a notice of cease and desist. They did not properly investigate the matter. They falsely claimed that they did not violate my fcra rights. They have these accounts attached to an address with my legal name but incorrect address meaning they should should contact the grantor which are the cras and delete these accounts off my credit report. They are furnishing private information publicly to a 3rd party which is illegal. This is infringement and a violation of my privacy rights. On XX/XX/XXXX XXXX said they are furnishing info on behalf of the department of ed which I have NEVER agreed nor signed an waivers or contracts with and to proof it they sent me documentation asking me to update information because they dont have any in their system. They are trying to set me up.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I submitted a complaint to the occ it had been said by XXXX XXXX XXXX now XXXX XXXX that a faculty member tried to open a credit card with cap one using my information years later I wasn't immediately notified and the police wasn't called to my knowledge I was given a letter by a department store card Neiman Marcus that a payment had been made however cap one was deceptive to the cfpb by not indicating what the limit was ( credit limit ) and how much charged off {$30.00} said by an in law over and over again the account had been paid in full and reported to the credit bureaus all three as a charge off and bankruptcy I forgot I went to the store to pay the bill in cash {$360.00} and the credit department said it had been paid. I truedcto get a sba Loan by a lady named XXXX before covid and cap oneblockedcthat loan I llc say blessing however cap one is retaliatory and XXXX XXXX XXXX loans brought back up why? Please note numerous complaints. I receive letters someone other than myself riling complaints who? And who is this person filing compkaintscwlusing my name.
Consumer complaint received 2023-06-23
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. (AZ)

in accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: OneMain Finance Corporation (CA)

I recently surrendered a vehicle that I had re-financed with One Main Financial because it was falling apart. The repairs needed to make the car functional, which was going to eventually include a new engine, was more than the actual value of the car. I had re-financed with them to get a better rate, and had paid them $ XXXX over the XXXX years since I did the original re-fi. The car was never worth as much as the re-fi was for ( about XXXX ), but I needed a car, and I am not a mechanic, but I had a few places that I could go to for help that didn't overcharge me, so until the car REALLY started breaking down, at least I was breaking even ( in retrospect ). 

So late last year, I started getting offers from One Main Financial to re-fi, again, to an even lower rate, with subsequent lower payments. Never XXXX to turn down a lower payment, I went for it. Only this time, every time I turned around, there was XXXX issue after another. A XXXX ton of miscommunication ( I would be told different things by different people ) followed by several extra payments, followed by having to call corporate. Then on top of everything else, my car got broken into, which my insurance didn't cover, and I got slammed out of pocket for that, As well as the burgeoning engine problems. It got both ugly AND expensive. 

When I went to surrender the vehicle, One Main Financial made the process EXTREMELY difficult. They tried not to take the car back ( wouldn't give me information on how to surrender the vehicle, got REALLY nasty with me over the phone, refused to talk about ANYTHING other than me continuing to make payments, etc ), then when they finally made an appointment for me to surrender the vehicle, were absolutely rude when I came into the office. 

So my current quandy is this : They sat on the car for XXXX months before they sold it at auction. The car was only worth {$5500.00}, which is what they sold it for. Now they are demanding $ XXXX for the difference in what I owe them on the re-fi. They already have $ XXXX of my money + {$5500.00} that they sold it for on a car that was only worth {$5500.00} to begin with. 

I received the attached letter in the mail earlier this month, informing me of what I still owe them, and telling me to contact them. If you look at the letter, there is NO contact information. I feel that this is a setup to sue me in court to obtain a wage garnishment.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My identity was stolen on XXXX XXXX  when someone used my social security number to attempt to fraudulently open a credit card account. This resulted in a hard inquiry on my credit report. I filed a police report when I learned that my identity was stolen, contacted the bank where the account was fraudulently applied for, and contacted TransUnion to have the hard inquiry removed and alert them of the fraud. TransUnion told me I would receive a letter in 7-10 days detailing the report and has refused to send me a letter or any documentation regarding this issue. I have contacted them since and they did not seem to understand I already reported this issue and offered to repeat the process that did not work before.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

started a dispute with Equifax on XX/XX/2018. Report was finished on XX/XX/2018. Dispute Confirmation number is XXXX. I could not access the report by email or online. Equifax could not mail to my current address at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. So Equifax sent to my old address which is XXXX XXXX XXXX XXXX Texas XXXX. My mail is forwarded. I still have not received the report.