davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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: GOLDMAN SACHS BANK USA (CA)

I have been filing four complaints against GOLDMAN SACHS BANK USA associated with four disputes on file, and every time the company provided a response that's NOT associated with the dispute IDs I provided and then they requested the complaints to be closed. Could the company provide responses that are associated with the complaints? 

My iPhone and wallet were stolen last XXXXXXXX, I've been working with the bank for all the disputes, but the bank only removed part of the unauthorized transactions from identity theft, not all of them even if they are from the same merchants and the similar dates with all other unauthorized transactions. These are the disputes that should be included in the identity theft transactions and the bank still asks me to be responsible for the balance even though I provided an identity theft victim report along with a series of police reports ( SR22-7696 ). XXXX, {$1700.00} XXXX, {$1600.00} XXXX, {$860.00} XXXX, {$1300.00} Compliant ID : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NH)

I am XXXX XXXX and when i called Navient solutions in XXXX to ask for private loan forgiveness due to XXXX XXXX they stated that I couldnt not because it was A private student loan thru sally Mae originally and i said that all my sallie Mae loans were forgiven and another one that was with A bank which was A private student loan. I asked again in XXXX, XXXX and they continue to say no and every year until i just noticed that this whole time, they have lied to me and call me every 6 months asking if i can Increase my payments. This company has put me in so much stress fighting with them that i was having XXXX and i just called them now and when i asked about loan forgiveness she said they dont offer it but as soon as i said thats actually not correct i had A company in XXXX private student loan and because Im XXXX XXXX it was forgiven and then she stated your doctor said your XXXX XXXX i said yes and why is your company stating you dont offer it when its actually available and she said Ill mail you the paperwork i said thats fine but Ive been paying monthly and i was lied to and all the stuff i had to go thru and now its me filing all over again plus its effected my credit etc I was taken to court by XXXX XXXX years ago for the same issues and finally after doing thru so much stress with them fighting for private loan forgiveness and doctors filing they approved it but Navient even went after my social security and had money taken out knowing i was XXXX and unable to work
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Per the FCRA As a Federally protected Consumer I am opting out of any and all Authorizations I the consumer may have given you written or unwritten, verbal or non verbal per 15 usc 6802.

Furthermore You are reporting a Charge-off on my consumer report which is a certificate of Indebtedness, which means it is income and income can not be reported on a consumers report. Please send me a check for the amount that was charged off.

furthermore You are in violation of the the privacy act of XXXX, and you are in violation of 15 U.S. Code 1681i - Procedu
re in case of disputed accuracy ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

A copy of this report will be filed with the secretary of state and the FTC as well.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (GA)

Good afternoon, whom it may concern. My name is XXXX XXXX. I filled a fraud report with Wells Fargo on the XXXX of XXXX. I applied for a personal loan with the loan company and the company ask me to provide my personal information which included my banking info on the loan application. I immediately called in when I realized it was fraud and provided them with all the information I had on this company. I have called literally everyday since this claim have been open to check the status. My account was $ XXXX I had a deposit from my job to hit. But the negative ate up the positive, which still giving me a negative balance of $ XXXX still. I have express to this bank on multi times that I do not have any funds available to me. I have two kids that I have to feed and gas to put in the car to travel to wrk. This company is the WORST. No one never help or show any type of empathy. Only because its not there money. My XXXX business day as they say will be Tuesday/Wednesday of next week. I also recently received a alert the fraud had bought a tv for {$1400.00} while this investigation is still open through XXXX that I had to stop and cancel the order that was placed in XXXX and I am in Georgia. Not understanding why WELLS FARGO did not see this happening. This has been a long frustrating two weeks not having any money and only to call a bank that NEVER have any information about your claim. I do understand that theres a protocol that should be taken place. But for this to happen all the way in California and Im in Georgia should state the facts that its FRAUD. Im emotionally and physically drained. I dont even have a {$1.00} to get by. I work in the medical field ( E.R ) so I have to be there for others but I can not do that if I do not have a way to work. I have called this morning the young man AGAIN had no empathy and just hold the phone into you hang up. I WILL NEVER REFER ANYONE TO THIS BANK. ONCE THIS INVESTIGATION IS OVER I WILL BE CLOSING MY ACCOUNT. Thank you so much for listening. I pray that you can help me.
Consumer complaint received 2020-04-08
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. (PA)

Hello, I have recently been laid off due to the COVID-19 Pandemic. I am no longer a college student and was working full time. My loans are now in forbearance which I'm grateful for. However, I was not aware that I had upcoming payments due and that I was coming out of grace period. This was due because I rarely use the email that is on file in which FedLoan sends those alerts. As a result of this, I was reported missing XXXX payments which dropped my score by more than 100 points. Once I discovered I was out of grace period I immediately got caught up on my payments and enrolled in autopay.
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (FL)

Ive sent in a dispute letter with my facts and law in regards to the inaccuracies and violations contained on my consumer report well over 45 days ago, and Ive yet to receive any investigation results back from the XXXX reporting agencies, XXXX XXXX, Equifax, and XXXX. The law clearly states, failure to investigate and get me back my results within 30 days, give reason to immediately deleted those items that shouldnt be reporting on my report. I feel like Im being taken advantage of and would like for the reporting agencies to delete these accounts immediately so I can continue to move froward and provide for my family. Thank you in advance.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on all incorrect information on my credit report with Equifax. this has effected my deeply. I need all information reviewed correctly to determine all info needed to be deleted. this has hindered all 3 credit bureaus delete all listed items on the file to help clear my credit report.
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020 Experian received a letter from myself stating to investigate some accounts that were closed on my credit but since as of now XX/XX/2020 I have not received any conformation of them to if they had been removed or cleared from my credit report. So on XX/XX/XXXX of 2020 they received another from myself stating that they have not cleared anything and have not gotten any response from them within the 30 days that was stated on the letter and it was a violation on the XXXX ( 8 ) debt collection practice act. 

I up to this date have not heard any response from them at all.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

On XXXX Upon checking my score with Experian i noticed my score dropped XXXX to a score of now XXXX points due to " an account 60 days past due or derogatory indicator '' However my credit summary reflects a perfect payment history and my score at XXXX and XXXX as well as my personal banking credit score does not reflect any derogatory indicators and my score through these reporting agencies reflect XXXX respectively. 

I have contacted Experian approximately 20 times to resolve this issue and have not been provided with a solution to why this is being reported upon logging into the Experian app. This situation has caused me an enormous amount of stress. I should not have ANY derogatory accounts or missed payments on my credit report When i attempt to dispute this with Experian they transfer me to different departments and refuse to remove the derogatory indicator from my credit summary. The Derogatory indicator is not linked to any specific account it simply is just posted to my credit summary. When I attempt to view my payment history my rating has changed from " Exceptional '' to " Good '' with a last missing payment date of " Unknown ''. 

This is false reporting on my Experian Account.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a loan with CAP1/XXXX XXXX. I have always made my payments on time. For some reason, I realized that this account is still being reported on my account by the Credit Bureaus. I've already pad this account. As you can see, there's no balance on this account and the status is already paid. Also, the payment history of this account is inaccurate. I've already send requests to remove this account but after 30 Days, I didn't receive any response or changes. Please investigate this matter. Otherwise, remove this account for legal accuracy.
Consumer complaint received 2020-04-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Due to the recent COVID 19, I applied for a payment deferral for the month of XXXX and XXXX due to my work hours being cut in half. The deferral will not granted until XX/XX/XXXX. I was advised by the XXXX XXXX personnel from XXXX XXXX XXXX XXXX to file a complaint to remove the negative mark from my credit.
Consumer complaint received 2020-04-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due to the recent COVID 19, I applied for a payment deferral for the month of XXXX and XXXX due to my work hours being cut in half. The deferral will not granted until XX/XX/XXXX. I was advised by the XXXX XXXX personnel from XXXX XXXX XXXX XXXX to file a complaint to remove the negative mark from my credit.
Consumer complaint received 2022-02-18
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: Elevate Recoveries, LLC (CA)

XXXX XXXX XXXX is the medical company stating I owe them but they closed during the pandemic. There was no phone number, email, social media account or way to contact them. I was on a payment plan and could not get an updated bill. I have reported them with the XXXX ( if you look you can see so have many other people ) and event at the state level in Texas where it was located. XX/XX/XXXX XXXX XXXX XXXX XXXX sent me a collection bill. Within days I sent a dispute letter certified mail. I then saw on my credit report had a collection listed for XXXX from XX/XX/XXXX. So they had reported me to the credit bureau before validating the debt within but it is under a different company called Elevate Recovery XXXX LLC which I have not received communication from before. XXXX did not respond within 30 days to my letter. XXXX just now ( XX/XX/XXXX ) sent me the first correspondence not addressing my letter but a bill statement amount different than the credit reporting amount.
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Moved from apartment and paid everything that was owed. Two months later, got a letter from IQ Data International saying I owed {$45.00}. A month later, got another letter from IQ Data International , Inc., saying I owed {$95.00}. I wrote a letter disputing the debt and asking for a verification from the apartments. A month after that, got another letter from IQ Data International , Inc., saying I owed {$150.00}.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (CA)

I received a 1099-C on XXXX with amount of {$58000.00} from a collection company, Ditech , but I dont know what its all about. 
I went to a credit company and pulled my complete credit profile to see If I have anything about it there but I couldnt find anything like that. 
I wrote a certified letter on XX/XX/XXXX with a return receipt ( received on XX/XX/XXXX signed by XXXX XXXX ) I havent received any responses from them in what it was all about. 
Since it is a 1099-C, I feel threatened by it and I dont know if I need to file it in my XXXX Tax return? 
Please let me know at your earliest convenience, I am nervous about it.
Consumer complaint received 2021-12-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (VA)

In XXXX of XXXX i was struggling with XXXX and I missed a payment of the amount of {$1800.00}. I called Planet Home Lending to let them know of the situation. I was scheduled to pay it off in XXXX. I paid off my mortgage for both XXXX and XXXX in XXXX. I have never missed a payment since closing on the home in XXXX of XXXX. I would like to dispute this as this has caused a negative impact on my credit when something shouldve been done. I have tried calling Planet Home Lending to see if anything could be done and they said that there was nothing.
Consumer complaint received 2022-11-07
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/XXXX, I accepted a payment of {$860.00} from our customer through a XXXX XXXX terminal, using my XXXX XXXX as a hotspot. The payment was credited normally and the money transferred to our bank account. On XXXX XXXX, I noticed that my XXXX  showed that my Goldman Sachs card had recorded a purchase of {$860.00} on XXXX XXXX, and the merchant listed was our own company. I initiated a dispute, XXXX, that same day, by chat in XXXX, and forwarded a copy of our XXXX statement as documentation. I was told that a dispute would be opened with the merchant, XXXX XXXX XXXX XXXX. Our own business name is XXXX 's. We were not contacted about this, as the merchant. They believe that we are the buyer as well as the seller, however they have not properly investigated this or they would see the absurdity of it. 

On XX/XX/XXXX XXXX requested more information by XX/XX/XXXX. I replied by email that same day, explaining what happened, and why the charge was in error, again including our XXXX documentation. On XX/XX/XXXX I received an email that the dispute XXXX, was not resolved in our favor. The {$860.00} was again added to our billing statement in XXXX. The explanation given was " The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase ''. But we made no such purchase, and we are the supposed merchant! 

I submitted a new dispute on XX/XX/XXXX, XXXX, in a recorded phone call and received acknowledgement on XX/XX/XXXX, and a request for more information came on XX/XX/XXXX. I mailed a lengthy reply with documentation by XXXX to the address indicated, XXXX XXXX, XXXX, PA, but it was returned almost two months later as " undeliverable ''. I then re-mailed it to Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was delivered to them on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received an email that the dispute was not resolved in our favor. 

I then disputed it again, XXXX, on Sunday, XX/XX/XXXX and mailed by XXXX certified mail a detailed letter and documentation. I included as before a copy of our PA sales tax license, our home improvement contractor 's PA license, Transaction details from the XXXX payment of XX/XX/XXXX XXXX receipt showing the last XXXX digits of our customers XXXX payment dated XX/XX/XXXX Copy of our invoice XXXX to our customer that was paid, documenting the amount Photocopy of the front and back of our XXXX terminal I have no confidence that this third dispute will be resolved in our favor, and I have contacted a local attorney to represent us against Goldman Sachs.