davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

Saturday XX/XX/XXXX I learned by account Goodman Sachs - Apple Card had been restricted. It was because their systems had flagged it because of an open bankruptcy case. I and the co-onwer do not have any open bankruptcy case. My automatic payment schedule for Sunday XX/XX/XXXX was canceled. 

Tuesday XX/XX/XXXX I received a call from Goldman Sachs and was told the review would take about 15 - 20 days when before I was told it would take 10 days. At this point I told the representative that I wanted to pay off the full balance on the account and close it. The representative said that could not be done while the account was being reviewed. 

Monday XX/XX/XXXX the co-owner on the account received an alert of a collection account being added to his credit report from XXXX. According to XXXX the collect account was added XX/XX/XXXX. I contacted Goldman Sachs about this and they said there was nothing that could be done until the review was complete and the representative said it should be done by XX/XX/XXXX. Again I said I wanted to payoff and close the account and was told I could not.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (AR)

I been disputing XXXX XXXX since XX/XX/XXXX, XX/XX/XXXX, lastly XX/XX/XXXX I have ask them to to please verify and the information came back verified I have ask them to investigate every detail and it came back verified. How can the investigation of the bureau be accurate when I see a ton of inaccurate information. The consumer agenices HAS VIOLATED MY CONSUMER RIGHTS UNDER THE FCRA.

15usc1681b permissible purposes of reports. ( 2 ) in accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency did not get my consent to be furnishing this embarrassing alleged debt. They have no respect for my privacy 15usc 1681 ( a ) ( 4 ) 15 u.s.c. 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES Duty of FURNISHERS of information to provide accurate information ( a ) prohibition-reporting information with actual knowledge of errors -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. 
Than after I ask the consumer agenices to investigate the report they verified as accurate and update the actual payment which was $ XXXX Historical account history which is inaccurate making the day of first delinquency inaccurate in the remark they didn't didn't put consumer is disputing this account on the account history XX/XX/XXXX is missing, their no credit limit, no high credit, date of last activity is incomplete. 
15u.s.c 1681a ( e ) the term " investigative consumer report " means a consumer report portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. Consumer agenices failed to do so. With all this inaccuracies on my report after a investigation consumer agenices to assure maximum accuracy I counted 13 on this account 15usc1681e Compliance procedures whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2018. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (TN)

I applied for an Apple credit card through Goldman Sachs Bank USA on XX/XX/2021, and my application was denied. I was discouraged and discriminated against through their application process. Their institution did it against my will. I do not agree with their decision.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-23
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-08
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XXXX/XXXX/2015, I purchased an item from XXXX. The seller was located in XXXX and offered free shipping ( see attached ). This free shipping and the entire transaction was based on false and misleading advertising. The seller knew that the item, even though advertised ( see attached ) to fit the style ( XXXX XXXX XXXX ) of my vehicle, did not fit and an unsuspecting buyer would be forced to send it back to XXXX and eventually end up paying for shipping. 

The item is too long for the trunk of my XXXX MB. When I contacted the seller, " XXXX '' stated that I should return the item but she was unable to provide a prepaid return label from XXXX. Although she mailed the item via XXXX ( # XXXX ), the seller also stated that " there is no local shipping address within United States, that 's why we ca n't offer pre-paid service due to we are not located in USA '' ( see attached ). If the seller is not operationally equipped to handle returns, then they have no business selling to customers located in the United States. This is a scam! 

On XXXX/XXXX/2015, the fee in the amount of {$49.00} was charged to my Capital One account ending in XXXX. I filed a dispute which was denied by my bank due to seller XXXX 's statement that the item did in fact fit my vehicle. Although, in previous messages from XXXX she stated that she understood my concerns and will gladly refund my money once I return the item with shipping charges paid by me. On XXXX/XXXX/2015, {$49.00} was rebilled to my account ( see attached ) for item number XXXX.
Consumer complaint received 2022-05-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (LA)

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. DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-11-15
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Erroneous and Inaccurate Information on my Credit Report XXXX XXXX ( Last 4 digits of SSN : XXXX ) Dear Sir or Madam This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) clearly states that the federal Law requires you to provide a verifiable proof for the alleged items,, specifically the contract, note or other instrument bearing my signature and showing my association to the Fraudulent Account and Inquiry listed below. 

I do not recall giving authorization nor signing any documents to give access to my credit history, therefore the account and inquiry below are fraudulent and violate my rights Title 15, Chapter 41, Subchapter III, 1681b ( c ) ( 1 ) ( A ) of the US Code : Transactions Not Initiated by Consumer. 

The Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( A ) ( i ) state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT account listed below. 

FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Collection {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account number : XXXX Collection {$1400.00} I have contacted your organization previously to remove invalid and inaccurate information that does not belong to me and to put my file on fraud alert. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions. The FCRA Section 616 & Section 617 for your failure to comply with the Federal Law Moreover, I intend to enforce my right under the FCRA nad to pursue rightful litigation in this matter should you fail to comply. 

I have enclosed here copies of my Driver License and Social Security Card, as well as significant excerpts from the applicable FCRA Sections for your reference and perusal. 

Furthermore, I urge for the removal of inaccurate addresses showing on my credit file. The only address that i have lived in is XXXX XXXX XXXX XXXX PA XXXX and it should be the only address reflecting on my credit file. 

I look forward to receiving a corrected copy of my credit report with the above-mentioned invalid and inaccurate information already deleted. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Last 4 digits of SSN : XXXX DOB XX/XX/1994
Consumer complaint received 2021-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : CAPITAL ONE BANK USA N XXXX Date Opened : XX/XX/2016 Balance {$6300.00}
Consumer complaint received 2024-02-15
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. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Please see attached docs for ID theft info and FTC papers for my id theft and remove the affected accounts thx. 
FILES ATTACHED : 1. FTC ID THEFT REPORT 2. FCRA 605B 3. AFFIDAVIT OF ACCOUNTS THAT ARE FRAUD EACH BUREAU ( EXPIERIAN, XXXX XXXX XXXX ) 4. POLICE REPORT 5. ID PROOF
Consumer complaint received 2022-05-20
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: SYNCHRONY FINANCIAL (TX)

I currently have an account with Synchrony XXXXXXXX XXXX XXXX. Last summer, I had to return a couch that was under warranty with them due to manufacturer defects. The replacement item cost more than the item they originally sold me as prices had gone up due to " inflation '' they said. As a result, the company increased my credit limit for one day to allow the purchase of the replacement couch to go through. They then immediately reduced my limit with no notice. Furthermore, they are now reporting on my credit that I am significantly over my spending limit for a revolving credit account which this is not. This is negatively effecting my credit and credit score. They are stating that I owe them {$2500.00} dollars, but only reporting that I have a {$900.00} dollar credit limit. Therefore, they are consistently reporting that I am {$1600.00} over my credit limit. I have attempted to get the company to change how they report this on my credit. I called them multiple times in XXXX and XXXX and each time I received the same answer, that I needed to deal with the credit bureau and not the creditor. I have filed disputes on how this reported to no avail. I am attaching statements from XXXX of XXXX until XXXX of XXXX to show the temporary credit increase of over {$2000.00} and then immediately reporting that I am over my credit limit which they allowed.
Consumer complaint received 2016-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jim Bottin Enterprises, Inc (CA)

ABC Financial Services Inc. is the billing company hired by XXXX XXXX XXXX XXXX XXXX health club. At the time that membership was agreed to a detailed contract was signed, naming ABC Financial Services as the sole company responsible for enforcing and collecting on amounts agreed to on the contract. I suffered an injury that made me unable to attend the gym and therefore need to cancel the annual contract. Repeated mis communication and increased charges became the trend, the most blatant is a " cancellation fee '' of {$50.00} not detailed anywhere in the contract. When I emailed them a scanned copy of the contract showing no such fee was disclosed, different responses were received including first, see our website for terms ( not referred to anywhere in the contract ), then later, speak to the gym management, of course gym management said to speak to ABC financial services. Fees to which I did not agree to, {$50.00} cancellation fees should not be charged, only what was agreed. This company needs to clearly disclosed in writing.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Removed as an authorized user moths ago shows her having a monthly payment of {$71.00} a month and a balance of over 1000 please remove the account from my profile as Im no longer an authorized user thank you
Consumer complaint received 2021-11-12
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

Despite the XXXX previous written requests, the unverified items still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (NJ)

collection company calling on my cell phone company name : XXXX and person name is : XXXX XXXX number is XXXX and using tax massage number XXXX XXXX : XXXX asking for XXXX XXXX  balance I told so many time don't call my cell phone but still calling 2 or 3 time day and today send me Tax Massage. I don't know about this account and did not verified asking for business account saying but this business being closed and can not verified any claim. 
he is harassing and abusing language. I don't give the permission to call on my cell phone ever think should be done by mail and mail only but still calling on my cell phone.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

XXXX XXXX charged me a cleaning fee of {$270.00} because they claimed I smoked in their room. I have not smoked in 19 years and most definitely did not smoke in their room on that occasion. I filed a dispute with my Citi card and they temporarily gave me a credit while they investigated. After a few weeks they sided with the merchant and reinstated the {$270.00} charge. 
I quite simply do not think I should pay for something I did n't do. 
I have been a Citi card holder for 30 years but I immediately cancelled my card. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under age. IK open end consumer credit plan as late for an purpose. 
Additionally, my XXXX  XXXX is still on my report and is discharged - it shouldnt be on my report any longer.
Consumer complaint received 2023-06-23
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection (LA)

XX/XX/2016, signed up for XXXX XXXX XXXX XXXX. The sales manager at that time was XXXX XXXX. he told me and a few others in the neighborhood there was no credit check and no cancelation fee. That turned out absolutely wrong. I later found out that it was indeed a credit check in which i didnt authorize and there was termination. I called in and was given a email address to email the legal dept for XXXX but i never got a response from them. Since then XXXX, the new sales manager XXXX XXXX in the area has been coming around to do what he calls " damage control '' he told me XXXX XXXX is no longer apart of the ompany because he gave false information and there is a lawsuit against him. I would like this removed and more information on the lawsuit.