davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (VA)

On XX/XX/23, I scheduled an transfer of {$2000.00} to be transferred to my personal credit union checking account on XX/XX/23 ( this was to cover payments, including a large payment to a credit card, to be made several days after the transfer was to occur ). I received an email notification 1 minute after scheduling the transfer confirming the transfer would happen on XXXX. 

This transfer never occurred ( I was entertaining out-of-country guests the month of XXXX ). Due to my company and workload, I did not discover this failure until I received a letter via USPS on XX/XX/23 from both my credit union that I had an NSF and the credit card company for whom a large payment was scheduled. I contacted Marcus immediately and have spoken with 6 representatives ( including 3 supervisors ) on XX/XX/23, XX/XX/23 and XX/XX/23. The first said they would " look into it '' and call back, which they did but said they " just didn't see the transfer ''. None of them would research the matter further OR thoroughly and just kept saying " they didn't see the transfer '' and " at least I still had access to the funds ''. See the attached letter to Goldman Sachs Bank dated XX/XX/23. 

I am very upset that not only could this have caused damage to my credit rating, but that they can not find ANY evidence that I scheduled the transfer in spite of the fact that I have a printed confirmation with the date and time I scheduled it ( and a very long confirmation number ) and the fact that I received an email confirmation within 1 minute of scheduling the transfer. 

I was told I could only write a letter ( which I have done ) to have fees reimbursed and mail it via USPS. They have no means of of emailing or uploading my confirmation and email. In addition, my letter requests a thorough investigation into this matter. 

I believe that Marcus by Goldman Sachs has something wrong in their system that cause a transfer not to go through. I feel certain I am NOT the only person to whom this has happened and I feel a full investigation needs to be launched to determine what happened and why the transfer did not take place ; as well as what happened in order to correct the matter. As a XXXX XXXX in the XXXX XXXX I am quite upset at the poor customer service and handling of this matter, ESPECIALLY in light of the fact that they can not locate a transfer THEY CONFIRMED VIA EMAIL!!!! 

I am also very concerned with the poor attitude of all 6 staff members and their 'inability ' to launch a more thorough investigation. This is an online savings account that they advertise the ability to make a {$100000.00} same-day transfer to external banks, yet they couldn't do it with over 3 weeks notice. 

I have filed a complaint with the Federal Reserve but was referred to the CFPB for further action.
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

In XX/XX/2022 while still in the middle of a pandemic I got 30 days behind on my XXXX and XXXX car payment. I was 6 months XXXX, homeless and recovering from job hour loss due to the pandemic. I also became sick with XXXX XXXX and tested positive XX/XX/XXXX, which left lasting physical affects. Also affecting my ability to work long hours. I was reinfected with the XXXX XXXX again XX/XX/2022 I reached out to the company to make arrangements to catch up and was set up on a XXXX week payment arrangement that would allow me to get caught back up. All of the payments of that arrangement where made according to the arrangement agreement. 

When I check my XXXX XXXX  it is showing the XXXX and XXXX dates as late however it's reporting different months with other credit agencies. I reached out to XXXX XXXXXXXX by calling and emailing the XXXX XXXX XXXX explaining the situation and asking for grace. 

Someone from XXXX XXXX did call back and submitted that request. I recently learned the request was denied. 

I am filing this complaint because I believe I qualify to have these negative remarks. I also believe I am entitled to some relief and all late payments be removed under the CARES ACT. XXXX XXXX has refused to acknowledge that these incidents are pandemic related and will not make adjustments to my XXXX credit bureaus. We are still feeling the affects of the pandemic with rising cost. These remarks make it even harder for me just to get housing.
Consumer complaint received 2023-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

The mortgage payments were paid ahead of time with Carrington Mortgage however there is a discrepancy with the account. There is an issue with the payment portal and the way it is being applied with Carrington Mortgage and I was charged late fees. For example, when I asked about history Carrington Mortgage told me " Close of escrow date XX/XX/XXXX. First payment due, XX/XX/XXXX, and the payment was received XX/XX/XXXX. '' which does not make sense. In the past, I had to file complaints regarding escrow and insurance payment discrepancies as well. The principal balance is not accurate and I am concerned the wrong history is being reported to the credit reporting agencies.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

On XX/XX/XXXXXXXX  Credit Acceptance reported to XXXX that a closed account was opened. This account has been closed since XXXX. They are constantly misreporting facts on payment dates, account status, late status, and my signature was not on the disclosure form. Someone signed a form that wasnt me. Ive reached out to them for accuracy and they have given me a hard time. Constantly on my XXXX and XXXX they willfully and knowingly violate the CFPB and FDCP ACT. They also use XXXX XXXX to report without my consent or disclosure. Credit Acceptance have consistently harassed me through inaccurate consumer reporting Im constantly disputing. After this I will have a attorney take this to court without XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had two loans from XXXX XXXX XXXX XXXX XXXX in XXXX VA that went into collections in XXXX and XXXX. I paid both in full and they should NOT still be on my credit report as they are too old. I have argued with this bank to get these removed as they are too old. The bank refuses to do it and keeps reporting the loans as currently active. This is not correct and I want it fixed. The bank should be fined for false information and refusing to update the correct information.
Consumer complaint received 2022-11-29
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

Discover Lies about consumers and I will post their message below. Discover card opened two credit cards FRAUDULENTLY. This is application fraud. Discover blatantly ignored and disregarded my extended fraud victim statements on my credit files and instead reviewed public sources or so they say. Discover says they verified XXXX verified to me by my credit file but its funny because thats not on my credit file and never has been. Discover did not have my permission to pull these applications nor approve them for these cards. I have submitted a LEGAL identity theft affidavit which shows XXXX, and XXXX XXXX XXXX which Discover advised they sent the card to. They said XXXX called in and submitted a separate complaint which I never have and Im not sure whose phone number that is. Its not on any of my public records or credit files. Discovers inquiries are disputed and blocked from my credit files. Discover did not receive my authorization to open any accounts. I did not sign any applications and I did not respond to any texts. As stated DISCOVER CALLED THIS NUMBER WHO AN IDENTITY THIEF OWNS. Has owned and Discover again falsely accuses me saying they verified the phone number. Yet thats not my phone number and never has been. The email address they provided is not my email address and I did not ever register that email address. I did not accept their terms of conditions and I did not make payments on these accounts either. All payments made were from fraudulent checking and savings accounts which if they actually verified are closed as identity theft. Yet they didnt verify that. I am not responsible for these two credit cards they sent to someone else. I did not apply. I did not approve. They didnt clear my fraud victim statements and I did not receive a card nor statement ever. I want Discover to provide evidence that I APPROVED THE APPLICATIONS. I do not take responsibility and these accounts are fraud. You have legal obligation under the FCRA to conduct an actual investigation instead of just falsely accusing the customer. I do not take the answer of you verified to public sources when none of the information you provided verifies to me. All the information on the applications are and were fraud and I did not make charges to either account nor did I receive either cards again this is identity theft and Discover is responsible. Additionally Discover changed these two accounts to my address I currently reside at just last week without my permission. I do not accept you placing my address on fraudulent accounts and without me asking for such you do not have permission.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-03-09
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. (TX)

XXXX XXXX is reporting an account with inaccurate late payments that I have been disputing with each credit bureau for quite a while now. 

They are verifying multiple inconsistent inaccurate late payments for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. How is it that one bureau reports this account late but the other two report it as on time? If the credit bureaus all get their information from the same place, why are they reporting inconsistently? 

Its clear that no valid investigation was done into the account pertaining to these inaccurate late payments which is against the law and my rights as a consumer to have accurate information on my credit report. These late payments are illegally reporting and I am demanding that they are deleted from reports and that this account is updated as on time as I was never late on this account!
Consumer complaint received 2023-10-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Please see my reply XX/XX/XXXX to the XXXX XXXX XXXX below in response to Coinbase 's reply XX/XX/XXXX in response to my complaint. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - My reply XX/XX/XXXX to the XXXX XXXX XXXX : I am rejecting Coinbase 's reply because they are responding with a half truth. 

While it is true that I'm now able to access my account, what Coinbase failed to disclose is that I had to hire an attorney at the cost of {$15000.00} to compel Coinbase to unblock my account. The demand letter from the attorney is attached and as well as the copy of my bank payment to the attorneys in the amount of {$15000.00}. The motion for pre-judgement writ of attachment, not uploaded, asserted a valid claim against Coinbase for breach of contract and conversion. 

I might add that I filed my complaint against Coinbase on XX/XX/XXXX but only now on XX/XX/XXXX ( over XXXX years later! ) is Coinbase responding to my complaint. 

Since Coinbase was clearly at fault, it is imperative that Coinbase refund the {$15000.00} that I was compelled to spend on attorney fees to unblock my account. My account was not accessible for over 4 months resulting in severe emotional distress. Furthermore, I spent an enormous amount of time and effort locating, preparing and presenting information to the attorneys, XXXX  and Coinbase in order to unblock my account. 

I respectfully expect to be compensated for the damages above.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (DE)

In Accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 



USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.
Consumer complaint received 2023-03-15
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. (PA)

Fraudulent accounts on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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. (SC)

Discrimination and unfair equal credit opportunity from the credit reporting agencies has caused me ( the consumer ) an ordeal of economical and non economical damage to deal with on my own. The suffering have left me scared and damaged with plenty of proof to show for it. I am not able to obtain personal, family, and household services or products due to the credit reporting agencies disobedience and failure to carry out their responsible duties to insure the accuracy of my consumer reports.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

My loan 's original principal was XXXX. My school only was disbursed {$3200.00}. Nelnet says to pay off my loan in full it was {$3200.00} principal + {$1.00} interest. I did that but my principal was actually {$3200.00} and since I paid in full within 120days I shouldn't have to pay any interest. Now they overcharged me {$35.00}, and have no intention to refund my money to my bank account i used to pay. nelnet has terrible customer service and does not respond to emails nor calls.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On yesterday I was informed by Wells Fargo that my residence is scheduled for sale on XX/XX/2023. And the only way I found out was by way of me calling Wells Fargo out of curiosity. Wells Fargo has discriminated against me because of my race and XXXX. And theyve denied me the right of a loan modification and refinance. Currently Im permanently XXXX and theyre violating my civil rights as a XXXX person with XXXX. Then they cover up for criminal fraudulent activities by XXXX XXXX to who doesnt live @ this residence XXXX XXXX XXXX XXXX XXXX Pa XXXX. But yet they still call XXXX XXXX XXXX for him. Wells Fargo also failed to acknowledge the death of my late Mother XXXX XXXX which now makes me 50 % owner and the {$18000.00} Refinance Check that was forged in my name by XXXX XXXX
Consumer complaint received 2023-03-06
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)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (OR)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-03-03
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. (AZ)

They have accounts Ive never applied for on my account. Theres so many address associated with my credit file it shows theres a lot going on. I need my credit profile completely whipped as I was a victim of identity theft.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

re : Barclay 's Case Number : XXXX I was recently the victim of a scam that purported to offer me employment. The scam involved a job interview, a presentation of benefits, an employment offer letter, a W4 submission, and ( importantly ) a request to purchase my equipment for this new C-level role. 

I complied with the requests and, on XX/XX/24, approved a transaction of {$7200.00} via XXXX to cover some of the equipment my new company would be providing ( a new XXXX, XXXX, XXXX XXXX, and XXXX ). I even completed a reimbursement request form ( also enclosed ) for this purchase. 

Despite a shipping invoice to prove my purchase ( also enclosed ) I NEVER received either the equipment or the reimbursement promised. 

After some further communication with the scammers, I realized that a scam was taking place and immediately ceased communication.

But this was not until after I had 1 ) resigned from my job and 2 ) submitted large transactions for the purchase of equipment.

Following the advice of the FTC, I submitted a dispute for the charge incurred on XX/XX/24. After summarizing the issue TWICE to Barclay 's phone representatives, I received a denial of the dispute letter.

I called the phone number in the letter to request a callback from a manager, who informed me there was nothing the dispute team could do as the purchase was via a payment processor. Nor ( more importantly ) could they direct me to anyone who could provide any support.

So not only was I a victim of a crime, but now Barclay 's is demanding I pay back the money stolen with accrued interest.