davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (AL)

Stayed overnight XX/XX/2021. 1 night in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. XXXX. 

I was charged 4 nights @ {$180.00} each and refunded only 1 night. I contacted the Hotel, which said they would look into the issue and process the refunds. 

I then contacted Goldman Sachs, regarding the unauthorized charges. They immediately marked 2 of the transactions for review. I contacted them further after two weeks time, I was informed that processing of the transactions in review could take up to 90 DAYS. 

Several transactions have since occurred, but my usable balance does not accurately reflect on my XXXX XXXX causing confusion, and hinders my ability to adequately determine the exact payment, and refund status that occurred for the overnight stay of the XXXX. My monthly transactions shows 6 travel related expenses for a single overnight stay including ; {$9.00} for refundable cancelation at the time of booking. 
{$180.00} XX/XX/2021 the above charges are the only valid transactions. 

{$180.00} XX/XX/2021 Transaction in review {$180.00} XX/XX/2021 Transaction in review {$130.00} XX/XX/2021 Card number used {$1.00} XX/XX/2021 Card number used My complaint is that transactions are immediately posted when it comes to charges to my account. HOWEVER, transfer of money, refunds and disputes ( often with charges ) take several days to several months to complete. 

In a world where technology can transmit at the speed of light ( proven with every charge or payment, transfers, refunds and disputes are impossible to resolve in any reasonable time. 

I've sent my complaints to my Representatives, and complained directly to the companies involved. 

I view this as an unacceptable practice, and have lobbied to have better response to issues, when Banks and Credit Card companies need to refund at the same speed and efficiency as they post sales, and collect interest.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I am writing to dispute the sudden appearance of a fraudulent account on my credit report. I recently obtained a copy of my credit report and was dismayed to discover the presence of an unauthorized account that is negatively impacting my credit score. 
Below are the details of the fraudulent account : XXXX XXXX PLEASE DELETE!!!! 
I have attached copies of relevant documents supporting my claim, including but not limited to a copy of my identification, proof of residence, and any other documentation that may assist in your investigation. I did not open or authorize this account, and it has been listed in error on my credit report. 
I am formally requesting an immediate and thorough investigation into the matter and the removal of this fraudulent account from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to conduct a reasonable investigation into the accuracy of the information on my credit report. 
Remove the fraudulent account from my credit report. I also request that you provide me with a corrected copy of my credit report once the investigation is complete.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2021-09-28
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. (MO)

On XX/XX/XXXX I sent a dispute letter along with a letter from the courts certified mail to dispute a bankruptcy on my credit report with Experian, XXXX, and XXXX stating that the courts does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. Experian along with XXXX sent me a email stating the information was Valid! It will remain until XXXX.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (DC)

XXXX was informed of a pair of airpods that were purchased from XXXX for {$310.00}. The cost of the merchandise is {$240.00}. The merchandise was also defective. 
The seller when informed of the price and defect within warranty refused to take the item back. Upon informing XXXX of the vendor, they said it was an XXXX corporate issue. XXXX has not responded. XXXX was only able to make good a partial replacement. The item had to be taken back by XXXX. Upon informing XXXX, there was no response. 

PNC Bank from where I used my debit card to pay the amount, refuses to dispute the transaction providing vague statements. See attached. 

Per the law, if merchandise is sold outside of the price advertised and is defective, the consumer has a right to fair procedural protections in the XXXX.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/22 XXXX purchases a blue bird card for personal use when I informed the rental company to Charge the card on XX/XX/22 I was informed the card was Declined. the next day I spoke with XXXX about the situation I was told it was Declined cause I use it Immediately. I then stated whats the Use  of purchasing a Prepaid card for if you can not use it immediately thats the Purposes. then XXXX Pretend to contact the company told me on that day the company said Since I was using the card immediately it would take 30 days? Still no reimbursement pass 30
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

Today on XX/XX/2021 I got an e-mail from AmEx saying they were closing my account. When I called them they said the reason they did so was because I has serious delinquencies on my record. So if said serious delinquencies were a thing on my record why did they even give me a card in the first place?
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian and XXXX they continue to report a balance on closed account They failed to provide verification of accounts which could not be verified also by the reporting company XXXX XXXX reopened and account status that was once reported closed, they continue to do so and reset the statue of limitations which is against the law. They continue to report account verified that could not be verified by the reporting company XXXX XXXX.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Subject : Inaccurate Debt Collection Attempt by XXXX XXXX XXXX for XXXX Account Dear Equifax and XXXX, I am writing to address a concerning issue regarding inaccurate information on my credit reports from both of your bureaus. Despite successfully removing the original account named XXXX from all three credit bureaus, I have recently encountered attempts by a debt collection agency, XXXX XXXX XXXX ( account number XXXX ), to collect a debt that no longer exists on my credit reports. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of consumer information reported by credit bureaus. I took appropriate steps to dispute and remove the XXXX account from my credit history, and it is alarming to discover that XXXX XXXX XXXX is now attempting to collect a debt that has been resolved. 

The sequence of events is as follows : I initially disputed the XXXX account due to inaccuracies, and it was successfully removed from my credit reports after investigation. However, XXXX XXXX XXXX has recently initiated collection efforts for this same debt, which has caused undue stress and confusion. 

I request a thorough investigation into this matter by Equifax and XXXX. XXXX XXXX XXXXXXXX XXXX attempts to collect a debt that has been removed from my credit reports must be addressed promptly and in accordance with the FCRA. 

I appreciate your attention to this urgent matter and trust that you will take appropriate action to rectify the inaccuracies on my credit reports. Please keep me informed of any developments regarding this issue. 

Thank you for your assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AZ)

I originated a VA home loan with XXXX Mortgage. This loan was sold to XXXX and is serviced by Flagstar Bank. XXXX Mortgage tells me the loan was sold XX/XX/2021 with an outstanding principal amount of XXXX. Flagstar tells me the loan was received with an outstanding balance of XXXX. When I call XXXX they tell me there is nothing they can do about the discrepancy. The confirm the outstanding balance when the loan was sold as XXXX. When I call Flagstar they confirm the starting outstanding balance when the loan was purchased as XXXX and there is nothing they can do about the discrepancy. Neither company is willing to contact the other so I am stuck in the middle of two parties who will not speak to each other. I feel I have lost {$930.00} and I want to find it.
Consumer complaint received 2019-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MA)

When my wife XXXX XXXX passed away last year, I closed this account as a authorized user not a joint account owner. I received a letter they can not prove I was an joint owner. However, my credit report still shows me as the responsible debit owner. I like this corrected, and have files disputes with Chase Credit Card and credit bureaus.
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: L.B.Gray LLC A Debt Collection Agency (IN)

I co-signed a rental agreement for my daughter XXXX XXXX in XX/XX/XXXX. She lived at the property the term of the agreement and moved out on XX/XX/XXXX. Landlord had agents present when we vacated the property and no problems were identified. There had been no damage, just normal usage, normal wear and tear.. XXXX called multiple times about getting our deposit back and was told it would be mailed but it never was. 

We then hear nothing until XX/XX/XXXX when a collection agency mails me saying we owe {$1900.00}. I replied on XX/XX/XXXX and again on XX/XX/XXXX ( certified # XXXX ). My letters specifically stated we disputed the debt and they were not to contact us again. I have received harassing phone calls in XXXX and continuing into XX/XX/XXXX. ( The XX/XX/XXXX call was around XXXX. ) These calls are from an automated system giving a call back number of XXXX.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (GA)

This credit reporting agency shared my personal information without my written consent and did not inform me that they were selling my personal information to other companies. That is Identity. This reporting agency does not abide by FCRA laws.
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (TX)

the dates on my credit report that where marked late are, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

the payment amount was {$880.00} the reason for the payment being late was from covid, and medical issues. after making my account current and paying all late fees, I sent a certified letter to ford motor credit to see if they can remove these in good faith because it really impacted my credit and they said sorry you had covid but we will not help you.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (PA)

I have student loans with Dept of Ed/Navient. I was marked late on XX/XX/2017 as 90 days delinquent, but I was not late. I disputed through Navient 's website back in 2017 after I originally saw the reporting also called in, they stated it would be removed from all loans. It is appearing on all three of my credit reports that I pulled from XXXX/XXXX/and XXXX. I should of been in a deferment/forbearance status at this time and reported as No Data/Information for this month, it was not processed in time, the late reportings need to be removed from my credit report with all 4 credit agencies ( including XXXX ). The account numbers are as follows :
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I have been in constant communication with Experian regarding the errors and inaccuracies on my consumer credit report. Experian needs to provide documentary evidence for all investigations completed on my investigative consumer report, consumer credit report and consumer credit file. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX , CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX , CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX , CA with a 'XXXX ' added to the spelling of my name. 

I received an email update from Experian dated XX/XX/21 indicating the dispute results were complete. The dispute results now lists my name and address incorrectly. These errors compromise my credit as mail will be sent to an incorrect address and I am exposed and could be subjected to identity theft. 

There are no new accounts that have been added to my consumer credit report within the last 90 days so there should not be reason for my current address to be removed completely and replaced with an incorrect address. I have never extended my credit to any company with the name variations listed on my consumer credit report.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (DE)

I have had XXXX XXXX  consecutively every month since XXXX of XXXX. When moving from XXXX Delaware to XXXX Delaware, they ( XXXX ) transferred my services to the new address. I still have current services with them about {$250.00} per month, for some reason they reported me to collections for an amount of {$93.00}. They have been no help with this matter. I continue to ask them how is it I have current services if I had owed you {$93.00} from XXXX?
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My home at XXXX XXXX XXXX. 
XXXX XXXX Ca XXXX Was foreclosed in XX/XX/XXXX after being denied modification-Although, XXXX XX/XX/XXXXapproved my modification.

I believe I was wrongfully denied.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: General Motors Financial Company, Inc. (MI)

We recently purchased a vehicle using GM Financial, and after a few weeks owning it, the van was totaled, and when we went to file the claim, we found that the insurance company never transferred the collision to the new van as they were supposed to. Once GM Financial found out about, they shutdown communicating with us. They told us many times that we are " XXXX '' and " XXXX '' and other awful names. Whenever we'd call, they played their phone games where they'd put us on hold for an hour+ each time, and then the call would get " accidently dropped '' or someone would come on, and then put us on hold again for an hour+. 

When we finally got someone to talk to us, they told us we needed to give them our totaled van back and they would auction it off and put it towards what we owed. They never told us that that would be considered a repossession on our credit. When we asked why no one told us, they denied it. We asked for the van back, but they refused to let us have it. 

And now, they won't accept payments from us, but they are continuing to charge us late fees and report it to the credit bureau. Still no one will answer why. We go back to the transferring and dropping calls games. 

So they are intentionally destroying our credit and racking up late fees when we want to pay. 

Acct # : XXXX