davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NC)

As of XX/XX/XXXX Marcus by Goldman Sachs took over XXXX XXXX XXXX XXXX credit card accounts including mine. In the last few months of XXXX I had a credit of {$13.00} which the Marcus representative confirmed. During the transition period before I knew Marcus was taking over I charged {$100.00}. Several representative told me their policy was to get the customer 's banking information to issue a credit, but I refused since I was new to the company and Goldman Sachs ' reputation from the XXXX 's is bad. They said they would not reduce my payment amount, but agreed that they would issue a check. I spoke with representatives in XXXX and XXXX who said the request for the credit check was being processed. I mailed payment in full to their XXXX processing center by certified mail in XXXX, the post office delivered it to them, and they lost it. I finally paid by phone in XX/XX/XXXX to end all issues. They never sent the check and the representative I spoke with today said the check was canceled with no notice to me because their was a balance on the card ( but they never applied the credit as promised ). I am concerned that any account that transferred over to them from XXXX XXXX XXXXXXXX XXXX that had a credit was not given the appropriate benefit and customers including me have been deprived of credits so they could benefit at our expense. Also, the card was never hacked when it was with XXXX XXXX, but has been hacked three times in the lack few months since they took over.
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

RESURGENT CAPITAL SERVICES, IS ATTEMPTING TO COLLECT ON A DEBT THAT THEY CLAIM IS MINE, BUT IT IS NOT REFERENCE # XXXX. ITS BEEN PASSED AROUND TO THEM FROM ANOTHER COLLECTOR, LVNV FUNDING WHICH IS STILL NOT THE SUPPOSED ORIGINAL CREDITOR. SUPPOSEDLY ORIGINALLY BELONGING TO XXXX  XXXX. I AM DEMANDING A VALIDATION OF THIS DEBT THAT THEY CLAIM I OWE, IN WRITING AND IN A TIMELY MANNER ACCORDING TO THE FAIR CREDIT REPORTING ACT. IM ON SSDI, SO MY INCOME IS FEDERALLY PROTECTED FROM SCAMMERS LIKE THIS. I DONT EVEN KNOW WHEN THAT WAS, BUT IM SURE THEYLL TRY REAGING THAT FRAUDUALANT ACCOUNT, I HAVENT APPLIED FOR ANYTHING IN YEARS.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (NC)

Delete hard inquiries : XXXX ; inquiry date XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX XXXX XXXX XXXX date XXXXXXXX XXXX XXXX XXXXXXXX ; inquiry date XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; inquiry date XXXX XXXX XXXX  ; inquiry XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OR)

I am very angry with the credit bureaus. I have sent them many letters and they do not give me an answer. I feel like they don't take my case seriously.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 


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 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TN)

On XX/XX/2021 I filed a dispute with Chime in the amount of {$600.00}. Due to not receiving my shipment I ordered. Over the course of three months I called Chime weekly for updates. They gave me the ran around. I was told I will have my money or a decision by XX/XX/XXXX today is XX/XX/XXXX I havent received anything. No one is given me any info and its really nerve wrecking. I own a business and have bills. I just want my money back put money for pain and suffering I had to experience. Chime is very unprofessional
Consumer complaint received 2018-12-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (MI)

I want this company to Cease any communication and NEVER contact me again. I'm XXXX with other health issues so i don't need any of their UnNecssary XXXX  or XXXX  i've endured on my health including having an XXXX XXXX. It should be against the Law for any debt collection company or any company to call use scare tactics, threats, and abuse a XXXX person over the phone for an account from 20 years ago then when you tell them you filed Bankruptcy they become vulgar and nake threats the way these people talk the way they did to me and i had every right to defend myself and i was provoked in saying the things i did. On XXXX i received a call from XXXX XXXX. The first person i spoke to said he was calling about a credit card debt for XXXX XXXX who isn't in business anymore. I told him i filed Bankruptcy a year ago he then told me i was Lying and i don't pay my bills and i didn't include them in my Bankruptcy. I told him to give me their information yet he refused. I then asked for a supervisor who was even worse and he wouldn't give ne his name or their address and he in fact told me i was Lying about the Bankruptcy and i told him i never even heard of their company then he became very Vulgar telling me i'm Lying about getting their letters and i know i got them so i need to tell the Truth. Then this so called supervisor told me i don't pay my bills and i informed him the debt he is calling about is way past the Statue Of Limitations from 20 years ago and i need to pay my bills. He wouldn't give me his name or their address then he continued to make vulgar comments telling me i'm Lying and i know i got their notices he even claimed i never included them in my Bankruptcy and i informed him their company have never been on my credit reports he then tells me if you paid your bills you wouldn't have filed Bankruptcy. The third XXXX i spoke to was very rude as well and he refused to give me his name or their address. He told me when i get home call and give me my Bankruptcy file number and told me if i filed i would know the case number and i told him if they were a Legitimate debt collection agency they would know they can't just talk to people any kind of way or make threats to you or about your credit report and any company like XXXX XXXX need to be shut down. I also would like to know how i can take Legal Action against them.
Consumer complaint received 2022-06-14
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 XXXX Account # 's XXXX ( XXXX XXXX XXXXXXXX ) ... XXXX ( XXXX XXXX XXXX  ) ... XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX OF 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 2022-06-14
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: Experian Information Solutions Inc. (FL)

I am a victim of ID Fraud. I have never opened nor authorize anyone to open an account on my behalf regarding XXXX XXXX. I have never had an account with XXXX as well who is the original creditor. Please delete this from my credit asap.
Consumer complaint received 2021-11-24
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Four Transactions XX/XX/XXXX 1. {$100.00} 2. {$100.00} 3. {$120.00} 4. {$81.00} My XXXX account was compromised and purchases were made. I have a recorded phone call made XX/XX/XXXX proving they were found fraudulent by the XXXX team. 

XX/XX/XXXX 5 charges 1. {$120.00} 2. {$120.00} 3. {$120.00} 4. {$120.00} 5. {$120.00} These charges were made at a XXXX gas station in a neighboring county. A police report was filed. Chime also denied this claim within 12 hours of filing a dispute.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX of XXXX XXXX  has been reporting incorrect information to my credit report since his company acquired my loan back in XXXX. I have spoken with him and other employees within his company and nothing has been correct. Back in XXXX XXXX has requested a garnishment of my wages. The court case was in XXXXXXXX XXXX XXXX and one check came the day after the court date and he refused to go to the court to pickup the funds. So they were sent back to my employer and then back to me. Just recently he took me back to court again to garnish my wages for the same amount that he refused to pickup after the clerk of court reached out to him to make him aware that the payment came in right after the court hearing and was dated within the garnishment dates.
Consumer complaint received 2022-01-08
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-06-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I have numerous debts from this collection agency on my credit reports but I am not aware of them only that I went to hospital but I'm not sure of the totals that this company is saying I owe I never got a chance to validate the debt. And I'm experiencing a hardship right now due to losing my job related to the coronavirus. The company name : WAKEFIELD AND ASSOCIATES Last reported XX/XX/2022 {$1000.00} Open balance XXXX XXXX XXXX Original creditor WAKEFIELD AND ASSOCIATES Last reported XX/XX/2022 {$1100.00} Open balance XXXX XXXX XXXX Original creditor & also these Last reported XX/XX/2022 {$1000.00}, Last reported XX/XX/2022 {$710.00} Last reported XX/XX/2022 {$950.00} Last reported XX/XX/2022 {$650.00} Open balance XXXX XXXX XXXX Original creditor A total of 6 different collections please help. 
Thank you in advance
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-03-22
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: USCB Corporation (MD)

I have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX I have so many inquiries and accounts that I know nothing about like XXXX and XXXX. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (TX)

There are two delinquent accounts currently appearing each month on my credit report. They are retail credit cards with XXXX 's and XXXX. Both of these accounts belong to my ex-husband. We were divorced on XX/XX/18. These accounts are in his name. I am not an authorized user on either of these accounts. 

In addition, my credit report shows my XXXX XXXX XXXX, XXXX, Texas address as a new address. It is not new. I have lived there for 12 years. Also, it shows an address on XXXX as a new address. The XXXX address is my ex-husband 's rental property - not mine.
Consumer complaint received 2019-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

I received this letter on XX/XX/2019, I never went to XXXX Hosp XXXX XXXX, I always have XXXX, I have Medical with XXXX so I don't pay anything for medical or hospitals. I explain to the collector, this is the first time I received any communication from this agency, never received any communication with XXXX  Hosp XXXX XXXX, I have all my insurance and medical that I could provide, But I never gone to this hopital. My contact number is XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (CA)

My complaint is general. It is about the service called XXXX. I have called multiple banks and been allowed to block the service at some, but not others. Banks appear to be using XXXX as a way to avoid liability for fraudulent charges showing up on checking and other bank accounts. It is used by those committing fraud to quickly transfer funds out of a bank account. The banks then say that the transfer was authorized and that they are not liable due to the nature of the agreement with XXXX. 

I am complaining that XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and others are using XXXX as a means to facilitate fraud, and as a means to avoid their legal obligations related to protecting customers from fraud. They furthermore deny consumers ( such as myself ) the agency to prevent such transactions by blocking the service. The service, while convenient, is not without risks and liabilities and not allowing consumers to opt out of such a risky proposition is criminal. 

I'm requesting that XXXX be held accountable to the same banking laws that apply to other banks and money transfer services, and that Banks be required to allow consumers ( myself included ) to opt out of the service permanently, not just temporarily based on the lack of having signed up. 

To be clear, I am not able to opt out of the service completely at any of the above listed banks. I am not signed up for the service, but I have no ability to prevent funds from being used on the service without closing my account and going elsewhere. 

Plainly I can block one bank from another, but I can not block XXXX from any of my bank accounts due to this fraudulent scheme.
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NM)

I was XXXX with my XXXX child in XXXX. She was born in XX/XX/XXXX. I was on XXXX then because I was not working. I had been on XXXX since my son was born the year before that. I was a patient at XXXX in XXXX. I was always seen for appointments here, and never was questioned about my Medical coverage because of what they already had on file. Never did I have to pay a co-pay of any sort. Toward the end of the XXXX in XXXX I had to do the renewal paperwork for the upcoming year. I turned in everything, and was always told I was missing some sort of paper. I would get that in and something else would be missing. I was worried that coming up the birth would be affected by this and I knew it would be expensive. So I did everything I could and complied with whatever was required of me. I even tried to hand carry in the documents in the office in XXXX but they told me I could not do that, and I would have to mail them. I just didnt want them to get lost. So I would mail them from outside their office. They had informed me that they would back pay the payments 3 months from the submission of my application while it awaited approval in XXXX. Come the birth, we stayed days and they nurse told us XXXX had only covered 3 days, therefore I was covered again. I recently applied for a mortgage loan and was ready to close in the next few weeks. A new collection from XXXX had popped up and dropped my score significantly. I immediately called XXXX and asked what I could do to get this removed because of the situation that I was in. I had told the lady that I thought this whole Insurance thing was behind me. I had already spoken with XXXX and XXXX about paying the past bills because they would retro pay the time I was still getting in documents that they kept losing. XXXX had me call XXXX to ask if I could pay them and have them remove the account from my credit report. The Manager there told me she was unable to do that because once it leaves their office it is out of their hands. I told XXXX this and they said it was false, they will only let the Credit Bureau know my account is paid off, but will not delete. Only the Hospital can do that. So I went back and forth getting nowhere. All I wanted to do was pay off the entire debt and get it cleared. I had told them I was willing to pay it in full right there but nobody would help me get it removed from the report. This entire thing was a mix-up and is now so old, I have no documentation for it.