davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (PA)

I always make payment of my Apple Card in full using my phone on the due date. There is only XXXX bank account in my Apple Wallet. I have made payments in this manner and from this account from at least XX/XX/XXXX. I made a payment in this manner on XX/XX/XXXX. My phone showed that my payment was successful. I left on a business trip and had no reason to use my card again until I returned on XX/XX/XXXX. My card was denied when I attempted a purchase. I checked my email and saw that the payment was denied. The email showed that the issuer attempted to take the payment from an account ending in XXXX which is not the account in my Apple Wallet. Realizing there was an error by the issuer in processing the payment, on XX/XX/XXXX I made the paymentin the same manner as described above using the account in my Apple Wallet. This payment was successful. 

I called customer support on XX/XX/XXXX to explain what happened. I was advised that I had been charged {$92.00} in interest because of the late payment. I asked that the interest be waived because the failure to process the payment on time was the result of the issuer using the wrong account. On XX/XX/XXXX Customer Service told me there would no waiver because I used the wrong account. I asked to speak to a supervisor who said they would ask for a waiver based on the circumstances. After that call, I checked my Apple Wallet and confirmed there is only XXXX bank account linked to the wallet. I called back Customer Support and they confirmed there is only XXXX bank account in my Apple Wallet. They updated the notes on my file. I spoke with a supervisor again on XX/XX/XXXX who told me that they would not waive the interest. He agains asked for a review of the matter based on our discussion. On XX/XX/XXXX I was again told that the interest would not be waived. Before filing this complaint, I was told I could schedule a call to discuss the matter with a higher level. That call was scheduled for noon on XX/XX/XXXX. I have not yet had a call from the issuer. 

I have repeatedly asked the issuer for a written response on their position and how I could have made a payment from a bank account that is not in my Apple Wallet. I have never received anything in writing. The people I have spoken to have said they can not see any information on how a payment was made. I asked for contact information for someone who could confirm that information and was told that consumers can not contact the people with that information.
Consumer complaint received 2023-07-28
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting information as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX Balance : {$810000.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00} ; XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (TX)

Upon reviewing personal credit report, found entries from Trident Asset Management. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: HSBC NORTH AMERICA HOLDINGS INC. (RI)

About three years ago my wife became XXXX and applied for Social Security XXXX. She has an attorney and a solid claim, but is still waiting for a hearing. 

Additionally, we began receiving death threats from a XXXX XXXX person and had to relocate from XXXX to XXXX XXXX   at our own expense. 

These two factors coupled with our son 's need for XXXX not covered by insurance have caused us to deplete our savings. 

Because my wife can not work, our income is decreased and has been for more than three years. I work a full time job but we still have a financial hardship. 

I have contacted the credit card company repeatedly to ask to participate in their hardship program but there has only been a " we will get back to '' for a response. 

I truly need help so as to not default while we are waiting for my wife 's XXXX to be approved.
Consumer complaint received 2021-07-14
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: Bread Financial Holdings, Inc. (NJ)

the following accounts that appear on my credit report are not mine, check them out Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
1. Identity Theft CB/ANNTYLR Account Number : XXXX This is not mine. 

2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

3. Identity Theft CB/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have entered a dispute to have this BK removed from my credit file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AR)

ONCE AGAIN XXXX XXXX XXXX AND XXXX HAS FAILED TO RE-INSERT MY ACCOUNTS BACK ONTO XXXX. THEREFORE NOTIFY ALL BUREAUS TO DELETE ALL MY ACCOUNTS AT ONCE OR BE SUED IN CLASS ACTION EFFORTS. XXXX  HAS SUPPRESSED MY FILE SINCE XX/XX/2015 VIOLATING THE 15 U.S.C. SECTIONg and you are violating the credit furnishers laws. 

see attached.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (PA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

BBY/CBNA XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

ONCE AGAIN CAPITAL ONE BANK AND XXXX HAS FAILED TO RE-INSERT MY ACCOUNTS BACK ONTO XXXX. THEREFORE NOTIFY ALL BUREAUS TO DELETE ALL MY ACCOUNTS AT ONCE OR BE SUED IN CLASS ACTION EFFORTS. XXXX HAS SUPPRESSED MY FILE SINCE XX/XX/2015 VIOLATING THE 15 U.S.C. SECTIONg and you are violating the credit furnishers laws. 

see attached.
Consumer complaint received 2018-11-26
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: CURO Intermediate Holdings (TN)

This account has been disputed and creditor and credit bureau failed to respond to my compliant. Also they have failed to provide any documentation in regards to this account. This account is problematic and i need it to be removed>>>>
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

tried to cancel an order and amazon asked seller to do so, the seller refused, so Amazon told me to dispute the order, NOW amazon said they cant help because I disputed shipper showed ship item on XX/XX/2022 item was not shipped until today and because Amazon told me to dispute the item they can not help Hello, We've been contacted by a customer regarding the order identified below. 
-- -- -- -- -- -- -- -- -- -- Order # : XXXX Item : Reason : Where's My Stuff? 
Details : Hello, We've been contacted by a customer regarding the order identified below. 
-- -- -- -- -- -- -- -- -- -- Order # : XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collect Reason : refund. 
Details : there is a chargeback if a refund is submitted a chargedback will be take off. 
Please research the issue and contact the customer. 
-- -- -- -- -- -- -- -- -- - To respond to this customer, please reply to this e-mail or visit your seller account at the following link : XXXX XXXX XXXX Sincerely, Customer Service Department Amazon.com http : //www.amazon.com ( http XXXX //www.amazon.com/ ) -- -- -- -- -- -- -- -- -- - To respond to this customer, please reply to this e-mail or visit your seller account at the following link : XXXX XXXX XXXX Sincerely, Customer Service Department Amazon.com http : //www.amazon.com
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance {$530.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$150.00} XXXX  XXXXXXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX  Balance {$530.00} XXXX  XXXXXXXX XXXX Balance {$150.00}
Consumer complaint received 2024-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (DC)

Marcus ( Goldman Sachs ) advertises their high yield savings accounts as a place to save a down payment for a home purchase. However, they refused a wire transfer to the title company/escrow account. They claim that wire transfers are on a " case-by-case basis, '' but refused to give any details on how to qualify to make a wire transfer.
Consumer complaint received 2022-07-26
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. (NC)

In accordance with Fair Credit Reporting Act XXXX for an XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX for XXXX XXXX Bank Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account 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 an account without my written instructions.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, US SM BUS ADMIN ODA, 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
Consumer complaint received 2019-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

The servicer offers no options to make a payment via phone over the weekend! If you travel or work and the weekend is the time you have, the serviced should offer the automated payment option. When you call the XXXX # that is on the bill, they state that there is a automated system 24 hrs a day then it gives hours of operation ( m-f ) then it hangs up. The option that the servicer does offer is payment online but not all of us have internet capability! Also the online option does not offer payment by debit card. So not only does the borrower have to go find internet access, the are only given the option of paying by checking or savings acct # and routing # which is not normally info that someone carries around with them when they travel or away from home. If they wont over automated system for pay by phone 24 hrs as they advertise then they shouldnt be charging late fees for borrowers that dont have access to the internet and those who dont have the checking or savings # readily available
Consumer complaint received 2019-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY (TX)

I received a refund for an broken item purchase on eBay from XXXX on XX/XX/XXXX shows up refund credit {$30.00}. But XX/XX/XXXX the fund is being held for merchant credit held for review. " American Express national bank ''. My prepaid bank account has started holding refunds for an additional 7 days and I don't even write checks or give them any reason to hold the funds my account is in good standing.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Chex systems is showing the wrong dates for XXXX  XXXX XXXX, it has already been over 5 years and should have been removed from my Chex system file. This erroneous information is not allowing me to open a savings account at my institution of choice. Thanks.
Consumer complaint received 2021-07-13
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. (NY)

I didn't get notification regarding the disputes I sent for the following accounts I listed. It has been several months since I'm disputing these accounts : XXXX XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX XXXX  ( XXXX  ) inaccurately recorded a late payment on my credit history. The inaccuracy XXXX  recorded was for XX/XX/2018  and has negatively impacted my score. This is report is incorrect. I spoke to several representatives in attempts to close my account and received incorrect information. I was initially told that my payment was received and processed and there would be no issues with moving forward to closing my account. Which I learned was not closed until XXXX due to their delay. Then I learned that XXXX  inaccurately reported a late payment to my credit history. My payments on the now closed account were not late. The account balance was fully paid off with no late payments. I have tried reaching out to XXXX, Transunion, and XXXX companies and disputes were filed.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I filed a dispute with ChexSystems recently after receiving a copy of my report. There was a credit union by the name of XXXX XXXX XXXX that said I owed them close to {$600.00}. I disputed that because that was included in a bankruptcy years ago. 
When I received the response from ChexSystems they told me that they had contacted the United States Bankruptcy Court to verify that it was included in a bankruptcy and it was. I have a serious issue with their response and here is why ; 1. That particular entry has been in my ChexSystems report since XX/XX/2015. 
2. ChexSystems said that they had to verify the information I was disputing with the United States Bankruptcy Court. Why was this information not verified before it was entered into my ChexSystems report? 
3. Because of these actions, I can not trust ChexSystems and they should be investigated for entering information without verifying it first. I've been doing my research and apparently there a lot of people with similar issues. 
4. The letter I received from them said that they removed the XXXX XXXX XXXX entry from my report, but I still can't seem to open another account with a different bank? What is the reason for this? 
5. The copy of the ChexSystems report doesn't show any other negative entries, although I'm not sure I'm reading it correctly. All I see is where they say that XXXX XXXX XXXX is being removed, then inquiries of companies looking me up for whatever reason. What else is holding me up on this report? 
6. How can I be notified each time someone has accessed my ChexSystems information? The credit bureaus have this available to all consumers. You should have the same or something similar. 
7. How do I submit that I don't want anyone accessing my ChexSystems report unless I have authorized it? 

I have attached a scanned copy of the letter from ChexSystems. Thank you for your time.
Consumer complaint received 2022-07-08
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. (VA)

The Credit bureaus stated my account was properly investigating but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is ground for removal and they also violated my rights under 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
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have entered a dispute to have this BK removed from my credit file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or  DOB in order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.