davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (TX)

I submitted a complaint against Goldman Sachs on or about XX/XX/2024 related to their inability to use a current copy of my credit report for a credit limit increase. A representative contacted me from the bank and was supposed to follow up with me a week later. They never called me back. In Goldman Sachs response to me, they indicate that XXXX XXXX has a freeze on my credit report, and this is preventing them from pulling a current copy of my credit report. I contacted XXXX XXXX and was informed there is no freeze on my credit report. So this issue is apparently related to Goldman Sachs. Yet, they refuse to work with me to fix this issue. 

My issue is the bank is using a credit report that is over 10 months old to review a request to increase my credit limit. 

This was their response to me. 

Goldman Sachs Bank USA ( the Bank ) received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau XXXX CFPB ) Complaint Portal on XX/XX/2024. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX ( the Customer ) related to a credit limit increase request. The Bank conducted an investigation and confirmed no error occurred. According to the Banks records, the Customer applied for a credit limit increase on XX/XX/2024. The Bank carefully reviewed the Customers Apple Card account history and any new credit bureau information received as part of servicing the account. The Bank was unable to approve the Customers credit limit increase request. Consequently, and in adherence with applicable law, the Bank sent the Customer an email on XX/XX/2024, detailing the reasons why the Bank could not approve the request. The Bank confirmed there is a suppression on the Customers credit report on the side of the Credit reporting agency. The Bank used the last available data when making the decision for the Customers credit limit increase request. The Customer should contact the credit reporting agencies directly for further information related to the credit information being suppressed. Based on the above details, the Bank kindly requests for this complaint to be closed.
Consumer complaint received 2023-02-02
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. (LA)

I'm writing this CFPB Complaint in accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of the contested accounts is provided below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

It has been multiple time I would receive a refund or funds to my account but I would not get it or it would say it was pending and the other company would tell me my funds had been refunded and released and Wells Fargo would hold and I never saw them but it looks as if it was returned. Ive addressed this but with no avail just a sideways explanation that it was returned in my account when I know that it may have looked that way but I never actually recieved the funds
Consumer complaint received 2023-02-02
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. (GA)

My only name is XXXX XXXX My only address is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX My only employer is XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Consumer complaint received 2024-04-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (AL)

My account was transferred to Fay servicing in XX/XX/XXXX. My first payment to them was for XX/XX/XXXX which I made through their automated phone system on XX/XX/XXXX. The payment didnt go through so I called a representative and paid that payment around XX/XX/XXXX. From there forward I called every payment in over the phone. The problem at first was that they said my first payment to them was returned. But This is how I found out there was a problem. I got a letter from Fay servicing stating that My payment {$1000.00} changed to {$1300.00} because of an escrow shortage. And it would start XX/XX/XXXX. When I called to make the payment the representative told me that I owed {$1000.00} for XX/XX/XXXX. I told them that I had not missed a payment. They would not take my XX/XX/XXXX payment. I made several calls since then. I have been told everything from my payments were posted to XX/XX/XXXX, two payments were posted to XXXX, and several times I was told that a supervisor would call me within 24hrs which never happened. I was also told that I would be sent a statement showing all payments to them which never happened. Yesterday a representative told me that they had a letter from the previous servicing company saying that I was delinquent. Then she said that she was going to request records from XXXX. This appears to me to be a stalling technique. It appears that they are trying to force me to pay an extra payment which I dont have or even force me into foreclosure. Ive been in a bankruptcy which was discharged on XX/XX/XXXX and I have never missed a payment. I am a XXXX XXXX retired XXXX veteran and I would appreciate any help that you can provide.
Consumer complaint received 2018-09-24
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: EQUIFAX, INC. (AZ)

My XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX # : XXXX is lost/stolen, and all the transactions on the account is fraudulent and unauthorized transactions. I have never used my XXXX XXXX.
Consumer complaint received 2024-09-20
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. (ID)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (SC)

In accordance with Fair Credit Reporting Act. Credit Coll account # XXXX has violated my rights. 15 U.S.C.1681 section 602 A states I have the right to privacy. 15U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an Amex gift card as a holiday gift from the XXXX at the school I XXXX at. I've tried the card a few times at several different websites including XXXX and XXXX  with almost no success. 4 out of 6 possible purchases have been declined are listed on the amex website which I pasted below, but many more were declined and are not listed. I'm not sure why but I'm putting a screen shot below. Sometimes the payment goes through and then is rejected later. Here are the times that Amex says the card declined despite me supplying all the information requested from the online stores : XX/XX/23, XXXXXXXX XXXX Declined - Missing security code - XXXX XXXX XXXX XXXX XXXXXXXX, IL {$34.00} XX/XX/23, XXXXXXXX XXXX  Declined - Missing security code - XXXX XXXX XXXX XXXX XXXXXXXX, IL {$25.00} XX/XX/23, XXXXXXXX XXXX  Declined - Missing security code - XXXX XXXX - XXXX - XXXX, WA {$300.00} XX/XX/23XXXX XXXX XXXX Declined - Missing security code - XXXX XXXX - XXXX - XXXX, WA If your credit cards works less than 25 % of the time, it's incredibly frustrating and broken. It's even more frustrating trying to get customer service ( from amex and from the stores ) to help me use it.
Consumer complaint received 2019-07-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I am submitting a complaint as a last resort. I have tried to work with each bureau for over the last XXXX years fixing errors on my report with no success. During that timeframe I've paid higher interest rates, higher insurance rates, been denied for credit cards and apartments that i would have otherwise qualified for. They have ignored my request to provide me with the documents that their company has on file that was used to verify information on my accounts such as XXXX, XXXX XXXX, and payment status on my student loans. All three bureaus are reporting said accounts differently and we all know that's not possible. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .promptly delete all information which can not be verified. " that I have disputed multiple times. Please help resolve this problem as soon as possible. Kindly.
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MD)

XXXX of last year I was in a rough spot and couldnt pay my car insurance. It got sent to collections XXXX XXXX XXXX and I never noticed until I tried getting insurance again and it said I need to pay that to be insured with the,. But I would be able to pay it if it can get split up into payments its just the whole XXXX that I owe I just want a more flexible way to pay it
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NY)

I am refiling this complaint to JEFFERSON CAPITAL SYST for still allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (TX)

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX XXXX : {$9200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$71.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX GA XXXX XXXX Balance : {$290.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX GA XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MI)

I Contacted Comentiy XXXX XXXX on several occasions regarding an account that had went delinquent XX/XX/2020. I explained to XXXX XXXX why my payment was late. The last time was by mail I explained that I had to do an emergency move from my apartment due to high levels of mold inside and outside of the unit and had to stay in hotel for a month. XXXX XXXX rejected me and I never had an late payment prior to XX/XX/2020. I asked them to take in consideration that we were going through the pandemic on top of me having to find housing fast. Im still out of a place to stay because of the negative inquiry on my credit report. All payments are current at this time
Consumer complaint received 2023-01-11
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. (NV)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. I need the accounts below corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (IL)

Ive tried reaching out to the company multiple times in the last XXXX months regarding an issue with verification. The company has not responded to any of my emails or does not have any contact message available for their customers. 

Ive reached out via email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2022.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (MA)

I have XXXX which I get XXXX my first credit one was my first XXXX XXXX  card .I was young at the time didnt even know how to use one .but wasnt working and only had my XXXX check which Im still on to this year. I need forgiveness and its been a few years I feel like I deserve another chance to better be credit.
Consumer complaint received 2023-05-13
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. (SC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX XXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DPT ED/XXXX XXXX Balance : {$0.00} - XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2017-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I received a " Settlement Opportunity '' letter from " Credit Collection Services '' for a debt of {$480.00} from  XXXX   XXXX , offering to " Settle your past-due account at a discount ''. My account is up to date with  XXXX  and I do not owe any money.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (CA)

I did not provide written instructions or written permission to Equifax or any other credit reporting agency to report any listed transactions with XXXX XXXX XXXX XXXX nor are any of the transactions associated with XXXX XXXX XXXXXXXX XXXX related to any transactions completed by me. XX/XX/XXXX, XXXX contact made by consumer to Equifax regarding identity theft and the fraudulent reporting of account XXXX XXXX XXXX XXXX XXXX and provided FTC Identity Theft Report Number XXXX XXXX XXXXXX/XX/XXXX, XXXX Equifax failed to conduct a proper investigation, but merely updated the erroneous item, without verifiability and validity, nor proper communication with the consumer.