davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2023, I received an email from Goldman Sachs about the closure of my Apple Card account associated with the Apple Id XXXX due what they claimed to be " failure to comply with the terms of the Customer Agreement ''. I called Goldman Sachs about the closure and they confirmed the account was indeed closed. I explained that that there must have been a mistake, as i couldn't have done anything that violated the user agreement. I even reread the Apple Card user agreement and could not find anything that would cause the closure. I then asked what terms in the agreement was violated. They responded that they have no way of telling as the only thing they could see was what was in the closure email. For the last 06 months I've been escalating the issue through Goldman Sachs to figure out why my account was closed. I was told something different by almost every representative. I was told to that my profile was in good standing and should just reapply. I would try to reapply from my Apple ID only to find the application showing an error. Then i was told to just reapply from a different Apple ID. When i applied with a new Apple ID, the application no longer showed as error. After submitting the application, it would sit in a review state for 15+ days before i would receive an email denying my application " due to system error ''. I was then told to wait 30 days, then 90 days, then 180 days. All the representatives telling me that I shouldn't be getting any of the error and my Apple ID is in good standing. Still nobody can tell me what terms were actually violated. On around XX/XX/2023, i received a call from a Goldman Sachs manager stating that they have done a through investigation on why i was having problems reapplying. She said they didn't find anything that could cause this issue on their end. She then states that my Apple ID is actually " Not '' eligible to reapply a the moment despite what every other prior representative have have stated. She then states that she also can't see what terns were violated and to keep randomly applying and the system will decide " when '' or " if '' it will let the application go through and that the matter is now closed. I then asked for a copy my account transcripts to review. She said that she could put in a request but it would be up to Goldman Sachs whether the company want to give it to me. As of XX/XX/2023, i have not heard back from Goldman Sachs about the request.
Consumer complaint received 2023-08-12
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: Resurgent Capital Services L.P. (CA)

Subject : Inaccuracies and Misreporting on LVNV FUNDING LLC Account I recently identified multiple inaccuracies and inconsistencies on a credit account reported by LVNV FUNDING LLC, managed by Resurgent Correspondence. The primary issues include : Ambiguous Account Status : The reported status " XXXX '' is unclear and non-standard. 
Mismatched Account Type : The account is categorized as " INSTALLMENT '' but detailed as " Debt Buyer, '' causing confusion. 
Date Inconsistencies : The provided Date Opened ( XX/XX/2020 ) post-dates the Date Last Active ( XX/XX/2020 ), which is contradictory. 
Unclear Payment History : The status " CO, '' indicating " Charged Off, '' is repetitive without proper context or validation.

Missing Details : Key information such as Monthly Payment, Payment Status Commentary, and Date of Last Payment are either absent or ambiguous. 
Incomplete Two-Year Payment History : The reported payment history is inconsistent and lacks comprehensive data. 

These discrepancies have potential adverse effects on my creditworthiness and present a misleading representation of my financial history. Despite multiple attempts to resolve these issues with Resurgent Correspondence, they remain unaddressed. I'm seeking the CFPB 's assistance in rectifying these inaccuracies and ensuring accurate and fair credit reporting.
Consumer complaint received 2023-08-12
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: DISCOVER BANK (NV)

My identity was stolen due to XXXX XXXX and discover cards sending prequalified letters to old addresses that I do not live at anymore because of this they were successful in opening a discover account in my name on XX/XX/XXXX and attempted to open another credit card with XXXX XXXX on XX/XX/XXXX since then my credit profiles have all been frozen. Because of this I have 2 hard inquiries one from discover and one from XXXX XXXX I do not have any active accounts with either of them and never had an account with neither of them I contacted XXXX XXXX they said they couldnt do anything because I have never had an account with them. These inquiries should come off my credit report in XX/XX/XXXX and XXXX XXXX. At this time I have time sensitive applications. So I need them removed as soon as possible. After I receive some type of letter of deletion or confirmation from both discover and XXXX XXXX I can prove to the credit bureaus these inquiries do not belong to me
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NC)

The company keeps reversing charges and trying to recharge them. This effectively makes the payment late if I don't have double the amount in my account. The bank has been holding these payments and now has made it so I can not operate my business because of these reckless charges being reversed and resubmitted without them dropping off. Even today, the payments and the accounts do not match up. When you call, they tell you to just trust them and refuse to send anything that helps. I have had two loans with them that caused these issues. This is not okay, I have made payments in advance and always pay on time. My credibility isn't in questions, their ethics should be.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2024, I contacted USAA and spoke to an agent who was not helpful in advising how to dispute with the unauthorized charges on the USAA Secured Credit Card. She did however advise that she noted the account that there were fraudulent charges. I submitted an Identity Theft Affidavit, My Drivers License and Dispute Letter to USAA Document Uploads which confirmed that they were delivered to an agent on XX/XX/2024. I initiated a dispute with the credit bureaus as there were fraudulent charges on this credit card that were not authorized by me that I learned of after the account was closed. I have attempted to seek a resolution to this matter by requesting this account removed from my credit reports from XXXX, XXXX, and XXXX. I have not received any notification from USAA that they are complying with the FCRA 605B to have these listings removed from my credit file. I notified USAA multiple times via phone and document upload of fraud associated with the USAA Secured Card. I notified once again and some fraudulent charges were credited along with late fees and interest leaving the account no longer past due and current with a credit balance of - {$170.00} as of XXXX. USAA continues to report the account and has even added a delinquency in XXXX that doesn't exist due to the account being current. USAA has not handled this matter properly under FCRA.
Consumer complaint received 2021-12-21
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: AES/PHEAA (FL)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a XXXX years ago, I was in a financial dilemma due to a gun incident I lost my XXXX XXXX XXXX son. As a result, 7 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 7 late marks on my credit reports are causing me tremendous XXXX I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

Subject : Request for 1099-C Form Hi, I hope this message finds you well.

I have noticed that an item has been charged off on my credit report, but I did not receive the 1099-C form for this. Could you please send me the 1099-C form at your earliest convenience?

If you have sent it to me previously when you should be, please provide proof of sending 1099-C. 

CCB/BREADCASHBACK : XXXX Thank you for your assistance.
Consumer complaint received 2023-08-15
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: SANTANDER HOLDINGS USA, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed over the phone and with a rep, I also have provided ftc reports as well. I have ask for the original documents with signed signatures sent to mailing address and haven't received proof of any kind this act is in violation of my consumer law rights
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I noticed multiple unauthorized transactions on my account. I first noticed {$240.00} charged at a XXXX XXXX in XXXX XXXX CA and an additional {$40.00} charged at a local XXXX. I noticed after seeing these charges that my card was no longer in my purse and must have been lost or stolen recent to these charges. I contacted Wells Fargo to open a claim to reimburse the {$280.00} worth of unauthorized charges on my account and was later declined. The reason for the denial was said to be due to the charges being within a 16 mile radius of my house as well as the card being used as chip or tap for some of the transactions, even though that does not always require a pin to be used to complete the transaction since the person who made these purchases did not have my pin. I never received an update on my claim, and had to reach out to Wells Fargo for this to be explained to me 2 weeks later, far beyond the 10 day window they promise. Im very disappointed in the lack of protection of my account, especially since this is what Wells Fargo says is one of their main selling points for opening an account with them.
Consumer complaint received 2023-02-18
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. (FL)

XXXX XXXX. I tried to contact the Credit Bureau but they didnt fix it. My name, address are incorrect, its a violation of he FCRA. Its unsafe to have wrong information about me like this. 
The report has a lot of variations that doesnt exists. 

My name is XXXX XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Phone number XXXX. 

I am sending proofs. 

Its unsafe for me and its a violation.
Consumer complaint received 2023-08-15
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: SANTANDER HOLDINGS USA, INC. (OH)

THESE COMPANIES WERE ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION I NEVER AUTHORIZED THEM AT ALL THEY WERE PUT ON BY XXXXXXXX XXXX WHO WAS SINCED REMOVED FOR MY CREDIT REPORT ON THE SAME DAY XX/XX/XXXX XXXX
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

This company called Fair Collections and Out have called me countless time and are making my credit score go so low over a debt I know nothing about. I have talked to them and ask them to stop the call and they keep sending letters to my old address. It is so embarrassing and now I can't even buy a house or fix myself because they have dealt with me and my credit score is back to XXXX. Please they need to take this off my credit .... Thanks
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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 an 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 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Applied for apartment at  XXXX   XXXX  in MD which required a credit and background check. Called back the facility on  XXXX / XXXX /   17  to receive update of application status and was told I was denied because of bad Credit History provided by   XXXX   XXXX   XXXX   XXXX   XXXX  . Called the agency responsible for the report and managed to get a copy of the report on  XXXX / XXXX / 17 . Report at top states no match to my social security number. Report has same n ame, DOB, a nd some matching information l ike one fo rmer address and  XXXX   XXXX  information. Other places of residence in Florida, Social Security Number, Collections History and  XXXX   XXXX  card information are not mine. Report states  Trans Union  was used as referral for report. Checked with  XXXX   XXXX  on  XXXX / XXXX / 17  and confirmed that no one else on my account. Pulled free credit report and received  XXXX  report stat ing Credit bac kground is exceptional, no collection and no  XXXX   XXXX  account present. Due to false information provided lost the apartment unit I was looking to move into and application fee and securit y Deposit.
Consumer complaint received 2022-12-26
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX there was unauthorized transactions that was done on my account through online banking, XXXX from my credit card, XXXX from my checking account, an an XXXX XXXX XXXX XXXX  charge for XXXX. The XXXX. Was credited back along with the XXXX XXXX XXXX XXXX Charge but Wells Fargo refused to credit back the {$5200.00} charges although they knew it was fraudulent, they are saying I am responsible because my license was use, I have included a police report & the identity theft report as well to show this was fraudulent. I have had numerous phone calls along with branch appearances with no resolution.
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (OH)

This account has already been disputed with CFPB however it was sold to a collection company called ZIONS DEBT HOLDINGS. The previous company was XXXX, which is the dispute held on file with CFPB. The original account holder was XXXX XXXXXXXX. Several times in XXXX I tried to cancel it and they would not let me. XXXX  in XXXX under XXXX, I called and wrote letters to cancel it several times.
Consumer complaint received 2023-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (WA)

Re-requested refund via email XX/XX/XXXX per XXXX XXXX PDF which was replied to by XXXX XXXX stating " I am still not able to issue a refund of the interest that would have been earned if the account was to have been kept open. There is not an option to make an exception to this and we will not be issuing a refund. ''
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MD)

XXXX Chase Credit Card has flagged my account for the late payment. My XXXX payment is scheduled to pay on XX/XX/XXXX and there was no payment due when I checked the account. I never received any phone call, invoice from them stating that my account is past due. This account has been closed since XXXX and I've been making {$150.00} payment since then. 

XXXX XXXX payment history I've made all the payments on time it's showing as 85 % payment on time. My account is not delinquent. Also, I requested XXXX Chase XXXX to change my payment date multiple times toward the end of the month and it was never done. 

XXXX Chase XXXX informed that I am behind on my payments and they stated that because I owe {$150.00} on XX/XX/XXXX. I told the XXXX  that why are you asking for a payment in advance because the due date is so far. I feel like they have been pushing clients so much to collect a big amount instead on focusing on monthly payment and flagging the account for no reason.