davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (VA)

On XX/XX/2019, I tried to open a new savings account with Marcus ( Goldman Sachs Bank USA ). I received a message stating that I'd need to call the company the next day to provide further information. I did so on the morning of XX/XX/2019, and was informed that my application for a savings account was rejected due to security reasons. I asked for further information, but was told this was forbidden. This is not the first time I have had problems like this with Goldman Sachs.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-08
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. (IN)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I had several inquiries on my credit report that does not belong there. I have no idea where they come from or who they belong to who do not belong to me. I have tried several times to negotiate and talk to a representative displaying I have nothing to do with these Accounts are in accurate information reporting on my credit report accounts as following listed below 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 XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. 2 : its also states, a consumer reporting agency can not furnish an account without my written permission or instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any adverse item of information, or the records of conviction 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 relating agency if the person knows or has reasonable calls to believe that the information is an accurate The credit bureau keeps disrespecting the law. 
Ive shown them multiple times of how they are violating the fair credit reporting ACT.
Consumer complaint received 2019-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

This is about Enhanced Recovery ( XXXX {$1800.00} ) Hi this debt was removed off my credit report, it was a mistake by the XXXX / XXXX cable company. They removed it and deleted it from my credit file. they also gave me an apology. this collection company purchased my info from somewhere and trying to collect a debt that I don't owe. XXXX spoke with me by phone and told me I have XXXX debt with them. please remove this again off my report.
Consumer complaint received 2019-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank has a scheduled sale date even with a pending modification. Illegal. Dual tracking. I have contacted WF numerous times. XX/XX/XXXX was most recent. They would not speak with me. They said that bc there is a pending lawsuit I must speak to their attorney. I do not have not been assigned a single point of contact. XXXX XXXX was, and she sent me a letter dated XX/XX/XXXX to submit all paperwork for load modification review. Which I did. I faxed to the number provided and faxed to XXXX, their attorney. I have emailed and called XXXX for status of review and if file is completed. I sent all requested docs, faxed to his office as well. I emailed and left a voicemail at XXXX with his assistant on XX/XX/XXXX. I requested postponement of sale. have not heard back from anyone. 
On these I emailed XXXX asking if the mod package was complete. He did not respond to this date. I also called Wells Fargo on these date and they said talk to XXXX. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Also, attorney XXXX said he received bank statements. Those were duplicates sent with initial package on XX/XX/XXXX. I dont know why re emailed and said he received them. I dont know if he was confirming it on that day from the fax he received on XX/XX/XXXX. Maybe it was left in the fax machine. I have confirmation that all pages were faxed to him on XX/XX/XXXX and no fax record print out shows anything faxed to his off on XX/XX/XXXX. 
1. You can not have sale date scheduled w a mod package being reviewe 2. Even with multiple attempts to confirm that w everything was received, wf has failed to respond Note : I refers to my wife and or myself contacting Wells Fargo.
Consumer complaint received 2019-12-30
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. (NY)

After submitting a written dispute letter challenging XXXX Transunion XXXX inaccurate reporting of my consumer credit report. Their are still Accounts that appears to be reported as verified and updated. However, these accounts are still unrecognizable by me. I not saying that they are fraudulent but I just don't recognize these accounts. Please see attachments. 

XXXX  XXXX XXXX - I am challenging this account because it is unknown and I do not recognize the original creditor. Please remove Account effective immediately XXXX  XXXX XXXX XXXX This Account I do not recognize and is ( unknown ) please remove Account at once.
Consumer complaint received 2023-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NY)

I previously filed a complaint against American Express ID XXXX. I have since won a court judgement against them on XX/XX/XXXX regarding the balance they falsely claim I have. They have refused to acknowledge the court judgement. They are in violation of the law.Please read further. 
I was a victim of fraudulent charges on my American Express card on XX/XX/XXXX. I immediately contacted American Express who reversed all fraudulent charges made to my account. On XX/XX/XXXX I received a call stating American Express was not going to cover the charges and placed all charges back to my account. 
I disputed their decision with the fraud department and customer service while it was under investigation until XXXX XXXX when they closed the case and decided they were not covering the fraudulent charges. 
I advised them I would seek legal action which I did and went to court XX/XX/XXXX. The court ruled in my favor concluding that American Express was responsible to cover all charges. Enclosed are the court documents confirming my statement. 
As of today, XX/XX/XXXX American Express has not complied with the judgement of the court. American Express did not respond to my lawyers letter ( with submission of all court documents ) of six weeks ago. He wrote them a second letter this past week requesting their compliance with the court decision. 
I have contacted by mail and by phone - American Express myself and submitted the court documents to customer service and the fraud department. Their letter response simply stated the investigation was closed and did not address my successful court judgement against them. They ignored the information I discussed in my phone call and simply said they would reopen the investigation despite saying numerous times I had a court judgement against them and they were in violation of the law by not complying. 
That is a brief summary of the events that have transpired. 
I have enclosed the court documents showing the judgement I received, my lawyers first letter to American Express after the court judgement, my two letters to American Express requesting their compliance with the court judgement. I have also enclosed a summary of all the conversations that occurred during the dispute as well as the arguments we made before the court regarding American Expresss accountability. 
Specifically, I request your assistance in getting American Express to recognize the court judgement, remove my balance, refund the amount that is greater than the balance, and most importantly to contact the credit agencies to advise them I dont have a balance and I never did. As an aside my credit scores have always been in the 830s American Expresss refusal to contact the credit agencies has significantly affected my credit scores even though I have submitted all information to the agencies. 
Thank you in advance for your attention to my concern.
Consumer complaint received 2020-06-09
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: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$280.00} XXXX XXXXXXXX {$1800.00} XXXX XXXX   XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2019-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the unlawful student loans need to come off it's been more than 90 days since sent affidavit and now see attached documents Federal law permits you to dispute credit report errors with the credit bureau on whose report you find the error. You can dispute errors online via the bureau 's website or in writing by postal mail. If you chose to dispute the error online, you can even upload supporting documentation via the bureau 's dispute portal.

Law said if it cant be corrected it must be removed
Consumer complaint received 2020-06-09
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXXXXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$280.00} XXXX XXXXXXXX {$1800.00} XXXX XXXX   XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

When my lease ended with XXXX XXXX in XXXX of XXXX they sent me a notice saying I owed {$310.00} and had 15 days from receiving the notice to dispute it which i did. They claimed i only returned one house key and charged me {$25.00}. Fortunately i took a picture of BOTH keys initialed by them that it was received by them. I made sure to send them that proof with my dispute. They also wanted to charge me {$120.00} to replace the carpet which they said was dirty. I dispute that as well since they promised me via email that when i renewed my lease in XXXX that i would get a free carpet cleaning. Had they done as promised i would have a clean carpet and they would not be charging me for that. They also want to charge me {$100.00} cleaning fee for " leaving items '' behind. This i dispute as well. They never did a walk through with me even though i requested it when i moved out. They said it was not necessary. So I dispute all this and I hear nothing back and now suddenly XXXX  months later its with a collection agency. I don't know how that is allowed
Consumer complaint received 2022-01-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

In XX/XX/XXXX, my husband was determined at XXXX XXXX XXXX XXXX XXXX  XXXX effective XX/XX/XXXX. We submitted required documents to our County tax office and were determined to qualify for 100 % personal and real estate property tax relief. All documentation was submitted to Caliber Mortgage company in XXXX, and then again in XXXX after it was reportedly no received. Finally after no relief, we requested a current escrow analysis, ( the open ticket request for resolve had been closed ). We received a XX/XX/XXXX escrow analysis still purporting that we have a responsibility to our local county taxes, when in fact we do not. We continue to pay in excess of what our mortgage amount should be each month, and for several months now, Caliber has refused to correct the accounting. Caliber was provided this information originally on XX/XX/XXXX, again on XX/XX/XXXX, a formal request for escrow analysis was ticketed on XX/XX/XXXX XXXX another ticket was created on XX/XX/XXXX requesting resolve. An email was sent to area managers, requesting resolve on XX/XX/XXXX.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I went on XXXX XXXX XX/XX/XXXX and ended up in the hospital till mid XXXX. Went on vacation in Florida XX/XX/XXXX thru the XXXX, after the management meeting i had with the time share resort I'm apart trying to get rid of the property since i'm no longer in good health or finance to keep it, my cell phone and wallet were stolen. i tried calling on a land line to claim it had been stolen but was told that i had to call from a number registered to my card. i don't have a land line only the cell phone that was stolen. I didn't have the things i needed to get a new phone with me. With my health and life getting in the way i was not able to get a new phone till XX/XX/XXXX of XXXX, by then the thief had used my phone to charge over XXXX to my bank of America card and various other credit cards. i called all of the companies and told them what had happened they took care of it right away. Bank of America on the other hand keeps saying I'm on the hook and it wasn't fraud. I am very sick and with covid 19 i have not been able to work i am a single a mother I can not pay XXXX for someone else using my card.
Consumer complaint received 2019-12-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I sent a dispute to Equifax through certified mail and answered back on XX/XX/2019 with a statement saying that they could not locate my credit file even though i sent all required information and copies of SSN and Driver 's License. And on another line said that i supposedly sent them a " XXXX XXXX Only card '' when i clearly sent them a huge XXXX color copy. Then i sent them an even bigger copy of my XXXX and came back on XX/XX/2019 saying that the documents provided were illegible even-though i sent them the same documents with a bigger copy. So first they couldn't find my file and then they couldn't read my documents even though everything is typed and copies clearly visible. They are Obviously trying to violate my right as a consumer to investigate information on my credit file. They are wasting my time and money with ridiculous and petty actions.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (WY)

This was agreed to be removed once account was paid in full which it was. I had an emergency fire to deal with and unable to turn on autopay at this time. Otherwise all other times I paid in full. 

I would appreciate this be removed on XXXX, XXXX, and XXXX. Thank you
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C. (MA)

During the month of XX/XX/XXXX, I reached out to XXXX XXXX regarding an outstanding debt in the amount of {$660.00}. The original creditor : XXXX XXXX  sold this debt to XXXX. XXXX informed me the debt was now being managed by Solomon and Solomon on behalf of XXXX. Once paid, Solomon and Solomon would process the payment, then contact XXXX to update the credit agencies to remove the negative item from my report. 

We negotiated an amount of {$370.00} to be paid no later than XX/XX/XXXX, please review the letter from Solomon & Solomon attached, dated XXXX. I made the payment online at www.solomonpayments.com on XX/XX/XXXX for {$370.00}. After several denied disputes with XXXX, I continued to contact both XXXX and Solomon who stated a payment was never made. Attached is the receipt and a copy of my bank statement showing a debit in the amount of {$370.00} processed on XX/XX/XXXX and the payment confirmation dated XX/XX/XXXX. 

Just recently, I received a letter from XXXX XXXX XXXX stating they were now managing the account for XXXX XXXX XXXX. Please see the attached letter. 
Again, I am requesting a letter showing I have paid per the agreement and this information be updated with the credit agencies as soon as possible. 

Thank you, XXXX XXXX
Consumer complaint received 2019-12-29
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NV)

my deceased uncle died a year after his wife. Im trying to obtain successor of ownership upon obtain ownership and calling different companies to get information which was unfortunately to now availability the house went into for closure me and my spouse had been living in the dwelling prior to foreclosure utilities and the making of repairs was my obligation 's. I'm now in litigation as in the sale of deed of trust. In making the effete to gain ownership wit all paperwork in hand I was sent to XXXX  and all paperwork was stolen from the house along with all my property and any info concerning ownership or occupation we had. I have only with me the note and mortgage papers. Is there any proper way I can go about this situation?
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was sold an add on for XXXX XXXX in 2010 which the Bank has now informed that they are no longer selling. I have found that CFPB has an article describing my situation of this XXXX XXXX issue being declared an illegal action and has ordered the bank to correct the action of fraud. I have communicated with the bank and they informed they can only stop billing me and can return any of these charges. As described by the bank they were charging me for services that are already billed into my account. I was getting charged twice as a result. If it is required that I provide any documentation I will do so at your request.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

There was several situations when using my money the amounts are taken out of sequence amounts usage dates posted not as used but based on XXXX ram or reason. Which didnt make sense to me. Also I had several disputed charges that I didnt receive credit for nor an explanation on why not. Lots of discrepancies and disappearing money not accounted for.
Consumer complaint received 2022-10-05
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. (WA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy. Also 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.