davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
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: GOLDMAN SACHS BANK USA (WA)

Hello, I am seeking help for a very frustrating situation with my credit card company. It is an Apple Card managed by Goldman Sachs. 

My XXXX statement total balance shows as {$810.00} On page two of the statement the total amount of charges, returns and refunds is {$760.00} There was a return in the amount of XXXX posted on XX/XX/21. The difference between the balance shown on page 2 and the statement balance is XXXX. That amount was subtracted on page 2 but never reflected in the statement balance or the amount I am expected to pay. It is also not reflected in my current balance. In other words, while the credit is clearly shown in my statement, it was never actually subtracted from the total balance. 

I spent an hour and 10 minutes on a chat with Goldman Sachs customer satisfaction representative who stated that the amount had already been deducted and there was no discrepancy. Clearly it was not but the representative would never acknowledge that. It took an hour and ten minutes.

The first representative with whom I spoke acknowledged that they could see the discrepancy but the supervisor flatly refused to acknowledge it. Either the supervisor is completely incompetent or there is something very shady going on at Goldman Sachs.

So, I am being charged {$49.00} for what should have been a refund. Everyone who has an Apple Card should be checking their balances very carefully.

How can you help me to resolve this?

Thank you very much for any assistance you can provide. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-03-10
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: Elevate Recoveries, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ELEVATE RECO ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CONTRACT CALLERS INC (CA)

This is considered a parked debt from a collection agency named Contract Callers. The only reason I knew this was a collection was because in XXXX of this year I noticed it on my credit report. I was never advised in writing. I was never contacted by the company XXXX of this debt. The debt in question is from XXXX. Contract callers is parking this debt as new collection and has it on my credit report as remaining until XXXX, as it were a new collection. I never received bill from XXXX no was I ever notified I owed money. As far as I was concerned when I move Mobile phone companies I ported my phone number because my debt was paid in full. This has been four years. Now this sits on my credit report as a new collection of which I was never informed.
Consumer complaint received 2021-06-13
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: JPMORGAN CHASE & CO. (KS)

On XX/XX/XXXX, I booked 2 tickets of round trip flights ( ICT-ORD ) with XXXX XXXX via Chase Travel. ( Chase Travel Itinerary Number : XXXX, XXXX Confirmation Code : XXXX ) On XX/XX/XXXX, Chase XXXX emailed me that XXXX had cancelled my flights and offered to cancel my flights so I can rebook through them again. On XX/XX/XXXX, I requested a refund back to my credit card in full because the merchant ( XXXX XXXX ) was not able to provide the service I paid for ( the original flights ). ( Chase CLAIM ID : XXXX ) On XX/XX/XXXX, I received an email from XXXX Customer Care ( Case ID : XXXX ) saying that both tickets ( Ticket Number : XXXX & XXXX ) have been processed for a full refund ( {$400.00} each ) and should be processed within 7-10 days. On XX/XX/XXXX, Chase credit card rejected my charge dispute and rebilled me in full for {$790.00}. Note that this is after the merchant had already agree to issue a refund back to Chase Travel. As of right now ( XX/XX/XXXX ), more than 2 months later from the original transaction, I paid {$790.00} + XXXX ultimate rewards points, and did not receive the service I paid for, and I have not received any refund in the form of either flight credits or back to my credit card anywhere ( nothing on Chase Travel, XXXX, nor my Credit Card ending in XXXX ). Chase is still refusing to issue me any refunds for this dispute even though XXXX had already approved the refunds.
Consumer complaint received 2019-10-07
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: EQUIFAX, INC. (MA)

I and my wife have a collection account ( reported by XXXX XXXX XXXX - XXXX ) in our Equifax Credit report that we have disputed as incorrect. This letter is to establish the facts with the supporting documents and request CFPBs help for the removal of the collection account from our Credit reports. 

We stayed at the XXXX at XXXX XXXX XXXX  at XXXX, MA for around a year until XX/XX/2017. Throughout our stay, there were many maintenance issues and the management did not fix many of them. The reason given was - non-availability of contractors, could not be fixed and they don't want to spend on a unit that they are planning to renovate completely. We repeatedly complained and moved out since it was not bearable. The apartment management agreed for an early release ( 15 days before lease end period ) and the move-out notice clearly states that we are moving out due to maintenance issues. 

We have attached the following documents that prove the above-mentioned facts Move-Out-Notice : Clearly stating the apartment management agreeing to allow us to move our earlier than the lease end period since the maintenance issue can not be fixed e-mail correspondence with apartment management that mentions the maintenance issues and the fact that they were not fixing. 

Move-Out statement : To show that the amount demanded by the apartment management and the collection agency ( XXXX ) is not the same. 

The apartment management sent a demand notice claiming the unresolved maintenance issues as damages and the rent until end of notice period ( Total amount {$1500.00} ). We responded thru our attorney with the above facts for the demand notice sent by the apartment management. However, the apartment management did not respond and transferred our account to collection agency XXXX, who have reported the collection account to Credit bureaus. 

We disputed with Equifax credit bureau and they sided with XXXX and refused to remove the collection account since XXXX informed them that we need to pay. 

The collection agency XXXX did not go the legal route and opted to damage our credit report presumably because of the strong evidence we have against the apartment management. The demand letter from XXXX also increased the amount ( {$2200.00} ).  XXXX did not accept any reasonable resolution in our interaction with them.
Consumer complaint received 2022-12-02
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: SYNCHRONY FINANCIAL (NJ)

On or around XX/XX/ I received an alert from my Financial institution that an attempt was made to change personal information on my account. ( not the account in dispute ). I called the bank and confirmed several unauthorized transactions were made. The next day I received messages from XXXX that orders had been made in my name, all using my Paypal line of credit through Synchrony Bank ( 4 in total ) I was able to resolve all but one of the unauthorized transactions my contacting the XXXX sellers directly and informing them that the purchases were fraudulent and requesting a refund. I was unable the resolve the one unauthorized transaction with the XXXX seller, who would not refund my money, I contacted Synchrony Bank to inform them of this unauthorized transaction, and opened a fraud claim. After about two weeks I received a letter that informing me that my claim had been denied with the reason being that " I authorized, participated in, or benefited from the purchase '', which is completely false. I called Synchrony Bank to inquire about their decision to deny my claim. The person I spoke with said they would submit the claim again and I provided additional informing them that I was the victim of identity theft, and requested to speak with the investigator who would be handling my claim. Two weeks later I received a letter from Synchrony Band informing me that the claim was being denied again for the same reason with an additional reason stating the the item was shipped to my address, which it was not. I never contacted by an investigator as I requested, and the claim was closed before I was given the opportunity to submit a Fraud Investigation Form which I received in the mail days after my claim had already been denied, not giving me the opportunity to provide information related to my claim.
Consumer complaint received 2021-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (VA)

I have received numerous collection attempts since XX/XX/2013, of a medical bill by FBCS , Inc. that doesn't belong to me. When I asked FBCS , Inc. to validate this debt, they go silent for several years and then resend statements demanding payment for the same unvalidated medical bill. I have reached out to the original creditor ( XXXX XXXX ) listed on the statement and they can not validate this medical bill either.
Consumer complaint received 2024-03-06
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. (FL)

I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2021-10-28
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. (TX)

Pursuant to Title 15 Chapter XXXX, XXXX XXXX XXXX has committed individual actions against me beginning in 2018. They also involved a 3rd partly, XXXX XXXX, who also violated Title 15 Chapter XXXX. Both companies have committed Criminal and Civil actions of willful non compliance and negligence. Both have infringed on my name that is protected by copyright laws and my right to privacy. I have sent both organizations Notice of Fault letters along with invoices itemizing each violation under Title 15 Chapter XXXX. Both refuse to uphold the law that relates to their individual actions and both have yet to settle this matter. Moreover, XXXX XXXX XXXX has only removed the account in question from 2 credit reporting agencies. They continue to defame my character and cause injury to me and my family.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My two bank accounts ( XXXXXXXX XXXX  XXXX XXXX ) and my three credit ( XXXX XXXX/Capital One/Capital One -Walmart ). Giving me a VERY HARD TIME WHEN I'D DISPUTE ITEMS. RARELY WAS I REFUNDED. THERE HAS BEEN FRAUDULENT AND/OR UNAUTHORIZED CHARGES ON ALL FIVE OF MY FINANCIAL ACCOUNTS THAT JUST HAVEN'T BEEN INVESTIGATED AS I'D REQUESTED OR THESE CHARGES REAPPEAR AND OR CAUSE MY ACCOUNT TO BE OVERDRAWN AND OR USE MOST OF MY SSI/XXXX XXXXXXXX INCOME AND LEAVES ME UNABLE TO PAY MY MONTHLY BILLS AND TAKE BASIC CARE OF MYSELF. MOST IF NOT ALL OF MY ACCOUNTS ARE SEVERALLY DAMAGED RIGHT NOW! I'M REQUIRED TO CLOSE DEBIT CARDS WHEN THE BANK KNOWS I HAVE BILLS ETC. MY MONEY IS NOT BEING REFUNDED PROPERLY AND IM NOW SEVERALLY IN DEBT AS OF XX/XX/22. I'M REQUESTING ASSISTANCE IN INVESTIGATING THE ACTIVITY ON MY ACCOUNTS, ESPECIALLY SUSPICIOUS ACTIVITY. THANK YOU. CALL ( XXXX ) XXXX
Consumer complaint received 2021-10-28
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: NCB Management Services Inc. (TX)

Pursuant to Title 15 Chapter XXXX XXXX XXXX XXXX has committed individual actions against me beginning in 2018. They also involved a 3rd partly, NCB Management, who also violated Title 15 Chapter XXXX. Both companies have committed Criminal and Civil actions of willful non compliance and negligence. Both have infringed on my name that is protected by copyright laws and my right to privacy. I have sent both organizations Notice of Fault letters along with invoices itemizing each violation under Title 15 Chapter XXXX. Both refuse to uphold the law that relates to their individual actions and both have yet to settle this matter. Moreover, XXXX XXXX XXXX has only removed the account in question from 2 credit reporting agencies. They continue to defame my character and cause injury to me and my family.
Consumer complaint received 2022-02-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX continued its mischievous billing practices on XX/XX/XXXX, {$1300.00}. Referencing attachment, on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX naughtily inflated its billings XXXX XXXX XXXX XXXX and XXXX XXXX respectively. Perpetuating its fraud, stating : WE HAVE FILED YOUR INSURANCE, YOU ARE NOW RESPONSIBLE FOR THE BALANCE OF THIS ACCOUNT and intended harm Quest has yet to bill XXXX  XXXX, {$1300.00}.
Consumer complaint received 2021-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Neon Newco Corporation (FL)

I have tried on multiple occasions to close my XXXX XXXX XXXX account. I was told that I would receive a refund check within 10 days over 2 weeks ago. I have not gotten a refund yet and so I called them back today. I have spent almost 2 hours trying to get my money refunded back to be and the account closed. They are telling me that I need to sign a letter of indemnification with them or they can't give me my money back. I am NOT indemnifying a company that has already lied to me once. And why should I have to indemnify a company to have my account closed and my balance refunded? If this isn't criminal behavior, it should be!
Consumer complaint received 2021-03-10
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. (CA)

Equifax is erroneously reporting a Bankruptcy on my credit report. I have requested that remove it, but it still on my credit report. 

Enclosed are documents that the XXXX Bankruptcy Court and the reporting agency that will verify my assertion.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX are associated with information I am disputing as fraudulent. 
Will you please remove from my Experian report. 
Address XXXX XXXX Address XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX : Old and incorrect addresses XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer incorrect - XXXX XXXX XXXX XXXX XXXX  Correct Employer - Employed by XXXX XXXX XXXX, XXXX : XXXX and incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Correct Employer - XXXX by XXXX XXXX XXXX Trans Union : Old and XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX Incorrect Employer - XXXX XXXX, XXXX XXXX XXXX Correct Employer - Employed by XXXX XXXX Consulting Personal Statement - Old from XXXX  needs to be removed FOR THE PAST SEVERAL MONTHS I TRIED TO REFINANCE MY PROPERTY ON XXXX XXXX XXXX AND I HAVE NOT BEE
Consumer complaint received 2022-12-02
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. (OH)

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


XXXX XXXX XXXX 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 602 A. States I have 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 2021-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company showed up on my credit reports and I have no business with them. I hired a company for credit repair services by the name of XXXX and credit repair to service my account. They stated they could not discuss my account with them without my signed signature. I refuse to sign anything and give it to this company I have no business with, other than the fact they are on my credit reports. A debt validation letter was sent to them via certified mail, they failed to provide the necessary information and instead of sending the information that was asked for, they sent a letter that makes absolutely no sense and does not answer all the questions on the original request.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION (TX)

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX On or about, XX/XX/XXXX I received a XXXX notice from the IRS. The notice stated that the IRS received a Form XXXX from XXXX XXXX on XX/XX/XXXX. The Form XXXX reported a cancellation of debt in the amount of {$8400.00}. This caused my XXXX tax return, which was filed on or about XX/XX/XXXX, to be flagged for review. The IRS is now stating that I owe {$4400.00} for not reporting the income on the XXXX. 

The issue that I am having is that I filed for Chapter XXXX Bankruptcy and the debt owed to XXXX XXXX was discharged in XXXX. Apparently, XXXX XXXX depends on a third party to receive bankruptcy notifications. They never received notification of my discharge and therefore, was showing my debt still being owed. This was no fault of mine. 

After eight years, XXXX XXXX decides to file the XXXX. Upon receipt of the IRS notification, I contacted XXXX XXXX. I advised them that the debt had been discharged. I spoke with a bankruptcy representative named XXXX. She pulled a copy of the discharge from PACER and promised to re-open my account in order to flag it as a bankruptcy discharge. She also promised to reach out to the finance team to have the XXXX situation corrected. 

I waited two weeks and called back to follow up. At that time, I spoke with XXXX. XXXX was very helpful and noted that XXXX did not follow through on my request. Upon permission from her supervisor ( XXXX ), XXXX reopened my account while I was on the line. She added a discharge to it and submitted the request to the finance team. After a week, I called back and spoke with another representative who was very abrasive ( I did not get her name due to the tone of the conversation ). She told me that I had to contact my tax professional because they had filed the form. She stated that the supervisor ( XXXX ) told her that there was nothing further that could be done. 

This was contrary to all that I had been told. After being told that she wasn't going to argue with me, I informed this representative that I was going to hang up and call back. When I did, all of my information appeared to have been deleted from the automated system. 

I got another pleasant representative, I didn't get her name either, but she transferred me to XXXX. XXXX advised that the finance team was being unresponsive and she couldn't give out their contact information. I went on to explain to her that this was the fault of XXXX XXXX for not doing their due diligence in managing their bankruptcy accounts. 

I now owe the IRS and they have confiscated my tax refund. This by no means was my fault at all. Because XXXX XXXX erroneously filed a XXXX eight years after the discharge, they should be held liable in fixing this. They are breaking Federal Bankruptcy laws by pursuing a debt after it has been discharged. They have a team of professionals that have the ability to expeditiously correct this issue.
Consumer complaint received 2022-02-05
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: Shellpoint Partners, LLC (SC)

see attached documents. Late payment on my XXXX credit report. I sent a complaint to the CFPB and receive a reply from the company involved Shellpoint. This investigation they send was incomplete and superficial. I have attach their first response to my inquiry and my response to shell point.