davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (TN)

I opened a new savings account via apple with Goldman Sachs. I had over 3 years the apple card credit card from Goldman Sachs without any issues. 
I made deposits with my money and it was successfully added to my account balance. 
So I also scheduled my credit card payments to this account. There is enough money in my account to cover the payments. Unfortunately it got declined and my account became restricted. 
I contacted the customer support several times and spend hours in the support line of Goldman Sachs. Unfortunately none of Agents was able to solve my issue.
Consumer complaint received 2022-11-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 2022-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been dealing with Bank of America about this situation since XX/XX/XXXX. I since then have called multiple times and have gotten a few different responses Ive gone I to the bank and received no help. The last few times Ive spoken to someone in regards to my funds both supervisors and managers have on two separate dates garanteed me to have my money returned by a certain date. Ive been. Lied to and felt belittled and I dont think its fair for them to state such a thing and not have it be done I feel like Im just being brushed off.
Consumer complaint received 2022-11-12
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2020-02-27
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 wife and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our reports since we first found our 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these items from my report.
Consumer complaint received 2022-11-12
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. (CA)

Name of Company : XXXX Name of account : XXXX CARD Account # : XXXX I asked the credit bureaus to do a verification of everything on my credit report, which they stated that they verified/updated the information. I did my own research and have still found improper inaccuracies on my credit report even after they stated the information is verified/updated. 

The dispute letter I sent to the credit bureaus on XXXX/XXXX/22, which I have the XXXX receipts for. They sent me back the response on XXXX/XXXX/22. 

The inaccuracies are in Date opened and Date last active, all showing different information, even after their investigation. Even the high credit and credit limit portions are showing differing information. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian offers ( as is required ) the ability to freeze a minor dependent 's credit. 

I followed their instructions exactly ( mailing the full list of identifying documents, including copies of birth certificates and social security cards ) to freeze my minor dependent 's credit. 

I got a paper mail back that simply said " you did not send the required information '', with no indication of what was missing. 

I attempted to contact Experian via their website and their phone number, but on the website the only customer service option was an AI chatbot, and on the phone it's just an infinite tree of prerecorded messages. 

So I'm stuck now -- I can just send the same documents again, but I'll just get the same letter back, and there's no way for me to figure out what is missing. I'd happily send them the documents again, but I want to make sure I get the right set of documents this time... and that requires knowing what was missing last time.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXXXXXX XXXX, Account # XXXX 15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish 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 the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY ()

I had a XXXX XXXX that was linked to XXXX XXXX. I bought a flight with this card and had to cancel due to a medical emergency. I called AMEX and they sent me to the insurance company XXXX to file the claim. They said my policy is not with them, but with XXXX. Since then I am trying to get the correct email so I can send the documents to use the insurance and get my money back. I wrote several email, chats and tried to call several times and got no help. It seems they do not want to pay and the travel insurance do not work. They try to get me tired and forget about the claim. Very bad service!!! I want my money back!
Consumer complaint received 2019-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

In XXXX of 2019 I received notice that the other borrower on my FHA mortgage with Flagstar bank had filed for bankruptcy. He had moved out of the home 7 years prior to the initiation of his bankruptcy and signed a quit claim deed to me relinquishing all interest in the home. I filed the quit claim deed with the county and continued to pay the mortgage as agreed, but contacted the mortgage company after I received notice of the other borrowers bankruptcy to verify that I would continue to receive monthly statements and how the other borrowers bankruptcy affected me. I was reassured by the bankruptcy department at Flagstar that I would continue to receive statements titled for informational purposes only and that as long as I made the payments nothing would change. In XXXX of 2019 I received a notice on my monthly mortgage statement from Flagstar that {$930.00} had been added to my loan for legal fees. The mortgage company agreed to send me an itemized statement of the fees for me to compare to the threshold of legal fees permissible for an FHA loan. I never received a breakdown of the legal fees. As of XX/XX/2019, the mortgage company now claims that I can no longer receive mailed monthly mortgage statements or a breakdown of the legal expenses due *until I sign a reaffirmation agreement ; despite the fact that I never personally filed for bankruptcy. * The mortgage company is also claiming that the reaffirmation agreement is currently in the possession of the other borrowers attorney and that the mortgage company is unable to send me a copy to sign personally.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX has added a debt to my credit report that I have no knowledge of. The amount of the debt is {$170.00} and I am requesting this amount to be removed. The date this account was opened was XX/XX/2023. This negative reporting of an account I have no knowledge of has affected my ability to obtain future credit and it needs to be removed ASAP. I have sent a request to the company to have a debt validation letter sent to my address along with the original application with my signature for this account. If the company is unable to provide this information I am requesting for this account to be removed from my credit report. 

I have filed a dispute with Equifax and they have somehow confirmed this account belongs to me when it obviously does not.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent a letter by certified mail receipt on XX/XX/21 to portfolio recovery regarding Not XXXX but XXXX accounts I never was notified of this account or knew about it for that matter by the way. But this is my main point I sent letter certified mail and return receipt ( I NEVER GOT A RETURN RECEIPT BACK EITHER ) image of numbers for tracking are attached. I track letters and discovered they arrived on XX/XX/21 and I receive letters dated XX/XX/21 you dont find that suspicious considering it take 30-45 days to conduct an accurate investigation? So they sent me letters indicating that account # XXXX belongs to me. They letter didnt validate the debt AT ALL on top of that I also inquired about another account # XXXX you may be saying XXXX, get to the point my point is a credit card statement doesnt validate this debt also the company didnt conduct full investigation and they also didnt address # XXXX XXXX therefore requesting removal of account btw I was never noticed about this account
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CO)

XXXX provided internet service that never worked correctly. After months of support calls due to the internet barely working or not at all, XXXX sent a technician out to review the installation and modem. 

They then replaced the modem and said they would not charge me for the months of internet service that did not work. Then after another month their internet network continued to have low quality of service or none at all. 

I was forced to move my studio since there were no other service providers available and XXXX 's lack of reliable internet service made it impossible to operate my business. 

Now XXXX has sent me to collections via Radius Global Solutions, LLC who is harassing me for payment of a service that I was promised credit for that never was received.
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

On XX/XX/XXXX we applied for a cash out refinance on our vacation home in TN. We applied with Amerisave. Our XXXX XXXX reflected a mortgage of {$230000.00} with a locked in interest rate of 3.125 % snd with loan origination charges of .134 % plus an application fee of {$500.00}. 
The entire process of submitting documentation has been horrendous. We would send documents and receive verification they had been successfully downloaded but then would receive a message saying they had not been received & that our loan application was in jeopardy. The loan originator whose signature was on those emails would tell us that the threatening emails had not been sent by him and were in error & to ignore them. 
Finally, we have reached the point of getting near closing. On XX/XX/XXXX, we received the Closing Disclosure. It reflected wrong terms- the loan amount and the origination charges were totally wrong and on the Change Circumstance sheet it stated that we the Borrower had requested a loan decrease and that Loan Discount had changed without any explanation. We were totally frustrated with the loan originator & processor at Amerisave we had been dealing with & requested the name of a supervisor. We were given the name of XXXX XXXX and we emailed him & made him aware of these errors. On XX/XX/XXXX, he apologized and we then received a Closing Disclosure in the correct loan amount but with loan points of .759 % instead of .134 %. The same day, we immediately contacted XXXX XXXX and he replied saying he was looking into it and that we should receive a response by the next day. When no response had been received the next day ( XX/XX/XXXX ), we emailed him again. We received an automated email reply saying he was out of the office. We sent another email on XX/XX/XXXX reminding him that we expected the corrected Closing Disclosure by the next day. Today, XX/XX/XXXX, we still have not received any corrected Closing Disclosure. XXXX XXXX called this evening around 6 pm and left a voice mail while we were eating dinner and his message was " he wanted to touch base so we can see if we can figure things out so we can get on the same page ''!! We called him back but received his voicemail. We followed up with an email saying that if we don't receive a correct Closing Disclosure by XX/XX/XXXX, we are withdrawing our application. We would like the return of our application fee of {$500.00} since Amerisave has failed to fulfill a loan according to the terms that we applied for. Most importantly, no one should go through the mistakes that have been made by Amerisave throughout this process. We have had countless mortgages through our sixty plus years and have never encountered anything like this experience.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2022-11-12
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. (FL)

Please see the attachments on this complaint by me- I am requesting that your company send me copy of the 1099-C, Cancellation of Debt / CHARGE OFF or write-off that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. I XXXX, XXXX Authorized Representative for XXXX XXXX requesting documents and has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 

These listed Violations are based on breach of fiduciary duties TILA, FCRA, XXXX, XXXX, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Consumer complaint received 2022-11-12
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WA)

On XX/XX/2024, I signed up for the Citi American Airlines AAdvantage advertised through the American Airlines website so I could use the card to purchase a plane ticket and earn a {$400.00} travel statement credit on that purchase. The only reason I decided to sign up to try this card was because of the travel statement and miles. 

The terms of the offer clearly stated " If instantly authorized, credit card members will receive temporary account information and a temporary minimum credit limit. This temporary account information can be used during payment for the current eligible American Airlines purchases at time of checkout to receive the statement credit. '' I was instantly authorized but was provided no confirmation number or account number. There was an option to click to receive the temporary account information which I clicked on and received a confirmation code by text message. I entered this code and then was back on the main page. There was a little green check mark next to the temporary account information received but I never got an account number within the window, by email, by text message, or within any popup window. I tried selecting the green check mark and the boxes but no luck. There was absolutely no way to access the temporary account information. When I tried to go back to the previous page with the option to send the code by text message, I was logged out. I could not log back in using the account username and password that I just created. 

I called the Citi phone number for general customer service and eventually was able to reach a representative, XXXX. I told the representative what happened and the representative said that they do not have access to the accounts and if I did not get account information at the time I signed up, I would have to wait for the card in the mail. Obviously, this meant I would not get the {$400.00} travel statement on my current purchase and, since I was not planning on traveling again within the 6 months required in the terms, I would not be getting the {$400.00} statement period. 

I told the representative that I would like to cancel the card. The representative said that I would have to wait until the card came in the mail to cancel. I stated that this felt like a scam and asked to be transferred to someone to make a complaint. The representative stated that there wasn't a complaint department or anyone that I could be transferred to but took my name and phone number to try to find someone. I have yet to hear back from anyone to cancel the application or the card or address the false advertising. I have screen shots of the offer as well as the terms for the {$400.00} statement credit.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I requested that the credit reporting agencies remove several inaccuracies from my credit report, and I have been sending letters back and forth for well over a year, and nothing has been resolved. I do not believe they are really investigation the inaccuracies. They just keep saying it has to stay on there, but the information is wrong, and it is affecting my life. I am a XXXX veteran, and I am dealing with my health right now, and this has greatly affected me being able to do anything because off all of the inaccuracies on my credit reports.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX -Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020