davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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: GOLDMAN SACHS BANK USA (FL)

According to 15 USC ( section ) 1666B Goldman Sachs is in violation for billing errors. 

I Am reaching out in regards to information on my Credit report that It is reporting negative information which is affecting me tremendously. I found an article proving Goldman Sachs are wrongfully reporting credit info from CFPB article on Goldman Sachs. Please update my Payment history to 100 % on time. 

Also, I would like to add that In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

Please update my Payment history to 100 % on time.
Consumer complaint received 2021-08-17
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: World Omni Financial Corp. (GA)

I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX toyota finance company this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX-debit to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons
Consumer complaint received 2018-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

The company ROUND POINT, was suppose to make my home insurance payment, but they sent the check to the wrong address, or so they say. They wanted me to issue another check, but they made the mistake I tried to speek to someone in the office, but they were giving me the run around, I was STRESSING out. I wanted answers, that's why I contacted your company, PLEASE HELP ME. I want some action takin to this company!!!
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/19 My wife and I had about XXXX dollars in my bank of america joint account.. At about XXXX o'clock she notified me about the account being -XXXX . When I tried to log on to my account, it asked me for my social and card number which I tried to input and it did not let me ... when I finally was able to get someone on the phone the told me that Bank of America made a business decision to close my account ... We've never had that type of money and they will not give us an answer for why pr how our account is like that ... While I was on the phone my wife was in our branch and was being told the same thing.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX my credit card was a victim of fraud per Bank of America. They ordered me another card ending in XXXX but refused to tell me what merchant it was. Stated that they can't release that and merchant is allowed to operate with less than top security level on their point of sale equipment until hack occurs then they are forced to get top security. This means that anywhere I go could be saving money and using less than top security point of sale equipment and then bank can refuse to tell me who merchant was so I can go back, not knowing, and be a victim with another card. Next on XXXX XXXX XXXX, I had a transaction with XXXX  for a ride to and from a friend 's house that I paid for, including tip and it was collected by lift off Bank of America card and then 2 days later they temp authorized two other charges. I tried to dispute and Bank of America rep refused to open a case disputing this giving me excuses. This is my second complaint on them. The first complaint someone from Bank of America called me left 2 messages saying they needed info, I called back they never called again and made no effort to do anything.
Consumer complaint received 2021-08-17
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: Bread Financial Holdings, Inc. (FL)

Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report. The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.
Consumer complaint received 2022-08-27
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: FIRST NATIONAL BANK OF PENNSYLVANIA (AZ)

in accordance with the fair credit reporting act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (FL)

i would like to inform you that your office is at fault as of XXXX XXXX and being held liable for violating my rights under fair credit reporting act.you are reporting inaccurate information on my consumer credit report.the 3 credit reporting agencies TRANSUNION, experian and transunion are in violation by reporting false inaccurate information on my consumer credit report by reporting numerous collection accounts : XXXX XXXX XXXX XXXX open on XXXX XXXX for {$2500.00} .XXXX  XXXX XXXX opened on XXXX XXXX {$980.00} XXXX XXXX XXXX opened on XXXX XXXX {$420.00}, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system XXXX b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.i previously sent all three credit reporting agencies letter sent to remove these false inaccurate collections accounts reporting on my consumer credit report. and have NOT received a response back from not one agency this is a upmost disrespect by these agencies, these inaccurate collections accounts that i have had know knowledge of have been causing me pain and stress and alao is causing me " DEFEMATION TO MY CHARACTER " and need to be removed and deleted ...
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Based on the FCRA 15 USC 1681 ( 5 ) ( A ), the account with XXXX XXXX has several violations which include : Account Holder Information : - Varying levels of redaction for the account number across the three credit bureaus. 
- Difference in the length of the account number between Experian and XXXX. 

High Balance : - The high balance amount is different between Experian, XXXX, and XXXX. 

Monthly Payment : - The monthly payment amount is different between Experian and XXXX. 

Last Reported Date : - The last reported date is different across all three credit reports. 

Responsibility : - The responsibility status is consistent across all three credit reports.

Past Due ( 30/60/90 Days ) : - There are differences in the number of days past due for each credit bureau, indicating potential inconsistencies in reporting. 

Remarks : - The remarks on the account are consistent but provide important details about the account 's history.
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I used XXXX 's services again on XX/XX/2022 and a transaction was canceled and I received an email from XXXX that you will receive a refund within 10 business days, time has passed and the refund has not been made to my bank account, call XXXX support XXXX and they do not give me a solution to my case telling me that the charges were not made and I have proof that the charge was made take a screenshot of my bank account where you see that the funds were withdrawn from my account that is to say there is a abuse of manipulation of funds by the XXXX company giving false information to the client in situations like mine from technical support and XXXX makes misleading advertising by saying that their refunds are given in 10 business days many people like me who use the money transfer system suffering this type of fraud and they suffer this type of abuse from XXXX I hope for a solution since the money I send is money from my work and effort and it is not XXXX This is lost due to inefficiency of an unstable system
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (TX)

Iwastheco-signerforanautoloanwithWestlakeFinancialServiceswhichwasopenedonoraboutXX/XX/XXXX.ThevehiclewasthenvoluntarilysurrenderedonoraboutXX/XX/XXXX,duetoconstantmechanicalrepairs.Approximately7to10Kworthwithintheyearoftheownershipofthevehicle.Thecreditordidnotsendanyonetopickupthevehicle,untilXX/XX/XXXX.Furthermore,myXXXXandXXXXreportdonotmatchthecorrectinformation.XXXXhaslistedthattheaccountwasclosedXX/XX/XXXX.XXXXhasthattheaccountwasn'tcloseduntilXX/XX/XXXXandtheyhavelistedfalselatepayments.Wethenreceivedaletterdisclosingtheamountforwhichthevehicleitselfwassoldatauctionfor.Theamountshowndidnotaddupfortheamountthatwasstillowedbyus.Theyhavefalselyreportedthattheaccountwasarepossessionwheninfactitwasavoluntarysurrender.
Consumer complaint received 2023-07-31
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. (FL)

I am not liable for any inquires reported on my credit report nor did i authorize any of these accounts which added inquiries to my credit report. The following accounts stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022. I do not have a contract with any of the above named companies and they did not provide the contract as I requested because they do not have one yet the credit bureaus has not removed these inquiries from my credit file.
Consumer complaint received 2022-08-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Braviant Holdings, LLC (NM)

I have never applied for a loan. I never opted in to receiving prescreen offers from this company its affiliates or any other company/agency. I have had a credit freeze in place since prior to 2019. Receiving any solicitation in any form or via any venue was not authorized and needs to stop forever and not restart. I have reported this error to no avail. XXXX XXXX & XXXX. 

It is fraud and a violation of my privacy receiving the solicitation in the first place. It is an egregious error requesting more information to stop sending the unwarranted solicitation. That is completely unacceptable. 

request to stop are documented since 2019. Balance credit has not honored the opt out in any venue.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX I received an AARP Chase credit card with rewards. I have periodically redeemed the rewards to the monthly payment. On XX/XX/XXXX with a minimum due of {$78.00}, the reward of {$84.00} was redeemed and posted to my card account. Then a {$35.00} late fee was posted. I called customer service and spoke to XXXX who adamantly told me " Rewards can not be used for a minimum payment. '' The 5-fold brochure I originally received with my new card, dated XX/XX/XXXX, advised that rewards may be used for merchandise, AARP membership renewal, travel, gift card and cash ( as checking account deposit or to be applied to the statement ). I have not received any other redemption terms since the one in XX/XX/XXXX.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (WA)

Synchrony has been charging me {$55.00} for months that have nothing to do with what I have ever owed. I had an HSN card which Synchrony Bank takes charge of payments. But the {$55.00} has never had anything to do with any HSN purchases ever. This amount is totally separate from what I have owed HSN. They charged this amount for a number of months when I owed HSN absolutely nothing and are still charging me the erroneous amount monthly. They take this money from my checking account and are instructed to only charge my XXXX XXXX card for HSN purchases since XXXX, XXXX. They also deducted {$30.00} in XXXX, XXXX from my checking account which is another total erroneous charge. ( I contacted XXXX Bank XXXX Department. ) I also remember seeing a deduction of over {$65.00} in the past. I cancelled my HSN card on XX/XX/XXXX, and stopped automatic payments with Synchrony Bank. This only resulted in a past due amount of {$120.00} with Synchrony Bank which is the {$62.00} that I owe HSN, PLUS the erroneous charge of {$55.00}. " {$120.00} Current Balance and {$55.00} Statement Balance. Today ( XX/XX/XXXX ) I paid Synchrony Bank the amount that I truly owe - {$62.00} in an online payment from the only place it allowed - my checking account. I was not able to pay it on my XXXX XXXX card. THESE FRADULENT CHARGES BY SYNCHRONY BANK MUST BE STOPPED IMMEDIATELY!!
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Receivables Network (NY)

On the XXXX of XXXX I received a notice in the mail that I owe {$320.00} for a debt for an account with XXXX XXXX XXXX in XX/XX/. 
I have no account with XXXX XXXX XXXX, and I never carry debt. I do not support usury. 
The letter was sent by a company called Sage Capital Recovery. They gave me a Sage reference number of : XXXX Knowing that the letter was phishing for information to get into my bank account, I filed it away. 
Today a woman called and behaved roughly on the call, and hung up when I mentioned fraud. 
The company lists an address of Sage Capital Recovery XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX The number the offensive woman called from is XXXX I recently unfroze my XXXX  account briefly to allow a merchant to check my credit for a credit card -- I never carrry a balance forward on credit cards even -- so it is possible that there was a security breech at that time. 

Please prevent Sage Capital from perpetrating further chicanery against me or others. 

Thank you for your time and attention.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc. (OH)

Someone stole money from my account. It made is XXXX I had some money in my account then this ather amount came through making it to be negative. So they took what was in my account and left a remaining negative balance of XXXX XXXX dollars and some change. So then a few days letter cash app gives me a credit of XXXX dollars and took that money and made my account positive. Now Cash app for the XXXX from. XXXX bank account. So then that 2 amounts added together equal XXXX. So that is 1 the credit that cash app gave then took cause my account was negative, then they got the money from XXXX  bank account bank account. So cash app was supposed to split that up. XXXX goes to my bank account and the remaining XXXX goes back to them. Bit that didn't happen they kept both amounts. I've looked at my statements and there is nothing showing the gave me what they took from krogers bank account. Plz help me get my money back, cash app thanks they can just steal ppl money. Thanks
Consumer complaint received 2020-02-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION, XXXX, and XXXX  each has reported a collection account including from XXXX XXXX XXXX   ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and any other putative creditor in connection with hospital care related to her minor children. All those medical services are required to be covered under California XXXX XXXX XXXX XXXX XXXX ( XXXX ). TRANSUNION, XXXX, XXXX and their medical professional agents fail to understand that as a patient undergoing non-elective treatment they are a ward under the physicians care. In other words, a baby rushed to the emergency room because of a high fever simply can't receive a hospital bill later because the attending medical staff merely overlooked the health insurance mandate for children in the state of California and failed to enroll them.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello On XX/XX/2019 XXXX *XXXX XXXX CA Type Purchase in the amount of {$930.00} On XX/XX/2019 BOA ADJ/XXXX XXXX  Type Bank Transaction I asked for a charge back - {$930.00} On XX/XX/2019 BofA reinstated the charge Case number XXXX BofA Credit card Chargeback services sent me a written letter Post marked XX/XX/XXXX First class mail from Delaware Zip code XXXX to my zip code XXXX, in other words from the corner of America on the East Coast to the bottom of America on the other side and expected me to reply by XX/XX/XXXX. So they expected a letter sent first class to get to me in 3 days and i would be able to fill it out. I didnt receive letter until XX/XX/XXXX and sent them a fax that day ( however i dated it as XX/XX/XXXX, I thought it was XX/XX/XXXX). They then ruled against me in charge back and applied {$930.00}. 
This is totally unfair and written correspondence going from coast to coast should be given at least 1 week response time. I have the postmarked letter dated XX/XX/XXXX and the letter stating i need to reply by XX/XX/XXXX 8th
Consumer complaint received 2023-08-01
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: Medical Data Systems, Inc. (GA)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2022-07-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, 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 a account without my written instructions