davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

From XXXX to XX/XX/22 I have been in the market for a vehicle to be financed for the first time. I was not aware nor did I authorize the amount of inquiries on my credit report. I have over XXXX hard inquiries on my report which is just not attractive to lenders at all. I can recall only about XXXX dealerships Ive been too that I authorized one pull off my credit anything more I did not approve of. Under the the fair credit act nothing can be added or reports to my credit profile I have the power of that stated in 15 U.F.C 1681 A and B
Consumer complaint received 2022-12-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

XXXX part of my divorce in 2008, a {$50000.00} dollars check was deposit at checking account at XXXX, and the bank made a mistake and deposit {$5000.00} instead. Even with the proof of the deposit where it said the amount was {$50000.00} it was an extremely difficult process to fix their error and took close to 10 days with me having to go to the bank multiple times and repeating my story to many different people. It was very stressful, and they never apologized for their mistake.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (MD)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MA)

I was the victim of fraud and disputed several transactions with Cash App on XX/XX/XXXX. I have tried on countless occasions to communicate with the support team. After I initiated the disputes and went through the investigations process, I was sent an email letting me know that the disputes were resolved in my favor but access to my cash app account was restricted/deleted and cash app kept the funds that were supposed to come back to me. 

On XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. 

On XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. 

XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. 

XX/XX/XXXX at XXXX XXXX - {$100.00} withdrawal. 

On XX/XX/XXXX I got email from support letting me know they resolved the disputes in my favor. Email : XXXX XXXX, Your Cash Card dispute claim ( s ) was resolved in your favor and is now complete. A credit has been applied to your Cash App balance and is ready to use. 

We appreciate your patience throughout the dispute process. 

Cash App Support ref XXXX XXXXXXXX : ref I responded to that email immediately letting them know I could not access the account and after many many emails and I was never able to gain re entry to my account and my funds.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MD)

On XX/XX/XXXX of 2022 two checks coming from XXXX title and escrow were cashed by Goldman Sachs. One of them had been sent to the wrong address and was canceled by the XXXX title and escrow bank and the other one was free to be cleared. Somehow Goldman Sachs got a hold of both checks and cashed it on XX/XX/XXXX of 2022. After the checks cleared, I called Goldman Sachs and asked if the positive balance left on the account after the payment could be used and I was advised that it could be used and I went ahead and used the balance. On XX/XX/2022 my account had been deducted both checks, when I called, I was advised that something went wrong with the checks and that it had been sent back to the XXXXXXXX XXXX XXXX XXXX XXXX to this day XXXX XXXX XXXX XXXX have not received the refund. I have asked for proof from Goldman Sachs that the funds had been returned. I have spent countless amount of hours on the phone with Goldman Sachs racing disputes and complaints. That just circle back to nothing. I keep getting the same email about the money being returned by the title bank on XX/XX/XXXX. I have been calling Goldman Sachs almost every day for the past two months and nothing is resolved I get told that its been sent back and then Im told that theyre not sending anything back because the checks had no funds but if the checks had no funds how could they have sent something back. XXXXXXXX XXXX XXXX XXXX representative. XXXX called with me to Goldman Sachs asking for proof that a payment was issued as refund and a representative on XX/XX/XXXX of 2022. advised that there was an error on their part and that even though they said a refund was sent there was no proof because nothing was sent and they were gon na issue a check immediately but nothing was sent. These are calls that Goldman Sachs has recorded and they can check. I have been going back-and-forth with them for two months everyone tells me something different. They are stealing my money, and I have a huge balance on the account collecting interest. It is a violation as they are trying to collect a debt they were already paid as well as they arent letting me fulfill my contract with the title company by crediting my account. I have spoken with Goldman Sachs and the bank that issue the checks and XXXX XXXX  they have provided me proof of cashed checks as well as checked their account for XX/XX/XXXX there is no return of money. I asked that Goldman Sachs does the same and shows proof that the money was returned and how it was returned because if it was returned with a check, then there is paper trail, as well as the ability to re-issue a check that was never cashed by XXXX XXXX, because they never received it.
Consumer complaint received 2022-12-20
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: BARCLAYS BANK DELAWARE (NC)

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX  - CARD SERVICE XXXX XXXX XXXX C
BARCLAYS BANK DELAWA

FCRA Violation: hard enquiries not mine XXXX  CREDIT

FCRA Violation: addresses and name not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX TX XXXX  
FCRA Violation: auto loan never late
XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX  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 2024-03-26
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EASTERN BANKSHARES INC (MA)

On XX/XX/2022, I mailed a personal check for {$490.00} from my account with Eastern Bank to pay my credit card bill, using the window envelope provided with my monthly billing statement, along with the detachable payment coupon for my bill. I sent it to my credit card company 's post office box, designated for mail-in payments. This was a full/timely payment of my monthly bill. On XX/XX/2022, my credit card company informed me that my payment was never received and that I should expect late fees to be applied. I immediately confirmed with Eastern Bank that my payment was negotiated and my bank provided me with a front and back copy of the cashed check. The back of the check shows a scanned endorsement for a deposit into a business account with XXXX for another entity, and expressly references my entire credit card number. I asked Eastern Bank-as well as my credit card company-to conduct a thorough investigation concerning my misapplied/misappropriated payment. On XX/XX/XXXX, the credit card company sent me a letter denying receipt of the funds and informing me that the temporary credit related to this dispute is now reversed, interest charges are now being assessed, and I must contact my bank for assistance in learning what happened to my funds as no further investigation will be made. Upon receipt of this letter I contacted Eastern Bank, which initially refused to initiate any investigation on my behalf because I was not the payee of the stolen/misapplied check. Instead, I was instructed to contact XXXX to determine what happened to my funds. However, because I not an account holder with XXXX, XXXX ( quite understandably ) refused to disclose any account information to me. I then contacted Eastern Bank again and asked that they conduct an investigation on my behalf. The company agreed but only if I completed a notarized Affidavit of Forged or Missing Payee 's Endorsement ( as the named payee ). I immediately went to the bank 's local branch that same day and completed the affidavit as required. I subsequently learned today that no investigation has been initiated and I have been unable to find out what has happened to my stolen/misappropriated funds.
Consumer complaint received 2023-09-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC (AR)

Well, for one XXXX XXXX never try settle they sold the debt to McDaniel and Lyle firm out of ky I was not give a court date so of course the judge sign off I dont know you fight which XXXX XXXX or law firm never proof it was my debt of course never even try to settle it so now they garshment of my wages it almost paid off I just want XXXXXXXX XXXX or McDaniel law firm give credit for payment received
Consumer complaint received 2022-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (VA)

RMP SERVICES LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) has been FRAUDULENTLY reporting on my credit report and I have sent them correspondence about it. They are just reporting unlawfully without bonafide proof. I have no agreements or contracts with these companies.
Consumer complaint received 2023-01-25
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: Resurgent Capital Services L.P. (NY)

Reported identity theft for this account, they told me I wasn't liable to pay it. then they took the collection off of my credit report only to put it back on there a month later.
Consumer complaint received 2023-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KY)

On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX  ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. 
Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : 3 XXXX XXXX tickets Payment ID : XXXX After the payment went through XXXX  asked for a screenshot of the transaction which we sent to her. Further XXXX  noted that her partner would verify that he received the payment and she would transfer the 3 tickets to my XXXX account. XXXX  then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. 

XXXX  portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to XXXX  at https : //www.zellepay.com/support/report-scam including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-06-16
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. (IL)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accountsXXXXXXXX XXXX XXXXXXXX XXXX Account numberXXXX. XXXX XXXX XXXX Account numberXXXX XXXX. XXXX XXXX XXXX Account numberXXXX XXXX. XXXX XXXX XXXX Account numberXXXX. XXXX. XXXX XXXX XXXX Account numberXXXX. XXXX. XXXX XXXX XXXX Account numberXXXX 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CO)

Hello, My name is XXXX XXXX I am a HUD Certified counselor and helping XXXX XXXX with his mortgage loan. We applied for Mortgage assistance through The State Of Colorado and did receive it back on XX/XX/2022. USBank processed the check on XX/XX/2022 for the amount of {>= $1,000,000} which should have been applied to my loan and in this case pay it off so we thought. They instead applied it to fees according to my XXXX statement nothing was applied to the balance. I have been trying to get them to speak with me and sent in several 3rd party authorizations and they needed me to add a PIN and my company 's tax ID number which have done and just resubmitted it. I am asking you to step in and see if we can get some kind of resolution to this issue. They say he has a payment amount of {$400.00} and something but there is not payment amount on this statement or even when it is due by. XXXX XXXX is XXXX XXXX XXXX XXXX and he does not understand this. He rarely recalls even getting the loan but we do have loan docs showing where and when he got the loan.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

To Whom it May Concern, My name is XXXX XXXX, and I am writing to file a complaint regarding the treatment of my account with SPS Mortgage company. 

I was offered the repayment plan for my mortgage starting in XXXX of 2022. I called the company and asked to set up automatic payments, to ensure my payments were received on time. A representative of SPS told me that they were only able to set up automatic payments three months at a time, meaning the money would be withdrawn from my account in XXXX, XXXX, and XXXX. I agreed to this and gave my information to set up automatic payments, anticipating that my payments for those three months would be taken care of. 

In XXXX, I noticed that SPS had not withdrawn any money from my bank account. I called SPS to address this, and was told by the representative that I did not set up automatic payments, even though SPS had automatically withdrawn money from my account in XXXX and XXXX. The representative then suggested that I could set up the automatic payments again, to cover charges for XXXX, XXXX, and XXXX. I agreed to set up automatic payments again, hoping that the issue would be resolved after speaking to the representative. 

Recently, I have received concerning letters from SPS dated XXXX XXXX claiming that my repayment plan was canceled due to payment delinquency. This claim is false, as I had ensured my payments would be on time by setting up automatic payments with SPS representatives. Simultaneously, SPS has still automatically withdrawn money from my account for the month of XXXX. { XX/XX/2022 ] At this point, the lack of competence and harassment from SPS is causing an outstanding amount of stress, and I will be pursuing further action if this issue is not resolved in a timely manner. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-20
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. (GA)

Transunion and XXXX has allowed XXXX XXXX XXXX report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. XXXX XXXX XXXX does not own this account and there it should be removed from my credit file immediately. Please have XXXX XXXX XXXX provide proof of ownership and I would like to see proof of ownership as well.
Consumer complaint received 2022-12-20
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. (NC)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I am filing a complaint in reference to number XXXX. I was recently denied a credit card from American Express and know that I was discriminated against and that their decision was based off of information retained from my credit report which is filled with inaccurate and false accounts that I have been disputing with the credit reporting agencies. There were multiple violations of my consumer rights that they are liable for not only civil but also criminal. Attached is a letter I have prepared stating the violations from XXXX, XXXX, etc. XXXX wrote these laws to help and protect consumers such as myself. I spoke with 2 representatives one by the name of XXXX XXXX XXXX number XXXX who was very rude and talked aggressively telling me I was wasting my time and XXXX XXXX XXXX number XXXX who was trying to assist me the best she could. My experience with XXXX was horrible and no customer should be talked to that way EVER. I have also submitted a complaint to the Attorney XXXX and the Federal Trade Commission. My concerns continue to be ignored and I havent heard anything back from American Express even after sending an email to corporate.